Home > Neighbors Bank > Performance and Condition Ratios
Neighbors Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1572% | 1,748 |
| Cost of funding earning assets | 2.2592% | 583 |
| Net interest margin | 2.8980% | 3,494 |
| Noninterest income to average assets | 24.5400% | 66 |
| Noninterest expense to average assets | 33.7665% | 55 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | -6.6636% | 4,599 |
| Return on assets (ROA) | -6.6636% | 4,597 |
| Pretax return on assets | -6.6636% | 4,596 |
| Return on Equity (ROE) | -45.0100% | 4,569 |
| Retained earnings to average equity (ytd only) | -45.0131% | 4,554 |
| Net charge-offs to loans | 0.0111% | 2,233 |
| Credit loss provision to net charge-offs | 550.0000% | 630 |
| Earnings coverage of net charge-offs (x) | -1,116.2500% | 4,609 |
| Efficiency ratio | 124.4363% | 72 |
| Assets per employee ($millions) | 0.4248% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4747% | 4,353 |
| Loan loss allowance to noncurrent loans | 84.3882% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 697 |
| Noncurrent loans to loans | 0.5625% | 1,391 |
| Net loans and leases to total assets | 61.3200% | 2,728 |
| Net loans and leases to deposits | 75.2188% | 2,527 |
| Net loans and leases to core deposits | 75.6353% | 3,001 |
| Total domestic deposits to total assets | 81.5200% | 3,222 |
| Equity capital to assets | 14.3340% | 629 |
| Core capital (leverage) ratio | 16.5191% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $67,336,000 | 4,143 |
| Average earning assets | $60,420,600 | 4,133 |
| Average equity | $9,968,200 | 3,723 |
| Average total loans | $35,913,400 | 4,054 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9486% | 1,951 |
| Cost of funding earning assets | 2.1751% | 521 |
| Net interest margin | 2.7735% | 3,771 |
| Noninterest income to average assets | 24.0900% | 66 |
| Noninterest expense to average assets | 32.5371% | 55 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -5.9476% | 4,621 |
| Return on assets (ROA) | -5.9476% | 4,620 |
| Pretax return on assets | -5.9476% | 4,620 |
| Return on Equity (ROE) | -39.8500% | 4,596 |
| Retained earnings to average equity (ytd only) | -39.8545% | 4,583 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 122.3684% | 71 |
| Assets per employee ($millions) | 0.4110% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4398% | 4,384 |
| Loan loss allowance to noncurrent loans | 263.7681% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 1,107 |
| Noncurrent loans to loans | 0.1667% | 2,704 |
| Net loans and leases to total assets | 62.2600% | 2,625 |
| Net loans and leases to deposits | 76.0774% | 2,403 |
| Net loans and leases to core deposits | 76.5111% | 2,830 |
| Total domestic deposits to total assets | 81.8400% | 3,242 |
| Equity capital to assets | 14.5983% | 574 |
| Core capital (leverage) ratio | 17.2834% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $67,072,500 | 4,155 |
| Average earning assets | $60,379,500 | 4,155 |
| Average equity | $10,009,500 | 3,722 |
| Average total loans | $34,357,750 | 4,095 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7673% | 2,068 |
| Cost of funding earning assets | 2.0149% | 480 |
| Net interest margin | 2.7524% | 3,899 |
| Noninterest income to average assets | 23.1400% | 67 |
| Noninterest expense to average assets | 31.8449% | 54 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -6.2194% | 4,650 |
| Return on assets (ROA) | -6.2194% | 4,649 |
| Pretax return on assets | -6.2194% | 4,649 |
| Return on Equity (ROE) | -41.3800% | 4,628 |
| Retained earnings to average equity (ytd only) | -41.3800% | 4,610 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 124.2702% | 66 |
| Assets per employee ($millions) | 0.4313% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5109% | 4,370 |
| Loan loss allowance to noncurrent loans | 40.1766% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 784 |
| Noncurrent loans to loans | 1.2718% | 559 |
| Net loans and leases to total assets | 52.6700% | 3,358 |
| Net loans and leases to deposits | 64.4280% | 3,169 |
| Net loans and leases to core deposits | 64.7885% | 3,405 |
| Total domestic deposits to total assets | 81.7400% | 3,282 |
| Equity capital to assets | 14.5432% | 570 |
| Core capital (leverage) ratio | 16.8844% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $67,370,333 | 4,172 |
| Average earning assets | $60,747,333 | 4,168 |
| Average equity | $10,125,667 | 3,729 |
| Average total loans | $32,015,667 | 4,138 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5533% | 2,184 |
| Cost of funding earning assets | 1.7923% | 458 |
| Net interest margin | 2.7610% | 4,001 |
| Noninterest income to average assets | 23.0900% | 71 |
| Noninterest expense to average assets | 30.9504% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -5.3700% | 4,670 |
| Return on assets (ROA) | -5.3700% | 4,668 |
| Pretax return on assets | -5.3700% | 4,667 |
| Return on Equity (ROE) | -35.1600% | 4,646 |
| Retained earnings to average equity (ytd only) | -35.1610% | 4,649 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 120.9928% | 70 |
| Assets per employee ($millions) | 0.4906% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5644% | 4,392 |
| Loan loss allowance to noncurrent loans | 40.1766% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 0.6840% | 721 |
| Noncurrent loans to loans | 1.4049% | 473 |
| Net loans and leases to total assets | 48.4100% | 3,601 |
| Net loans and leases to deposits | 60.1144% | 3,329 |
| Net loans and leases to core deposits | 60.4613% | 3,519 |
| Total domestic deposits to total assets | 80.5300% | 3,701 |
| Equity capital to assets | 15.8241% | 422 |
| Core capital (leverage) ratio | 18.3800% | 326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $67,411,000 | 4,227 |
| Average earning assets | $60,703,000 | 4,224 |
| Average equity | $10,295,500 | 3,748 |
| Average total loans | $30,213,500 | 4,219 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1683% | 3,874 |
| Cost of funding earning assets | 0.8603% | 307 |
| Net interest margin | 2.3080% | 4,426 |
| Noninterest income to average assets | 21.3300% | 74 |
| Noninterest expense to average assets | 27.1053% | 66 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | -3.8149% | 4,705 |
| Return on assets (ROA) | -3.8149% | 4,704 |
| Pretax return on assets | -3.8149% | 4,701 |
| Return on Equity (ROE) | -24.3200% | 4,694 |
| Retained earnings to average equity (ytd only) | -24.3190% | 4,700 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 116.2216% | 71 |
| Assets per employee ($millions) | 0.5669% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6458% | 4,295 |
| Loan loss allowance to noncurrent loans | 40.1766% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 747 |
| Noncurrent loans to loans | 1.6074% | 402 |
| Net loans and leases to total assets | 40.8200% | 4,037 |
| Net loans and leases to deposits | 49.6032% | 3,914 |
| Net loans and leases to core deposits | 49.8735% | 3,980 |
| Total domestic deposits to total assets | 82.3000% | 3,571 |
| Equity capital to assets | 14.7404% | 500 |
| Core capital (leverage) ratio | 17.2793% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $69,359,200 | 4,238 |
| Average earning assets | $59,747,600 | 4,266 |
| Average equity | $10,880,400 | 3,771 |
| Average total loans | $29,276,200 | 4,251 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8418% | 4,141 |
| Cost of funding earning assets | 0.6520% | 333 |
| Net interest margin | 2.1898% | 4,468 |
| Noninterest income to average assets | 23.0300% | 72 |
| Noninterest expense to average assets | 27.6454% | 59 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | -2.7893% | 4,741 |
| Return on assets (ROA) | -2.7893% | 4,738 |
| Pretax return on assets | -2.7893% | 4,738 |
| Return on Equity (ROE) | -17.5200% | 4,726 |
| Retained earnings to average equity (ytd only) | -17.5201% | 4,723 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 111.0333% | 91 |
| Assets per employee ($millions) | 0.4657% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6315% | 4,350 |
| Loan loss allowance to noncurrent loans | 105.2023% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 1,815 |
| Noncurrent loans to loans | 0.6003% | 1,346 |
| Net loans and leases to total assets | 46.9400% | 3,710 |
| Net loans and leases to deposits | 59.7796% | 3,217 |
| Net loans and leases to core deposits | 60.1639% | 3,372 |
| Total domestic deposits to total assets | 78.5300% | 4,219 |
| Equity capital to assets | 18.4004% | 257 |
| Core capital (leverage) ratio | 21.3943% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.1392% | 142 |
| Memoranda: | ||
| Average total assets | $69,550,500 | 4,266 |
| Average earning assets | $59,304,250 | 4,303 |
| Average equity | $11,072,750 | 3,798 |
| Average total loans | $29,549,500 | 4,271 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4744% | 4,399 |
| Cost of funding earning assets | 0.5338% | 431 |
| Net interest margin | 1.9406% | 4,581 |
| Noninterest income to average assets | 21.8124% | 34 |
| Noninterest expense to average assets | 26.8096% | 31 |
| Loan and lease loss provision to assets | 0.0608% | 1,505 |
| Net operating income to assets | -3.4310% | 4,751 |
| Return on assets (ROA) | -3.4310% | 4,749 |
| Pretax return on assets | -3.4310% | 4,745 |
| Return on Equity (ROE) | -22.5367% | 4,751 |
| Retained earnings to average equity (ytd only) | -22.5367% | 4,732 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.3783% | 98 |
| Assets per employee ($millions) | 0.4947% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5871% | 4,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 46.4875% | 3,681 |
| Net loans and leases to deposits | 58.7606% | 3,156 |
| Net loans and leases to core deposits | 59.1032% | 3,341 |
| Total domestic deposits to total assets | 79.1133% | 4,291 |
| Equity capital to assets | 18.0145% | 226 |
| Core capital (leverage) ratio | 19.6062% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.0409% | 69 |
| Memoranda: | ||
| Average total assets | $72,399,333 | 4,291 |
| Average earning assets | $60,701,333 | 4,344 |
| Average equity | $11,022,000 | 3,888 |
| Average total loans | $29,792,667 | 4,318 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2278% | 4,514 |
| Cost of funding earning assets | 0.5342% | 407 |
| Net interest margin | 1.6937% | 4,647 |
| Noninterest income to average assets | 20.5212% | 35 |
| Noninterest expense to average assets | 27.2168% | 29 |
| Loan and lease loss provision to assets | 0.1166% | 716 |
| Net operating income to assets | -5.4338% | 4,786 |
| Return on assets (ROA) | -5.4338% | 4,786 |
| Pretax return on assets | -5.4338% | 4,783 |
| Return on Equity (ROE) | -38.8184% | 4,788 |
| Retained earnings to average equity (ytd only) | -38.8184% | 4,764 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.2798% | 75 |
| Assets per employee ($millions) | 0.5000% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6960% | 4,389 |
| Loan loss allowance to noncurrent loans | 102.2472% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 2,193 |
| Noncurrent loans to loans | 0.6807% | 1,395 |
| Net loans and leases to total assets | 35.0901% | 4,258 |
| Net loans and leases to deposits | 41.5955% | 4,176 |
| Net loans and leases to core deposits | 41.7991% | 4,248 |
| Total domestic deposits to total assets | 84.3604% | 3,687 |
| Equity capital to assets | 13.0476% | 679 |
| Core capital (leverage) ratio | 14.2445% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5510% | 820 |
| Memoranda: | ||
| Average total assets | $75,453,500 | 4,281 |
| Average earning assets | $61,405,000 | 4,354 |
| Average equity | $10,562,000 | 4,000 |
| Average total loans | $29,189,500 | 4,349 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9605% | 4,684 |
| Cost of funding earning assets | 0.5719% | 624 |
| Net interest margin | 1.3886% | 4,740 |
| Noninterest income to average assets | 26.5174% | 32 |
| Noninterest expense to average assets | 25.4004% | 30 |
| Loan and lease loss provision to assets | 0.0385% | 2,276 |
| Net operating income to assets | 2.2763% | 211 |
| Return on assets (ROA) | 2.2763% | 221 |
| Pretax return on assets | 2.2725% | 358 |
| Return on Equity (ROE) | 16.7018% | 642 |
| Retained earnings to average equity (ytd only) | 16.7018% | 139 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6605% | 274 |
| Assets per employee ($millions) | 0.4690% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4964% | 4,630 |
| Loan loss allowance to noncurrent loans | 89.8876% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 2,401 |
| Noncurrent loans to loans | 0.5523% | 1,741 |
| Net loans and leases to total assets | 41.6999% | 3,992 |
| Net loans and leases to deposits | 50.9330% | 3,810 |
| Net loans and leases to core deposits | 51.1801% | 3,953 |
| Total domestic deposits to total assets | 81.8721% | 3,989 |
| Equity capital to assets | 14.9124% | 503 |
| Core capital (leverage) ratio | 15.5497% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0032% | 1,262 |
| Memoranda: | ||
| Average total assets | $77,888,400 | 4,246 |
| Average earning assets | $66,972,800 | 4,300 |
| Average equity | $10,615,600 | 4,072 |
| Average total loans | $31,008,200 | 4,362 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8800% | 4,785 |
| Cost of funding earning assets | 0.5842% | 687 |
| Net interest margin | 1.2958% | 4,831 |
| Noninterest income to average assets | 25.4772% | 33 |
| Noninterest expense to average assets | 24.9960% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6655% | 890 |
| Return on assets (ROA) | 1.6655% | 933 |
| Pretax return on assets | 1.6092% | 1,671 |
| Return on Equity (ROE) | 12.5098% | 1,861 |
| Retained earnings to average equity (ytd only) | 12.5098% | 721 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9516% | 231 |
| Assets per employee ($millions) | 0.4388% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3526% | 4,791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 48.9606% | 3,532 |
| Net loans and leases to deposits | 58.8348% | 3,337 |
| Net loans and leases to core deposits | 59.1227% | 3,537 |
| Total domestic deposits to total assets | 83.2170% | 3,650 |
| Equity capital to assets | 14.3284% | 665 |
| Core capital (leverage) ratio | 14.3484% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3574% | 1,844 |
| Memoranda: | ||
| Average total assets | $78,133,250 | 4,296 |
| Average earning assets | $68,013,750 | 4,344 |
| Average equity | $10,402,250 | 4,145 |
| Average total loans | $30,702,500 | 4,423 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7884% | 4,837 |
| Cost of funding earning assets | 0.6000% | 747 |
| Net interest margin | 1.1885% | 4,881 |
| Noninterest income to average assets | 23.3262% | 36 |
| Noninterest expense to average assets | 22.4167% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0489% | 450 |
| Return on assets (ROA) | 2.0489% | 473 |
| Pretax return on assets | 1.9554% | 908 |
| Return on Equity (ROE) | 15.7695% | 1,004 |
| Retained earnings to average equity (ytd only) | 15.7695% | 353 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9768% | 294 |
| Assets per employee ($millions) | 0.4476% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4889% | 4,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 34.1689% | 4,534 |
| Net loans and leases to deposits | 40.6467% | 4,505 |
| Net loans and leases to core deposits | 40.8349% | 4,561 |
| Total domestic deposits to total assets | 84.0630% | 3,419 |
| Equity capital to assets | 13.6797% | 788 |
| Core capital (leverage) ratio | 13.6970% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7028% | 1,420 |
| Memoranda: | ||
| Average total assets | $79,164,333 | 4,304 |
| Average earning assets | $69,670,333 | 4,344 |
| Average equity | $10,285,667 | 4,169 |
| Average total loans | $28,646,667 | 4,493 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7344% | 4,879 |
| Cost of funding earning assets | 0.6518% | 685 |
| Net interest margin | 1.0826% | 4,923 |
| Noninterest income to average assets | 21.8422% | 37 |
| Noninterest expense to average assets | 19.4981% | 37 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.1189% | 138 |
| Return on assets (ROA) | 3.1189% | 151 |
| Pretax return on assets | 3.2988% | 172 |
| Return on Equity (ROE) | 24.6348% | 273 |
| Retained earnings to average equity (ytd only) | 24.6348% | 146 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5295% | 530 |
| Assets per employee ($millions) | 0.5894% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4181% | 4,816 |
| Loan loss allowance to noncurrent loans | 764.7059% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 4,220 |
| Noncurrent loans to loans | 0.0547% | 4,015 |
| Net loans and leases to total assets | 38.9161% | 4,386 |
| Net loans and leases to deposits | 45.6555% | 4,369 |
| Net loans and leases to core deposits | 45.8583% | 4,446 |
| Total domestic deposits to total assets | 85.2387% | 3,016 |
| Equity capital to assets | 12.9503% | 924 |
| Core capital (leverage) ratio | 13.2243% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5522% | 1,415 |
| Memoranda: | ||
| Average total assets | $80,028,500 | 4,307 |
| Average earning assets | $70,572,500 | 4,352 |
| Average equity | $10,132,000 | 4,198 |
| Average total loans | $29,675,500 | 4,499 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2284% | 4,891 |
| Cost of funding earning assets | 0.9625% | 687 |
| Net interest margin | 1.2659% | 4,939 |
| Noninterest income to average assets | 20.0333% | 42 |
| Noninterest expense to average assets | 15.0935% | 49 |
| Loan and lease loss provision to assets | 0.0315% | 4,004 |
| Net operating income to assets | 5.8395% | 38 |
| Return on assets (ROA) | 5.8395% | 36 |
| Pretax return on assets | 6.0304% | 44 |
| Return on Equity (ROE) | 49.3270% | 19 |
| Retained earnings to average equity (ytd only) | 49.3270% | 8 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3456% | 1,766 |
| Assets per employee ($millions) | 0.8473% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4601% | 4,818 |
| Loan loss allowance to noncurrent loans | 764.7059% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 4,291 |
| Noncurrent loans to loans | 0.0602% | 4,054 |
| Net loans and leases to total assets | 34.9443% | 4,616 |
| Net loans and leases to deposits | 40.6677% | 4,644 |
| Net loans and leases to core deposits | 40.8449% | 4,680 |
| Total domestic deposits to total assets | 85.9264% | 2,396 |
| Equity capital to assets | 12.3741% | 1,378 |
| Core capital (leverage) ratio | 12.3972% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6721% | 951 |
| Memoranda: | ||
| Average total assets | $60,244,600 | 4,513 |
| Average earning assets | $53,401,200 | 4,536 |
| Average equity | $7,132,000 | 4,511 |
| Average total loans | $27,071,800 | 4,577 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2606% | 4,938 |
| Cost of funding earning assets | 0.9340% | 953 |
| Net interest margin | 1.3266% | 4,981 |
| Noninterest income to average assets | 20.5952% | 41 |
| Noninterest expense to average assets | 15.1081% | 47 |
| Loan and lease loss provision to assets | 0.0453% | 3,790 |
| Net operating income to assets | 6.5067% | 33 |
| Return on assets (ROA) | 6.5067% | 32 |
| Pretax return on assets | 6.6251% | 38 |
| Return on Equity (ROE) | 55.8845% | 17 |
| Retained earnings to average equity (ytd only) | 55.8845% | 10 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3699% | 1,982 |
| Assets per employee ($millions) | 1.0196% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3340% | 4,919 |
| Loan loss allowance to noncurrent loans | 722.2222% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 4,358 |
| Noncurrent loans to loans | 0.0462% | 4,196 |
| Net loans and leases to total assets | 49.4141% | 4,124 |
| Net loans and leases to deposits | 56.9407% | 4,215 |
| Net loans and leases to core deposits | 57.1926% | 4,331 |
| Total domestic deposits to total assets | 86.7816% | 1,741 |
| Equity capital to assets | 11.5982% | 1,938 |
| Core capital (leverage) ratio | 11.7941% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4179% | 736 |
| Memoranda: | ||
| Average total assets | $55,183,000 | 4,604 |
| Average earning assets | $49,248,250 | 4,621 |
| Average equity | $6,425,000 | 4,615 |
| Average total loans | $26,775,500 | 4,608 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4800% | 4,965 |
| Cost of funding earning assets | 0.6751% | 2,528 |
| Net interest margin | 1.8049% | 4,983 |
| Noninterest income to average assets | 19.2800% | 41 |
| Noninterest expense to average assets | 16.1623% | 43 |
| Loan and lease loss provision to assets | 0.0802% | 3,288 |
| Net operating income to assets | 4.6365% | 39 |
| Return on assets (ROA) | 4.6365% | 38 |
| Pretax return on assets | 4.6618% | 49 |
| Return on Equity (ROE) | 39.7373% | 33 |
| Retained earnings to average equity (ytd only) | 39.7373% | 15 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3158% | 1,123 |
| Assets per employee ($millions) | 1.0295% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4502% | 4,875 |
| Loan loss allowance to noncurrent loans | 684.2105% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 4,414 |
| Noncurrent loans to loans | 0.0658% | 4,211 |
| Net loans and leases to total assets | 41.0602% | 4,564 |
| Net loans and leases to deposits | 46.7786% | 4,627 |
| Net loans and leases to core deposits | 46.7786% | 4,697 |
| Total domestic deposits to total assets | 87.7755% | 1,297 |
| Equity capital to assets | 10.7161% | 2,556 |
| Core capital (leverage) ratio | 14.1323% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0524% | 574 |
| Memoranda: | ||
| Average total assets | $47,406,667 | 4,725 |
| Average earning assets | $42,662,000 | 4,732 |
| Average equity | $5,531,333 | 4,744 |
| Average total loans | $22,725,333 | 4,716 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3957% | 4,738 |
| Cost of funding earning assets | 0.8103% | 2,323 |
| Net interest margin | 2.5853% | 4,763 |
| Noninterest income to average assets | 20.6389% | 35 |
| Noninterest expense to average assets | 19.4868% | 40 |
| Loan and lease loss provision to assets | 0.2105% | 1,454 |
| Net operating income to assets | 3.1684% | 57 |
| Return on assets (ROA) | 3.1684% | 55 |
| Pretax return on assets | 3.1684% | 73 |
| Return on Equity (ROE) | 25.1650% | 68 |
| Retained earnings to average equity (ytd only) | 25.1650% | 32 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2229% | 756 |
| Assets per employee ($millions) | 0.6996% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6274% | 4,722 |
| Loan loss allowance to noncurrent loans | 684.2105% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,375 |
| Noncurrent loans to loans | 0.0917% | 4,145 |
| Net loans and leases to total assets | 50.7381% | 4,200 |
| Net loans and leases to deposits | 63.2554% | 4,021 |
| Net loans and leases to core deposits | 63.2554% | 4,211 |
| Total domestic deposits to total assets | 80.2114% | 3,819 |
| Equity capital to assets | 11.5552% | 2,391 |
| Core capital (leverage) ratio | 14.0638% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3690% | 1,511 |
| Memoranda: | ||
| Average total assets | $36,106,500 | 4,900 |
| Average earning assets | $31,098,500 | 4,921 |
| Average equity | $4,546,000 | 4,890 |
| Average total loans | $19,650,500 | 4,810 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 4,621 |
| Cost of funding earning assets | 0.7197% | 3,072 |
| Net interest margin | 3.0394% | 4,470 |
| Noninterest income to average assets | 8.0136% | 73 |
| Noninterest expense to average assets | 10.5478% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1849% | 4,853 |
| Return on assets (ROA) | 0.1849% | 4,874 |
| Pretax return on assets | 0.1849% | 4,898 |
| Return on Equity (ROE) | 1.2506% | 4,889 |
| Retained earnings to average equity (ytd only) | 1.2506% | 4,292 |
| Net charge-offs to loans | 0.0644% | 2,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 3,022 |
| Efficiency ratio | 98.2770% | 182 |
| Assets per employee ($millions) | 0.6456% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5974% | 4,745 |
| Loan loss allowance to noncurrent loans | 584.2105% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 4,322 |
| Noncurrent loans to loans | 0.1022% | 4,113 |
| Net loans and leases to total assets | 58.3897% | 3,734 |
| Net loans and leases to deposits | 69.0195% | 3,741 |
| Net loans and leases to core deposits | 69.0195% | 4,018 |
| Total domestic deposits to total assets | 84.5988% | 2,644 |
| Equity capital to assets | 13.9186% | 1,126 |
| Core capital (leverage) ratio | 13.9663% | 936 |
| Tier 1 risk-based capital ratio | 25.4685% | 718 |
| Total risk-based capital ratio | 26.2436% | 737 |
| Memoranda: | ||
| Average total assets | $29,200,400 | 5,034 |
| Average earning assets | $26,123,800 | 5,031 |
| Average equity | $4,318,000 | 4,961 |
| Average total loans | $13,982,600 | 4,988 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7967% | 4,681 |
| Cost of funding earning assets | 0.5976% | 3,712 |
| Net interest margin | 3.1991% | 4,303 |
| Noninterest income to average assets | 5.1015% | 95 |
| Noninterest expense to average assets | 8.8274% | 87 |
| Loan and lease loss provision to assets | 0.0466% | 2,965 |
| Net operating income to assets | -0.8580% | 5,166 |
| Return on assets (ROA) | -0.8580% | 5,169 |
| Pretax return on assets | -0.8767% | 5,165 |
| Return on Equity (ROE) | -5.7097% | 5,162 |
| Retained earnings to average equity (ytd only) | -5.7097% | 5,076 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3790% | 103 |
| Assets per employee ($millions) | 0.7967% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 3,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 39.9459% | 4,818 |
| Net loans and leases to deposits | 46.7073% | 4,856 |
| Net loans and leases to core deposits | 46.7073% | 4,906 |
| Total domestic deposits to total assets | 85.5239% | 2,200 |
| Equity capital to assets | 13.4011% | 1,404 |
| Core capital (leverage) ratio | 13.4862% | 1,140 |
| Tier 1 risk-based capital ratio | 23.6095% | 883 |
| Total risk-based capital ratio | 24.3522% | 918 |
| Memoranda: | ||
| Average total assets | $28,592,000 | 5,119 |
| Average earning assets | $25,881,500 | 5,110 |
| Average equity | $4,296,750 | 5,034 |
| Average total loans | $12,832,750 | 5,092 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7616% | 4,757 |
| Cost of funding earning assets | 0.3612% | 4,646 |
| Net interest margin | 3.4004% | 3,896 |
| Noninterest income to average assets | 4.1419% | 114 |
| Noninterest expense to average assets | 7.1888% | 106 |
| Loan and lease loss provision to assets | 0.0360% | 3,099 |
| Net operating income to assets | 0.0864% | 5,067 |
| Return on assets (ROA) | 0.0864% | 5,076 |
| Pretax return on assets | 0.0360% | 5,099 |
| Return on Equity (ROE) | 0.5529% | 5,081 |
| Retained earnings to average equity (ytd only) | 0.5529% | 4,554 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0079% | 164 |
| Assets per employee ($millions) | 1.0432% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 3,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 44.7015% | 4,692 |
| Net loans and leases to deposits | 52.5367% | 4,723 |
| Net loans and leases to core deposits | 52.5367% | 4,808 |
| Total domestic deposits to total assets | 85.0863% | 2,436 |
| Equity capital to assets | 14.4113% | 977 |
| Core capital (leverage) ratio | 14.4653% | 835 |
| Tier 1 risk-based capital ratio | 26.8365% | 634 |
| Total risk-based capital ratio | 27.6117% | 652 |
| Memoranda: | ||
| Average total assets | $27,765,330 | 5,169 |
| Average earning assets | $25,467,670 | 5,159 |
| Average equity | $4,341,000 | 5,066 |
| Average total loans | $12,929,330 | 5,133 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 4,769 |
| Cost of funding earning assets | 0.1969% | 5,123 |
| Net interest margin | 3.5600% | 3,402 |
| Noninterest income to average assets | 2.3076% | 202 |
| Noninterest expense to average assets | 6.0782% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.4676% | 5,247 |
| Return on assets (ROA) | -0.4676% | 5,242 |
| Pretax return on assets | -0.4977% | 5,240 |
| Return on Equity (ROE) | -2.8627% | 5,234 |
| Retained earnings to average equity (ytd only) | -2.8627% | 4,806 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9189% | 113 |
| Assets per employee ($millions) | 1.1834% | 5,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9160% | 4,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 49.8560% | 4,478 |
| Net loans and leases to deposits | 60.0564% | 4,410 |
| Net loans and leases to core deposits | 60.0564% | 4,562 |
| Total domestic deposits to total assets | 83.0152% | 3,379 |
| Equity capital to assets | 16.5815% | 488 |
| Core capital (leverage) ratio | 16.9692% | 425 |
| Tier 1 risk-based capital ratio | 28.1937% | 547 |
| Total risk-based capital ratio | 28.9771% | 565 |
| Memoranda: | ||
| Average total assets | $26,521,000 | 5,238 |
| Average earning assets | $24,382,000 | 5,222 |
| Average equity | $4,331,500 | 5,109 |
| Average total loans | $12,569,000 | 5,202 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3171% | 5,070 |
| Cost of funding earning assets | 0.2177% | 4,934 |
| Net interest margin | 3.0994% | 4,652 |
| Noninterest income to average assets | 0.1583% | 4,930 |
| Noninterest expense to average assets | 2.5588% | 3,444 |
| Loan and lease loss provision to assets | 0.0188% | 3,785 |
| Net operating income to assets | 0.4974% | 4,663 |
| Return on assets (ROA) | 0.4974% | 4,668 |
| Pretax return on assets | 0.5314% | 4,754 |
| Return on Equity (ROE) | 3.0934% | 4,880 |
| Retained earnings to average equity (ytd only) | 3.0934% | 3,849 |
| Net charge-offs to loans | -0.0083% | 4,446 |
| Credit loss provision to net charge-offs | -500.0000% | 4,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3030% | 776 |
| Assets per employee ($millions) | 2.0775% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 44.1293% | 4,811 |
| Net loans and leases to deposits | 52.7159% | 4,799 |
| Net loans and leases to core deposits | 52.7159% | 4,880 |
| Total domestic deposits to total assets | 83.7116% | 3,080 |
| Equity capital to assets | 16.0921% | 520 |
| Core capital (leverage) ratio | 16.7391% | 434 |
| Tier 1 risk-based capital ratio | 29.4297% | 494 |
| Total risk-based capital ratio | 30.2415% | 505 |
| Memoranda: | ||
| Average total assets | $26,536,000 | 5,285 |
| Average earning assets | $25,263,200 | 5,259 |
| Average equity | $4,267,200 | 5,145 |
| Average total loans | $12,017,800 | 5,249 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2660% | 5,152 |
| Cost of funding earning assets | 0.2167% | 4,958 |
| Net interest margin | 3.0493% | 4,781 |
| Noninterest income to average assets | 0.1564% | 4,993 |
| Noninterest expense to average assets | 2.4881% | 3,627 |
| Loan and lease loss provision to assets | 0.0252% | 3,508 |
| Net operating income to assets | 0.5198% | 4,716 |
| Return on assets (ROA) | 0.5198% | 4,716 |
| Pretax return on assets | 0.5551% | 4,811 |
| Return on Equity (ROE) | 3.2332% | 4,971 |
| Retained earnings to average equity (ytd only) | 3.2332% | 4,129 |
| Net charge-offs to loans | -0.0111% | 4,430 |
| Credit loss provision to net charge-offs | -500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0855% | 853 |
| Assets per employee ($millions) | 5.1912% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 3,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 46.0857% | 4,799 |
| Net loans and leases to deposits | 55.4207% | 4,777 |
| Net loans and leases to core deposits | 55.4207% | 4,860 |
| Total domestic deposits to total assets | 83.1561% | 3,245 |
| Equity capital to assets | 16.6320% | 447 |
| Core capital (leverage) ratio | 16.6186% | 449 |
| Tier 1 risk-based capital ratio | 32.6064% | 378 |
| Total risk-based capital ratio | 33.5119% | 386 |
| Memoranda: | ||
| Average total assets | $26,418,250 | 5,355 |
| Average earning assets | $25,228,750 | 5,327 |
| Average equity | $4,247,500 | 5,212 |
| Average total loans | $12,012,750 | 5,313 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1814% | 5,244 |
| Cost of funding earning assets | 0.2126% | 4,961 |
| Net interest margin | 2.9688% | 4,918 |
| Noninterest income to average assets | 0.0903% | 5,293 |
| Noninterest expense to average assets | 2.5741% | 3,402 |
| Loan and lease loss provision to assets | 0.0376% | 3,158 |
| Net operating income to assets | 0.3161% | 5,096 |
| Return on assets (ROA) | 0.3161% | 5,091 |
| Pretax return on assets | 0.3161% | 5,147 |
| Return on Equity (ROE) | 1.9885% | 5,174 |
| Retained earnings to average equity (ytd only) | 1.9885% | 4,464 |
| Net charge-offs to loans | -0.0167% | 4,489 |
| Credit loss provision to net charge-offs | -500.0000% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9177% | 473 |
| Assets per employee ($millions) | 5.2808% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 44.1335% | 4,894 |
| Net loans and leases to deposits | 52.7166% | 4,890 |
| Net loans and leases to core deposits | 52.7166% | 4,969 |
| Total domestic deposits to total assets | 83.7184% | 3,167 |
| Equity capital to assets | 16.1188% | 486 |
| Core capital (leverage) ratio | 16.4288% | 451 |
| Tier 1 risk-based capital ratio | 32.7818% | 383 |
| Total risk-based capital ratio | 33.7053% | 388 |
| Memoranda: | ||
| Average total assets | $26,572,330 | 5,416 |
| Average earning assets | $25,397,670 | 5,385 |
| Average equity | $4,224,330 | 5,272 |
| Average total loans | $11,989,670 | 5,376 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0839% | 5,325 |
| Cost of funding earning assets | 0.2203% | 4,893 |
| Net interest margin | 2.8637% | 5,080 |
| Noninterest income to average assets | 0.1050% | 5,308 |
| Noninterest expense to average assets | 2.9711% | 2,139 |
| Loan and lease loss provision to assets | 0.0750% | 2,265 |
| Net operating income to assets | -0.2101% | 5,451 |
| Return on assets (ROA) | -0.2101% | 5,445 |
| Pretax return on assets | -0.2101% | 5,442 |
| Return on Equity (ROE) | -1.3306% | 5,431 |
| Retained earnings to average equity (ytd only) | -1.3306% | 4,946 |
| Net charge-offs to loans | 0.0331% | 1,842 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | -9.0000% | 2,699 |
| Efficiency ratio | 104.7619% | 135 |
| Assets per employee ($millions) | 5.2676% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 4,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 45.1857% | 4,837 |
| Net loans and leases to deposits | 53.8726% | 4,803 |
| Net loans and leases to core deposits | 53.8726% | 4,918 |
| Total domestic deposits to total assets | 83.8750% | 3,380 |
| Equity capital to assets | 15.9503% | 491 |
| Core capital (leverage) ratio | 15.7737% | 519 |
| Tier 1 risk-based capital ratio | 31.3334% | 428 |
| Total risk-based capital ratio | 32.2203% | 434 |
| Memoranda: | ||
| Average total assets | $26,656,500 | 5,473 |
| Average earning assets | $25,422,000 | 5,445 |
| Average equity | $4,208,500 | 5,332 |
| Average total loans | $12,098,000 | 5,438 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8428% | 5,441 |
| Cost of funding earning assets | 0.1934% | 4,997 |
| Net interest margin | 2.6494% | 5,317 |
| Noninterest income to average assets | 0.0853% | 5,448 |
| Noninterest expense to average assets | 2.6658% | 3,241 |
| Loan and lease loss provision to assets | 0.0556% | 3,118 |
| Net operating income to assets | -0.0964% | 5,416 |
| Return on assets (ROA) | -0.0964% | 5,418 |
| Pretax return on assets | -0.0964% | 5,465 |
| Return on Equity (ROE) | -0.6165% | 5,407 |
| Retained earnings to average equity (ytd only) | -0.6165% | 5,134 |
| Net charge-offs to loans | 0.0485% | 2,816 |
| Credit loss provision to net charge-offs | 300.0000% | 939 |
| Earnings coverage of net charge-offs (x) | -2.2000% | 4,055 |
| Efficiency ratio | 101.5537% | 154 |
| Assets per employee ($millions) | 4.4958% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 4,287 |
| Loan loss allowance to noncurrent loans | 11,400.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 5,180 |
| Noncurrent loans to loans | 0.0082% | 5,016 |
| Net loans and leases to total assets | 44.7155% | 4,947 |
| Net loans and leases to deposits | 53.1108% | 4,927 |
| Net loans and leases to core deposits | 53.7068% | 5,009 |
| Total domestic deposits to total assets | 84.1928% | 3,127 |
| Equity capital to assets | 15.6293% | 561 |
| Core capital (leverage) ratio | 15.4415% | 548 |
| Tier 1 risk-based capital ratio | 30.5586% | 444 |
| Total risk-based capital ratio | 31.3845% | 454 |
| Memoranda: | ||
| Average total assets | $26,970,800 | 5,532 |
| Average earning assets | $25,855,000 | 5,497 |
| Average equity | $4,217,200 | 5,389 |
| Average total loans | $10,313,000 | 5,532 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7367% | 5,548 |
| Cost of funding earning assets | 0.1852% | 5,094 |
| Net interest margin | 2.5515% | 5,440 |
| Noninterest income to average assets | 0.0841% | 5,523 |
| Noninterest expense to average assets | 2.6301% | 3,319 |
| Loan and lease loss provision to assets | 0.0742% | 2,587 |
| Net operating income to assets | -0.1681% | 5,568 |
| Return on assets (ROA) | -0.1681% | 5,574 |
| Pretax return on assets | -0.1681% | 5,570 |
| Return on Equity (ROE) | -1.0748% | 5,562 |
| Retained earnings to average equity (ytd only) | -1.0748% | 5,359 |
| Net charge-offs to loans | 0.0677% | 2,153 |
| Credit loss provision to net charge-offs | 300.0000% | 979 |
| Earnings coverage of net charge-offs (x) | -3.7976% | 3,748 |
| Efficiency ratio | 103.7037% | 138 |
| Assets per employee ($millions) | 4.5102% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 4,365 |
| Loan loss allowance to noncurrent loans | 11,400.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 5,250 |
| Noncurrent loans to loans | 0.0083% | 5,108 |
| Net loans and leases to total assets | 44.2999% | 5,012 |
| Net loans and leases to deposits | 52.5905% | 5,019 |
| Net loans and leases to core deposits | 53.1784% | 5,097 |
| Total domestic deposits to total assets | 84.2356% | 3,027 |
| Equity capital to assets | 15.5537% | 621 |
| Core capital (leverage) ratio | 15.5649% | 567 |
| Tier 1 risk-based capital ratio | 30.9354% | 441 |
| Total risk-based capital ratio | 31.7731% | 454 |
| Memoranda: | ||
| Average total assets | $26,969,750 | 5,593 |
| Average earning assets | $25,918,500 | 5,560 |
| Average equity | $4,217,500 | 5,451 |
| Average total loans | $9,847,250 | 5,604 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5546% | 5,642 |
| Cost of funding earning assets | 0.1775% | 5,160 |
| Net interest margin | 2.3771% | 5,580 |
| Noninterest income to average assets | 0.0891% | 5,551 |
| Noninterest expense to average assets | 2.6059% | 3,417 |
| Loan and lease loss provision to assets | 0.1114% | 1,836 |
| Net operating income to assets | -0.3415% | 5,659 |
| Return on assets (ROA) | -0.3415% | 5,658 |
| Pretax return on assets | -0.3415% | 5,642 |
| Return on Equity (ROE) | -2.1799% | 5,630 |
| Retained earnings to average equity (ytd only) | -2.1799% | 5,363 |
| Net charge-offs to loans | 0.1099% | 1,534 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | -6.2000% | 3,469 |
| Efficiency ratio | 109.6875% | 104 |
| Assets per employee ($millions) | 4.5545% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 4,261 |
| Loan loss allowance to noncurrent loans | 475.0000% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 4,841 |
| Noncurrent loans to loans | 0.2065% | 4,296 |
| Net loans and leases to total assets | 42.1195% | 5,138 |
| Net loans and leases to deposits | 49.8506% | 5,143 |
| Net loans and leases to core deposits | 50.4007% | 5,209 |
| Total domestic deposits to total assets | 84.4915% | 3,013 |
| Equity capital to assets | 15.3584% | 642 |
| Core capital (leverage) ratio | 15.4833% | 549 |
| Tier 1 risk-based capital ratio | 32.0262% | 402 |
| Total risk-based capital ratio | 32.8959% | 405 |
| Memoranda: | ||
| Average total assets | $26,939,330 | 5,637 |
| Average earning assets | $25,913,670 | 5,604 |
| Average equity | $4,220,330 | 5,490 |
| Average total loans | $9,095,670 | 5,668 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3816% | 5,749 |
| Cost of funding earning assets | 0.1712% | 5,227 |
| Net interest margin | 2.2104% | 5,699 |
| Noninterest income to average assets | 0.0897% | 5,619 |
| Noninterest expense to average assets | 2.5874% | 3,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.3739% | 5,720 |
| Return on assets (ROA) | -0.3739% | 5,718 |
| Pretax return on assets | -0.3739% | 5,705 |
| Return on Equity (ROE) | -2.3629% | 5,693 |
| Retained earnings to average equity (ytd only) | -2.3629% | 5,206 |
| Net charge-offs to loans | 0.1532% | 1,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -8.3333% | 2,913 |
| Efficiency ratio | 116.8919% | 83 |
| Assets per employee ($millions) | 4.4652% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,926 |
| Loan loss allowance to noncurrent loans | 5,050.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 5,340 |
| Noncurrent loans to loans | 0.0244% | 5,125 |
| Net loans and leases to total assets | 30.2079% | 5,584 |
| Net loans and leases to deposits | 35.8971% | 5,587 |
| Net loans and leases to core deposits | 36.3029% | 5,615 |
| Total domestic deposits to total assets | 84.1514% | 3,422 |
| Equity capital to assets | 15.7478% | 533 |
| Core capital (leverage) ratio | 15.6957% | 504 |
| Tier 1 risk-based capital ratio | 43.7792% | 178 |
| Total risk-based capital ratio | 44.8272% | 181 |
| Memoranda: | ||
| Average total assets | $26,745,500 | 5,709 |
| Average earning assets | $25,697,000 | 5,673 |
| Average equity | $4,232,000 | 5,540 |
| Average total loans | $7,831,500 | 5,758 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8550% | 5,615 |
| Cost of funding earning assets | 0.1937% | 5,080 |
| Net interest margin | 2.6613% | 5,463 |
| Noninterest income to average assets | 0.1210% | 5,578 |
| Noninterest expense to average assets | 2.3320% | 4,480 |
| Loan and lease loss provision to assets | 0.0968% | 2,433 |
| Net operating income to assets | 0.4016% | 4,940 |
| Return on assets (ROA) | 0.4016% | 5,020 |
| Pretax return on assets | 0.2177% | 5,480 |
| Return on Equity (ROE) | 1.9664% | 5,412 |
| Retained earnings to average equity (ytd only) | 1.9664% | 4,420 |
| Net charge-offs to loans | 0.1522% | 1,740 |
| Credit loss provision to net charge-offs | 166.6667% | 1,656 |
| Earnings coverage of net charge-offs (x) | 5.4167% | 3,344 |
| Efficiency ratio | 88.1170% | 666 |
| Assets per employee ($millions) | 5.3400% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 2,113 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 5,338 |
| Noncurrent loans to loans | 0.0536% | 5,032 |
| Net loans and leases to total assets | 27.5843% | 5,691 |
| Net loans and leases to deposits | 32.8282% | 5,701 |
| Net loans and leases to core deposits | 33.1996% | 5,718 |
| Total domestic deposits to total assets | 84.0262% | 3,410 |
| Equity capital to assets | 15.8989% | 508 |
| Core capital (leverage) ratio | 17.7759% | 299 |
| Tier 1 risk-based capital ratio | 48.2054% | 149 |
| Total risk-based capital ratio | 49.3866% | 144 |
| Memoranda: | ||
| Average total assets | $20,668,600 | 5,833 |
| Average earning assets | $19,614,800 | 5,808 |
| Average equity | $4,221,000 | 5,607 |
| Average total loans | $7,886,400 | 5,815 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0684% | 5,504 |
| Cost of funding earning assets | 0.2060% | 5,004 |
| Net interest margin | 2.8623% | 5,247 |
| Noninterest income to average assets | 0.1322% | 5,592 |
| Noninterest expense to average assets | 2.1224% | 4,965 |
| Loan and lease loss provision to assets | 0.1392% | 1,688 |
| Net operating income to assets | 0.8489% | 3,158 |
| Return on assets (ROA) | 0.8489% | 3,278 |
| Pretax return on assets | 0.5775% | 4,933 |
| Return on Equity (ROE) | 3.8591% | 4,951 |
| Retained earnings to average equity (ytd only) | 3.8591% | 3,558 |
| Net charge-offs to loans | 0.1668% | 1,373 |
| Credit loss provision to net charge-offs | 200.0000% | 1,437 |
| Earnings coverage of net charge-offs (x) | 10.3023% | 2,585 |
| Efficiency ratio | 74.7549% | 2,149 |
| Assets per employee ($millions) | 3.6788% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 2,633 |
| Loan loss allowance to noncurrent loans | 2,650.0000% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 5,428 |
| Noncurrent loans to loans | 0.0494% | 5,163 |
| Net loans and leases to total assets | 43.4109% | 5,230 |
| Net loans and leases to deposits | 56.7641% | 4,950 |
| Net loans and leases to core deposits | 57.7953% | 5,063 |
| Total domestic deposits to total assets | 76.4760% | 5,170 |
| Equity capital to assets | 23.3065% | 129 |
| Core capital (leverage) ratio | 22.9602% | 124 |
| Tier 1 risk-based capital ratio | 45.6026% | 172 |
| Total risk-based capital ratio | 46.7313% | 174 |
| Memoranda: | ||
| Average total assets | $19,160,750 | 5,912 |
| Average earning assets | $18,120,000 | 5,888 |
| Average equity | $4,215,000 | 5,666 |
| Average total loans | $7,990,750 | 5,876 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0279% | 5,622 |
| Cost of funding earning assets | 0.2069% | 5,079 |
| Net interest margin | 2.8210% | 5,394 |
| Noninterest income to average assets | 0.1339% | 5,641 |
| Noninterest expense to average assets | 2.1631% | 4,923 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5768% | 4,368 |
| Return on assets (ROA) | 0.5768% | 4,490 |
| Pretax return on assets | 0.6386% | 4,794 |
| Return on Equity (ROE) | 2.6724% | 5,339 |
| Retained earnings to average equity (ytd only) | 2.6724% | 4,197 |
| Net charge-offs to loans | 0.2513% | 942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,773 |
| Efficiency ratio | 77.2059% | 1,895 |
| Assets per employee ($millions) | 3.7338% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 4,177 |
| Loan loss allowance to noncurrent loans | 8,600.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 5,616 |
| Noncurrent loans to loans | 0.0123% | 5,448 |
| Net loans and leases to total assets | 43.0446% | 5,279 |
| Net loans and leases to deposits | 55.9143% | 5,020 |
| Net loans and leases to core deposits | 56.9082% | 5,130 |
| Total domestic deposits to total assets | 76.9832% | 5,163 |
| Equity capital to assets | 22.6257% | 142 |
| Core capital (leverage) ratio | 22.2029% | 129 |
| Tier 1 risk-based capital ratio | 44.4175% | 178 |
| Total risk-based capital ratio | 45.3234% | 181 |
| Memoranda: | ||
| Average total assets | $19,416,330 | 5,985 |
| Average earning assets | $18,362,330 | 5,961 |
| Average equity | $4,191,000 | 5,732 |
| Average total loans | $7,957,330 | 5,953 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9699% | 5,716 |
| Cost of funding earning assets | 0.2137% | 5,066 |
| Net interest margin | 2.7563% | 5,536 |
| Noninterest income to average assets | 0.1213% | 5,733 |
| Noninterest expense to average assets | 2.1829% | 4,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4851% | 4,690 |
| Return on assets (ROA) | 0.4851% | 4,788 |
| Pretax return on assets | 0.5457% | 4,963 |
| Return on Equity (ROE) | 2.2997% | 5,431 |
| Retained earnings to average equity (ytd only) | 2.2997% | 4,335 |
| Net charge-offs to loans | 0.5079% | 432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.7000% | 2,647 |
| Efficiency ratio | 80.0000% | 1,606 |
| Assets per employee ($millions) | 3.9008% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 3,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 39.2484% | 5,498 |
| Net loans and leases to deposits | 50.1704% | 5,331 |
| Net loans and leases to core deposits | 51.0095% | 5,404 |
| Total domestic deposits to total assets | 78.2301% | 5,107 |
| Equity capital to assets | 21.4879% | 163 |
| Core capital (leverage) ratio | 21.2674% | 156 |
| Tier 1 risk-based capital ratio | 46.0497% | 164 |
| Total risk-based capital ratio | 46.9960% | 161 |
| Memoranda: | ||
| Average total assets | $19,790,000 | 6,040 |
| Average earning assets | $18,721,000 | 6,019 |
| Average equity | $4,174,500 | 5,775 |
| Average total loans | $7,875,000 | 6,011 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0641% | 5,677 |
| Cost of funding earning assets | 0.2234% | 5,057 |
| Net interest margin | 2.8407% | 5,441 |
| Noninterest income to average assets | 0.1351% | 5,740 |
| Noninterest expense to average assets | 2.0772% | 5,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6106% | 4,217 |
| Return on assets (ROA) | 0.6106% | 4,314 |
| Pretax return on assets | 0.7308% | 4,430 |
| Return on Equity (ROE) | 2.9299% | 5,325 |
| Retained earnings to average equity (ytd only) | 1.0086% | 5,113 |
| Net charge-offs to loans | 0.1212% | 2,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 14.6000% | 2,279 |
| Efficiency ratio | 73.9750% | 2,584 |
| Assets per employee ($millions) | 4.0152% | 3,912 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 3,498 |
| Loan loss allowance to noncurrent loans | 355.5556% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 5,055 |
| Noncurrent loans to loans | 0.3371% | 4,256 |
| Net loans and leases to total assets | 39.4152% | 5,551 |
| Net loans and leases to deposits | 49.8771% | 5,398 |
| Net loans and leases to core deposits | 49.8771% | 5,503 |
| Total domestic deposits to total assets | 79.0247% | 4,976 |
| Equity capital to assets | 20.7113% | 191 |
| Core capital (leverage) ratio | 20.6727% | 170 |
| Tier 1 risk-based capital ratio | 44.4504% | 177 |
| Total risk-based capital ratio | 45.4759% | 176 |
| Memoranda: | ||
| Average total assets | $19,979,000 | 6,096 |
| Average earning assets | $18,798,400 | 6,071 |
| Average equity | $4,164,000 | 5,826 |
| Average total loans | $8,252,000 | 6,055 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0647% | 5,752 |
| Cost of funding earning assets | 0.2199% | 5,188 |
| Net interest margin | 2.8448% | 5,505 |
| Noninterest income to average assets | 0.1337% | 5,816 |
| Noninterest expense to average assets | 2.0847% | 5,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6014% | 4,380 |
| Return on assets (ROA) | 0.6014% | 4,485 |
| Pretax return on assets | 0.7283% | 4,579 |
| Return on Equity (ROE) | 2.8808% | 5,430 |
| Retained earnings to average equity (ytd only) | 2.8808% | 4,396 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1093% | 2,536 |
| Assets per employee ($millions) | 3.7966% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 3,350 |
| Loan loss allowance to noncurrent loans | 278.9474% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 4,951 |
| Noncurrent loans to loans | 0.4491% | 4,000 |
| Net loans and leases to total assets | 44.0183% | 5,357 |
| Net loans and leases to deposits | 56.8939% | 5,079 |
| Net loans and leases to core deposits | 56.8939% | 5,255 |
| Total domestic deposits to total assets | 77.3692% | 5,281 |
| Equity capital to assets | 22.2093% | 150 |
| Core capital (leverage) ratio | 21.2672% | 164 |
| Tier 1 risk-based capital ratio | 43.5354% | 203 |
| Total risk-based capital ratio | 44.6318% | 202 |
| Memoranda: | ||
| Average total assets | $19,954,750 | 6,180 |
| Average earning assets | $18,794,250 | 6,159 |
| Average equity | $4,165,500 | 5,906 |
| Average total loans | $8,312,750 | 6,138 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9867% | 5,871 |
| Cost of funding earning assets | 0.2201% | 5,254 |
| Net interest margin | 2.7667% | 5,681 |
| Noninterest income to average assets | 0.1282% | 5,911 |
| Noninterest expense to average assets | 2.0317% | 5,469 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5918% | 4,387 |
| Return on assets (ROA) | 0.5918% | 4,477 |
| Pretax return on assets | 0.7002% | 4,650 |
| Return on Equity (ROE) | 2.8925% | 5,438 |
| Retained earnings to average equity (ytd only) | 2.8925% | 4,202 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3682% | 2,630 |
| Assets per employee ($millions) | 4.1304% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 3,516 |
| Loan loss allowance to noncurrent loans | 294.4444% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 5,179 |
| Noncurrent loans to loans | 0.4241% | 4,208 |
| Net loans and leases to total assets | 40.5869% | 5,597 |
| Net loans and leases to deposits | 51.0848% | 5,445 |
| Net loans and leases to core deposits | 51.0848% | 5,573 |
| Total domestic deposits to total assets | 79.4499% | 4,992 |
| Equity capital to assets | 20.2499% | 215 |
| Core capital (leverage) ratio | 20.4823% | 183 |
| Tier 1 risk-based capital ratio | 42.7563% | 223 |
| Total risk-based capital ratio | 43.8408% | 223 |
| Memoranda: | ||
| Average total assets | $20,278,670 | 6,251 |
| Average earning assets | $19,084,330 | 6,227 |
| Average equity | $4,148,670 | 5,968 |
| Average total loans | $8,263,000 | 6,209 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9909% | 5,903 |
| Cost of funding earning assets | 0.2333% | 5,184 |
| Net interest margin | 2.7575% | 5,724 |
| Noninterest income to average assets | 0.1394% | 5,912 |
| Noninterest expense to average assets | 2.1501% | 5,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4977% | 4,692 |
| Return on assets (ROA) | 0.4977% | 4,812 |
| Pretax return on assets | 0.5773% | 4,976 |
| Return on Equity (ROE) | 2.4201% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.4201% | 4,485 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8321% | 2,070 |
| Assets per employee ($millions) | 4.0002% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 3,212 |
| Loan loss allowance to noncurrent loans | 235.5556% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 5,037 |
| Noncurrent loans to loans | 0.5674% | 3,883 |
| Net loans and leases to total assets | 39.1230% | 5,654 |
| Net loans and leases to deposits | 49.5034% | 5,490 |
| Net loans and leases to core deposits | 49.5034% | 5,612 |
| Total domestic deposits to total assets | 79.0310% | 5,257 |
| Equity capital to assets | 20.7390% | 194 |
| Core capital (leverage) ratio | 20.3526% | 193 |
| Tier 1 risk-based capital ratio | 44.7952% | 201 |
| Total risk-based capital ratio | 45.9410% | 198 |
| Memoranda: | ||
| Average total assets | $20,092,000 | 6,322 |
| Average earning assets | $18,857,500 | 6,298 |
| Average equity | $4,132,000 | 6,024 |
| Average total loans | $8,150,500 | 6,278 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1997% | 5,838 |
| Cost of funding earning assets | 0.2250% | 5,559 |
| Net interest margin | 2.9747% | 5,497 |
| Noninterest income to average assets | 0.1332% | 6,026 |
| Noninterest expense to average assets | 2.1113% | 5,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6560% | 4,108 |
| Return on assets (ROA) | 0.6560% | 4,210 |
| Pretax return on assets | 0.7994% | 4,264 |
| Return on Equity (ROE) | 3.1089% | 5,435 |
| Retained earnings to average equity (ytd only) | 1.1658% | 5,255 |
| Net charge-offs to loans | 0.0237% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 640 |
| Efficiency ratio | 72.5352% | 3,116 |
| Assets per employee ($millions) | 4.0366% | 3,866 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 3,612 |
| Loan loss allowance to noncurrent loans | 278.9474% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 5,276 |
| Noncurrent loans to loans | 0.4540% | 4,290 |
| Net loans and leases to total assets | 40.9454% | 5,691 |
| Net loans and leases to deposits | 51.5694% | 5,510 |
| Net loans and leases to core deposits | 51.5694% | 5,636 |
| Total domestic deposits to total assets | 79.3985% | 5,160 |
| Equity capital to assets | 20.3934% | 212 |
| Core capital (leverage) ratio | 20.8669% | 179 |
| Tier 1 risk-based capital ratio | 38.3740% | 261 |
| Total risk-based capital ratio | 39.3623% | 265 |
| Memoranda: | ||
| Average total assets | $19,513,600 | 6,420 |
| Average earning assets | $18,220,400 | 6,396 |
| Average equity | $4,117,200 | 6,067 |
| Average total loans | $8,428,000 | 6,357 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2107% | 5,890 |
| Cost of funding earning assets | 0.2283% | 5,606 |
| Net interest margin | 2.9824% | 5,537 |
| Noninterest income to average assets | 0.1309% | 6,118 |
| Noninterest expense to average assets | 2.0744% | 5,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6823% | 4,029 |
| Return on assets (ROA) | 0.6823% | 4,118 |
| Pretax return on assets | 0.8477% | 4,186 |
| Return on Equity (ROE) | 3.2058% | 5,473 |
| Retained earnings to average equity (ytd only) | 3.2058% | 4,351 |
| Net charge-offs to loans | 0.0474% | 3,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,111 |
| Efficiency ratio | 70.9906% | 3,341 |
| Assets per employee ($millions) | 3.7174% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 4,196 |
| Loan loss allowance to noncurrent loans | 129.6296% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 4,610 |
| Noncurrent loans to loans | 0.9290% | 3,245 |
| Net loans and leases to total assets | 46.3442% | 5,343 |
| Net loans and leases to deposits | 60.0195% | 4,939 |
| Net loans and leases to core deposits | 60.0195% | 5,187 |
| Total domestic deposits to total assets | 77.2153% | 5,639 |
| Equity capital to assets | 22.4081% | 146 |
| Core capital (leverage) ratio | 21.7675% | 146 |
| Tier 1 risk-based capital ratio | 38.1655% | 273 |
| Total risk-based capital ratio | 39.1276% | 277 |
| Memoranda: | ||
| Average total assets | $19,346,250 | 6,499 |
| Average earning assets | $18,105,750 | 6,474 |
| Average equity | $4,117,500 | 6,134 |
| Average total loans | $8,442,500 | 6,429 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1290% | 6,028 |
| Cost of funding earning assets | 0.2407% | 5,576 |
| Net interest margin | 2.8884% | 5,753 |
| Noninterest income to average assets | 0.1327% | 6,155 |
| Noninterest expense to average assets | 2.0307% | 5,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6633% | 4,025 |
| Return on assets (ROA) | 0.6633% | 4,126 |
| Pretax return on assets | 0.7959% | 4,285 |
| Return on Equity (ROE) | 3.1694% | 5,471 |
| Retained earnings to average equity (ytd only) | 3.1694% | 4,185 |
| Net charge-offs to loans | 0.0719% | 2,985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,389 |
| Efficiency ratio | 71.8412% | 3,374 |
| Assets per employee ($millions) | 3.8490% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 4,271 |
| Loan loss allowance to noncurrent loans | 256.0976% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 5,485 |
| Noncurrent loans to loans | 0.4803% | 4,558 |
| Net loans and leases to total assets | 43.8088% | 5,548 |
| Net loans and leases to deposits | 55.9865% | 5,193 |
| Net loans and leases to core deposits | 55.9865% | 5,416 |
| Total domestic deposits to total assets | 78.2489% | 5,589 |
| Equity capital to assets | 21.4809% | 158 |
| Core capital (leverage) ratio | 20.9497% | 167 |
| Tier 1 risk-based capital ratio | 39.1663% | 258 |
| Total risk-based capital ratio | 40.1611% | 259 |
| Memoranda: | ||
| Average total assets | $19,599,330 | 6,561 |
| Average earning assets | $18,280,330 | 6,534 |
| Average equity | $4,101,670 | 6,177 |
| Average total loans | $8,350,330 | 6,493 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1836% | 6,027 |
| Cost of funding earning assets | 0.2399% | 5,675 |
| Net interest margin | 2.9437% | 5,659 |
| Noninterest income to average assets | 0.1214% | 6,242 |
| Noninterest expense to average assets | 2.1035% | 5,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6270% | 4,056 |
| Return on assets (ROA) | 0.6270% | 4,141 |
| Pretax return on assets | 0.7484% | 4,318 |
| Return on Equity (ROE) | 3.0351% | 5,446 |
| Retained earnings to average equity (ytd only) | 3.0351% | 4,292 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7589% | 3,189 |
| Assets per employee ($millions) | 3.9540% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 3,848 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 6,168 |
| Noncurrent loans to loans | 0.1000% | 5,825 |
| Net loans and leases to total assets | 39.9393% | 5,814 |
| Net loans and leases to deposits | 50.5053% | 5,556 |
| Net loans and leases to core deposits | 50.5053% | 5,726 |
| Total domestic deposits to total assets | 79.0794% | 5,672 |
| Equity capital to assets | 20.7385% | 182 |
| Core capital (leverage) ratio | 20.5927% | 182 |
| Tier 1 risk-based capital ratio | 41.5484% | 215 |
| Total risk-based capital ratio | 42.6429% | 212 |
| Memoranda: | ||
| Average total assets | $19,776,500 | 6,626 |
| Average earning assets | $18,344,000 | 6,603 |
| Average equity | $4,085,500 | 6,228 |
| Average total loans | $8,257,500 | 6,567 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3511% | 5,918 |
| Cost of funding earning assets | 0.2474% | 5,982 |
| Net interest margin | 3.1037% | 5,300 |
| Noninterest income to average assets | 0.1628% | 6,115 |
| Noninterest expense to average assets | 2.0746% | 5,883 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6775% | 3,904 |
| Return on assets (ROA) | 0.6775% | 3,995 |
| Pretax return on assets | 0.9874% | 3,402 |
| Return on Equity (ROE) | 3.1689% | 5,443 |
| Retained earnings to average equity (ytd only) | 1.2037% | 5,288 |
| Net charge-offs to loans | 0.0119% | 5,213 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 241 |
| Efficiency ratio | 67.7530% | 4,245 |
| Assets per employee ($millions) | 3.9566% | 3,954 |
| Cash dividends to net income (ytd only)* | 62.0155% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 4,301 |
| Loan loss allowance to noncurrent loans | 5,400.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 6,392 |
| Noncurrent loans to loans | 0.0235% | 6,193 |
| Net loans and leases to total assets | 42.4759% | 5,796 |
| Net loans and leases to deposits | 53.5871% | 5,500 |
| Net loans and leases to core deposits | 53.5871% | 5,699 |
| Total domestic deposits to total assets | 79.2650% | 5,610 |
| Equity capital to assets | 20.5783% | 182 |
| Core capital (leverage) ratio | 21.2109% | 152 |
| Tier 1 risk-based capital ratio | 39.5704% | 236 |
| Total risk-based capital ratio | 40.6201% | 234 |
| Memoranda: | ||
| Average total assets | $19,040,000 | 6,717 |
| Average earning assets | $17,785,400 | 6,686 |
| Average equity | $4,070,800 | 6,310 |
| Average total loans | $8,413,000 | 6,633 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3112% | 6,044 |
| Cost of funding earning assets | 0.2483% | 6,099 |
| Net interest margin | 3.0628% | 5,425 |
| Noninterest income to average assets | 0.1697% | 6,169 |
| Noninterest expense to average assets | 2.0861% | 5,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6435% | 4,160 |
| Return on assets (ROA) | 0.6435% | 4,277 |
| Pretax return on assets | 0.9617% | 3,643 |
| Return on Equity (ROE) | 2.9805% | 5,613 |
| Retained earnings to average equity (ytd only) | 2.9805% | 4,545 |
| Net charge-offs to loans | 0.0159% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 136.3383% | 398 |
| Efficiency ratio | 68.4455% | 4,002 |
| Assets per employee ($millions) | 3.6654% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 4,733 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 4,868 |
| Noncurrent loans to loans | 1.0946% | 3,602 |
| Net loans and leases to total assets | 47.2636% | 5,423 |
| Net loans and leases to deposits | 61.2155% | 4,847 |
| Net loans and leases to core deposits | 61.2155% | 5,193 |
| Total domestic deposits to total assets | 77.2085% | 6,020 |
| Equity capital to assets | 22.4478% | 132 |
| Core capital (leverage) ratio | 21.8935% | 138 |
| Tier 1 risk-based capital ratio | 39.4326% | 246 |
| Total risk-based capital ratio | 40.4677% | 248 |
| Memoranda: | ||
| Average total assets | $18,854,250 | 6,792 |
| Average earning assets | $17,717,250 | 6,762 |
| Average equity | $4,070,750 | 6,383 |
| Average total loans | $8,388,500 | 6,709 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2951% | 6,096 |
| Cost of funding earning assets | 0.2354% | 6,269 |
| Net interest margin | 3.0597% | 5,398 |
| Noninterest income to average assets | 0.1682% | 6,209 |
| Noninterest expense to average assets | 2.0389% | 5,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6411% | 4,102 |
| Return on assets (ROA) | 0.6411% | 4,247 |
| Pretax return on assets | 0.9984% | 3,516 |
| Return on Equity (ROE) | 3.0076% | 5,619 |
| Retained earnings to average equity (ytd only) | 3.0076% | 4,404 |
| Net charge-offs to loans | 0.0242% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 488 |
| Efficiency ratio | 67.1280% | 4,337 |
| Assets per employee ($millions) | 3.8392% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 4,526 |
| Loan loss allowance to noncurrent loans | 257.1429% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 5,843 |
| Noncurrent loans to loans | 0.5042% | 5,007 |
| Net loans and leases to total assets | 42.8318% | 5,834 |
| Net loans and leases to deposits | 54.6203% | 5,468 |
| Net loans and leases to core deposits | 54.6203% | 5,705 |
| Total domestic deposits to total assets | 78.4174% | 5,892 |
| Equity capital to assets | 21.2753% | 155 |
| Core capital (leverage) ratio | 21.5435% | 135 |
| Tier 1 risk-based capital ratio | 41.6990% | 209 |
| Total risk-based capital ratio | 42.8017% | 210 |
| Memoranda: | ||
| Average total assets | $19,030,000 | 6,839 |
| Average earning assets | $17,844,670 | 6,810 |
| Average equity | $4,056,330 | 6,437 |
| Average total loans | $8,261,330 | 6,762 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3205% | 6,112 |
| Cost of funding earning assets | 0.2259% | 6,436 |
| Net interest margin | 3.0946% | 5,277 |
| Noninterest income to average assets | 0.1689% | 6,247 |
| Noninterest expense to average assets | 2.0478% | 6,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5700% | 4,361 |
| Return on assets (ROA) | 0.5700% | 4,511 |
| Pretax return on assets | 1.0134% | 3,287 |
| Return on Equity (ROE) | 2.6716% | 5,715 |
| Retained earnings to average equity (ytd only) | 2.6716% | 4,685 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8966% | 4,508 |
| Assets per employee ($millions) | 3.8242% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 4,478 |
| Loan loss allowance to noncurrent loans | 90.8333% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 4,816 |
| Noncurrent loans to loans | 1.4842% | 3,330 |
| Net loans and leases to total assets | 41.7133% | 5,867 |
| Net loans and leases to deposits | 53.1344% | 5,509 |
| Net loans and leases to core deposits | 53.1344% | 5,739 |
| Total domestic deposits to total assets | 78.5053% | 6,048 |
| Equity capital to assets | 21.2123% | 173 |
| Core capital (leverage) ratio | 21.8907% | 138 |
| Tier 1 risk-based capital ratio | 43.3805% | 191 |
| Total risk-based capital ratio | 44.5480% | 186 |
| Memoranda: | ||
| Average total assets | $18,947,000 | 6,917 |
| Average earning assets | $17,708,000 | 6,889 |
| Average equity | $4,042,500 | 6,502 |
| Average total loans | $8,227,000 | 6,837 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 6,073 |
| Cost of funding earning assets | 0.2860% | 6,517 |
| Net interest margin | 3.4030% | 4,873 |
| Noninterest income to average assets | 0.1973% | 6,006 |
| Noninterest expense to average assets | 2.1589% | 6,006 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9370% | 2,616 |
| Return on assets (ROA) | 0.9370% | 2,864 |
| Pretax return on assets | 1.2329% | 2,663 |
| Return on Equity (ROE) | 4.2658% | 5,034 |
| Retained earnings to average equity (ytd only) | 2.2701% | 4,644 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6511% | 4,947 |
| Assets per employee ($millions) | 3.7546% | 4,455 |
| Cash dividends to net income (ytd only)* | 46.7836% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 4,622 |
| Loan loss allowance to noncurrent loans | 3,633.3333% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 6,636 |
| Noncurrent loans to loans | 0.0358% | 6,417 |
| Net loans and leases to total assets | 43.9994% | 5,819 |
| Net loans and leases to deposits | 56.3515% | 5,412 |
| Net loans and leases to core deposits | 56.3515% | 5,691 |
| Total domestic deposits to total assets | 78.0802% | 6,067 |
| Equity capital to assets | 21.4617% | 170 |
| Core capital (leverage) ratio | 21.8618% | 144 |
| Tier 1 risk-based capital ratio | 42.1742% | 201 |
| Total risk-based capital ratio | 43.3169% | 199 |
| Memoranda: | ||
| Average total assets | $18,250,000 | 6,986 |
| Average earning assets | $17,132,000 | 6,952 |
| Average equity | $4,008,600 | 6,564 |
| Average total loans | $8,402,800 | 6,903 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6950% | 6,226 |
| Cost of funding earning assets | 0.2884% | 6,665 |
| Net interest margin | 3.4066% | 5,013 |
| Noninterest income to average assets | 0.1913% | 6,154 |
| Noninterest expense to average assets | 2.1634% | 6,031 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9493% | 2,747 |
| Return on assets (ROA) | 0.9493% | 2,978 |
| Pretax return on assets | 1.2436% | 2,811 |
| Return on Equity (ROE) | 4.2962% | 5,153 |
| Retained earnings to average equity (ytd only) | 4.2962% | 3,862 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4989% | 4,886 |
| Assets per employee ($millions) | 3.5586% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 4,983 |
| Loan loss allowance to noncurrent loans | 5,450.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 6,755 |
| Noncurrent loans to loans | 0.0232% | 6,579 |
| Net loans and leases to total assets | 47.8615% | 5,561 |
| Net loans and leases to deposits | 62.5487% | 4,898 |
| Net loans and leases to core deposits | 62.5487% | 5,306 |
| Total domestic deposits to total assets | 76.5189% | 6,311 |
| Equity capital to assets | 22.8685% | 145 |
| Core capital (leverage) ratio | 23.0542% | 121 |
| Tier 1 risk-based capital ratio | 38.6615% | 271 |
| Total risk-based capital ratio | 39.6992% | 268 |
| Memoranda: | ||
| Average total assets | $18,119,250 | 7,081 |
| Average earning assets | $17,103,500 | 7,048 |
| Average equity | $4,003,500 | 6,642 |
| Average total loans | $8,411,250 | 6,998 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6847% | 6,359 |
| Cost of funding earning assets | 0.3022% | 6,732 |
| Net interest margin | 3.3825% | 5,148 |
| Noninterest income to average assets | 0.1975% | 6,146 |
| Noninterest expense to average assets | 2.1505% | 6,120 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9436% | 2,692 |
| Return on assets (ROA) | 0.9436% | 2,950 |
| Pretax return on assets | 1.2399% | 2,765 |
| Return on Equity (ROE) | 4.3198% | 5,125 |
| Retained earnings to average equity (ytd only) | 4.3198% | 3,742 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4304% | 5,002 |
| Assets per employee ($millions) | 3.5722% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 5,030 |
| Loan loss allowance to noncurrent loans | 75.6944% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.8062% | 4,786 |
| Noncurrent loans to loans | 1.6803% | 3,378 |
| Net loans and leases to total assets | 47.3714% | 5,677 |
| Net loans and leases to deposits | 61.5704% | 5,061 |
| Net loans and leases to core deposits | 61.5704% | 5,430 |
| Total domestic deposits to total assets | 76.9386% | 6,331 |
| Equity capital to assets | 22.5351% | 142 |
| Core capital (leverage) ratio | 22.1012% | 133 |
| Tier 1 risk-based capital ratio | 37.9164% | 278 |
| Total risk-based capital ratio | 38.9450% | 275 |
| Memoranda: | ||
| Average total assets | $18,228,000 | 7,139 |
| Average earning assets | $17,206,330 | 7,106 |
| Average equity | $3,981,670 | 6,685 |
| Average total loans | $8,340,000 | 7,061 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6783% | 6,477 |
| Cost of funding earning assets | 0.3218% | 6,769 |
| Net interest margin | 3.3564% | 5,280 |
| Noninterest income to average assets | 0.1738% | 6,333 |
| Noninterest expense to average assets | 2.1943% | 6,053 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9125% | 2,857 |
| Return on assets (ROA) | 0.9125% | 3,076 |
| Pretax return on assets | 1.1515% | 3,105 |
| Return on Equity (ROE) | 4.2424% | 5,174 |
| Retained earnings to average equity (ytd only) | 4.2424% | 4,048 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5844% | 4,638 |
| Assets per employee ($millions) | 3.6770% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 4,877 |
| Loan loss allowance to noncurrent loans | 105.8252% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 5,482 |
| Noncurrent loans to loans | 1.2582% | 4,230 |
| Net loans and leases to total assets | 43.9326% | 6,022 |
| Net loans and leases to deposits | 56.3761% | 5,563 |
| Net loans and leases to core deposits | 56.3761% | 5,875 |
| Total domestic deposits to total assets | 77.9277% | 6,271 |
| Equity capital to assets | 21.6481% | 156 |
| Core capital (leverage) ratio | 21.8496% | 135 |
| Tier 1 risk-based capital ratio | 39.4834% | 237 |
| Total risk-based capital ratio | 40.5663% | 237 |
| Memoranda: | ||
| Average total assets | $18,411,500 | 7,196 |
| Average earning assets | $17,399,500 | 7,164 |
| Average equity | $3,960,000 | 6,726 |
| Average total loans | $8,225,000 | 7,128 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8975% | 6,618 |
| Cost of funding earning assets | 0.4409% | 6,764 |
| Net interest margin | 3.4566% | 5,299 |
| Noninterest income to average assets | 0.2141% | 5,989 |
| Noninterest expense to average assets | 2.2673% | 6,125 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8674% | 2,747 |
| Return on assets (ROA) | 0.8674% | 2,887 |
| Pretax return on assets | 1.1748% | 2,554 |
| Return on Equity (ROE) | 4.0306% | 4,829 |
| Retained earnings to average equity (ytd only) | 1.9898% | 4,799 |
| Net charge-offs to loans | 0.0122% | 6,259 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 214.0000% | 160 |
| Efficiency ratio | 65.8692% | 4,798 |
| Assets per employee ($millions) | 3.6876% | 4,579 |
| Cash dividends to net income (ytd only)* | 50.6329% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 4,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 44.2293% | 6,190 |
| Net loans and leases to deposits | 56.5260% | 5,834 |
| Net loans and leases to core deposits | 56.5260% | 6,121 |
| Total domestic deposits to total assets | 78.2460% | 6,147 |
| Equity capital to assets | 21.3689% | 177 |
| Core capital (leverage) ratio | 21.5759% | 148 |
| Tier 1 risk-based capital ratio | 38.7809% | 251 |
| Total risk-based capital ratio | 39.8560% | 252 |
| Memoranda: | ||
| Average total assets | $18,215,600 | 7,243 |
| Average earning assets | $17,010,800 | 7,207 |
| Average equity | $3,920,000 | 6,778 |
| Average total loans | $8,230,000 | 7,174 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9260% | 6,698 |
| Cost of funding earning assets | 0.4651% | 6,836 |
| Net interest margin | 3.4609% | 5,355 |
| Noninterest income to average assets | 0.2129% | 6,094 |
| Noninterest expense to average assets | 2.2173% | 6,234 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8884% | 2,783 |
| Return on assets (ROA) | 0.8884% | 2,939 |
| Pretax return on assets | 1.2188% | 2,569 |
| Return on Equity (ROE) | 4.1208% | 4,945 |
| Retained earnings to average equity (ytd only) | 4.1208% | 3,798 |
| Net charge-offs to loans | 0.0162% | 5,926 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 166.4135% | 233 |
| Efficiency ratio | 64.5299% | 4,977 |
| Assets per employee ($millions) | 3.5342% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 4,999 |
| Loan loss allowance to noncurrent loans | 454.1667% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 6,702 |
| Noncurrent loans to loans | 0.2868% | 6,279 |
| Net loans and leases to total assets | 46.7319% | 6,079 |
| Net loans and leases to deposits | 60.8145% | 5,539 |
| Net loans and leases to core deposits | 60.8145% | 5,922 |
| Total domestic deposits to total assets | 76.8434% | 6,403 |
| Equity capital to assets | 22.5511% | 153 |
| Core capital (leverage) ratio | 22.1980% | 149 |
| Tier 1 risk-based capital ratio | 38.6448% | 275 |
| Total risk-based capital ratio | 39.7045% | 272 |
| Memoranda: | ||
| Average total assets | $18,160,000 | 7,316 |
| Average earning assets | $16,912,500 | 7,282 |
| Average equity | $3,915,000 | 6,829 |
| Average total loans | $8,221,500 | 7,246 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 6,810 |
| Cost of funding earning assets | 0.4821% | 6,904 |
| Net interest margin | 3.4103% | 5,520 |
| Noninterest income to average assets | 0.2292% | 6,021 |
| Noninterest expense to average assets | 2.2704% | 6,199 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8405% | 2,902 |
| Return on assets (ROA) | 0.8405% | 3,001 |
| Pretax return on assets | 1.1243% | 2,758 |
| Return on Equity (ROE) | 3.9572% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.9572% | 3,676 |
| Net charge-offs to loans | 0.0245% | 5,489 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 357 |
| Efficiency ratio | 66.8810% | 4,713 |
| Assets per employee ($millions) | 3.7264% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 4,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 43.3394% | 6,492 |
| Net loans and leases to deposits | 55.2817% | 6,200 |
| Net loans and leases to core deposits | 55.2817% | 6,475 |
| Total domestic deposits to total assets | 78.3974% | 6,217 |
| Equity capital to assets | 21.1088% | 208 |
| Core capital (leverage) ratio | 21.4859% | 172 |
| Tier 1 risk-based capital ratio | 38.9715% | 259 |
| Total risk-based capital ratio | 40.0515% | 255 |
| Memoranda: | ||
| Average total assets | $18,323,000 | 7,384 |
| Average earning assets | $17,007,330 | 7,351 |
| Average equity | $3,891,670 | 6,878 |
| Average total loans | $8,173,000 | 7,316 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9946% | 6,709 |
| Cost of funding earning assets | 0.5023% | 6,961 |
| Net interest margin | 3.4923% | 5,045 |
| Noninterest income to average assets | 0.2422% | 5,962 |
| Noninterest expense to average assets | 2.4438% | 5,755 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7926% | 3,067 |
| Return on assets (ROA) | 0.7926% | 3,136 |
| Pretax return on assets | 1.0127% | 3,086 |
| Return on Equity (ROE) | 3.7200% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.7200% | 3,941 |
| Net charge-offs to loans | 0.0490% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 613 |
| Efficiency ratio | 70.7006% | 4,115 |
| Assets per employee ($millions) | 3.6932% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 4,896 |
| Loan loss allowance to noncurrent loans | 1,362.5000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 7,055 |
| Noncurrent loans to loans | 0.0992% | 6,793 |
| Net loans and leases to total assets | 43.0738% | 6,540 |
| Net loans and leases to deposits | 54.9044% | 6,220 |
| Net loans and leases to core deposits | 54.9044% | 6,493 |
| Total domestic deposits to total assets | 78.4523% | 6,306 |
| Equity capital to assets | 21.0549% | 204 |
| Core capital (leverage) ratio | 21.3298% | 175 |
| Tier 1 risk-based capital ratio | 41.0777% | 221 |
| Total risk-based capital ratio | 42.2293% | 216 |
| Memoranda: | ||
| Average total assets | $18,168,500 | 7,440 |
| Average earning assets | $16,722,500 | 7,415 |
| Average equity | $3,871,000 | 6,915 |
| Average total loans | $8,167,500 | 7,374 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 6,739 |
| Cost of funding earning assets | 0.7503% | 6,735 |
| Net interest margin | 3.5766% | 4,929 |
| Noninterest income to average assets | 0.2287% | 6,171 |
| Noninterest expense to average assets | 2.1212% | 6,794 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9777% | 2,116 |
| Return on assets (ROA) | 0.9777% | 2,227 |
| Pretax return on assets | 1.3779% | 1,716 |
| Return on Equity (ROE) | 4.4657% | 4,313 |
| Retained earnings to average equity (ytd only) | 2.3765% | 4,210 |
| Net charge-offs to loans | -0.0632% | 7,467 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6209% | 5,949 |
| Assets per employee ($millions) | 3.5742% | 4,764 |
| Cash dividends to net income (ytd only)* | 46.7836% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 4,853 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 7,088 |
| Noncurrent loans to loans | 0.1209% | 6,836 |
| Net loans and leases to total assets | 45.6718% | 6,586 |
| Net loans and leases to deposits | 58.6140% | 6,197 |
| Net loans and leases to core deposits | 58.6140% | 6,506 |
| Total domestic deposits to total assets | 77.9195% | 6,334 |
| Equity capital to assets | 21.5657% | 191 |
| Core capital (leverage) ratio | 21.5019% | 182 |
| Tier 1 risk-based capital ratio | 39.1945% | 252 |
| Total risk-based capital ratio | 40.3132% | 250 |
| Memoranda: | ||
| Average total assets | $17,489,800 | 7,521 |
| Average earning assets | $15,992,800 | 7,498 |
| Average equity | $3,829,200 | 7,050 |
| Average total loans | $7,916,800 | 7,471 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 6,926 |
| Cost of funding earning assets | 0.7791% | 6,821 |
| Net interest margin | 3.5521% | 5,102 |
| Noninterest income to average assets | 0.2300% | 6,251 |
| Noninterest expense to average assets | 2.1079% | 6,829 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9735% | 2,324 |
| Return on assets (ROA) | 0.9735% | 2,440 |
| Pretax return on assets | 1.3720% | 1,959 |
| Return on Equity (ROE) | 4.4292% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.4292% | 3,385 |
| Net charge-offs to loans | -0.1022% | 7,559 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5727% | 5,859 |
| Assets per employee ($millions) | 3.3708% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 4,846 |
| Loan loss allowance to noncurrent loans | 1,110.0000% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 7,197 |
| Noncurrent loans to loans | 0.1190% | 6,948 |
| Net loans and leases to total assets | 49.1871% | 6,412 |
| Net loans and leases to deposits | 64.5337% | 5,847 |
| Net loans and leases to core deposits | 64.5337% | 6,254 |
| Total domestic deposits to total assets | 76.2193% | 6,613 |
| Equity capital to assets | 23.0865% | 159 |
| Core capital (leverage) ratio | 22.7890% | 157 |
| Tier 1 risk-based capital ratio | 39.9610% | 246 |
| Total risk-based capital ratio | 41.1010% | 246 |
| Memoranda: | ||
| Average total assets | $17,394,500 | 7,620 |
| Average earning assets | $15,915,000 | 7,595 |
| Average equity | $3,823,000 | 7,140 |
| Average total loans | $7,828,000 | 7,570 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2608% | 7,102 |
| Cost of funding earning assets | 0.8068% | 6,890 |
| Net interest margin | 3.4540% | 5,431 |
| Noninterest income to average assets | 0.2162% | 6,375 |
| Noninterest expense to average assets | 2.0712% | 6,978 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9104% | 2,516 |
| Return on assets (ROA) | 0.9104% | 2,624 |
| Pretax return on assets | 1.2632% | 2,213 |
| Return on Equity (ROE) | 4.2102% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.2102% | 3,391 |
| Net charge-offs to loans | -0.0786% | 7,524 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1160% | 5,671 |
| Assets per employee ($millions) | 3.4182% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 4,568 |
| Loan loss allowance to noncurrent loans | 3,600.0000% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 7,362 |
| Noncurrent loans to loans | 0.0381% | 7,223 |
| Net loans and leases to total assets | 45.4333% | 6,811 |
| Net loans and leases to deposits | 59.0584% | 6,496 |
| Net loans and leases to core deposits | 59.0584% | 6,762 |
| Total domestic deposits to total assets | 76.9294% | 6,523 |
| Equity capital to assets | 22.4855% | 181 |
| Core capital (leverage) ratio | 22.0520% | 177 |
| Tier 1 risk-based capital ratio | 41.2915% | 227 |
| Total risk-based capital ratio | 42.4519% | 223 |
| Memoranda: | ||
| Average total assets | $17,574,670 | 7,679 |
| Average earning assets | $15,865,670 | 7,660 |
| Average equity | $3,800,330 | 7,179 |
| Average total loans | $7,637,000 | 7,638 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2185% | 7,236 |
| Cost of funding earning assets | 0.8237% | 7,019 |
| Net interest margin | 3.3948% | 5,601 |
| Noninterest income to average assets | 0.1796% | 6,670 |
| Noninterest expense to average assets | 2.0655% | 7,023 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8307% | 2,832 |
| Return on assets (ROA) | 0.8307% | 2,928 |
| Pretax return on assets | 1.1675% | 2,484 |
| Return on Equity (ROE) | 3.9164% | 4,928 |
| Retained earnings to average equity (ytd only) | 3.9164% | 3,789 |
| Net charge-offs to loans | -0.1596% | 7,628 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8889% | 5,515 |
| Assets per employee ($millions) | 3.5732% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 3,986 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 6,961 |
| Noncurrent loans to loans | 0.4949% | 6,306 |
| Net loans and leases to total assets | 40.1097% | 7,245 |
| Net loans and leases to deposits | 51.2553% | 7,067 |
| Net loans and leases to core deposits | 51.2553% | 7,236 |
| Total domestic deposits to total assets | 78.2548% | 6,252 |
| Equity capital to assets | 21.2415% | 234 |
| Core capital (leverage) ratio | 21.3827% | 203 |
| Tier 1 risk-based capital ratio | 42.6980% | 217 |
| Total risk-based capital ratio | 43.9131% | 213 |
| Memoranda: | ||
| Average total assets | $17,816,500 | 7,773 |
| Average earning assets | $16,024,500 | 7,754 |
| Average equity | $3,779,000 | 7,259 |
| Average total loans | $7,519,000 | 7,739 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 6,723 |
| Cost of funding earning assets | 1.1326% | 6,874 |
| Net interest margin | 3.7615% | 3,866 |
| Noninterest income to average assets | 0.2173% | 6,556 |
| Noninterest expense to average assets | 2.2287% | 6,918 |
| Loan and lease loss provision to assets | 0.1180% | 6,464 |
| Net operating income to assets | 0.9374% | 2,062 |
| Return on assets (ROA) | 0.9374% | 2,119 |
| Pretax return on assets | 1.2727% | 1,773 |
| Return on Equity (ROE) | 4.0265% | 4,086 |
| Retained earnings to average equity (ytd only) | 1.8932% | 3,770 |
| Net charge-offs to loans | 0.0131% | 7,038 |
| Credit loss provision to net charge-offs | 1,900.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 224.0000% | 128 |
| Efficiency ratio | 61.5780% | 6,227 |
| Assets per employee ($millions) | 3.5534% | 4,883 |
| Cash dividends to net income (ytd only)* | 52.9801% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 4,466 |
| Loan loss allowance to noncurrent loans | 10,500.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 7,526 |
| Noncurrent loans to loans | 0.0129% | 7,409 |
| Net loans and leases to total assets | 43.1080% | 7,170 |
| Net loans and leases to deposits | 55.1205% | 6,978 |
| Net loans and leases to core deposits | 62.0514% | 7,190 |
| Total domestic deposits to total assets | 78.2068% | 6,175 |
| Equity capital to assets | 21.1797% | 243 |
| Core capital (leverage) ratio | 21.8056% | 214 |
| Tier 1 risk-based capital ratio | 40.9601% | 236 |
| Total risk-based capital ratio | 42.1030% | 231 |
| Memoranda: | ||
| Average total assets | $16,107,800 | 7,874 |
| Average earning assets | $14,568,600 | 7,857 |
| Average equity | $3,750,200 | 7,372 |
| Average total loans | $7,616,400 | 7,796 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9902% | 6,630 |
| Cost of funding earning assets | 1.1703% | 6,971 |
| Net interest margin | 3.8199% | 3,572 |
| Noninterest income to average assets | 0.2209% | 6,648 |
| Noninterest expense to average assets | 2.2345% | 6,887 |
| Loan and lease loss provision to assets | 0.1614% | 5,736 |
| Net operating income to assets | 0.9346% | 2,289 |
| Return on assets (ROA) | 0.9346% | 2,357 |
| Pretax return on assets | 1.2914% | 1,973 |
| Return on Equity (ROE) | 3.9141% | 4,407 |
| Retained earnings to average equity (ytd only) | 3.9141% | 3,099 |
| Net charge-offs to loans | 0.0175% | 6,673 |
| Credit loss provision to net charge-offs | 1,900.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 171.4211% | 221 |
| Efficiency ratio | 60.5991% | 6,336 |
| Assets per employee ($millions) | 3.2478% | 5,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 4,412 |
| Loan loss allowance to noncurrent loans | 500.0000% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 7,223 |
| Noncurrent loans to loans | 0.2629% | 6,849 |
| Net loans and leases to total assets | 48.5375% | 6,905 |
| Net loans and leases to deposits | 64.0865% | 6,481 |
| Net loans and leases to core deposits | 71.7981% | 6,859 |
| Total domestic deposits to total assets | 75.7374% | 6,632 |
| Equity capital to assets | 23.4251% | 207 |
| Core capital (leverage) ratio | 23.9140% | 190 |
| Tier 1 risk-based capital ratio | 42.2761% | 243 |
| Total risk-based capital ratio | 43.4430% | 240 |
| Memoranda: | ||
| Average total assets | $15,693,000 | 7,962 |
| Average earning assets | $14,241,000 | 7,946 |
| Average equity | $3,747,000 | 7,435 |
| Average total loans | $7,579,500 | 7,878 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9986% | 6,774 |
| Cost of funding earning assets | 1.1786% | 7,171 |
| Net interest margin | 3.8199% | 3,460 |
| Noninterest income to average assets | 0.2192% | 6,734 |
| Noninterest expense to average assets | 2.2436% | 6,939 |
| Loan and lease loss provision to assets | 0.2450% | 4,621 |
| Net operating income to assets | 0.8510% | 2,648 |
| Return on assets (ROA) | 0.8510% | 2,750 |
| Pretax return on assets | 1.1991% | 2,303 |
| Return on Equity (ROE) | 3.5408% | 4,691 |
| Retained earnings to average equity (ytd only) | 3.5408% | 3,330 |
| Net charge-offs to loans | -0.0806% | 7,917 |
| Credit loss provision to net charge-offs | -633.3333% | 7,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8392% | 6,420 |
| Assets per employee ($millions) | 3.1024% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 3,490 |
| Loan loss allowance to noncurrent loans | 184.7458% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 6,507 |
| Noncurrent loans to loans | 0.7826% | 5,667 |
| Net loans and leases to total assets | 47.8984% | 7,044 |
| Net loans and leases to deposits | 63.8371% | 6,578 |
| Net loans and leases to core deposits | 69.5628% | 7,046 |
| Total domestic deposits to total assets | 75.0322% | 6,757 |
| Equity capital to assets | 24.2393% | 221 |
| Core capital (leverage) ratio | 23.9995% | 227 |
| Tier 1 risk-based capital ratio | 44.6026% | 224 |
| Total risk-based capital ratio | 45.8482% | 226 |
| Memoranda: | ||
| Average total assets | $15,511,000 | 8,056 |
| Average earning assets | $14,084,000 | 8,036 |
| Average equity | $3,728,000 | 7,502 |
| Average total loans | $7,443,670 | 7,968 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1060% | 6,624 |
| Cost of funding earning assets | 1.2116% | 7,276 |
| Net interest margin | 3.8944% | 3,063 |
| Noninterest income to average assets | 0.1805% | 7,006 |
| Noninterest expense to average assets | 2.2952% | 6,559 |
| Loan and lease loss provision to assets | 0.2321% | 4,128 |
| Net operating income to assets | 0.7995% | 3,133 |
| Return on assets (ROA) | 0.7995% | 3,294 |
| Pretax return on assets | 1.1347% | 2,851 |
| Return on Equity (ROE) | 3.3405% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.3405% | 4,019 |
| Net charge-offs to loans | -0.1622% | 7,984 |
| Credit loss provision to net charge-offs | -300.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6761% | 5,937 |
| Assets per employee ($millions) | 3.1142% | 5,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 3,775 |
| Loan loss allowance to noncurrent loans | 430.4348% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 7,131 |
| Noncurrent loans to loans | 0.3146% | 6,655 |
| Net loans and leases to total assets | 46.3169% | 7,168 |
| Net loans and leases to deposits | 61.4049% | 6,776 |
| Net loans and leases to core deposits | 66.8459% | 7,201 |
| Total domestic deposits to total assets | 75.4287% | 6,617 |
| Equity capital to assets | 23.9291% | 250 |
| Core capital (leverage) ratio | 24.1728% | 252 |
| Tier 1 risk-based capital ratio | 45.4058% | 246 |
| Total risk-based capital ratio | 46.6122% | 248 |
| Memoranda: | ||
| Average total assets | $15,510,500 | 8,101 |
| Average earning assets | $13,866,000 | 8,091 |
| Average equity | $3,712,000 | 7,552 |
| Average total loans | $7,396,000 | 8,017 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5445% | 7,202 |
| Cost of funding earning assets | 1.5923% | 7,466 |
| Net interest margin | 3.9522% | 3,351 |
| Noninterest income to average assets | 0.2527% | 6,644 |
| Noninterest expense to average assets | 2.4538% | 6,190 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0174% | 2,487 |
| Return on assets (ROA) | 1.0174% | 2,375 |
| Pretax return on assets | 1.4962% | 1,698 |
| Return on Equity (ROE) | 4.1535% | 4,759 |
| Retained earnings to average equity (ytd only) | 1.9818% | 3,999 |
| Net charge-offs to loans | 0.1894% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 16.0714% | 1,875 |
| Efficiency ratio | 62.1212% | 5,931 |
| Assets per employee ($millions) | 2.5750% | 7,059 |
| Cash dividends to net income (ytd only)* | 52.2876% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 4,829 |
| Loan loss allowance to noncurrent loans | 170.5882% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 6,286 |
| Noncurrent loans to loans | 0.6817% | 5,334 |
| Net loans and leases to total assets | 47.8576% | 7,200 |
| Net loans and leases to deposits | 63.4406% | 6,847 |
| Net loans and leases to core deposits | 69.0576% | 7,247 |
| Total domestic deposits to total assets | 75.4369% | 6,355 |
| Equity capital to assets | 23.9353% | 287 |
| Core capital (leverage) ratio | 24.1937% | 279 |
| Tier 1 risk-based capital ratio | 45.1968% | 260 |
| Total risk-based capital ratio | 46.2601% | 259 |
| Memoranda: | ||
| Average total assets | $15,038,200 | 8,160 |
| Average earning assets | $14,068,000 | 8,137 |
| Average equity | $3,683,600 | 7,615 |
| Average total loans | $7,391,200 | 8,061 |