Home > Portage Bank > Performance and Condition Ratios
Portage 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 | 7.4652% | 169 |
| Cost of funding earning assets | 2.5851% | 306 |
| Net interest margin | 4.8800% | 372 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 3.6980% | 467 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.0587% | 2,044 |
| Return on assets (ROA) | 1.0587% | 2,009 |
| Pretax return on assets | 1.3446% | 1,750 |
| Return on Equity (ROE) | 11.7900% | 2,008 |
| Retained earnings to average equity (ytd only) | 6.2688% | 2,144 |
| Net charge-offs to loans | 0.0303% | 1,697 |
| Credit loss provision to net charge-offs | 841.1765% | 472 |
| Earnings coverage of net charge-offs (x) | 62.3529% | 1,165 |
| Efficiency ratio | 70.4076% | 1,826 |
| Assets per employee ($millions) | 4.3145% | 4,042 |
| Cash dividends to net income (ytd only)* | 46.8144% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 2,302 |
| Loan loss allowance to noncurrent loans | 134.4609% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 707 |
| Noncurrent loans to loans | 0.8918% | 845 |
| Net loans and leases to total assets | 80.9700% | 537 |
| Net loans and leases to deposits | 103.4428% | 393 |
| Net loans and leases to core deposits | 177.2100% | 106 |
| Total domestic deposits to total assets | 78.2700% | 3,699 |
| Equity capital to assets | 10.4300% | 1,762 |
| Core capital (leverage) ratio | 10.6097% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4172% | 1,010 |
| Memoranda: | ||
| Average total assets | $68,199,200 | 4,133 |
| Average earning assets | $63,749,400 | 4,101 |
| Average equity | $6,125,600 | 4,152 |
| Average total loans | $56,028,800 | 3,760 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4308% | 151 |
| Cost of funding earning assets | 2.5164% | 267 |
| Net interest margin | 4.9144% | 348 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 3.6272% | 482 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.1100% | 2,022 |
| Return on assets (ROA) | 1.1100% | 2,002 |
| Pretax return on assets | 1.4150% | 1,744 |
| Return on Equity (ROE) | 12.8400% | 1,933 |
| Retained earnings to average equity (ytd only) | 6.2315% | 2,561 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.7775% | 1,933 |
| Assets per employee ($millions) | 5.2475% | 3,390 |
| Cash dividends to net income (ytd only)* | 51.4783% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 2,760 |
| Loan loss allowance to noncurrent loans | 2,739.1304% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 3,462 |
| Noncurrent loans to loans | 0.0409% | 3,471 |
| Net loans and leases to total assets | 81.5200% | 477 |
| Net loans and leases to deposits | 103.1497% | 381 |
| Net loans and leases to core deposits | 171.9800% | 68 |
| Total domestic deposits to total assets | 79.0300% | 3,692 |
| Equity capital to assets | 9.5636% | 2,063 |
| Core capital (leverage) ratio | 9.9673% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4409% | 1,215 |
| Memoranda: | ||
| Average total assets | $69,069,750 | 4,136 |
| Average earning assets | $64,217,250 | 4,117 |
| Average equity | $5,969,500 | 4,173 |
| Average total loans | $56,776,750 | 3,759 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2687% | 149 |
| Cost of funding earning assets | 2.3045% | 274 |
| Net interest margin | 4.9641% | 323 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 3.5182% | 529 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 1.1622% | 1,945 |
| Return on assets (ROA) | 1.1622% | 1,940 |
| Pretax return on assets | 1.4765% | 1,642 |
| Return on Equity (ROE) | 13.9300% | 1,694 |
| Retained earnings to average equity (ytd only) | 5.1516% | 2,907 |
| Net charge-offs to loans | -0.0035% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.7761% | 2,144 |
| Assets per employee ($millions) | 4.4381% | 3,987 |
| Cash dividends to net income (ytd only)* | 63.0273% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,105 |
| Loan loss allowance to noncurrent loans | 6,722.2222% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 3,720 |
| Noncurrent loans to loans | 0.0159% | 3,655 |
| Net loans and leases to total assets | 78.9900% | 737 |
| Net loans and leases to deposits | 104.9291% | 339 |
| Net loans and leases to core deposits | 155.3565% | 119 |
| Total domestic deposits to total assets | 75.2800% | 4,100 |
| Equity capital to assets | 9.0679% | 2,472 |
| Core capital (leverage) ratio | 9.9064% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9603% | 1,327 |
| Memoranda: | ||
| Average total assets | $69,354,000 | 4,154 |
| Average earning assets | $64,221,000 | 4,135 |
| Average equity | $5,784,667 | 4,219 |
| Average total loans | $56,956,333 | 3,767 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9233% | 122 |
| Cost of funding earning assets | 1.8982% | 365 |
| Net interest margin | 5.0251% | 291 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 3.6716% | 453 |
| Loan and lease loss provision to assets | 0.4100% | 197 |
| Net operating income to assets | 1.2667% | 1,763 |
| Return on assets (ROA) | 1.2667% | 1,728 |
| Pretax return on assets | 1.6169% | 1,422 |
| Return on Equity (ROE) | 15.9000% | 1,379 |
| Retained earnings to average equity (ytd only) | 15.9047% | 700 |
| Net charge-offs to loans | -0.0070% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.4467% | 2,398 |
| Assets per employee ($millions) | 5.0794% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 3,456 |
| Loan loss allowance to noncurrent loans | 58,100.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 3,914 |
| Noncurrent loans to loans | 0.0017% | 3,858 |
| Net loans and leases to total assets | 79.5800% | 580 |
| Net loans and leases to deposits | 110.1727% | 180 |
| Net loans and leases to core deposits | 146.8598% | 139 |
| Total domestic deposits to total assets | 72.2300% | 4,351 |
| Equity capital to assets | 7.8637% | 3,335 |
| Core capital (leverage) ratio | 8.8219% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3335% | 1,857 |
| Memoranda: | ||
| Average total assets | $68,526,500 | 4,215 |
| Average earning assets | $65,113,000 | 4,183 |
| Average equity | $5,457,500 | 4,303 |
| Average total loans | $57,085,500 | 3,807 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5562% | 64 |
| Cost of funding earning assets | 0.9995% | 159 |
| Net interest margin | 5.5567% | 78 |
| Noninterest income to average assets | 1.0500% | 591 |
| Noninterest expense to average assets | 4.1319% | 303 |
| Loan and lease loss provision to assets | 0.4100% | 166 |
| Net operating income to assets | 1.3905% | 1,156 |
| Return on assets (ROA) | 1.3905% | 1,105 |
| Pretax return on assets | 1.7835% | 770 |
| Return on Equity (ROE) | 15.0400% | 1,248 |
| Retained earnings to average equity (ytd only) | 15.0450% | 289 |
| Net charge-offs to loans | 0.0071% | 2,140 |
| Credit loss provision to net charge-offs | 7,266.6667% | 93 |
| Earnings coverage of net charge-offs (x) | 387.3333% | 398 |
| Efficiency ratio | 65.3031% | 2,320 |
| Assets per employee ($millions) | 4.1213% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 3,787 |
| Loan loss allowance to noncurrent loans | 51,000.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 3,938 |
| Noncurrent loans to loans | 0.0018% | 3,883 |
| Net loans and leases to total assets | 85.6700% | 176 |
| Net loans and leases to deposits | 122.5795% | 64 |
| Net loans and leases to core deposits | 162.3333% | 67 |
| Total domestic deposits to total assets | 69.8900% | 4,476 |
| Equity capital to assets | 8.0724% | 3,018 |
| Core capital (leverage) ratio | 9.2619% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4380% | 1,802 |
| Memoranda: | ||
| Average total assets | $52,930,200 | 4,410 |
| Average earning assets | $50,227,400 | 4,371 |
| Average equity | $4,892,000 | 4,441 |
| Average total loans | $42,305,600 | 4,023 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4968% | 55 |
| Cost of funding earning assets | 0.7357% | 217 |
| Net interest margin | 5.7611% | 58 |
| Noninterest income to average assets | 1.3400% | 413 |
| Noninterest expense to average assets | 4.1144% | 306 |
| Loan and lease loss provision to assets | 0.4800% | 108 |
| Net operating income to assets | 1.7123% | 517 |
| Return on assets (ROA) | 1.7123% | 504 |
| Pretax return on assets | 2.2062% | 318 |
| Return on Equity (ROE) | 17.7800% | 672 |
| Retained earnings to average equity (ytd only) | 17.7801% | 170 |
| Net charge-offs to loans | 0.0069% | 1,897 |
| Credit loss provision to net charge-offs | 9,000.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 501.0000% | 314 |
| Efficiency ratio | 60.4734% | 3,056 |
| Assets per employee ($millions) | 3.3538% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 3,590 |
| Loan loss allowance to noncurrent loans | 47,300.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,017 |
| Noncurrent loans to loans | 0.0021% | 3,963 |
| Net loans and leases to total assets | 79.4400% | 577 |
| Net loans and leases to deposits | 98.1639% | 451 |
| Net loans and leases to core deposits | 128.5064% | 162 |
| Total domestic deposits to total assets | 80.9200% | 3,994 |
| Equity capital to assets | 8.4480% | 2,583 |
| Core capital (leverage) ratio | 9.9734% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8486% | 1,471 |
| Memoranda: | ||
| Average total assets | $49,677,500 | 4,481 |
| Average earning assets | $47,119,500 | 4,441 |
| Average equity | $4,784,250 | 4,495 |
| Average total loans | $38,631,500 | 4,111 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3009% | 55 |
| Cost of funding earning assets | 0.6108% | 249 |
| Net interest margin | 5.6901% | 64 |
| Noninterest income to average assets | 1.6654% | 288 |
| Noninterest expense to average assets | 4.0422% | 274 |
| Loan and lease loss provision to assets | 0.6072% | 84 |
| Net operating income to assets | 1.8303% | 315 |
| Return on assets (ROA) | 1.8303% | 309 |
| Pretax return on assets | 2.3897% | 192 |
| Return on Equity (ROE) | 18.0380% | 469 |
| Retained earnings to average equity (ytd only) | 18.0380% | 115 |
| Net charge-offs to loans | 0.0226% | 1,275 |
| Credit loss provision to net charge-offs | 3,500.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 172.7500% | 588 |
| Efficiency ratio | 57.4245% | 3,633 |
| Assets per employee ($millions) | 3.1782% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 3,652 |
| 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 | 79.9630% | 409 |
| Net loans and leases to deposits | 91.7575% | 621 |
| Net loans and leases to core deposits | 109.2251% | 363 |
| Total domestic deposits to total assets | 87.1460% | 2,886 |
| Equity capital to assets | 9.1320% | 2,298 |
| Core capital (leverage) ratio | 10.3818% | 2,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4875% | 1,303 |
| Memoranda: | ||
| Average total assets | $46,113,667 | 4,558 |
| Average earning assets | $43,549,667 | 4,540 |
| Average equity | $4,679,000 | 4,554 |
| Average total loans | $35,365,667 | 4,224 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3712% | 104 |
| Cost of funding earning assets | 0.4727% | 572 |
| Net interest margin | 4.8985% | 104 |
| Noninterest income to average assets | 1.1292% | 535 |
| Noninterest expense to average assets | 4.0991% | 262 |
| Loan and lease loss provision to assets | 0.1328% | 613 |
| Net operating income to assets | 1.1386% | 1,408 |
| Return on assets (ROA) | 1.1386% | 1,407 |
| Pretax return on assets | 1.5182% | 981 |
| Return on Equity (ROE) | 10.5460% | 1,785 |
| Retained earnings to average equity (ytd only) | 10.5460% | 891 |
| Net charge-offs to loans | 0.0512% | 778 |
| Credit loss provision to net charge-offs | 350.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 977 |
| Efficiency ratio | 71.2871% | 2,070 |
| Assets per employee ($millions) | 2.7325% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 4,055 |
| Loan loss allowance to noncurrent loans | 30,500.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 4,089 |
| Noncurrent loans to loans | 0.0029% | 4,030 |
| Net loans and leases to total assets | 77.2530% | 433 |
| Net loans and leases to deposits | 86.9817% | 677 |
| Net loans and leases to core deposits | 111.1495% | 234 |
| Total domestic deposits to total assets | 88.8152% | 2,162 |
| Equity capital to assets | 10.8349% | 1,419 |
| Core capital (leverage) ratio | 12.2382% | 992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4789% | 1,149 |
| Memoranda: | ||
| Average total assets | $42,155,500 | 4,612 |
| Average earning assets | $39,767,500 | 4,594 |
| Average equity | $4,551,500 | 4,607 |
| Average total loans | $31,231,000 | 4,307 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2729% | 63 |
| Cost of funding earning assets | 0.5080% | 898 |
| Net interest margin | 5.7650% | 64 |
| Noninterest income to average assets | 2.5177% | 231 |
| Noninterest expense to average assets | 5.0651% | 176 |
| Loan and lease loss provision to assets | 0.3465% | 218 |
| Net operating income to assets | 2.0293% | 322 |
| Return on assets (ROA) | 2.0293% | 338 |
| Pretax return on assets | 2.5738% | 231 |
| Return on Equity (ROE) | 15.8792% | 777 |
| Retained earnings to average equity (ytd only) | 15.8792% | 180 |
| Net charge-offs to loans | -0.0171% | 3,921 |
| Credit loss provision to net charge-offs | -2,625.0000% | 4,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4298% | 2,656 |
| Assets per employee ($millions) | 2.8994% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 3,601 |
| Loan loss allowance to noncurrent loans | 4,214.2857% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 3,972 |
| Noncurrent loans to loans | 0.0247% | 3,893 |
| Net loans and leases to total assets | 69.1951% | 1,134 |
| Net loans and leases to deposits | 77.9610% | 1,402 |
| Net loans and leases to core deposits | 105.6458% | 375 |
| Total domestic deposits to total assets | 88.7561% | 1,640 |
| Equity capital to assets | 10.7561% | 1,969 |
| Core capital (leverage) ratio | 11.5430% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1652% | 1,014 |
| Memoranda: | ||
| Average total assets | $30,305,600 | 4,740 |
| Average earning assets | $28,742,600 | 4,722 |
| Average equity | $3,873,000 | 4,714 |
| Average total loans | $23,368,600 | 4,506 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5528% | 54 |
| Cost of funding earning assets | 0.5162% | 971 |
| Net interest margin | 6.0365% | 54 |
| Noninterest income to average assets | 2.9806% | 195 |
| Noninterest expense to average assets | 5.3026% | 154 |
| Loan and lease loss provision to assets | 0.3750% | 184 |
| Net operating income to assets | 2.1765% | 341 |
| Return on assets (ROA) | 2.1537% | 369 |
| Pretax return on assets | 2.9518% | 181 |
| Return on Equity (ROE) | 15.9296% | 966 |
| Retained earnings to average equity (ytd only) | 15.9296% | 307 |
| Net charge-offs to loans | -0.0241% | 4,047 |
| Credit loss provision to net charge-offs | -1,950.0000% | 3,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2438% | 2,796 |
| Assets per employee ($millions) | 2.0574% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,633 |
| Loan loss allowance to noncurrent loans | 8,933.3333% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 4,083 |
| Noncurrent loans to loans | 0.0118% | 4,116 |
| Net loans and leases to total assets | 76.2318% | 535 |
| Net loans and leases to deposits | 87.8334% | 726 |
| Net loans and leases to core deposits | 131.1830% | 112 |
| Total domestic deposits to total assets | 86.7914% | 2,433 |
| Equity capital to assets | 12.8228% | 1,045 |
| Core capital (leverage) ratio | 13.4013% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8070% | 714 |
| Memoranda: | ||
| Average total assets | $27,734,250 | 4,828 |
| Average earning assets | $26,085,000 | 4,807 |
| Average equity | $3,749,750 | 4,794 |
| Average total loans | $22,115,250 | 4,592 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8968% | 47 |
| Cost of funding earning assets | 0.5205% | 1,086 |
| Net interest margin | 6.3763% | 49 |
| Noninterest income to average assets | 2.9377% | 191 |
| Noninterest expense to average assets | 5.5064% | 145 |
| Loan and lease loss provision to assets | 0.4614% | 121 |
| Net operating income to assets | 2.1667% | 363 |
| Return on assets (ROA) | 2.1303% | 401 |
| Pretax return on assets | 2.9531% | 196 |
| Return on Equity (ROE) | 15.4203% | 1,062 |
| Retained earnings to average equity (ytd only) | 15.4203% | 379 |
| Net charge-offs to loans | -0.0095% | 3,648 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4065% | 2,812 |
| Assets per employee ($millions) | 1.9099% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 3,867 |
| Loan loss allowance to noncurrent loans | 2,744.4444% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 3,843 |
| Noncurrent loans to loans | 0.0359% | 4,017 |
| Net loans and leases to total assets | 81.1670% | 252 |
| Net loans and leases to deposits | 94.0862% | 458 |
| Net loans and leases to core deposits | 146.4341% | 77 |
| Total domestic deposits to total assets | 86.2687% | 2,639 |
| Equity capital to assets | 13.2306% | 883 |
| Core capital (leverage) ratio | 13.7976% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1321% | 1,093 |
| Memoranda: | ||
| Average total assets | $26,006,333 | 4,876 |
| Average earning assets | $24,591,000 | 4,855 |
| Average equity | $3,592,667 | 4,838 |
| Average total loans | $21,033,000 | 4,647 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4185% | 69 |
| Cost of funding earning assets | 0.5409% | 1,162 |
| Net interest margin | 5.8776% | 74 |
| Noninterest income to average assets | 2.7138% | 233 |
| Noninterest expense to average assets | 5.5625% | 140 |
| Loan and lease loss provision to assets | 0.3034% | 306 |
| Net operating income to assets | 1.7362% | 887 |
| Return on assets (ROA) | 1.7362% | 936 |
| Pretax return on assets | 2.3430% | 561 |
| Return on Equity (ROE) | 12.2346% | 1,929 |
| Retained earnings to average equity (ytd only) | 12.2346% | 1,089 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7618% | 1,963 |
| Assets per employee ($millions) | 1.7213% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 3,895 |
| Loan loss allowance to noncurrent loans | 5,100.0000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 1.2820% | 552 |
| Noncurrent loans to loans | 0.0193% | 4,189 |
| Net loans and leases to total assets | 79.3950% | 374 |
| Net loans and leases to deposits | 92.6048% | 561 |
| Net loans and leases to core deposits | 126.6856% | 176 |
| Total domestic deposits to total assets | 85.7353% | 2,841 |
| Equity capital to assets | 13.1880% | 863 |
| Core capital (leverage) ratio | 13.4733% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2948% | 877 |
| Memoranda: | ||
| Average total assets | $23,730,500 | 4,915 |
| Average earning assets | $22,186,000 | 4,899 |
| Average equity | $3,367,500 | 4,877 |
| Average total loans | $19,024,500 | 4,712 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5902% | 162 |
| Cost of funding earning assets | 0.5807% | 2,443 |
| Net interest margin | 5.0095% | 123 |
| Noninterest income to average assets | 3.2962% | 170 |
| Noninterest expense to average assets | 6.1630% | 123 |
| Loan and lease loss provision to assets | 0.4294% | 673 |
| Net operating income to assets | 0.8299% | 2,981 |
| Return on assets (ROA) | 0.8299% | 3,107 |
| Pretax return on assets | 1.2593% | 2,121 |
| Return on Equity (ROE) | 6.3297% | 3,476 |
| Retained earnings to average equity (ytd only) | 6.3297% | 1,655 |
| Net charge-offs to loans | -0.0307% | 4,544 |
| Credit loss provision to net charge-offs | -1,850.0000% | 4,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4922% | 997 |
| Assets per employee ($millions) | 1.8035% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 3,588 |
| Loan loss allowance to noncurrent loans | 59.6154% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.4832% | 496 |
| Noncurrent loans to loans | 1.7987% | 693 |
| Net loans and leases to total assets | 79.2903% | 479 |
| Net loans and leases to deposits | 96.1991% | 544 |
| Net loans and leases to core deposits | 144.5418% | 104 |
| Total domestic deposits to total assets | 82.4231% | 3,558 |
| Equity capital to assets | 15.3867% | 502 |
| Core capital (leverage) ratio | 16.9737% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4439% | 474 |
| Memoranda: | ||
| Average total assets | $17,232,000 | 4,974 |
| Average earning assets | $15,670,200 | 4,962 |
| Average equity | $2,259,200 | 4,954 |
| Average total loans | $13,035,000 | 4,840 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1949% | 417 |
| Cost of funding earning assets | 0.6300% | 2,430 |
| Net interest margin | 4.5649% | 335 |
| Noninterest income to average assets | 3.7942% | 140 |
| Noninterest expense to average assets | 6.1583% | 125 |
| Loan and lease loss provision to assets | 0.3224% | 1,221 |
| Net operating income to assets | 1.0498% | 2,146 |
| Return on assets (ROA) | 1.0498% | 2,278 |
| Pretax return on assets | 1.4466% | 1,585 |
| Return on Equity (ROE) | 8.5026% | 2,597 |
| Retained earnings to average equity (ytd only) | 8.5026% | 1,141 |
| Net charge-offs to loans | -0.0335% | 4,560 |
| Credit loss provision to net charge-offs | -1,300.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6851% | 1,065 |
| Assets per employee ($millions) | 1.4943% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,441 |
| Loan loss allowance to noncurrent loans | 49.8339% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.8850% | 380 |
| Noncurrent loans to loans | 2.1142% | 561 |
| Net loans and leases to total assets | 78.5623% | 764 |
| Net loans and leases to deposits | 90.6791% | 1,202 |
| Net loans and leases to core deposits | 149.8139% | 117 |
| Total domestic deposits to total assets | 86.6377% | 1,802 |
| Equity capital to assets | 11.6168% | 1,926 |
| Core capital (leverage) ratio | 11.2010% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6313% | 2,352 |
| Memoranda: | ||
| Average total assets | $16,129,500 | 5,011 |
| Average earning assets | $14,603,750 | 4,998 |
| Average equity | $1,991,500 | 5,004 |
| Average total loans | $11,957,250 | 4,890 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3119% | 50 |
| Cost of funding earning assets | 0.6674% | 2,578 |
| Net interest margin | 6.6446% | 41 |
| Noninterest income to average assets | 1.6485% | 386 |
| Noninterest expense to average assets | 6.0661% | 133 |
| Loan and lease loss provision to assets | 0.3477% | 1,215 |
| Net operating income to assets | 0.8758% | 2,789 |
| Return on assets (ROA) | 0.8758% | 2,902 |
| Pretax return on assets | 1.1334% | 2,602 |
| Return on Equity (ROE) | 6.9352% | 3,155 |
| Retained earnings to average equity (ytd only) | 6.9352% | 1,687 |
| Net charge-offs to loans | -0.0179% | 4,373 |
| Credit loss provision to net charge-offs | -2,700.0000% | 3,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3754% | 867 |
| Assets per employee ($millions) | 1.6548% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 3,442 |
| Loan loss allowance to noncurrent loans | 4,566.6667% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.4450% | 2,537 |
| Noncurrent loans to loans | 0.0224% | 4,394 |
| Net loans and leases to total assets | 72.6858% | 1,593 |
| Net loans and leases to deposits | 83.1929% | 2,077 |
| Net loans and leases to core deposits | 241.4416% | 25 |
| Total domestic deposits to total assets | 87.3702% | 1,462 |
| Equity capital to assets | 11.1410% | 2,218 |
| Core capital (leverage) ratio | 11.8601% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,529,000 | 5,043 |
| Average earning assets | $13,785,667 | 5,035 |
| Average equity | $1,961,000 | 5,035 |
| Average total loans | $11,197,333 | 4,938 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2539% | 37 |
| Cost of funding earning assets | 0.6566% | 3,138 |
| Net interest margin | 7.5973% | 28 |
| Noninterest income to average assets | 0.3946% | 3,144 |
| Noninterest expense to average assets | 6.1443% | 143 |
| Loan and lease loss provision to assets | 0.3664% | 839 |
| Net operating income to assets | 0.5073% | 3,872 |
| Return on assets (ROA) | 0.5073% | 3,932 |
| Pretax return on assets | 0.7328% | 3,586 |
| Return on Equity (ROE) | 3.7354% | 4,029 |
| Retained earnings to average equity (ytd only) | 3.7354% | 2,791 |
| Net charge-offs to loans | -0.0396% | 4,560 |
| Credit loss provision to net charge-offs | -1,300.0000% | 3,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8249% | 781 |
| Assets per employee ($millions) | 1.9615% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 3,638 |
| Loan loss allowance to noncurrent loans | 58.3732% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 2.1285% | 363 |
| Noncurrent loans to loans | 1.7343% | 869 |
| Net loans and leases to total assets | 76.0196% | 1,303 |
| Net loans and leases to deposits | 91.3890% | 1,356 |
| Net loans and leases to core deposits | 174.5537% | 59 |
| Total domestic deposits to total assets | 83.1825% | 3,045 |
| Equity capital to assets | 12.6051% | 1,674 |
| Core capital (leverage) ratio | 13.5202% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,192,000 | 5,097 |
| Average earning assets | $12,794,000 | 5,087 |
| Average equity | $1,927,500 | 5,085 |
| Average total loans | $10,112,000 | 4,997 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7616% | 355 |
| Cost of funding earning assets | 0.5604% | 3,823 |
| Net interest margin | 5.2012% | 194 |
| Noninterest income to average assets | 0.3351% | 3,706 |
| Noninterest expense to average assets | 5.6339% | 154 |
| Loan and lease loss provision to assets | -0.0390% | 4,993 |
| Net operating income to assets | -0.4520% | 5,046 |
| Return on assets (ROA) | -0.4520% | 5,055 |
| Pretax return on assets | -0.6312% | 5,066 |
| Return on Equity (ROE) | -3.4743% | 5,057 |
| Retained earnings to average equity (ytd only) | -3.4743% | 4,929 |
| Net charge-offs to loans | 0.0636% | 2,190 |
| Credit loss provision to net charge-offs | -166.6667% | 4,277 |
| Earnings coverage of net charge-offs (x) | -28.6667% | 3,706 |
| Efficiency ratio | 113.5008% | 91 |
| Assets per employee ($millions) | 1.5865% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 1,829 |
| Loan loss allowance to noncurrent loans | 67.5000% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 2.2376% | 317 |
| Noncurrent loans to loans | 1.9577% | 662 |
| Net loans and leases to total assets | 63.5440% | 3,252 |
| Net loans and leases to deposits | 75.5858% | 3,218 |
| Net loans and leases to core deposits | 91.2847% | 2,299 |
| Total domestic deposits to total assets | 84.0687% | 2,829 |
| Equity capital to assets | 14.7888% | 851 |
| Core capital (leverage) ratio | 13.5525% | 1,038 |
| Tier 1 risk-based capital ratio | 17.8711% | 1,793 |
| Total risk-based capital ratio | 17.8711% | 2,114 |
| Memoranda: | ||
| Average total assets | $12,833,000 | 5,165 |
| Average earning assets | $11,420,400 | 5,155 |
| Average equity | $1,669,400 | 5,152 |
| Average total loans | $4,719,000 | 5,125 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5507% | 2,889 |
| Cost of funding earning assets | 0.5340% | 4,001 |
| Net interest margin | 4.0167% | 1,881 |
| Noninterest income to average assets | 0.2383% | 4,310 |
| Noninterest expense to average assets | 5.1909% | 189 |
| Loan and lease loss provision to assets | -0.0518% | 5,127 |
| Net operating income to assets | -0.9429% | 5,171 |
| Return on assets (ROA) | -0.9429% | 5,176 |
| Pretax return on assets | -1.3159% | 5,189 |
| Return on Equity (ROE) | -7.5011% | 5,186 |
| Retained earnings to average equity (ytd only) | -7.5011% | 5,117 |
| Net charge-offs to loans | 0.1382% | 1,159 |
| Credit loss provision to net charge-offs | -125.0000% | 4,098 |
| Earnings coverage of net charge-offs (x) | -33.0206% | 3,444 |
| Efficiency ratio | 135.7724% | 56 |
| Assets per employee ($millions) | 2.0250% | 5,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9802% | 487 |
| Loan loss allowance to noncurrent loans | 82.1705% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 2.0317% | 426 |
| Noncurrent loans to loans | 2.4099% | 498 |
| Net loans and leases to total assets | 37.0159% | 4,902 |
| Net loans and leases to deposits | 43.1674% | 4,929 |
| Net loans and leases to core deposits | 50.8381% | 4,817 |
| Total domestic deposits to total assets | 85.7496% | 2,102 |
| Equity capital to assets | 12.9947% | 1,631 |
| Core capital (leverage) ratio | 13.2939% | 1,216 |
| Tier 1 risk-based capital ratio | 29.4956% | 499 |
| Total risk-based capital ratio | 30.7446% | 491 |
| Memoranda: | ||
| Average total assets | $12,868,250 | 5,241 |
| Average earning assets | $11,485,000 | 5,233 |
| Average equity | $1,617,500 | 5,231 |
| Average total loans | $3,855,500 | 5,213 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5561% | 4,965 |
| Cost of funding earning assets | 0.4874% | 4,175 |
| Net interest margin | 3.0687% | 4,589 |
| Noninterest income to average assets | 0.2413% | 4,306 |
| Noninterest expense to average assets | 5.2121% | 190 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -1.5926% | 5,251 |
| Return on assets (ROA) | -1.5926% | 5,251 |
| Pretax return on assets | -2.2360% | 5,258 |
| Return on Equity (ROE) | -12.8349% | 5,256 |
| Retained earnings to average equity (ytd only) | -12.8349% | 5,207 |
| Net charge-offs to loans | -0.1788% | 5,115 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.1351% | 32 |
| Assets per employee ($millions) | 1.7164% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0649% | 122 |
| Loan loss allowance to noncurrent loans | 56.7308% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 3.0545% | 191 |
| Noncurrent loans to loans | 5.4026% | 87 |
| Net loans and leases to total assets | 31.0612% | 5,084 |
| Net loans and leases to deposits | 36.7793% | 5,098 |
| Net loans and leases to core deposits | 38.0273% | 5,106 |
| Total domestic deposits to total assets | 84.4528% | 2,705 |
| Equity capital to assets | 14.4320% | 969 |
| Core capital (leverage) ratio | 14.2200% | 899 |
| Tier 1 risk-based capital ratio | 36.2951% | 304 |
| Total risk-based capital ratio | 37.5524% | 296 |
| Memoranda: | ||
| Average total assets | $12,432,670 | 5,291 |
| Average earning assets | $11,079,670 | 5,280 |
| Average equity | $1,542,670 | 5,283 |
| Average total loans | $3,356,330 | 5,265 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1892% | 5,213 |
| Cost of funding earning assets | 0.5315% | 3,910 |
| Net interest margin | 2.6577% | 5,095 |
| Noninterest income to average assets | 0.1582% | 4,788 |
| Noninterest expense to average assets | 3.3540% | 1,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.6012% | 5,260 |
| Return on assets (ROA) | -0.6012% | 5,256 |
| Pretax return on assets | -0.8227% | 5,267 |
| Return on Equity (ROE) | -5.2522% | 5,260 |
| Retained earnings to average equity (ytd only) | -5.2522% | 4,936 |
| Net charge-offs to loans | -0.2573% | 5,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.5000% | 54 |
| Assets per employee ($millions) | 2.7020% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8793% | 68 |
| Loan loss allowance to noncurrent loans | 55.9809% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 2.7239% | 254 |
| Noncurrent loans to loans | 6.9297% | 54 |
| Net loans and leases to total assets | 21.4582% | 5,253 |
| Net loans and leases to deposits | 24.6892% | 5,257 |
| Net loans and leases to core deposits | 27.8482% | 5,245 |
| Total domestic deposits to total assets | 86.9134% | 1,858 |
| Equity capital to assets | 12.1762% | 1,916 |
| Core capital (leverage) ratio | 13.1728% | 1,194 |
| Tier 1 risk-based capital ratio | 38.1050% | 259 |
| Total risk-based capital ratio | 39.3607% | 253 |
| Memoranda: | ||
| Average total assets | $12,641,500 | 5,348 |
| Average earning assets | $11,288,000 | 5,338 |
| Average equity | $1,447,000 | 5,344 |
| Average total loans | $3,109,500 | 5,326 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2220% | 5,132 |
| Cost of funding earning assets | 0.5001% | 3,356 |
| Net interest margin | 2.7218% | 5,081 |
| Noninterest income to average assets | 0.2141% | 4,627 |
| Noninterest expense to average assets | 2.3890% | 3,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1713% | 5,131 |
| Return on assets (ROA) | 0.1713% | 5,124 |
| Pretax return on assets | 0.2483% | 5,086 |
| Return on Equity (ROE) | 1.6197% | 5,090 |
| Retained earnings to average equity (ytd only) | 1.6197% | 4,493 |
| Net charge-offs to loans | 0.2444% | 794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 3.6250% | 3,391 |
| Efficiency ratio | 90.5844% | 322 |
| Assets per employee ($millions) | 3.9243% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5904% | 77 |
| Loan loss allowance to noncurrent loans | 51.8018% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 3.2362% | 176 |
| Noncurrent loans to loans | 6.9310% | 55 |
| Net loans and leases to total assets | 26.2295% | 5,252 |
| Net loans and leases to deposits | 29.5248% | 5,276 |
| Net loans and leases to core deposits | 32.6462% | 5,253 |
| Total domestic deposits to total assets | 88.8389% | 930 |
| Equity capital to assets | 10.6090% | 3,071 |
| Core capital (leverage) ratio | 10.9456% | 2,574 |
| Tier 1 risk-based capital ratio | 33.0070% | 366 |
| Total risk-based capital ratio | 34.2620% | 360 |
| Memoranda: | ||
| Average total assets | $11,678,600 | 5,396 |
| Average earning assets | $10,397,400 | 5,384 |
| Average equity | $1,234,800 | 5,392 |
| Average total loans | $3,273,600 | 5,371 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2014% | 5,198 |
| Cost of funding earning assets | 0.4886% | 3,268 |
| Net interest margin | 2.7129% | 5,159 |
| Noninterest income to average assets | 0.2059% | 4,731 |
| Noninterest expense to average assets | 2.3109% | 4,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2402% | 5,168 |
| Return on assets (ROA) | 0.2402% | 5,161 |
| Pretax return on assets | 0.3089% | 5,128 |
| Return on Equity (ROE) | 2.2741% | 5,098 |
| Retained earnings to average equity (ytd only) | 2.2741% | 4,476 |
| Net charge-offs to loans | 0.3242% | 517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3.3739% | 3,166 |
| Efficiency ratio | 88.2096% | 396 |
| Assets per employee ($millions) | 3.9623% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4649% | 86 |
| Loan loss allowance to noncurrent loans | 47.1311% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 3.3903% | 181 |
| Noncurrent loans to loans | 7.3516% | 52 |
| Net loans and leases to total assets | 26.9538% | 5,312 |
| Net loans and leases to deposits | 30.2179% | 5,338 |
| Net loans and leases to core deposits | 34.9134% | 5,310 |
| Total domestic deposits to total assets | 89.1983% | 776 |
| Equity capital to assets | 10.3306% | 3,301 |
| Core capital (leverage) ratio | 11.1419% | 2,463 |
| Tier 1 risk-based capital ratio | 33.0012% | 371 |
| Total risk-based capital ratio | 34.2715% | 365 |
| Memoranda: | ||
| Average total assets | $11,655,000 | 5,467 |
| Average earning assets | $10,370,000 | 5,456 |
| Average equity | $1,231,250 | 5,462 |
| Average total loans | $3,291,250 | 5,441 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1620% | 5,258 |
| Cost of funding earning assets | 0.4656% | 3,253 |
| Net interest margin | 2.6964% | 5,220 |
| Noninterest income to average assets | 0.2073% | 4,771 |
| Noninterest expense to average assets | 2.4530% | 3,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1036% | 5,290 |
| Return on assets (ROA) | 0.1036% | 5,283 |
| Pretax return on assets | 0.1555% | 5,265 |
| Return on Equity (ROE) | 0.9738% | 5,275 |
| Retained earnings to average equity (ytd only) | 0.9738% | 4,764 |
| Net charge-offs to loans | 0.5484% | 266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,093 |
| Efficiency ratio | 94.0397% | 260 |
| Assets per employee ($millions) | 3.8853% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4514% | 85 |
| Loan loss allowance to noncurrent loans | 54.8077% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 3.1486% | 222 |
| Noncurrent loans to loans | 6.2973% | 81 |
| Net loans and leases to total assets | 27.3593% | 5,365 |
| Net loans and leases to deposits | 30.7107% | 5,390 |
| Net loans and leases to core deposits | 35.5995% | 5,347 |
| Total domestic deposits to total assets | 89.0872% | 898 |
| Equity capital to assets | 10.4581% | 3,166 |
| Core capital (leverage) ratio | 11.2757% | 2,280 |
| Tier 1 risk-based capital ratio | 34.1775% | 344 |
| Total risk-based capital ratio | 35.4569% | 339 |
| Memoranda: | ||
| Average total assets | $11,577,670 | 5,531 |
| Average earning assets | $10,310,000 | 5,520 |
| Average equity | $1,232,330 | 5,526 |
| Average total loans | $3,282,000 | 5,504 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2163% | 5,217 |
| Cost of funding earning assets | 0.5038% | 2,767 |
| Net interest margin | 2.7125% | 5,248 |
| Noninterest income to average assets | 0.2427% | 4,551 |
| Noninterest expense to average assets | 2.2533% | 4,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3120% | 5,073 |
| Return on assets (ROA) | 0.3120% | 5,080 |
| Pretax return on assets | 0.4160% | 5,015 |
| Return on Equity (ROE) | 2.9056% | 5,039 |
| Retained earnings to average equity (ytd only) | 2.9056% | 4,033 |
| Net charge-offs to loans | -0.1223% | 5,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4156% | 770 |
| Assets per employee ($millions) | 3.8250% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8750% | 68 |
| Loan loss allowance to noncurrent loans | 56.8807% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 3.3290% | 217 |
| Noncurrent loans to loans | 6.8125% | 78 |
| Net loans and leases to total assets | 26.8061% | 5,430 |
| Net loans and leases to deposits | 30.1539% | 5,449 |
| Net loans and leases to core deposits | 35.0541% | 5,406 |
| Total domestic deposits to total assets | 88.8976% | 1,149 |
| Equity capital to assets | 10.6754% | 2,888 |
| Core capital (leverage) ratio | 11.0688% | 2,361 |
| Tier 1 risk-based capital ratio | 29.6355% | 486 |
| Total risk-based capital ratio | 30.9033% | 476 |
| Memoranda: | ||
| Average total assets | $11,538,500 | 5,594 |
| Average earning assets | $10,322,500 | 5,582 |
| Average equity | $1,239,000 | 5,588 |
| Average total loans | $3,271,500 | 5,567 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9412% | 5,393 |
| Cost of funding earning assets | 0.4136% | 3,118 |
| Net interest margin | 2.5276% | 5,393 |
| Noninterest income to average assets | 0.2675% | 4,521 |
| Noninterest expense to average assets | 2.3822% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0956% | 5,264 |
| Return on assets (ROA) | 0.1170% | 5,245 |
| Pretax return on assets | 0.2173% | 5,295 |
| Return on Equity (ROE) | 1.1104% | 5,224 |
| Retained earnings to average equity (ytd only) | 1.1104% | 4,584 |
| Net charge-offs to loans | 0.9607% | 192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 0.6875% | 3,975 |
| Efficiency ratio | 92.8339% | 326 |
| Assets per employee ($millions) | 3.8673% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6793% | 79 |
| Loan loss allowance to noncurrent loans | 56.9444% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 3.2753% | 228 |
| Noncurrent loans to loans | 6.4613% | 73 |
| Net loans and leases to total assets | 27.7538% | 5,474 |
| Net loans and leases to deposits | 31.2956% | 5,499 |
| Net loans and leases to core deposits | 36.3267% | 5,454 |
| Total domestic deposits to total assets | 88.6830% | 1,157 |
| Equity capital to assets | 10.7999% | 2,836 |
| Core capital (leverage) ratio | 10.5250% | 2,822 |
| Tier 1 risk-based capital ratio | 27.6417% | 561 |
| Total risk-based capital ratio | 28.8992% | 548 |
| Memoranda: | ||
| Average total assets | $11,963,600 | 5,655 |
| Average earning assets | $10,880,000 | 5,645 |
| Average equity | $1,260,800 | 5,653 |
| Average total loans | $3,331,000 | 5,636 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9030% | 5,478 |
| Cost of funding earning assets | 0.4008% | 3,185 |
| Net interest margin | 2.5022% | 5,470 |
| Noninterest income to average assets | 0.2323% | 4,823 |
| Noninterest expense to average assets | 2.3339% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1239% | 5,421 |
| Return on assets (ROA) | 0.1549% | 5,404 |
| Pretax return on assets | 0.2213% | 5,368 |
| Return on Equity (ROE) | 1.4785% | 5,378 |
| Retained earnings to average equity (ytd only) | 1.4785% | 4,829 |
| Net charge-offs to loans | 1.2822% | 131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 0.4999% | 3,660 |
| Efficiency ratio | 92.9515% | 318 |
| Assets per employee ($millions) | 3.9737% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6564% | 89 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 3.5064% | 218 |
| Noncurrent loans to loans | 7.3127% | 65 |
| Net loans and leases to total assets | 27.1873% | 5,546 |
| Net loans and leases to deposits | 30.6072% | 5,577 |
| Net loans and leases to core deposits | 35.3667% | 5,531 |
| Total domestic deposits to total assets | 88.8264% | 962 |
| Equity capital to assets | 10.7122% | 3,153 |
| Core capital (leverage) ratio | 10.5733% | 2,904 |
| Tier 1 risk-based capital ratio | 28.1064% | 559 |
| Total risk-based capital ratio | 29.3820% | 549 |
| Memoranda: | ||
| Average total assets | $12,054,000 | 5,719 |
| Average earning assets | $10,976,750 | 5,708 |
| Average equity | $1,262,750 | 5,721 |
| Average total loans | $3,328,000 | 5,698 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8009% | 5,557 |
| Cost of funding earning assets | 0.3975% | 3,101 |
| Net interest margin | 2.4033% | 5,567 |
| Noninterest income to average assets | 0.1818% | 5,142 |
| Noninterest expense to average assets | 2.0995% | 4,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2030% | 5,395 |
| Return on assets (ROA) | 0.2149% | 5,387 |
| Pretax return on assets | 0.2976% | 5,342 |
| Return on Equity (ROE) | 2.0668% | 5,335 |
| Retained earnings to average equity (ytd only) | 2.0668% | 4,428 |
| Net charge-offs to loans | 1.9903% | 81 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.5152% | 3,369 |
| Efficiency ratio | 88.1944% | 536 |
| Assets per employee ($millions) | 3.9587% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6213% | 86 |
| Loan loss allowance to noncurrent loans | 49.1935% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 4.0923% | 163 |
| Noncurrent loans to loans | 7.3612% | 60 |
| Net loans and leases to total assets | 27.3409% | 5,580 |
| Net loans and leases to deposits | 30.7948% | 5,621 |
| Net loans and leases to core deposits | 35.6070% | 5,572 |
| Total domestic deposits to total assets | 88.7841% | 1,065 |
| Equity capital to assets | 10.7612% | 3,070 |
| Core capital (leverage) ratio | 10.7585% | 2,641 |
| Tier 1 risk-based capital ratio | 28.3874% | 530 |
| Total risk-based capital ratio | 29.6535% | 519 |
| Memoranda: | ||
| Average total assets | $12,098,330 | 5,768 |
| Average earning assets | $11,068,000 | 5,758 |
| Average equity | $1,258,000 | 5,771 |
| Average total loans | $3,316,000 | 5,748 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7656% | 5,614 |
| Cost of funding earning assets | 0.3951% | 3,039 |
| Net interest margin | 2.3705% | 5,629 |
| Noninterest income to average assets | 0.1966% | 5,091 |
| Noninterest expense to average assets | 1.9984% | 5,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2401% | 5,323 |
| Return on assets (ROA) | 0.2621% | 5,301 |
| Pretax return on assets | 0.3931% | 5,166 |
| Return on Equity (ROE) | 2.5641% | 5,209 |
| Retained earnings to average equity (ytd only) | 2.5641% | 4,112 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7222% | 909 |
| Assets per employee ($millions) | 4.0403% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6255% | 59 |
| Loan loss allowance to noncurrent loans | 35.7143% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 5.0986% | 112 |
| Noncurrent loans to loans | 12.9514% | 18 |
| Net loans and leases to total assets | 26.3675% | 5,665 |
| Net loans and leases to deposits | 29.5625% | 5,684 |
| Net loans and leases to core deposits | 34.0507% | 5,644 |
| Total domestic deposits to total assets | 89.1923% | 1,055 |
| Equity capital to assets | 10.4364% | 3,254 |
| Core capital (leverage) ratio | 10.2230% | 3,215 |
| Tier 1 risk-based capital ratio | 27.6020% | 588 |
| Total risk-based capital ratio | 28.8676% | 571 |
| Memoranda: | ||
| Average total assets | $12,209,500 | 5,837 |
| Average earning assets | $11,137,000 | 5,826 |
| Average equity | $1,248,000 | 5,837 |
| Average total loans | $3,306,500 | 5,817 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4740% | 5,764 |
| Cost of funding earning assets | 0.3534% | 3,482 |
| Net interest margin | 2.1206% | 5,781 |
| Noninterest income to average assets | 0.1912% | 5,261 |
| Noninterest expense to average assets | 2.2327% | 4,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0229% | 5,623 |
| Return on assets (ROA) | 0.0229% | 5,647 |
| Pretax return on assets | -0.0688% | 5,680 |
| Return on Equity (ROE) | 0.2381% | 5,642 |
| Retained earnings to average equity (ytd only) | 0.2381% | 5,221 |
| Net charge-offs to loans | 1.7701% | 81 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -0.1636% | 4,141 |
| Efficiency ratio | 103.1802% | 186 |
| Assets per employee ($millions) | 4.0993% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7517% | 48 |
| Loan loss allowance to noncurrent loans | 44.2857% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 4.3422% | 166 |
| Noncurrent loans to loans | 10.7296% | 22 |
| Net loans and leases to total assets | 25.2643% | 5,743 |
| Net loans and leases to deposits | 28.1891% | 5,760 |
| Net loans and leases to core deposits | 32.3747% | 5,727 |
| Total domestic deposits to total assets | 89.6243% | 812 |
| Equity capital to assets | 10.0098% | 3,716 |
| Core capital (leverage) ratio | 10.1185% | 3,343 |
| Tier 1 risk-based capital ratio | 27.6495% | 587 |
| Total risk-based capital ratio | 28.9229% | 569 |
| Memoranda: | ||
| Average total assets | $13,078,400 | 5,892 |
| Average earning assets | $12,166,400 | 5,881 |
| Average equity | $1,260,200 | 5,896 |
| Average total loans | $3,107,200 | 5,874 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4209% | 5,846 |
| Cost of funding earning assets | 0.3551% | 3,487 |
| Net interest margin | 2.0658% | 5,856 |
| Noninterest income to average assets | 0.1908% | 5,323 |
| Noninterest expense to average assets | 2.2099% | 4,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0804% | 5,754 |
| Return on assets (ROA) | -0.0804% | 5,768 |
| Pretax return on assets | -0.0904% | 5,766 |
| Return on Equity (ROE) | -0.8418% | 5,773 |
| Retained earnings to average equity (ytd only) | -0.8418% | 5,479 |
| Net charge-offs to loans | 2.3898% | 52 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -0.1636% | 3,830 |
| Efficiency ratio | 104.2654% | 172 |
| Assets per employee ($millions) | 4.3173% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6282% | 53 |
| Loan loss allowance to noncurrent loans | 34.9099% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 3.9376% | 218 |
| Noncurrent loans to loans | 13.2577% | 19 |
| Net loans and leases to total assets | 24.6603% | 5,816 |
| Net loans and leases to deposits | 27.8078% | 5,836 |
| Net loans and leases to core deposits | 33.0573% | 5,790 |
| Total domestic deposits to total assets | 88.6813% | 1,061 |
| Equity capital to assets | 9.9058% | 4,231 |
| Core capital (leverage) ratio | 9.3338% | 4,414 |
| Tier 1 risk-based capital ratio | 27.2566% | 620 |
| Total risk-based capital ratio | 28.5238% | 609 |
| Memoranda: | ||
| Average total assets | $13,273,500 | 5,957 |
| Average earning assets | $12,391,750 | 5,944 |
| Average equity | $1,267,500 | 5,964 |
| Average total loans | $3,068,500 | 5,941 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3703% | 5,942 |
| Cost of funding earning assets | 0.3386% | 3,711 |
| Net interest margin | 2.0317% | 5,950 |
| Noninterest income to average assets | 0.1943% | 5,334 |
| Noninterest expense to average assets | 2.2570% | 4,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1345% | 5,828 |
| Return on assets (ROA) | -0.1345% | 5,847 |
| Pretax return on assets | -0.1794% | 5,852 |
| Return on Equity (ROE) | -1.4259% | 5,856 |
| Retained earnings to average equity (ytd only) | -1.4259% | 5,482 |
| Net charge-offs to loans | 3.7647% | 35 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -0.2143% | 3,569 |
| Efficiency ratio | 108.6331% | 150 |
| Assets per employee ($millions) | 4.4230% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9343% | 47 |
| Loan loss allowance to noncurrent loans | 36.0656% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 3.7154% | 269 |
| Noncurrent loans to loans | 13.6815% | 15 |
| Net loans and leases to total assets | 22.3604% | 5,912 |
| Net loans and leases to deposits | 24.7683% | 5,936 |
| Net loans and leases to core deposits | 29.2171% | 5,904 |
| Total domestic deposits to total assets | 90.2781% | 390 |
| Equity capital to assets | 9.6089% | 4,660 |
| Core capital (leverage) ratio | 9.8236% | 3,784 |
| Tier 1 risk-based capital ratio | 28.4662% | 566 |
| Total risk-based capital ratio | 29.7388% | 556 |
| Memoranda: | ||
| Average total assets | $13,380,670 | 6,032 |
| Average earning assets | $12,403,670 | 6,023 |
| Average equity | $1,262,330 | 6,040 |
| Average total loans | $2,975,000 | 6,018 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2802% | 6,024 |
| Cost of funding earning assets | 0.3533% | 3,566 |
| Net interest margin | 1.9269% | 6,027 |
| Noninterest income to average assets | 0.2084% | 5,241 |
| Noninterest expense to average assets | 2.0243% | 5,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0595% | 5,822 |
| Return on assets (ROA) | -0.0595% | 5,842 |
| Pretax return on assets | -0.0298% | 5,829 |
| Return on Equity (ROE) | -0.6369% | 5,852 |
| Retained earnings to average equity (ytd only) | -0.6369% | 5,228 |
| Net charge-offs to loans | 7.8567% | 7 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -0.0175% | 2,979 |
| Efficiency ratio | 101.4925% | 257 |
| Assets per employee ($millions) | 3.2190% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4584% | 41 |
| Loan loss allowance to noncurrent loans | 66.8122% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 2.2911% | 693 |
| Noncurrent loans to loans | 8.1698% | 67 |
| Net loans and leases to total assets | 20.5809% | 5,984 |
| Net loans and leases to deposits | 22.8468% | 5,999 |
| Net loans and leases to core deposits | 27.1100% | 5,974 |
| Total domestic deposits to total assets | 90.0823% | 568 |
| Equity capital to assets | 9.8400% | 4,285 |
| Core capital (leverage) ratio | 9.1059% | 4,729 |
| Tier 1 risk-based capital ratio | 32.2720% | 420 |
| Total risk-based capital ratio | 33.5456% | 410 |
| Memoranda: | ||
| Average total assets | $13,436,500 | 6,095 |
| Average earning assets | $12,455,000 | 6,083 |
| Average equity | $1,256,000 | 6,102 |
| Average total loans | $2,902,000 | 6,080 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4739% | 6,001 |
| Cost of funding earning assets | 0.2979% | 4,272 |
| Net interest margin | 2.1761% | 5,994 |
| Noninterest income to average assets | 0.2250% | 5,253 |
| Noninterest expense to average assets | 2.3547% | 4,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0750% | 5,912 |
| Return on assets (ROA) | -0.0750% | 5,931 |
| Pretax return on assets | -0.1575% | 5,951 |
| Return on Equity (ROE) | -0.7943% | 5,933 |
| Retained earnings to average equity (ytd only) | -0.7943% | 5,633 |
| Net charge-offs to loans | 0.5440% | 467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -1.1053% | 4,335 |
| Efficiency ratio | 107.1672% | 169 |
| Assets per employee ($millions) | 3.4993% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9977% | 19 |
| Loan loss allowance to noncurrent loans | 51.9802% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 3.3579% | 361 |
| Noncurrent loans to loans | 13.4622% | 23 |
| Net loans and leases to total assets | 19.9400% | 6,049 |
| Net loans and leases to deposits | 21.8971% | 6,068 |
| Net loans and leases to core deposits | 28.3494% | 6,020 |
| Total domestic deposits to total assets | 91.0624% | 264 |
| Equity capital to assets | 8.8948% | 5,229 |
| Core capital (leverage) ratio | 8.6826% | 5,234 |
| Tier 1 risk-based capital ratio | 23.5172% | 953 |
| Total risk-based capital ratio | 24.8017% | 942 |
| Memoranda: | ||
| Average total assets | $13,335,200 | 6,154 |
| Average earning assets | $12,086,000 | 6,145 |
| Average equity | $1,259,000 | 6,164 |
| Average total loans | $3,492,400 | 6,136 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5418% | 6,072 |
| Cost of funding earning assets | 0.2912% | 4,442 |
| Net interest margin | 2.2506% | 6,060 |
| Noninterest income to average assets | 0.2329% | 5,265 |
| Noninterest expense to average assets | 2.3994% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1012% | 6,001 |
| Return on assets (ROA) | -0.1012% | 6,024 |
| Pretax return on assets | -0.1316% | 6,023 |
| Return on Equity (ROE) | -1.0558% | 6,027 |
| Retained earnings to average equity (ytd only) | -1.0558% | 5,763 |
| Net charge-offs to loans | 0.1845% | 1,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -2.5982% | 4,089 |
| Efficiency ratio | 105.8036% | 192 |
| Assets per employee ($millions) | 3.3828% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0044% | 21 |
| Loan loss allowance to noncurrent loans | 134.9398% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.2268% | 1,919 |
| Noncurrent loans to loans | 5.1907% | 192 |
| Net loans and leases to total assets | 21.9792% | 6,115 |
| Net loans and leases to deposits | 24.2637% | 6,138 |
| Net loans and leases to core deposits | 31.7837% | 6,071 |
| Total domestic deposits to total assets | 90.5846% | 368 |
| Equity capital to assets | 9.3489% | 4,941 |
| Core capital (leverage) ratio | 9.1873% | 4,744 |
| Tier 1 risk-based capital ratio | 24.4161% | 902 |
| Total risk-based capital ratio | 25.7093% | 888 |
| Memoranda: | ||
| Average total assets | $13,169,750 | 6,242 |
| Average earning assets | $11,907,500 | 6,232 |
| Average equity | $1,262,500 | 6,249 |
| Average total loans | $3,615,250 | 6,218 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5732% | 6,129 |
| Cost of funding earning assets | 0.2897% | 4,510 |
| Net interest margin | 2.2835% | 6,106 |
| Noninterest income to average assets | 0.2146% | 5,410 |
| Noninterest expense to average assets | 2.4676% | 4,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1533% | 6,078 |
| Return on assets (ROA) | -0.1533% | 6,105 |
| Pretax return on assets | -0.1992% | 6,107 |
| Return on Equity (ROE) | -1.5852% | 6,108 |
| Retained earnings to average equity (ytd only) | -1.5852% | 5,780 |
| Net charge-offs to loans | 0.3196% | 822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -2.1667% | 3,790 |
| Efficiency ratio | 108.7838% | 188 |
| Assets per employee ($millions) | 3.4285% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8050% | 21 |
| Loan loss allowance to noncurrent loans | 135.9756% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.1959% | 2,113 |
| Noncurrent loans to loans | 5.0046% | 226 |
| Net loans and leases to total assets | 22.2692% | 6,187 |
| Net loans and leases to deposits | 24.5104% | 6,211 |
| Net loans and leases to core deposits | 31.9456% | 6,137 |
| Total domestic deposits to total assets | 90.8561% | 339 |
| Equity capital to assets | 9.0637% | 5,175 |
| Core capital (leverage) ratio | 9.1129% | 4,805 |
| Tier 1 risk-based capital ratio | 24.5168% | 903 |
| Total risk-based capital ratio | 25.7988% | 890 |
| Memoranda: | ||
| Average total assets | $13,049,330 | 6,321 |
| Average earning assets | $11,736,330 | 6,306 |
| Average equity | $1,261,670 | 6,324 |
| Average total loans | $3,754,330 | 6,291 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6614% | 6,146 |
| Cost of funding earning assets | 0.3152% | 4,276 |
| Net interest margin | 2.3462% | 6,131 |
| Noninterest income to average assets | 0.1887% | 5,578 |
| Noninterest expense to average assets | 2.2961% | 4,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0000% | 6,015 |
| Return on assets (ROA) | 0.0000% | 6,054 |
| Pretax return on assets | 0.0000% | 6,047 |
| Return on Equity (ROE) | 0.0000% | 6,055 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,366 |
| Net charge-offs to loans | -0.1002% | 5,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 364 |
| Assets per employee ($millions) | 3.2643% | 5,302 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1613% | 34 |
| Loan loss allowance to noncurrent loans | 61.8280% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 2.8490% | 688 |
| Noncurrent loans to loans | 9.9652% | 62 |
| Net loans and leases to total assets | 26.8285% | 6,173 |
| Net loans and leases to deposits | 29.7748% | 6,204 |
| Net loans and leases to core deposits | 39.5105% | 5,987 |
| Total domestic deposits to total assets | 90.1049% | 699 |
| Equity capital to assets | 9.7649% | 4,417 |
| Core capital (leverage) ratio | 9.2835% | 4,601 |
| Tier 1 risk-based capital ratio | 26.0950% | 779 |
| Total risk-based capital ratio | 27.3844% | 757 |
| Memoranda: | ||
| Average total assets | $12,717,000 | 6,391 |
| Average earning assets | $11,422,500 | 6,379 |
| Average equity | $1,271,000 | 6,391 |
| Average total loans | $3,993,000 | 6,358 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4282% | 5,468 |
| Cost of funding earning assets | 0.3092% | 4,698 |
| Net interest margin | 3.1189% | 5,159 |
| Noninterest income to average assets | 0.2683% | 5,205 |
| Noninterest expense to average assets | 2.5125% | 4,502 |
| Loan and lease loss provision to assets | 1.3498% | 69 |
| Net operating income to assets | -0.4860% | 6,293 |
| Return on assets (ROA) | -0.3171% | 6,241 |
| Pretax return on assets | -0.4716% | 6,282 |
| Return on Equity (ROE) | -3.0874% | 6,250 |
| Retained earnings to average equity (ytd only) | -3.4832% | 6,118 |
| Net charge-offs to loans | 0.7145% | 517 |
| Credit loss provision to net charge-offs | 461.1111% | 573 |
| Earnings coverage of net charge-offs (x) | 2.1389% | 4,236 |
| Efficiency ratio | 80.0518% | 1,922 |
| Assets per employee ($millions) | 3.0943% | 5,572 |
| Cash dividends to net income (ytd only)* | -12.8205% | 6,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3844% | 60 |
| Loan loss allowance to noncurrent loans | 71.1180% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 2.6016% | 868 |
| Noncurrent loans to loans | 7.5711% | 124 |
| Net loans and leases to total assets | 32.5119% | 6,097 |
| Net loans and leases to deposits | 36.3177% | 6,159 |
| Net loans and leases to core deposits | 49.1871% | 5,754 |
| Total domestic deposits to total assets | 89.5209% | 966 |
| Equity capital to assets | 10.2367% | 3,809 |
| Core capital (leverage) ratio | 10.0547% | 3,492 |
| Tier 1 risk-based capital ratio | 23.9834% | 960 |
| Total risk-based capital ratio | 25.0047% | 963 |
| Memoranda: | ||
| Average total assets | $12,298,400 | 6,483 |
| Average earning assets | $11,318,000 | 6,467 |
| Average equity | $1,263,200 | 6,483 |
| Average total loans | $5,038,600 | 6,435 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3789% | 5,627 |
| Cost of funding earning assets | 0.3040% | 4,853 |
| Net interest margin | 3.0750% | 5,321 |
| Noninterest income to average assets | 0.2498% | 5,427 |
| Noninterest expense to average assets | 2.5952% | 4,213 |
| Loan and lease loss provision to assets | 1.4768% | 57 |
| Net operating income to assets | -0.7349% | 6,428 |
| Return on assets (ROA) | -0.5864% | 6,386 |
| Pretax return on assets | -0.7710% | 6,414 |
| Return on Equity (ROE) | -5.7041% | 6,380 |
| Retained earnings to average equity (ytd only) | -6.2317% | 6,300 |
| Net charge-offs to loans | 0.0510% | 3,482 |
| Credit loss provision to net charge-offs | 6,800.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 23.4719% | 1,588 |
| Efficiency ratio | 83.5664% | 1,441 |
| Assets per employee ($millions) | 3.0450% | 5,684 |
| Cash dividends to net income (ytd only)* | -9.2639% | 6,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3838% | 117 |
| Loan loss allowance to noncurrent loans | 45.7760% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 4.1790% | 450 |
| Noncurrent loans to loans | 9.5767% | 83 |
| Net loans and leases to total assets | 41.7241% | 5,699 |
| Net loans and leases to deposits | 46.6196% | 5,837 |
| Net loans and leases to core deposits | 82.2996% | 3,070 |
| Total domestic deposits to total assets | 89.4992% | 982 |
| Equity capital to assets | 10.2381% | 3,875 |
| Core capital (leverage) ratio | 9.6593% | 4,138 |
| Tier 1 risk-based capital ratio | 22.4955% | 1,186 |
| Total risk-based capital ratio | 23.7882% | 1,163 |
| Memoranda: | ||
| Average total assets | $12,278,750 | 6,563 |
| Average earning assets | $11,403,750 | 6,545 |
| Average equity | $1,262,250 | 6,561 |
| Average total loans | $5,235,000 | 6,510 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4376% | 5,548 |
| Cost of funding earning assets | 0.3157% | 4,817 |
| Net interest margin | 3.1219% | 5,185 |
| Noninterest income to average assets | 0.2599% | 5,337 |
| Noninterest expense to average assets | 2.6316% | 4,127 |
| Loan and lease loss provision to assets | 1.7219% | 45 |
| Net operating income to assets | -0.9260% | 6,520 |
| Return on assets (ROA) | -0.9260% | 6,517 |
| Pretax return on assets | -1.2021% | 6,535 |
| Return on Equity (ROE) | -8.9953% | 6,503 |
| Retained earnings to average equity (ytd only) | -9.7843% | 6,413 |
| Net charge-offs to loans | 0.4608% | 879 |
| Credit loss provision to net charge-offs | 883.3333% | 371 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 3,493 |
| Efficiency ratio | 83.5052% | 1,569 |
| Assets per employee ($millions) | 3.1075% | 5,588 |
| Cash dividends to net income (ytd only)* | -8.7719% | 6,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7725% | 200 |
| Loan loss allowance to noncurrent loans | 93.2367% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.6653% | 1,949 |
| Noncurrent loans to loans | 4.0461% | 582 |
| Net loans and leases to total assets | 39.6058% | 5,851 |
| Net loans and leases to deposits | 44.2318% | 5,969 |
| Net loans and leases to core deposits | 71.0390% | 4,149 |
| Total domestic deposits to total assets | 89.5414% | 1,058 |
| Equity capital to assets | 10.1368% | 3,922 |
| Core capital (leverage) ratio | 9.8877% | 3,762 |
| Tier 1 risk-based capital ratio | 22.8061% | 1,141 |
| Total risk-based capital ratio | 24.0832% | 1,122 |
| Memoranda: | ||
| Average total assets | $12,311,670 | 6,628 |
| Average earning assets | $11,403,330 | 6,610 |
| Average equity | $1,267,330 | 6,622 |
| Average total loans | $5,208,330 | 6,574 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4243% | 5,594 |
| Cost of funding earning assets | 0.2795% | 5,287 |
| Net interest margin | 3.1448% | 5,103 |
| Noninterest income to average assets | 0.2612% | 5,272 |
| Noninterest expense to average assets | 2.6770% | 4,011 |
| Loan and lease loss provision to assets | 3.4605% | 15 |
| Net operating income to assets | -2.2526% | 6,668 |
| Return on assets (ROA) | -2.2526% | 6,668 |
| Pretax return on assets | -2.9382% | 6,685 |
| Return on Equity (ROE) | -21.7152% | 6,634 |
| Retained earnings to average equity (ytd only) | -21.7152% | 6,547 |
| Net charge-offs to loans | 0.9135% | 383 |
| Credit loss provision to net charge-offs | 883.3333% | 343 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 3,118 |
| Efficiency ratio | 83.6735% | 1,709 |
| Assets per employee ($millions) | 3.2050% | 5,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5569% | 254 |
| Loan loss allowance to noncurrent loans | 139.8551% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 1.3183% | 2,675 |
| Noncurrent loans to loans | 2.5433% | 1,358 |
| Net loans and leases to total assets | 40.8190% | 5,759 |
| Net loans and leases to deposits | 45.3152% | 5,901 |
| Net loans and leases to core deposits | 76.6965% | 3,341 |
| Total domestic deposits to total assets | 90.0780% | 1,031 |
| Equity capital to assets | 9.6880% | 4,243 |
| Core capital (leverage) ratio | 9.5759% | 4,170 |
| Tier 1 risk-based capital ratio | 21.2613% | 1,423 |
| Total risk-based capital ratio | 22.5432% | 1,395 |
| Memoranda: | ||
| Average total assets | $12,252,500 | 6,703 |
| Average earning assets | $11,447,500 | 6,683 |
| Average equity | $1,271,000 | 6,689 |
| Average total loans | $5,254,500 | 6,646 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4134% | 5,816 |
| Cost of funding earning assets | 0.3247% | 5,382 |
| Net interest margin | 3.0887% | 5,342 |
| Noninterest income to average assets | 0.2879% | 5,300 |
| Noninterest expense to average assets | 2.4155% | 5,035 |
| Loan and lease loss provision to assets | 0.0400% | 4,319 |
| Net operating income to assets | 0.4589% | 4,913 |
| Return on assets (ROA) | 0.5839% | 4,450 |
| Pretax return on assets | 0.8238% | 4,059 |
| Return on Equity (ROE) | 5.6598% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.6598% | 2,180 |
| Net charge-offs to loans | 0.1570% | 3,235 |
| Credit loss provision to net charge-offs | 62.5000% | 3,489 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 2,321 |
| Efficiency ratio | 77.8351% | 2,495 |
| Assets per employee ($millions) | 2.9213% | 5,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9477% | 1,676 |
| Loan loss allowance to noncurrent loans | 115.1163% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.0954% | 3,220 |
| Noncurrent loans to loans | 1.6919% | 2,373 |
| Net loans and leases to total assets | 42.6530% | 5,781 |
| Net loans and leases to deposits | 48.2712% | 5,882 |
| Net loans and leases to core deposits | 67.1065% | 4,605 |
| Total domestic deposits to total assets | 88.3611% | 1,974 |
| Equity capital to assets | 11.1254% | 2,504 |
| Core capital (leverage) ratio | 10.2958% | 3,154 |
| Tier 1 risk-based capital ratio | 22.9732% | 1,104 |
| Total risk-based capital ratio | 24.2339% | 1,075 |
| Memoranda: | ||
| Average total assets | $12,502,800 | 6,780 |
| Average earning assets | $11,396,200 | 6,766 |
| Average equity | $1,289,800 | 6,778 |
| Average total loans | $5,096,400 | 6,733 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3567% | 5,964 |
| Cost of funding earning assets | 0.3263% | 5,498 |
| Net interest margin | 3.0304% | 5,518 |
| Noninterest income to average assets | 0.2728% | 5,492 |
| Noninterest expense to average assets | 2.2874% | 5,383 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5377% | 4,628 |
| Return on assets (ROA) | 0.7030% | 3,979 |
| Pretax return on assets | 0.9338% | 3,746 |
| Return on Equity (ROE) | 6.9396% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.9396% | 1,910 |
| Net charge-offs to loans | -0.0524% | 6,328 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2238% | 2,695 |
| Assets per employee ($millions) | 3.2235% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9224% | 1,934 |
| Loan loss allowance to noncurrent loans | 115.5556% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 1.0470% | 3,558 |
| Noncurrent loans to loans | 1.6636% | 2,687 |
| Net loans and leases to total assets | 41.1509% | 5,958 |
| Net loans and leases to deposits | 46.0630% | 6,094 |
| Net loans and leases to core deposits | 61.8271% | 5,135 |
| Total domestic deposits to total assets | 89.3361% | 1,393 |
| Equity capital to assets | 10.1365% | 3,722 |
| Core capital (leverage) ratio | 9.8962% | 3,820 |
| Tier 1 risk-based capital ratio | 22.2033% | 1,282 |
| Total risk-based capital ratio | 23.4614% | 1,260 |
| Memoranda: | ||
| Average total assets | $12,707,250 | 6,856 |
| Average earning assets | $11,439,500 | 6,843 |
| Average equity | $1,287,250 | 6,856 |
| Average total loans | $5,099,750 | 6,811 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2876% | 6,108 |
| Cost of funding earning assets | 0.3340% | 5,532 |
| Net interest margin | 2.9536% | 5,688 |
| Noninterest income to average assets | 0.2689% | 5,529 |
| Noninterest expense to average assets | 2.4199% | 5,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3929% | 5,241 |
| Return on assets (ROA) | 0.6643% | 4,149 |
| Pretax return on assets | 0.8541% | 4,099 |
| Return on Equity (ROE) | 6.5591% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.5591% | 2,115 |
| Net charge-offs to loans | -0.0801% | 6,432 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7027% | 1,796 |
| Assets per employee ($millions) | 3.2443% | 5,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9217% | 2,047 |
| Loan loss allowance to noncurrent loans | 118.1818% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.0249% | 3,705 |
| Noncurrent loans to loans | 1.6260% | 2,868 |
| Net loans and leases to total assets | 40.9031% | 5,976 |
| Net loans and leases to deposits | 45.5466% | 6,137 |
| Net loans and leases to core deposits | 60.8925% | 5,182 |
| Total domestic deposits to total assets | 89.8050% | 1,146 |
| Equity capital to assets | 9.8020% | 4,181 |
| Core capital (leverage) ratio | 10.2359% | 3,177 |
| Tier 1 risk-based capital ratio | 21.4945% | 1,389 |
| Total risk-based capital ratio | 22.7540% | 1,358 |
| Memoranda: | ||
| Average total assets | $12,645,000 | 6,906 |
| Average earning assets | $11,376,000 | 6,892 |
| Average equity | $1,280,670 | 6,904 |
| Average total loans | $4,996,330 | 6,860 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2090% | 6,287 |
| Cost of funding earning assets | 0.3566% | 5,472 |
| Net interest margin | 2.8524% | 5,910 |
| Noninterest income to average assets | 0.2885% | 5,391 |
| Noninterest expense to average assets | 2.1797% | 5,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5449% | 4,473 |
| Return on assets (ROA) | 0.5449% | 4,626 |
| Pretax return on assets | 0.6731% | 4,693 |
| Return on Equity (ROE) | 5.2918% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.2918% | 3,057 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4045% | 2,862 |
| Assets per employee ($millions) | 3.2210% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0953% | 1,807 |
| Loan loss allowance to noncurrent loans | 91.0714% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 3,532 |
| Noncurrent loans to loans | 2.3007% | 2,274 |
| Net loans and leases to total assets | 36.9916% | 6,225 |
| Net loans and leases to deposits | 41.3787% | 6,355 |
| Net loans and leases to core deposits | 54.8005% | 5,619 |
| Total domestic deposits to total assets | 89.3977% | 1,419 |
| Equity capital to assets | 10.0124% | 4,136 |
| Core capital (leverage) ratio | 9.6720% | 3,826 |
| Tier 1 risk-based capital ratio | 21.7866% | 1,377 |
| Total risk-based capital ratio | 23.0356% | 1,346 |
| Memoranda: | ||
| Average total assets | $12,479,000 | 6,983 |
| Average earning assets | $11,218,500 | 6,970 |
| Average equity | $1,285,000 | 6,974 |
| Average total loans | $4,788,500 | 6,938 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 5,484 |
| Cost of funding earning assets | 0.4616% | 5,488 |
| Net interest margin | 3.4717% | 4,615 |
| Noninterest income to average assets | 0.2963% | 5,349 |
| Noninterest expense to average assets | 2.9626% | 3,415 |
| Loan and lease loss provision to assets | 0.2455% | 2,691 |
| Net operating income to assets | 0.1100% | 5,995 |
| Return on assets (ROA) | 0.1100% | 6,134 |
| Pretax return on assets | 0.1439% | 6,079 |
| Return on Equity (ROE) | 1.0114% | 6,131 |
| Retained earnings to average equity (ytd only) | 1.0114% | 5,372 |
| Net charge-offs to loans | 0.2096% | 3,710 |
| Credit loss provision to net charge-offs | 263.6364% | 911 |
| Earnings coverage of net charge-offs (x) | 4.1818% | 3,449 |
| Efficiency ratio | 88.3838% | 1,211 |
| Assets per employee ($millions) | 3.0185% | 5,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1661% | 1,612 |
| Loan loss allowance to noncurrent loans | 113.3333% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 1.1347% | 3,760 |
| Noncurrent loans to loans | 1.9112% | 2,793 |
| Net loans and leases to total assets | 38.1564% | 6,293 |
| Net loans and leases to deposits | 43.0360% | 6,425 |
| Net loans and leases to core deposits | 58.4348% | 5,506 |
| Total domestic deposits to total assets | 88.6616% | 1,797 |
| Equity capital to assets | 10.6013% | 3,396 |
| Core capital (leverage) ratio | 9.7260% | 3,765 |
| Tier 1 risk-based capital ratio | 22.6136% | 1,168 |
| Total risk-based capital ratio | 23.8730% | 1,145 |
| Memoranda: | ||
| Average total assets | $11,814,000 | 7,052 |
| Average earning assets | $10,398,400 | 7,042 |
| Average equity | $1,285,400 | 7,044 |
| Average total loans | $5,247,800 | 6,995 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 4,733 |
| Cost of funding earning assets | 0.4808% | 5,564 |
| Net interest margin | 3.7425% | 3,593 |
| Noninterest income to average assets | 0.2951% | 5,414 |
| Noninterest expense to average assets | 2.8711% | 3,703 |
| Loan and lease loss provision to assets | 0.3291% | 1,994 |
| Net operating income to assets | 0.2724% | 5,706 |
| Return on assets (ROA) | 0.2724% | 5,901 |
| Pretax return on assets | 0.3632% | 5,805 |
| Return on Equity (ROE) | 2.4869% | 5,883 |
| Retained earnings to average equity (ytd only) | 2.4869% | 5,083 |
| Net charge-offs to loans | 0.2973% | 2,950 |
| Credit loss provision to net charge-offs | 241.6667% | 1,147 |
| Earnings coverage of net charge-offs (x) | 5.0831% | 3,121 |
| Efficiency ratio | 80.5732% | 2,006 |
| Assets per employee ($millions) | 3.1088% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8587% | 2,617 |
| Loan loss allowance to noncurrent loans | 348.2759% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.6112% | 5,145 |
| Noncurrent loans to loans | 0.5337% | 5,376 |
| Net loans and leases to total assets | 42.8870% | 6,048 |
| Net loans and leases to deposits | 48.3982% | 6,237 |
| Net loans and leases to core deposits | 62.3160% | 5,328 |
| Total domestic deposits to total assets | 88.6128% | 1,651 |
| Equity capital to assets | 10.4704% | 3,882 |
| Core capital (leverage) ratio | 10.4184% | 3,012 |
| Tier 1 risk-based capital ratio | 21.0084% | 1,525 |
| Total risk-based capital ratio | 22.1345% | 1,519 |
| Memoranda: | ||
| Average total assets | $11,749,000 | 7,149 |
| Average earning assets | $10,260,250 | 7,137 |
| Average equity | $1,286,750 | 7,140 |
| Average total loans | $5,382,500 | 7,087 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2938% | 4,597 |
| Cost of funding earning assets | 0.5168% | 5,510 |
| Net interest margin | 3.7770% | 3,472 |
| Noninterest income to average assets | 0.3125% | 5,315 |
| Noninterest expense to average assets | 2.9687% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5035% | 4,809 |
| Return on assets (ROA) | 0.5035% | 5,063 |
| Pretax return on assets | 0.6423% | 4,988 |
| Return on Equity (ROE) | 4.5253% | 5,024 |
| Retained earnings to average equity (ytd only) | 4.5253% | 3,592 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2115% | 1,854 |
| Assets per employee ($millions) | 2.9843% | 6,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 3,946 |
| Loan loss allowance to noncurrent loans | 66.1417% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.5749% | 3,348 |
| Noncurrent loans to loans | 2.2895% | 2,625 |
| Net loans and leases to total assets | 45.7653% | 5,842 |
| Net loans and leases to deposits | 51.8803% | 6,034 |
| Net loans and leases to core deposits | 67.7036% | 4,824 |
| Total domestic deposits to total assets | 88.2131% | 2,013 |
| Equity capital to assets | 10.8821% | 3,252 |
| Core capital (leverage) ratio | 10.7256% | 2,570 |
| Tier 1 risk-based capital ratio | 21.4750% | 1,394 |
| Total risk-based capital ratio | 22.7242% | 1,367 |
| Memoranda: | ||
| Average total assets | $11,520,330 | 7,212 |
| Average earning assets | $10,061,000 | 7,200 |
| Average equity | $1,281,670 | 7,198 |
| Average total loans | $5,365,330 | 7,147 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1925% | 5,131 |
| Cost of funding earning assets | 0.5644% | 5,397 |
| Net interest margin | 3.6281% | 4,137 |
| Noninterest income to average assets | 0.3182% | 5,328 |
| Noninterest expense to average assets | 2.8996% | 3,626 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4597% | 4,993 |
| Return on assets (ROA) | 0.4597% | 5,191 |
| Pretax return on assets | 0.6011% | 5,116 |
| Return on Equity (ROE) | 4.0848% | 5,255 |
| Retained earnings to average equity (ytd only) | 4.0848% | 4,141 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8283% | 1,824 |
| Assets per employee ($millions) | 2.3124% | 6,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 4,122 |
| Loan loss allowance to noncurrent loans | 103.7037% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 1.2282% | 4,084 |
| Noncurrent loans to loans | 1.4527% | 3,938 |
| Net loans and leases to total assets | 47.5004% | 5,624 |
| Net loans and leases to deposits | 53.9489% | 5,814 |
| Net loans and leases to core deposits | 78.6369% | 3,241 |
| Total domestic deposits to total assets | 88.0471% | 2,290 |
| Equity capital to assets | 11.0794% | 2,817 |
| Core capital (leverage) ratio | 10.4991% | 2,750 |
| Tier 1 risk-based capital ratio | 21.5142% | 1,380 |
| Total risk-based capital ratio | 22.7644% | 1,349 |
| Memoranda: | ||
| Average total assets | $11,312,000 | 7,279 |
| Average earning assets | $9,922,500 | 7,263 |
| Average equity | $1,273,000 | 7,253 |
| Average total loans | $5,274,500 | 7,211 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6989% | 4,252 |
| Cost of funding earning assets | 0.6375% | 5,884 |
| Net interest margin | 4.0614% | 2,597 |
| Noninterest income to average assets | 0.3331% | 5,154 |
| Noninterest expense to average assets | 3.3223% | 2,447 |
| Loan and lease loss provision to assets | 0.1351% | 4,929 |
| Net operating income to assets | 0.3241% | 5,173 |
| Return on assets (ROA) | 0.3241% | 5,326 |
| Pretax return on assets | 0.4322% | 5,195 |
| Return on Equity (ROE) | 2.9178% | 5,320 |
| Retained earnings to average equity (ytd only) | 2.9178% | 4,163 |
| Net charge-offs to loans | 0.5392% | 2,856 |
| Credit loss provision to net charge-offs | 46.8750% | 5,494 |
| Earnings coverage of net charge-offs (x) | 1.9688% | 4,306 |
| Efficiency ratio | 85.4167% | 1,630 |
| Assets per employee ($millions) | 2.2124% | 7,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 3,166 |
| Loan loss allowance to noncurrent loans | 69.6721% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.6543% | 3,473 |
| Noncurrent loans to loans | 2.4532% | 2,679 |
| Net loans and leases to total assets | 44.1873% | 6,196 |
| Net loans and leases to deposits | 50.4021% | 6,331 |
| Net loans and leases to core deposits | 61.4070% | 5,715 |
| Total domestic deposits to total assets | 87.6695% | 2,360 |
| Equity capital to assets | 11.4355% | 2,560 |
| Core capital (leverage) ratio | 10.5173% | 2,706 |
| Tier 1 risk-based capital ratio | 22.3437% | 1,190 |
| Total risk-based capital ratio | 23.6012% | 1,162 |
| Memoranda: | ||
| Average total assets | $11,106,800 | 7,324 |
| Average earning assets | $9,725,600 | 7,314 |
| Average equity | $1,233,800 | 7,312 |
| Average total loans | $5,934,800 | 7,243 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8503% | 3,779 |
| Cost of funding earning assets | 0.6285% | 6,138 |
| Net interest margin | 4.2219% | 2,016 |
| Noninterest income to average assets | 0.3118% | 5,371 |
| Noninterest expense to average assets | 3.4058% | 2,175 |
| Loan and lease loss provision to assets | 0.1799% | 4,230 |
| Net operating income to assets | 0.3598% | 5,163 |
| Return on assets (ROA) | 0.3598% | 5,349 |
| Pretax return on assets | 0.4317% | 5,370 |
| Return on Equity (ROE) | 3.2626% | 5,326 |
| Retained earnings to average equity (ytd only) | 3.2626% | 4,396 |
| Net charge-offs to loans | 0.6910% | 2,186 |
| Credit loss provision to net charge-offs | 46.8750% | 5,105 |
| Earnings coverage of net charge-offs (x) | 1.5936% | 4,448 |
| Efficiency ratio | 84.7761% | 1,654 |
| Assets per employee ($millions) | 2.3186% | 7,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 4,527 |
| Loan loss allowance to noncurrent loans | 78.7037% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.4578% | 3,934 |
| Noncurrent loans to loans | 1.7872% | 3,653 |
| Net loans and leases to total assets | 51.3931% | 5,527 |
| Net loans and leases to deposits | 58.2803% | 5,817 |
| Net loans and leases to core deposits | 73.2391% | 4,559 |
| Total domestic deposits to total assets | 88.1825% | 1,936 |
| Equity capital to assets | 10.9376% | 3,204 |
| Core capital (leverage) ratio | 10.1533% | 3,238 |
| Tier 1 risk-based capital ratio | 19.6391% | 1,776 |
| Total risk-based capital ratio | 20.8958% | 1,746 |
| Memoranda: | ||
| Average total assets | $11,118,000 | 7,402 |
| Average earning assets | $9,758,500 | 7,392 |
| Average equity | $1,226,000 | 7,388 |
| Average total loans | $6,175,250 | 7,312 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 3,492 |
| Cost of funding earning assets | 0.6655% | 6,143 |
| Net interest margin | 4.2636% | 1,791 |
| Noninterest income to average assets | 0.2920% | 5,542 |
| Noninterest expense to average assets | 3.6315% | 1,669 |
| Loan and lease loss provision to assets | 0.2737% | 3,200 |
| Net operating income to assets | 0.0730% | 6,074 |
| Return on assets (ROA) | 0.0730% | 6,154 |
| Pretax return on assets | 0.1277% | 6,052 |
| Return on Equity (ROE) | 0.6601% | 6,154 |
| Retained earnings to average equity (ytd only) | 0.6601% | 5,589 |
| Net charge-offs to loans | 1.0290% | 1,532 |
| Credit loss provision to net charge-offs | 46.8750% | 4,658 |
| Earnings coverage of net charge-offs (x) | 0.6875% | 4,778 |
| Efficiency ratio | 90.0452% | 1,235 |
| Assets per employee ($millions) | 2.2792% | 7,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 4,608 |
| Loan loss allowance to noncurrent loans | 77.2727% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.5005% | 3,951 |
| Noncurrent loans to loans | 1.8033% | 3,752 |
| Net loans and leases to total assets | 52.7817% | 5,466 |
| Net loans and leases to deposits | 59.6785% | 5,758 |
| Net loans and leases to core deposits | 72.1137% | 4,804 |
| Total domestic deposits to total assets | 88.4433% | 1,886 |
| Equity capital to assets | 10.7757% | 3,202 |
| Core capital (leverage) ratio | 10.7487% | 2,471 |
| Tier 1 risk-based capital ratio | 19.1094% | 1,809 |
| Total risk-based capital ratio | 20.3588% | 1,774 |
| Memoranda: | ||
| Average total assets | $10,959,670 | 7,479 |
| Average earning assets | $9,616,330 | 7,469 |
| Average equity | $1,212,000 | 7,464 |
| Average total loans | $6,219,330 | 7,383 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7807% | 4,146 |
| Cost of funding earning assets | 0.7256% | 5,998 |
| Net interest margin | 4.0551% | 2,454 |
| Noninterest income to average assets | 0.2607% | 5,802 |
| Noninterest expense to average assets | 3.7984% | 1,340 |
| Loan and lease loss provision to assets | 0.5586% | 1,547 |
| Net operating income to assets | -0.5586% | 6,840 |
| Return on assets (ROA) | -0.5586% | 6,844 |
| Pretax return on assets | -0.5586% | 6,786 |
| Return on Equity (ROE) | -4.9834% | 6,807 |
| Retained earnings to average equity (ytd only) | -4.9834% | 6,514 |
| Net charge-offs to loans | 2.0385% | 626 |
| Credit loss provision to net charge-offs | 46.8750% | 3,818 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 4,575 |
| Efficiency ratio | 100.0000% | 743 |
| Assets per employee ($millions) | 2.1712% | 7,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 4,803 |
| Loan loss allowance to noncurrent loans | 42.7136% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 2.4871% | 2,743 |
| Noncurrent loans to loans | 3.2102% | 2,337 |
| Net loans and leases to total assets | 56.3191% | 4,942 |
| Net loans and leases to deposits | 63.5948% | 5,310 |
| Net loans and leases to core deposits | 89.2294% | 2,448 |
| Total domestic deposits to total assets | 88.5593% | 2,041 |
| Equity capital to assets | 10.9893% | 2,699 |
| Core capital (leverage) ratio | 10.5466% | 2,568 |
| Tier 1 risk-based capital ratio | 18.6567% | 1,909 |
| Total risk-based capital ratio | 19.9111% | 1,858 |
| Memoranda: | ||
| Average total assets | $10,741,500 | 7,540 |
| Average earning assets | $9,371,000 | 7,528 |
| Average equity | $1,204,000 | 7,520 |
| Average total loans | $6,279,000 | 7,437 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1623% | 3,792 |
| Cost of funding earning assets | 0.8409% | 6,399 |
| Net interest margin | 4.3214% | 1,748 |
| Noninterest income to average assets | 0.3468% | 5,322 |
| Noninterest expense to average assets | 3.3837% | 2,477 |
| Loan and lease loss provision to assets | 0.7499% | 2,188 |
| Net operating income to assets | 0.0094% | 5,813 |
| Return on assets (ROA) | 0.0094% | 5,944 |
| Pretax return on assets | 0.0187% | 5,860 |
| Return on Equity (ROE) | 0.0809% | 5,948 |
| Retained earnings to average equity (ytd only) | 0.0809% | 5,547 |
| Net charge-offs to loans | 1.7423% | 1,233 |
| Credit loss provision to net charge-offs | 68.3761% | 5,909 |
| Earnings coverage of net charge-offs (x) | 0.7009% | 5,408 |
| Efficiency ratio | 81.4898% | 2,224 |
| Assets per employee ($millions) | 2.1254% | 7,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 3,626 |
| Loan loss allowance to noncurrent loans | 41.3934% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 3.0394% | 2,321 |
| Noncurrent loans to loans | 3.8371% | 1,919 |
| Net loans and leases to total assets | 58.8877% | 4,871 |
| Net loans and leases to deposits | 66.8876% | 5,275 |
| Net loans and leases to core deposits | 81.2833% | 4,012 |
| Total domestic deposits to total assets | 88.0399% | 2,223 |
| Equity capital to assets | 11.4331% | 2,321 |
| Core capital (leverage) ratio | 10.5277% | 2,530 |
| Tier 1 risk-based capital ratio | 18.0291% | 1,987 |
| Total risk-based capital ratio | 19.2855% | 1,950 |
| Memoranda: | ||
| Average total assets | $10,668,800 | 7,620 |
| Average earning assets | $9,395,000 | 7,607 |
| Average equity | $1,235,800 | 7,613 |
| Average total loans | $6,715,400 | 7,504 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3076% | 3,319 |
| Cost of funding earning assets | 0.8515% | 6,574 |
| Net interest margin | 4.4562% | 1,354 |
| Noninterest income to average assets | 0.3371% | 5,467 |
| Noninterest expense to average assets | 3.2960% | 2,585 |
| Loan and lease loss provision to assets | 0.5618% | 2,698 |
| Net operating income to assets | 0.2996% | 5,169 |
| Return on assets (ROA) | 0.2996% | 5,338 |
| Pretax return on assets | 0.3996% | 5,218 |
| Return on Equity (ROE) | 2.5786% | 5,400 |
| Retained earnings to average equity (ytd only) | 2.5786% | 4,616 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4194% | 2,707 |
| Assets per employee ($millions) | 2.1130% | 7,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6289% | 1,168 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 3.5968% | 1,980 |
| Noncurrent loans to loans | 5.2579% | 1,290 |
| Net loans and leases to total assets | 64.5054% | 4,014 |
| Net loans and leases to deposits | 73.6518% | 4,573 |
| Net loans and leases to core deposits | 89.7183% | 3,138 |
| Total domestic deposits to total assets | 87.5816% | 2,220 |
| Equity capital to assets | 11.7842% | 2,300 |
| Core capital (leverage) ratio | 10.7640% | 2,453 |
| Tier 1 risk-based capital ratio | 17.9252% | 2,047 |
| Total risk-based capital ratio | 19.1813% | 2,009 |
| Memoranda: | ||
| Average total assets | $10,679,250 | 7,719 |
| Average earning assets | $9,395,000 | 7,706 |
| Average equity | $1,241,000 | 7,710 |
| Average total loans | $6,804,500 | 7,603 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2652% | 3,624 |
| Cost of funding earning assets | 0.8492% | 6,761 |
| Net interest margin | 4.4160% | 1,408 |
| Noninterest income to average assets | 0.3546% | 5,311 |
| Noninterest expense to average assets | 3.3404% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6905% | 3,441 |
| Return on assets (ROA) | 0.6905% | 3,594 |
| Pretax return on assets | 0.8957% | 3,511 |
| Return on Equity (ROE) | 5.9693% | 3,818 |
| Retained earnings to average equity (ytd only) | 5.9693% | 2,346 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8546% | 2,596 |
| Assets per employee ($millions) | 2.1032% | 7,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9191% | 2,370 |
| Loan loss allowance to noncurrent loans | 70.0508% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.9874% | 3,513 |
| Noncurrent loans to loans | 2.7395% | 2,910 |
| Net loans and leases to total assets | 67.0692% | 3,604 |
| Net loans and leases to deposits | 76.8552% | 4,181 |
| Net loans and leases to core deposits | 93.7899% | 2,747 |
| Total domestic deposits to total assets | 87.2670% | 2,396 |
| Equity capital to assets | 12.0008% | 2,095 |
| Core capital (leverage) ratio | 11.3256% | 2,022 |
| Tier 1 risk-based capital ratio | 17.5720% | 2,082 |
| Total risk-based capital ratio | 18.7473% | 2,065 |
| Memoranda: | ||
| Average total assets | $10,717,330 | 7,785 |
| Average earning assets | $9,420,330 | 7,773 |
| Average equity | $1,239,670 | 7,777 |
| Average total loans | $6,739,670 | 7,666 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1637% | 4,229 |
| Cost of funding earning assets | 0.8396% | 6,972 |
| Net interest margin | 4.3241% | 1,617 |
| Noninterest income to average assets | 0.3698% | 5,186 |
| Noninterest expense to average assets | 3.5127% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5546% | 4,114 |
| Return on assets (ROA) | 0.5546% | 4,254 |
| Pretax return on assets | 0.6656% | 4,353 |
| Return on Equity (ROE) | 4.8840% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.8840% | 3,216 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0708% | 2,011 |
| Assets per employee ($millions) | 2.1704% | 7,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9776% | 2,249 |
| Loan loss allowance to noncurrent loans | 71.8750% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.8798% | 3,662 |
| Noncurrent loans to loans | 2.7515% | 2,898 |
| Net loans and leases to total assets | 63.0299% | 4,528 |
| Net loans and leases to deposits | 71.6681% | 5,097 |
| Net loans and leases to core deposits | 71.6681% | 5,749 |
| Total domestic deposits to total assets | 87.9469% | 2,095 |
| Equity capital to assets | 11.3896% | 2,436 |
| Core capital (leverage) ratio | 10.8183% | 2,359 |
| Tier 1 risk-based capital ratio | 17.6341% | 2,044 |
| Total risk-based capital ratio | 18.8948% | 2,012 |
| Memoranda: | ||
| Average total assets | $10,818,000 | 7,883 |
| Average earning assets | $9,528,000 | 7,874 |
| Average equity | $1,228,500 | 7,864 |
| Average total loans | $6,514,000 | 7,774 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1852% | 1,273 |
| Cost of funding earning assets | 1.1327% | 6,873 |
| Net interest margin | 5.0525% | 407 |
| Noninterest income to average assets | 0.3968% | 5,226 |
| Noninterest expense to average assets | 3.8294% | 1,635 |
| Loan and lease loss provision to assets | 0.1587% | 6,092 |
| Net operating income to assets | 0.6647% | 3,083 |
| Return on assets (ROA) | 0.6647% | 3,133 |
| Pretax return on assets | 0.9226% | 2,854 |
| Return on Equity (ROE) | 5.3617% | 3,491 |
| Retained earnings to average equity (ytd only) | -0.9603% | 5,245 |
| Net charge-offs to loans | 0.2244% | 5,221 |
| Credit loss provision to net charge-offs | 106.6667% | 5,196 |
| Earnings coverage of net charge-offs (x) | 7.2667% | 2,186 |
| Efficiency ratio | 77.9798% | 3,194 |
| Assets per employee ($millions) | 2.1568% | 7,607 |
| Cash dividends to net income (ytd only)* | 117.9104% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2810% | 1,513 |
| Loan loss allowance to noncurrent loans | 40.3509% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 3.2826% | 2,091 |
| Noncurrent loans to loans | 5.6529% | 1,132 |
| Net loans and leases to total assets | 54.8220% | 6,103 |
| Net loans and leases to deposits | 62.3694% | 6,426 |
| Net loans and leases to core deposits | 94.2602% | 4,648 |
| Total domestic deposits to total assets | 87.8987% | 2,014 |
| Equity capital to assets | 11.3223% | 2,452 |
| Core capital (leverage) ratio | 10.5911% | 2,510 |
| Tier 1 risk-based capital ratio | 18.6998% | 1,718 |
| Total risk-based capital ratio | 19.8961% | 1,693 |
| Memoranda: | ||
| Average total assets | $10,079,800 | 7,967 |
| Average earning assets | $9,005,400 | 7,953 |
| Average equity | $1,249,600 | 7,954 |
| Average total loans | $6,685,000 | 7,837 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5118% | 726 |
| Cost of funding earning assets | 1.0978% | 7,178 |
| Net interest margin | 5.4140% | 208 |
| Noninterest income to average assets | 0.3905% | 5,378 |
| Noninterest expense to average assets | 3.4868% | 2,315 |
| Loan and lease loss provision to assets | 0.2154% | 5,263 |
| Net operating income to assets | 1.0770% | 1,806 |
| Return on assets (ROA) | 1.0770% | 1,858 |
| Pretax return on assets | 1.5347% | 1,314 |
| Return on Equity (ROE) | 8.4870% | 2,457 |
| Retained earnings to average equity (ytd only) | 0.1058% | 5,158 |
| Net charge-offs to loans | 0.2922% | 4,200 |
| Credit loss provision to net charge-offs | 106.6667% | 4,769 |
| Earnings coverage of net charge-offs (x) | 8.6665% | 2,216 |
| Efficiency ratio | 66.5810% | 5,275 |
| Assets per employee ($millions) | 2.1344% | 7,679 |
| Cash dividends to net income (ytd only)* | 98.7530% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9151% | 1,994 |
| Loan loss allowance to noncurrent loans | 112.1951% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 1.2650% | 4,537 |
| Noncurrent loans to loans | 1.7069% | 4,079 |
| Net loans and leases to total assets | 66.2294% | 4,380 |
| Net loans and leases to deposits | 75.7719% | 5,086 |
| Net loans and leases to core deposits | 102.7176% | 4,082 |
| Total domestic deposits to total assets | 87.4063% | 1,944 |
| Equity capital to assets | 11.6286% | 2,486 |
| Core capital (leverage) ratio | 11.4531% | 2,097 |
| Tier 1 risk-based capital ratio | 17.3875% | 2,152 |
| Total risk-based capital ratio | 18.6460% | 2,105 |
| Memoranda: | ||
| Average total assets | $9,903,750 | 8,053 |
| Average earning assets | $8,865,750 | 8,039 |
| Average equity | $1,256,750 | 8,037 |
| Average total loans | $6,843,750 | 7,909 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7481% | 494 |
| Cost of funding earning assets | 1.1786% | 7,172 |
| Net interest margin | 5.5695% | 168 |
| Noninterest income to average assets | 0.4353% | 4,979 |
| Noninterest expense to average assets | 3.6071% | 2,054 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3267% | 1,170 |
| Return on assets (ROA) | 1.3267% | 1,242 |
| Pretax return on assets | 1.8243% | 811 |
| Return on Equity (ROE) | 10.1426% | 1,972 |
| Retained earnings to average equity (ytd only) | 10.1426% | 707 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4122% | 5,472 |
| Assets per employee ($millions) | 1.9508% | 7,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9876% | 1,596 |
| Loan loss allowance to noncurrent loans | 102.9851% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 1.5378% | 3,921 |
| Noncurrent loans to loans | 1.9300% | 3,630 |
| Net loans and leases to total assets | 69.7662% | 3,761 |
| Net loans and leases to deposits | 91.5389% | 2,564 |
| Net loans and leases to core deposits | 116.5240% | 2,663 |
| Total domestic deposits to total assets | 76.2149% | 6,505 |
| Equity capital to assets | 13.2664% | 1,574 |
| Core capital (leverage) ratio | 13.5439% | 1,257 |
| Tier 1 risk-based capital ratio | 19.5427% | 1,669 |
| Total risk-based capital ratio | 20.7786% | 1,628 |
| Memoranda: | ||
| Average total assets | $9,647,670 | 8,150 |
| Average earning assets | $8,654,330 | 8,135 |
| Average equity | $1,262,000 | 8,125 |
| Average total loans | $6,723,000 | 7,999 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9956% | 344 |
| Cost of funding earning assets | 1.1582% | 7,395 |
| Net interest margin | 5.8374% | 121 |
| Noninterest income to average assets | 0.4169% | 5,084 |
| Noninterest expense to average assets | 3.7521% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5009% | 934 |
| Return on assets (ROA) | 1.5009% | 1,003 |
| Pretax return on assets | 1.9178% | 768 |
| Return on Equity (ROE) | 11.5570% | 1,794 |
| Retained earnings to average equity (ytd only) | 11.5570% | 872 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1765% | 5,295 |
| Assets per employee ($millions) | 1.9210% | 7,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9991% | 1,421 |
| Loan loss allowance to noncurrent loans | 115.0000% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.4159% | 3,818 |
| Noncurrent loans to loans | 1.7384% | 3,654 |
| Net loans and leases to total assets | 70.4321% | 3,588 |
| Net loans and leases to deposits | 88.6167% | 3,173 |
| Net loans and leases to core deposits | 111.8922% | 3,231 |
| Total domestic deposits to total assets | 79.4794% | 5,551 |
| Equity capital to assets | 13.1910% | 1,661 |
| Core capital (leverage) ratio | 12.7660% | 1,574 |
| Tier 1 risk-based capital ratio | 19.1272% | 1,784 |
| Total risk-based capital ratio | 20.3807% | 1,749 |
| Memoranda: | ||
| Average total assets | $9,594,500 | 8,200 |
| Average earning assets | $8,634,000 | 8,181 |
| Average equity | $1,246,000 | 8,181 |
| Average total loans | $6,613,000 | 8,055 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7150% | 1,978 |
| Cost of funding earning assets | 1.7995% | 7,008 |
| Net interest margin | 4.9155% | 617 |
| Noninterest income to average assets | 0.4376% | 5,139 |
| Noninterest expense to average assets | 3.8316% | 1,696 |
| Loan and lease loss provision to assets | 0.1067% | 6,011 |
| Net operating income to assets | 0.5230% | 4,638 |
| Return on assets (ROA) | 0.5230% | 4,495 |
| Pretax return on assets | 0.8432% | 3,917 |
| Return on Equity (ROE) | 4.1350% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.1350% | 2,554 |
| Net charge-offs to loans | -0.0174% | 7,913 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1339% | 2,579 |
| Assets per employee ($millions) | 1.9168% | 7,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1667% | 980 |
| Loan loss allowance to noncurrent loans | 80.5882% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.9407% | 2,532 |
| Noncurrent loans to loans | 2.6886% | 2,016 |
| Net loans and leases to total assets | 64.5451% | 5,165 |
| Net loans and leases to deposits | 80.5888% | 4,946 |
| Net loans and leases to core deposits | 101.5430% | 4,665 |
| Total domestic deposits to total assets | 80.0918% | 4,982 |
| Equity capital to assets | 12.7817% | 1,876 |
| Core capital (leverage) ratio | 12.3028% | 1,838 |
| Tier 1 risk-based capital ratio | 19.5031% | 1,701 |
| Total risk-based capital ratio | 20.7535% | 1,661 |
| Memoranda: | ||
| Average total assets | $9,369,400 | 8,258 |
| Average earning assets | $8,280,000 | 8,243 |
| Average equity | $1,185,000 | 8,255 |
| Average total loans | $5,742,200 | 8,133 |