Home > Prescott State Bank > Performance and Condition Ratios
Prescott State 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 | 4.1039% | 3,798 |
| Cost of funding earning assets | 0.9592% | 3,389 |
| Net interest margin | 3.1447% | 2,989 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 3.0024% | 1,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1901% | 4,179 |
| Return on assets (ROA) | 0.1901% | 4,195 |
| Pretax return on assets | 0.2360% | 4,157 |
| Return on Equity (ROE) | 1.2400% | 4,234 |
| Retained earnings to average equity (ytd only) | 1.2392% | 3,773 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 92.7126% | 341 |
| Assets per employee ($millions) | 3.0406% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 1,614 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 58.6300% | 2,981 |
| Net loans and leases to deposits | 72.5482% | 2,725 |
| Net loans and leases to core deposits | 83.4566% | 2,497 |
| Total domestic deposits to total assets | 80.8200% | 3,340 |
| Equity capital to assets | 15.4706% | 512 |
| Core capital (leverage) ratio | 15.3425% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $15,254,400 | 4,542 |
| Average earning assets | $14,595,800 | 4,503 |
| Average equity | $2,340,200 | 4,467 |
| Average total loans | $8,595,600 | 4,430 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 3,878 |
| Cost of funding earning assets | 0.8222% | 3,468 |
| Net interest margin | 3.1609% | 3,002 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 3.0478% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1659% | 4,270 |
| Return on assets (ROA) | 0.1659% | 4,284 |
| Pretax return on assets | 0.2009% | 4,262 |
| Return on Equity (ROE) | 1.0800% | 4,308 |
| Retained earnings to average equity (ytd only) | 1.0839% | 3,935 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 93.8172% | 272 |
| Assets per employee ($millions) | 3.0038% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 1,349 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 55.7500% | 3,227 |
| Net loans and leases to deposits | 69.3359% | 2,882 |
| Net loans and leases to core deposits | 79.9637% | 2,605 |
| Total domestic deposits to total assets | 80.4000% | 3,474 |
| Equity capital to assets | 15.6002% | 481 |
| Core capital (leverage) ratio | 15.5774% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $15,267,250 | 4,566 |
| Average earning assets | $14,594,750 | 4,530 |
| Average equity | $2,337,250 | 4,486 |
| Average total loans | $8,485,750 | 4,452 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9406% | 3,805 |
| Cost of funding earning assets | 0.6681% | 3,577 |
| Net interest margin | 3.2725% | 2,817 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 3.0098% | 1,033 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2736% | 4,198 |
| Return on assets (ROA) | 0.2736% | 4,226 |
| Pretax return on assets | 0.3388% | 4,191 |
| Return on Equity (ROE) | 1.8000% | 4,293 |
| Retained earnings to average equity (ytd only) | 1.7985% | 3,758 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.8833% | 359 |
| Assets per employee ($millions) | 3.0228% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 1,418 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 55.1700% | 3,177 |
| Net loans and leases to deposits | 70.0521% | 2,783 |
| Net loans and leases to core deposits | 80.9690% | 2,412 |
| Total domestic deposits to total assets | 78.7600% | 3,755 |
| Equity capital to assets | 15.5154% | 476 |
| Core capital (leverage) ratio | 15.5082% | 528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $15,350,000 | 4,594 |
| Average earning assets | $14,667,667 | 4,556 |
| Average equity | $2,335,333 | 4,518 |
| Average total loans | $8,483,000 | 4,484 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9078% | 3,655 |
| Cost of funding earning assets | 0.5390% | 3,567 |
| Net interest margin | 3.3688% | 2,713 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.9739% | 1,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3620% | 4,150 |
| Return on assets (ROA) | 0.3620% | 4,104 |
| Pretax return on assets | 0.4655% | 4,035 |
| Return on Equity (ROE) | 2.4000% | 4,252 |
| Retained earnings to average equity (ytd only) | 2.4029% | 3,628 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.4662% | 489 |
| Assets per employee ($millions) | 3.1076% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 1,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 55.1700% | 3,101 |
| Net loans and leases to deposits | 72.4806% | 2,431 |
| Net loans and leases to core deposits | 83.8517% | 1,990 |
| Total domestic deposits to total assets | 76.1200% | 4,156 |
| Equity capital to assets | 15.0470% | 480 |
| Core capital (leverage) ratio | 15.3291% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $15,468,000 | 4,654 |
| Average earning assets | $14,842,000 | 4,626 |
| Average equity | $2,330,500 | 4,585 |
| Average total loans | $8,494,500 | 4,552 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5413% | 2,969 |
| Cost of funding earning assets | 0.2996% | 2,878 |
| Net interest margin | 3.2417% | 2,732 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.9647% | 1,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2836% | 4,377 |
| Return on assets (ROA) | 0.2836% | 4,350 |
| Pretax return on assets | 0.3480% | 4,332 |
| Return on Equity (ROE) | 1.9200% | 4,397 |
| Retained earnings to average equity (ytd only) | 1.9160% | 3,996 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 89.4942% | 318 |
| Assets per employee ($millions) | 3.0796% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 1,314 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 53.0800% | 3,279 |
| Net loans and leases to deposits | 69.2243% | 2,648 |
| Net loans and leases to core deposits | 80.1058% | 2,130 |
| Total domestic deposits to total assets | 76.6900% | 4,207 |
| Equity capital to assets | 15.0864% | 461 |
| Core capital (leverage) ratio | 15.0191% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $15,515,800 | 4,690 |
| Average earning assets | $14,683,800 | 4,658 |
| Average equity | $2,296,400 | 4,654 |
| Average total loans | $7,906,400 | 4,588 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4676% | 2,718 |
| Cost of funding earning assets | 0.3003% | 2,164 |
| Net interest margin | 3.1673% | 2,722 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.9676% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2058% | 4,471 |
| Return on assets (ROA) | 0.2058% | 4,440 |
| Pretax return on assets | 0.2573% | 4,417 |
| Return on Equity (ROE) | 1.4000% | 4,463 |
| Retained earnings to average equity (ytd only) | 1.3975% | 4,157 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 92.0213% | 274 |
| Assets per employee ($millions) | 3.1350% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 1,248 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 50.1100% | 3,449 |
| Net loans and leases to deposits | 61.7162% | 3,039 |
| Net loans and leases to core deposits | 72.2473% | 2,468 |
| Total domestic deposits to total assets | 81.1900% | 3,948 |
| Equity capital to assets | 14.7049% | 481 |
| Core capital (leverage) ratio | 14.6414% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $15,545,250 | 4,725 |
| Average earning assets | $14,649,500 | 4,696 |
| Average equity | $2,289,750 | 4,697 |
| Average total loans | $7,809,250 | 4,624 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3393% | 2,611 |
| Cost of funding earning assets | 0.3011% | 1,703 |
| Net interest margin | 3.0383% | 2,769 |
| Noninterest income to average assets | 0.2322% | 3,789 |
| Noninterest expense to average assets | 2.9545% | 903 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1161% | 4,501 |
| Return on assets (ROA) | 0.1161% | 4,468 |
| Pretax return on assets | 0.1419% | 4,456 |
| Return on Equity (ROE) | 0.7879% | 4,485 |
| Retained earnings to average equity (ytd only) | 0.7879% | 4,035 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4167% | 252 |
| Assets per employee ($millions) | 3.1622% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 1,370 |
| 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 | 49.8071% | 3,394 |
| Net loans and leases to deposits | 61.2459% | 2,952 |
| Net loans and leases to core deposits | 71.5714% | 2,371 |
| Total domestic deposits to total assets | 81.3231% | 4,089 |
| Equity capital to assets | 14.4773% | 465 |
| Core capital (leverage) ratio | 14.9091% | 482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,502,000 | 4,760 |
| Average earning assets | $14,613,667 | 4,741 |
| Average equity | $2,284,667 | 4,725 |
| Average total loans | $7,754,000 | 4,688 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3648% | 2,195 |
| Cost of funding earning assets | 0.2758% | 1,865 |
| Net interest margin | 3.0890% | 2,211 |
| Noninterest income to average assets | 0.2606% | 3,574 |
| Noninterest expense to average assets | 2.9972% | 816 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1564% | 4,394 |
| Return on assets (ROA) | 0.1564% | 4,363 |
| Pretax return on assets | 0.1824% | 4,342 |
| Return on Equity (ROE) | 1.0515% | 4,419 |
| Retained earnings to average equity (ytd only) | 1.0515% | 3,816 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2623% | 379 |
| Assets per employee ($millions) | 5.0793% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 1,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 49.0091% | 3,278 |
| Net loans and leases to deposits | 60.8540% | 2,824 |
| Net loans and leases to core deposits | 71.6905% | 2,141 |
| Total domestic deposits to total assets | 80.5355% | 4,246 |
| Equity capital to assets | 14.9954% | 394 |
| Core capital (leverage) ratio | 14.9513% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,347,500 | 4,787 |
| Average earning assets | $14,503,000 | 4,766 |
| Average equity | $2,282,500 | 4,753 |
| Average total loans | $7,633,000 | 4,717 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9971% | 1,361 |
| Cost of funding earning assets | 0.4174% | 1,417 |
| Net interest margin | 3.5797% | 1,523 |
| Noninterest income to average assets | 0.2278% | 4,016 |
| Noninterest expense to average assets | 2.9677% | 1,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5225% | 4,033 |
| Return on assets (ROA) | 0.5225% | 4,080 |
| Pretax return on assets | 0.6498% | 4,033 |
| Return on Equity (ROE) | 3.4698% | 4,299 |
| Retained earnings to average equity (ytd only) | 3.4698% | 3,426 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0370% | 671 |
| Assets per employee ($millions) | 5.1523% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5761% | 1,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 48.8840% | 3,416 |
| Net loans and leases to deposits | 60.6956% | 3,016 |
| Net loans and leases to core deposits | 71.3167% | 2,317 |
| Total domestic deposits to total assets | 80.5396% | 4,161 |
| Equity capital to assets | 14.7506% | 532 |
| Core capital (leverage) ratio | 14.9176% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,927,200 | 4,829 |
| Average earning assets | $14,135,400 | 4,811 |
| Average equity | $2,248,000 | 4,799 |
| Average total loans | $7,760,400 | 4,758 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1343% | 1,231 |
| Cost of funding earning assets | 0.4382% | 1,433 |
| Net interest margin | 3.6961% | 1,340 |
| Noninterest income to average assets | 0.2343% | 3,993 |
| Noninterest expense to average assets | 3.0731% | 857 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5317% | 4,140 |
| Return on assets (ROA) | 0.5317% | 4,186 |
| Pretax return on assets | 0.6579% | 4,144 |
| Return on Equity (ROE) | 3.5118% | 4,384 |
| Retained earnings to average equity (ytd only) | 3.5118% | 3,738 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3671% | 615 |
| Assets per employee ($millions) | 2.9770% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6778% | 1,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 47.6386% | 3,661 |
| Net loans and leases to deposits | 60.9664% | 3,144 |
| Net loans and leases to core deposits | 72.5274% | 2,375 |
| Total domestic deposits to total assets | 78.1391% | 4,414 |
| Equity capital to assets | 15.1965% | 513 |
| Core capital (leverage) ratio | 15.0850% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,794,750 | 4,903 |
| Average earning assets | $13,996,250 | 4,887 |
| Average equity | $2,240,000 | 4,873 |
| Average total loans | $7,781,250 | 4,825 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3990% | 852 |
| Cost of funding earning assets | 0.4442% | 1,563 |
| Net interest margin | 3.9548% | 880 |
| Noninterest income to average assets | 0.2167% | 4,110 |
| Noninterest expense to average assets | 3.0749% | 871 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7044% | 3,755 |
| Return on assets (ROA) | 0.7044% | 3,822 |
| Pretax return on assets | 0.8805% | 3,700 |
| Return on Equity (ROE) | 4.6581% | 4,197 |
| Retained earnings to average equity (ytd only) | 4.6581% | 3,310 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7397% | 929 |
| Assets per employee ($millions) | 3.0116% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 1,558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 52.4240% | 3,300 |
| Net loans and leases to deposits | 66.9948% | 2,721 |
| Net loans and leases to core deposits | 77.5518% | 2,089 |
| Total domestic deposits to total assets | 78.2508% | 4,413 |
| Equity capital to assets | 14.9754% | 533 |
| Core capital (leverage) ratio | 15.1719% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,764,667 | 4,939 |
| Average earning assets | $13,957,667 | 4,923 |
| Average equity | $2,232,667 | 4,908 |
| Average total loans | $7,971,000 | 4,861 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8283% | 469 |
| Cost of funding earning assets | 0.4337% | 1,838 |
| Net interest margin | 4.3947% | 431 |
| Noninterest income to average assets | 0.2189% | 4,077 |
| Noninterest expense to average assets | 3.1194% | 815 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0125% | 2,777 |
| Return on assets (ROA) | 1.0125% | 2,858 |
| Pretax return on assets | 1.2587% | 2,678 |
| Return on Equity (ROE) | 6.6622% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.6622% | 2,677 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2500% | 1,576 |
| Assets per employee ($millions) | 3.6598% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 1,558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 53.7947% | 3,266 |
| Net loans and leases to deposits | 69.2917% | 2,572 |
| Net loans and leases to core deposits | 80.6699% | 1,942 |
| Total domestic deposits to total assets | 77.6351% | 4,464 |
| Equity capital to assets | 15.3016% | 466 |
| Core capital (leverage) ratio | 15.3204% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,618,000 | 4,967 |
| Average earning assets | $13,835,000 | 4,950 |
| Average equity | $2,221,500 | 4,936 |
| Average total loans | $7,949,000 | 4,889 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3320% | 1,769 |
| Cost of funding earning assets | 0.5766% | 2,473 |
| Net interest margin | 3.7555% | 1,628 |
| Noninterest income to average assets | 0.2926% | 3,733 |
| Noninterest expense to average assets | 3.2329% | 999 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4754% | 4,081 |
| Return on assets (ROA) | 0.4754% | 4,164 |
| Pretax return on assets | 0.5851% | 4,107 |
| Return on Equity (ROE) | 2.9935% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.9935% | 3,361 |
| Net charge-offs to loans | -0.0132% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6743% | 587 |
| Assets per employee ($millions) | 3.6493% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 1,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 53.3055% | 3,548 |
| Net loans and leases to deposits | 68.6518% | 3,013 |
| Net loans and leases to core deposits | 79.9692% | 2,363 |
| Total domestic deposits to total assets | 77.6461% | 4,356 |
| Equity capital to assets | 15.0921% | 561 |
| Core capital (leverage) ratio | 15.4803% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $13,672,000 | 4,989 |
| Average earning assets | $12,834,600 | 4,975 |
| Average equity | $2,171,400 | 4,958 |
| Average total loans | $7,599,400 | 4,925 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4808% | 1,625 |
| Cost of funding earning assets | 0.6024% | 2,600 |
| Net interest margin | 3.8784% | 1,411 |
| Noninterest income to average assets | 0.2877% | 3,761 |
| Noninterest expense to average assets | 3.2735% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5357% | 3,944 |
| Return on assets (ROA) | 0.5357% | 4,032 |
| Pretax return on assets | 0.6547% | 3,996 |
| Return on Equity (ROE) | 3.3279% | 4,332 |
| Retained earnings to average equity (ytd only) | 3.3279% | 3,382 |
| Net charge-offs to loans | 0.0177% | 2,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 1,038 |
| Efficiency ratio | 83.3333% | 651 |
| Assets per employee ($millions) | 2.8434% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 1,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 54.1886% | 3,785 |
| Net loans and leases to deposits | 70.5301% | 3,263 |
| Net loans and leases to core deposits | 82.6609% | 2,607 |
| Total domestic deposits to total assets | 76.8306% | 4,346 |
| Equity capital to assets | 15.4182% | 553 |
| Core capital (leverage) ratio | 15.6930% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $13,440,750 | 5,022 |
| Average earning assets | $12,616,500 | 5,007 |
| Average equity | $2,163,500 | 4,991 |
| Average total loans | $7,523,750 | 4,957 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5030% | 1,904 |
| Cost of funding earning assets | 0.6479% | 2,713 |
| Net interest margin | 3.8551% | 1,681 |
| Noninterest income to average assets | 0.3186% | 3,557 |
| Noninterest expense to average assets | 3.3227% | 956 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5007% | 4,018 |
| Return on assets (ROA) | 0.5007% | 4,092 |
| Pretax return on assets | 0.6069% | 4,048 |
| Return on Equity (ROE) | 3.0641% | 4,340 |
| Retained earnings to average equity (ytd only) | 3.0641% | 3,361 |
| Net charge-offs to loans | 0.0269% | 2,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,249 |
| Efficiency ratio | 84.5560% | 607 |
| Assets per employee ($millions) | 3.3728% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 53.7173% | 3,898 |
| Net loans and leases to deposits | 68.1237% | 3,555 |
| Net loans and leases to core deposits | 80.2103% | 2,932 |
| Total domestic deposits to total assets | 78.8526% | 4,061 |
| Equity capital to assets | 16.0848% | 465 |
| Core capital (leverage) ratio | 16.3984% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $13,182,000 | 5,055 |
| Average earning assets | $12,347,333 | 5,041 |
| Average equity | $2,154,000 | 5,021 |
| Average total loans | $7,423,667 | 4,991 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6471% | 1,866 |
| Cost of funding earning assets | 0.6592% | 3,119 |
| Net interest margin | 3.9880% | 1,423 |
| Noninterest income to average assets | 0.3685% | 3,310 |
| Noninterest expense to average assets | 3.4389% | 1,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5220% | 3,836 |
| Return on assets (ROA) | 0.5220% | 3,892 |
| Pretax return on assets | 0.6448% | 3,826 |
| Return on Equity (ROE) | 3.1687% | 4,171 |
| Retained earnings to average equity (ytd only) | 3.1687% | 3,010 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2105% | 812 |
| Assets per employee ($millions) | 3.2858% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 1,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 56.1363% | 3,828 |
| Net loans and leases to deposits | 71.7914% | 3,449 |
| Net loans and leases to core deposits | 85.0588% | 2,756 |
| Total domestic deposits to total assets | 78.1937% | 4,184 |
| Equity capital to assets | 16.3890% | 522 |
| Core capital (leverage) ratio | 16.4691% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $13,027,500 | 5,104 |
| Average earning assets | $12,136,500 | 5,091 |
| Average equity | $2,146,000 | 5,068 |
| Average total loans | $7,452,000 | 5,037 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5719% | 2,706 |
| Cost of funding earning assets | 0.6068% | 3,610 |
| Net interest margin | 3.9651% | 1,956 |
| Noninterest income to average assets | 0.4078% | 3,245 |
| Noninterest expense to average assets | 3.3314% | 1,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6001% | 4,160 |
| Return on assets (ROA) | 0.6001% | 4,221 |
| Pretax return on assets | 0.7463% | 4,096 |
| Return on Equity (ROE) | 3.7192% | 4,528 |
| Retained earnings to average equity (ytd only) | 3.7192% | 3,128 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6981% | 816 |
| Assets per employee ($millions) | 3.2280% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 56.4126% | 3,895 |
| Net loans and leases to deposits | 72.4993% | 3,474 |
| Net loans and leases to core deposits | 86.2522% | 2,772 |
| Total domestic deposits to total assets | 77.8113% | 4,392 |
| Equity capital to assets | 16.5582% | 522 |
| Core capital (leverage) ratio | 16.7123% | 447 |
| Tier 1 risk-based capital ratio | 28.6557% | 527 |
| Total risk-based capital ratio | 29.9156% | 518 |
| Memoranda: | ||
| Average total assets | $12,997,600 | 5,163 |
| Average earning assets | $12,030,000 | 5,149 |
| Average equity | $2,097,200 | 5,131 |
| Average total loans | $7,162,600 | 5,104 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 2,912 |
| Cost of funding earning assets | 0.5973% | 3,715 |
| Net interest margin | 3.9484% | 2,108 |
| Noninterest income to average assets | 0.4199% | 3,203 |
| Noninterest expense to average assets | 3.4001% | 1,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5530% | 4,399 |
| Return on assets (ROA) | 0.5530% | 4,453 |
| Pretax return on assets | 0.6759% | 4,397 |
| Return on Equity (ROE) | 3.4499% | 4,691 |
| Retained earnings to average equity (ytd only) | 3.4499% | 3,687 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4171% | 653 |
| Assets per employee ($millions) | 3.1918% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 54.0691% | 4,179 |
| Net loans and leases to deposits | 69.7343% | 3,783 |
| Net loans and leases to core deposits | 83.1987% | 3,161 |
| Total domestic deposits to total assets | 77.5358% | 4,438 |
| Equity capital to assets | 16.5583% | 549 |
| Core capital (leverage) ratio | 16.5260% | 501 |
| Tier 1 risk-based capital ratio | 29.6618% | 495 |
| Total risk-based capital ratio | 30.9106% | 487 |
| Memoranda: | ||
| Average total assets | $13,019,000 | 5,238 |
| Average earning assets | $12,055,250 | 5,226 |
| Average equity | $2,087,000 | 5,209 |
| Average total loans | $7,101,750 | 5,184 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 3,120 |
| Cost of funding earning assets | 0.5584% | 3,846 |
| Net interest margin | 3.9085% | 2,221 |
| Noninterest income to average assets | 0.4426% | 3,000 |
| Noninterest expense to average assets | 3.3580% | 1,178 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5800% | 4,357 |
| Return on assets (ROA) | 0.5800% | 4,397 |
| Pretax return on assets | 0.7174% | 4,292 |
| Return on Equity (ROE) | 3.6574% | 4,658 |
| Retained earnings to average equity (ytd only) | 3.6574% | 3,425 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3970% | 777 |
| Assets per employee ($millions) | 3.2445% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 53.9297% | 4,215 |
| Net loans and leases to deposits | 69.3382% | 3,896 |
| Net loans and leases to core deposits | 82.4187% | 3,243 |
| Total domestic deposits to total assets | 77.7778% | 4,440 |
| Equity capital to assets | 16.1658% | 592 |
| Core capital (leverage) ratio | 16.2334% | 522 |
| Tier 1 risk-based capital ratio | 29.2079% | 508 |
| Total risk-based capital ratio | 30.4608% | 500 |
| Memoranda: | ||
| Average total assets | $13,103,000 | 5,285 |
| Average earning assets | $12,178,670 | 5,272 |
| Average equity | $2,078,000 | 5,252 |
| Average total loans | $7,127,330 | 5,233 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 3,212 |
| Cost of funding earning assets | 0.5220% | 3,965 |
| Net interest margin | 3.8822% | 2,245 |
| Noninterest income to average assets | 0.3342% | 3,630 |
| Noninterest expense to average assets | 3.3117% | 1,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5165% | 4,473 |
| Return on assets (ROA) | 0.5165% | 4,494 |
| Pretax return on assets | 0.6380% | 4,446 |
| Return on Equity (ROE) | 3.2882% | 4,725 |
| Retained earnings to average equity (ytd only) | 3.2882% | 3,606 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8462% | 718 |
| Assets per employee ($millions) | 3.2773% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7224% | 820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 53.1009% | 4,264 |
| Net loans and leases to deposits | 68.1182% | 3,918 |
| Net loans and leases to core deposits | 80.7822% | 3,297 |
| Total domestic deposits to total assets | 77.9541% | 4,523 |
| Equity capital to assets | 15.8364% | 599 |
| Core capital (leverage) ratio | 15.9533% | 539 |
| Tier 1 risk-based capital ratio | 27.1337% | 606 |
| Total risk-based capital ratio | 28.3884% | 597 |
| Memoranda: | ||
| Average total assets | $13,165,500 | 5,342 |
| Average earning assets | $12,261,000 | 5,330 |
| Average equity | $2,068,000 | 5,307 |
| Average total loans | $7,131,000 | 5,292 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 3,529 |
| Cost of funding earning assets | 0.5010% | 3,349 |
| Net interest margin | 3.6689% | 3,162 |
| Noninterest income to average assets | 0.5474% | 2,563 |
| Noninterest expense to average assets | 3.0521% | 1,926 |
| Loan and lease loss provision to assets | 0.0075% | 3,969 |
| Net operating income to assets | 0.7274% | 4,047 |
| Return on assets (ROA) | 0.7274% | 4,053 |
| Pretax return on assets | 0.8924% | 3,916 |
| Return on Equity (ROE) | 4.8244% | 4,498 |
| Retained earnings to average equity (ytd only) | 4.8244% | 2,877 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2296% | 1,209 |
| Assets per employee ($millions) | 3.3055% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 53.3732% | 4,323 |
| Net loans and leases to deposits | 68.2495% | 3,957 |
| Net loans and leases to core deposits | 80.7529% | 3,372 |
| Total domestic deposits to total assets | 78.2030% | 4,458 |
| Equity capital to assets | 15.5801% | 603 |
| Core capital (leverage) ratio | 15.7324% | 563 |
| Tier 1 risk-based capital ratio | 28.4413% | 541 |
| Total risk-based capital ratio | 29.6976% | 535 |
| Memoranda: | ||
| Average total assets | $13,335,000 | 5,388 |
| Average earning assets | $12,374,200 | 5,377 |
| Average equity | $2,010,600 | 5,355 |
| Average total loans | $7,012,000 | 5,340 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 3,563 |
| Cost of funding earning assets | 0.5059% | 3,161 |
| Net interest margin | 3.6162% | 3,314 |
| Noninterest income to average assets | 0.5886% | 2,372 |
| Noninterest expense to average assets | 3.0132% | 1,981 |
| Loan and lease loss provision to assets | 0.0100% | 3,789 |
| Net operating income to assets | 0.7383% | 4,116 |
| Return on assets (ROA) | 0.7383% | 4,125 |
| Pretax return on assets | 0.9179% | 3,953 |
| Return on Equity (ROE) | 4.9373% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.9373% | 3,270 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4557% | 1,292 |
| Assets per employee ($millions) | 3.2303% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7630% | 777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 52.6120% | 4,451 |
| Net loans and leases to deposits | 67.8443% | 4,068 |
| Net loans and leases to core deposits | 80.7459% | 3,439 |
| Total domestic deposits to total assets | 77.5482% | 4,554 |
| Equity capital to assets | 15.7728% | 573 |
| Core capital (leverage) ratio | 15.5052% | 596 |
| Tier 1 risk-based capital ratio | 28.7691% | 529 |
| Total risk-based capital ratio | 30.0254% | 523 |
| Memoranda: | ||
| Average total assets | $13,363,250 | 5,458 |
| Average earning assets | $12,388,500 | 5,449 |
| Average equity | $1,998,250 | 5,427 |
| Average total loans | $6,970,250 | 5,411 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9941% | 3,802 |
| Cost of funding earning assets | 0.4793% | 3,165 |
| Net interest margin | 3.5148% | 3,584 |
| Noninterest income to average assets | 0.5921% | 2,367 |
| Noninterest expense to average assets | 2.9458% | 2,207 |
| Loan and lease loss provision to assets | 0.0148% | 3,581 |
| Net operating income to assets | 0.7254% | 4,119 |
| Return on assets (ROA) | 0.7254% | 4,126 |
| Pretax return on assets | 0.8882% | 3,994 |
| Return on Equity (ROE) | 4.9370% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.9370% | 3,108 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5385% | 1,363 |
| Assets per employee ($millions) | 3.3828% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7322% | 853 |
| Loan loss allowance to noncurrent loans | 642.1053% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 4,285 |
| Noncurrent loans to loans | 0.2698% | 3,746 |
| Net loans and leases to total assets | 51.1492% | 4,533 |
| Net loans and leases to deposits | 65.1940% | 4,210 |
| Net loans and leases to core deposits | 76.7635% | 3,680 |
| Total domestic deposits to total assets | 78.4569% | 4,517 |
| Equity capital to assets | 14.8622% | 714 |
| Core capital (leverage) ratio | 14.9162% | 690 |
| Tier 1 risk-based capital ratio | 27.8648% | 564 |
| Total risk-based capital ratio | 29.1257% | 558 |
| Memoranda: | ||
| Average total assets | $13,510,670 | 5,522 |
| Average earning assets | $12,518,330 | 5,512 |
| Average equity | $1,985,000 | 5,489 |
| Average total loans | $6,987,000 | 5,472 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9146% | 3,885 |
| Cost of funding earning assets | 0.4492% | 3,205 |
| Net interest margin | 3.4654% | 3,656 |
| Noninterest income to average assets | 0.4148% | 3,355 |
| Noninterest expense to average assets | 2.9036% | 2,353 |
| Loan and lease loss provision to assets | 0.0296% | 3,122 |
| Net operating income to assets | 0.5333% | 4,617 |
| Return on assets (ROA) | 0.5333% | 4,621 |
| Pretax return on assets | 0.6815% | 4,495 |
| Return on Equity (ROE) | 3.6511% | 4,858 |
| Retained earnings to average equity (ytd only) | 3.6511% | 3,740 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3279% | 1,102 |
| Assets per employee ($millions) | 3.4033% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7930% | 798 |
| Loan loss allowance to noncurrent loans | 647.3684% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 4,242 |
| Noncurrent loans to loans | 0.2770% | 3,779 |
| Net loans and leases to total assets | 49.4895% | 4,596 |
| Net loans and leases to deposits | 63.0156% | 4,273 |
| Net loans and leases to core deposits | 74.1063% | 3,818 |
| Total domestic deposits to total assets | 78.5352% | 4,643 |
| Equity capital to assets | 14.5523% | 765 |
| Core capital (leverage) ratio | 14.9577% | 666 |
| Tier 1 risk-based capital ratio | 27.8739% | 565 |
| Total risk-based capital ratio | 29.1262% | 560 |
| Memoranda: | ||
| Average total assets | $13,500,500 | 5,585 |
| Average earning assets | $12,466,000 | 5,573 |
| Average equity | $1,972,000 | 5,547 |
| Average total loans | $6,959,000 | 5,533 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8918% | 3,753 |
| Cost of funding earning assets | 0.4815% | 2,488 |
| Net interest margin | 3.4103% | 3,818 |
| Noninterest income to average assets | 0.4690% | 3,196 |
| Noninterest expense to average assets | 3.0341% | 2,061 |
| Loan and lease loss provision to assets | 0.0073% | 4,118 |
| Net operating income to assets | 0.4251% | 4,606 |
| Return on assets (ROA) | 0.4251% | 4,629 |
| Pretax return on assets | 0.5936% | 4,755 |
| Return on Equity (ROE) | 2.9974% | 4,827 |
| Retained earnings to average equity (ytd only) | 2.9974% | 3,504 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4677% | 814 |
| Assets per employee ($millions) | 3.3470% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7427% | 873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,995 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 51.8001% | 4,530 |
| Net loans and leases to deposits | 65.7658% | 4,207 |
| Net loans and leases to core deposits | 77.5293% | 3,625 |
| Total domestic deposits to total assets | 78.7646% | 4,588 |
| Equity capital to assets | 14.6624% | 743 |
| Core capital (leverage) ratio | 14.6777% | 688 |
| Tier 1 risk-based capital ratio | 27.2450% | 584 |
| Total risk-based capital ratio | 28.4941% | 574 |
| Memoranda: | ||
| Average total assets | $13,644,800 | 5,649 |
| Average earning assets | $12,667,600 | 5,637 |
| Average equity | $1,935,000 | 5,615 |
| Average total loans | $7,346,000 | 5,592 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 3,782 |
| Cost of funding earning assets | 0.4924% | 2,335 |
| Net interest margin | 3.3729% | 3,938 |
| Noninterest income to average assets | 0.5057% | 2,999 |
| Noninterest expense to average assets | 3.0636% | 1,911 |
| Loan and lease loss provision to assets | 0.0097% | 3,941 |
| Net operating income to assets | 0.4765% | 4,803 |
| Return on assets (ROA) | 0.4765% | 4,843 |
| Pretax return on assets | 0.5641% | 4,901 |
| Return on Equity (ROE) | 3.3885% | 5,014 |
| Retained earnings to average equity (ytd only) | 3.3885% | 3,910 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2246% | 738 |
| Assets per employee ($millions) | 3.4163% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6588% | 1,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 5,049 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 53.3626% | 4,468 |
| Net loans and leases to deposits | 70.1694% | 3,944 |
| Net loans and leases to core deposits | 82.9390% | 3,220 |
| Total domestic deposits to total assets | 76.0483% | 5,011 |
| Equity capital to assets | 14.2920% | 915 |
| Core capital (leverage) ratio | 14.3192% | 812 |
| Tier 1 risk-based capital ratio | 25.9535% | 683 |
| Total risk-based capital ratio | 27.2027% | 669 |
| Memoranda: | ||
| Average total assets | $13,709,000 | 5,715 |
| Average earning assets | $12,728,500 | 5,701 |
| Average equity | $1,928,000 | 5,680 |
| Average total loans | $7,418,000 | 5,650 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7814% | 3,956 |
| Cost of funding earning assets | 0.5000% | 2,162 |
| Net interest margin | 3.2814% | 4,164 |
| Noninterest income to average assets | 0.5392% | 2,768 |
| Noninterest expense to average assets | 3.0458% | 1,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4663% | 4,806 |
| Return on assets (ROA) | 0.4663% | 4,833 |
| Pretax return on assets | 0.5538% | 4,899 |
| Return on Equity (ROE) | 3.3339% | 5,030 |
| Retained earnings to average equity (ytd only) | 3.3339% | 3,733 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 793 |
| Assets per employee ($millions) | 3.4420% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6219% | 1,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 5,021 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 53.7478% | 4,415 |
| Net loans and leases to deposits | 67.4383% | 4,115 |
| Net loans and leases to core deposits | 81.5607% | 3,291 |
| Total domestic deposits to total assets | 79.6993% | 4,482 |
| Equity capital to assets | 14.0616% | 941 |
| Core capital (leverage) ratio | 14.2207% | 800 |
| Tier 1 risk-based capital ratio | 26.4589% | 644 |
| Total risk-based capital ratio | 27.7163% | 625 |
| Memoranda: | ||
| Average total assets | $13,723,670 | 5,764 |
| Average earning assets | $12,799,330 | 5,751 |
| Average equity | $1,919,670 | 5,728 |
| Average total loans | $7,419,000 | 5,700 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7374% | 3,984 |
| Cost of funding earning assets | 0.4983% | 2,099 |
| Net interest margin | 3.2391% | 4,217 |
| Noninterest income to average assets | 0.5255% | 2,793 |
| Noninterest expense to average assets | 3.0362% | 2,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4379% | 4,822 |
| Return on assets (ROA) | 0.4379% | 4,849 |
| Pretax return on assets | 0.5255% | 4,914 |
| Return on Equity (ROE) | 3.1389% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.1389% | 3,845 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2459% | 867 |
| Assets per employee ($millions) | 3.3905% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6730% | 1,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 5,049 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 53.3033% | 4,392 |
| Net loans and leases to deposits | 67.2278% | 4,067 |
| Net loans and leases to core deposits | 81.6559% | 3,121 |
| Total domestic deposits to total assets | 79.2877% | 4,772 |
| Equity capital to assets | 14.1498% | 863 |
| Core capital (leverage) ratio | 14.0360% | 833 |
| Tier 1 risk-based capital ratio | 25.7792% | 702 |
| Total risk-based capital ratio | 27.0285% | 685 |
| Memoranda: | ||
| Average total assets | $13,701,500 | 5,832 |
| Average earning assets | $12,843,000 | 5,820 |
| Average equity | $1,911,500 | 5,793 |
| Average total loans | $7,367,500 | 5,767 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 3,355 |
| Cost of funding earning assets | 0.5485% | 1,705 |
| Net interest margin | 3.4085% | 3,793 |
| Noninterest income to average assets | 0.5169% | 3,117 |
| Noninterest expense to average assets | 3.1158% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4877% | 4,679 |
| Return on assets (ROA) | 0.4877% | 4,757 |
| Pretax return on assets | 0.5678% | 4,877 |
| Return on Equity (ROE) | 3.5833% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.5833% | 3,378 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5850% | 956 |
| Assets per employee ($millions) | 3.4603% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 1,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 5,024 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 52.4529% | 4,569 |
| Net loans and leases to deposits | 65.8922% | 4,250 |
| Net loans and leases to core deposits | 77.4979% | 3,605 |
| Total domestic deposits to total assets | 79.6041% | 4,656 |
| Equity capital to assets | 13.7562% | 968 |
| Core capital (leverage) ratio | 13.7971% | 870 |
| Tier 1 risk-based capital ratio | 25.3124% | 742 |
| Total risk-based capital ratio | 26.5621% | 730 |
| Memoranda: | ||
| Average total assets | $13,736,600 | 5,888 |
| Average earning assets | $12,762,200 | 5,876 |
| Average equity | $1,869,800 | 5,856 |
| Average total loans | $7,844,000 | 5,817 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9760% | 3,308 |
| Cost of funding earning assets | 0.5665% | 1,571 |
| Net interest margin | 3.4095% | 3,806 |
| Noninterest income to average assets | 0.5543% | 2,893 |
| Noninterest expense to average assets | 3.1703% | 1,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4668% | 4,814 |
| Return on assets (ROA) | 0.4668% | 4,891 |
| Pretax return on assets | 0.5446% | 5,021 |
| Return on Equity (ROE) | 3.4385% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.4385% | 3,837 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3403% | 874 |
| Assets per employee ($millions) | 3.4093% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 1,604 |
| Loan loss allowance to noncurrent loans | 946.1538% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 4,705 |
| Noncurrent loans to loans | 0.1641% | 4,700 |
| Net loans and leases to total assets | 57.1753% | 4,178 |
| Net loans and leases to deposits | 73.4665% | 3,643 |
| Net loans and leases to core deposits | 86.9910% | 2,846 |
| Total domestic deposits to total assets | 77.8250% | 4,945 |
| Equity capital to assets | 13.8300% | 1,104 |
| Core capital (leverage) ratio | 14.0620% | 828 |
| Tier 1 risk-based capital ratio | 24.3858% | 868 |
| Total risk-based capital ratio | 25.6400% | 854 |
| Memoranda: | ||
| Average total assets | $13,710,500 | 5,952 |
| Average earning assets | $12,709,250 | 5,941 |
| Average equity | $1,861,250 | 5,920 |
| Average total loans | $7,959,250 | 5,877 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 3,375 |
| Cost of funding earning assets | 0.5640% | 1,585 |
| Net interest margin | 3.3996% | 3,891 |
| Noninterest income to average assets | 0.5825% | 2,712 |
| Noninterest expense to average assets | 3.1889% | 1,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4805% | 4,762 |
| Return on assets (ROA) | 0.4805% | 4,859 |
| Pretax return on assets | 0.5533% | 5,013 |
| Return on Equity (ROE) | 3.5618% | 5,073 |
| Retained earnings to average equity (ytd only) | 3.5618% | 3,627 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2140% | 951 |
| Assets per employee ($millions) | 2.7064% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 1,673 |
| Loan loss allowance to noncurrent loans | 40.8638% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 2.3278% | 637 |
| Noncurrent loans to loans | 3.7933% | 333 |
| Net loans and leases to total assets | 57.7298% | 4,143 |
| Net loans and leases to deposits | 73.5455% | 3,649 |
| Net loans and leases to core deposits | 87.0709% | 2,807 |
| Total domestic deposits to total assets | 78.4954% | 4,897 |
| Equity capital to assets | 13.8117% | 1,089 |
| Core capital (leverage) ratio | 13.3529% | 1,036 |
| Tier 1 risk-based capital ratio | 24.1942% | 884 |
| Total risk-based capital ratio | 25.4498% | 870 |
| Memoranda: | ||
| Average total assets | $13,735,000 | 6,029 |
| Average earning assets | $12,766,330 | 6,017 |
| Average equity | $1,853,000 | 5,998 |
| Average total loans | $7,972,330 | 5,952 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9162% | 3,528 |
| Cost of funding earning assets | 0.5905% | 1,404 |
| Net interest margin | 3.3257% | 4,123 |
| Noninterest income to average assets | 0.6360% | 2,339 |
| Noninterest expense to average assets | 3.2089% | 1,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4336% | 4,886 |
| Return on assets (ROA) | 0.4336% | 4,965 |
| Pretax return on assets | 0.5204% | 5,029 |
| Return on Equity (ROE) | 3.2520% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.2520% | 3,869 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0465% | 971 |
| Assets per employee ($millions) | 2.7596% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 1,836 |
| Loan loss allowance to noncurrent loans | 40.4605% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 2.3119% | 679 |
| Noncurrent loans to loans | 3.8014% | 329 |
| Net loans and leases to total assets | 57.0662% | 4,141 |
| Net loans and leases to deposits | 74.5432% | 3,367 |
| Net loans and leases to core deposits | 88.3429% | 2,532 |
| Total domestic deposits to total assets | 76.5546% | 5,354 |
| Equity capital to assets | 13.4295% | 1,207 |
| Core capital (leverage) ratio | 13.2291% | 1,069 |
| Tier 1 risk-based capital ratio | 23.4409% | 972 |
| Total risk-based capital ratio | 24.6932% | 963 |
| Memoranda: | ||
| Average total assets | $13,836,500 | 6,090 |
| Average earning assets | $12,869,500 | 6,078 |
| Average equity | $1,845,000 | 6,058 |
| Average total loans | $7,991,000 | 6,008 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8683% | 3,819 |
| Cost of funding earning assets | 0.6108% | 1,308 |
| Net interest margin | 3.2575% | 4,444 |
| Noninterest income to average assets | 0.5991% | 2,721 |
| Noninterest expense to average assets | 3.1012% | 2,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4722% | 4,801 |
| Return on assets (ROA) | 0.4722% | 4,882 |
| Pretax return on assets | 0.5427% | 5,011 |
| Return on Equity (ROE) | 3.7115% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.7115% | 3,409 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1064% | 1,079 |
| Assets per employee ($millions) | 2.7750% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 1,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 56.6703% | 4,236 |
| Net loans and leases to deposits | 73.8865% | 3,508 |
| Net loans and leases to core deposits | 87.4444% | 2,657 |
| Total domestic deposits to total assets | 76.6991% | 5,367 |
| Equity capital to assets | 13.2396% | 1,238 |
| Core capital (leverage) ratio | 12.8659% | 1,200 |
| Tier 1 risk-based capital ratio | 24.1044% | 915 |
| Total risk-based capital ratio | 25.3641% | 893 |
| Memoranda: | ||
| Average total assets | $14,188,000 | 6,150 |
| Average earning assets | $13,261,800 | 6,138 |
| Average equity | $1,805,200 | 6,120 |
| Average total loans | $7,451,800 | 6,077 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8457% | 3,952 |
| Cost of funding earning assets | 0.6293% | 1,218 |
| Net interest margin | 3.2164% | 4,624 |
| Noninterest income to average assets | 0.5981% | 2,754 |
| Noninterest expense to average assets | 3.0468% | 2,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4766% | 4,868 |
| Return on assets (ROA) | 0.4766% | 4,971 |
| Pretax return on assets | 0.5608% | 5,068 |
| Return on Equity (ROE) | 3.7836% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.7836% | 3,775 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4560% | 1,125 |
| Assets per employee ($millions) | 2.8246% | 5,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5667% | 1,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 5,138 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 54.7193% | 4,491 |
| Net loans and leases to deposits | 72.1232% | 3,752 |
| Net loans and leases to core deposits | 85.2510% | 2,930 |
| Total domestic deposits to total assets | 75.8691% | 5,508 |
| Equity capital to assets | 12.9009% | 1,505 |
| Core capital (leverage) ratio | 12.6116% | 1,356 |
| Tier 1 risk-based capital ratio | 22.1466% | 1,177 |
| Total risk-based capital ratio | 23.3986% | 1,153 |
| Memoranda: | ||
| Average total assets | $14,266,250 | 6,236 |
| Average earning assets | $13,347,750 | 6,223 |
| Average equity | $1,797,250 | 6,206 |
| Average total loans | $7,318,500 | 6,161 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8050% | 4,047 |
| Cost of funding earning assets | 0.6416% | 1,152 |
| Net interest margin | 3.1634% | 4,778 |
| Noninterest income to average assets | 0.5729% | 2,891 |
| Noninterest expense to average assets | 2.9621% | 2,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4611% | 4,940 |
| Return on assets (ROA) | 0.4611% | 5,030 |
| Pretax return on assets | 0.5729% | 5,038 |
| Return on Equity (ROE) | 3.6892% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.6892% | 3,675 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7945% | 1,284 |
| Assets per employee ($millions) | 2.8196% | 5,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 1,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 5,252 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 52.0499% | 4,750 |
| Net loans and leases to deposits | 66.8184% | 4,244 |
| Net loans and leases to core deposits | 78.6327% | 3,517 |
| Total domestic deposits to total assets | 77.8976% | 5,299 |
| Equity capital to assets | 12.8032% | 1,493 |
| Core capital (leverage) ratio | 12.4818% | 1,392 |
| Tier 1 risk-based capital ratio | 21.5832% | 1,271 |
| Total risk-based capital ratio | 22.8387% | 1,252 |
| Memoranda: | ||
| Average total assets | $14,314,000 | 6,314 |
| Average earning assets | $13,403,330 | 6,296 |
| Average equity | $1,789,000 | 6,280 |
| Average total loans | $7,141,000 | 6,238 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 3,432 |
| Cost of funding earning assets | 0.6528% | 1,101 |
| Net interest margin | 3.2938% | 4,249 |
| Noninterest income to average assets | 0.5824% | 2,753 |
| Noninterest expense to average assets | 2.8290% | 3,145 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5270% | 4,558 |
| Return on assets (ROA) | 0.5270% | 4,675 |
| Pretax return on assets | 0.8321% | 4,120 |
| Return on Equity (ROE) | 4.2673% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.2673% | 3,455 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2727% | 2,301 |
| Assets per employee ($millions) | 2.8974% | 5,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7948% | 1,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 5,345 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 46.4554% | 5,167 |
| Net loans and leases to deposits | 58.7824% | 4,852 |
| Net loans and leases to core deposits | 68.6805% | 4,270 |
| Total domestic deposits to total assets | 79.0295% | 5,258 |
| Equity capital to assets | 12.3628% | 1,777 |
| Core capital (leverage) ratio | 12.2596% | 1,475 |
| Tier 1 risk-based capital ratio | 22.5595% | 1,164 |
| Total risk-based capital ratio | 23.8821% | 1,138 |
| Memoranda: | ||
| Average total assets | $14,422,000 | 6,382 |
| Average earning assets | $13,480,000 | 6,366 |
| Average equity | $1,781,000 | 6,345 |
| Average total loans | $6,981,000 | 6,312 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5949% | 5,091 |
| Cost of funding earning assets | 0.6963% | 1,134 |
| Net interest margin | 2.8987% | 5,648 |
| Noninterest income to average assets | 0.9732% | 1,275 |
| Noninterest expense to average assets | 3.0055% | 2,824 |
| Loan and lease loss provision to assets | 0.1721% | 1,510 |
| Net operating income to assets | 0.3641% | 5,341 |
| Return on assets (ROA) | 0.3641% | 5,412 |
| Pretax return on assets | 0.4965% | 5,264 |
| Return on Equity (ROE) | 3.1569% | 5,420 |
| Retained earnings to average equity (ytd only) | 3.1569% | 3,991 |
| Net charge-offs to loans | -0.1962% | 6,260 |
| Credit loss provision to net charge-offs | -185.7143% | 5,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8018% | 1,686 |
| Assets per employee ($millions) | 2.8714% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7302% | 1,699 |
| Loan loss allowance to noncurrent loans | 32.6260% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 2.7791% | 781 |
| Noncurrent loans to loans | 5.3031% | 257 |
| Net loans and leases to total assets | 48.6592% | 5,102 |
| Net loans and leases to deposits | 62.2139% | 4,708 |
| Net loans and leases to core deposits | 72.9304% | 4,036 |
| Total domestic deposits to total assets | 78.2127% | 5,392 |
| Equity capital to assets | 12.3354% | 1,748 |
| Core capital (leverage) ratio | 11.8051% | 1,758 |
| Tier 1 risk-based capital ratio | 22.2292% | 1,191 |
| Total risk-based capital ratio | 23.4593% | 1,172 |
| Memoranda: | ||
| Average total assets | $15,105,400 | 6,464 |
| Average earning assets | $14,075,400 | 6,446 |
| Average equity | $1,742,200 | 6,434 |
| Average total loans | $7,135,600 | 6,392 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6851% | 4,905 |
| Cost of funding earning assets | 0.7126% | 1,093 |
| Net interest margin | 2.9724% | 5,558 |
| Noninterest income to average assets | 0.7149% | 2,259 |
| Noninterest expense to average assets | 2.9818% | 2,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3923% | 5,271 |
| Return on assets (ROA) | 0.3923% | 5,353 |
| Pretax return on assets | 0.4970% | 5,334 |
| Return on Equity (ROE) | 3.4582% | 5,379 |
| Retained earnings to average equity (ytd only) | 3.4582% | 4,167 |
| Net charge-offs to loans | -0.2614% | 6,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7143% | 1,210 |
| Assets per employee ($millions) | 2.9980% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8831% | 1,491 |
| Loan loss allowance to noncurrent loans | 618.1818% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 5,602 |
| Noncurrent loans to loans | 0.3046% | 4,996 |
| Net loans and leases to total assets | 47.2715% | 5,272 |
| Net loans and leases to deposits | 59.9949% | 4,944 |
| Net loans and leases to core deposits | 69.7372% | 4,346 |
| Total domestic deposits to total assets | 78.7925% | 5,374 |
| Equity capital to assets | 11.7678% | 2,251 |
| Core capital (leverage) ratio | 11.4919% | 2,073 |
| Tier 1 risk-based capital ratio | 21.5859% | 1,324 |
| Total risk-based capital ratio | 22.8463% | 1,306 |
| Memoranda: | ||
| Average total assets | $15,292,500 | 6,544 |
| Average earning assets | $14,219,250 | 6,526 |
| Average equity | $1,735,000 | 6,511 |
| Average total loans | $7,142,250 | 6,465 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5865% | 5,184 |
| Cost of funding earning assets | 0.7285% | 1,026 |
| Net interest margin | 2.8580% | 5,804 |
| Noninterest income to average assets | 0.5197% | 3,343 |
| Noninterest expense to average assets | 2.9493% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2079% | 5,811 |
| Return on assets (ROA) | 0.2079% | 5,871 |
| Pretax return on assets | 0.2209% | 5,917 |
| Return on Equity (ROE) | 1.8547% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.8547% | 4,959 |
| Net charge-offs to loans | -0.3935% | 6,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0328% | 691 |
| Assets per employee ($millions) | 3.0596% | 5,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9096% | 1,564 |
| Loan loss allowance to noncurrent loans | 618.1818% | 765 |
| Noncurrent assets plus other real estate owned to assets | 1.3400% | 2,445 |
| Noncurrent loans to loans | 0.3089% | 5,091 |
| Net loans and leases to total assets | 45.6661% | 5,398 |
| Net loans and leases to deposits | 57.2201% | 5,101 |
| Net loans and leases to core deposits | 66.1616% | 4,620 |
| Total domestic deposits to total assets | 79.8078% | 5,283 |
| Equity capital to assets | 11.3283% | 2,579 |
| Core capital (leverage) ratio | 11.1641% | 2,281 |
| Tier 1 risk-based capital ratio | 20.9325% | 1,460 |
| Total risk-based capital ratio | 22.0920% | 1,454 |
| Memoranda: | ||
| Average total assets | $15,393,330 | 6,607 |
| Average earning assets | $14,275,670 | 6,593 |
| Average equity | $1,725,330 | 6,574 |
| Average total loans | $7,115,670 | 6,529 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6090% | 5,145 |
| Cost of funding earning assets | 0.7274% | 1,092 |
| Net interest margin | 2.8816% | 5,789 |
| Noninterest income to average assets | 0.5699% | 2,917 |
| Noninterest expense to average assets | 2.9791% | 2,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2591% | 5,632 |
| Return on assets (ROA) | 0.2591% | 5,674 |
| Pretax return on assets | 0.2591% | 5,807 |
| Return on Equity (ROE) | 2.3236% | 5,699 |
| Retained earnings to average equity (ytd only) | 2.3236% | 4,671 |
| Net charge-offs to loans | -0.7873% | 6,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0000% | 883 |
| Assets per employee ($millions) | 3.0430% | 5,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9426% | 1,641 |
| Loan loss allowance to noncurrent loans | 715.7895% | 689 |
| Noncurrent assets plus other real estate owned to assets | 1.3736% | 2,576 |
| Noncurrent loans to loans | 0.2714% | 5,291 |
| Net loans and leases to total assets | 45.1199% | 5,417 |
| Net loans and leases to deposits | 57.0562% | 5,027 |
| Net loans and leases to core deposits | 66.1241% | 4,477 |
| Total domestic deposits to total assets | 79.0799% | 5,671 |
| Equity capital to assets | 11.3441% | 2,382 |
| Core capital (leverage) ratio | 10.9455% | 2,438 |
| Tier 1 risk-based capital ratio | 21.1987% | 1,434 |
| Total risk-based capital ratio | 22.3778% | 1,426 |
| Memoranda: | ||
| Average total assets | $15,441,000 | 6,679 |
| Average earning assets | $14,297,500 | 6,665 |
| Average equity | $1,721,500 | 6,639 |
| Average total loans | $7,112,500 | 6,599 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 4,983 |
| Cost of funding earning assets | 0.7747% | 1,348 |
| Net interest margin | 2.9731% | 5,637 |
| Noninterest income to average assets | 0.5292% | 3,558 |
| Noninterest expense to average assets | 3.1294% | 2,644 |
| Loan and lease loss provision to assets | 0.2025% | 1,837 |
| Net operating income to assets | -0.0196% | 6,234 |
| Return on assets (ROA) | -0.0196% | 6,271 |
| Pretax return on assets | -0.0196% | 6,246 |
| Return on Equity (ROE) | -0.1744% | 6,273 |
| Retained earnings to average equity (ytd only) | -0.1744% | 5,909 |
| Net charge-offs to loans | 0.7212% | 897 |
| Credit loss provision to net charge-offs | 60.7843% | 3,537 |
| Earnings coverage of net charge-offs (x) | 0.5490% | 4,897 |
| Efficiency ratio | 94.4773% | 718 |
| Assets per employee ($millions) | 3.1334% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6888% | 2,435 |
| Loan loss allowance to noncurrent loans | 554.5455% | 875 |
| Noncurrent assets plus other real estate owned to assets | 1.3532% | 2,719 |
| Noncurrent loans to loans | 0.3045% | 5,277 |
| Net loans and leases to total assets | 45.3310% | 5,549 |
| Net loans and leases to deposits | 60.6905% | 4,873 |
| Net loans and leases to core deposits | 70.6526% | 4,228 |
| Total domestic deposits to total assets | 74.6920% | 6,229 |
| Equity capital to assets | 10.9593% | 2,652 |
| Core capital (leverage) ratio | 10.7012% | 2,678 |
| Tier 1 risk-based capital ratio | 19.9489% | 1,665 |
| Total risk-based capital ratio | 21.2037% | 1,638 |
| Memoranda: | ||
| Average total assets | $15,306,400 | 6,759 |
| Average earning assets | $14,328,400 | 6,746 |
| Average equity | $1,720,600 | 6,732 |
| Average total loans | $7,071,600 | 6,678 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7548% | 5,013 |
| Cost of funding earning assets | 0.7752% | 1,453 |
| Net interest margin | 2.9795% | 5,642 |
| Noninterest income to average assets | 0.5783% | 3,278 |
| Noninterest expense to average assets | 3.2070% | 2,347 |
| Loan and lease loss provision to assets | 0.2716% | 1,292 |
| Net operating income to assets | -0.1052% | 6,385 |
| Return on assets (ROA) | -0.1052% | 6,425 |
| Pretax return on assets | -0.1052% | 6,404 |
| Return on Equity (ROE) | -0.9294% | 6,422 |
| Retained earnings to average equity (ytd only) | -0.9294% | 6,125 |
| Net charge-offs to loans | 0.4170% | 1,539 |
| Credit loss provision to net charge-offs | 140.9091% | 1,666 |
| Earnings coverage of net charge-offs (x) | 0.8636% | 4,567 |
| Efficiency ratio | 95.0649% | 675 |
| Assets per employee ($millions) | 3.1348% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0506% | 1,610 |
| Loan loss allowance to noncurrent loans | 61.9835% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 1.7354% | 2,364 |
| Noncurrent loans to loans | 3.3083% | 1,174 |
| Net loans and leases to total assets | 45.7126% | 5,573 |
| Net loans and leases to deposits | 59.4162% | 5,045 |
| Net loans and leases to core deposits | 68.8347% | 4,450 |
| Total domestic deposits to total assets | 76.9363% | 6,053 |
| Equity capital to assets | 10.9034% | 2,857 |
| Core capital (leverage) ratio | 10.7898% | 2,685 |
| Tier 1 risk-based capital ratio | 19.9953% | 1,741 |
| Total risk-based capital ratio | 21.2472% | 1,713 |
| Memoranda: | ||
| Average total assets | $15,216,250 | 6,839 |
| Average earning assets | $14,274,750 | 6,824 |
| Average equity | $1,721,500 | 6,810 |
| Average total loans | $7,033,500 | 6,755 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8402% | 4,690 |
| Cost of funding earning assets | 0.7227% | 1,902 |
| Net interest margin | 3.1175% | 5,226 |
| Noninterest income to average assets | 0.5842% | 3,294 |
| Noninterest expense to average assets | 3.1732% | 2,431 |
| Loan and lease loss provision to assets | 0.1859% | 2,030 |
| Net operating income to assets | 0.1460% | 6,033 |
| Return on assets (ROA) | 0.1460% | 6,139 |
| Pretax return on assets | 0.1460% | 6,164 |
| Return on Equity (ROE) | 1.2749% | 6,150 |
| Retained earnings to average equity (ytd only) | 1.2749% | 5,387 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5303% | 1,025 |
| Assets per employee ($millions) | 3.0188% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2334% | 1,360 |
| Loan loss allowance to noncurrent loans | 52.5424% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 1.9544% | 2,214 |
| Noncurrent loans to loans | 4.2507% | 871 |
| Net loans and leases to total assets | 44.9516% | 5,644 |
| Net loans and leases to deposits | 56.0327% | 5,341 |
| Net loans and leases to core deposits | 64.8724% | 4,804 |
| Total domestic deposits to total assets | 80.2239% | 5,557 |
| Equity capital to assets | 11.4681% | 2,330 |
| Core capital (leverage) ratio | 11.2593% | 2,122 |
| Tier 1 risk-based capital ratio | 20.6563% | 1,580 |
| Total risk-based capital ratio | 21.8258% | 1,567 |
| Memoranda: | ||
| Average total assets | $15,063,670 | 6,889 |
| Average earning assets | $14,113,670 | 6,873 |
| Average equity | $1,725,670 | 6,856 |
| Average total loans | $6,939,670 | 6,811 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 3,874 |
| Cost of funding earning assets | 0.7958% | 1,554 |
| Net interest margin | 3.2683% | 4,640 |
| Noninterest income to average assets | 0.4519% | 4,112 |
| Noninterest expense to average assets | 3.0302% | 2,891 |
| Loan and lease loss provision to assets | 0.3721% | 857 |
| Net operating income to assets | 0.1063% | 6,131 |
| Return on assets (ROA) | 0.1063% | 6,227 |
| Pretax return on assets | 0.1063% | 6,250 |
| Return on Equity (ROE) | 0.9286% | 6,237 |
| Retained earnings to average equity (ytd only) | 0.9286% | 5,475 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3636% | 1,472 |
| Assets per employee ($millions) | 3.0194% | 5,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2467% | 1,493 |
| Loan loss allowance to noncurrent loans | 21.3205% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 4.8155% | 767 |
| Noncurrent loans to loans | 10.5378% | 190 |
| Net loans and leases to total assets | 44.6711% | 5,591 |
| Net loans and leases to deposits | 55.2787% | 5,322 |
| Net loans and leases to core deposits | 63.9242% | 4,748 |
| Total domestic deposits to total assets | 80.8108% | 5,546 |
| Equity capital to assets | 11.4261% | 2,484 |
| Core capital (leverage) ratio | 11.3323% | 1,995 |
| Tier 1 risk-based capital ratio | 23.9617% | 1,020 |
| Total risk-based capital ratio | 25.3230% | 983 |
| Memoranda: | ||
| Average total assets | $15,048,500 | 6,964 |
| Average earning assets | $14,074,500 | 6,948 |
| Average equity | $1,723,000 | 6,923 |
| Average total loans | $6,939,500 | 6,882 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2166% | 4,524 |
| Cost of funding earning assets | 0.9354% | 1,733 |
| Net interest margin | 3.2811% | 5,316 |
| Noninterest income to average assets | 0.5016% | 3,887 |
| Noninterest expense to average assets | 3.3439% | 2,206 |
| Loan and lease loss provision to assets | 0.0468% | 5,250 |
| Net operating income to assets | 0.1471% | 5,897 |
| Return on assets (ROA) | 0.1471% | 6,059 |
| Pretax return on assets | 0.1605% | 6,052 |
| Return on Equity (ROE) | 1.2815% | 6,068 |
| Retained earnings to average equity (ytd only) | 1.2815% | 5,229 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1620% | 791 |
| Assets per employee ($millions) | 3.0000% | 6,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0201% | 1,967 |
| Loan loss allowance to noncurrent loans | 20.2006% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 4.6533% | 877 |
| Noncurrent loans to loans | 10.0000% | 236 |
| Net loans and leases to total assets | 45.5933% | 5,658 |
| Net loans and leases to deposits | 56.5768% | 5,382 |
| Net loans and leases to core deposits | 65.5202% | 4,790 |
| Total domestic deposits to total assets | 80.5867% | 5,513 |
| Equity capital to assets | 11.4733% | 2,473 |
| Core capital (leverage) ratio | 11.4986% | 1,877 |
| Tier 1 risk-based capital ratio | 23.4086% | 1,050 |
| Total risk-based capital ratio | 24.7280% | 1,019 |
| Memoranda: | ||
| Average total assets | $14,952,400 | 7,029 |
| Average earning assets | $13,897,600 | 7,012 |
| Average equity | $1,716,800 | 6,996 |
| Average total loans | $7,107,800 | 6,946 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3718% | 4,161 |
| Cost of funding earning assets | 0.9629% | 1,767 |
| Net interest margin | 3.4089% | 5,008 |
| Noninterest income to average assets | 0.5087% | 3,861 |
| Noninterest expense to average assets | 3.3554% | 2,116 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2856% | 5,663 |
| Return on assets (ROA) | 0.2856% | 5,867 |
| Pretax return on assets | 0.3124% | 5,931 |
| Return on Equity (ROE) | 2.4870% | 5,882 |
| Retained earnings to average equity (ytd only) | 2.4870% | 5,082 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4842% | 920 |
| Assets per employee ($millions) | 2.9906% | 6,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9132% | 2,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 45.9440% | 5,769 |
| Net loans and leases to deposits | 57.9992% | 5,430 |
| Net loans and leases to core deposits | 67.3860% | 4,793 |
| Total domestic deposits to total assets | 79.2149% | 5,824 |
| Equity capital to assets | 11.5696% | 2,681 |
| Core capital (leverage) ratio | 11.3353% | 2,105 |
| Tier 1 risk-based capital ratio | 23.5791% | 1,080 |
| Total risk-based capital ratio | 24.9012% | 1,048 |
| Memoranda: | ||
| Average total assets | $14,940,500 | 7,124 |
| Average earning assets | $13,846,000 | 7,105 |
| Average equity | $1,715,750 | 7,089 |
| Average total loans | $7,139,750 | 7,038 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 4,128 |
| Cost of funding earning assets | 1.0129% | 1,688 |
| Net interest margin | 3.4005% | 5,091 |
| Noninterest income to average assets | 0.5624% | 3,507 |
| Noninterest expense to average assets | 3.3475% | 2,162 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3348% | 5,483 |
| Return on assets (ROA) | 0.3348% | 5,701 |
| Pretax return on assets | 0.3615% | 5,798 |
| Return on Equity (ROE) | 2.9223% | 5,720 |
| Retained earnings to average equity (ytd only) | 2.9223% | 4,690 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2527% | 1,055 |
| Assets per employee ($millions) | 3.0084% | 6,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8849% | 2,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 46.3702% | 5,792 |
| Net loans and leases to deposits | 57.9800% | 5,453 |
| Net loans and leases to core deposits | 67.1965% | 4,876 |
| Total domestic deposits to total assets | 79.9761% | 5,745 |
| Equity capital to assets | 11.4612% | 2,627 |
| Core capital (leverage) ratio | 11.3042% | 2,042 |
| Tier 1 risk-based capital ratio | 23.3953% | 1,084 |
| Total risk-based capital ratio | 24.7116% | 1,062 |
| Memoranda: | ||
| Average total assets | $14,936,330 | 7,186 |
| Average earning assets | $13,821,330 | 7,164 |
| Average equity | $1,711,000 | 7,143 |
| Average total loans | $7,185,000 | 7,092 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4482% | 4,124 |
| Cost of funding earning assets | 1.0466% | 1,699 |
| Net interest margin | 3.4015% | 5,114 |
| Noninterest income to average assets | 0.5913% | 3,292 |
| Noninterest expense to average assets | 3.4132% | 1,976 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2956% | 5,677 |
| Return on assets (ROA) | 0.2956% | 5,840 |
| Pretax return on assets | 0.3225% | 5,925 |
| Return on Equity (ROE) | 2.5814% | 5,874 |
| Retained earnings to average equity (ytd only) | 2.5814% | 4,966 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3669% | 988 |
| Assets per employee ($millions) | 3.0060% | 6,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8988% | 2,677 |
| Loan loss allowance to noncurrent loans | 41.3580% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 2.1557% | 2,723 |
| Noncurrent loans to loans | 4.5912% | 1,249 |
| Net loans and leases to total assets | 46.0612% | 5,772 |
| Net loans and leases to deposits | 57.6917% | 5,418 |
| Net loans and leases to core deposits | 66.8889% | 4,815 |
| Total domestic deposits to total assets | 79.8403% | 5,886 |
| Equity capital to assets | 11.3772% | 2,548 |
| Core capital (leverage) ratio | 11.2574% | 2,070 |
| Tier 1 risk-based capital ratio | 22.2251% | 1,252 |
| Total risk-based capital ratio | 23.4858% | 1,223 |
| Memoranda: | ||
| Average total assets | $14,883,500 | 7,247 |
| Average earning assets | $13,758,500 | 7,227 |
| Average equity | $1,704,500 | 7,200 |
| Average total loans | $7,223,000 | 7,155 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 3,456 |
| Cost of funding earning assets | 1.3047% | 1,463 |
| Net interest margin | 3.5750% | 4,826 |
| Noninterest income to average assets | 0.6065% | 3,129 |
| Noninterest expense to average assets | 3.3800% | 2,292 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4702% | 4,540 |
| Return on assets (ROA) | 0.4702% | 4,745 |
| Pretax return on assets | 0.5315% | 4,898 |
| Return on Equity (ROE) | 4.1491% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.1491% | 3,227 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4111% | 1,506 |
| Assets per employee ($millions) | 2.9474% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8135% | 2,831 |
| Loan loss allowance to noncurrent loans | 40.9786% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 2.2189% | 2,713 |
| Noncurrent loans to loans | 4.4255% | 1,358 |
| Net loans and leases to total assets | 49.2298% | 5,691 |
| Net loans and leases to deposits | 60.9357% | 5,376 |
| Net loans and leases to core deposits | 70.7391% | 4,679 |
| Total domestic deposits to total assets | 80.7898% | 5,514 |
| Equity capital to assets | 11.5288% | 2,478 |
| Core capital (leverage) ratio | 11.2524% | 2,081 |
| Tier 1 risk-based capital ratio | 21.7180% | 1,280 |
| Total risk-based capital ratio | 22.9579% | 1,247 |
| Memoranda: | ||
| Average total assets | $14,674,600 | 7,290 |
| Average earning assets | $13,566,400 | 7,272 |
| Average equity | $1,663,000 | 7,262 |
| Average total loans | $7,721,000 | 7,191 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 3,499 |
| Cost of funding earning assets | 1.3433% | 1,487 |
| Net interest margin | 3.5692% | 4,905 |
| Noninterest income to average assets | 0.6185% | 3,060 |
| Noninterest expense to average assets | 3.3926% | 2,207 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4820% | 4,620 |
| Return on assets (ROA) | 0.4820% | 4,819 |
| Pretax return on assets | 0.5366% | 5,017 |
| Return on Equity (ROE) | 4.2721% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.2721% | 3,688 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3426% | 1,499 |
| Assets per employee ($millions) | 2.9872% | 6,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7239% | 3,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 51.1449% | 5,562 |
| Net loans and leases to deposits | 63.3626% | 5,253 |
| Net loans and leases to core deposits | 75.2166% | 4,295 |
| Total domestic deposits to total assets | 80.7177% | 5,525 |
| Equity capital to assets | 11.2614% | 2,904 |
| Core capital (leverage) ratio | 11.2621% | 2,188 |
| Tier 1 risk-based capital ratio | 20.7501% | 1,512 |
| Total risk-based capital ratio | 21.9467% | 1,492 |
| Memoranda: | ||
| Average total assets | $14,659,000 | 7,367 |
| Average earning assets | $13,597,500 | 7,347 |
| Average equity | $1,654,000 | 7,337 |
| Average total loans | $7,804,000 | 7,263 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 3,688 |
| Cost of funding earning assets | 1.3873% | 1,468 |
| Net interest margin | 3.4977% | 5,177 |
| Noninterest income to average assets | 0.6316% | 2,940 |
| Noninterest expense to average assets | 3.4188% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4256% | 4,833 |
| Return on assets (ROA) | 0.4256% | 4,980 |
| Pretax return on assets | 0.4668% | 5,178 |
| Return on Equity (ROE) | 3.7698% | 5,034 |
| Retained earnings to average equity (ytd only) | 3.7698% | 3,815 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9859% | 1,416 |
| Assets per employee ($millions) | 2.9092% | 6,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7770% | 3,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 51.2993% | 5,658 |
| Net loans and leases to deposits | 63.3447% | 5,352 |
| Net loans and leases to core deposits | 75.5263% | 4,377 |
| Total domestic deposits to total assets | 80.9845% | 5,532 |
| Equity capital to assets | 11.4052% | 2,598 |
| Core capital (leverage) ratio | 11.3150% | 2,039 |
| Tier 1 risk-based capital ratio | 20.7194% | 1,475 |
| Total risk-based capital ratio | 21.9308% | 1,454 |
| Memoranda: | ||
| Average total assets | $14,566,670 | 7,441 |
| Average earning assets | $13,551,670 | 7,421 |
| Average equity | $1,644,670 | 7,407 |
| Average total loans | $7,814,330 | 7,336 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9040% | 3,572 |
| Cost of funding earning assets | 1.4771% | 1,266 |
| Net interest margin | 3.4269% | 5,314 |
| Noninterest income to average assets | 0.5488% | 3,522 |
| Noninterest expense to average assets | 3.4026% | 2,274 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3293% | 5,273 |
| Return on assets (ROA) | 0.3293% | 5,349 |
| Pretax return on assets | 0.3293% | 5,567 |
| Return on Equity (ROE) | 2.9313% | 5,408 |
| Retained earnings to average equity (ytd only) | 2.9313% | 4,408 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1765% | 1,228 |
| Assets per employee ($millions) | 2.9038% | 6,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7583% | 3,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 51.9526% | 5,589 |
| Net loans and leases to deposits | 64.3162% | 5,214 |
| Net loans and leases to core deposits | 76.7501% | 4,200 |
| Total domestic deposits to total assets | 80.7769% | 5,727 |
| Equity capital to assets | 11.3024% | 2,414 |
| Core capital (leverage) ratio | 10.6524% | 2,469 |
| Tier 1 risk-based capital ratio | 20.4308% | 1,497 |
| Total risk-based capital ratio | 21.6633% | 1,474 |
| Memoranda: | ||
| Average total assets | $14,577,000 | 7,499 |
| Average earning assets | $13,540,000 | 7,477 |
| Average equity | $1,637,500 | 7,459 |
| Average total loans | $7,923,000 | 7,388 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4363% | 2,518 |
| Cost of funding earning assets | 1.6362% | 1,881 |
| Net interest margin | 3.8001% | 3,947 |
| Noninterest income to average assets | 0.7245% | 2,681 |
| Noninterest expense to average assets | 3.4483% | 2,312 |
| Loan and lease loss provision to assets | 0.3344% | 4,147 |
| Net operating income to assets | 0.4110% | 4,495 |
| Return on assets (ROA) | 0.4110% | 4,630 |
| Pretax return on assets | 0.4528% | 4,783 |
| Return on Equity (ROE) | 3.6875% | 4,658 |
| Retained earnings to average equity (ytd only) | 3.6875% | 3,280 |
| Net charge-offs to loans | 0.2955% | 4,542 |
| Credit loss provision to net charge-offs | 192.0000% | 1,669 |
| Earnings coverage of net charge-offs (x) | 4.5200% | 2,891 |
| Efficiency ratio | 81.4145% | 2,237 |
| Assets per employee ($millions) | 2.9270% | 6,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6528% | 3,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 54.8890% | 5,507 |
| Net loans and leases to deposits | 67.9841% | 5,107 |
| Net loans and leases to core deposits | 81.0105% | 4,056 |
| Total domestic deposits to total assets | 80.7380% | 5,609 |
| Equity capital to assets | 11.1650% | 2,540 |
| Core capital (leverage) ratio | 10.7642% | 2,334 |
| Tier 1 risk-based capital ratio | 19.3671% | 1,624 |
| Total risk-based capital ratio | 20.5286% | 1,618 |
| Memoranda: | ||
| Average total assets | $14,355,000 | 7,581 |
| Average earning assets | $13,262,800 | 7,562 |
| Average equity | $1,600,000 | 7,567 |
| Average total loans | $8,459,600 | 7,445 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4536% | 2,630 |
| Cost of funding earning assets | 1.5986% | 2,394 |
| Net interest margin | 3.8550% | 3,733 |
| Noninterest income to average assets | 0.7747% | 2,357 |
| Noninterest expense to average assets | 3.5001% | 2,031 |
| Loan and lease loss provision to assets | 0.4387% | 3,280 |
| Net operating income to assets | 0.3640% | 4,913 |
| Return on assets (ROA) | 0.3640% | 5,091 |
| Pretax return on assets | 0.3920% | 5,244 |
| Return on Equity (ROE) | 3.2674% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.2674% | 4,146 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8190% | 2,242 |
| Assets per employee ($millions) | 2.8436% | 6,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8124% | 2,744 |
| Loan loss allowance to noncurrent loans | 248.4375% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 6,302 |
| Noncurrent loans to loans | 0.7295% | 5,740 |
| Net loans and leases to total assets | 60.5852% | 4,804 |
| Net loans and leases to deposits | 76.3585% | 4,116 |
| Net loans and leases to core deposits | 91.8239% | 2,833 |
| Total domestic deposits to total assets | 79.3431% | 5,918 |
| Equity capital to assets | 11.3659% | 2,640 |
| Core capital (leverage) ratio | 10.6688% | 2,535 |
| Tier 1 risk-based capital ratio | 18.4370% | 1,885 |
| Total risk-based capital ratio | 19.8060% | 1,825 |
| Memoranda: | ||
| Average total assets | $14,285,000 | 7,682 |
| Average earning assets | $13,177,500 | 7,659 |
| Average equity | $1,591,500 | 7,667 |
| Average total loans | $8,532,500 | 7,544 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4722% | 2,646 |
| Cost of funding earning assets | 1.5961% | 2,681 |
| Net interest margin | 3.8762% | 3,553 |
| Noninterest income to average assets | 0.6430% | 3,046 |
| Noninterest expense to average assets | 3.4947% | 2,041 |
| Loan and lease loss provision to assets | 0.6151% | 2,327 |
| Net operating income to assets | 0.0979% | 5,872 |
| Return on assets (ROA) | 0.0979% | 5,990 |
| Pretax return on assets | 0.0979% | 5,983 |
| Return on Equity (ROE) | 0.8842% | 5,986 |
| Retained earnings to average equity (ytd only) | 0.8842% | 5,417 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0565% | 2,035 |
| Assets per employee ($millions) | 2.8756% | 6,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8392% | 2,603 |
| Loan loss allowance to noncurrent loans | 503.2258% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 6,660 |
| Noncurrent loans to loans | 0.3655% | 6,503 |
| Net loans and leases to total assets | 57.9079% | 5,430 |
| Net loans and leases to deposits | 70.7813% | 5,165 |
| Net loans and leases to core deposits | 84.4165% | 4,085 |
| Total domestic deposits to total assets | 81.8125% | 5,062 |
| Equity capital to assets | 11.0099% | 2,849 |
| Core capital (leverage) ratio | 11.0291% | 2,218 |
| Tier 1 risk-based capital ratio | 17.2478% | 2,181 |
| Total risk-based capital ratio | 18.6097% | 2,111 |
| Memoranda: | ||
| Average total assets | $14,307,330 | 7,745 |
| Average earning assets | $13,157,330 | 7,722 |
| Average equity | $1,583,330 | 7,735 |
| Average total loans | $8,452,330 | 7,608 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4840% | 2,663 |
| Cost of funding earning assets | 1.6967% | 2,408 |
| Net interest margin | 3.7873% | 3,842 |
| Noninterest income to average assets | 0.5045% | 4,019 |
| Noninterest expense to average assets | 3.5594% | 1,820 |
| Loan and lease loss provision to assets | 0.1401% | 5,148 |
| Net operating income to assets | 0.3083% | 5,266 |
| Return on assets (ROA) | 0.3083% | 5,397 |
| Pretax return on assets | 0.3083% | 5,576 |
| Return on Equity (ROE) | 2.7787% | 5,440 |
| Retained earnings to average equity (ytd only) | 2.7787% | 4,467 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8112% | 1,519 |
| Assets per employee ($millions) | 3.6140% | 4,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 4,454 |
| Loan loss allowance to noncurrent loans | 377.4194% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 6,736 |
| Noncurrent loans to loans | 0.3692% | 6,560 |
| Net loans and leases to total assets | 57.2773% | 5,555 |
| Net loans and leases to deposits | 70.1279% | 5,330 |
| Net loans and leases to core deposits | 70.1279% | 5,906 |
| Total domestic deposits to total assets | 81.6754% | 5,205 |
| Equity capital to assets | 10.9989% | 2,762 |
| Core capital (leverage) ratio | 10.5173% | 2,606 |
| Tier 1 risk-based capital ratio | 18.5164% | 1,828 |
| Total risk-based capital ratio | 19.8789% | 1,772 |
| Memoranda: | ||
| Average total assets | $14,272,000 | 7,847 |
| Average earning assets | $13,202,000 | 7,827 |
| Average equity | $1,583,500 | 7,822 |
| Average total loans | $8,437,500 | 7,708 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9343% | 2,108 |
| Cost of funding earning assets | 2.1030% | 2,445 |
| Net interest margin | 3.8313% | 3,573 |
| Noninterest income to average assets | 0.6709% | 3,151 |
| Noninterest expense to average assets | 3.6652% | 1,991 |
| Loan and lease loss provision to assets | 0.1907% | 5,815 |
| Net operating income to assets | 0.3178% | 4,462 |
| Return on assets (ROA) | 0.3178% | 4,547 |
| Pretax return on assets | 0.3531% | 4,636 |
| Return on Equity (ROE) | 2.8909% | 4,555 |
| Retained earnings to average equity (ytd only) | 2.8909% | 3,153 |
| Net charge-offs to loans | 0.0790% | 6,318 |
| Credit loss provision to net charge-offs | 385.7143% | 822 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,635 |
| Efficiency ratio | 87.0805% | 1,982 |
| Assets per employee ($millions) | 3.5220% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 4,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 7,288 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 59.3839% | 5,437 |
| Net loans and leases to deposits | 73.0464% | 5,182 |
| Net loans and leases to core deposits | 96.8623% | 4,367 |
| Total domestic deposits to total assets | 81.2961% | 5,235 |
| Equity capital to assets | 11.1939% | 2,536 |
| Core capital (leverage) ratio | 10.6655% | 2,459 |
| Tier 1 risk-based capital ratio | 18.2862% | 1,821 |
| Total risk-based capital ratio | 19.5849% | 1,754 |
| Memoranda: | ||
| Average total assets | $14,160,200 | 7,916 |
| Average earning assets | $13,076,600 | 7,897 |
| Average equity | $1,556,600 | 7,918 |
| Average total loans | $8,857,800 | 7,749 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9460% | 2,247 |
| Cost of funding earning assets | 2.1344% | 2,731 |
| Net interest margin | 3.8116% | 3,609 |
| Noninterest income to average assets | 0.6489% | 3,352 |
| Noninterest expense to average assets | 3.6581% | 1,910 |
| Loan and lease loss provision to assets | 0.1317% | 6,042 |
| Net operating income to assets | 0.3385% | 4,643 |
| Return on assets (ROA) | 0.3385% | 4,743 |
| Pretax return on assets | 0.3856% | 4,835 |
| Return on Equity (ROE) | 3.0938% | 4,753 |
| Retained earnings to average equity (ytd only) | 3.0938% | 3,595 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6126% | 1,908 |
| Assets per employee ($millions) | 3.4913% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 5,283 |
| Loan loss allowance to noncurrent loans | 552.6316% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 7,205 |
| Noncurrent loans to loans | 0.2122% | 6,965 |
| Net loans and leases to total assets | 63.3727% | 5,001 |
| Net loans and leases to deposits | 78.5619% | 4,648 |
| Net loans and leases to core deposits | 104.6842% | 3,855 |
| Total domestic deposits to total assets | 80.6660% | 5,201 |
| Equity capital to assets | 11.2209% | 2,815 |
| Core capital (leverage) ratio | 10.6036% | 2,708 |
| Tier 1 risk-based capital ratio | 17.2958% | 2,183 |
| Total risk-based capital ratio | 18.4547% | 2,159 |
| Memoranda: | ||
| Average total assets | $14,178,250 | 7,994 |
| Average earning assets | $13,117,750 | 7,978 |
| Average equity | $1,551,500 | 8,005 |
| Average total loans | $8,952,750 | 7,823 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9571% | 2,353 |
| Cost of funding earning assets | 2.2131% | 2,731 |
| Net interest margin | 3.7440% | 3,777 |
| Noninterest income to average assets | 0.6176% | 3,552 |
| Noninterest expense to average assets | 3.6774% | 1,882 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3649% | 4,637 |
| Return on assets (ROA) | 0.3649% | 4,736 |
| Pretax return on assets | 0.4070% | 4,912 |
| Return on Equity (ROE) | 3.3628% | 4,763 |
| Retained earnings to average equity (ytd only) | 3.3628% | 3,452 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0344% | 1,807 |
| Assets per employee ($millions) | 2.7952% | 6,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 6,051 |
| Loan loss allowance to noncurrent loans | 115.1899% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 6,008 |
| Noncurrent loans to loans | 0.8896% | 5,436 |
| Net loans and leases to total assets | 62.8864% | 5,200 |
| Net loans and leases to deposits | 77.9996% | 4,871 |
| Net loans and leases to core deposits | 100.3311% | 4,474 |
| Total domestic deposits to total assets | 80.6239% | 5,220 |
| Equity capital to assets | 11.1477% | 2,795 |
| Core capital (leverage) ratio | 10.5363% | 2,780 |
| Tier 1 risk-based capital ratio | 17.1984% | 2,234 |
| Total risk-based capital ratio | 18.2029% | 2,271 |
| Memoranda: | ||
| Average total assets | $14,249,330 | 8,083 |
| Average earning assets | $13,194,330 | 8,065 |
| Average equity | $1,546,330 | 8,088 |
| Average total loans | $8,952,000 | 7,906 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9829% | 2,431 |
| Cost of funding earning assets | 2.3333% | 2,562 |
| Net interest margin | 3.6496% | 4,106 |
| Noninterest income to average assets | 0.6117% | 3,467 |
| Noninterest expense to average assets | 3.4200% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5283% | 4,300 |
| Return on assets (ROA) | 0.5283% | 4,487 |
| Pretax return on assets | 0.5839% | 4,807 |
| Return on Equity (ROE) | 4.9335% | 4,501 |
| Retained earnings to average equity (ytd only) | 4.9335% | 3,169 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4167% | 2,139 |
| Assets per employee ($millions) | 2.8870% | 6,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 5,943 |
| Loan loss allowance to noncurrent loans | 337.0370% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 6,973 |
| Noncurrent loans to loans | 0.3055% | 6,671 |
| Net loans and leases to total assets | 60.6027% | 5,558 |
| Net loans and leases to deposits | 74.7628% | 5,388 |
| Net loans and leases to core deposits | 96.2059% | 4,945 |
| Total domestic deposits to total assets | 81.0599% | 4,944 |
| Equity capital to assets | 10.7378% | 3,250 |
| Core capital (leverage) ratio | 10.3059% | 3,105 |
| Tier 1 risk-based capital ratio | 17.3378% | 2,236 |
| Total risk-based capital ratio | 18.3557% | 2,245 |
| Memoranda: | ||
| Average total assets | $14,386,000 | 8,134 |
| Average earning assets | $13,371,500 | 8,109 |
| Average equity | $1,540,500 | 8,145 |
| Average total loans | $8,988,000 | 7,953 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8437% | 1,545 |
| Cost of funding earning assets | 3.1324% | 1,407 |
| Net interest margin | 3.7113% | 4,425 |
| Noninterest income to average assets | 0.5932% | 3,884 |
| Noninterest expense to average assets | 3.2049% | 3,322 |
| Loan and lease loss provision to assets | 0.0409% | 6,904 |
| Net operating income to assets | 0.6137% | 4,249 |
| Return on assets (ROA) | 0.6137% | 4,110 |
| Pretax return on assets | 0.7569% | 4,222 |
| Return on Equity (ROE) | 6.0688% | 3,912 |
| Retained earnings to average equity (ytd only) | 6.0688% | 1,499 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0681% | 2,593 |
| Assets per employee ($millions) | 2.8674% | 6,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 6,097 |
| Loan loss allowance to noncurrent loans | 505.5556% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 7,076 |
| Noncurrent loans to loans | 0.1970% | 6,800 |
| Net loans and leases to total assets | 63.0955% | 5,437 |
| Net loans and leases to deposits | 78.5311% | 5,262 |
| Net loans and leases to core deposits | 101.2536% | 4,692 |
| Total domestic deposits to total assets | 80.3446% | 4,891 |
| Equity capital to assets | 10.6787% | 3,310 |
| Core capital (leverage) ratio | 10.5944% | 2,910 |
| Tier 1 risk-based capital ratio | 16.4376% | 2,508 |
| Total risk-based capital ratio | 17.4146% | 2,534 |
| Memoranda: | ||
| Average total assets | $14,665,000 | 8,173 |
| Average earning assets | $13,472,200 | 8,156 |
| Average equity | $1,483,000 | 8,219 |
| Average total loans | $9,191,800 | 7,978 |