Home > Red Rock Bank > Performance and Condition Ratios
Red Rock 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 | 3.8270% | 4,151 |
| Cost of funding earning assets | 0.6818% | 3,952 |
| Net interest margin | 3.1452% | 2,987 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.2074% | 3,104 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6784% | 3,245 |
| Return on assets (ROA) | 0.6784% | 3,225 |
| Pretax return on assets | 0.9430% | 2,834 |
| Return on Equity (ROE) | 7.1200% | 3,250 |
| Retained earnings to average equity (ytd only) | 2.4019% | 3,482 |
| Net charge-offs to loans | 0.0042% | 2,580 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 449.0000% | 317 |
| Efficiency ratio | 69.6667% | 1,920 |
| Assets per employee ($millions) | 7.6224% | 1,646 |
| Cash dividends to net income (ytd only)* | 66.2539% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 2,536 |
| 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 | 47.4100% | 3,761 |
| Net loans and leases to deposits | 52.1117% | 3,877 |
| Net loans and leases to core deposits | 53.5765% | 3,986 |
| Total domestic deposits to total assets | 90.9700% | 509 |
| Equity capital to assets | 8.8086% | 2,817 |
| Core capital (leverage) ratio | 9.1698% | 3,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7505% | 1,123 |
| Memoranda: | ||
| Average total assets | $47,611,600 | 4,337 |
| Average earning assets | $44,734,200 | 4,299 |
| Average equity | $4,538,000 | 4,300 |
| Average total loans | $24,038,800 | 4,235 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7648% | 4,144 |
| Cost of funding earning assets | 0.6285% | 3,922 |
| Net interest margin | 3.1363% | 3,067 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.3331% | 2,697 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5804% | 3,596 |
| Return on assets (ROA) | 0.5804% | 3,581 |
| Pretax return on assets | 0.8114% | 3,307 |
| Return on Equity (ROE) | 5.9600% | 3,647 |
| Retained earnings to average equity (ytd only) | 5.9587% | 2,649 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.5537% | 1,398 |
| Assets per employee ($millions) | 6.7089% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,348 |
| 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 | 51.6400% | 3,522 |
| Net loans and leases to deposits | 57.4352% | 3,635 |
| Net loans and leases to core deposits | 58.5741% | 3,761 |
| Total domestic deposits to total assets | 89.9100% | 966 |
| Equity capital to assets | 9.5694% | 2,060 |
| Core capital (leverage) ratio | 9.3455% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $46,175,250 | 4,360 |
| Average earning assets | $43,277,250 | 4,329 |
| Average equity | $4,497,500 | 4,314 |
| Average total loans | $23,651,250 | 4,258 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6534% | 4,192 |
| Cost of funding earning assets | 0.5624% | 3,849 |
| Net interest margin | 3.0910% | 3,243 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.3000% | 2,804 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5750% | 3,641 |
| Return on assets (ROA) | 0.5750% | 3,645 |
| Pretax return on assets | 0.8059% | 3,387 |
| Return on Equity (ROE) | 5.8700% | 3,723 |
| Retained earnings to average equity (ytd only) | 5.8684% | 2,669 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.4923% | 1,403 |
| Assets per employee ($millions) | 6.3944% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,204 |
| 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 | 52.4800% | 3,369 |
| Net loans and leases to deposits | 58.6737% | 3,505 |
| Net loans and leases to core deposits | 59.5136% | 3,659 |
| Total domestic deposits to total assets | 89.4400% | 1,097 |
| Equity capital to assets | 10.1115% | 1,792 |
| Core capital (leverage) ratio | 10.1928% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $45,913,000 | 4,381 |
| Average earning assets | $43,028,333 | 4,361 |
| Average equity | $4,498,667 | 4,340 |
| Average total loans | $23,352,667 | 4,280 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5603% | 4,205 |
| Cost of funding earning assets | 0.4221% | 3,902 |
| Net interest margin | 3.1382% | 3,269 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.2973% | 2,819 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6109% | 3,670 |
| Return on assets (ROA) | 0.6109% | 3,629 |
| Pretax return on assets | 0.8518% | 3,343 |
| Return on Equity (ROE) | 6.3300% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.3322% | 2,677 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.4044% | 1,506 |
| Assets per employee ($millions) | 6.4936% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 2,174 |
| Loan loss allowance to noncurrent loans | 604.0816% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 2,771 |
| Noncurrent loans to loans | 0.2106% | 2,420 |
| Net loans and leases to total assets | 50.5400% | 3,446 |
| Net loans and leases to deposits | 56.4592% | 3,548 |
| Net loans and leases to core deposits | 57.9812% | 3,632 |
| Total domestic deposits to total assets | 89.5100% | 1,339 |
| Equity capital to assets | 10.1617% | 1,741 |
| Core capital (leverage) ratio | 9.6456% | 3,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $46,489,000 | 4,444 |
| Average earning assets | $43,591,500 | 4,421 |
| Average equity | $4,485,000 | 4,403 |
| Average total loans | $23,136,000 | 4,344 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1395% | 3,923 |
| Cost of funding earning assets | 0.3211% | 2,716 |
| Net interest margin | 2.8184% | 3,852 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.5748% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9135% | 2,903 |
| Return on assets (ROA) | 0.9135% | 2,846 |
| Pretax return on assets | 1.2823% | 2,153 |
| Return on Equity (ROE) | 9.5600% | 2,953 |
| Retained earnings to average equity (ytd only) | 6.4324% | 2,479 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.3704% | 3,766 |
| Assets per employee ($millions) | 6.7890% | 2,128 |
| Cash dividends to net income (ytd only)* | 32.7146% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 1,966 |
| 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 | 47.7900% | 3,682 |
| Net loans and leases to deposits | 52.7417% | 3,748 |
| Net loans and leases to core deposits | 54.4137% | 3,791 |
| Total domestic deposits to total assets | 90.6000% | 1,107 |
| Equity capital to assets | 9.1556% | 2,258 |
| Core capital (leverage) ratio | 9.7029% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $47,180,600 | 4,463 |
| Average earning assets | $44,529,000 | 4,430 |
| Average equity | $4,508,400 | 4,484 |
| Average total loans | $21,489,800 | 4,388 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0491% | 3,796 |
| Cost of funding earning assets | 0.3235% | 1,929 |
| Net interest margin | 2.7256% | 3,875 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.7694% | 4,038 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7248% | 3,498 |
| Return on assets (ROA) | 0.7248% | 3,448 |
| Pretax return on assets | 1.0135% | 2,977 |
| Return on Equity (ROE) | 7.5100% | 3,461 |
| Retained earnings to average equity (ytd only) | 3.3715% | 3,681 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.7411% | 2,724 |
| Assets per employee ($millions) | 6.3803% | 2,424 |
| Cash dividends to net income (ytd only)* | 55.0781% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 1,834 |
| 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 | 48.7100% | 3,554 |
| Net loans and leases to deposits | 53.7692% | 3,616 |
| Net loans and leases to core deposits | 56.4054% | 3,608 |
| Total domestic deposits to total assets | 90.5900% | 1,409 |
| Equity capital to assets | 9.0681% | 2,164 |
| Core capital (leverage) ratio | 9.1036% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $47,095,000 | 4,500 |
| Average earning assets | $44,514,500 | 4,466 |
| Average equity | $4,547,750 | 4,519 |
| Average total loans | $21,111,000 | 4,427 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8894% | 3,811 |
| Cost of funding earning assets | 0.3259% | 1,472 |
| Net interest margin | 2.5635% | 3,972 |
| Noninterest income to average assets | 0.2171% | 3,900 |
| Noninterest expense to average assets | 1.7200% | 4,108 |
| Loan and lease loss provision to assets | 0.0083% | 2,443 |
| Net operating income to assets | 0.6596% | 3,443 |
| Return on assets (ROA) | 0.6596% | 3,392 |
| Pretax return on assets | 0.9185% | 3,001 |
| Return on Equity (ROE) | 6.7039% | 3,391 |
| Retained earnings to average equity (ytd only) | 6.7039% | 2,088 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3533% | 2,724 |
| Assets per employee ($millions) | 6.7459% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 1,680 |
| 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 | 43.5929% | 3,863 |
| Net loans and leases to deposits | 48.2299% | 3,908 |
| Net loans and leases to core deposits | 50.9051% | 3,883 |
| Total domestic deposits to total assets | 90.3856% | 1,519 |
| Equity capital to assets | 9.4217% | 2,080 |
| Core capital (leverage) ratio | 9.2478% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,906,000 | 4,539 |
| Average earning assets | $45,407,333 | 4,518 |
| Average equity | $4,713,667 | 4,549 |
| Average total loans | $20,797,667 | 4,489 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7739% | 3,792 |
| Cost of funding earning assets | 0.3140% | 1,524 |
| Net interest margin | 2.4599% | 3,978 |
| Noninterest income to average assets | 0.2487% | 3,656 |
| Noninterest expense to average assets | 1.7741% | 4,003 |
| Loan and lease loss provision to assets | 0.0166% | 2,055 |
| Net operating income to assets | 0.5637% | 3,510 |
| Return on assets (ROA) | 0.5637% | 3,486 |
| Pretax return on assets | 0.7959% | 3,119 |
| Return on Equity (ROE) | 5.6129% | 3,447 |
| Retained earnings to average equity (ytd only) | 5.6129% | 2,376 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9487% | 2,512 |
| Assets per employee ($millions) | 6.8667% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 1,775 |
| 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 | 42.2660% | 3,865 |
| Net loans and leases to deposits | 46.9778% | 3,930 |
| Net loans and leases to core deposits | 49.5452% | 3,896 |
| Total domestic deposits to total assets | 89.9702% | 1,579 |
| Equity capital to assets | 9.7739% | 2,068 |
| Core capital (leverage) ratio | 8.0077% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,248,500 | 4,558 |
| Average earning assets | $45,856,000 | 4,533 |
| Average equity | $4,846,000 | 4,576 |
| Average total loans | $20,756,000 | 4,505 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3231% | 3,135 |
| Cost of funding earning assets | 0.3727% | 1,735 |
| Net interest margin | 2.9504% | 3,318 |
| Noninterest income to average assets | 0.1380% | 4,461 |
| Noninterest expense to average assets | 1.9906% | 3,702 |
| Loan and lease loss provision to assets | 0.0647% | 1,769 |
| Net operating income to assets | 0.5230% | 4,031 |
| Return on assets (ROA) | 0.6082% | 3,904 |
| Pretax return on assets | 0.8540% | 3,614 |
| Return on Equity (ROE) | 5.7565% | 3,833 |
| Retained earnings to average equity (ytd only) | 5.0421% | 2,772 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8237% | 1,641 |
| Assets per employee ($millions) | 6.0538% | 2,713 |
| Cash dividends to net income (ytd only)* | 12.4113% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 1,898 |
| 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 | 42.5480% | 3,943 |
| Net loans and leases to deposits | 47.5779% | 4,019 |
| Net loans and leases to core deposits | 50.6066% | 3,985 |
| Total domestic deposits to total assets | 89.4280% | 1,280 |
| Equity capital to assets | 10.3118% | 2,356 |
| Core capital (leverage) ratio | 8.9890% | 3,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,367,600 | 4,599 |
| Average earning assets | $41,858,200 | 4,598 |
| Average equity | $4,898,800 | 4,638 |
| Average total loans | $20,247,600 | 4,562 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5214% | 2,763 |
| Cost of funding earning assets | 0.3858% | 1,815 |
| Net interest margin | 3.1356% | 2,945 |
| Noninterest income to average assets | 0.2908% | 3,711 |
| Noninterest expense to average assets | 2.0849% | 3,410 |
| Loan and lease loss provision to assets | 0.0676% | 1,652 |
| Net operating income to assets | 0.6630% | 3,861 |
| Return on assets (ROA) | 0.6630% | 3,913 |
| Pretax return on assets | 0.9276% | 3,635 |
| Return on Equity (ROE) | 6.2357% | 3,860 |
| Retained earnings to average equity (ytd only) | 5.2785% | 3,108 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7054% | 1,870 |
| Assets per employee ($millions) | 5.7376% | 2,948 |
| Cash dividends to net income (ytd only)* | 15.3509% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,945 |
| 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 | 43.4370% | 3,995 |
| Net loans and leases to deposits | 48.8976% | 4,072 |
| Net loans and leases to core deposits | 52.2129% | 4,025 |
| Total domestic deposits to total assets | 88.8325% | 1,381 |
| Equity capital to assets | 10.8494% | 2,126 |
| Core capital (leverage) ratio | 8.0122% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1352% | 791 |
| Memoranda: | ||
| Average total assets | $45,852,000 | 4,670 |
| Average earning assets | $40,778,250 | 4,674 |
| Average equity | $4,875,000 | 4,711 |
| Average total loans | $20,084,500 | 4,634 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3478% | 3,317 |
| Cost of funding earning assets | 0.3834% | 2,030 |
| Net interest margin | 2.9643% | 3,407 |
| Noninterest income to average assets | 0.1265% | 4,568 |
| Noninterest expense to average assets | 2.0857% | 3,427 |
| Loan and lease loss provision to assets | 0.0655% | 1,736 |
| Net operating income to assets | 0.4363% | 4,323 |
| Return on assets (ROA) | 0.4363% | 4,366 |
| Pretax return on assets | 0.6065% | 4,222 |
| Return on Equity (ROE) | 4.1322% | 4,309 |
| Retained earnings to average equity (ytd only) | 2.6860% | 3,944 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6329% | 1,117 |
| Assets per employee ($millions) | 5.8365% | 2,778 |
| Cash dividends to net income (ytd only)* | 35.0000% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 1,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 3,998 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 41.2812% | 4,224 |
| Net loans and leases to deposits | 46.2009% | 4,303 |
| Net loans and leases to core deposits | 49.2551% | 4,265 |
| Total domestic deposits to total assets | 89.3515% | 1,109 |
| Equity capital to assets | 10.4558% | 2,429 |
| Core capital (leverage) ratio | 7.7464% | 4,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9720% | 812 |
| Memoranda: | ||
| Average total assets | $45,835,667 | 4,697 |
| Average earning assets | $40,683,667 | 4,704 |
| Average equity | $4,840,000 | 4,742 |
| Average total loans | $20,037,667 | 4,669 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2235% | 3,638 |
| Cost of funding earning assets | 0.3892% | 2,182 |
| Net interest margin | 2.8343% | 3,682 |
| Noninterest income to average assets | 0.1321% | 4,542 |
| Noninterest expense to average assets | 1.9909% | 3,749 |
| Loan and lease loss provision to assets | 0.0705% | 1,748 |
| Net operating income to assets | 0.4140% | 4,338 |
| Return on assets (ROA) | 0.4140% | 4,367 |
| Pretax return on assets | 0.5726% | 4,234 |
| Return on Equity (ROE) | 3.9012% | 4,302 |
| Retained earnings to average equity (ytd only) | 0.9961% | 4,218 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5853% | 1,171 |
| Assets per employee ($millions) | 5.7104% | 2,897 |
| Cash dividends to net income (ytd only)* | 74.4681% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 1,983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 42.1010% | 4,231 |
| Net loans and leases to deposits | 47.2207% | 4,295 |
| Net loans and leases to core deposits | 49.3888% | 4,328 |
| Total domestic deposits to total assets | 89.1579% | 1,262 |
| Equity capital to assets | 10.5553% | 2,213 |
| Core capital (leverage) ratio | 7.7611% | 4,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,407,500 | 4,722 |
| Average earning assets | $40,080,500 | 4,733 |
| Average equity | $4,819,000 | 4,761 |
| Average total loans | $20,279,500 | 4,685 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 2,125 |
| Cost of funding earning assets | 0.6097% | 2,242 |
| Net interest margin | 3.5938% | 2,159 |
| Noninterest income to average assets | 0.1471% | 4,560 |
| Noninterest expense to average assets | 2.0347% | 4,075 |
| Loan and lease loss provision to assets | 0.0735% | 3,465 |
| Net operating income to assets | 0.7894% | 3,134 |
| Return on assets (ROA) | 0.7894% | 3,253 |
| Pretax return on assets | 1.1889% | 2,368 |
| Return on Equity (ROE) | 6.8423% | 3,263 |
| Retained earnings to average equity (ytd only) | 5.2061% | 2,185 |
| Net charge-offs to loans | 0.2511% | 690 |
| Credit loss provision to net charge-offs | 53.5714% | 3,126 |
| Earnings coverage of net charge-offs (x) | 9.1964% | 2,540 |
| Efficiency ratio | 61.7100% | 3,187 |
| Assets per employee ($millions) | 5.6415% | 2,698 |
| Cash dividends to net income (ytd only)* | 23.9130% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 4,151 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 46.0649% | 4,120 |
| Net loans and leases to deposits | 51.7087% | 4,230 |
| Net loans and leases to core deposits | 53.4846% | 4,284 |
| Total domestic deposits to total assets | 89.0853% | 948 |
| Equity capital to assets | 10.6709% | 2,545 |
| Core capital (leverage) ratio | 8.8656% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,792,400 | 4,761 |
| Average earning assets | $35,755,800 | 4,771 |
| Average equity | $4,706,000 | 4,784 |
| Average total loans | $22,305,400 | 4,671 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 1,756 |
| Cost of funding earning assets | 0.6612% | 2,259 |
| Net interest margin | 3.7724% | 1,701 |
| Noninterest income to average assets | 0.1511% | 4,544 |
| Noninterest expense to average assets | 2.1221% | 3,892 |
| Loan and lease loss provision to assets | 0.0781% | 3,342 |
| Net operating income to assets | 0.8227% | 3,008 |
| Return on assets (ROA) | 0.8227% | 3,130 |
| Pretax return on assets | 1.2659% | 2,174 |
| Return on Equity (ROE) | 6.9821% | 3,207 |
| Retained earnings to average equity (ytd only) | 4.8162% | 2,644 |
| Net charge-offs to loans | 0.1709% | 862 |
| Credit loss provision to net charge-offs | 79.3103% | 2,763 |
| Earnings coverage of net charge-offs (x) | 13.7931% | 2,182 |
| Efficiency ratio | 61.2403% | 3,189 |
| Assets per employee ($millions) | 5.4044% | 2,790 |
| Cash dividends to net income (ytd only)* | 31.0204% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 2,165 |
| Loan loss allowance to noncurrent loans | 1,048.1481% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 3,835 |
| Noncurrent loans to loans | 0.1238% | 3,887 |
| Net loans and leases to total assets | 56.8951% | 3,536 |
| Net loans and leases to deposits | 65.4762% | 3,658 |
| Net loans and leases to core deposits | 68.2370% | 3,747 |
| Total domestic deposits to total assets | 86.8943% | 1,714 |
| Equity capital to assets | 12.6166% | 1,369 |
| Core capital (leverage) ratio | 8.7805% | 3,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,707,500 | 4,801 |
| Average earning assets | $34,884,000 | 4,808 |
| Average equity | $4,678,500 | 4,811 |
| Average total loans | $22,618,250 | 4,693 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 1,878 |
| Cost of funding earning assets | 0.7221% | 2,276 |
| Net interest margin | 3.7910% | 1,860 |
| Noninterest income to average assets | 0.1438% | 4,587 |
| Noninterest expense to average assets | 2.2066% | 3,764 |
| Loan and lease loss provision to assets | 0.0744% | 3,366 |
| Net operating income to assets | 0.7240% | 3,303 |
| Return on assets (ROA) | 0.7240% | 3,412 |
| Pretax return on assets | 1.1951% | 2,383 |
| Return on Equity (ROE) | 6.2836% | 3,409 |
| Retained earnings to average equity (ytd only) | 4.5621% | 2,673 |
| Net charge-offs to loans | 0.2534% | 624 |
| Credit loss provision to net charge-offs | 51.7241% | 2,616 |
| Earnings coverage of net charge-offs (x) | 8.8276% | 2,263 |
| Efficiency ratio | 63.4807% | 2,886 |
| Assets per employee ($millions) | 5.5516% | 2,587 |
| Cash dividends to net income (ytd only)* | 27.3973% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 2,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 4,301 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 58.0942% | 3,502 |
| Net loans and leases to deposits | 66.4449% | 3,683 |
| Net loans and leases to core deposits | 69.1561% | 3,764 |
| Total domestic deposits to total assets | 87.4321% | 1,439 |
| Equity capital to assets | 12.2050% | 1,535 |
| Core capital (leverage) ratio | 8.5091% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1365% | 1,458 |
| Memoranda: | ||
| Average total assets | $40,333,000 | 4,816 |
| Average earning assets | $35,452,667 | 4,826 |
| Average equity | $4,647,000 | 4,841 |
| Average total loans | $22,888,667 | 4,713 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 2,631 |
| Cost of funding earning assets | 0.8012% | 2,389 |
| Net interest margin | 3.5945% | 2,684 |
| Noninterest income to average assets | 0.1656% | 4,541 |
| Noninterest expense to average assets | 2.1817% | 4,053 |
| Loan and lease loss provision to assets | 0.0779% | 2,743 |
| Net operating income to assets | 0.5162% | 3,856 |
| Return on assets (ROA) | 0.5162% | 3,913 |
| Pretax return on assets | 1.0519% | 2,661 |
| Return on Equity (ROE) | 4.6097% | 3,780 |
| Retained earnings to average equity (ytd only) | 1.3916% | 3,638 |
| Net charge-offs to loans | 0.5064% | 284 |
| Credit loss provision to net charge-offs | 24.1379% | 2,182 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,166 |
| Efficiency ratio | 65.8824% | 2,985 |
| Assets per employee ($millions) | 5.6094% | 2,020 |
| Cash dividends to net income (ytd only)* | 69.8113% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 2,739 |
| Loan loss allowance to noncurrent loans | 705.2632% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 3,936 |
| Noncurrent loans to loans | 0.1684% | 3,863 |
| Net loans and leases to total assets | 56.8023% | 3,767 |
| Net loans and leases to deposits | 68.7504% | 3,679 |
| Net loans and leases to core deposits | 72.2724% | 3,744 |
| Total domestic deposits to total assets | 82.6211% | 3,229 |
| Equity capital to assets | 11.7735% | 2,234 |
| Core capital (leverage) ratio | 8.1789% | 4,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3470% | 1,801 |
| Memoranda: | ||
| Average total assets | $41,069,000 | 4,834 |
| Average earning assets | $35,944,000 | 4,853 |
| Average equity | $4,599,000 | 4,884 |
| Average total loans | $22,907,000 | 4,748 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6650% | 2,423 |
| Cost of funding earning assets | 0.7727% | 2,817 |
| Net interest margin | 3.8923% | 2,205 |
| Noninterest income to average assets | 0.1611% | 4,688 |
| Noninterest expense to average assets | 2.3163% | 3,907 |
| Loan and lease loss provision to assets | 0.0755% | 2,485 |
| Net operating income to assets | 1.1556% | 2,235 |
| Return on assets (ROA) | 1.1556% | 2,329 |
| Pretax return on assets | 1.1556% | 2,994 |
| Return on Equity (ROE) | 10.4943% | 2,085 |
| Retained earnings to average equity (ytd only) | 8.5281% | 828 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2945% | 2,877 |
| Assets per employee ($millions) | 5.3590% | 2,185 |
| Cash dividends to net income (ytd only)* | 18.7364% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,205 |
| Loan loss allowance to noncurrent loans | 431.3433% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 3,853 |
| Noncurrent loans to loans | 0.2883% | 3,405 |
| Net loans and leases to total assets | 53.5384% | 4,106 |
| Net loans and leases to deposits | 67.1435% | 3,885 |
| Net loans and leases to core deposits | 69.3235% | 4,002 |
| Total domestic deposits to total assets | 79.7374% | 4,032 |
| Equity capital to assets | 10.6713% | 3,287 |
| Core capital (leverage) ratio | 8.0871% | 5,014 |
| Tier 1 risk-based capital ratio | 13.6142% | 3,452 |
| Total risk-based capital ratio | 14.8645% | 3,363 |
| Memoranda: | ||
| Average total assets | $39,719,000 | 4,894 |
| Average earning assets | $34,555,000 | 4,924 |
| Average equity | $4,373,800 | 4,953 |
| Average total loans | $23,300,400 | 4,798 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7678% | 2,225 |
| Cost of funding earning assets | 0.7671% | 2,883 |
| Net interest margin | 4.0007% | 1,938 |
| Noninterest income to average assets | 0.1575% | 4,762 |
| Noninterest expense to average assets | 2.3186% | 3,907 |
| Loan and lease loss provision to assets | 0.0788% | 2,333 |
| Net operating income to assets | 1.2432% | 2,037 |
| Return on assets (ROA) | 1.2432% | 2,118 |
| Pretax return on assets | 1.2432% | 2,837 |
| Return on Equity (ROE) | 11.1666% | 1,946 |
| Retained earnings to average equity (ytd only) | 9.9669% | 756 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6877% | 3,067 |
| Assets per employee ($millions) | 4.8814% | 2,685 |
| Cash dividends to net income (ytd only)* | 10.7440% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,404 |
| Loan loss allowance to noncurrent loans | 414.7059% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 3,879 |
| Noncurrent loans to loans | 0.2942% | 3,482 |
| Net loans and leases to total assets | 58.4646% | 3,829 |
| Net loans and leases to deposits | 75.0575% | 3,377 |
| Net loans and leases to core deposits | 77.1292% | 3,620 |
| Total domestic deposits to total assets | 77.8930% | 4,365 |
| Equity capital to assets | 11.5900% | 2,602 |
| Core capital (leverage) ratio | 8.1072% | 5,092 |
| Tier 1 risk-based capital ratio | 13.6607% | 3,499 |
| Total risk-based capital ratio | 14.9196% | 3,400 |
| Memoranda: | ||
| Average total assets | $38,930,750 | 4,985 |
| Average earning assets | $33,893,250 | 5,008 |
| Average equity | $4,334,250 | 5,028 |
| Average total loans | $23,315,000 | 4,871 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7767% | 2,137 |
| Cost of funding earning assets | 0.7212% | 3,039 |
| Net interest margin | 4.0555% | 1,739 |
| Noninterest income to average assets | 0.1543% | 4,806 |
| Noninterest expense to average assets | 2.3605% | 3,846 |
| Loan and lease loss provision to assets | 0.0771% | 2,268 |
| Net operating income to assets | 1.2445% | 1,985 |
| Return on assets (ROA) | 1.2445% | 2,038 |
| Pretax return on assets | 1.2445% | 2,771 |
| Return on Equity (ROE) | 11.3340% | 1,852 |
| Retained earnings to average equity (ytd only) | 9.5075% | 906 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1061% | 3,115 |
| Assets per employee ($millions) | 4.8318% | 2,698 |
| Cash dividends to net income (ytd only)* | 16.1157% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 2,686 |
| Loan loss allowance to noncurrent loans | 404.4118% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 3,883 |
| Noncurrent loans to loans | 0.2884% | 3,496 |
| Net loans and leases to total assets | 60.2913% | 3,706 |
| Net loans and leases to deposits | 77.2968% | 3,216 |
| Net loans and leases to core deposits | 79.4525% | 3,465 |
| Total domestic deposits to total assets | 77.9997% | 4,398 |
| Equity capital to assets | 11.4011% | 2,701 |
| Core capital (leverage) ratio | 7.9576% | 5,177 |
| Tier 1 risk-based capital ratio | 12.8436% | 3,918 |
| Total risk-based capital ratio | 14.0490% | 3,850 |
| Memoranda: | ||
| Average total assets | $38,890,670 | 5,025 |
| Average earning assets | $33,830,670 | 5,050 |
| Average equity | $4,270,330 | 5,074 |
| Average total loans | $23,382,330 | 4,909 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6143% | 2,489 |
| Cost of funding earning assets | 0.6524% | 3,308 |
| Net interest margin | 3.9619% | 1,978 |
| Noninterest income to average assets | 0.0820% | 5,138 |
| Noninterest expense to average assets | 2.2149% | 4,225 |
| Loan and lease loss provision to assets | 0.0820% | 2,057 |
| Net operating income to assets | 1.2100% | 2,017 |
| Return on assets (ROA) | 1.2100% | 2,067 |
| Pretax return on assets | 1.2100% | 2,767 |
| Return on Equity (ROE) | 11.2327% | 1,854 |
| Retained earnings to average equity (ytd only) | 7.5202% | 1,839 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 3,364 |
| Assets per employee ($millions) | 4.2440% | 3,557 |
| Cash dividends to net income (ytd only)* | 33.0508% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 2,733 |
| 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 | 58.9564% | 3,788 |
| Net loans and leases to deposits | 70.7677% | 3,712 |
| Net loans and leases to core deposits | 72.6279% | 3,902 |
| Total domestic deposits to total assets | 83.3098% | 3,278 |
| Equity capital to assets | 11.1294% | 2,722 |
| Core capital (leverage) ratio | 7.7002% | 5,259 |
| Tier 1 risk-based capital ratio | 12.7289% | 4,026 |
| Total risk-based capital ratio | 13.9453% | 3,936 |
| Memoranda: | ||
| Average total assets | $39,009,000 | 5,078 |
| Average earning assets | $33,721,500 | 5,106 |
| Average equity | $4,202,000 | 5,125 |
| Average total loans | $23,283,500 | 4,964 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8303% | 1,468 |
| Cost of funding earning assets | 0.5346% | 3,147 |
| Net interest margin | 4.2956% | 1,170 |
| Noninterest income to average assets | 0.1119% | 5,115 |
| Noninterest expense to average assets | 2.6729% | 3,118 |
| Loan and lease loss provision to assets | 0.0959% | 2,240 |
| Net operating income to assets | 1.0423% | 2,834 |
| Return on assets (ROA) | 1.0423% | 2,821 |
| Pretax return on assets | 1.0423% | 3,470 |
| Return on Equity (ROE) | 8.7719% | 3,108 |
| Retained earnings to average equity (ytd only) | 8.7719% | 945 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1342% | 2,154 |
| Assets per employee ($millions) | 4.4247% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 3,151 |
| Loan loss allowance to noncurrent loans | 1,529.4118% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 4,639 |
| Noncurrent loans to loans | 0.0715% | 4,435 |
| Net loans and leases to total assets | 59.0653% | 3,864 |
| Net loans and leases to deposits | 70.0468% | 3,824 |
| Net loans and leases to core deposits | 71.7913% | 3,999 |
| Total domestic deposits to total assets | 84.3227% | 2,901 |
| Equity capital to assets | 10.4289% | 3,256 |
| Core capital (leverage) ratio | 7.5325% | 5,320 |
| Tier 1 risk-based capital ratio | 11.8522% | 4,534 |
| Total risk-based capital ratio | 12.9902% | 4,479 |
| Memoranda: | ||
| Average total assets | $31,277,000 | 5,223 |
| Average earning assets | $26,934,400 | 5,240 |
| Average equity | $3,716,400 | 5,209 |
| Average total loans | $20,322,800 | 5,066 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8841% | 1,204 |
| Cost of funding earning assets | 0.5202% | 3,061 |
| Net interest margin | 4.3638% | 981 |
| Noninterest income to average assets | 0.1144% | 5,157 |
| Noninterest expense to average assets | 2.8505% | 2,457 |
| Loan and lease loss provision to assets | 0.1052% | 1,909 |
| Net operating income to assets | 0.9196% | 3,435 |
| Return on assets (ROA) | 0.9196% | 3,437 |
| Pretax return on assets | 0.9196% | 3,949 |
| Return on Equity (ROE) | 7.4287% | 3,774 |
| Retained earnings to average equity (ytd only) | 7.4287% | 1,913 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5537% | 1,658 |
| Assets per employee ($millions) | 4.0236% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 2,679 |
| 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 | 57.7792% | 4,063 |
| Net loans and leases to deposits | 65.2356% | 4,256 |
| Net loans and leases to core deposits | 66.9322% | 4,358 |
| Total domestic deposits to total assets | 88.5701% | 1,014 |
| Equity capital to assets | 11.0930% | 2,585 |
| Core capital (leverage) ratio | 7.3364% | 5,407 |
| Tier 1 risk-based capital ratio | 12.5799% | 4,167 |
| Total risk-based capital ratio | 13.8187% | 4,056 |
| Memoranda: | ||
| Average total assets | $29,140,750 | 5,322 |
| Average earning assets | $25,115,000 | 5,331 |
| Average equity | $3,607,500 | 5,290 |
| Average total loans | $19,458,250 | 5,147 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 1,045 |
| Cost of funding earning assets | 0.5569% | 2,549 |
| Net interest margin | 4.3330% | 973 |
| Noninterest income to average assets | 0.1045% | 5,258 |
| Noninterest expense to average assets | 3.0690% | 1,862 |
| Loan and lease loss provision to assets | 0.1120% | 1,768 |
| Net operating income to assets | 0.6422% | 4,370 |
| Return on assets (ROA) | 0.6422% | 4,377 |
| Pretax return on assets | 0.6422% | 4,658 |
| Return on Equity (ROE) | 4.9553% | 4,562 |
| Retained earnings to average equity (ytd only) | 4.9553% | 3,097 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2734% | 983 |
| Assets per employee ($millions) | 4.0747% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 2,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 54.9329% | 4,254 |
| Net loans and leases to deposits | 61.7112% | 4,437 |
| Net loans and leases to core deposits | 62.7785% | 4,571 |
| Total domestic deposits to total assets | 89.0161% | 925 |
| Equity capital to assets | 10.7930% | 2,842 |
| Core capital (leverage) ratio | 7.3510% | 5,456 |
| Tier 1 risk-based capital ratio | 12.7509% | 4,039 |
| Total risk-based capital ratio | 14.0019% | 3,941 |
| Memoranda: | ||
| Average total assets | $26,783,670 | 5,412 |
| Average earning assets | $22,986,330 | 5,418 |
| Average equity | $3,471,000 | 5,372 |
| Average total loans | $18,886,000 | 5,219 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9838% | 719 |
| Cost of funding earning assets | 0.6257% | 1,875 |
| Net interest margin | 4.3581% | 840 |
| Noninterest income to average assets | 0.1282% | 5,223 |
| Noninterest expense to average assets | 2.6741% | 3,122 |
| Loan and lease loss provision to assets | 0.1465% | 1,261 |
| Net operating income to assets | 1.0073% | 2,828 |
| Return on assets (ROA) | 1.0073% | 2,847 |
| Pretax return on assets | 1.0073% | 3,509 |
| Return on Equity (ROE) | 6.8164% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.8164% | 2,358 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8565% | 2,504 |
| Assets per employee ($millions) | 4.0728% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 2,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 86.5105% | 223 |
| Net loans and leases to deposits | 119.0821% | 124 |
| Net loans and leases to core deposits | 121.4714% | 542 |
| Total domestic deposits to total assets | 72.6478% | 5,242 |
| Equity capital to assets | 15.9841% | 487 |
| Core capital (leverage) ratio | 14.3160% | 804 |
| Tier 1 risk-based capital ratio | 18.2410% | 1,764 |
| Total risk-based capital ratio | 19.5001% | 1,724 |
| Memoranda: | ||
| Average total assets | $21,839,500 | 5,518 |
| Average earning assets | $18,540,000 | 5,529 |
| Average equity | $3,227,500 | 5,451 |
| Average total loans | $18,134,000 | 5,293 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7083% | 1,177 |
| Cost of funding earning assets | 0.5904% | 1,670 |
| Net interest margin | 4.1179% | 1,378 |
| Noninterest income to average assets | 0.1314% | 5,287 |
| Noninterest expense to average assets | 2.5428% | 3,631 |
| Loan and lease loss provision to assets | 0.1271% | 1,798 |
| Net operating income to assets | 0.9196% | 2,598 |
| Return on assets (ROA) | 0.9196% | 2,629 |
| Pretax return on assets | 0.9196% | 3,843 |
| Return on Equity (ROE) | 7.0227% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.0227% | 1,066 |
| Net charge-offs to loans | 0.0824% | 2,275 |
| Credit loss provision to net charge-offs | 200.0000% | 1,355 |
| Earnings coverage of net charge-offs (x) | 16.4667% | 2,178 |
| Efficiency ratio | 70.8383% | 2,426 |
| Assets per employee ($millions) | 4.6630% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 77.9884% | 1,288 |
| Net loans and leases to deposits | 103.6541% | 507 |
| Net loans and leases to core deposits | 105.4026% | 1,311 |
| Total domestic deposits to total assets | 75.2391% | 5,065 |
| Equity capital to assets | 13.7251% | 980 |
| Core capital (leverage) ratio | 13.9192% | 854 |
| Tier 1 risk-based capital ratio | 16.7959% | 2,161 |
| Total risk-based capital ratio | 16.7959% | 2,543 |
| Memoranda: | ||
| Average total assets | $23,596,400 | 5,563 |
| Average earning assets | $19,816,000 | 5,567 |
| Average equity | $3,090,000 | 5,521 |
| Average total loans | $18,199,800 | 5,355 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 1,307 |
| Cost of funding earning assets | 0.5848% | 1,647 |
| Net interest margin | 4.0403% | 1,570 |
| Noninterest income to average assets | 0.1465% | 5,275 |
| Noninterest expense to average assets | 2.4676% | 3,831 |
| Loan and lease loss provision to assets | 0.1690% | 1,196 |
| Net operating income to assets | 0.9352% | 2,851 |
| Return on assets (ROA) | 0.9352% | 2,911 |
| Pretax return on assets | 0.9352% | 3,918 |
| Return on Equity (ROE) | 7.2271% | 3,533 |
| Retained earnings to average equity (ytd only) | 7.2271% | 1,580 |
| Net charge-offs to loans | 0.1102% | 1,690 |
| Credit loss provision to net charge-offs | 200.0000% | 1,340 |
| Earnings coverage of net charge-offs (x) | 13.0665% | 2,379 |
| Efficiency ratio | 69.0852% | 2,694 |
| Assets per employee ($millions) | 4.1640% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 2,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 86.1335% | 254 |
| Net loans and leases to deposits | 114.8447% | 169 |
| Net loans and leases to core deposits | 117.0256% | 708 |
| Total domestic deposits to total assets | 75.0000% | 5,122 |
| Equity capital to assets | 15.1297% | 709 |
| Core capital (leverage) ratio | 13.5492% | 1,009 |
| Tier 1 risk-based capital ratio | 17.3121% | 2,061 |
| Total risk-based capital ratio | 18.5728% | 2,011 |
| Memoranda: | ||
| Average total assets | $23,666,750 | 5,625 |
| Average earning assets | $20,064,250 | 5,630 |
| Average equity | $3,062,500 | 5,585 |
| Average total loans | $18,146,500 | 5,411 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4923% | 1,531 |
| Cost of funding earning assets | 0.5762% | 1,606 |
| Net interest margin | 3.9161% | 1,873 |
| Noninterest income to average assets | 0.1544% | 5,287 |
| Noninterest expense to average assets | 2.3400% | 4,241 |
| Loan and lease loss provision to assets | 0.2437% | 690 |
| Net operating income to assets | 0.8287% | 3,253 |
| Return on assets (ROA) | 0.8287% | 3,307 |
| Pretax return on assets | 0.8287% | 4,167 |
| Return on Equity (ROE) | 6.7253% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.7253% | 1,726 |
| Net charge-offs to loans | 0.1654% | 1,176 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 8.8000% | 2,482 |
| Efficiency ratio | 68.5714% | 2,910 |
| Assets per employee ($millions) | 4.4664% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 2,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 79.6839% | 996 |
| Net loans and leases to deposits | 97.8070% | 909 |
| Net loans and leases to core deposits | 99.3967% | 1,691 |
| Total domestic deposits to total assets | 81.4705% | 4,055 |
| Equity capital to assets | 13.8187% | 1,024 |
| Core capital (leverage) ratio | 11.5693% | 1,925 |
| Tier 1 risk-based capital ratio | 16.7294% | 2,225 |
| Total risk-based capital ratio | 17.9781% | 2,187 |
| Memoranda: | ||
| Average total assets | $24,615,670 | 5,658 |
| Average earning assets | $20,479,670 | 5,670 |
| Average equity | $3,033,330 | 5,632 |
| Average total loans | $18,141,000 | 5,459 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2462% | 2,109 |
| Cost of funding earning assets | 0.5903% | 1,440 |
| Net interest margin | 3.6559% | 2,673 |
| Noninterest income to average assets | 0.2019% | 5,058 |
| Noninterest expense to average assets | 2.2362% | 4,564 |
| Loan and lease loss provision to assets | 0.2329% | 662 |
| Net operating income to assets | 0.7144% | 3,644 |
| Return on assets (ROA) | 0.7144% | 3,684 |
| Pretax return on assets | 0.7144% | 4,405 |
| Return on Equity (ROE) | 6.1191% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.1191% | 2,274 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2439% | 2,846 |
| Assets per employee ($millions) | 5.0260% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 2,407 |
| Loan loss allowance to noncurrent loans | 520.4545% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 4,542 |
| Noncurrent loans to loans | 0.2549% | 4,200 |
| Net loans and leases to total assets | 67.7875% | 2,709 |
| Net loans and leases to deposits | 87.1311% | 1,899 |
| Net loans and leases to core deposits | 88.4476% | 2,502 |
| Total domestic deposits to total assets | 77.7994% | 4,991 |
| Equity capital to assets | 12.0573% | 1,792 |
| Core capital (leverage) ratio | 11.0261% | 2,335 |
| Tier 1 risk-based capital ratio | 17.0920% | 2,155 |
| Total risk-based capital ratio | 18.3463% | 2,105 |
| Memoranda: | ||
| Average total assets | $25,757,500 | 5,721 |
| Average earning assets | $21,007,000 | 5,734 |
| Average equity | $3,007,000 | 5,698 |
| Average total loans | $18,199,000 | 5,516 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 1,035 |
| Cost of funding earning assets | 0.5142% | 1,987 |
| Net interest margin | 4.2032% | 1,108 |
| Noninterest income to average assets | 0.1148% | 5,602 |
| Noninterest expense to average assets | 2.4101% | 4,282 |
| Loan and lease loss provision to assets | 0.2459% | 857 |
| Net operating income to assets | 0.9099% | 2,771 |
| Return on assets (ROA) | 0.9099% | 2,886 |
| Pretax return on assets | 0.9099% | 3,816 |
| Return on Equity (ROE) | 7.7471% | 3,083 |
| Retained earnings to average equity (ytd only) | 7.7471% | 943 |
| Net charge-offs to loans | 0.0266% | 3,501 |
| Credit loss provision to net charge-offs | 1,200.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 56.4000% | 942 |
| Efficiency ratio | 67.5862% | 3,327 |
| Assets per employee ($millions) | 5.2770% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 3,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 71.7036% | 2,205 |
| Net loans and leases to deposits | 95.4204% | 1,056 |
| Net loans and leases to core deposits | 96.8417% | 1,847 |
| Total domestic deposits to total assets | 75.1450% | 5,334 |
| Equity capital to assets | 11.3095% | 2,321 |
| Core capital (leverage) ratio | 11.2174% | 2,157 |
| Tier 1 risk-based capital ratio | 14.3440% | 3,256 |
| Total risk-based capital ratio | 15.4824% | 3,258 |
| Memoranda: | ||
| Average total assets | $24,397,200 | 5,784 |
| Average earning assets | $20,032,400 | 5,799 |
| Average equity | $2,865,600 | 5,768 |
| Average total loans | $18,772,400 | 5,552 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 1,096 |
| Cost of funding earning assets | 0.4993% | 2,109 |
| Net interest margin | 4.1873% | 1,152 |
| Noninterest income to average assets | 0.1172% | 5,652 |
| Noninterest expense to average assets | 2.4490% | 4,137 |
| Loan and lease loss provision to assets | 0.2510% | 752 |
| Net operating income to assets | 0.9261% | 2,778 |
| Return on assets (ROA) | 0.9261% | 2,906 |
| Pretax return on assets | 0.9261% | 3,889 |
| Return on Equity (ROE) | 7.8043% | 3,115 |
| Retained earnings to average equity (ytd only) | 7.8043% | 1,254 |
| Net charge-offs to loans | 0.0357% | 2,913 |
| Credit loss provision to net charge-offs | 900.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 42.1784% | 1,195 |
| Efficiency ratio | 67.5385% | 3,314 |
| Assets per employee ($millions) | 4.6576% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 4,324 |
| Loan loss allowance to noncurrent loans | 26.5252% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 3.2377% | 333 |
| Noncurrent loans to loans | 3.8251% | 306 |
| Net loans and leases to total assets | 83.7856% | 423 |
| Net loans and leases to deposits | 123.5015% | 82 |
| Net loans and leases to core deposits | 125.8189% | 373 |
| Total domestic deposits to total assets | 67.8418% | 5,769 |
| Equity capital to assets | 12.5687% | 1,736 |
| Core capital (leverage) ratio | 11.9615% | 1,701 |
| Tier 1 risk-based capital ratio | 14.1002% | 3,506 |
| Total risk-based capital ratio | 15.1647% | 3,530 |
| Memoranda: | ||
| Average total assets | $23,900,250 | 5,849 |
| Average earning assets | $20,028,250 | 5,863 |
| Average equity | $2,836,000 | 5,834 |
| Average total loans | $18,682,000 | 5,609 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5703% | 1,332 |
| Cost of funding earning assets | 0.4944% | 2,150 |
| Net interest margin | 4.0759% | 1,430 |
| Noninterest income to average assets | 0.1079% | 5,751 |
| Noninterest expense to average assets | 2.5307% | 3,943 |
| Loan and lease loss provision to assets | 0.2489% | 778 |
| Net operating income to assets | 0.6804% | 3,896 |
| Return on assets (ROA) | 0.6804% | 4,039 |
| Pretax return on assets | 0.6804% | 4,678 |
| Return on Equity (ROE) | 5.8453% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.8453% | 2,217 |
| Net charge-offs to loans | 0.0545% | 2,423 |
| Credit loss provision to net charge-offs | 600.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 22.4000% | 1,629 |
| Efficiency ratio | 73.1415% | 2,493 |
| Assets per employee ($millions) | 4.5876% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 4,683 |
| Loan loss allowance to noncurrent loans | 43.6321% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 1.8485% | 917 |
| Noncurrent loans to loans | 2.2193% | 841 |
| Net loans and leases to total assets | 82.4832% | 575 |
| Net loans and leases to deposits | 107.9601% | 303 |
| Net loans and leases to core deposits | 109.7830% | 943 |
| Total domestic deposits to total assets | 76.4016% | 5,234 |
| Equity capital to assets | 12.3943% | 1,841 |
| Core capital (leverage) ratio | 11.1000% | 2,327 |
| Tier 1 risk-based capital ratio | 14.0861% | 3,554 |
| Total risk-based capital ratio | 15.1040% | 3,608 |
| Memoranda: | ||
| Average total assets | $24,104,330 | 5,921 |
| Average earning assets | $19,823,670 | 5,940 |
| Average equity | $2,805,670 | 5,909 |
| Average total loans | $18,338,670 | 5,689 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5977% | 1,271 |
| Cost of funding earning assets | 0.4721% | 2,353 |
| Net interest margin | 4.1256% | 1,278 |
| Noninterest income to average assets | 0.1134% | 5,777 |
| Noninterest expense to average assets | 2.2846% | 4,706 |
| Loan and lease loss provision to assets | 0.2430% | 737 |
| Net operating income to assets | 0.8425% | 3,019 |
| Return on assets (ROA) | 0.8425% | 3,153 |
| Pretax return on assets | 0.8425% | 4,055 |
| Return on Equity (ROE) | 7.4632% | 3,206 |
| Retained earnings to average equity (ytd only) | 7.4632% | 1,684 |
| Net charge-offs to loans | 0.1114% | 1,458 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 13.4000% | 1,738 |
| Efficiency ratio | 67.7885% | 3,499 |
| Assets per employee ($millions) | 4.8410% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 4,808 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 72.4685% | 1,953 |
| Net loans and leases to deposits | 88.4658% | 1,773 |
| Net loans and leases to core deposits | 89.7835% | 2,396 |
| Total domestic deposits to total assets | 81.9170% | 4,253 |
| Equity capital to assets | 11.6216% | 2,319 |
| Core capital (leverage) ratio | 10.5095% | 2,952 |
| Tier 1 risk-based capital ratio | 14.6298% | 3,323 |
| Total risk-based capital ratio | 15.6140% | 3,394 |
| Memoranda: | ||
| Average total assets | $24,687,500 | 5,976 |
| Average earning assets | $19,488,000 | 6,008 |
| Average equity | $2,787,000 | 5,967 |
| Average total loans | $17,955,500 | 5,753 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0903% | 526 |
| Cost of funding earning assets | 0.4933% | 2,218 |
| Net interest margin | 4.5969% | 552 |
| Noninterest income to average assets | 0.3352% | 4,504 |
| Noninterest expense to average assets | 2.9978% | 2,553 |
| Loan and lease loss provision to assets | 0.4910% | 233 |
| Net operating income to assets | 0.7176% | 3,723 |
| Return on assets (ROA) | 0.7176% | 3,832 |
| Pretax return on assets | 0.7176% | 4,478 |
| Return on Equity (ROE) | 5.6590% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.6590% | 1,980 |
| Net charge-offs to loans | 0.0434% | 3,344 |
| Credit loss provision to net charge-offs | 1,485.7143% | 233 |
| Earnings coverage of net charge-offs (x) | 36.5714% | 1,263 |
| Efficiency ratio | 71.2682% | 3,021 |
| Assets per employee ($millions) | 5.0340% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 5,159 |
| Loan loss allowance to noncurrent loans | 1,230.7692% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 5,469 |
| Noncurrent loans to loans | 0.0714% | 5,224 |
| Net loans and leases to total assets | 71.6726% | 2,113 |
| Net loans and leases to deposits | 86.5394% | 2,055 |
| Net loans and leases to core deposits | 87.7645% | 2,625 |
| Total domestic deposits to total assets | 82.8208% | 3,897 |
| Equity capital to assets | 10.9694% | 2,850 |
| Core capital (leverage) ratio | 11.7203% | 1,804 |
| Tier 1 risk-based capital ratio | 14.2044% | 3,604 |
| Total risk-based capital ratio | 15.1146% | 3,725 |
| Memoranda: | ||
| Average total assets | $21,182,200 | 6,081 |
| Average earning assets | $17,838,000 | 6,086 |
| Average equity | $2,686,000 | 6,033 |
| Average total loans | $16,111,400 | 5,863 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2738% | 388 |
| Cost of funding earning assets | 0.5059% | 2,161 |
| Net interest margin | 4.7679% | 401 |
| Noninterest income to average assets | 0.4161% | 3,961 |
| Noninterest expense to average assets | 3.0649% | 2,316 |
| Loan and lease loss provision to assets | 0.6869% | 121 |
| Net operating income to assets | 0.7728% | 3,567 |
| Return on assets (ROA) | 0.7728% | 3,656 |
| Pretax return on assets | 0.7728% | 4,417 |
| Return on Equity (ROE) | 5.8487% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.8487% | 2,339 |
| Net charge-offs to loans | 0.0598% | 2,746 |
| Credit loss provision to net charge-offs | 1,485.7143% | 246 |
| Earnings coverage of net charge-offs (x) | 31.5820% | 1,450 |
| Efficiency ratio | 67.7372% | 3,595 |
| Assets per employee ($millions) | 3.9108% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 4,870 |
| Loan loss allowance to noncurrent loans | 1,230.7692% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 5,502 |
| Noncurrent loans to loans | 0.0791% | 5,307 |
| Net loans and leases to total assets | 83.2055% | 452 |
| Net loans and leases to deposits | 103.3278% | 483 |
| Net loans and leases to core deposits | 105.1034% | 1,163 |
| Total domestic deposits to total assets | 80.5257% | 4,597 |
| Equity capital to assets | 13.9460% | 1,046 |
| Core capital (leverage) ratio | 12.0442% | 1,652 |
| Tier 1 risk-based capital ratio | 16.0472% | 2,775 |
| Total risk-based capital ratio | 17.0905% | 2,812 |
| Memoranda: | ||
| Average total assets | $20,185,250 | 6,176 |
| Average earning assets | $17,393,750 | 6,175 |
| Average equity | $2,667,250 | 6,118 |
| Average total loans | $15,589,250 | 5,953 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3354% | 346 |
| Cost of funding earning assets | 0.5103% | 2,160 |
| Net interest margin | 4.8251% | 342 |
| Noninterest income to average assets | 0.4609% | 3,623 |
| Noninterest expense to average assets | 2.9222% | 2,806 |
| Loan and lease loss provision to assets | 0.7355% | 114 |
| Net operating income to assets | 0.8825% | 2,977 |
| Return on assets (ROA) | 0.8825% | 3,090 |
| Pretax return on assets | 0.8825% | 4,020 |
| Return on Equity (ROE) | 6.7993% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.7993% | 1,791 |
| Net charge-offs to loans | 0.0914% | 2,109 |
| Credit loss provision to net charge-offs | 1,071.4286% | 326 |
| Earnings coverage of net charge-offs (x) | 23.5714% | 1,604 |
| Efficiency ratio | 64.3629% | 4,296 |
| Assets per employee ($millions) | 3.9570% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 5,462 |
| Loan loss allowance to noncurrent loans | 689.4737% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 5,478 |
| Noncurrent loans to loans | 0.1237% | 5,259 |
| Net loans and leases to total assets | 76.9977% | 1,216 |
| Net loans and leases to deposits | 92.6924% | 1,290 |
| Net loans and leases to core deposits | 94.2115% | 1,939 |
| Total domestic deposits to total assets | 83.0680% | 3,923 |
| Equity capital to assets | 13.6416% | 1,113 |
| Core capital (leverage) ratio | 12.3032% | 1,483 |
| Tier 1 risk-based capital ratio | 16.8003% | 2,485 |
| Total risk-based capital ratio | 17.7060% | 2,587 |
| Memoranda: | ||
| Average total assets | $20,395,670 | 6,249 |
| Average earning assets | $17,243,330 | 6,252 |
| Average equity | $2,647,330 | 6,187 |
| Average total loans | $15,309,000 | 6,023 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9117% | 683 |
| Cost of funding earning assets | 0.5003% | 2,274 |
| Net interest margin | 4.4115% | 716 |
| Noninterest income to average assets | 0.5408% | 3,018 |
| Noninterest expense to average assets | 2.9360% | 2,788 |
| Loan and lease loss provision to assets | 0.5795% | 165 |
| Net operating income to assets | 0.7726% | 3,400 |
| Return on assets (ROA) | 0.7726% | 3,540 |
| Pretax return on assets | 0.7726% | 4,338 |
| Return on Equity (ROE) | 6.0860% | 3,987 |
| Retained earnings to average equity (ytd only) | 6.0860% | 2,444 |
| Net charge-offs to loans | 0.1832% | 1,195 |
| Credit loss provision to net charge-offs | 428.5714% | 618 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,966 |
| Efficiency ratio | 68.4685% | 3,744 |
| Assets per employee ($millions) | 4.0236% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 6,007 |
| Loan loss allowance to noncurrent loans | 31.7881% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 1.5011% | 1,747 |
| Noncurrent loans to loans | 1.9987% | 1,306 |
| Net loans and leases to total assets | 74.6297% | 1,411 |
| Net loans and leases to deposits | 89.9311% | 1,401 |
| Net loans and leases to core deposits | 89.9311% | 2,136 |
| Total domestic deposits to total assets | 82.9854% | 4,187 |
| Equity capital to assets | 13.1673% | 1,318 |
| Core capital (leverage) ratio | 11.6803% | 1,867 |
| Tier 1 risk-based capital ratio | 16.6678% | 2,606 |
| Total risk-based capital ratio | 17.3407% | 2,813 |
| Memoranda: | ||
| Average total assets | $20,708,500 | 6,315 |
| Average earning assets | $17,590,500 | 6,313 |
| Average equity | $2,629,000 | 6,254 |
| Average total loans | $15,281,000 | 6,077 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9226% | 888 |
| Cost of funding earning assets | 0.5287% | 2,402 |
| Net interest margin | 4.3939% | 896 |
| Noninterest income to average assets | 0.5757% | 3,020 |
| Noninterest expense to average assets | 2.9355% | 3,038 |
| Loan and lease loss provision to assets | 0.7136% | 174 |
| Net operating income to assets | 0.4853% | 4,870 |
| Return on assets (ROA) | 0.4853% | 4,956 |
| Pretax return on assets | 0.4853% | 5,285 |
| Return on Equity (ROE) | 3.9991% | 5,114 |
| Retained earnings to average equity (ytd only) | 3.9991% | 3,362 |
| Net charge-offs to loans | 0.8730% | 373 |
| Credit loss provision to net charge-offs | 116.2791% | 2,055 |
| Earnings coverage of net charge-offs (x) | 1.9535% | 4,295 |
| Efficiency ratio | 71.0012% | 3,374 |
| Assets per employee ($millions) | 5.3248% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4660% | 6,283 |
| Loan loss allowance to noncurrent loans | 23.0032% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 1.4696% | 1,870 |
| Noncurrent loans to loans | 2.0256% | 1,366 |
| Net loans and leases to total assets | 72.2100% | 1,871 |
| Net loans and leases to deposits | 85.8738% | 1,999 |
| Net loans and leases to core deposits | 85.8738% | 2,702 |
| Total domestic deposits to total assets | 84.0885% | 3,673 |
| Equity capital to assets | 12.2494% | 1,825 |
| Core capital (leverage) ratio | 11.1459% | 2,263 |
| Tier 1 risk-based capital ratio | 15.4829% | 3,233 |
| Total risk-based capital ratio | 15.4829% | 3,877 |
| Memoranda: | ||
| Average total assets | $21,018,800 | 6,396 |
| Average earning assets | $17,023,600 | 6,410 |
| Average equity | $2,550,600 | 6,342 |
| Average total loans | $14,776,200 | 6,167 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 968 |
| Cost of funding earning assets | 0.5159% | 2,602 |
| Net interest margin | 4.3653% | 931 |
| Noninterest income to average assets | 0.5728% | 3,050 |
| Noninterest expense to average assets | 3.0805% | 2,525 |
| Loan and lease loss provision to assets | 0.7001% | 185 |
| Net operating income to assets | 0.2928% | 5,611 |
| Return on assets (ROA) | 0.2928% | 5,680 |
| Pretax return on assets | 0.2928% | 5,791 |
| Return on Equity (ROE) | 2.4184% | 5,732 |
| Retained earnings to average equity (ytd only) | 2.4184% | 4,847 |
| Net charge-offs to loans | 0.2556% | 1,516 |
| Credit loss provision to net charge-offs | 392.8571% | 714 |
| Earnings coverage of net charge-offs (x) | 5.5717% | 3,234 |
| Efficiency ratio | 75.6250% | 2,553 |
| Assets per employee ($millions) | 4.9848% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 5,370 |
| Loan loss allowance to noncurrent loans | 22.6734% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 2.9640% | 802 |
| Noncurrent loans to loans | 4.2515% | 474 |
| Net loans and leases to total assets | 69.0456% | 2,358 |
| Net loans and leases to deposits | 84.7774% | 2,060 |
| Net loans and leases to core deposits | 84.7774% | 2,803 |
| Total domestic deposits to total assets | 81.4434% | 4,683 |
| Equity capital to assets | 12.8091% | 1,516 |
| Core capital (leverage) ratio | 10.4600% | 3,089 |
| Tier 1 risk-based capital ratio | 16.2058% | 2,954 |
| Total risk-based capital ratio | 17.2154% | 3,022 |
| Memoranda: | ||
| Average total assets | $20,948,750 | 6,473 |
| Average earning assets | $16,799,000 | 6,493 |
| Average equity | $2,536,000 | 6,418 |
| Average total loans | $14,607,250 | 6,241 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9478% | 820 |
| Cost of funding earning assets | 0.5221% | 2,616 |
| Net interest margin | 4.4257% | 813 |
| Noninterest income to average assets | 0.5638% | 3,024 |
| Noninterest expense to average assets | 3.1101% | 2,454 |
| Loan and lease loss provision to assets | 0.7517% | 173 |
| Net operating income to assets | 0.2067% | 5,817 |
| Return on assets (ROA) | 0.2067% | 5,875 |
| Pretax return on assets | 0.2067% | 5,935 |
| Return on Equity (ROE) | 1.7391% | 5,903 |
| Retained earnings to average equity (ytd only) | 1.7391% | 5,033 |
| Net charge-offs to loans | 0.3773% | 1,077 |
| Credit loss provision to net charge-offs | 285.7143% | 892 |
| Earnings coverage of net charge-offs (x) | 3.6429% | 3,250 |
| Efficiency ratio | 76.4434% | 2,543 |
| Assets per employee ($millions) | 5.0225% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 6,005 |
| Loan loss allowance to noncurrent loans | 33.7662% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 1.5331% | 2,126 |
| Noncurrent loans to loans | 2.3363% | 1,376 |
| Net loans and leases to total assets | 65.1020% | 2,893 |
| Net loans and leases to deposits | 80.3576% | 2,468 |
| Net loans and leases to core deposits | 80.3576% | 3,171 |
| Total domestic deposits to total assets | 81.0154% | 4,974 |
| Equity capital to assets | 12.5834% | 1,593 |
| Core capital (leverage) ratio | 10.6287% | 2,794 |
| Tier 1 risk-based capital ratio | 17.1705% | 2,551 |
| Total risk-based capital ratio | 18.0089% | 2,694 |
| Memoranda: | ||
| Average total assets | $21,285,330 | 6,535 |
| Average earning assets | $16,856,000 | 6,559 |
| Average equity | $2,530,000 | 6,476 |
| Average total loans | $14,842,670 | 6,288 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1880% | 499 |
| Cost of funding earning assets | 0.5006% | 2,904 |
| Net interest margin | 4.6874% | 481 |
| Noninterest income to average assets | 0.6215% | 2,612 |
| Noninterest expense to average assets | 3.2537% | 2,060 |
| Loan and lease loss provision to assets | 0.8226% | 142 |
| Net operating income to assets | 0.3107% | 5,454 |
| Return on assets (ROA) | 0.3107% | 5,504 |
| Pretax return on assets | 0.3107% | 5,691 |
| Return on Equity (ROE) | 2.6867% | 5,566 |
| Retained earnings to average equity (ytd only) | 2.6867% | 4,470 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1667% | 3,107 |
| Assets per employee ($millions) | 5.2345% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6552% | 6,336 |
| Loan loss allowance to noncurrent loans | 39.5062% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 1.1606% | 2,938 |
| Noncurrent loans to loans | 1.6584% | 2,336 |
| Net loans and leases to total assets | 69.5243% | 1,982 |
| Net loans and leases to deposits | 84.9945% | 1,724 |
| Net loans and leases to core deposits | 84.9945% | 2,424 |
| Total domestic deposits to total assets | 81.7986% | 4,999 |
| Equity capital to assets | 12.2027% | 1,744 |
| Core capital (leverage) ratio | 9.9596% | 3,621 |
| Tier 1 risk-based capital ratio | 15.2118% | 3,608 |
| Total risk-based capital ratio | 15.9009% | 3,872 |
| Memoranda: | ||
| Average total assets | $21,883,000 | 6,597 |
| Average earning assets | $17,579,000 | 6,616 |
| Average equity | $2,531,000 | 6,531 |
| Average total loans | $15,672,500 | 6,322 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3023% | 6,668 |
| Cost of funding earning assets | 0.2323% | 6,079 |
| Net interest margin | 2.0700% | 6,631 |
| Noninterest income to average assets | 0.1887% | 5,955 |
| Noninterest expense to average assets | 1.2026% | 6,714 |
| Loan and lease loss provision to assets | 0.2282% | 1,591 |
| Net operating income to assets | 0.5179% | 4,663 |
| Return on assets (ROA) | 0.5179% | 4,786 |
| Pretax return on assets | 0.5179% | 5,148 |
| Return on Equity (ROE) | 4.2900% | 4,975 |
| Retained earnings to average equity (ytd only) | 4.2900% | 3,122 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7117% | 5,255 |
| Assets per employee ($millions) | 5.7070% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3115% | 6,683 |
| Loan loss allowance to noncurrent loans | 41.6000% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 4,586 |
| Noncurrent loans to loans | 0.7489% | 4,094 |
| Net loans and leases to total assets | 72.8929% | 1,539 |
| Net loans and leases to deposits | 87.4225% | 1,530 |
| Net loans and leases to core deposits | 87.4225% | 2,299 |
| Total domestic deposits to total assets | 83.3801% | 4,401 |
| Equity capital to assets | 10.9821% | 2,626 |
| Core capital (leverage) ratio | 9.4232% | 4,380 |
| Tier 1 risk-based capital ratio | 13.4907% | 4,660 |
| Total risk-based capital ratio | 13.8226% | 5,195 |
| Memoranda: | ||
| Average total assets | $22,783,800 | 6,664 |
| Average earning assets | $19,371,800 | 6,669 |
| Average equity | $2,750,600 | 6,579 |
| Average total loans | $17,875,200 | 6,289 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2962% | 6,846 |
| Cost of funding earning assets | 0.1357% | 6,684 |
| Net interest margin | 1.1604% | 6,837 |
| Noninterest income to average assets | 0.1054% | 6,464 |
| Noninterest expense to average assets | 0.5621% | 6,861 |
| Loan and lease loss provision to assets | 0.0644% | 3,768 |
| Net operating income to assets | 0.4801% | 4,888 |
| Return on assets (ROA) | 0.4801% | 5,045 |
| Pretax return on assets | 0.4801% | 5,417 |
| Return on Equity (ROE) | 3.8887% | 5,268 |
| Retained earnings to average equity (ytd only) | 3.8887% | 3,920 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7937% | 6,352 |
| Assets per employee ($millions) | 6.9897% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0657% | 6,820 |
| Loan loss allowance to noncurrent loans | 73.3333% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 6,220 |
| Noncurrent loans to loans | 0.0896% | 6,064 |
| Net loans and leases to total assets | 79.7940% | 568 |
| Net loans and leases to deposits | 97.9453% | 576 |
| Net loans and leases to core deposits | 97.9453% | 1,250 |
| Total domestic deposits to total assets | 81.4679% | 5,096 |
| Equity capital to assets | 11.7841% | 2,058 |
| Core capital (leverage) ratio | 9.4856% | 4,431 |
| Tier 1 risk-based capital ratio | 13.4019% | 4,838 |
| Total risk-based capital ratio | 13.4019% | 5,620 |
| Memoranda: | ||
| Average total assets | $22,772,750 | 6,737 |
| Average earning assets | $19,647,250 | 6,738 |
| Average equity | $2,811,500 | 6,640 |
| Average total loans | $18,171,000 | 6,348 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5635% | 1,978 |
| Cost of funding earning assets | 0.6982% | 2,074 |
| Net interest margin | 3.8653% | 2,323 |
| Noninterest income to average assets | 0.4877% | 3,911 |
| Noninterest expense to average assets | 2.1220% | 5,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6343% | 702 |
| Return on assets (ROA) | 1.6343% | 766 |
| Pretax return on assets | 1.6343% | 1,264 |
| Return on Equity (ROE) | 13.0598% | 1,232 |
| Retained earnings to average equity (ytd only) | 13.0598% | 378 |
| Net charge-offs to loans | 0.1609% | 2,819 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 12.7333% | 1,960 |
| Efficiency ratio | 56.4920% | 5,902 |
| Assets per employee ($millions) | 7.3383% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 4,538 |
| Loan loss allowance to noncurrent loans | 107.0755% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.9630% | 3,854 |
| Noncurrent loans to loans | 1.2084% | 3,536 |
| Net loans and leases to total assets | 78.6600% | 683 |
| Net loans and leases to deposits | 98.2692% | 523 |
| Net loans and leases to core deposits | 99.7178% | 1,102 |
| Total domestic deposits to total assets | 80.0454% | 5,594 |
| Equity capital to assets | 13.7225% | 1,044 |
| Core capital (leverage) ratio | 9.6863% | 3,956 |
| Tier 1 risk-based capital ratio | 12.7415% | 5,335 |
| Total risk-based capital ratio | 13.9919% | 5,267 |
| Memoranda: | ||
| Average total assets | $23,374,000 | 6,777 |
| Average earning assets | $19,765,670 | 6,782 |
| Average equity | $2,925,000 | 6,674 |
| Average total loans | $18,647,000 | 6,369 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 1,943 |
| Cost of funding earning assets | 0.6823% | 2,370 |
| Net interest margin | 3.8791% | 2,185 |
| Noninterest income to average assets | 0.4989% | 3,777 |
| Noninterest expense to average assets | 2.2783% | 5,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5299% | 803 |
| Return on assets (ROA) | 1.5299% | 877 |
| Pretax return on assets | 1.5299% | 1,490 |
| Return on Equity (ROE) | 12.7911% | 1,216 |
| Retained earnings to average equity (ytd only) | 12.7911% | 582 |
| Net charge-offs to loans | 0.2083% | 2,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.2000% | 1,871 |
| Efficiency ratio | 59.8253% | 5,613 |
| Assets per employee ($millions) | 4.8338% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 4,950 |
| Loan loss allowance to noncurrent loans | 594.8718% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 5,862 |
| Noncurrent loans to loans | 0.2100% | 5,882 |
| Net loans and leases to total assets | 75.8741% | 858 |
| Net loans and leases to deposits | 93.0202% | 726 |
| Net loans and leases to core deposits | 94.4138% | 1,316 |
| Total domestic deposits to total assets | 81.5673% | 5,334 |
| Equity capital to assets | 12.0940% | 1,980 |
| Core capital (leverage) ratio | 8.4554% | 5,642 |
| Tier 1 risk-based capital ratio | 11.2536% | 6,286 |
| Total risk-based capital ratio | 12.5065% | 6,266 |
| Memoranda: | ||
| Average total assets | $24,053,500 | 6,837 |
| Average earning assets | $20,520,000 | 6,841 |
| Average equity | $2,877,000 | 6,749 |
| Average total loans | $19,198,500 | 6,402 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 2,870 |
| Cost of funding earning assets | 0.8059% | 2,621 |
| Net interest margin | 3.8269% | 3,117 |
| Noninterest income to average assets | 0.5527% | 3,560 |
| Noninterest expense to average assets | 2.5265% | 5,005 |
| Loan and lease loss provision to assets | 0.4255% | 1,494 |
| Net operating income to assets | 0.9957% | 2,353 |
| Return on assets (ROA) | 0.9957% | 2,575 |
| Pretax return on assets | 0.9957% | 3,562 |
| Return on Equity (ROE) | 8.9476% | 2,667 |
| Retained earnings to average equity (ytd only) | 8.9476% | 842 |
| Net charge-offs to loans | 0.2257% | 3,586 |
| Credit loss provision to net charge-offs | 242.5000% | 1,022 |
| Earnings coverage of net charge-offs (x) | 8.1000% | 2,473 |
| Efficiency ratio | 64.0000% | 4,888 |
| Assets per employee ($millions) | 4.7876% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 5,019 |
| Loan loss allowance to noncurrent loans | 327.0270% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 5,529 |
| Noncurrent loans to loans | 0.3732% | 5,560 |
| Net loans and leases to total assets | 81.8155% | 338 |
| Net loans and leases to deposits | 103.4820% | 280 |
| Net loans and leases to core deposits | 105.0979% | 731 |
| Total domestic deposits to total assets | 79.0626% | 5,874 |
| Equity capital to assets | 11.8264% | 2,161 |
| Core capital (leverage) ratio | 8.4604% | 5,680 |
| Tier 1 risk-based capital ratio | 10.1449% | 6,664 |
| Total risk-based capital ratio | 11.3966% | 6,629 |
| Memoranda: | ||
| Average total assets | $22,798,200 | 6,912 |
| Average earning assets | $20,225,400 | 6,902 |
| Average equity | $2,537,000 | 6,872 |
| Average total loans | $17,724,000 | 6,523 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5546% | 3,408 |
| Cost of funding earning assets | 0.8281% | 2,721 |
| Net interest margin | 3.7265% | 3,672 |
| Noninterest income to average assets | 0.5626% | 3,527 |
| Noninterest expense to average assets | 2.5762% | 4,821 |
| Loan and lease loss provision to assets | 0.3968% | 1,616 |
| Net operating income to assets | 0.8943% | 3,008 |
| Return on assets (ROA) | 0.8943% | 3,240 |
| Pretax return on assets | 0.8943% | 4,129 |
| Return on Equity (ROE) | 8.1725% | 3,199 |
| Retained earnings to average equity (ytd only) | 8.1725% | 1,544 |
| Net charge-offs to loans | 0.2636% | 3,141 |
| Credit loss provision to net charge-offs | 197.0588% | 1,409 |
| Earnings coverage of net charge-offs (x) | 6.4121% | 2,793 |
| Efficiency ratio | 66.6156% | 4,327 |
| Assets per employee ($millions) | 4.3310% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 5,067 |
| Loan loss allowance to noncurrent loans | 444.8980% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 5,701 |
| Noncurrent loans to loans | 0.2798% | 5,931 |
| Net loans and leases to total assets | 79.8707% | 515 |
| Net loans and leases to deposits | 109.3300% | 169 |
| Net loans and leases to core deposits | 111.3787% | 525 |
| Total domestic deposits to total assets | 73.0547% | 6,672 |
| Equity capital to assets | 11.7987% | 2,438 |
| Core capital (leverage) ratio | 7.5935% | 6,569 |
| Tier 1 risk-based capital ratio | 9.7981% | 6,842 |
| Total risk-based capital ratio | 11.0509% | 6,828 |
| Memoranda: | ||
| Average total assets | $22,513,250 | 7,005 |
| Average earning assets | $19,964,750 | 6,994 |
| Average equity | $2,463,500 | 6,976 |
| Average total loans | $17,198,250 | 6,630 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 4,429 |
| Cost of funding earning assets | 0.8377% | 2,885 |
| Net interest margin | 3.4987% | 4,674 |
| Noninterest income to average assets | 0.5351% | 3,686 |
| Noninterest expense to average assets | 2.5001% | 5,135 |
| Loan and lease loss provision to assets | 0.4649% | 1,373 |
| Net operating income to assets | 0.6842% | 3,955 |
| Return on assets (ROA) | 0.6842% | 4,212 |
| Pretax return on assets | 0.6842% | 4,868 |
| Return on Equity (ROE) | 6.4118% | 4,092 |
| Retained earnings to average equity (ytd only) | 6.4118% | 2,435 |
| Net charge-offs to loans | 0.4212% | 2,349 |
| Credit loss provision to net charge-offs | 147.2222% | 1,879 |
| Earnings coverage of net charge-offs (x) | 3.6389% | 3,314 |
| Efficiency ratio | 68.5096% | 4,038 |
| Assets per employee ($millions) | 4.3178% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 5,585 |
| Loan loss allowance to noncurrent loans | 396.0784% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 5,765 |
| Noncurrent loans to loans | 0.2893% | 5,990 |
| Net loans and leases to total assets | 80.7263% | 430 |
| Net loans and leases to deposits | 106.8612% | 208 |
| Net loans and leases to core deposits | 108.8026% | 627 |
| Total domestic deposits to total assets | 75.5431% | 6,525 |
| Equity capital to assets | 11.4966% | 2,601 |
| Core capital (leverage) ratio | 7.0070% | 6,817 |
| Tier 1 risk-based capital ratio | 9.3705% | 6,943 |
| Total risk-based capital ratio | 10.6207% | 6,942 |
| Memoranda: | ||
| Average total assets | $22,799,330 | 7,062 |
| Average earning assets | $20,293,330 | 7,045 |
| Average equity | $2,433,000 | 7,026 |
| Average total loans | $17,093,000 | 6,688 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 4,892 |
| Cost of funding earning assets | 0.8712% | 2,907 |
| Net interest margin | 3.3882% | 5,165 |
| Noninterest income to average assets | 0.4956% | 3,937 |
| Noninterest expense to average assets | 2.2731% | 5,845 |
| Loan and lease loss provision to assets | 0.9058% | 482 |
| Net operating income to assets | 0.3076% | 5,638 |
| Return on assets (ROA) | 0.3076% | 5,802 |
| Pretax return on assets | 0.3076% | 5,965 |
| Return on Equity (ROE) | 2.9894% | 5,721 |
| Retained earnings to average equity (ytd only) | 2.9894% | 4,759 |
| Net charge-offs to loans | 0.9272% | 1,110 |
| Credit loss provision to net charge-offs | 135.8974% | 1,810 |
| Earnings coverage of net charge-offs (x) | 1.8205% | 3,430 |
| Efficiency ratio | 65.1961% | 4,701 |
| Assets per employee ($millions) | 4.5296% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 5,510 |
| Loan loss allowance to noncurrent loans | 452.2727% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 5,987 |
| Noncurrent loans to loans | 0.2641% | 6,157 |
| Net loans and leases to total assets | 72.6819% | 1,280 |
| Net loans and leases to deposits | 89.0650% | 1,052 |
| Net loans and leases to core deposits | 90.4898% | 1,803 |
| Total domestic deposits to total assets | 81.6054% | 5,425 |
| Equity capital to assets | 10.6720% | 3,298 |
| Core capital (leverage) ratio | 6.5738% | 6,955 |
| Tier 1 risk-based capital ratio | 9.3587% | 6,985 |
| Total risk-based capital ratio | 10.6074% | 6,985 |
| Memoranda: | ||
| Average total assets | $23,404,500 | 7,115 |
| Average earning assets | $20,660,000 | 7,100 |
| Average equity | $2,408,500 | 7,088 |
| Average total loans | $16,824,500 | 6,757 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 4,425 |
| Cost of funding earning assets | 1.1742% | 2,195 |
| Net interest margin | 3.4848% | 5,204 |
| Noninterest income to average assets | 0.5880% | 3,233 |
| Noninterest expense to average assets | 2.4414% | 5,659 |
| Loan and lease loss provision to assets | 0.6115% | 1,688 |
| Net operating income to assets | 0.5645% | 4,172 |
| Return on assets (ROA) | 0.5645% | 4,357 |
| Pretax return on assets | 0.5645% | 4,796 |
| Return on Equity (ROE) | 5.1256% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.1256% | 2,551 |
| Net charge-offs to loans | 0.4921% | 3,023 |
| Credit loss provision to net charge-offs | 178.0822% | 1,475 |
| Earnings coverage of net charge-offs (x) | 3.4247% | 3,526 |
| Efficiency ratio | 67.4902% | 4,467 |
| Assets per employee ($millions) | 4.8322% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 5,852 |
| Loan loss allowance to noncurrent loans | 179.6117% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5794% | 5,527 |
| Noncurrent loans to loans | 0.6063% | 5,502 |
| Net loans and leases to total assets | 69.5501% | 2,125 |
| Net loans and leases to deposits | 89.3450% | 1,216 |
| Net loans and leases to core deposits | 90.7490% | 2,017 |
| Total domestic deposits to total assets | 77.8445% | 6,225 |
| Equity capital to assets | 9.9334% | 4,249 |
| Core capital (leverage) ratio | 6.5781% | 6,965 |
| Tier 1 risk-based capital ratio | 8.6996% | 7,064 |
| Total risk-based capital ratio | 9.8323% | 7,075 |
| Memoranda: | ||
| Average total assets | $21,258,000 | 7,176 |
| Average earning assets | $18,480,400 | 7,177 |
| Average equity | $2,341,200 | 7,156 |
| Average total loans | $14,834,600 | 6,910 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6976% | 4,478 |
| Cost of funding earning assets | 1.2682% | 1,879 |
| Net interest margin | 3.4294% | 5,468 |
| Noninterest income to average assets | 0.5974% | 3,176 |
| Noninterest expense to average assets | 2.6364% | 4,950 |
| Loan and lease loss provision to assets | 0.2338% | 3,680 |
| Net operating income to assets | 0.6948% | 3,649 |
| Return on assets (ROA) | 0.6948% | 3,821 |
| Pretax return on assets | 0.6948% | 4,501 |
| Return on Equity (ROE) | 6.1320% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.1320% | 2,473 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9526% | 3,189 |
| Assets per employee ($millions) | 4.4198% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 5,888 |
| Loan loss allowance to noncurrent loans | 129.1339% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5747% | 5,682 |
| Noncurrent loans to loans | 0.8522% | 5,164 |
| Net loans and leases to total assets | 66.6908% | 2,744 |
| Net loans and leases to deposits | 89.3591% | 1,281 |
| Net loans and leases to core deposits | 90.9641% | 2,125 |
| Total domestic deposits to total assets | 74.6323% | 6,685 |
| Equity capital to assets | 10.8376% | 3,306 |
| Core capital (leverage) ratio | 6.8217% | 7,001 |
| Tier 1 risk-based capital ratio | 9.7588% | 7,016 |
| Total risk-based capital ratio | 10.8955% | 7,030 |
| Memoranda: | ||
| Average total assets | $20,532,250 | 7,271 |
| Average earning assets | $17,767,500 | 7,264 |
| Average equity | $2,326,500 | 7,228 |
| Average total loans | $14,296,000 | 7,006 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 5,381 |
| Cost of funding earning assets | 1.3492% | 1,654 |
| Net interest margin | 3.1441% | 6,292 |
| Noninterest income to average assets | 0.5997% | 3,147 |
| Noninterest expense to average assets | 2.7786% | 4,512 |
| Loan and lease loss provision to assets | 0.2399% | 3,515 |
| Net operating income to assets | 0.2599% | 5,518 |
| Return on assets (ROA) | 0.2599% | 5,643 |
| Pretax return on assets | 0.2599% | 5,776 |
| Return on Equity (ROE) | 2.2573% | 5,698 |
| Retained earnings to average equity (ytd only) | 2.2573% | 4,853 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7561% | 1,732 |
| Assets per employee ($millions) | 4.1560% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 6,059 |
| Loan loss allowance to noncurrent loans | 144.7619% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5053% | 5,898 |
| Noncurrent loans to loans | 0.7401% | 5,436 |
| Net loans and leases to total assets | 67.5457% | 2,701 |
| Net loans and leases to deposits | 84.0680% | 2,098 |
| Net loans and leases to core deposits | 85.5593% | 2,986 |
| Total domestic deposits to total assets | 80.3465% | 5,729 |
| Equity capital to assets | 11.1453% | 2,820 |
| Core capital (leverage) ratio | 6.9518% | 7,014 |
| Tier 1 risk-based capital ratio | 9.9865% | 6,978 |
| Total risk-based capital ratio | 11.1253% | 7,014 |
| Memoranda: | ||
| Average total assets | $20,010,000 | 7,353 |
| Average earning assets | $17,047,670 | 7,350 |
| Average equity | $2,303,670 | 7,291 |
| Average total loans | $14,094,000 | 7,084 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4566% | 5,495 |
| Cost of funding earning assets | 1.3468% | 1,905 |
| Net interest margin | 3.1098% | 6,326 |
| Noninterest income to average assets | 0.6522% | 2,830 |
| Noninterest expense to average assets | 2.4662% | 5,687 |
| Loan and lease loss provision to assets | 0.2446% | 3,220 |
| Net operating income to assets | 0.5299% | 4,352 |
| Return on assets (ROA) | 0.5299% | 4,436 |
| Pretax return on assets | 0.5299% | 4,926 |
| Return on Equity (ROE) | 4.5267% | 4,637 |
| Retained earnings to average equity (ytd only) | 4.5267% | 3,455 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1006% | 3,150 |
| Assets per employee ($millions) | 3.9608% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 6,590 |
| Loan loss allowance to noncurrent loans | 106.8702% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6615% | 5,640 |
| Noncurrent loans to loans | 0.8789% | 5,291 |
| Net loans and leases to total assets | 74.5556% | 1,257 |
| Net loans and leases to deposits | 93.8235% | 850 |
| Net loans and leases to core deposits | 95.5911% | 1,705 |
| Total domestic deposits to total assets | 79.4637% | 6,066 |
| Equity capital to assets | 11.6643% | 2,146 |
| Core capital (leverage) ratio | 7.0800% | 6,969 |
| Tier 1 risk-based capital ratio | 10.1460% | 6,950 |
| Total risk-based capital ratio | 11.2165% | 7,016 |
| Memoranda: | ||
| Average total assets | $19,625,000 | 7,418 |
| Average earning assets | $16,335,500 | 7,425 |
| Average equity | $2,297,500 | 7,339 |
| Average total loans | $14,047,000 | 7,138 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 5,540 |
| Cost of funding earning assets | 1.3812% | 3,381 |
| Net interest margin | 3.3871% | 5,680 |
| Noninterest income to average assets | 0.8452% | 2,082 |
| Noninterest expense to average assets | 3.1501% | 3,272 |
| Loan and lease loss provision to assets | 0.1773% | 5,450 |
| Net operating income to assets | 0.4019% | 4,527 |
| Return on assets (ROA) | 0.4019% | 4,667 |
| Pretax return on assets | 0.4019% | 4,938 |
| Return on Equity (ROE) | 3.0371% | 4,940 |
| Retained earnings to average equity (ytd only) | 3.0371% | 3,724 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4691% | 1,868 |
| Assets per employee ($millions) | 3.8892% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 6,487 |
| Loan loss allowance to noncurrent loans | 125.4902% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.5245% | 5,984 |
| Noncurrent loans to loans | 0.7734% | 5,497 |
| Net loans and leases to total assets | 67.1655% | 3,173 |
| Net loans and leases to deposits | 84.8117% | 2,321 |
| Net loans and leases to core deposits | 86.4452% | 3,260 |
| Total domestic deposits to total assets | 79.1937% | 6,034 |
| Equity capital to assets | 11.7505% | 2,084 |
| Core capital (leverage) ratio | 7.3316% | 6,827 |
| Tier 1 risk-based capital ratio | 10.7290% | 6,545 |
| Total risk-based capital ratio | 11.7846% | 6,655 |
| Memoranda: | ||
| Average total assets | $16,920,000 | 7,536 |
| Average earning assets | $14,407,400 | 7,539 |
| Average equity | $2,239,000 | 7,459 |
| Average total loans | $11,541,200 | 7,328 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6370% | 6,234 |
| Cost of funding earning assets | 1.3827% | 3,689 |
| Net interest margin | 3.2543% | 6,155 |
| Noninterest income to average assets | 0.8841% | 1,856 |
| Noninterest expense to average assets | 3.2988% | 2,579 |
| Loan and lease loss provision to assets | 0.2456% | 4,631 |
| Net operating income to assets | 0.1719% | 5,584 |
| Return on assets (ROA) | 0.1719% | 5,745 |
| Pretax return on assets | 0.1719% | 5,791 |
| Return on Equity (ROE) | 1.2570% | 5,832 |
| Retained earnings to average equity (ytd only) | 1.2570% | 5,308 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7665% | 1,383 |
| Assets per employee ($millions) | 3.4578% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 6,053 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5553% | 6,040 |
| Noncurrent loans to loans | 0.8050% | 5,607 |
| Net loans and leases to total assets | 68.2341% | 3,154 |
| Net loans and leases to deposits | 88.7259% | 1,900 |
| Net loans and leases to core deposits | 90.7113% | 2,995 |
| Total domestic deposits to total assets | 76.9044% | 6,498 |
| Equity capital to assets | 12.9620% | 1,595 |
| Core capital (leverage) ratio | 7.8847% | 6,484 |
| Tier 1 risk-based capital ratio | 11.0876% | 6,299 |
| Total risk-based capital ratio | 12.2184% | 6,388 |
| Memoranda: | ||
| Average total assets | $16,288,500 | 7,641 |
| Average earning assets | $14,175,500 | 7,640 |
| Average equity | $2,227,500 | 7,562 |
| Average total loans | $11,129,250 | 7,439 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4506% | 6,803 |
| Cost of funding earning assets | 1.3917% | 3,928 |
| Net interest margin | 3.0589% | 6,705 |
| Noninterest income to average assets | 0.8900% | 1,725 |
| Noninterest expense to average assets | 3.3344% | 2,446 |
| Loan and lease loss provision to assets | 0.2507% | 4,416 |
| Net operating income to assets | -0.0501% | 6,151 |
| Return on assets (ROA) | -0.0501% | 6,239 |
| Pretax return on assets | -0.0501% | 6,200 |
| Return on Equity (ROE) | -0.3599% | 6,225 |
| Retained earnings to average equity (ytd only) | -0.3599% | 5,807 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3262% | 1,049 |
| Assets per employee ($millions) | 3.2014% | 5,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 5,801 |
| Loan loss allowance to noncurrent loans | 116.8317% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.6310% | 5,910 |
| Noncurrent loans to loans | 0.9667% | 5,372 |
| Net loans and leases to total assets | 64.5343% | 4,154 |
| Net loans and leases to deposits | 84.2165% | 2,834 |
| Net loans and leases to core deposits | 84.2165% | 4,114 |
| Total domestic deposits to total assets | 76.6290% | 6,578 |
| Equity capital to assets | 13.8439% | 1,224 |
| Core capital (leverage) ratio | 8.0967% | 6,122 |
| Tier 1 risk-based capital ratio | 12.0691% | 5,251 |
| Total risk-based capital ratio | 13.2279% | 5,296 |
| Memoranda: | ||
| Average total assets | $15,955,000 | 7,713 |
| Average earning assets | $13,796,000 | 7,711 |
| Average equity | $2,223,000 | 7,621 |
| Average total loans | $10,864,000 | 7,509 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2607% | 7,191 |
| Cost of funding earning assets | 1.3818% | 4,295 |
| Net interest margin | 2.8788% | 7,054 |
| Noninterest income to average assets | 0.9793% | 1,364 |
| Noninterest expense to average assets | 2.6869% | 4,969 |
| Loan and lease loss provision to assets | 0.5022% | 2,485 |
| Net operating income to assets | 0.3013% | 5,296 |
| Return on assets (ROA) | 0.3013% | 5,425 |
| Pretax return on assets | 0.3013% | 5,596 |
| Return on Equity (ROE) | 2.1558% | 5,698 |
| Retained earnings to average equity (ytd only) | 2.1558% | 4,840 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9784% | 3,063 |
| Assets per employee ($millions) | 3.1422% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 5,903 |
| Loan loss allowance to noncurrent loans | 115.6863% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 5,897 |
| Noncurrent loans to loans | 0.9700% | 5,395 |
| Net loans and leases to total assets | 66.1829% | 3,809 |
| Net loans and leases to deposits | 84.9302% | 2,780 |
| Net loans and leases to core deposits | 84.9302% | 4,068 |
| Total domestic deposits to total assets | 77.9263% | 6,333 |
| Equity capital to assets | 14.2066% | 1,093 |
| Core capital (leverage) ratio | 8.4059% | 5,549 |
| Tier 1 risk-based capital ratio | 13.0572% | 4,296 |
| Total risk-based capital ratio | 14.2947% | 4,275 |
| Memoranda: | ||
| Average total assets | $15,929,000 | 7,811 |
| Average earning assets | $13,894,500 | 7,808 |
| Average equity | $2,226,500 | 7,705 |
| Average total loans | $11,072,000 | 7,590 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2000% | 5,654 |
| Cost of funding earning assets | 1.4288% | 5,813 |
| Net interest margin | 3.7713% | 3,833 |
| Noninterest income to average assets | 0.4980% | 4,428 |
| Noninterest expense to average assets | 3.1283% | 3,619 |
| Loan and lease loss provision to assets | 0.5611% | 3,567 |
| Net operating income to assets | -0.0070% | 5,497 |
| Return on assets (ROA) | -0.0070% | 5,547 |
| Pretax return on assets | -0.0070% | 5,455 |
| Return on Equity (ROE) | -0.0449% | 5,546 |
| Retained earnings to average equity (ytd only) | -0.0449% | 4,943 |
| Net charge-offs to loans | 1.0208% | 2,367 |
| Credit loss provision to net charge-offs | 84.2105% | 6,182 |
| Earnings coverage of net charge-offs (x) | 0.8316% | 5,274 |
| Efficiency ratio | 84.9524% | 2,237 |
| Assets per employee ($millions) | 3.2294% | 5,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 7,005 |
| Loan loss allowance to noncurrent loans | 148.4848% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 6,436 |
| Noncurrent loans to loans | 0.5676% | 6,106 |
| Net loans and leases to total assets | 71.4065% | 2,910 |
| Net loans and leases to deposits | 93.8390% | 1,610 |
| Net loans and leases to core deposits | 102.9005% | 3,700 |
| Total domestic deposits to total assets | 76.0946% | 6,660 |
| Equity capital to assets | 13.7549% | 1,233 |
| Core capital (leverage) ratio | 8.4118% | 5,414 |
| Tier 1 risk-based capital ratio | 11.4336% | 5,471 |
| Total risk-based capital ratio | 12.3424% | 5,789 |
| Memoranda: | ||
| Average total assets | $14,257,000 | 7,914 |
| Average earning assets | $12,038,400 | 7,913 |
| Average equity | $2,228,600 | 7,796 |
| Average total loans | $9,306,600 | 7,728 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0325% | 6,505 |
| Cost of funding earning assets | 1.4577% | 6,013 |
| Net interest margin | 3.5748% | 4,574 |
| Noninterest income to average assets | 0.3096% | 6,009 |
| Noninterest expense to average assets | 3.0178% | 3,973 |
| Loan and lease loss provision to assets | 0.2902% | 4,655 |
| Net operating income to assets | -0.0096% | 5,723 |
| Return on assets (ROA) | -0.0096% | 5,787 |
| Pretax return on assets | -0.0096% | 5,723 |
| Return on Equity (ROE) | -0.0596% | 5,784 |
| Retained earnings to average equity (ytd only) | -0.0596% | 5,222 |
| Net charge-offs to loans | 0.1223% | 5,477 |
| Credit loss provision to net charge-offs | 375.0000% | 1,073 |
| Earnings coverage of net charge-offs (x) | 3.6242% | 3,449 |
| Efficiency ratio | 91.4956% | 1,579 |
| Assets per employee ($millions) | 2.8986% | 6,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 3,502 |
| Loan loss allowance to noncurrent loans | 109.7561% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.8487% | 5,397 |
| Noncurrent loans to loans | 1.3566% | 4,659 |
| Net loans and leases to total assets | 61.6298% | 5,305 |
| Net loans and leases to deposits | 73.5568% | 5,435 |
| Net loans and leases to core deposits | 80.0143% | 6,348 |
| Total domestic deposits to total assets | 83.7853% | 3,825 |
| Equity capital to assets | 15.3384% | 922 |
| Core capital (leverage) ratio | 9.7140% | 3,623 |
| Tier 1 risk-based capital ratio | 13.3833% | 3,938 |
| Total risk-based capital ratio | 14.6315% | 3,879 |
| Memoranda: | ||
| Average total assets | $13,784,500 | 8,002 |
| Average earning assets | $11,525,000 | 8,003 |
| Average equity | $2,230,500 | 7,874 |
| Average total loans | $8,726,250 | 7,832 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0753% | 6,530 |
| Cost of funding earning assets | 1.4650% | 6,275 |
| Net interest margin | 3.6103% | 4,322 |
| Noninterest income to average assets | 0.2510% | 6,491 |
| Noninterest expense to average assets | 2.8638% | 4,669 |
| Loan and lease loss provision to assets | 0.4429% | 3,333 |
| Net operating income to assets | 0.0000% | 5,832 |
| Return on assets (ROA) | 0.0000% | 5,913 |
| Pretax return on assets | 0.0000% | 5,869 |
| Return on Equity (ROE) | 0.0000% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.1858% | 4,407 |
| Credit loss provision to net charge-offs | 375.0000% | 1,239 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 3,322 |
| Efficiency ratio | 86.6071% | 2,168 |
| Assets per employee ($millions) | 2.6032% | 7,048 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4778% | 3,314 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.2446% | 4,443 |
| Noncurrent loans to loans | 1.7734% | 3,844 |
| Net loans and leases to total assets | 69.1457% | 3,912 |
| Net loans and leases to deposits | 84.3645% | 3,814 |
| Net loans and leases to core deposits | 88.0282% | 5,720 |
| Total domestic deposits to total assets | 81.9607% | 4,707 |
| Equity capital to assets | 17.0636% | 655 |
| Core capital (leverage) ratio | 10.0187% | 3,280 |
| Tier 1 risk-based capital ratio | 14.1207% | 3,445 |
| Total risk-based capital ratio | 15.3785% | 3,382 |
| Memoranda: | ||
| Average total assets | $13,548,330 | 8,096 |
| Average earning assets | $11,467,330 | 8,092 |
| Average equity | $2,233,000 | 7,951 |
| Average total loans | $8,612,670 | 7,922 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9576% | 7,042 |
| Cost of funding earning assets | 1.4460% | 6,591 |
| Net interest margin | 3.5116% | 4,682 |
| Noninterest income to average assets | 0.2027% | 6,842 |
| Noninterest expense to average assets | 2.1427% | 7,026 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0134% | 2,254 |
| Return on assets (ROA) | 1.0134% | 2,394 |
| Pretax return on assets | 1.0134% | 3,297 |
| Return on Equity (ROE) | 6.2528% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.2528% | 2,525 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8899% | 4,986 |
| Assets per employee ($millions) | 2.7270% | 6,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 3,325 |
| Loan loss allowance to noncurrent loans | 109.7087% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 5,269 |
| Noncurrent loans to loans | 1.3069% | 4,362 |
| Net loans and leases to total assets | 56.9710% | 6,101 |
| Net loans and leases to deposits | 69.0305% | 6,073 |
| Net loans and leases to core deposits | 71.8594% | 6,919 |
| Total domestic deposits to total assets | 82.5303% | 4,364 |
| Equity capital to assets | 16.5530% | 786 |
| Core capital (leverage) ratio | 9.9961% | 3,418 |
| Tier 1 risk-based capital ratio | 15.9028% | 2,723 |
| Total risk-based capital ratio | 17.1550% | 2,664 |
| Memoranda: | ||
| Average total assets | $13,814,500 | 8,147 |
| Average earning assets | $11,618,500 | 8,138 |
| Average equity | $2,239,000 | 7,998 |
| Average total loans | $8,351,500 | 7,984 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9007% | 8,111 |
| Cost of funding earning assets | 1.1438% | 7,979 |
| Net interest margin | 2.7569% | 7,403 |
| Noninterest income to average assets | 0.1348% | 7,431 |
| Noninterest expense to average assets | 1.8950% | 7,621 |
| Loan and lease loss provision to assets | 0.2611% | 4,315 |
| Net operating income to assets | 0.3537% | 5,338 |
| Return on assets (ROA) | 0.3537% | 5,143 |
| Pretax return on assets | 0.3537% | 5,382 |
| Return on Equity (ROE) | 2.4033% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.4033% | 3,705 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5034% | 3,327 |
| Assets per employee ($millions) | 2.7988% | 6,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 3,929 |
| Loan loss allowance to noncurrent loans | 353.1250% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 6,658 |
| Noncurrent loans to loans | 0.3627% | 6,278 |
| Net loans and leases to total assets | 62.2338% | 5,587 |
| Net loans and leases to deposits | 75.4745% | 5,655 |
| Net loans and leases to core deposits | 78.4736% | 6,722 |
| Total domestic deposits to total assets | 82.4568% | 4,015 |
| Equity capital to assets | 15.8711% | 966 |
| Core capital (leverage) ratio | 10.3200% | 3,156 |
| Tier 1 risk-based capital ratio | 12.6706% | 4,309 |
| Total risk-based capital ratio | 13.8299% | 4,292 |
| Memoranda: | ||
| Average total assets | $11,873,200 | 8,218 |
| Average earning assets | $10,229,000 | 8,211 |
| Average equity | $1,747,600 | 8,170 |
| Average total loans | $7,370,600 | 8,064 |