Home > Rowley Savings Bank > Performance and Condition Ratios
Rowley Savings Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2741% | 4,848 |
| Cost of funding earning assets | 0.0708% | 4,689 |
| Net interest margin | 1.2033% | 4,840 |
| Noninterest income to average assets | 0.3020% | 3,625 |
| Noninterest expense to average assets | 2.0612% | 3,483 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.5814% | 4,838 |
| Return on assets (ROA) | -0.5814% | 4,843 |
| Pretax return on assets | -0.6040% | 4,842 |
| Return on Equity (ROE) | -7.2811% | 4,868 |
| Retained earnings to average equity (ytd only) | -7.4703% | 4,823 |
| 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 | 141.4508% | 42 |
| Assets per employee ($millions) | 8.1725% | 1,190 |
| Cash dividends to net income (ytd only)* | -2.5974% | 4,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8181% | 41 |
| 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 | 17.7669% | 4,815 |
| Net loans and leases to deposits | 19.4351% | 4,822 |
| Net loans and leases to core deposits | 19.4351% | 4,822 |
| Total domestic deposits to total assets | 91.4163% | 253 |
| Equity capital to assets | 8.3818% | 4,287 |
| Core capital (leverage) ratio | 7.8623% | 4,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.8063% | 107 |
| Memoranda: | ||
| Average total assets | $17,659,000 | 4,889 |
| Average earning assets | $16,953,250 | 4,872 |
| Average equity | $1,410,000 | 4,903 |
| Average total loans | $3,096,250 | 4,875 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2656% | 4,887 |
| Cost of funding earning assets | 0.0690% | 4,750 |
| Net interest margin | 1.1965% | 4,880 |
| Noninterest income to average assets | 0.3426% | 3,395 |
| Noninterest expense to average assets | 2.0114% | 3,663 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.4973% | 4,867 |
| Return on assets (ROA) | -0.4973% | 4,870 |
| Pretax return on assets | -0.5194% | 4,869 |
| Return on Equity (ROE) | -6.3232% | 4,889 |
| Retained earnings to average equity (ytd only) | -6.6042% | 4,818 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.8148% | 48 |
| Assets per employee ($millions) | 9.0415% | 845 |
| Cash dividends to net income (ytd only)* | -4.4444% | 4,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6637% | 45 |
| Loan loss allowance to noncurrent loans | 1,130.7692% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 3,730 |
| Noncurrent loans to loans | 0.4124% | 2,442 |
| Net loans and leases to total assets | 16.6178% | 4,857 |
| Net loans and leases to deposits | 18.0632% | 4,864 |
| Net loans and leases to core deposits | 18.0632% | 4,866 |
| Total domestic deposits to total assets | 91.9980% | 123 |
| Equity capital to assets | 7.7476% | 4,655 |
| Core capital (leverage) ratio | 7.5513% | 4,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.1406% | 112 |
| Memoranda: | ||
| Average total assets | $18,097,000 | 4,923 |
| Average earning assets | $17,383,667 | 4,904 |
| Average equity | $1,423,333 | 4,939 |
| Average total loans | $3,111,333 | 4,916 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3336% | 4,916 |
| Cost of funding earning assets | 0.0690% | 4,797 |
| Net interest margin | 1.2647% | 4,903 |
| Noninterest income to average assets | 0.2209% | 4,058 |
| Noninterest expense to average assets | 2.0327% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.5745% | 4,899 |
| Return on assets (ROA) | -0.5745% | 4,899 |
| Pretax return on assets | -0.5966% | 4,897 |
| Return on Equity (ROE) | -7.2499% | 4,918 |
| Retained earnings to average equity (ytd only) | -7.8076% | 4,773 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.5385% | 35 |
| Assets per employee ($millions) | 9.3900% | 722 |
| Cash dividends to net income (ytd only)* | -7.6923% | 4,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7055% | 47 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 15.8520% | 4,888 |
| Net loans and leases to deposits | 17.1962% | 4,895 |
| Net loans and leases to core deposits | 17.1962% | 4,897 |
| Total domestic deposits to total assets | 92.1832% | 111 |
| Equity capital to assets | 7.5666% | 4,686 |
| Core capital (leverage) ratio | 7.7820% | 4,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,104,000 | 4,949 |
| Average earning assets | $17,396,000 | 4,932 |
| Average equity | $1,434,500 | 4,966 |
| Average total loans | $3,091,000 | 4,942 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4530% | 4,853 |
| Cost of funding earning assets | 0.0956% | 4,871 |
| Net interest margin | 2.3574% | 4,685 |
| Noninterest income to average assets | 0.2985% | 3,695 |
| Noninterest expense to average assets | 2.3151% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2193% | 4,548 |
| Return on assets (ROA) | 0.2193% | 4,610 |
| Pretax return on assets | 0.2376% | 4,621 |
| Return on Equity (ROE) | 2.4817% | 4,484 |
| Retained earnings to average equity (ytd only) | 0.7583% | 4,302 |
| Net charge-offs to loans | -0.0287% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6921% | 352 |
| Assets per employee ($millions) | 8.7140% | 823 |
| Cash dividends to net income (ytd only)* | 69.4444% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8071% | 45 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 16.7030% | 4,903 |
| Net loans and leases to deposits | 18.2611% | 4,916 |
| Net loans and leases to core deposits | 18.2611% | 4,917 |
| Total domestic deposits to total assets | 91.4678% | 137 |
| Equity capital to assets | 8.3085% | 4,567 |
| Core capital (leverage) ratio | 8.2240% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,414,200 | 4,978 |
| Average earning assets | $15,695,000 | 4,961 |
| Average equity | $1,450,600 | 4,987 |
| Average total loans | $3,485,800 | 4,962 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6941% | 4,862 |
| Cost of funding earning assets | 0.0950% | 4,926 |
| Net interest margin | 2.5992% | 4,571 |
| Noninterest income to average assets | 0.3135% | 3,611 |
| Noninterest expense to average assets | 2.4503% | 2,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3218% | 4,407 |
| Return on assets (ROA) | 0.3218% | 4,461 |
| Pretax return on assets | 0.3465% | 4,496 |
| Return on Equity (ROE) | 3.5830% | 4,274 |
| Retained earnings to average equity (ytd only) | 1.3781% | 4,124 |
| Net charge-offs to loans | -0.0371% | 4,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6106% | 432 |
| Assets per employee ($millions) | 8.1555% | 947 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3008% | 54 |
| Loan loss allowance to noncurrent loans | 1,470.0000% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 4,134 |
| Noncurrent loans to loans | 0.2926% | 3,228 |
| Net loans and leases to total assets | 20.0540% | 4,926 |
| Net loans and leases to deposits | 22.0834% | 4,941 |
| Net loans and leases to core deposits | 22.0834% | 4,944 |
| Total domestic deposits to total assets | 90.8099% | 210 |
| Equity capital to assets | 8.9020% | 4,184 |
| Core capital (leverage) ratio | 8.8981% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,160,750 | 5,010 |
| Average earning assets | $15,440,500 | 4,993 |
| Average equity | $1,451,250 | 5,019 |
| Average total loans | $3,592,750 | 4,995 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9297% | 4,870 |
| Cost of funding earning assets | 0.1037% | 4,966 |
| Net interest margin | 2.8260% | 4,410 |
| Noninterest income to average assets | 0.3104% | 3,605 |
| Noninterest expense to average assets | 2.4580% | 3,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5338% | 3,922 |
| Return on assets (ROA) | 0.5338% | 4,002 |
| Pretax return on assets | 0.5586% | 4,140 |
| Return on Equity (ROE) | 5.9269% | 3,538 |
| Retained earnings to average equity (ytd only) | 2.8946% | 3,432 |
| Net charge-offs to loans | -0.0548% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4815% | 792 |
| Assets per employee ($millions) | 5.4350% | 2,703 |
| Cash dividends to net income (ytd only)* | 51.1628% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0496% | 60 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 21.3615% | 4,949 |
| Net loans and leases to deposits | 23.5370% | 4,969 |
| Net loans and leases to core deposits | 23.5370% | 4,968 |
| Total domestic deposits to total assets | 90.7574% | 211 |
| Equity capital to assets | 8.9420% | 4,137 |
| Core capital (leverage) ratio | 8.8713% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,110,667 | 5,041 |
| Average earning assets | $15,428,000 | 5,027 |
| Average equity | $1,451,000 | 5,051 |
| Average total loans | $3,651,000 | 5,027 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1693% | 4,884 |
| Cost of funding earning assets | 0.1048% | 5,038 |
| Net interest margin | 3.0645% | 4,172 |
| Noninterest income to average assets | 0.3747% | 3,267 |
| Noninterest expense to average assets | 2.5229% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7494% | 3,095 |
| Return on assets (ROA) | 0.7494% | 3,172 |
| Pretax return on assets | 0.7743% | 3,479 |
| Return on Equity (ROE) | 8.2902% | 2,391 |
| Retained earnings to average equity (ytd only) | 5.8031% | 1,955 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5152% | 1,510 |
| Assets per employee ($millions) | 5.2817% | 2,347 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8411% | 87 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 23.0672% | 4,985 |
| Net loans and leases to deposits | 25.4899% | 5,006 |
| Net loans and leases to core deposits | 25.4899% | 5,007 |
| Total domestic deposits to total assets | 90.4954% | 195 |
| Equity capital to assets | 9.2016% | 4,464 |
| Core capital (leverage) ratio | 9.2092% | 4,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,013,500 | 5,089 |
| Average earning assets | $15,271,500 | 5,074 |
| Average equity | $1,447,500 | 5,100 |
| Average total loans | $3,661,500 | 5,074 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5277% | 4,838 |
| Cost of funding earning assets | 0.1071% | 5,096 |
| Net interest margin | 3.4206% | 3,680 |
| Noninterest income to average assets | 0.3388% | 3,682 |
| Noninterest expense to average assets | 2.5956% | 3,186 |
| Loan and lease loss provision to assets | 0.0064% | 3,876 |
| Net operating income to assets | 0.9526% | 3,007 |
| Return on assets (ROA) | 0.9526% | 3,088 |
| Pretax return on assets | 1.0037% | 3,456 |
| Return on Equity (ROE) | 10.7333% | 1,989 |
| Retained earnings to average equity (ytd only) | 6.7714% | 1,492 |
| Net charge-offs to loans | -0.1560% | 5,025 |
| Credit loss provision to net charge-offs | -16.6667% | 4,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9858% | 1,872 |
| Assets per employee ($millions) | 5.3940% | 2,157 |
| Cash dividends to net income (ytd only)* | 36.9128% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1454% | 56 |
| Loan loss allowance to noncurrent loans | 14,600.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 4,647 |
| Noncurrent loans to loans | 0.0284% | 4,452 |
| Net loans and leases to total assets | 20.8627% | 5,064 |
| Net loans and leases to deposits | 22.9582% | 5,085 |
| Net loans and leases to core deposits | 22.9582% | 5,088 |
| Total domestic deposits to total assets | 90.8726% | 133 |
| Equity capital to assets | 8.8802% | 4,749 |
| Core capital (leverage) ratio | 9.1348% | 4,418 |
| Tier 1 risk-based capital ratio | 44.6412% | 181 |
| Total risk-based capital ratio | 45.9149% | 179 |
| Memoranda: | ||
| Average total assets | $15,641,800 | 5,150 |
| Average earning assets | $14,938,800 | 5,135 |
| Average equity | $1,388,200 | 5,163 |
| Average total loans | $3,846,800 | 5,134 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5666% | 4,911 |
| Cost of funding earning assets | 0.1081% | 5,172 |
| Net interest margin | 3.4585% | 3,707 |
| Noninterest income to average assets | 0.3353% | 3,731 |
| Noninterest expense to average assets | 2.5967% | 3,173 |
| Loan and lease loss provision to assets | 0.0086% | 3,717 |
| Net operating income to assets | 0.9802% | 3,052 |
| Return on assets (ROA) | 0.9802% | 3,129 |
| Pretax return on assets | 1.0318% | 3,496 |
| Return on Equity (ROE) | 11.0465% | 2,005 |
| Retained earnings to average equity (ytd only) | 7.0734% | 1,831 |
| Net charge-offs to loans | -0.2375% | 5,132 |
| Credit loss provision to net charge-offs | -14.2857% | 3,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3948% | 1,911 |
| Assets per employee ($millions) | 5.1287% | 2,418 |
| Cash dividends to net income (ytd only)* | 35.9671% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9580% | 64 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 23.1834% | 5,134 |
| Net loans and leases to deposits | 25.6250% | 5,154 |
| Net loans and leases to core deposits | 25.6250% | 5,153 |
| Total domestic deposits to total assets | 90.4719% | 176 |
| Equity capital to assets | 9.2032% | 4,664 |
| Core capital (leverage) ratio | 9.2212% | 4,461 |
| Tier 1 risk-based capital ratio | 43.0134% | 198 |
| Total risk-based capital ratio | 44.2892% | 193 |
| Memoranda: | ||
| Average total assets | $15,506,750 | 5,228 |
| Average earning assets | $14,803,750 | 5,214 |
| Average equity | $1,376,000 | 5,242 |
| Average total loans | $3,928,000 | 5,212 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5005% | 5,008 |
| Cost of funding earning assets | 0.1081% | 5,215 |
| Net interest margin | 3.3924% | 3,918 |
| Noninterest income to average assets | 0.3087% | 3,862 |
| Noninterest expense to average assets | 2.6372% | 3,091 |
| Loan and lease loss provision to assets | 0.0129% | 3,512 |
| Net operating income to assets | 0.8490% | 3,474 |
| Return on assets (ROA) | 0.8490% | 3,531 |
| Pretax return on assets | 0.8876% | 3,880 |
| Return on Equity (ROE) | 9.6869% | 2,542 |
| Retained earnings to average equity (ytd only) | 5.7241% | 2,405 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5455% | 1,577 |
| Assets per employee ($millions) | 5.1467% | 2,309 |
| Cash dividends to net income (ytd only)* | 40.9091% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5256% | 84 |
| Loan loss allowance to noncurrent loans | 318.1818% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 3,417 |
| Noncurrent loans to loans | 1.1080% | 1,474 |
| Net loans and leases to total assets | 24.8122% | 5,169 |
| Net loans and leases to deposits | 27.3526% | 5,194 |
| Net loans and leases to core deposits | 27.3526% | 5,196 |
| Total domestic deposits to total assets | 90.7124% | 150 |
| Equity capital to assets | 8.9573% | 4,818 |
| Core capital (leverage) ratio | 9.1023% | 4,547 |
| Tier 1 risk-based capital ratio | 39.3233% | 244 |
| Total risk-based capital ratio | 40.6028% | 242 |
| Memoranda: | ||
| Average total assets | $15,547,000 | 5,275 |
| Average earning assets | $14,798,000 | 5,260 |
| Average equity | $1,362,670 | 5,288 |
| Average total loans | $3,999,330 | 5,260 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3550% | 5,149 |
| Cost of funding earning assets | 0.1074% | 5,268 |
| Net interest margin | 3.2477% | 4,285 |
| Noninterest income to average assets | 0.3077% | 3,814 |
| Noninterest expense to average assets | 2.7948% | 2,585 |
| Loan and lease loss provision to assets | 0.0256% | 3,095 |
| Net operating income to assets | 0.5641% | 4,350 |
| Return on assets (ROA) | 0.5641% | 4,382 |
| Pretax return on assets | 0.5897% | 4,536 |
| Return on Equity (ROE) | 6.5065% | 3,841 |
| Retained earnings to average equity (ytd only) | 5.6192% | 2,626 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9549% | 880 |
| Assets per employee ($millions) | 5.1403% | 2,350 |
| Cash dividends to net income (ytd only)* | 13.6364% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5434% | 81 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,850 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 24.7131% | 5,222 |
| Net loans and leases to deposits | 27.1962% | 5,244 |
| Net loans and leases to core deposits | 27.1962% | 5,250 |
| Total domestic deposits to total assets | 90.8696% | 198 |
| Equity capital to assets | 8.8321% | 4,802 |
| Core capital (leverage) ratio | 8.6835% | 4,885 |
| Tier 1 risk-based capital ratio | 40.2245% | 234 |
| Total risk-based capital ratio | 41.4944% | 230 |
| Memoranda: | ||
| Average total assets | $15,600,500 | 5,330 |
| Average earning assets | $14,903,000 | 5,316 |
| Average equity | $1,352,500 | 5,346 |
| Average total loans | $4,013,500 | 5,320 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1054% | 5,188 |
| Cost of funding earning assets | 0.1084% | 5,267 |
| Net interest margin | 2.9970% | 4,799 |
| Noninterest income to average assets | 0.3240% | 3,931 |
| Noninterest expense to average assets | 2.5124% | 3,579 |
| Loan and lease loss provision to assets | 0.0428% | 3,331 |
| Net operating income to assets | 0.6113% | 4,382 |
| Return on assets (ROA) | 0.6113% | 4,389 |
| Pretax return on assets | 0.6419% | 4,553 |
| Return on Equity (ROE) | 7.7196% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.2529% | 2,059 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5851% | 1,074 |
| Assets per employee ($millions) | 5.2600% | 2,196 |
| Cash dividends to net income (ytd only)* | 19.0000% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4102% | 87 |
| Loan loss allowance to noncurrent loans | 6,950.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 4,696 |
| Noncurrent loans to loans | 0.0491% | 4,521 |
| Net loans and leases to total assets | 24.9493% | 5,268 |
| Net loans and leases to deposits | 27.3517% | 5,287 |
| Net loans and leases to core deposits | 27.3517% | 5,291 |
| Total domestic deposits to total assets | 91.2167% | 163 |
| Equity capital to assets | 8.5108% | 4,929 |
| Core capital (leverage) ratio | 8.2161% | 5,162 |
| Tier 1 risk-based capital ratio | 38.1643% | 256 |
| Total risk-based capital ratio | 39.4430% | 254 |
| Memoranda: | ||
| Average total assets | $16,358,800 | 5,371 |
| Average earning assets | $15,682,600 | 5,356 |
| Average equity | $1,295,400 | 5,390 |
| Average total loans | $4,174,400 | 5,365 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9478% | 5,307 |
| Cost of funding earning assets | 0.1095% | 5,329 |
| Net interest margin | 2.8383% | 5,046 |
| Noninterest income to average assets | 0.3070% | 4,095 |
| Noninterest expense to average assets | 2.4317% | 3,780 |
| Loan and lease loss provision to assets | 0.0404% | 3,196 |
| Net operating income to assets | 0.5332% | 4,692 |
| Return on assets (ROA) | 0.5332% | 4,693 |
| Pretax return on assets | 0.5575% | 4,806 |
| Return on Equity (ROE) | 6.8563% | 3,983 |
| Retained earnings to average equity (ytd only) | 5.0900% | 3,188 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2667% | 921 |
| Assets per employee ($millions) | 5.2257% | 2,200 |
| Cash dividends to net income (ytd only)* | 25.7614% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3683% | 95 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 3,415 |
| Noncurrent loans to loans | 1.1228% | 1,516 |
| Net loans and leases to total assets | 25.2536% | 5,334 |
| Net loans and leases to deposits | 27.6524% | 5,363 |
| Net loans and leases to core deposits | 27.6524% | 5,369 |
| Total domestic deposits to total assets | 91.3249% | 163 |
| Equity capital to assets | 8.3689% | 4,997 |
| Core capital (leverage) ratio | 8.1193% | 5,289 |
| Tier 1 risk-based capital ratio | 35.5267% | 314 |
| Total risk-based capital ratio | 36.7994% | 310 |
| Memoranda: | ||
| Average total assets | $16,503,500 | 5,440 |
| Average earning assets | $15,830,750 | 5,426 |
| Average equity | $1,283,500 | 5,461 |
| Average total loans | $4,199,000 | 5,434 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8157% | 5,398 |
| Cost of funding earning assets | 0.1121% | 5,372 |
| Net interest margin | 2.7035% | 5,217 |
| Noninterest income to average assets | 0.2980% | 4,187 |
| Noninterest expense to average assets | 2.4674% | 3,724 |
| Loan and lease loss provision to assets | 0.0477% | 2,956 |
| Net operating income to assets | 0.3695% | 5,019 |
| Return on assets (ROA) | 0.3695% | 5,020 |
| Pretax return on assets | 0.3695% | 5,083 |
| Return on Equity (ROE) | 4.8666% | 4,589 |
| Retained earnings to average equity (ytd only) | 3.6107% | 3,790 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5372% | 593 |
| Assets per employee ($millions) | 5.4433% | 1,951 |
| Cash dividends to net income (ytd only)* | 25.8065% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3672% | 93 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 4,842 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 23.9008% | 5,414 |
| Net loans and leases to deposits | 26.0443% | 5,430 |
| Net loans and leases to core deposits | 26.0443% | 5,433 |
| Total domestic deposits to total assets | 91.7697% | 106 |
| Equity capital to assets | 7.8628% | 5,272 |
| Core capital (leverage) ratio | 7.7771% | 5,402 |
| Tier 1 risk-based capital ratio | 34.8156% | 334 |
| Total risk-based capital ratio | 36.0900% | 331 |
| Memoranda: | ||
| Average total assets | $16,779,000 | 5,502 |
| Average earning assets | $16,053,000 | 5,487 |
| Average equity | $1,274,000 | 5,525 |
| Average total loans | $4,233,000 | 5,496 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6301% | 5,500 |
| Cost of funding earning assets | 0.0974% | 5,471 |
| Net interest margin | 2.5327% | 5,370 |
| Noninterest income to average assets | 0.2823% | 4,286 |
| Noninterest expense to average assets | 2.3525% | 4,060 |
| Loan and lease loss provision to assets | 0.0470% | 2,822 |
| Net operating income to assets | 0.3293% | 5,053 |
| Return on assets (ROA) | 0.3293% | 5,058 |
| Pretax return on assets | 0.3293% | 5,130 |
| Return on Equity (ROE) | 4.4129% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.4129% | 3,427 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2069% | 631 |
| Assets per employee ($millions) | 4.2065% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1316% | 135 |
| Loan loss allowance to noncurrent loans | 788.2353% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 4,375 |
| Noncurrent loans to loans | 0.3973% | 3,361 |
| Net loans and leases to total assets | 24.6345% | 5,456 |
| Net loans and leases to deposits | 26.7402% | 5,483 |
| Net loans and leases to core deposits | 26.7402% | 5,487 |
| Total domestic deposits to total assets | 92.1253% | 95 |
| Equity capital to assets | 7.5835% | 5,393 |
| Core capital (leverage) ratio | 7.6371% | 5,481 |
| Tier 1 risk-based capital ratio | 33.3246% | 361 |
| Total risk-based capital ratio | 34.5782% | 356 |
| Memoranda: | ||
| Average total assets | $17,003,500 | 5,566 |
| Average earning assets | $16,425,000 | 5,548 |
| Average equity | $1,269,000 | 5,587 |
| Average total loans | $4,330,000 | 5,560 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6511% | 5,513 |
| Cost of funding earning assets | 0.1051% | 5,479 |
| Net interest margin | 2.5460% | 5,383 |
| Noninterest income to average assets | 0.3127% | 4,224 |
| Noninterest expense to average assets | 2.3069% | 4,312 |
| Loan and lease loss provision to assets | -0.1357% | 5,525 |
| Net operating income to assets | 0.5310% | 4,289 |
| Return on assets (ROA) | 0.5310% | 4,321 |
| Pretax return on assets | 0.5723% | 4,801 |
| Return on Equity (ROE) | 7.1931% | 3,180 |
| Retained earnings to average equity (ytd only) | 2.2379% | 3,979 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0860% | 760 |
| Assets per employee ($millions) | 4.2953% | 3,491 |
| Cash dividends to net income (ytd only)* | 68.8889% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0130% | 137 |
| Loan loss allowance to noncurrent loans | 280.8511% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 3,572 |
| Noncurrent loans to loans | 1.0728% | 1,660 |
| Net loans and leases to total assets | 24.7308% | 5,522 |
| Net loans and leases to deposits | 26.7637% | 5,548 |
| Net loans and leases to core deposits | 26.7637% | 5,557 |
| Total domestic deposits to total assets | 92.4044% | 55 |
| Equity capital to assets | 7.3453% | 5,559 |
| Core capital (leverage) ratio | 7.4661% | 5,567 |
| Tier 1 risk-based capital ratio | 31.0074% | 418 |
| Total risk-based capital ratio | 32.2604% | 411 |
| Memoranda: | ||
| Average total assets | $16,949,000 | 5,628 |
| Average earning assets | $16,182,200 | 5,615 |
| Average equity | $1,251,200 | 5,655 |
| Average total loans | $4,669,800 | 5,621 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6601% | 5,574 |
| Cost of funding earning assets | 0.1077% | 5,529 |
| Net interest margin | 2.5523% | 5,437 |
| Noninterest income to average assets | 0.3237% | 4,225 |
| Noninterest expense to average assets | 2.4076% | 3,998 |
| Loan and lease loss provision to assets | -0.1973% | 5,653 |
| Net operating income to assets | 0.5052% | 4,713 |
| Return on assets (ROA) | 0.5052% | 4,745 |
| Pretax return on assets | 0.5447% | 4,939 |
| Return on Equity (ROE) | 6.8346% | 3,759 |
| Retained earnings to average equity (ytd only) | 1.6019% | 4,785 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3926% | 546 |
| Assets per employee ($millions) | 4.1983% | 3,649 |
| Cash dividends to net income (ytd only)* | 76.5616% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7066% | 205 |
| Loan loss allowance to noncurrent loans | 1,083.3333% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 4,593 |
| Noncurrent loans to loans | 0.2498% | 4,061 |
| Net loans and leases to total assets | 27.8271% | 5,536 |
| Net loans and leases to deposits | 30.1679% | 5,584 |
| Net loans and leases to core deposits | 30.1679% | 5,596 |
| Total domestic deposits to total assets | 92.2408% | 50 |
| Equity capital to assets | 7.4436% | 5,623 |
| Core capital (leverage) ratio | 7.5401% | 5,615 |
| Tier 1 risk-based capital ratio | 29.8543% | 480 |
| Total risk-based capital ratio | 31.1201% | 476 |
| Memoranda: | ||
| Average total assets | $16,891,000 | 5,693 |
| Average earning assets | $16,089,500 | 5,680 |
| Average equity | $1,248,500 | 5,723 |
| Average total loans | $4,742,000 | 5,685 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6478% | 5,612 |
| Cost of funding earning assets | 0.1114% | 5,553 |
| Net interest margin | 2.5364% | 5,478 |
| Noninterest income to average assets | 0.3073% | 4,339 |
| Noninterest expense to average assets | 2.3399% | 4,242 |
| Loan and lease loss provision to assets | -0.3073% | 5,733 |
| Net operating income to assets | 0.6382% | 4,135 |
| Return on assets (ROA) | 0.6382% | 4,183 |
| Pretax return on assets | 0.6972% | 4,556 |
| Return on Equity (ROE) | 8.6538% | 2,694 |
| Retained earnings to average equity (ytd only) | 2.8846% | 3,992 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7143% | 716 |
| Assets per employee ($millions) | 4.2250% | 3,572 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7061% | 220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 4,944 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 27.2308% | 5,583 |
| Net loans and leases to deposits | 29.5170% | 5,636 |
| Net loans and leases to core deposits | 29.5170% | 5,650 |
| Total domestic deposits to total assets | 92.2544% | 55 |
| Equity capital to assets | 7.4142% | 5,666 |
| Core capital (leverage) ratio | 7.4530% | 5,665 |
| Tier 1 risk-based capital ratio | 29.3168% | 497 |
| Total risk-based capital ratio | 30.5803% | 489 |
| Memoranda: | ||
| Average total assets | $16,923,670 | 5,741 |
| Average earning assets | $16,164,330 | 5,729 |
| Average equity | $1,248,000 | 5,772 |
| Average total loans | $4,721,670 | 5,733 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6629% | 5,663 |
| Cost of funding earning assets | 0.1233% | 5,539 |
| Net interest margin | 2.5396% | 5,514 |
| Noninterest income to average assets | 0.3307% | 4,185 |
| Noninterest expense to average assets | 2.3383% | 4,296 |
| Loan and lease loss provision to assets | -0.6613% | 5,842 |
| Net operating income to assets | 1.0392% | 2,118 |
| Return on assets (ROA) | 1.0392% | 2,168 |
| Pretax return on assets | 1.0865% | 3,038 |
| Return on Equity (ROE) | 14.1309% | 777 |
| Retained earnings to average equity (ytd only) | 7.0654% | 1,821 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 917 |
| Assets per employee ($millions) | 4.2533% | 3,585 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7247% | 246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 4,970 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 26.6502% | 5,659 |
| Net loans and leases to deposits | 28.8551% | 5,694 |
| Net loans and leases to core deposits | 28.8551% | 5,706 |
| Total domestic deposits to total assets | 92.3588% | 73 |
| Equity capital to assets | 7.3885% | 5,701 |
| Core capital (leverage) ratio | 7.1816% | 5,750 |
| Tier 1 risk-based capital ratio | 28.9565% | 514 |
| Total risk-based capital ratio | 30.2235% | 506 |
| Memoranda: | ||
| Average total assets | $16,935,500 | 5,812 |
| Average earning assets | $16,223,000 | 5,795 |
| Average equity | $1,245,500 | 5,838 |
| Average total loans | $4,717,500 | 5,804 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6098% | 5,724 |
| Cost of funding earning assets | 0.1118% | 5,650 |
| Net interest margin | 2.4980% | 5,590 |
| Noninterest income to average assets | 0.3218% | 4,438 |
| Noninterest expense to average assets | 2.3661% | 4,380 |
| Loan and lease loss provision to assets | -0.1371% | 5,733 |
| Net operating income to assets | 0.4708% | 4,742 |
| Return on assets (ROA) | 0.4708% | 4,817 |
| Pretax return on assets | 0.4887% | 5,046 |
| Return on Equity (ROE) | 6.5419% | 3,719 |
| Retained earnings to average equity (ytd only) | 3.3952% | 3,507 |
| Net charge-offs to loans | -1.0868% | 5,861 |
| Credit loss provision to net charge-offs | 41.8182% | 3,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0614% | 749 |
| Assets per employee ($millions) | 4.2145% | 3,597 |
| Cash dividends to net income (ytd only)* | 48.1013% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2468% | 136 |
| Loan loss allowance to noncurrent loans | 186.7470% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.5754% | 3,004 |
| Noncurrent loans to loans | 1.7386% | 1,104 |
| Net loans and leases to total assets | 27.3995% | 5,697 |
| Net loans and leases to deposits | 29.6299% | 5,740 |
| Net loans and leases to core deposits | 29.6299% | 5,755 |
| Total domestic deposits to total assets | 92.4724% | 68 |
| Equity capital to assets | 7.3200% | 5,752 |
| Core capital (leverage) ratio | 7.2392% | 5,784 |
| Tier 1 risk-based capital ratio | 28.1864% | 556 |
| Total risk-based capital ratio | 29.4427% | 549 |
| Memoranda: | ||
| Average total assets | $16,779,000 | 5,869 |
| Average earning assets | $16,093,000 | 5,849 |
| Average equity | $1,207,600 | 5,901 |
| Average total loans | $5,060,600 | 5,856 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6315% | 5,789 |
| Cost of funding earning assets | 0.1076% | 5,736 |
| Net interest margin | 2.5240% | 5,641 |
| Noninterest income to average assets | 0.3103% | 4,547 |
| Noninterest expense to average assets | 2.3867% | 4,318 |
| Loan and lease loss provision to assets | 0.0398% | 3,445 |
| Net operating income to assets | 0.2864% | 5,308 |
| Return on assets (ROA) | 0.2864% | 5,395 |
| Pretax return on assets | 0.3103% | 5,449 |
| Return on Equity (ROE) | 3.9967% | 4,900 |
| Retained earnings to average equity (ytd only) | 1.5545% | 4,889 |
| Net charge-offs to loans | -1.4288% | 5,928 |
| Credit loss provision to net charge-offs | -9.0909% | 4,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2093% | 724 |
| Assets per employee ($millions) | 4.1128% | 3,762 |
| Cash dividends to net income (ytd only)* | 61.1042% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7157% | 96 |
| Loan loss allowance to noncurrent loans | 220.4819% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5957% | 3,126 |
| Noncurrent loans to loans | 1.6853% | 1,250 |
| Net loans and leases to total assets | 28.8250% | 5,735 |
| Net loans and leases to deposits | 31.1933% | 5,800 |
| Net loans and leases to core deposits | 31.1933% | 5,815 |
| Total domestic deposits to total assets | 92.4078% | 54 |
| Equity capital to assets | 7.3369% | 5,859 |
| Core capital (leverage) ratio | 7.1539% | 5,864 |
| Tier 1 risk-based capital ratio | 28.3200% | 564 |
| Total risk-based capital ratio | 29.5870% | 548 |
| Memoranda: | ||
| Average total assets | $16,759,250 | 5,935 |
| Average earning assets | $16,112,000 | 5,914 |
| Average equity | $1,201,000 | 5,966 |
| Average total loans | $5,132,250 | 5,921 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5349% | 5,892 |
| Cost of funding earning assets | 0.1107% | 5,805 |
| Net interest margin | 2.4242% | 5,790 |
| Noninterest income to average assets | 0.3084% | 4,575 |
| Noninterest expense to average assets | 2.2773% | 4,668 |
| Loan and lease loss provision to assets | 0.0474% | 3,200 |
| Net operating income to assets | 0.2965% | 5,336 |
| Return on assets (ROA) | 0.2965% | 5,423 |
| Pretax return on assets | 0.3202% | 5,470 |
| Return on Equity (ROE) | 4.1701% | 4,849 |
| Retained earnings to average equity (ytd only) | 2.3353% | 4,392 |
| Net charge-offs to loans | -2.0379% | 6,008 |
| Credit loss provision to net charge-offs | -7.5472% | 4,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0987% | 872 |
| Assets per employee ($millions) | 4.2138% | 3,536 |
| Cash dividends to net income (ytd only)* | 44.0000% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4949% | 123 |
| Loan loss allowance to noncurrent loans | 141.4063% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.8543% | 2,450 |
| Noncurrent loans to loans | 2.4715% | 717 |
| Net loans and leases to total assets | 29.6529% | 5,787 |
| Net loans and leases to deposits | 32.0570% | 5,851 |
| Net loans and leases to core deposits | 32.0570% | 5,869 |
| Total domestic deposits to total assets | 92.5007% | 51 |
| Equity capital to assets | 7.1551% | 5,954 |
| Core capital (leverage) ratio | 7.0866% | 5,941 |
| Tier 1 risk-based capital ratio | 26.9980% | 653 |
| Total risk-based capital ratio | 28.2740% | 629 |
| Memoranda: | ||
| Average total assets | $16,862,000 | 6,007 |
| Average earning assets | $16,253,000 | 5,985 |
| Average equity | $1,199,000 | 6,043 |
| Average total loans | $5,201,330 | 5,996 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5534% | 5,951 |
| Cost of funding earning assets | 0.0982% | 5,925 |
| Net interest margin | 2.4552% | 5,840 |
| Noninterest income to average assets | 0.2846% | 4,685 |
| Noninterest expense to average assets | 2.3717% | 4,449 |
| Loan and lease loss provision to assets | 0.0474% | 2,971 |
| Net operating income to assets | 0.2135% | 5,502 |
| Return on assets (ROA) | 0.2135% | 5,566 |
| Pretax return on assets | 0.2372% | 5,594 |
| Return on Equity (ROE) | 3.0113% | 5,232 |
| Retained earnings to average equity (ytd only) | 1.6729% | 4,606 |
| Net charge-offs to loans | -4.1439% | 6,076 |
| Credit loss provision to net charge-offs | -3.7037% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2857% | 720 |
| Assets per employee ($millions) | 4.1778% | 3,624 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5729% | 122 |
| Loan loss allowance to noncurrent loans | 232.4675% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 3,358 |
| Noncurrent loans to loans | 1.5369% | 1,517 |
| Net loans and leases to total assets | 28.9091% | 5,850 |
| Net loans and leases to deposits | 31.2403% | 5,912 |
| Net loans and leases to core deposits | 31.2403% | 5,929 |
| Total domestic deposits to total assets | 92.5378% | 61 |
| Equity capital to assets | 7.1689% | 5,992 |
| Core capital (leverage) ratio | 7.1365% | 5,980 |
| Tier 1 risk-based capital ratio | 27.8023% | 624 |
| Total risk-based capital ratio | 29.0787% | 607 |
| Memoranda: | ||
| Average total assets | $16,865,500 | 6,069 |
| Average earning assets | $16,292,000 | 6,050 |
| Average equity | $1,195,500 | 6,106 |
| Average total loans | $5,212,500 | 6,057 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5313% | 5,986 |
| Cost of funding earning assets | 0.1131% | 5,911 |
| Net interest margin | 2.4183% | 5,882 |
| Noninterest income to average assets | 0.3563% | 4,355 |
| Noninterest expense to average assets | 2.3431% | 4,670 |
| Loan and lease loss provision to assets | 0.0423% | 3,489 |
| Net operating income to assets | 0.2838% | 5,402 |
| Return on assets (ROA) | 0.2778% | 5,496 |
| Pretax return on assets | 0.2899% | 5,539 |
| Return on Equity (ROE) | 3.8675% | 5,001 |
| Retained earnings to average equity (ytd only) | -0.5045% | 5,596 |
| Net charge-offs to loans | 0.0377% | 3,471 |
| Credit loss provision to net charge-offs | 350.0000% | 853 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,527 |
| Efficiency ratio | 87.3874% | 880 |
| Assets per employee ($millions) | 4.2550% | 3,479 |
| Cash dividends to net income (ytd only)* | 113.0435% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2899% | 523 |
| Loan loss allowance to noncurrent loans | 496.0000% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 4,557 |
| Noncurrent loans to loans | 0.4617% | 3,817 |
| Net loans and leases to total assets | 31.0870% | 5,860 |
| Net loans and leases to deposits | 33.5234% | 5,940 |
| Net loans and leases to core deposits | 33.5234% | 5,969 |
| Total domestic deposits to total assets | 92.7321% | 54 |
| Equity capital to assets | 7.0094% | 6,056 |
| Core capital (leverage) ratio | 6.8563% | 6,063 |
| Tier 1 risk-based capital ratio | 24.2677% | 889 |
| Total risk-based capital ratio | 25.5289% | 870 |
| Memoranda: | ||
| Average total assets | $16,559,400 | 6,135 |
| Average earning assets | $15,920,600 | 6,112 |
| Average equity | $1,189,400 | 6,166 |
| Average total loans | $5,298,600 | 6,110 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5241% | 6,081 |
| Cost of funding earning assets | 0.1182% | 5,985 |
| Net interest margin | 2.4059% | 5,973 |
| Noninterest income to average assets | 0.3811% | 4,207 |
| Noninterest expense to average assets | 2.4324% | 4,410 |
| Loan and lease loss provision to assets | 0.0406% | 3,399 |
| Net operating income to assets | 0.2027% | 5,676 |
| Return on assets (ROA) | 0.2027% | 5,733 |
| Pretax return on assets | 0.2189% | 5,763 |
| Return on Equity (ROE) | 2.8044% | 5,456 |
| Retained earnings to average equity (ytd only) | -2.9171% | 5,926 |
| Net charge-offs to loans | 0.0252% | 3,435 |
| Credit loss provision to net charge-offs | 500.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 32.0827% | 1,433 |
| Efficiency ratio | 90.3614% | 676 |
| Assets per employee ($millions) | 4.0933% | 3,716 |
| Cash dividends to net income (ytd only)* | 204.0204% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4187% | 488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 5,264 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 30.0617% | 5,971 |
| Net loans and leases to deposits | 32.5056% | 6,043 |
| Net loans and leases to core deposits | 32.5056% | 6,065 |
| Total domestic deposits to total assets | 92.4815% | 65 |
| Equity capital to assets | 7.1642% | 6,125 |
| Core capital (leverage) ratio | 7.1160% | 6,113 |
| Tier 1 risk-based capital ratio | 18.2910% | 1,961 |
| Total risk-based capital ratio | 19.5384% | 1,921 |
| Memoranda: | ||
| Average total assets | $16,444,250 | 6,220 |
| Average earning assets | $15,794,250 | 6,197 |
| Average equity | $1,188,500 | 6,253 |
| Average total loans | $5,269,500 | 6,195 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5015% | 6,164 |
| Cost of funding earning assets | 0.1137% | 6,074 |
| Net interest margin | 2.3878% | 6,050 |
| Noninterest income to average assets | 0.4008% | 4,077 |
| Noninterest expense to average assets | 2.3682% | 4,662 |
| Loan and lease loss provision to assets | 0.0486% | 3,148 |
| Net operating income to assets | 0.2672% | 5,536 |
| Return on assets (ROA) | 0.2672% | 5,622 |
| Pretax return on assets | 0.2793% | 5,692 |
| Return on Equity (ROE) | 3.6861% | 5,144 |
| Retained earnings to average equity (ytd only) | -2.6808% | 5,891 |
| Net charge-offs to loans | 0.0748% | 2,325 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 2,128 |
| Efficiency ratio | 87.8378% | 918 |
| Assets per employee ($millions) | 4.1095% | 3,663 |
| Cash dividends to net income (ytd only)* | 172.7273% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3504% | 594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 5,345 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 30.5816% | 6,023 |
| Net loans and leases to deposits | 33.0485% | 6,103 |
| Net loans and leases to core deposits | 33.0485% | 6,123 |
| Total domestic deposits to total assets | 92.5356% | 79 |
| Equity capital to assets | 7.1967% | 6,165 |
| Core capital (leverage) ratio | 7.0872% | 6,172 |
| Tier 1 risk-based capital ratio | 18.1665% | 2,020 |
| Total risk-based capital ratio | 19.4103% | 1,980 |
| Memoranda: | ||
| Average total assets | $16,468,000 | 6,295 |
| Average earning assets | $15,830,330 | 6,272 |
| Average equity | $1,193,670 | 6,328 |
| Average total loans | $5,344,670 | 6,269 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4521% | 6,242 |
| Cost of funding earning assets | 0.1264% | 6,084 |
| Net interest margin | 2.3257% | 6,145 |
| Noninterest income to average assets | 0.3640% | 4,296 |
| Noninterest expense to average assets | 2.3782% | 4,658 |
| Loan and lease loss provision to assets | 0.0485% | 2,959 |
| Net operating income to assets | 0.1699% | 5,744 |
| Return on assets (ROA) | 0.1699% | 5,819 |
| Pretax return on assets | 0.1699% | 5,866 |
| Return on Equity (ROE) | 2.3353% | 5,595 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,366 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5888% | 740 |
| Assets per employee ($millions) | 4.1500% | 3,654 |
| Cash dividends to net income (ytd only)* | 100.0000% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3319% | 679 |
| Loan loss allowance to noncurrent loans | 336.1111% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 4,586 |
| Noncurrent loans to loans | 0.6938% | 3,543 |
| Net loans and leases to total assets | 30.5301% | 6,053 |
| Net loans and leases to deposits | 32.9969% | 6,135 |
| Net loans and leases to core deposits | 32.9969% | 6,163 |
| Total domestic deposits to total assets | 92.5241% | 90 |
| Equity capital to assets | 7.2229% | 6,234 |
| Core capital (leverage) ratio | 7.2680% | 6,206 |
| Tier 1 risk-based capital ratio | 18.3502% | 2,049 |
| Total risk-based capital ratio | 19.6051% | 2,001 |
| Memoranda: | ||
| Average total assets | $16,483,000 | 6,363 |
| Average earning assets | $15,823,000 | 6,340 |
| Average equity | $1,199,000 | 6,395 |
| Average total loans | $5,443,000 | 6,337 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5742% | 6,305 |
| Cost of funding earning assets | 0.1193% | 6,249 |
| Net interest margin | 2.4549% | 6,189 |
| Noninterest income to average assets | 0.4091% | 4,120 |
| Noninterest expense to average assets | 2.3102% | 5,084 |
| Loan and lease loss provision to assets | 0.0421% | 3,733 |
| Net operating income to assets | 0.3850% | 5,272 |
| Return on assets (ROA) | 0.3850% | 5,340 |
| Pretax return on assets | 0.4091% | 5,460 |
| Return on Equity (ROE) | 5.4182% | 4,448 |
| Retained earnings to average equity (ytd only) | 2.0318% | 4,769 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6601% | 1,455 |
| Assets per employee ($millions) | 4.0915% | 3,738 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0888% | 966 |
| Loan loss allowance to noncurrent loans | 476.0000% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 4,812 |
| Noncurrent loans to loans | 0.4388% | 4,330 |
| Net loans and leases to total assets | 34.0829% | 6,030 |
| Net loans and leases to deposits | 36.8720% | 6,141 |
| Net loans and leases to core deposits | 36.8720% | 6,185 |
| Total domestic deposits to total assets | 92.4355% | 104 |
| Equity capital to assets | 7.3262% | 6,277 |
| Core capital (leverage) ratio | 7.3195% | 6,255 |
| Tier 1 risk-based capital ratio | 17.9437% | 2,154 |
| Total risk-based capital ratio | 19.2008% | 2,120 |
| Memoranda: | ||
| Average total assets | $16,621,600 | 6,449 |
| Average earning assets | $15,927,400 | 6,425 |
| Average equity | $1,181,200 | 6,487 |
| Average total loans | $5,353,200 | 6,431 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5500% | 6,395 |
| Cost of funding earning assets | 0.1250% | 6,309 |
| Net interest margin | 2.4250% | 6,280 |
| Noninterest income to average assets | 0.3836% | 4,366 |
| Noninterest expense to average assets | 2.3413% | 4,990 |
| Loan and lease loss provision to assets | 0.0400% | 3,612 |
| Net operating income to assets | 0.3116% | 5,550 |
| Return on assets (ROA) | 0.3116% | 5,624 |
| Pretax return on assets | 0.3276% | 5,722 |
| Return on Equity (ROE) | 4.4190% | 5,000 |
| Retained earnings to average equity (ytd only) | -0.1130% | 5,815 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4307% | 1,142 |
| Assets per employee ($millions) | 4.1440% | 3,576 |
| Cash dividends to net income (ytd only)* | 102.5577% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1776% | 976 |
| Loan loss allowance to noncurrent loans | 468.0000% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 5,018 |
| Noncurrent loans to loans | 0.4653% | 4,511 |
| Net loans and leases to total assets | 31.7085% | 6,194 |
| Net loans and leases to deposits | 34.2098% | 6,287 |
| Net loans and leases to core deposits | 34.2098% | 6,315 |
| Total domestic deposits to total assets | 92.6882% | 103 |
| Equity capital to assets | 7.0825% | 6,369 |
| Core capital (leverage) ratio | 6.9599% | 6,385 |
| Tier 1 risk-based capital ratio | 17.9538% | 2,224 |
| Total risk-based capital ratio | 19.2078% | 2,184 |
| Memoranda: | ||
| Average total assets | $16,685,500 | 6,528 |
| Average earning assets | $15,999,750 | 6,500 |
| Average equity | $1,176,750 | 6,566 |
| Average total loans | $5,267,250 | 6,509 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5342% | 6,467 |
| Cost of funding earning assets | 0.1248% | 6,387 |
| Net interest margin | 2.4094% | 6,349 |
| Noninterest income to average assets | 0.3827% | 4,384 |
| Noninterest expense to average assets | 2.3083% | 5,127 |
| Loan and lease loss provision to assets | 0.0478% | 3,351 |
| Net operating income to assets | 0.3229% | 5,485 |
| Return on assets (ROA) | 0.3229% | 5,562 |
| Pretax return on assets | 0.3349% | 5,714 |
| Return on Equity (ROE) | 4.5853% | 4,873 |
| Retained earnings to average equity (ytd only) | 0.5095% | 5,535 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7778% | 1,291 |
| Assets per employee ($millions) | 4.1578% | 3,535 |
| Cash dividends to net income (ytd only)* | 88.8889% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2433% | 966 |
| Loan loss allowance to noncurrent loans | 414.2857% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 5,050 |
| Noncurrent loans to loans | 0.5415% | 4,387 |
| Net loans and leases to total assets | 30.3950% | 6,293 |
| Net loans and leases to deposits | 32.8098% | 6,369 |
| Net loans and leases to core deposits | 32.8098% | 6,395 |
| Total domestic deposits to total assets | 92.6403% | 106 |
| Equity capital to assets | 7.0832% | 6,432 |
| Core capital (leverage) ratio | 6.8258% | 6,454 |
| Tier 1 risk-based capital ratio | 18.4034% | 2,102 |
| Total risk-based capital ratio | 19.6532% | 2,061 |
| Memoranda: | ||
| Average total assets | $16,722,000 | 6,593 |
| Average earning assets | $16,020,670 | 6,567 |
| Average equity | $1,177,670 | 6,630 |
| Average total loans | $5,232,000 | 6,573 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5423% | 6,537 |
| Cost of funding earning assets | 0.1246% | 6,470 |
| Net interest margin | 2.4177% | 6,406 |
| Noninterest income to average assets | 0.4055% | 4,142 |
| Noninterest expense to average assets | 2.2901% | 5,218 |
| Loan and lease loss provision to assets | 0.0477% | 3,138 |
| Net operating income to assets | 0.3817% | 5,180 |
| Return on assets (ROA) | 0.3817% | 5,253 |
| Pretax return on assets | 0.3817% | 5,508 |
| Return on Equity (ROE) | 5.4352% | 4,311 |
| Retained earnings to average equity (ytd only) | 1.6985% | 4,934 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2105% | 1,647 |
| Assets per employee ($millions) | 4.3803% | 3,183 |
| Cash dividends to net income (ytd only)* | 68.7500% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2038% | 1,154 |
| Loan loss allowance to noncurrent loans | 285.0000% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 4,989 |
| Noncurrent loans to loans | 0.7732% | 3,928 |
| Net loans and leases to total assets | 28.8739% | 6,393 |
| Net loans and leases to deposits | 31.0368% | 6,459 |
| Net loans and leases to core deposits | 31.0368% | 6,478 |
| Total domestic deposits to total assets | 93.0312% | 113 |
| Equity capital to assets | 6.7348% | 6,494 |
| Core capital (leverage) ratio | 6.9107% | 6,489 |
| Tier 1 risk-based capital ratio | 18.1037% | 2,253 |
| Total risk-based capital ratio | 19.3618% | 2,223 |
| Memoranda: | ||
| Average total assets | $16,767,500 | 6,666 |
| Average earning assets | $16,048,500 | 6,638 |
| Average equity | $1,177,500 | 6,696 |
| Average total loans | $5,262,500 | 6,644 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6983% | 6,546 |
| Cost of funding earning assets | 0.1315% | 6,604 |
| Net interest margin | 2.5669% | 6,302 |
| Noninterest income to average assets | 0.5201% | 3,632 |
| Noninterest expense to average assets | 2.4989% | 4,765 |
| Loan and lease loss provision to assets | 0.0418% | 4,276 |
| Net operating income to assets | 0.4125% | 5,103 |
| Return on assets (ROA) | 0.4125% | 5,218 |
| Pretax return on assets | 0.4304% | 5,410 |
| Return on Equity (ROE) | 6.0094% | 4,081 |
| Retained earnings to average equity (ytd only) | 2.7870% | 4,261 |
| Net charge-offs to loans | 0.1096% | 3,734 |
| Credit loss provision to net charge-offs | 116.6667% | 2,064 |
| Earnings coverage of net charge-offs (x) | 13.1667% | 2,054 |
| Efficiency ratio | 84.1046% | 1,617 |
| Assets per employee ($millions) | 4.0035% | 3,857 |
| Cash dividends to net income (ytd only)* | 53.6232% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0927% | 1,347 |
| Loan loss allowance to noncurrent loans | 3,733.3333% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 5,721 |
| Noncurrent loans to loans | 0.0561% | 6,064 |
| Net loans and leases to total assets | 32.7214% | 6,353 |
| Net loans and leases to deposits | 35.4102% | 6,448 |
| Net loans and leases to core deposits | 35.4102% | 6,489 |
| Total domestic deposits to total assets | 92.4066% | 214 |
| Equity capital to assets | 7.3373% | 6,350 |
| Core capital (leverage) ratio | 7.3177% | 6,437 |
| Tier 1 risk-based capital ratio | 18.6567% | 2,029 |
| Total risk-based capital ratio | 19.9111% | 1,991 |
| Memoranda: | ||
| Average total assets | $16,727,400 | 6,746 |
| Average earning assets | $15,972,800 | 6,720 |
| Average equity | $1,148,200 | 6,788 |
| Average total loans | $5,473,800 | 6,723 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6724% | 6,633 |
| Cost of funding earning assets | 0.1320% | 6,694 |
| Net interest margin | 2.5404% | 6,394 |
| Noninterest income to average assets | 0.4574% | 4,101 |
| Noninterest expense to average assets | 2.5001% | 4,722 |
| Loan and lease loss provision to assets | 0.0395% | 4,219 |
| Net operating income to assets | 0.3234% | 5,526 |
| Return on assets (ROA) | 0.3234% | 5,647 |
| Pretax return on assets | 0.3470% | 5,753 |
| Return on Equity (ROE) | 4.7893% | 4,834 |
| Retained earnings to average equity (ytd only) | 0.4669% | 5,782 |
| Net charge-offs to loans | 0.1212% | 3,336 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 9.7946% | 2,436 |
| Efficiency ratio | 86.6120% | 1,304 |
| Assets per employee ($millions) | 4.0403% | 3,756 |
| Cash dividends to net income (ytd only)* | 90.2323% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0352% | 1,641 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 5,072 |
| Noncurrent loans to loans | 0.8141% | 4,206 |
| Net loans and leases to total assets | 32.7641% | 6,416 |
| Net loans and leases to deposits | 35.4039% | 6,531 |
| Net loans and leases to core deposits | 35.4039% | 6,581 |
| Total domestic deposits to total assets | 92.5438% | 177 |
| Equity capital to assets | 7.0911% | 6,524 |
| Core capital (leverage) ratio | 6.5798% | 6,653 |
| Tier 1 risk-based capital ratio | 17.8449% | 2,384 |
| Total risk-based capital ratio | 19.1062% | 2,340 |
| Memoranda: | ||
| Average total assets | $16,905,750 | 6,820 |
| Average earning assets | $16,165,000 | 6,796 |
| Average equity | $1,141,500 | 6,866 |
| Average total loans | $5,504,250 | 6,798 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6271% | 6,696 |
| Cost of funding earning assets | 0.1344% | 6,750 |
| Net interest margin | 2.4927% | 6,460 |
| Noninterest income to average assets | 0.3964% | 4,551 |
| Noninterest expense to average assets | 2.4484% | 4,904 |
| Loan and lease loss provision to assets | 0.0466% | 4,043 |
| Net operating income to assets | 0.2798% | 5,665 |
| Return on assets (ROA) | 0.2798% | 5,803 |
| Pretax return on assets | 0.2798% | 5,925 |
| Return on Equity (ROE) | 4.2105% | 5,130 |
| Retained earnings to average equity (ytd only) | -0.5263% | 5,966 |
| Net charge-offs to loans | 0.2167% | 2,460 |
| Credit loss provision to net charge-offs | 66.6667% | 2,897 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 3,072 |
| Efficiency ratio | 88.2353% | 1,200 |
| Assets per employee ($millions) | 4.4620% | 2,878 |
| Cash dividends to net income (ytd only)* | 112.5000% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 1,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 5,998 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 30.0930% | 6,574 |
| Net loans and leases to deposits | 32.2641% | 6,651 |
| Net loans and leases to core deposits | 32.2641% | 6,680 |
| Total domestic deposits to total assets | 93.2710% | 106 |
| Equity capital to assets | 6.3929% | 6,706 |
| Core capital (leverage) ratio | 6.4463% | 6,705 |
| Tier 1 risk-based capital ratio | 16.7305% | 2,826 |
| Total risk-based capital ratio | 17.9835% | 2,795 |
| Memoranda: | ||
| Average total assets | $17,154,000 | 6,868 |
| Average earning assets | $16,367,670 | 6,839 |
| Average equity | $1,140,000 | 6,914 |
| Average total loans | $5,537,330 | 6,846 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6692% | 6,746 |
| Cost of funding earning assets | 0.1497% | 6,801 |
| Net interest margin | 2.5196% | 6,487 |
| Noninterest income to average assets | 0.4284% | 4,261 |
| Noninterest expense to average assets | 2.5466% | 4,582 |
| Loan and lease loss provision to assets | 0.0476% | 3,821 |
| Net operating income to assets | 0.2380% | 5,768 |
| Return on assets (ROA) | 0.2380% | 5,894 |
| Pretax return on assets | 0.2380% | 5,998 |
| Return on Equity (ROE) | 3.5103% | 5,332 |
| Retained earnings to average equity (ytd only) | -2.4572% | 6,134 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9160% | 1,153 |
| Assets per employee ($millions) | 3.5570% | 4,868 |
| Cash dividends to net income (ytd only)* | 170.0000% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0853% | 1,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 5,045 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 29.5699% | 6,620 |
| Net loans and leases to deposits | 31.6655% | 6,698 |
| Net loans and leases to core deposits | 31.6655% | 6,731 |
| Total domestic deposits to total assets | 93.3821% | 97 |
| Equity capital to assets | 6.3874% | 6,797 |
| Core capital (leverage) ratio | 6.5093% | 6,746 |
| Tier 1 risk-based capital ratio | 16.6765% | 2,916 |
| Total risk-based capital ratio | 17.9243% | 2,884 |
| Memoranda: | ||
| Average total assets | $16,807,000 | 6,945 |
| Average earning assets | $16,034,500 | 6,917 |
| Average equity | $1,139,500 | 6,985 |
| Average total loans | $5,566,500 | 6,918 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0553% | 6,746 |
| Cost of funding earning assets | 0.1862% | 6,864 |
| Net interest margin | 2.8691% | 6,285 |
| Noninterest income to average assets | 0.5907% | 3,331 |
| Noninterest expense to average assets | 2.9010% | 3,636 |
| Loan and lease loss provision to assets | 0.0459% | 5,267 |
| Net operating income to assets | 0.3544% | 5,276 |
| Return on assets (ROA) | 0.3544% | 5,505 |
| Pretax return on assets | 0.3741% | 5,645 |
| Return on Equity (ROE) | 4.8309% | 4,762 |
| Retained earnings to average equity (ytd only) | 2.6838% | 4,349 |
| Net charge-offs to loans | 0.2685% | 3,323 |
| Credit loss provision to net charge-offs | 46.6667% | 4,767 |
| Earnings coverage of net charge-offs (x) | 4.2667% | 3,424 |
| Efficiency ratio | 87.3518% | 1,297 |
| Assets per employee ($millions) | 3.1658% | 5,700 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9091% | 2,271 |
| Loan loss allowance to noncurrent loans | 379.3103% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 6,102 |
| Noncurrent loans to loans | 0.5033% | 5,278 |
| Net loans and leases to total assets | 35.7066% | 6,450 |
| Net loans and leases to deposits | 38.5855% | 6,616 |
| Net loans and leases to core deposits | 38.5855% | 6,653 |
| Total domestic deposits to total assets | 92.5390% | 170 |
| Equity capital to assets | 7.2209% | 6,721 |
| Core capital (leverage) ratio | 6.9201% | 6,728 |
| Tier 1 risk-based capital ratio | 17.0929% | 2,605 |
| Total risk-based capital ratio | 18.3490% | 2,575 |
| Memoranda: | ||
| Average total assets | $15,236,200 | 7,025 |
| Average earning assets | $14,499,400 | 7,001 |
| Average equity | $1,117,800 | 7,055 |
| Average total loans | $5,586,400 | 6,988 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0857% | 6,857 |
| Cost of funding earning assets | 0.2038% | 6,945 |
| Net interest margin | 2.8819% | 6,393 |
| Noninterest income to average assets | 0.6009% | 3,266 |
| Noninterest expense to average assets | 3.1106% | 2,853 |
| Loan and lease loss provision to assets | 0.0442% | 5,217 |
| Net operating income to assets | 0.1856% | 5,951 |
| Return on assets (ROA) | 0.1856% | 6,112 |
| Pretax return on assets | 0.1944% | 6,135 |
| Return on Equity (ROE) | 2.5191% | 5,873 |
| Retained earnings to average equity (ytd only) | -0.3599% | 6,154 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8760% | 839 |
| Assets per employee ($millions) | 3.0772% | 5,905 |
| Cash dividends to net income (ytd only)* | 114.2857% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1893% | 1,728 |
| Loan loss allowance to noncurrent loans | 156.9620% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.5135% | 5,390 |
| Noncurrent loans to loans | 1.3948% | 3,710 |
| Net loans and leases to total assets | 36.0068% | 6,547 |
| Net loans and leases to deposits | 38.9565% | 6,718 |
| Net loans and leases to core deposits | 39.7076% | 6,749 |
| Total domestic deposits to total assets | 92.4282% | 157 |
| Equity capital to assets | 7.2144% | 6,843 |
| Core capital (leverage) ratio | 7.1498% | 6,763 |
| Tier 1 risk-based capital ratio | 17.0980% | 2,691 |
| Total risk-based capital ratio | 18.3611% | 2,635 |
| Memoranda: | ||
| Average total assets | $15,088,000 | 7,120 |
| Average earning assets | $14,388,500 | 7,098 |
| Average equity | $1,111,500 | 7,151 |
| Average total loans | $5,542,500 | 7,083 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1019% | 6,931 |
| Cost of funding earning assets | 0.2096% | 7,012 |
| Net interest margin | 2.8923% | 6,440 |
| Noninterest income to average assets | 0.6405% | 3,004 |
| Noninterest expense to average assets | 3.1224% | 2,843 |
| Loan and lease loss provision to assets | 0.0534% | 4,996 |
| Net operating income to assets | 0.2135% | 5,875 |
| Return on assets (ROA) | 0.2135% | 6,065 |
| Pretax return on assets | 0.2268% | 6,106 |
| Return on Equity (ROE) | 2.8777% | 5,737 |
| Retained earnings to average equity (ytd only) | 0.5396% | 5,847 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7647% | 939 |
| Assets per employee ($millions) | 3.1068% | 5,836 |
| Cash dividends to net income (ytd only)* | 81.2500% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1950% | 1,779 |
| Loan loss allowance to noncurrent loans | 154.4304% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 5,489 |
| Noncurrent loans to loans | 1.4214% | 3,781 |
| Net loans and leases to total assets | 34.9942% | 6,668 |
| Net loans and leases to deposits | 37.8789% | 6,808 |
| Net loans and leases to core deposits | 38.6025% | 6,852 |
| Total domestic deposits to total assets | 92.3844% | 174 |
| Equity capital to assets | 7.1842% | 6,873 |
| Core capital (leverage) ratio | 7.0902% | 6,793 |
| Tier 1 risk-based capital ratio | 17.2462% | 2,567 |
| Total risk-based capital ratio | 18.4979% | 2,527 |
| Memoranda: | ||
| Average total assets | $14,988,670 | 7,184 |
| Average earning assets | $14,313,670 | 7,158 |
| Average equity | $1,112,000 | 7,209 |
| Average total loans | $5,502,000 | 7,142 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1619% | 6,972 |
| Cost of funding earning assets | 0.1994% | 7,106 |
| Net interest margin | 2.9625% | 6,370 |
| Noninterest income to average assets | 0.5708% | 3,417 |
| Noninterest expense to average assets | 3.5064% | 1,754 |
| Loan and lease loss provision to assets | 0.0544% | 4,727 |
| Net operating income to assets | -0.1631% | 6,595 |
| Return on assets (ROA) | -0.1631% | 6,656 |
| Pretax return on assets | -0.1631% | 6,639 |
| Return on Equity (ROE) | -2.1622% | 6,698 |
| Retained earnings to average equity (ytd only) | -2.1622% | 6,299 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2000% | 466 |
| Assets per employee ($millions) | 3.0334% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2485% | 1,782 |
| Loan loss allowance to noncurrent loans | 1,714.2857% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 6,788 |
| Noncurrent loans to loans | 0.1312% | 6,423 |
| Net loans and leases to total assets | 34.3970% | 6,719 |
| Net loans and leases to deposits | 37.2510% | 6,849 |
| Net loans and leases to core deposits | 37.9777% | 6,881 |
| Total domestic deposits to total assets | 92.3386% | 212 |
| Equity capital to assets | 7.2987% | 6,849 |
| Core capital (leverage) ratio | 7.4581% | 6,657 |
| Tier 1 risk-based capital ratio | 18.1208% | 2,248 |
| Total risk-based capital ratio | 19.3812% | 2,216 |
| Memoranda: | ||
| Average total assets | $14,716,000 | 7,251 |
| Average earning assets | $14,042,000 | 7,222 |
| Average equity | $1,110,000 | 7,268 |
| Average total loans | $5,474,000 | 7,201 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4863% | 7,003 |
| Cost of funding earning assets | 0.3058% | 7,098 |
| Net interest margin | 3.1805% | 6,154 |
| Noninterest income to average assets | 0.5793% | 3,302 |
| Noninterest expense to average assets | 3.2658% | 2,632 |
| Loan and lease loss provision to assets | 0.0507% | 5,956 |
| Net operating income to assets | 0.2607% | 5,397 |
| Return on assets (ROA) | 0.2607% | 5,541 |
| Pretax return on assets | 0.2752% | 5,624 |
| Return on Equity (ROE) | 3.2293% | 5,186 |
| Retained earnings to average equity (ytd only) | -1.9734% | 6,155 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9274% | 1,120 |
| Assets per employee ($millions) | 2.8530% | 6,374 |
| Cash dividends to net income (ytd only)* | 161.1111% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1030% | 2,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 38.5068% | 6,631 |
| Net loans and leases to deposits | 41.8833% | 6,800 |
| Net loans and leases to core deposits | 42.7571% | 6,861 |
| Total domestic deposits to total assets | 91.9383% | 247 |
| Equity capital to assets | 7.8023% | 6,687 |
| Core capital (leverage) ratio | 7.5833% | 6,609 |
| Tier 1 risk-based capital ratio | 17.9141% | 2,224 |
| Total risk-based capital ratio | 19.1695% | 2,194 |
| Memoranda: | ||
| Average total assets | $13,809,600 | 7,304 |
| Average earning assets | $13,079,600 | 7,281 |
| Average equity | $1,114,800 | 7,323 |
| Average total loans | $5,783,000 | 7,248 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5274% | 7,069 |
| Cost of funding earning assets | 0.3291% | 7,157 |
| Net interest margin | 3.1984% | 6,164 |
| Noninterest income to average assets | 0.5451% | 3,550 |
| Noninterest expense to average assets | 3.5631% | 1,788 |
| Loan and lease loss provision to assets | 0.0487% | 5,835 |
| Net operating income to assets | -0.0487% | 6,219 |
| Return on assets (ROA) | -0.0487% | 6,317 |
| Pretax return on assets | -0.0390% | 6,267 |
| Return on Equity (ROE) | -0.5981% | 6,331 |
| Retained earnings to average equity (ytd only) | -4.9020% | 6,589 |
| Net charge-offs to loans | -0.4578% | 7,341 |
| Credit loss provision to net charge-offs | -25.0000% | 6,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7275% | 667 |
| Assets per employee ($millions) | 2.7946% | 6,495 |
| Cash dividends to net income (ytd only)* | -719.6402% | 7,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3090% | 1,674 |
| Loan loss allowance to noncurrent loans | 136.0000% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.7157% | 5,367 |
| Noncurrent loans to loans | 1.6978% | 3,762 |
| Net loans and leases to total assets | 41.1794% | 6,545 |
| Net loans and leases to deposits | 45.2643% | 6,776 |
| Net loans and leases to core deposits | 45.2643% | 6,877 |
| Total domestic deposits to total assets | 90.9755% | 438 |
| Equity capital to assets | 7.8294% | 6,789 |
| Core capital (leverage) ratio | 7.7249% | 6,616 |
| Tier 1 risk-based capital ratio | 17.3101% | 2,518 |
| Total risk-based capital ratio | 18.5759% | 2,478 |
| Memoranda: | ||
| Average total assets | $13,695,750 | 7,381 |
| Average earning assets | $12,964,750 | 7,358 |
| Average equity | $1,115,250 | 7,399 |
| Average total loans | $5,826,000 | 7,320 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6544% | 7,054 |
| Cost of funding earning assets | 0.3421% | 7,244 |
| Net interest margin | 3.3123% | 5,821 |
| Noninterest income to average assets | 0.4999% | 3,854 |
| Noninterest expense to average assets | 3.6609% | 1,603 |
| Loan and lease loss provision to assets | 0.0588% | 5,575 |
| Net operating income to assets | -0.0882% | 6,335 |
| Return on assets (ROA) | -0.0882% | 6,391 |
| Pretax return on assets | -0.0882% | 6,353 |
| Return on Equity (ROE) | -1.0692% | 6,411 |
| Retained earnings to average equity (ytd only) | -5.3460% | 6,592 |
| Net charge-offs to loans | -0.6891% | 7,424 |
| Credit loss provision to net charge-offs | -20.0000% | 6,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8097% | 697 |
| Assets per employee ($millions) | 2.7884% | 6,494 |
| Cash dividends to net income (ytd only)* | -400.0000% | 7,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4272% | 1,550 |
| Loan loss allowance to noncurrent loans | 135.0000% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.7173% | 5,471 |
| Noncurrent loans to loans | 1.7979% | 3,757 |
| Net loans and leases to total assets | 38.9255% | 6,808 |
| Net loans and leases to deposits | 42.5180% | 6,970 |
| Net loans and leases to core deposits | 42.5180% | 7,055 |
| Total domestic deposits to total assets | 91.5507% | 329 |
| Equity capital to assets | 7.9257% | 6,731 |
| Core capital (leverage) ratio | 7.7511% | 6,546 |
| Tier 1 risk-based capital ratio | 18.1177% | 2,135 |
| Total risk-based capital ratio | 19.3802% | 2,083 |
| Memoranda: | ||
| Average total assets | $13,603,330 | 7,455 |
| Average earning assets | $12,861,330 | 7,435 |
| Average equity | $1,122,330 | 7,476 |
| Average total loans | $5,804,670 | 7,396 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7259% | 7,041 |
| Cost of funding earning assets | 0.3473% | 7,318 |
| Net interest margin | 3.3786% | 5,512 |
| Noninterest income to average assets | 0.7444% | 2,286 |
| Noninterest expense to average assets | 3.5730% | 1,820 |
| Loan and lease loss provision to assets | 0.0596% | 5,253 |
| Net operating income to assets | 0.2978% | 5,417 |
| Return on assets (ROA) | 0.2978% | 5,487 |
| Pretax return on assets | 0.2978% | 5,658 |
| Return on Equity (ROE) | 3.5367% | 5,130 |
| Retained earnings to average equity (ytd only) | -2.4757% | 6,217 |
| Net charge-offs to loans | -0.7425% | 7,460 |
| Credit loss provision to net charge-offs | -18.1818% | 5,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9091% | 1,248 |
| Assets per employee ($millions) | 2.7644% | 6,595 |
| Cash dividends to net income (ytd only)* | 170.0000% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1535% | 2,072 |
| Loan loss allowance to noncurrent loans | 122.7723% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 5,473 |
| Noncurrent loans to loans | 1.7541% | 3,882 |
| Net loans and leases to total assets | 40.7611% | 6,723 |
| Net loans and leases to deposits | 44.7534% | 6,921 |
| Net loans and leases to core deposits | 44.7534% | 7,017 |
| Total domestic deposits to total assets | 91.0794% | 590 |
| Equity capital to assets | 8.1609% | 6,330 |
| Core capital (leverage) ratio | 8.8903% | 4,787 |
| Tier 1 risk-based capital ratio | 18.0134% | 2,108 |
| Total risk-based capital ratio | 19.2750% | 2,077 |
| Memoranda: | ||
| Average total assets | $13,434,000 | 7,514 |
| Average earning assets | $12,668,000 | 7,495 |
| Average equity | $1,131,000 | 7,528 |
| Average total loans | $5,926,000 | 7,449 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3351% | 6,722 |
| Cost of funding earning assets | 0.4559% | 7,358 |
| Net interest margin | 3.8792% | 3,596 |
| Noninterest income to average assets | 0.8207% | 2,183 |
| Noninterest expense to average assets | 3.7598% | 1,562 |
| Loan and lease loss provision to assets | 0.0547% | 6,596 |
| Net operating income to assets | 0.6331% | 3,517 |
| Return on assets (ROA) | 0.6331% | 3,672 |
| Pretax return on assets | 0.6644% | 4,115 |
| Return on Equity (ROE) | 7.4339% | 2,921 |
| Retained earnings to average equity (ytd only) | 4.8642% | 2,502 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9442% | 1,926 |
| Assets per employee ($millions) | 2.1743% | 7,319 |
| Cash dividends to net income (ytd only)* | 34.5679% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8215% | 2,793 |
| Loan loss allowance to noncurrent loans | 109.9010% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.7742% | 5,468 |
| Noncurrent loans to loans | 1.6574% | 4,019 |
| Net loans and leases to total assets | 45.8608% | 6,566 |
| Net loans and leases to deposits | 50.4384% | 6,832 |
| Net loans and leases to core deposits | 50.4384% | 6,962 |
| Total domestic deposits to total assets | 90.9244% | 634 |
| Equity capital to assets | 8.6923% | 5,597 |
| Core capital (leverage) ratio | 8.5624% | 5,255 |
| Tier 1 risk-based capital ratio | 17.9260% | 2,023 |
| Total risk-based capital ratio | 19.1748% | 1,986 |
| Memoranda: | ||
| Average total assets | $12,793,400 | 7,601 |
| Average earning assets | $12,064,400 | 7,582 |
| Average equity | $1,089,600 | 7,627 |
| Average total loans | $6,255,200 | 7,524 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 6,835 |
| Cost of funding earning assets | 0.4887% | 7,459 |
| Net interest margin | 3.8980% | 3,536 |
| Noninterest income to average assets | 0.7331% | 2,619 |
| Noninterest expense to average assets | 4.0323% | 1,014 |
| Loan and lease loss provision to assets | 0.0524% | 6,557 |
| Net operating income to assets | 0.3247% | 5,074 |
| Return on assets (ROA) | 0.3247% | 5,235 |
| Pretax return on assets | 0.3247% | 5,435 |
| Return on Equity (ROE) | 3.8322% | 4,857 |
| Retained earnings to average equity (ytd only) | 0.3709% | 5,644 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4489% | 1,176 |
| Assets per employee ($millions) | 2.4640% | 7,115 |
| Cash dividends to net income (ytd only)* | 90.3218% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6884% | 3,186 |
| Loan loss allowance to noncurrent loans | 215.6863% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 6,388 |
| Noncurrent loans to loans | 0.7828% | 5,647 |
| Net loans and leases to total assets | 51.9886% | 6,107 |
| Net loans and leases to deposits | 57.7808% | 6,478 |
| Net loans and leases to core deposits | 57.7808% | 6,745 |
| Total domestic deposits to total assets | 89.9756% | 895 |
| Equity capital to assets | 8.8068% | 5,852 |
| Core capital (leverage) ratio | 8.4991% | 5,507 |
| Tier 1 risk-based capital ratio | 16.7335% | 2,445 |
| Total risk-based capital ratio | 17.9827% | 2,410 |
| Memoranda: | ||
| Average total assets | $12,730,250 | 7,703 |
| Average earning assets | $12,006,000 | 7,682 |
| Average equity | $1,078,500 | 7,726 |
| Average total loans | $6,295,500 | 7,619 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3311% | 6,997 |
| Cost of funding earning assets | 0.5086% | 7,535 |
| Net interest margin | 3.8225% | 3,798 |
| Noninterest income to average assets | 0.6995% | 2,707 |
| Noninterest expense to average assets | 4.1191% | 896 |
| Loan and lease loss provision to assets | 0.0622% | 6,329 |
| Net operating income to assets | 0.1399% | 5,750 |
| Return on assets (ROA) | 0.1399% | 5,864 |
| Pretax return on assets | 0.1399% | 5,902 |
| Return on Equity (ROE) | 1.6723% | 5,742 |
| Retained earnings to average equity (ytd only) | -1.8582% | 6,124 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3237% | 994 |
| Assets per employee ($millions) | 2.1445% | 7,479 |
| Cash dividends to net income (ytd only)* | 211.1111% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6692% | 3,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 49.4443% | 6,496 |
| Net loans and leases to deposits | 54.6094% | 6,821 |
| Net loans and leases to core deposits | 54.6094% | 7,011 |
| Total domestic deposits to total assets | 90.5417% | 671 |
| Equity capital to assets | 8.3314% | 6,383 |
| Core capital (leverage) ratio | 8.1695% | 6,000 |
| Tier 1 risk-based capital ratio | 16.2621% | 2,567 |
| Total risk-based capital ratio | 17.5212% | 2,516 |
| Memoranda: | ||
| Average total assets | $12,867,000 | 7,769 |
| Average earning assets | $12,191,000 | 7,744 |
| Average equity | $1,076,330 | 7,791 |
| Average total loans | $6,222,330 | 7,689 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 6,993 |
| Cost of funding earning assets | 0.5258% | 7,637 |
| Net interest margin | 3.8779% | 3,418 |
| Noninterest income to average assets | 0.7772% | 2,138 |
| Noninterest expense to average assets | 4.1968% | 811 |
| Loan and lease loss provision to assets | 0.0622% | 6,020 |
| Net operating income to assets | 0.1865% | 5,733 |
| Return on assets (ROA) | 0.1865% | 5,861 |
| Pretax return on assets | 0.1865% | 5,918 |
| Return on Equity (ROE) | 2.2253% | 5,667 |
| Retained earnings to average equity (ytd only) | -2.5962% | 6,312 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4056% | 1,117 |
| Assets per employee ($millions) | 2.1840% | 7,556 |
| Cash dividends to net income (ytd only)* | 216.6667% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7593% | 2,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 45.1694% | 6,896 |
| Net loans and leases to deposits | 49.3909% | 7,158 |
| Net loans and leases to core deposits | 49.3909% | 7,306 |
| Total domestic deposits to total assets | 91.4530% | 389 |
| Equity capital to assets | 8.2036% | 6,424 |
| Core capital (leverage) ratio | 8.3288% | 5,692 |
| Tier 1 risk-based capital ratio | 16.5742% | 2,421 |
| Total risk-based capital ratio | 17.8230% | 2,372 |
| Memoranda: | ||
| Average total assets | $12,867,000 | 7,871 |
| Average earning assets | $12,171,500 | 7,844 |
| Average equity | $1,078,500 | 7,880 |
| Average total loans | $6,098,500 | 7,791 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9778% | 6,501 |
| Cost of funding earning assets | 0.7652% | 7,602 |
| Net interest margin | 4.2127% | 2,022 |
| Noninterest income to average assets | 0.7245% | 2,823 |
| Noninterest expense to average assets | 4.3553% | 928 |
| Loan and lease loss provision to assets | 0.0570% | 6,995 |
| Net operating income to assets | 0.2849% | 4,590 |
| Return on assets (ROA) | 0.2849% | 4,677 |
| Pretax return on assets | 0.3012% | 4,755 |
| Return on Equity (ROE) | 3.2395% | 4,402 |
| Retained earnings to average equity (ytd only) | -0.0926% | 4,955 |
| Net charge-offs to loans | -0.3011% | 7,929 |
| Credit loss provision to net charge-offs | -36.8421% | 7,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4007% | 1,529 |
| Assets per employee ($millions) | 2.1050% | 7,648 |
| Cash dividends to net income (ytd only)* | 102.8571% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6850% | 2,942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 48.0443% | 6,810 |
| Net loans and leases to deposits | 52.7285% | 7,121 |
| Net loans and leases to core deposits | 54.6322% | 7,450 |
| Total domestic deposits to total assets | 91.1164% | 492 |
| Equity capital to assets | 8.5669% | 5,776 |
| Core capital (leverage) ratio | 8.5628% | 5,166 |
| Tier 1 risk-based capital ratio | 16.4014% | 2,355 |
| Total risk-based capital ratio | 17.6595% | 2,303 |
| Memoranda: | ||
| Average total assets | $12,284,000 | 7,945 |
| Average earning assets | $11,631,600 | 7,923 |
| Average equity | $1,080,400 | 7,972 |
| Average total loans | $6,310,400 | 7,850 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0942% | 6,289 |
| Cost of funding earning assets | 0.8201% | 7,669 |
| Net interest margin | 4.2740% | 1,792 |
| Noninterest income to average assets | 0.7105% | 2,950 |
| Noninterest expense to average assets | 4.5363% | 716 |
| Loan and lease loss provision to assets | 0.0547% | 6,825 |
| Net operating income to assets | 0.1640% | 5,273 |
| Return on assets (ROA) | 0.1640% | 5,335 |
| Pretax return on assets | 0.1640% | 5,376 |
| Return on Equity (ROE) | 1.8519% | 5,215 |
| Retained earnings to average equity (ytd only) | -0.8639% | 5,456 |
| Net charge-offs to loans | -0.3992% | 8,014 |
| Credit loss provision to net charge-offs | -26.3158% | 7,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4023% | 1,310 |
| Assets per employee ($millions) | 2.0307% | 7,779 |
| Cash dividends to net income (ytd only)* | 146.6500% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7115% | 2,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 48.5473% | 6,904 |
| Net loans and leases to deposits | 53.5585% | 7,236 |
| Net loans and leases to core deposits | 55.5712% | 7,556 |
| Total domestic deposits to total assets | 90.6435% | 538 |
| Equity capital to assets | 8.8313% | 5,735 |
| Core capital (leverage) ratio | 8.6474% | 5,228 |
| Tier 1 risk-based capital ratio | 16.6383% | 2,378 |
| Total risk-based capital ratio | 17.8908% | 2,327 |
| Memoranda: | ||
| Average total assets | $12,197,500 | 8,026 |
| Average earning assets | $11,542,250 | 8,001 |
| Average equity | $1,080,000 | 8,057 |
| Average total loans | $6,345,000 | 7,927 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2224% | 5,995 |
| Cost of funding earning assets | 0.8849% | 7,713 |
| Net interest margin | 4.3375% | 1,556 |
| Noninterest income to average assets | 0.7048% | 2,961 |
| Noninterest expense to average assets | 4.5075% | 773 |
| Loan and lease loss provision to assets | 0.0656% | 6,553 |
| Net operating income to assets | 0.2295% | 5,158 |
| Return on assets (ROA) | 0.2295% | 5,246 |
| Pretax return on assets | 0.2295% | 5,388 |
| Return on Equity (ROE) | 2.5894% | 5,063 |
| Retained earnings to average equity (ytd only) | -1.4797% | 5,610 |
| Net charge-offs to loans | -0.5888% | 8,108 |
| Credit loss provision to net charge-offs | -21.0526% | 6,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8567% | 1,503 |
| Assets per employee ($millions) | 2.0372% | 7,830 |
| Cash dividends to net income (ytd only)* | 157.1429% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 2,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 49.9059% | 6,879 |
| Net loans and leases to deposits | 55.0293% | 7,216 |
| Net loans and leases to core deposits | 57.0787% | 7,555 |
| Total domestic deposits to total assets | 90.6897% | 561 |
| Equity capital to assets | 8.7949% | 5,605 |
| Core capital (leverage) ratio | 8.7356% | 5,034 |
| Tier 1 risk-based capital ratio | 16.6331% | 2,410 |
| Total risk-based capital ratio | 17.8864% | 2,358 |
| Memoranda: | ||
| Average total assets | $12,202,000 | 8,116 |
| Average earning assets | $11,527,330 | 8,091 |
| Average equity | $1,081,330 | 8,148 |
| Average total loans | $6,454,000 | 8,013 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3780% | 5,537 |
| Cost of funding earning assets | 1.0062% | 7,663 |
| Net interest margin | 4.3718% | 1,418 |
| Noninterest income to average assets | 0.6562% | 3,166 |
| Noninterest expense to average assets | 4.3965% | 790 |
| Loan and lease loss provision to assets | 0.0656% | 6,127 |
| Net operating income to assets | 0.3281% | 5,176 |
| Return on assets (ROA) | 0.3281% | 5,360 |
| Pretax return on assets | 0.3281% | 5,598 |
| Return on Equity (ROE) | 3.6883% | 5,091 |
| Retained earnings to average equity (ytd only) | 1.1065% | 5,195 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7808% | 1,587 |
| Assets per employee ($millions) | 2.0548% | 7,852 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 4,125 |
| Loan loss allowance to noncurrent loans | 168.7500% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 6,336 |
| Noncurrent loans to loans | 0.7646% | 5,518 |
| Net loans and leases to total assets | 50.2636% | 6,839 |
| Net loans and leases to deposits | 55.4145% | 7,192 |
| Net loans and leases to core deposits | 57.9918% | 7,527 |
| Total domestic deposits to total assets | 90.7048% | 513 |
| Equity capital to assets | 8.8085% | 5,611 |
| Core capital (leverage) ratio | 8.9752% | 4,747 |
| Tier 1 risk-based capital ratio | 16.5650% | 2,494 |
| Total risk-based capital ratio | 17.8005% | 2,428 |
| Memoranda: | ||
| Average total assets | $12,191,500 | 8,164 |
| Average earning assets | $11,528,500 | 8,141 |
| Average equity | $1,084,500 | 8,201 |
| Average total loans | $6,580,500 | 8,059 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1900% | 4,570 |
| Cost of funding earning assets | 1.2998% | 7,850 |
| Net interest margin | 4.8902% | 643 |
| Noninterest income to average assets | 0.6471% | 3,490 |
| Noninterest expense to average assets | 4.6063% | 813 |
| Loan and lease loss provision to assets | 0.0596% | 6,664 |
| Net operating income to assets | 0.5364% | 4,595 |
| Return on assets (ROA) | 0.5364% | 4,442 |
| Pretax return on assets | 0.5620% | 4,806 |
| Return on Equity (ROE) | 5.8934% | 3,989 |
| Retained earnings to average equity (ytd only) | 1.8709% | 4,062 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1107% | 1,671 |
| Assets per employee ($millions) | 2.0090% | 7,906 |
| Cash dividends to net income (ytd only)* | 68.2540% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 4,942 |
| Loan loss allowance to noncurrent loans | 112.8571% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 5,439 |
| Noncurrent loans to loans | 1.0170% | 4,551 |
| Net loans and leases to total assets | 56.4460% | 6,383 |
| Net loans and leases to deposits | 62.3077% | 6,920 |
| Net loans and leases to core deposits | 64.9299% | 7,402 |
| Total domestic deposits to total assets | 90.5923% | 455 |
| Equity capital to assets | 8.9846% | 5,384 |
| Core capital (leverage) ratio | 9.0055% | 4,732 |
| Tier 1 risk-based capital ratio | 15.6866% | 2,788 |
| Total risk-based capital ratio | 16.8308% | 2,746 |
| Memoranda: | ||
| Average total assets | $11,744,800 | 8,219 |
| Average earning assets | $11,001,600 | 8,201 |
| Average equity | $1,069,000 | 8,266 |
| Average total loans | $6,599,000 | 8,099 |