Home > State Bank of Brooks > Performance and Condition Ratios
State Bank of Brooks, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0920% | 4,504 |
| Cost of funding earning assets | 0.6846% | 3,947 |
| Net interest margin | 2.4074% | 4,181 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 2.0201% | 3,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2500% | 4,096 |
| Return on assets (ROA) | 0.1916% | 4,191 |
| Pretax return on assets | 0.2917% | 4,094 |
| Return on Equity (ROE) | 1.8600% | 4,171 |
| Retained earnings to average equity (ytd only) | 1.8638% | 3,610 |
| Net charge-offs to loans | 0.1112% | 846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,166 |
| Efficiency ratio | 84.6715% | 632 |
| Assets per employee ($millions) | 7.4973% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9766% | 391 |
| Loan loss allowance to noncurrent loans | 393.9394% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 2,540 |
| Noncurrent loans to loans | 0.5017% | 1,530 |
| Net loans and leases to total assets | 28.6600% | 4,324 |
| Net loans and leases to deposits | 32.1306% | 4,331 |
| Net loans and leases to core deposits | 32.9652% | 4,369 |
| Total domestic deposits to total assets | 89.2100% | 1,005 |
| Equity capital to assets | 10.4748% | 1,736 |
| Core capital (leverage) ratio | 10.5627% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.5285% | 143 |
| Memoranda: | ||
| Average total assets | $22,968,600 | 4,512 |
| Average earning assets | $22,056,800 | 4,470 |
| Average equity | $2,360,800 | 4,465 |
| Average total loans | $6,292,400 | 4,448 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9855% | 4,533 |
| Cost of funding earning assets | 0.5767% | 4,013 |
| Net interest margin | 2.4088% | 4,221 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.6690% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6311% | 3,471 |
| Return on assets (ROA) | 0.5486% | 3,654 |
| Pretax return on assets | 0.6526% | 3,639 |
| Return on Equity (ROE) | 5.3600% | 3,753 |
| Retained earnings to average equity (ytd only) | 5.3626% | 2,819 |
| Net charge-offs to loans | 0.0214% | 1,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 801 |
| Efficiency ratio | 68.9737% | 1,908 |
| Assets per employee ($millions) | 7.3570% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9736% | 411 |
| Loan loss allowance to noncurrent loans | 34.7826% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 2.0932% | 126 |
| Noncurrent loans to loans | 5.6741% | 40 |
| Net loans and leases to total assets | 30.6100% | 4,302 |
| Net loans and leases to deposits | 35.2557% | 4,309 |
| Net loans and leases to core deposits | 35.2557% | 4,335 |
| Total domestic deposits to total assets | 86.8100% | 1,947 |
| Equity capital to assets | 10.8831% | 1,390 |
| Core capital (leverage) ratio | 10.7434% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.7994% | 160 |
| Memoranda: | ||
| Average total assets | $23,087,750 | 4,538 |
| Average earning assets | $22,195,500 | 4,499 |
| Average equity | $2,362,000 | 4,485 |
| Average total loans | $6,221,250 | 4,473 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8398% | 4,580 |
| Cost of funding earning assets | 0.4082% | 4,152 |
| Net interest margin | 2.4316% | 4,279 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.6135% | 4,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6990% | 3,346 |
| Return on assets (ROA) | 0.6488% | 3,470 |
| Pretax return on assets | 0.7684% | 3,465 |
| Return on Equity (ROE) | 6.4700% | 3,580 |
| Retained earnings to average equity (ytd only) | 6.4718% | 2,454 |
| Net charge-offs to loans | 0.0333% | 1,231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 954 |
| Efficiency ratio | 55.9441% | 3,426 |
| Assets per employee ($millions) | 7.5197% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0975% | 362 |
| Loan loss allowance to noncurrent loans | 34.1709% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 2.0790% | 130 |
| Noncurrent loans to loans | 6.1382% | 33 |
| Net loans and leases to total assets | 28.1400% | 4,358 |
| Net loans and leases to deposits | 31.7670% | 4,377 |
| Net loans and leases to core deposits | 31.7670% | 4,387 |
| Total domestic deposits to total assets | 88.5800% | 1,385 |
| Equity capital to assets | 10.5634% | 1,565 |
| Core capital (leverage) ratio | 10.3017% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8955% | 184 |
| Memoranda: | ||
| Average total assets | $23,426,667 | 4,562 |
| Average earning assets | $22,537,000 | 4,524 |
| Average equity | $2,348,667 | 4,517 |
| Average total loans | $5,998,000 | 4,509 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7370% | 4,613 |
| Cost of funding earning assets | 0.2983% | 4,203 |
| Net interest margin | 2.4387% | 4,354 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.4082% | 4,466 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8214% | 3,130 |
| Return on assets (ROA) | 0.8214% | 3,080 |
| Pretax return on assets | 1.0226% | 2,928 |
| Return on Equity (ROE) | 8.4100% | 3,198 |
| Retained earnings to average equity (ytd only) | 8.4066% | 2,112 |
| Net charge-offs to loans | -0.0695% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.9310% | 3,200 |
| Assets per employee ($millions) | 8.0613% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3851% | 248 |
| Loan loss allowance to noncurrent loans | 179.2208% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 1,028 |
| Noncurrent loans to loans | 1.3308% | 500 |
| Net loans and leases to total assets | 23.3500% | 4,487 |
| Net loans and leases to deposits | 25.9344% | 4,498 |
| Net loans and leases to core deposits | 25.9344% | 4,496 |
| Total domestic deposits to total assets | 90.0500% | 1,141 |
| Equity capital to assets | 9.7420% | 1,968 |
| Core capital (leverage) ratio | 9.7597% | 2,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.5941% | 175 |
| Memoranda: | ||
| Average total assets | $23,860,500 | 4,617 |
| Average earning assets | $22,799,000 | 4,587 |
| Average equity | $2,331,500 | 4,584 |
| Average total loans | $5,755,000 | 4,583 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4367% | 4,523 |
| Cost of funding earning assets | 0.1955% | 3,795 |
| Net interest margin | 2.2412% | 4,457 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 1.9584% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2464% | 4,414 |
| Return on assets (ROA) | 0.2464% | 4,393 |
| Pretax return on assets | 0.2983% | 4,380 |
| Return on Equity (ROE) | 2.4900% | 4,342 |
| Retained earnings to average equity (ytd only) | 2.4950% | 3,857 |
| Net charge-offs to loans | -0.0557% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.7816% | 398 |
| Assets per employee ($millions) | 7.8457% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3934% | 235 |
| Loan loss allowance to noncurrent loans | 60.0877% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.1599% | 332 |
| Noncurrent loans to loans | 3.9832% | 92 |
| Net loans and leases to total assets | 23.7400% | 4,511 |
| Net loans and leases to deposits | 26.3587% | 4,519 |
| Net loans and leases to core deposits | 26.3587% | 4,525 |
| Total domestic deposits to total assets | 90.0500% | 1,342 |
| Equity capital to assets | 9.8016% | 1,824 |
| Core capital (leverage) ratio | 9.7696% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5423% | 161 |
| Memoranda: | ||
| Average total assets | $23,131,400 | 4,656 |
| Average earning assets | $21,997,200 | 4,623 |
| Average equity | $2,284,600 | 4,656 |
| Average total loans | $5,388,600 | 4,618 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3962% | 4,498 |
| Cost of funding earning assets | 0.1829% | 3,486 |
| Net interest margin | 2.2133% | 4,456 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.6442% | 4,250 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4747% | 4,127 |
| Return on assets (ROA) | 0.4747% | 4,076 |
| Pretax return on assets | 0.5905% | 4,007 |
| Return on Equity (ROE) | 4.8000% | 4,015 |
| Retained earnings to average equity (ytd only) | 4.7973% | 3,162 |
| Net charge-offs to loans | -0.0251% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.5751% | 1,325 |
| Assets per employee ($millions) | 7.6777% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3232% | 279 |
| Loan loss allowance to noncurrent loans | 54.8780% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.2634% | 302 |
| Noncurrent loans to loans | 4.2334% | 84 |
| Net loans and leases to total assets | 24.6400% | 4,532 |
| Net loans and leases to deposits | 27.6716% | 4,540 |
| Net loans and leases to core deposits | 27.6716% | 4,547 |
| Total domestic deposits to total assets | 89.0500% | 2,072 |
| Equity capital to assets | 10.1246% | 1,556 |
| Core capital (leverage) ratio | 9.8952% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.7650% | 183 |
| Memoranda: | ||
| Average total assets | $23,030,000 | 4,694 |
| Average earning assets | $21,867,500 | 4,662 |
| Average equity | $2,279,000 | 4,699 |
| Average total loans | $5,304,750 | 4,656 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1837% | 4,572 |
| Cost of funding earning assets | 0.1743% | 3,260 |
| Net interest margin | 2.0094% | 4,553 |
| Noninterest income to average assets | 0.1303% | 4,353 |
| Noninterest expense to average assets | 1.7977% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1911% | 4,432 |
| Return on assets (ROA) | 0.1911% | 4,394 |
| Pretax return on assets | 0.2345% | 4,371 |
| Return on Equity (ROE) | 1.9458% | 4,358 |
| Retained earnings to average equity (ytd only) | 1.9458% | 3,766 |
| Net charge-offs to loans | -0.0389% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4615% | 476 |
| Assets per employee ($millions) | 7.9740% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5005% | 265 |
| Loan loss allowance to noncurrent loans | 45.1505% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.4380% | 252 |
| Noncurrent loans to loans | 5.5381% | 47 |
| Net loans and leases to total assets | 22.0048% | 4,630 |
| Net loans and leases to deposits | 24.3490% | 4,635 |
| Net loans and leases to core deposits | 24.3490% | 4,641 |
| Total domestic deposits to total assets | 90.3729% | 1,528 |
| Equity capital to assets | 9.4975% | 2,017 |
| Core capital (leverage) ratio | 9.4423% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8649% | 181 |
| Memoranda: | ||
| Average total assets | $23,029,000 | 4,727 |
| Average earning assets | $21,798,000 | 4,709 |
| Average equity | $2,261,333 | 4,727 |
| Average total loans | $5,136,000 | 4,721 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1288% | 4,566 |
| Cost of funding earning assets | 0.1696% | 3,225 |
| Net interest margin | 1.9593% | 4,538 |
| Noninterest income to average assets | 0.1240% | 4,385 |
| Noninterest expense to average assets | 1.7004% | 4,134 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2126% | 4,308 |
| Return on assets (ROA) | 0.2126% | 4,274 |
| Pretax return on assets | 0.2657% | 4,237 |
| Return on Equity (ROE) | 2.1277% | 4,241 |
| Retained earnings to average equity (ytd only) | 2.1277% | 3,511 |
| Net charge-offs to loans | -0.0799% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4865% | 710 |
| Assets per employee ($millions) | 7.7533% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7190% | 218 |
| Loan loss allowance to noncurrent loans | 59.2105% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.1737% | 377 |
| Noncurrent loans to loans | 4.5921% | 73 |
| Net loans and leases to total assets | 20.7653% | 4,659 |
| Net loans and leases to deposits | 23.0329% | 4,672 |
| Net loans and leases to core deposits | 23.0329% | 4,675 |
| Total domestic deposits to total assets | 90.1548% | 1,476 |
| Equity capital to assets | 9.7248% | 2,108 |
| Core capital (leverage) ratio | 10.1027% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9502% | 177 |
| Memoranda: | ||
| Average total assets | $22,582,500 | 4,756 |
| Average earning assets | $21,232,500 | 4,736 |
| Average equity | $2,256,000 | 4,754 |
| Average total loans | $5,004,500 | 4,749 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2825% | 4,596 |
| Cost of funding earning assets | 0.2654% | 2,750 |
| Net interest margin | 2.0171% | 4,591 |
| Noninterest income to average assets | 0.1131% | 4,554 |
| Noninterest expense to average assets | 1.8367% | 4,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1131% | 4,613 |
| Return on assets (ROA) | 0.1131% | 4,621 |
| Pretax return on assets | 0.1674% | 4,595 |
| Return on Equity (ROE) | 1.1151% | 4,597 |
| Retained earnings to average equity (ytd only) | 1.1151% | 4,229 |
| Net charge-offs to loans | -0.0449% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6479% | 275 |
| Assets per employee ($millions) | 7.3017% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6566% | 227 |
| Loan loss allowance to noncurrent loans | 70.5263% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.0728% | 491 |
| Noncurrent loans to loans | 3.7669% | 120 |
| Net loans and leases to total assets | 22.4150% | 4,685 |
| Net loans and leases to deposits | 25.0166% | 4,701 |
| Net loans and leases to core deposits | 25.0166% | 4,707 |
| Total domestic deposits to total assets | 89.6005% | 1,174 |
| Equity capital to assets | 10.2716% | 2,402 |
| Core capital (leverage) ratio | 10.3126% | 2,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.1348% | 117 |
| Memoranda: | ||
| Average total assets | $22,105,400 | 4,795 |
| Average earning assets | $20,722,800 | 4,774 |
| Average equity | $2,242,000 | 4,800 |
| Average total loans | $4,458,200 | 4,797 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2408% | 4,699 |
| Cost of funding earning assets | 0.2873% | 2,723 |
| Net interest margin | 1.9535% | 4,700 |
| Noninterest income to average assets | 0.1083% | 4,635 |
| Noninterest expense to average assets | 1.6730% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2227% | 4,607 |
| Return on assets (ROA) | 0.2227% | 4,630 |
| Pretax return on assets | 0.2768% | 4,609 |
| Return on Equity (ROE) | 2.2023% | 4,569 |
| Retained earnings to average equity (ytd only) | 2.2023% | 4,137 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8025% | 440 |
| Assets per employee ($millions) | 7.0637% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8504% | 182 |
| Loan loss allowance to noncurrent loans | 67.6923% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 544 |
| Noncurrent loans to loans | 4.2108% | 114 |
| Net loans and leases to total assets | 21.2307% | 4,781 |
| Net loans and leases to deposits | 24.0794% | 4,789 |
| Net loans and leases to core deposits | 24.0794% | 4,795 |
| Total domestic deposits to total assets | 88.1695% | 1,736 |
| Equity capital to assets | 10.6743% | 2,287 |
| Core capital (leverage) ratio | 10.3695% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.3972% | 117 |
| Memoranda: | ||
| Average total assets | $22,155,500 | 4,868 |
| Average earning assets | $20,884,750 | 4,847 |
| Average equity | $2,240,000 | 4,873 |
| Average total loans | $4,311,750 | 4,868 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2240% | 4,751 |
| Cost of funding earning assets | 0.3136% | 2,648 |
| Net interest margin | 1.9103% | 4,749 |
| Noninterest income to average assets | 0.0979% | 4,695 |
| Noninterest expense to average assets | 1.7618% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0712% | 4,736 |
| Return on assets (ROA) | 0.0712% | 4,747 |
| Pretax return on assets | 0.1246% | 4,716 |
| Return on Equity (ROE) | 0.7166% | 4,730 |
| Retained earnings to average equity (ytd only) | 0.7166% | 4,395 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3962% | 267 |
| Assets per employee ($millions) | 7.3487% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1191% | 132 |
| Loan loss allowance to noncurrent loans | 77.6471% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.9752% | 778 |
| Noncurrent loans to loans | 4.0170% | 136 |
| Net loans and leases to total assets | 18.5975% | 4,842 |
| Net loans and leases to deposits | 20.7259% | 4,851 |
| Net loans and leases to core deposits | 20.7259% | 4,851 |
| Total domestic deposits to total assets | 89.7306% | 905 |
| Equity capital to assets | 10.1288% | 2,744 |
| Core capital (leverage) ratio | 9.9271% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.7256% | 117 |
| Memoranda: | ||
| Average total assets | $22,477,000 | 4,900 |
| Average earning assets | $21,043,333 | 4,882 |
| Average equity | $2,232,667 | 4,908 |
| Average total loans | $4,205,333 | 4,911 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2139% | 4,787 |
| Cost of funding earning assets | 0.3349% | 2,663 |
| Net interest margin | 1.8790% | 4,781 |
| Noninterest income to average assets | 0.1058% | 4,656 |
| Noninterest expense to average assets | 1.5512% | 4,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2644% | 4,570 |
| Return on assets (ROA) | 0.2644% | 4,594 |
| Pretax return on assets | 0.3349% | 4,561 |
| Return on Equity (ROE) | 2.6876% | 4,527 |
| Retained earnings to average equity (ytd only) | 2.6876% | 3,874 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2430% | 693 |
| Assets per employee ($millions) | 7.4060% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0471% | 138 |
| Loan loss allowance to noncurrent loans | 67.3469% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.0847% | 742 |
| Noncurrent loans to loans | 4.5245% | 103 |
| Net loans and leases to total assets | 18.9036% | 4,869 |
| Net loans and leases to deposits | 21.0590% | 4,878 |
| Net loans and leases to core deposits | 21.0590% | 4,880 |
| Total domestic deposits to total assets | 89.7651% | 924 |
| Equity capital to assets | 10.0819% | 2,632 |
| Core capital (leverage) ratio | 9.9768% | 2,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.3875% | 118 |
| Memoranda: | ||
| Average total assets | $22,692,500 | 4,925 |
| Average earning assets | $21,500,500 | 4,903 |
| Average equity | $2,232,500 | 4,935 |
| Average total loans | $4,192,000 | 4,935 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7365% | 4,781 |
| Cost of funding earning assets | 0.4873% | 3,031 |
| Net interest margin | 2.2492% | 4,741 |
| Noninterest income to average assets | 0.1600% | 4,496 |
| Noninterest expense to average assets | 2.0302% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1850% | 4,591 |
| Return on assets (ROA) | 0.1850% | 4,648 |
| Pretax return on assets | 0.2300% | 4,631 |
| Return on Equity (ROE) | 1.6634% | 4,603 |
| Retained earnings to average equity (ytd only) | 1.6634% | 3,966 |
| Net charge-offs to loans | -0.0245% | 4,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8230% | 385 |
| Assets per employee ($millions) | 7.7223% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2577% | 116 |
| Loan loss allowance to noncurrent loans | 64.7059% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.0748% | 859 |
| Noncurrent loans to loans | 5.0346% | 89 |
| Net loans and leases to total assets | 16.9206% | 4,901 |
| Net loans and leases to deposits | 18.7515% | 4,909 |
| Net loans and leases to core deposits | 18.7515% | 4,913 |
| Total domestic deposits to total assets | 90.2361% | 474 |
| Equity capital to assets | 9.6042% | 3,510 |
| Core capital (leverage) ratio | 10.2205% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4364% | 306 |
| Memoranda: | ||
| Average total assets | $19,997,600 | 4,953 |
| Average earning assets | $18,673,600 | 4,936 |
| Average equity | $2,224,400 | 4,957 |
| Average total loans | $4,089,600 | 4,960 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9069% | 4,791 |
| Cost of funding earning assets | 0.5218% | 3,100 |
| Net interest margin | 2.3852% | 4,734 |
| Noninterest income to average assets | 0.1597% | 4,499 |
| Noninterest expense to average assets | 1.8328% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4790% | 4,089 |
| Return on assets (ROA) | 0.4790% | 4,166 |
| Pretax return on assets | 0.5484% | 4,194 |
| Return on Equity (ROE) | 4.1361% | 4,123 |
| Retained earnings to average equity (ytd only) | 4.1361% | 2,975 |
| Net charge-offs to loans | -0.0976% | 4,821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9679% | 1,122 |
| Assets per employee ($millions) | 6.8843% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1882% | 118 |
| Loan loss allowance to noncurrent loans | 62.9108% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.2492% | 776 |
| Noncurrent loans to loans | 5.0678% | 106 |
| Net loans and leases to total assets | 19.7017% | 4,930 |
| Net loans and leases to deposits | 22.1659% | 4,940 |
| Net loans and leases to core deposits | 22.1659% | 4,943 |
| Total domestic deposits to total assets | 88.8830% | 820 |
| Equity capital to assets | 10.9282% | 2,445 |
| Core capital (leverage) ratio | 11.3173% | 1,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.7249% | 127 |
| Memoranda: | ||
| Average total assets | $19,205,250 | 4,991 |
| Average earning assets | $17,887,750 | 4,973 |
| Average equity | $2,224,250 | 4,986 |
| Average total loans | $4,099,000 | 4,992 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0270% | 4,827 |
| Cost of funding earning assets | 0.5525% | 3,224 |
| Net interest margin | 2.4745% | 4,749 |
| Noninterest income to average assets | 0.1602% | 4,489 |
| Noninterest expense to average assets | 1.7946% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5555% | 3,870 |
| Return on assets (ROA) | 0.5555% | 3,951 |
| Pretax return on assets | 0.6623% | 3,950 |
| Return on Equity (ROE) | 4.6988% | 3,915 |
| Retained earnings to average equity (ytd only) | 4.6988% | 2,607 |
| Net charge-offs to loans | -0.0492% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0435% | 1,565 |
| Assets per employee ($millions) | 6.3340% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2148% | 116 |
| Loan loss allowance to noncurrent loans | 44.5946% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.7945% | 443 |
| Noncurrent loans to loans | 7.2090% | 58 |
| Net loans and leases to total assets | 20.9136% | 4,954 |
| Net loans and leases to deposits | 23.7722% | 4,964 |
| Net loans and leases to core deposits | 23.7722% | 4,965 |
| Total domestic deposits to total assets | 87.9750% | 1,191 |
| Equity capital to assets | 11.7882% | 1,787 |
| Core capital (leverage) ratio | 11.9168% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.6792% | 115 |
| Memoranda: | ||
| Average total assets | $18,722,667 | 5,023 |
| Average earning assets | $17,377,000 | 5,009 |
| Average equity | $2,213,333 | 5,016 |
| Average total loans | $4,064,333 | 5,024 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1183% | 4,904 |
| Cost of funding earning assets | 0.5544% | 3,673 |
| Net interest margin | 2.5640% | 4,778 |
| Noninterest income to average assets | 0.1937% | 4,391 |
| Noninterest expense to average assets | 1.9803% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4951% | 3,905 |
| Return on assets (ROA) | 0.4951% | 3,964 |
| Pretax return on assets | 0.6027% | 3,913 |
| Return on Equity (ROE) | 4.1818% | 3,903 |
| Retained earnings to average equity (ytd only) | 4.1818% | 2,610 |
| Net charge-offs to loans | -0.0989% | 4,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6667% | 1,491 |
| Assets per employee ($millions) | 6.1487% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2528% | 114 |
| Loan loss allowance to noncurrent loans | 39.1691% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 2.0709% | 392 |
| Noncurrent loans to loans | 8.3046% | 42 |
| Net loans and leases to total assets | 21.2837% | 4,999 |
| Net loans and leases to deposits | 24.2495% | 5,014 |
| Net loans and leases to core deposits | 24.2495% | 5,013 |
| Total domestic deposits to total assets | 87.7697% | 1,201 |
| Equity capital to assets | 11.9918% | 2,078 |
| Core capital (leverage) ratio | 11.8867% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.9673% | 109 |
| Memoranda: | ||
| Average total assets | $18,583,000 | 5,071 |
| Average earning assets | $17,317,000 | 5,056 |
| Average equity | $2,200,000 | 5,061 |
| Average total loans | $4,043,500 | 5,071 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1276% | 5,022 |
| Cost of funding earning assets | 0.5106% | 4,041 |
| Net interest margin | 2.6170% | 4,895 |
| Noninterest income to average assets | 0.2123% | 4,399 |
| Noninterest expense to average assets | 2.2159% | 4,134 |
| Loan and lease loss provision to assets | 0.0272% | 3,468 |
| Net operating income to assets | 0.3376% | 4,700 |
| Return on assets (ROA) | 0.3376% | 4,726 |
| Pretax return on assets | 0.4247% | 4,669 |
| Return on Equity (ROE) | 2.8456% | 4,689 |
| Retained earnings to average equity (ytd only) | 2.8456% | 3,617 |
| Net charge-offs to loans | 0.2346% | 872 |
| Credit loss provision to net charge-offs | 55.5556% | 3,077 |
| Earnings coverage of net charge-offs (x) | 9.2222% | 2,691 |
| Efficiency ratio | 83.0612% | 725 |
| Assets per employee ($millions) | 6.2400% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2514% | 101 |
| Loan loss allowance to noncurrent loans | 49.0637% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.6667% | 563 |
| Noncurrent loans to loans | 6.6270% | 54 |
| Net loans and leases to total assets | 20.8226% | 5,065 |
| Net loans and leases to deposits | 23.6343% | 5,080 |
| Net loans and leases to core deposits | 23.6343% | 5,083 |
| Total domestic deposits to total assets | 88.1036% | 1,086 |
| Equity capital to assets | 11.6880% | 2,360 |
| Core capital (leverage) ratio | 11.6874% | 1,969 |
| Tier 1 risk-based capital ratio | 39.8398% | 245 |
| Total risk-based capital ratio | 41.0961% | 242 |
| Memoranda: | ||
| Average total assets | $18,367,200 | 5,128 |
| Average earning assets | $17,233,400 | 5,114 |
| Average equity | $2,178,800 | 5,121 |
| Average total loans | $3,836,600 | 5,135 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1174% | 5,119 |
| Cost of funding earning assets | 0.5040% | 4,125 |
| Net interest margin | 2.6134% | 4,993 |
| Noninterest income to average assets | 0.2188% | 4,420 |
| Noninterest expense to average assets | 1.7871% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7440% | 3,865 |
| Return on assets (ROA) | 0.7440% | 3,930 |
| Pretax return on assets | 0.8899% | 3,904 |
| Return on Equity (ROE) | 6.2486% | 3,972 |
| Retained earnings to average equity (ytd only) | 6.2486% | 2,249 |
| Net charge-offs to loans | -0.0705% | 4,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7575% | 2,627 |
| Assets per employee ($millions) | 6.1097% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4156% | 92 |
| Loan loss allowance to noncurrent loans | 45.6667% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.8823% | 501 |
| Noncurrent loans to loans | 7.4794% | 47 |
| Net loans and leases to total assets | 21.1359% | 5,151 |
| Net loans and leases to deposits | 24.1265% | 5,159 |
| Net loans and leases to core deposits | 24.1265% | 5,163 |
| Total domestic deposits to total assets | 87.6043% | 1,217 |
| Equity capital to assets | 12.1556% | 2,147 |
| Core capital (leverage) ratio | 11.8378% | 1,971 |
| Tier 1 risk-based capital ratio | 37.0592% | 304 |
| Total risk-based capital ratio | 38.3067% | 296 |
| Memoranda: | ||
| Average total assets | $18,279,000 | 5,209 |
| Average earning assets | $17,193,250 | 5,194 |
| Average equity | $2,176,500 | 5,198 |
| Average total loans | $3,788,500 | 5,214 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0587% | 5,198 |
| Cost of funding earning assets | 0.4885% | 4,169 |
| Net interest margin | 2.5702% | 5,091 |
| Noninterest income to average assets | 0.2190% | 4,433 |
| Noninterest expense to average assets | 1.8289% | 4,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7009% | 4,004 |
| Return on assets (ROA) | 0.7009% | 4,059 |
| Pretax return on assets | 0.8104% | 4,062 |
| Return on Equity (ROE) | 5.9278% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.9278% | 2,315 |
| Net charge-offs to loans | -0.1077% | 5,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2946% | 2,332 |
| Assets per employee ($millions) | 6.3093% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6700% | 73 |
| Loan loss allowance to noncurrent loans | 46.7577% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.5480% | 712 |
| Noncurrent loans to loans | 7.8489% | 43 |
| Net loans and leases to total assets | 18.9983% | 5,212 |
| Net loans and leases to deposits | 21.5329% | 5,215 |
| Net loans and leases to core deposits | 21.5329% | 5,216 |
| Total domestic deposits to total assets | 88.2291% | 993 |
| Equity capital to assets | 11.5702% | 2,555 |
| Core capital (leverage) ratio | 11.7338% | 1,999 |
| Tier 1 risk-based capital ratio | 35.3340% | 326 |
| Total risk-based capital ratio | 36.5924% | 323 |
| Memoranda: | ||
| Average total assets | $18,262,330 | 5,256 |
| Average earning assets | $17,197,000 | 5,243 |
| Average equity | $2,159,330 | 5,243 |
| Average total loans | $3,714,330 | 5,263 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0789% | 5,250 |
| Cost of funding earning assets | 0.4737% | 4,187 |
| Net interest margin | 2.6052% | 5,133 |
| Noninterest income to average assets | 0.2454% | 4,250 |
| Noninterest expense to average assets | 1.8294% | 4,888 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8031% | 3,608 |
| Return on assets (ROA) | 0.8031% | 3,652 |
| Pretax return on assets | 0.8701% | 3,861 |
| Return on Equity (ROE) | 6.7164% | 3,767 |
| Retained earnings to average equity (ytd only) | 6.7164% | 2,154 |
| Net charge-offs to loans | -0.1080% | 5,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7686% | 2,669 |
| Assets per employee ($millions) | 6.1907% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7517% | 71 |
| Loan loss allowance to noncurrent loans | 45.6376% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.6046% | 711 |
| Noncurrent loans to loans | 8.2207% | 40 |
| Net loans and leases to total assets | 18.7863% | 5,269 |
| Net loans and leases to deposits | 21.3108% | 5,274 |
| Net loans and leases to core deposits | 21.3108% | 5,277 |
| Total domestic deposits to total assets | 88.1542% | 1,257 |
| Equity capital to assets | 11.6412% | 2,280 |
| Core capital (leverage) ratio | 12.2140% | 1,650 |
| Tier 1 risk-based capital ratio | 33.8182% | 357 |
| Total risk-based capital ratio | 35.0696% | 352 |
| Memoranda: | ||
| Average total assets | $17,929,500 | 5,315 |
| Average earning assets | $16,889,000 | 5,301 |
| Average equity | $2,144,000 | 5,298 |
| Average total loans | $3,705,000 | 5,322 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0258% | 5,222 |
| Cost of funding earning assets | 0.4089% | 3,931 |
| Net interest margin | 2.6169% | 5,148 |
| Noninterest income to average assets | 0.3171% | 3,995 |
| Noninterest expense to average assets | 2.5126% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2572% | 5,052 |
| Return on assets (ROA) | 0.2572% | 5,048 |
| Pretax return on assets | 0.2931% | 5,051 |
| Return on Equity (ROE) | 2.0323% | 5,041 |
| Retained earnings to average equity (ytd only) | 2.0323% | 4,344 |
| Net charge-offs to loans | -0.0518% | 4,985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5522% | 366 |
| Assets per employee ($millions) | 5.7623% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5667% | 80 |
| Loan loss allowance to noncurrent loans | 43.1310% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.8106% | 570 |
| Noncurrent loans to loans | 8.2695% | 43 |
| Net loans and leases to total assets | 21.1141% | 5,300 |
| Net loans and leases to deposits | 24.1434% | 5,305 |
| Net loans and leases to core deposits | 24.1434% | 5,308 |
| Total domestic deposits to total assets | 87.4530% | 1,562 |
| Equity capital to assets | 12.2983% | 1,700 |
| Core capital (leverage) ratio | 12.2494% | 1,588 |
| Tier 1 risk-based capital ratio | 44.7108% | 178 |
| Total risk-based capital ratio | 45.9727% | 176 |
| Memoranda: | ||
| Average total assets | $16,716,000 | 5,368 |
| Average earning assets | $15,896,600 | 5,354 |
| Average equity | $2,115,800 | 5,346 |
| Average total loans | $3,864,400 | 5,368 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9970% | 5,289 |
| Cost of funding earning assets | 0.3872% | 3,956 |
| Net interest margin | 2.6097% | 5,215 |
| Noninterest income to average assets | 0.3459% | 3,832 |
| Noninterest expense to average assets | 2.1158% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5873% | 4,536 |
| Return on assets (ROA) | 0.5873% | 4,545 |
| Pretax return on assets | 0.7241% | 4,482 |
| Return on Equity (ROE) | 4.6057% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.6057% | 3,447 |
| Net charge-offs to loans | -0.0687% | 5,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5042% | 1,520 |
| Assets per employee ($millions) | 5.5277% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4065% | 91 |
| Loan loss allowance to noncurrent loans | 38.0282% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 2.1407% | 478 |
| Noncurrent loans to loans | 8.9579% | 39 |
| Net loans and leases to total assets | 23.0839% | 5,361 |
| Net loans and leases to deposits | 26.7374% | 5,370 |
| Net loans and leases to core deposits | 26.7374% | 5,372 |
| Total domestic deposits to total assets | 86.3354% | 2,042 |
| Equity capital to assets | 13.0013% | 1,339 |
| Core capital (leverage) ratio | 12.9125% | 1,320 |
| Tier 1 risk-based capital ratio | 44.1261% | 177 |
| Total risk-based capital ratio | 45.3541% | 175 |
| Memoranda: | ||
| Average total assets | $16,573,250 | 5,439 |
| Average earning assets | $15,837,750 | 5,425 |
| Average equity | $2,113,250 | 5,418 |
| Average total loans | $3,884,250 | 5,438 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9465% | 5,349 |
| Cost of funding earning assets | 0.3556% | 4,036 |
| Net interest margin | 2.5909% | 5,284 |
| Noninterest income to average assets | 0.3742% | 3,654 |
| Noninterest expense to average assets | 2.2812% | 4,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4466% | 4,866 |
| Return on assets (ROA) | 0.4466% | 4,871 |
| Pretax return on assets | 0.5552% | 4,807 |
| Return on Equity (ROE) | 3.5255% | 4,923 |
| Retained earnings to average equity (ytd only) | 3.5255% | 3,829 |
| Net charge-offs to loans | -0.1037% | 5,174 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4255% | 966 |
| Assets per employee ($millions) | 5.6260% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5156% | 81 |
| Loan loss allowance to noncurrent loans | 106.2992% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.7525% | 1,982 |
| Noncurrent loans to loans | 3.3073% | 316 |
| Net loans and leases to total assets | 21.9517% | 5,427 |
| Net loans and leases to deposits | 25.3195% | 5,434 |
| Net loans and leases to core deposits | 25.3195% | 5,439 |
| Total domestic deposits to total assets | 86.6987% | 1,975 |
| Equity capital to assets | 12.5548% | 1,504 |
| Core capital (leverage) ratio | 12.5712% | 1,398 |
| Tier 1 risk-based capital ratio | 44.4328% | 180 |
| Total risk-based capital ratio | 45.6909% | 178 |
| Memoranda: | ||
| Average total assets | $16,570,000 | 5,505 |
| Average earning assets | $15,747,670 | 5,490 |
| Average equity | $2,099,000 | 5,483 |
| Average total loans | $3,858,000 | 5,501 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9483% | 5,397 |
| Cost of funding earning assets | 0.3362% | 4,091 |
| Net interest margin | 2.6121% | 5,317 |
| Noninterest income to average assets | 0.2924% | 4,207 |
| Noninterest expense to average assets | 2.3392% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2924% | 5,109 |
| Return on assets (ROA) | 0.2924% | 5,111 |
| Pretax return on assets | 0.4142% | 5,018 |
| Return on Equity (ROE) | 2.2978% | 5,136 |
| Retained earnings to average equity (ytd only) | 2.2978% | 4,245 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9558% | 722 |
| Assets per employee ($millions) | 5.4297% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5391% | 86 |
| Loan loss allowance to noncurrent loans | 62.7358% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.3506% | 1,094 |
| Noncurrent loans to loans | 5.6413% | 113 |
| Net loans and leases to total assets | 22.2543% | 5,488 |
| Net loans and leases to deposits | 25.5967% | 5,492 |
| Net loans and leases to core deposits | 25.5967% | 5,499 |
| Total domestic deposits to total assets | 86.9421% | 2,150 |
| Equity capital to assets | 12.8614% | 1,314 |
| Core capital (leverage) ratio | 12.8017% | 1,251 |
| Tier 1 risk-based capital ratio | 43.3747% | 191 |
| Total risk-based capital ratio | 44.6377% | 186 |
| Memoranda: | ||
| Average total assets | $16,416,000 | 5,569 |
| Average earning assets | $15,466,500 | 5,555 |
| Average equity | $2,089,000 | 5,541 |
| Average total loans | $3,867,000 | 5,562 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8923% | 5,417 |
| Cost of funding earning assets | 0.2957% | 4,181 |
| Net interest margin | 2.5966% | 5,353 |
| Noninterest income to average assets | 0.2484% | 4,647 |
| Noninterest expense to average assets | 2.3385% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2726% | 4,982 |
| Return on assets (ROA) | 0.2726% | 4,997 |
| Pretax return on assets | 0.3574% | 5,144 |
| Return on Equity (ROE) | 2.1685% | 5,025 |
| Retained earnings to average equity (ytd only) | 2.1685% | 4,024 |
| Net charge-offs to loans | 0.1016% | 2,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 2,308 |
| Efficiency ratio | 86.7416% | 597 |
| Assets per employee ($millions) | 5.5143% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3451% | 97 |
| Loan loss allowance to noncurrent loans | 91.7241% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.9249% | 1,672 |
| Noncurrent loans to loans | 3.6469% | 273 |
| Net loans and leases to total assets | 23.2304% | 5,541 |
| Net loans and leases to deposits | 26.6302% | 5,551 |
| Net loans and leases to core deposits | 26.6302% | 5,558 |
| Total domestic deposits to total assets | 87.2333% | 1,884 |
| Equity capital to assets | 12.5914% | 1,463 |
| Core capital (leverage) ratio | 12.5210% | 1,347 |
| Tier 1 risk-based capital ratio | 40.0346% | 214 |
| Total risk-based capital ratio | 41.2839% | 213 |
| Memoranda: | ||
| Average total assets | $16,506,200 | 5,634 |
| Average earning assets | $15,558,800 | 5,618 |
| Average equity | $2,075,200 | 5,602 |
| Average total loans | $3,938,800 | 5,628 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8402% | 5,507 |
| Cost of funding earning assets | 0.2823% | 4,296 |
| Net interest margin | 2.5578% | 5,431 |
| Noninterest income to average assets | 0.2425% | 4,754 |
| Noninterest expense to average assets | 1.9963% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5738% | 4,485 |
| Return on assets (ROA) | 0.5738% | 4,531 |
| Pretax return on assets | 0.6627% | 4,695 |
| Return on Equity (ROE) | 4.5658% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.5658% | 3,172 |
| Net charge-offs to loans | -0.0338% | 5,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0760% | 1,730 |
| Assets per employee ($millions) | 5.3510% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3520% | 109 |
| Loan loss allowance to noncurrent loans | 63.5945% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.4016% | 1,108 |
| Noncurrent loans to loans | 5.2708% | 144 |
| Net loans and leases to total assets | 24.7866% | 5,593 |
| Net loans and leases to deposits | 28.5909% | 5,605 |
| Net loans and leases to core deposits | 28.5909% | 5,616 |
| Total domestic deposits to total assets | 86.6941% | 1,996 |
| Equity capital to assets | 13.1377% | 1,318 |
| Core capital (leverage) ratio | 13.1018% | 1,172 |
| Tier 1 risk-based capital ratio | 39.9886% | 225 |
| Total risk-based capital ratio | 41.2400% | 221 |
| Memoranda: | ||
| Average total assets | $16,497,000 | 5,700 |
| Average earning assets | $15,585,750 | 5,682 |
| Average equity | $2,073,250 | 5,667 |
| Average total loans | $3,929,500 | 5,692 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8284% | 5,546 |
| Cost of funding earning assets | 0.2816% | 4,271 |
| Net interest margin | 2.5469% | 5,471 |
| Noninterest income to average assets | 0.2043% | 5,025 |
| Noninterest expense to average assets | 2.0186% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4686% | 4,796 |
| Return on assets (ROA) | 0.4686% | 4,821 |
| Pretax return on assets | 0.5767% | 4,847 |
| Return on Equity (ROE) | 3.7840% | 4,882 |
| Retained earnings to average equity (ytd only) | 3.7840% | 3,434 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 1,494 |
| Assets per employee ($millions) | 5.4423% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4173% | 105 |
| Loan loss allowance to noncurrent loans | 61.9910% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.4026% | 1,126 |
| Noncurrent loans to loans | 5.5126% | 120 |
| Net loans and leases to total assets | 23.7153% | 5,652 |
| Net loans and leases to deposits | 27.2273% | 5,665 |
| Net loans and leases to core deposits | 27.2273% | 5,672 |
| Total domestic deposits to total assets | 87.1011% | 1,902 |
| Equity capital to assets | 12.7213% | 1,513 |
| Core capital (leverage) ratio | 12.6677% | 1,308 |
| Tier 1 risk-based capital ratio | 38.8079% | 229 |
| Total risk-based capital ratio | 40.0598% | 225 |
| Memoranda: | ||
| Average total assets | $16,645,000 | 5,745 |
| Average earning assets | $15,627,000 | 5,730 |
| Average equity | $2,061,330 | 5,716 |
| Average total loans | $3,867,000 | 5,742 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7644% | 5,615 |
| Cost of funding earning assets | 0.2560% | 4,487 |
| Net interest margin | 2.5084% | 5,541 |
| Noninterest income to average assets | 0.1904% | 5,135 |
| Noninterest expense to average assets | 1.6425% | 5,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7379% | 3,528 |
| Return on assets (ROA) | 0.7379% | 3,579 |
| Pretax return on assets | 0.8807% | 3,833 |
| Return on Equity (ROE) | 6.0385% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.0385% | 2,311 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0943% | 3,650 |
| Assets per employee ($millions) | 5.6077% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6788% | 103 |
| Loan loss allowance to noncurrent loans | 47.7352% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 1.7536% | 835 |
| Noncurrent loans to loans | 7.7068% | 66 |
| Net loans and leases to total assets | 21.3220% | 5,741 |
| Net loans and leases to deposits | 24.3632% | 5,743 |
| Net loans and leases to core deposits | 24.3632% | 5,746 |
| Total domestic deposits to total assets | 87.5171% | 1,979 |
| Equity capital to assets | 12.2986% | 1,661 |
| Core capital (leverage) ratio | 12.3877% | 1,400 |
| Tier 1 risk-based capital ratio | 39.1189% | 235 |
| Total risk-based capital ratio | 40.3668% | 232 |
| Memoranda: | ||
| Average total assets | $16,804,000 | 5,814 |
| Average earning assets | $15,627,500 | 5,800 |
| Average equity | $2,053,500 | 5,781 |
| Average total loans | $3,796,000 | 5,812 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8073% | 5,638 |
| Cost of funding earning assets | 0.2695% | 4,372 |
| Net interest margin | 2.5378% | 5,561 |
| Noninterest income to average assets | 0.2345% | 5,008 |
| Noninterest expense to average assets | 2.2926% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2404% | 5,333 |
| Return on assets (ROA) | 0.2404% | 5,407 |
| Pretax return on assets | 0.3166% | 5,344 |
| Return on Equity (ROE) | 2.0118% | 5,404 |
| Retained earnings to average equity (ytd only) | 2.0118% | 4,397 |
| Net charge-offs to loans | -0.1704% | 5,710 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8652% | 690 |
| Assets per employee ($millions) | 5.5950% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5419% | 108 |
| Loan loss allowance to noncurrent loans | 64.3192% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.3167% | 1,328 |
| Noncurrent loans to loans | 5.5067% | 128 |
| Net loans and leases to total assets | 22.2282% | 5,782 |
| Net loans and leases to deposits | 25.3534% | 5,791 |
| Net loans and leases to core deposits | 25.3534% | 5,799 |
| Total domestic deposits to total assets | 87.6735% | 1,801 |
| Equity capital to assets | 12.1418% | 1,710 |
| Core capital (leverage) ratio | 12.1693% | 1,497 |
| Tier 1 risk-based capital ratio | 36.1925% | 294 |
| Total risk-based capital ratio | 37.4534% | 288 |
| Memoranda: | ||
| Average total assets | $17,055,200 | 5,865 |
| Average earning assets | $15,958,400 | 5,851 |
| Average equity | $2,038,000 | 5,841 |
| Average total loans | $4,107,800 | 5,866 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7942% | 5,719 |
| Cost of funding earning assets | 0.2654% | 4,443 |
| Net interest margin | 2.5289% | 5,639 |
| Noninterest income to average assets | 0.2336% | 5,072 |
| Noninterest expense to average assets | 1.9000% | 5,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6307% | 4,163 |
| Return on assets (ROA) | 0.6307% | 4,285 |
| Pretax return on assets | 0.7086% | 4,590 |
| Return on Equity (ROE) | 5.2993% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.2993% | 2,626 |
| Net charge-offs to loans | -0.2239% | 5,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8358% | 2,457 |
| Assets per employee ($millions) | 5.3730% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1720% | 154 |
| Loan loss allowance to noncurrent loans | 60.3524% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 1.4579% | 1,250 |
| Noncurrent loans to loans | 5.2558% | 152 |
| Net loans and leases to total assets | 25.9445% | 5,798 |
| Net loans and leases to deposits | 29.8395% | 5,816 |
| Net loans and leases to core deposits | 29.8395% | 5,825 |
| Total domestic deposits to total assets | 86.9471% | 1,921 |
| Equity capital to assets | 12.8916% | 1,551 |
| Core capital (leverage) ratio | 12.6391% | 1,340 |
| Tier 1 risk-based capital ratio | 34.7201% | 340 |
| Total risk-based capital ratio | 35.9733% | 336 |
| Memoranda: | ||
| Average total assets | $17,122,750 | 5,929 |
| Average earning assets | $16,080,250 | 5,915 |
| Average equity | $2,038,000 | 5,904 |
| Average total loans | $4,167,750 | 5,932 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7590% | 5,821 |
| Cost of funding earning assets | 0.2710% | 4,430 |
| Net interest margin | 2.4880% | 5,753 |
| Noninterest income to average assets | 0.2291% | 5,114 |
| Noninterest expense to average assets | 1.9018% | 5,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5728% | 4,384 |
| Return on assets (ROA) | 0.5728% | 4,509 |
| Pretax return on assets | 0.6416% | 4,783 |
| Return on Equity (ROE) | 4.9391% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.9391% | 2,777 |
| Net charge-offs to loans | -0.0972% | 5,605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7748% | 2,249 |
| Assets per employee ($millions) | 5.5717% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2164% | 157 |
| Loan loss allowance to noncurrent loans | 65.6716% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.2504% | 1,638 |
| Noncurrent loans to loans | 4.8977% | 180 |
| Net loans and leases to total assets | 23.7631% | 5,898 |
| Net loans and leases to deposits | 27.1293% | 5,913 |
| Net loans and leases to core deposits | 27.1293% | 5,924 |
| Total domestic deposits to total assets | 87.5920% | 1,629 |
| Equity capital to assets | 12.2465% | 1,945 |
| Core capital (leverage) ratio | 12.1693% | 1,524 |
| Tier 1 risk-based capital ratio | 37.8653% | 267 |
| Total risk-based capital ratio | 39.1232% | 266 |
| Memoranda: | ||
| Average total assets | $17,457,330 | 6,001 |
| Average earning assets | $16,237,670 | 5,986 |
| Average equity | $2,024,670 | 5,980 |
| Average total loans | $4,117,330 | 6,008 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7517% | 5,879 |
| Cost of funding earning assets | 0.2679% | 4,526 |
| Net interest margin | 2.4839% | 5,819 |
| Noninterest income to average assets | 0.2019% | 5,292 |
| Noninterest expense to average assets | 1.6827% | 5,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7404% | 3,535 |
| Return on assets (ROA) | 0.7404% | 3,640 |
| Pretax return on assets | 0.8077% | 4,167 |
| Return on Equity (ROE) | 6.5557% | 3,698 |
| Retained earnings to average equity (ytd only) | 6.5557% | 2,106 |
| Net charge-offs to loans | -0.0970% | 5,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5676% | 3,533 |
| Assets per employee ($millions) | 5.6167% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1796% | 187 |
| Loan loss allowance to noncurrent loans | 68.2292% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.1869% | 1,847 |
| Noncurrent loans to loans | 4.6602% | 228 |
| Net loans and leases to total assets | 23.6736% | 5,947 |
| Net loans and leases to deposits | 27.4064% | 5,958 |
| Net loans and leases to core deposits | 27.4064% | 5,969 |
| Total domestic deposits to total assets | 86.3798% | 2,502 |
| Equity capital to assets | 12.0475% | 1,997 |
| Core capital (leverage) ratio | 10.8053% | 2,618 |
| Tier 1 risk-based capital ratio | 40.8780% | 221 |
| Total risk-based capital ratio | 42.1466% | 219 |
| Memoranda: | ||
| Average total assets | $17,828,500 | 6,060 |
| Average earning assets | $16,426,000 | 6,046 |
| Average equity | $2,013,500 | 6,041 |
| Average total loans | $4,124,000 | 6,071 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7765% | 5,897 |
| Cost of funding earning assets | 0.2801% | 4,483 |
| Net interest margin | 2.4964% | 5,829 |
| Noninterest income to average assets | 0.2631% | 5,005 |
| Noninterest expense to average assets | 2.2388% | 4,950 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2575% | 5,467 |
| Return on assets (ROA) | 0.2575% | 5,539 |
| Pretax return on assets | 0.3190% | 5,480 |
| Return on Equity (ROE) | 2.3137% | 5,498 |
| Retained earnings to average equity (ytd only) | 2.3137% | 4,414 |
| Net charge-offs to loans | 0.0240% | 3,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 902 |
| Efficiency ratio | 87.5274% | 866 |
| Assets per employee ($millions) | 6.2690% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1492% | 189 |
| Loan loss allowance to noncurrent loans | 71.8232% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.0049% | 2,187 |
| Noncurrent loans to loans | 4.3847% | 249 |
| Net loans and leases to total assets | 21.2580% | 6,035 |
| Net loans and leases to deposits | 23.8331% | 6,052 |
| Net loans and leases to core deposits | 23.8331% | 6,063 |
| Total domestic deposits to total assets | 89.1955% | 1,025 |
| Equity capital to assets | 10.6184% | 3,221 |
| Core capital (leverage) ratio | 10.7406% | 2,669 |
| Tier 1 risk-based capital ratio | 40.9977% | 216 |
| Total risk-based capital ratio | 42.2501% | 212 |
| Memoranda: | ||
| Average total assets | $17,866,400 | 6,117 |
| Average earning assets | $16,423,800 | 6,102 |
| Average equity | $1,988,200 | 6,099 |
| Average total loans | $4,163,000 | 6,128 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7423% | 5,999 |
| Cost of funding earning assets | 0.2840% | 4,516 |
| Net interest margin | 2.4583% | 5,938 |
| Noninterest income to average assets | 0.2798% | 4,943 |
| Noninterest expense to average assets | 1.9586% | 5,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5293% | 4,680 |
| Return on assets (ROA) | 0.5293% | 4,776 |
| Pretax return on assets | 0.6125% | 4,946 |
| Return on Equity (ROE) | 4.6994% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.6994% | 3,126 |
| Net charge-offs to loans | 0.0319% | 3,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 81.2030% | 734 |
| Efficiency ratio | 76.1765% | 2,220 |
| Assets per employee ($millions) | 5.7200% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9586% | 256 |
| Loan loss allowance to noncurrent loans | 72.2222% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.0956% | 2,164 |
| Noncurrent loans to loans | 4.0965% | 304 |
| Net loans and leases to total assets | 24.8485% | 6,077 |
| Net loans and leases to deposits | 28.2328% | 6,101 |
| Net loans and leases to core deposits | 28.2328% | 6,112 |
| Total domestic deposits to total assets | 88.0128% | 1,544 |
| Equity capital to assets | 11.7774% | 2,283 |
| Core capital (leverage) ratio | 11.3693% | 2,132 |
| Tier 1 risk-based capital ratio | 43.8871% | 199 |
| Total risk-based capital ratio | 45.1466% | 192 |
| Memoranda: | ||
| Average total assets | $17,631,250 | 6,205 |
| Average earning assets | $16,433,750 | 6,188 |
| Average equity | $1,986,000 | 6,184 |
| Average total loans | $4,171,750 | 6,211 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7160% | 6,071 |
| Cost of funding earning assets | 0.2814% | 4,599 |
| Net interest margin | 2.4346% | 6,020 |
| Noninterest income to average assets | 0.2136% | 5,416 |
| Noninterest expense to average assets | 1.8551% | 5,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4947% | 4,794 |
| Return on assets (ROA) | 0.4947% | 4,898 |
| Pretax return on assets | 0.5959% | 4,983 |
| Return on Equity (ROE) | 4.4572% | 4,833 |
| Retained earnings to average equity (ytd only) | 4.4572% | 3,173 |
| Net charge-offs to loans | 0.0976% | 2,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,481 |
| Efficiency ratio | 75.6881% | 2,413 |
| Assets per employee ($millions) | 5.9243% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0460% | 257 |
| Loan loss allowance to noncurrent loans | 65.1515% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.1591% | 2,190 |
| Noncurrent loans to loans | 4.6753% | 279 |
| Net loans and leases to total assets | 23.1025% | 6,174 |
| Net loans and leases to deposits | 26.0831% | 6,200 |
| Net loans and leases to core deposits | 26.0831% | 6,203 |
| Total domestic deposits to total assets | 88.5726% | 1,375 |
| Equity capital to assets | 11.2249% | 2,646 |
| Core capital (leverage) ratio | 11.0178% | 2,403 |
| Tier 1 risk-based capital ratio | 34.0851% | 391 |
| Total risk-based capital ratio | 35.3494% | 388 |
| Memoranda: | ||
| Average total assets | $17,788,330 | 6,281 |
| Average earning assets | $16,347,330 | 6,264 |
| Average equity | $1,974,330 | 6,258 |
| Average total loans | $4,097,670 | 6,287 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6464% | 6,153 |
| Cost of funding earning assets | 0.2914% | 4,539 |
| Net interest margin | 2.3551% | 6,122 |
| Noninterest income to average assets | 0.2248% | 5,346 |
| Noninterest expense to average assets | 1.7082% | 6,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5844% | 4,344 |
| Return on assets (ROA) | 0.5844% | 4,446 |
| Pretax return on assets | 0.6968% | 4,602 |
| Return on Equity (ROE) | 5.2953% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.2953% | 2,892 |
| Net charge-offs to loans | -0.0993% | 5,855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0280% | 3,315 |
| Assets per employee ($millions) | 6.0620% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3613% | 206 |
| Loan loss allowance to noncurrent loans | 53.8776% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 1.3912% | 1,909 |
| Noncurrent loans to loans | 6.2389% | 168 |
| Net loans and leases to total assets | 20.8677% | 6,260 |
| Net loans and leases to deposits | 23.4592% | 6,278 |
| Net loans and leases to core deposits | 23.4592% | 6,282 |
| Total domestic deposits to total assets | 88.9530% | 1,302 |
| Equity capital to assets | 10.8710% | 3,117 |
| Core capital (leverage) ratio | 10.8926% | 2,524 |
| Tier 1 risk-based capital ratio | 46.6494% | 174 |
| Total risk-based capital ratio | 46.6494% | 184 |
| Memoranda: | ||
| Average total assets | $17,796,000 | 6,345 |
| Average earning assets | $16,475,000 | 6,328 |
| Average equity | $1,964,000 | 6,321 |
| Average total loans | $4,029,000 | 6,357 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7067% | 6,259 |
| Cost of funding earning assets | 0.2931% | 4,862 |
| Net interest margin | 2.4136% | 6,220 |
| Noninterest income to average assets | 0.2282% | 5,489 |
| Noninterest expense to average assets | 2.1334% | 5,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2510% | 5,658 |
| Return on assets (ROA) | 0.2510% | 5,715 |
| Pretax return on assets | 0.3023% | 5,697 |
| Return on Equity (ROE) | 2.2648% | 5,699 |
| Retained earnings to average equity (ytd only) | 2.2648% | 4,626 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5878% | 1,027 |
| Assets per employee ($millions) | 5.8020% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1711% | 248 |
| Loan loss allowance to noncurrent loans | 41.4557% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 1.8614% | 1,389 |
| Noncurrent loans to loans | 7.6495% | 123 |
| Net loans and leases to total assets | 22.9806% | 6,333 |
| Net loans and leases to deposits | 25.9269% | 6,349 |
| Net loans and leases to core deposits | 25.9269% | 6,357 |
| Total domestic deposits to total assets | 88.6361% | 1,450 |
| Equity capital to assets | 11.2088% | 2,685 |
| Core capital (leverage) ratio | 10.9037% | 2,491 |
| Tier 1 risk-based capital ratio | 21.1491% | 1,375 |
| Total risk-based capital ratio | 22.3957% | 1,346 |
| Memoranda: | ||
| Average total assets | $17,530,600 | 6,437 |
| Average earning assets | $16,034,400 | 6,421 |
| Average equity | $1,942,800 | 6,412 |
| Average total loans | $4,231,400 | 6,448 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6846% | 6,339 |
| Cost of funding earning assets | 0.2918% | 4,971 |
| Net interest margin | 2.3928% | 6,302 |
| Noninterest income to average assets | 0.2278% | 5,566 |
| Noninterest expense to average assets | 1.8069% | 6,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5162% | 4,819 |
| Return on assets (ROA) | 0.5162% | 4,880 |
| Pretax return on assets | 0.5998% | 5,027 |
| Return on Equity (ROE) | 4.6714% | 4,869 |
| Retained earnings to average equity (ytd only) | 4.6714% | 3,306 |
| Net charge-offs to loans | -0.0627% | 5,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0789% | 2,651 |
| Assets per employee ($millions) | 5.8487% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0554% | 343 |
| Loan loss allowance to noncurrent loans | 51.1538% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 1.4818% | 2,077 |
| Noncurrent loans to loans | 5.9729% | 237 |
| Net loans and leases to total assets | 24.0511% | 6,385 |
| Net loans and leases to deposits | 27.1557% | 6,407 |
| Net loans and leases to core deposits | 27.1557% | 6,421 |
| Total domestic deposits to total assets | 88.5672% | 1,466 |
| Equity capital to assets | 11.2561% | 2,699 |
| Core capital (leverage) ratio | 11.1532% | 2,350 |
| Tier 1 risk-based capital ratio | 21.3007% | 1,392 |
| Total risk-based capital ratio | 22.5518% | 1,365 |
| Memoranda: | ||
| Average total assets | $17,561,750 | 6,518 |
| Average earning assets | $15,992,250 | 6,502 |
| Average equity | $1,940,750 | 6,487 |
| Average total loans | $4,256,500 | 6,526 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6785% | 6,406 |
| Cost of funding earning assets | 0.2920% | 5,048 |
| Net interest margin | 2.3865% | 6,367 |
| Noninterest income to average assets | 0.2277% | 5,577 |
| Noninterest expense to average assets | 1.7874% | 6,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4782% | 4,899 |
| Return on assets (ROA) | 0.4782% | 4,968 |
| Pretax return on assets | 0.5806% | 5,016 |
| Return on Equity (ROE) | 4.3538% | 4,996 |
| Retained earnings to average equity (ytd only) | 4.3538% | 3,403 |
| Net charge-offs to loans | -0.0473% | 5,848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4808% | 2,727 |
| Assets per employee ($millions) | 5.9907% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0870% | 348 |
| Loan loss allowance to noncurrent loans | 52.3810% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 1.4022% | 2,335 |
| Noncurrent loans to loans | 5.8934% | 277 |
| Net loans and leases to total assets | 23.0581% | 6,471 |
| Net loans and leases to deposits | 25.9130% | 6,493 |
| Net loans and leases to core deposits | 25.9130% | 6,493 |
| Total domestic deposits to total assets | 88.9829% | 1,365 |
| Equity capital to assets | 10.8446% | 3,031 |
| Core capital (leverage) ratio | 10.8062% | 2,615 |
| Tier 1 risk-based capital ratio | 22.3663% | 1,211 |
| Total risk-based capital ratio | 23.6172% | 1,187 |
| Memoranda: | ||
| Average total assets | $17,567,000 | 6,584 |
| Average earning assets | $15,755,000 | 6,571 |
| Average equity | $1,929,330 | 6,548 |
| Average total loans | $4,224,330 | 6,591 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6738% | 6,482 |
| Cost of funding earning assets | 0.3085% | 4,984 |
| Net interest margin | 2.3653% | 6,440 |
| Noninterest income to average assets | 0.2534% | 5,341 |
| Noninterest expense to average assets | 1.7046% | 6,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5759% | 4,317 |
| Return on assets (ROA) | 0.5759% | 4,387 |
| Pretax return on assets | 0.6680% | 4,604 |
| Return on Equity (ROE) | 5.2097% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.2097% | 2,990 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8447% | 3,518 |
| Assets per employee ($millions) | 6.0647% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2037% | 355 |
| Loan loss allowance to noncurrent loans | 53.9095% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 1.3356% | 2,649 |
| Noncurrent loans to loans | 5.9428% | 307 |
| Net loans and leases to total assets | 21.7544% | 6,546 |
| Net loans and leases to deposits | 24.3839% | 6,572 |
| Net loans and leases to core deposits | 24.3839% | 6,576 |
| Total domestic deposits to total assets | 89.2162% | 1,520 |
| Equity capital to assets | 10.6189% | 3,116 |
| Core capital (leverage) ratio | 11.0362% | 2,350 |
| Tier 1 risk-based capital ratio | 23.2996% | 1,100 |
| Total risk-based capital ratio | 24.5538% | 1,082 |
| Memoranda: | ||
| Average total assets | $17,364,500 | 6,659 |
| Average earning assets | $15,558,500 | 6,645 |
| Average equity | $1,919,500 | 6,611 |
| Average total loans | $4,198,500 | 6,662 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7297% | 6,529 |
| Cost of funding earning assets | 0.2915% | 5,663 |
| Net interest margin | 2.4382% | 6,419 |
| Noninterest income to average assets | 0.3073% | 5,136 |
| Noninterest expense to average assets | 2.2189% | 5,581 |
| Loan and lease loss provision to assets | 0.0246% | 4,633 |
| Net operating income to assets | 0.2459% | 5,701 |
| Return on assets (ROA) | 0.2459% | 5,769 |
| Pretax return on assets | 0.3258% | 5,659 |
| Return on Equity (ROE) | 2.0753% | 5,816 |
| Retained earnings to average equity (ytd only) | 2.0753% | 4,760 |
| Net charge-offs to loans | -0.0922% | 6,460 |
| Credit loss provision to net charge-offs | -100.0000% | 5,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3636% | 1,381 |
| Assets per employee ($millions) | 5.5117% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0409% | 447 |
| Loan loss allowance to noncurrent loans | 48.8806% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 1.6208% | 2,288 |
| Noncurrent loans to loans | 6.2210% | 318 |
| Net loans and leases to total assets | 25.2616% | 6,583 |
| Net loans and leases to deposits | 28.6057% | 6,607 |
| Net loans and leases to core deposits | 28.6057% | 6,617 |
| Total domestic deposits to total assets | 88.3096% | 2,000 |
| Equity capital to assets | 11.5331% | 2,139 |
| Core capital (leverage) ratio | 11.6224% | 1,881 |
| Tier 1 risk-based capital ratio | 23.9693% | 959 |
| Total risk-based capital ratio | 25.2262% | 949 |
| Memoranda: | ||
| Average total assets | $16,269,200 | 6,750 |
| Average earning assets | $15,093,000 | 6,736 |
| Average equity | $1,927,400 | 6,698 |
| Average total loans | $4,338,800 | 6,746 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7193% | 6,616 |
| Cost of funding earning assets | 0.2933% | 5,785 |
| Net interest margin | 2.4261% | 6,493 |
| Noninterest income to average assets | 0.2962% | 5,325 |
| Noninterest expense to average assets | 1.2673% | 6,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1273% | 1,896 |
| Return on assets (ROA) | 1.1273% | 1,964 |
| Pretax return on assets | 1.2755% | 2,428 |
| Return on Equity (ROE) | 9.4520% | 2,421 |
| Retained earnings to average equity (ytd only) | 9.4520% | 921 |
| Net charge-offs to loans | -0.2147% | 6,664 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8382% | 6,407 |
| Assets per employee ($millions) | 5.3123% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9626% | 571 |
| Loan loss allowance to noncurrent loans | 58.2960% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.3993% | 2,860 |
| Noncurrent loans to loans | 5.0820% | 581 |
| Net loans and leases to total assets | 26.7177% | 6,636 |
| Net loans and leases to deposits | 30.6353% | 6,655 |
| Net loans and leases to core deposits | 30.6353% | 6,676 |
| Total domestic deposits to total assets | 87.2121% | 2,559 |
| Equity capital to assets | 12.5745% | 1,541 |
| Core capital (leverage) ratio | 12.4148% | 1,463 |
| Tier 1 risk-based capital ratio | 33.0639% | 395 |
| Total risk-based capital ratio | 34.3178% | 389 |
| Memoranda: | ||
| Average total assets | $16,202,750 | 6,826 |
| Average earning assets | $15,003,250 | 6,813 |
| Average equity | $1,932,500 | 6,777 |
| Average total loans | $4,346,500 | 6,822 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6728% | 6,671 |
| Cost of funding earning assets | 0.2940% | 5,875 |
| Net interest margin | 2.3788% | 6,569 |
| Noninterest income to average assets | 0.2946% | 5,344 |
| Noninterest expense to average assets | 1.3136% | 6,780 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9821% | 2,402 |
| Return on assets (ROA) | 0.9821% | 2,553 |
| Pretax return on assets | 1.1663% | 2,822 |
| Return on Equity (ROE) | 8.3828% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.3828% | 1,341 |
| Net charge-offs to loans | -0.1846% | 6,643 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9703% | 6,222 |
| Assets per employee ($millions) | 5.4597% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9473% | 618 |
| Loan loss allowance to noncurrent loans | 60.1896% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 1.2882% | 3,193 |
| Noncurrent loans to loans | 4.8967% | 677 |
| Net loans and leases to total assets | 25.5327% | 6,691 |
| Net loans and leases to deposits | 29.0437% | 6,723 |
| Net loans and leases to core deposits | 29.0437% | 6,735 |
| Total domestic deposits to total assets | 87.9113% | 2,309 |
| Equity capital to assets | 11.8872% | 1,984 |
| Core capital (leverage) ratio | 11.9698% | 1,633 |
| Tier 1 risk-based capital ratio | 31.7515% | 447 |
| Total risk-based capital ratio | 33.0072% | 439 |
| Memoranda: | ||
| Average total assets | $16,291,330 | 6,874 |
| Average earning assets | $14,965,330 | 6,866 |
| Average equity | $1,908,670 | 6,830 |
| Average total loans | $4,332,670 | 6,869 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7952% | 6,679 |
| Cost of funding earning assets | 0.2985% | 5,973 |
| Net interest margin | 2.4967% | 6,514 |
| Noninterest income to average assets | 0.2708% | 5,517 |
| Noninterest expense to average assets | 1.1817% | 6,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1325% | 1,736 |
| Return on assets (ROA) | 1.1325% | 1,855 |
| Pretax return on assets | 1.3541% | 2,025 |
| Return on Equity (ROE) | 9.7380% | 2,167 |
| Retained earnings to average equity (ytd only) | 9.7380% | 1,171 |
| Net charge-offs to loans | -0.1841% | 6,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6019% | 6,671 |
| Assets per employee ($millions) | 5.5327% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9419% | 699 |
| Loan loss allowance to noncurrent loans | 61.2745% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.2291% | 3,510 |
| Noncurrent loans to loans | 4.8011% | 817 |
| Net loans and leases to total assets | 24.8464% | 6,753 |
| Net loans and leases to deposits | 28.1463% | 6,781 |
| Net loans and leases to core deposits | 28.1463% | 6,794 |
| Total domestic deposits to total assets | 88.2757% | 2,146 |
| Equity capital to assets | 11.5195% | 2,393 |
| Core capital (leverage) ratio | 11.9016% | 1,619 |
| Tier 1 risk-based capital ratio | 26.4454% | 750 |
| Total risk-based capital ratio | 27.7040% | 739 |
| Memoranda: | ||
| Average total assets | $16,247,500 | 6,950 |
| Average earning assets | $14,739,500 | 6,944 |
| Average equity | $1,889,500 | 6,893 |
| Average total loans | $4,344,500 | 6,943 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1333% | 6,702 |
| Cost of funding earning assets | 0.3934% | 5,964 |
| Net interest margin | 2.7398% | 6,467 |
| Noninterest income to average assets | 0.3449% | 5,000 |
| Noninterest expense to average assets | 2.5767% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2277% | 5,706 |
| Return on assets (ROA) | 0.2277% | 5,904 |
| Pretax return on assets | 0.2603% | 5,900 |
| Return on Equity (ROE) | 1.8513% | 5,945 |
| Retained earnings to average equity (ytd only) | 1.8513% | 4,916 |
| Net charge-offs to loans | -0.2668% | 6,964 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8257% | 1,001 |
| Assets per employee ($millions) | 5.2990% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7703% | 849 |
| Loan loss allowance to noncurrent loans | 52.5641% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 1.4720% | 3,175 |
| Noncurrent loans to loans | 5.2703% | 726 |
| Net loans and leases to total assets | 27.1561% | 6,781 |
| Net loans and leases to deposits | 30.8291% | 6,811 |
| Net loans and leases to core deposits | 30.8291% | 6,831 |
| Total domestic deposits to total assets | 88.0858% | 2,183 |
| Equity capital to assets | 11.7444% | 2,231 |
| Core capital (leverage) ratio | 11.8322% | 1,649 |
| Tier 1 risk-based capital ratio | 26.3403% | 739 |
| Total risk-based capital ratio | 27.5959% | 732 |
| Memoranda: | ||
| Average total assets | $15,368,400 | 7,022 |
| Average earning assets | $13,979,000 | 7,011 |
| Average equity | $1,890,600 | 6,968 |
| Average total loans | $4,122,400 | 7,018 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1909% | 6,800 |
| Cost of funding earning assets | 0.4158% | 6,020 |
| Net interest margin | 2.7751% | 6,538 |
| Noninterest income to average assets | 0.3413% | 5,078 |
| Noninterest expense to average assets | 1.4439% | 6,966 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1726% | 1,824 |
| Return on assets (ROA) | 1.1726% | 2,015 |
| Pretax return on assets | 1.4089% | 2,202 |
| Return on Equity (ROE) | 9.4205% | 2,630 |
| Retained earnings to average equity (ytd only) | 9.4205% | 1,090 |
| Net charge-offs to loans | -0.2968% | 7,048 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6135% | 6,541 |
| Assets per employee ($millions) | 4.9320% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7822% | 899 |
| Loan loss allowance to noncurrent loans | 48.0159% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 1.7032% | 3,038 |
| Noncurrent loans to loans | 5.7944% | 722 |
| Net loans and leases to total assets | 28.5753% | 6,860 |
| Net loans and leases to deposits | 33.0907% | 6,885 |
| Net loans and leases to core deposits | 33.0907% | 6,914 |
| Total domestic deposits to total assets | 86.3544% | 3,059 |
| Equity capital to assets | 13.2874% | 1,446 |
| Core capital (leverage) ratio | 13.0078% | 1,192 |
| Tier 1 risk-based capital ratio | 28.3735% | 623 |
| Total risk-based capital ratio | 29.6291% | 608 |
| Memoranda: | ||
| Average total assets | $15,236,250 | 7,119 |
| Average earning assets | $13,789,000 | 7,108 |
| Average equity | $1,896,500 | 7,058 |
| Average total loans | $4,043,000 | 7,113 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2390% | 6,850 |
| Cost of funding earning assets | 0.4397% | 6,036 |
| Net interest margin | 2.7993% | 6,576 |
| Noninterest income to average assets | 0.3380% | 5,125 |
| Noninterest expense to average assets | 1.5342% | 6,985 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0271% | 2,351 |
| Return on assets (ROA) | 1.0271% | 2,571 |
| Pretax return on assets | 1.2871% | 2,607 |
| Return on Equity (ROE) | 8.4342% | 3,053 |
| Retained earnings to average equity (ytd only) | 8.4342% | 1,471 |
| Net charge-offs to loans | -0.4060% | 7,106 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3779% | 6,283 |
| Assets per employee ($millions) | 5.0973% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9318% | 839 |
| Loan loss allowance to noncurrent loans | 54.2986% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 1.4452% | 3,541 |
| Noncurrent loans to loans | 5.3995% | 865 |
| Net loans and leases to total assets | 25.9809% | 6,981 |
| Net loans and leases to deposits | 29.7982% | 7,013 |
| Net loans and leases to core deposits | 29.7982% | 7,029 |
| Total domestic deposits to total assets | 87.1894% | 2,659 |
| Equity capital to assets | 12.4967% | 1,818 |
| Core capital (leverage) ratio | 11.8167% | 1,712 |
| Tier 1 risk-based capital ratio | 27.7198% | 667 |
| Total risk-based capital ratio | 28.9817% | 649 |
| Memoranda: | ||
| Average total assets | $15,383,000 | 7,177 |
| Average earning assets | $13,646,330 | 7,169 |
| Average equity | $1,873,330 | 7,110 |
| Average total loans | $3,941,000 | 7,175 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3211% | 6,883 |
| Cost of funding earning assets | 0.4831% | 5,921 |
| Net interest margin | 2.8381% | 6,578 |
| Noninterest income to average assets | 0.3111% | 5,395 |
| Noninterest expense to average assets | 1.3482% | 7,150 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1667% | 1,838 |
| Return on assets (ROA) | 1.1667% | 2,017 |
| Pretax return on assets | 1.4000% | 2,187 |
| Return on Equity (ROE) | 9.7061% | 2,513 |
| Retained earnings to average equity (ytd only) | 9.7061% | 1,351 |
| Net charge-offs to loans | -0.9314% | 7,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0566% | 6,736 |
| Assets per employee ($millions) | 5.4983% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1884% | 692 |
| Loan loss allowance to noncurrent loans | 53.7778% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 1.3640% | 3,839 |
| Noncurrent loans to loans | 5.9289% | 848 |
| Net loans and leases to total assets | 22.2734% | 7,110 |
| Net loans and leases to deposits | 25.2110% | 7,129 |
| Net loans and leases to core deposits | 25.2110% | 7,142 |
| Total domestic deposits to total assets | 88.3480% | 2,098 |
| Equity capital to assets | 11.3792% | 2,544 |
| Core capital (leverage) ratio | 12.3341% | 1,417 |
| Tier 1 risk-based capital ratio | 29.0918% | 565 |
| Total risk-based capital ratio | 30.3472% | 558 |
| Memoranda: | ||
| Average total assets | $15,428,500 | 7,236 |
| Average earning assets | $13,248,500 | 7,238 |
| Average equity | $1,854,500 | 7,169 |
| Average total loans | $3,865,000 | 7,236 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5620% | 6,959 |
| Cost of funding earning assets | 0.5397% | 6,387 |
| Net interest margin | 3.0223% | 6,496 |
| Noninterest income to average assets | 0.3825% | 4,768 |
| Noninterest expense to average assets | 2.5908% | 5,130 |
| Loan and lease loss provision to assets | 0.2887% | 3,357 |
| Net operating income to assets | 0.2598% | 5,400 |
| Return on assets (ROA) | 0.2598% | 5,545 |
| Pretax return on assets | 0.3320% | 5,469 |
| Return on Equity (ROE) | 1.9367% | 5,687 |
| Retained earnings to average equity (ytd only) | 1.9367% | 4,832 |
| Net charge-offs to loans | 1.3191% | 1,249 |
| Credit loss provision to net charge-offs | 76.9231% | 4,599 |
| Earnings coverage of net charge-offs (x) | 1.6538% | 4,529 |
| Efficiency ratio | 80.6742% | 2,207 |
| Assets per employee ($millions) | 4.7873% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8463% | 932 |
| Loan loss allowance to noncurrent loans | 37.3333% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 2.0888% | 2,857 |
| Noncurrent loans to loans | 7.6239% | 543 |
| Net loans and leases to total assets | 26.6189% | 7,105 |
| Net loans and leases to deposits | 30.5864% | 7,122 |
| Net loans and leases to core deposits | 30.5864% | 7,144 |
| Total domestic deposits to total assets | 87.0283% | 2,743 |
| Equity capital to assets | 12.7559% | 1,623 |
| Core capital (leverage) ratio | 12.1695% | 1,509 |
| Tier 1 risk-based capital ratio | 30.1167% | 514 |
| Total risk-based capital ratio | 31.3661% | 503 |
| Memoranda: | ||
| Average total assets | $13,856,600 | 7,303 |
| Average earning assets | $12,970,400 | 7,283 |
| Average equity | $1,858,800 | 7,229 |
| Average total loans | $3,942,000 | 7,287 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5774% | 7,045 |
| Cost of funding earning assets | 0.5567% | 6,490 |
| Net interest margin | 3.0206% | 6,545 |
| Noninterest income to average assets | 0.3787% | 4,824 |
| Noninterest expense to average assets | 1.5925% | 7,174 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4566% | 1,035 |
| Return on assets (ROA) | 1.4566% | 1,109 |
| Pretax return on assets | 1.6314% | 1,300 |
| Return on Equity (ROE) | 10.7210% | 1,951 |
| Retained earnings to average equity (ytd only) | 10.7210% | 676 |
| Net charge-offs to loans | -0.3380% | 7,316 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3976% | 6,858 |
| Assets per employee ($millions) | 4.5277% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2508% | 686 |
| Loan loss allowance to noncurrent loans | 36.7123% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 2.6872% | 2,409 |
| Noncurrent loans to loans | 8.8549% | 453 |
| Net loans and leases to total assets | 29.3602% | 7,105 |
| Net loans and leases to deposits | 34.6241% | 7,110 |
| Net loans and leases to core deposits | 34.6241% | 7,152 |
| Total domestic deposits to total assets | 84.7972% | 3,869 |
| Equity capital to assets | 14.3194% | 1,051 |
| Core capital (leverage) ratio | 13.8720% | 931 |
| Tier 1 risk-based capital ratio | 33.4192% | 406 |
| Total risk-based capital ratio | 34.6907% | 394 |
| Memoranda: | ||
| Average total assets | $13,730,250 | 7,379 |
| Average earning assets | $12,933,000 | 7,360 |
| Average equity | $1,865,500 | 7,304 |
| Average total loans | $3,943,750 | 7,360 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 7,120 |
| Cost of funding earning assets | 0.5714% | 6,580 |
| Net interest margin | 2.9960% | 6,619 |
| Noninterest income to average assets | 0.3483% | 5,097 |
| Noninterest expense to average assets | 1.7563% | 7,125 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2773% | 1,375 |
| Return on assets (ROA) | 1.2773% | 1,442 |
| Pretax return on assets | 1.4079% | 1,777 |
| Return on Equity (ROE) | 9.5704% | 2,285 |
| Retained earnings to average equity (ytd only) | 9.5704% | 945 |
| Net charge-offs to loans | 0.3604% | 3,115 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 13.8571% | 1,515 |
| Efficiency ratio | 55.5046% | 6,459 |
| Assets per employee ($millions) | 4.5757% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9309% | 952 |
| Loan loss allowance to noncurrent loans | 27.7251% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 3.0742% | 2,184 |
| Noncurrent loans to loans | 10.5711% | 346 |
| Net loans and leases to total assets | 28.2290% | 7,234 |
| Net loans and leases to deposits | 32.8195% | 7,254 |
| Net loans and leases to core deposits | 32.8195% | 7,283 |
| Total domestic deposits to total assets | 86.0130% | 3,320 |
| Equity capital to assets | 13.7248% | 1,196 |
| Core capital (leverage) ratio | 13.2929% | 1,063 |
| Tier 1 risk-based capital ratio | 32.1118% | 449 |
| Total risk-based capital ratio | 33.3731% | 441 |
| Memoranda: | ||
| Average total assets | $13,779,330 | 7,453 |
| Average earning assets | $12,950,670 | 7,433 |
| Average equity | $1,839,000 | 7,376 |
| Average total loans | $3,884,330 | 7,437 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5197% | 7,200 |
| Cost of funding earning assets | 0.5918% | 6,636 |
| Net interest margin | 2.9279% | 6,710 |
| Noninterest income to average assets | 0.3477% | 5,127 |
| Noninterest expense to average assets | 1.6225% | 7,288 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1879% | 1,554 |
| Return on assets (ROA) | 1.1879% | 1,602 |
| Pretax return on assets | 1.4487% | 1,603 |
| Return on Equity (ROE) | 9.0284% | 2,464 |
| Retained earnings to average equity (ytd only) | 9.0284% | 1,370 |
| Net charge-offs to loans | 1.0443% | 1,308 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,351 |
| Efficiency ratio | 52.8302% | 6,795 |
| Assets per employee ($millions) | 4.7497% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9843% | 931 |
| Loan loss allowance to noncurrent loans | 33.5294% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 2.3861% | 2,852 |
| Noncurrent loans to loans | 8.9005% | 512 |
| Net loans and leases to total assets | 26.0088% | 7,342 |
| Net loans and leases to deposits | 29.9572% | 7,354 |
| Net loans and leases to core deposits | 29.9572% | 7,376 |
| Total domestic deposits to total assets | 86.8201% | 3,038 |
| Equity capital to assets | 12.8921% | 1,431 |
| Core capital (leverage) ratio | 13.1299% | 1,082 |
| Tier 1 risk-based capital ratio | 30.9676% | 478 |
| Total risk-based capital ratio | 32.2320% | 466 |
| Memoranda: | ||
| Average total assets | $13,805,500 | 7,510 |
| Average earning assets | $12,842,000 | 7,491 |
| Average equity | $1,816,500 | 7,431 |
| Average total loans | $3,830,500 | 7,495 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 7,301 |
| Cost of funding earning assets | 0.7756% | 6,660 |
| Net interest margin | 2.9311% | 6,852 |
| Noninterest income to average assets | 0.3606% | 5,223 |
| Noninterest expense to average assets | 2.6517% | 5,205 |
| Loan and lease loss provision to assets | 0.1127% | 6,031 |
| Net operating income to assets | 0.2479% | 5,113 |
| Return on assets (ROA) | 0.2479% | 5,269 |
| Pretax return on assets | 0.2930% | 5,247 |
| Return on Equity (ROE) | 1.8218% | 5,460 |
| Retained earnings to average equity (ytd only) | 1.8218% | 4,589 |
| Net charge-offs to loans | 0.2560% | 4,754 |
| Credit loss provision to net charge-offs | 150.0000% | 2,411 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 2,633 |
| Efficiency ratio | 86.7322% | 1,596 |
| Assets per employee ($millions) | 4.4540% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2283% | 717 |
| Loan loss allowance to noncurrent loans | 26.2712% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 3.5324% | 1,959 |
| Noncurrent loans to loans | 12.2885% | 272 |
| Net loans and leases to total assets | 27.8177% | 7,410 |
| Net loans and leases to deposits | 32.2348% | 7,426 |
| Net loans and leases to core deposits | 32.2348% | 7,446 |
| Total domestic deposits to total assets | 86.2970% | 3,201 |
| Equity capital to assets | 13.4411% | 1,195 |
| Core capital (leverage) ratio | 13.0362% | 1,118 |
| Tier 1 risk-based capital ratio | 30.9869% | 466 |
| Total risk-based capital ratio | 32.2464% | 457 |
| Memoranda: | ||
| Average total assets | $13,312,200 | 7,593 |
| Average earning assets | $12,247,800 | 7,573 |
| Average equity | $1,811,400 | 7,538 |
| Average total loans | $3,905,600 | 7,577 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 7,345 |
| Cost of funding earning assets | 0.8207% | 6,686 |
| Net interest margin | 3.0749% | 6,671 |
| Noninterest income to average assets | 0.3609% | 5,276 |
| Noninterest expense to average assets | 1.8446% | 7,275 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0627% | 2,026 |
| Return on assets (ROA) | 1.0627% | 2,138 |
| Pretax return on assets | 1.3333% | 2,081 |
| Return on Equity (ROE) | 7.7857% | 2,992 |
| Retained earnings to average equity (ytd only) | 7.7857% | 1,493 |
| Net charge-offs to loans | -0.1020% | 7,558 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0442% | 6,265 |
| Assets per employee ($millions) | 4.3627% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1771% | 713 |
| Loan loss allowance to noncurrent loans | 30.3483% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 3.0715% | 2,360 |
| Noncurrent loans to loans | 10.4688% | 387 |
| Net loans and leases to total assets | 28.4077% | 7,502 |
| Net loans and leases to deposits | 33.3124% | 7,528 |
| Net loans and leases to core deposits | 33.3124% | 7,542 |
| Total domestic deposits to total assets | 85.2766% | 3,479 |
| Equity capital to assets | 14.2803% | 1,089 |
| Core capital (leverage) ratio | 13.8712% | 948 |
| Tier 1 risk-based capital ratio | 35.8802% | 325 |
| Total risk-based capital ratio | 37.1472% | 319 |
| Memoranda: | ||
| Average total assets | $13,299,750 | 7,695 |
| Average earning assets | $12,184,500 | 7,678 |
| Average equity | $1,815,250 | 7,635 |
| Average total loans | $3,921,750 | 7,677 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 7,444 |
| Cost of funding earning assets | 0.8753% | 6,672 |
| Net interest margin | 3.0057% | 6,814 |
| Noninterest income to average assets | 0.3440% | 5,394 |
| Noninterest expense to average assets | 1.8249% | 7,362 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0022% | 2,190 |
| Return on assets (ROA) | 1.0022% | 2,269 |
| Pretax return on assets | 1.2416% | 2,284 |
| Return on Equity (ROE) | 7.4555% | 3,129 |
| Retained earnings to average equity (ytd only) | 7.4555% | 1,651 |
| Net charge-offs to loans | -0.1013% | 7,553 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5122% | 6,142 |
| Assets per employee ($millions) | 3.3625% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1282% | 746 |
| Loan loss allowance to noncurrent loans | 34.9711% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 2.5725% | 2,819 |
| Noncurrent loans to loans | 8.9452% | 531 |
| Net loans and leases to total assets | 27.8587% | 7,580 |
| Net loans and leases to deposits | 32.3939% | 7,603 |
| Net loans and leases to core deposits | 32.3939% | 7,626 |
| Total domestic deposits to total assets | 86.0000% | 3,090 |
| Equity capital to assets | 13.6059% | 1,300 |
| Core capital (leverage) ratio | 13.6853% | 1,006 |
| Tier 1 risk-based capital ratio | 34.8306% | 358 |
| Total risk-based capital ratio | 36.0868% | 349 |
| Memoranda: | ||
| Average total assets | $13,370,330 | 7,762 |
| Average earning assets | $12,110,330 | 7,745 |
| Average equity | $1,797,330 | 7,702 |
| Average total loans | $3,949,000 | 7,745 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0206% | 7,438 |
| Cost of funding earning assets | 0.8898% | 6,810 |
| Net interest margin | 3.1308% | 6,514 |
| Noninterest income to average assets | 0.3301% | 5,500 |
| Noninterest expense to average assets | 1.8604% | 7,395 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0802% | 1,892 |
| Return on assets (ROA) | 1.0802% | 1,973 |
| Pretax return on assets | 1.3203% | 2,000 |
| Return on Equity (ROE) | 8.0853% | 2,846 |
| Retained earnings to average equity (ytd only) | 8.0853% | 1,676 |
| Net charge-offs to loans | -0.6016% | 7,813 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4906% | 6,414 |
| Assets per employee ($millions) | 3.3693% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1710% | 713 |
| Loan loss allowance to noncurrent loans | 40.5844% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 2.2854% | 3,167 |
| Noncurrent loans to loans | 7.8133% | 708 |
| Net loans and leases to total assets | 28.3223% | 7,664 |
| Net loans and leases to deposits | 32.8175% | 7,683 |
| Net loans and leases to core deposits | 32.8175% | 7,704 |
| Total domestic deposits to total assets | 86.3026% | 2,983 |
| Equity capital to assets | 13.3487% | 1,382 |
| Core capital (leverage) ratio | 13.4505% | 1,094 |
| Tier 1 risk-based capital ratio | 33.4511% | 393 |
| Total risk-based capital ratio | 34.7155% | 387 |
| Memoranda: | ||
| Average total assets | $13,330,500 | 7,862 |
| Average earning assets | $12,137,500 | 7,847 |
| Average equity | $1,781,000 | 7,791 |
| Average total loans | $3,989,500 | 7,845 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 7,420 |
| Cost of funding earning assets | 1.1348% | 6,866 |
| Net interest margin | 3.3204% | 5,664 |
| Noninterest income to average assets | 0.3892% | 5,300 |
| Noninterest expense to average assets | 2.9230% | 4,448 |
| Loan and lease loss provision to assets | 0.1145% | 6,500 |
| Net operating income to assets | 0.2824% | 4,599 |
| Return on assets (ROA) | 0.2824% | 4,691 |
| Pretax return on assets | 0.3663% | 4,590 |
| Return on Equity (ROE) | 2.0721% | 4,874 |
| Retained earnings to average equity (ytd only) | 2.0721% | 3,653 |
| Net charge-offs to loans | 0.6308% | 3,316 |
| Credit loss provision to net charge-offs | 62.5000% | 6,605 |
| Earnings coverage of net charge-offs (x) | 2.6250% | 3,804 |
| Efficiency ratio | 85.8744% | 2,130 |
| Assets per employee ($millions) | 3.2960% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9477% | 811 |
| Loan loss allowance to noncurrent loans | 42.3488% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 2.1314% | 3,233 |
| Noncurrent loans to loans | 6.9606% | 809 |
| Net loans and leases to total assets | 29.7178% | 7,714 |
| Net loans and leases to deposits | 34.4318% | 7,755 |
| Net loans and leases to core deposits | 36.5690% | 7,804 |
| Total domestic deposits to total assets | 86.3092% | 2,865 |
| Equity capital to assets | 13.3723% | 1,371 |
| Core capital (leverage) ratio | 13.2050% | 1,184 |
| Tier 1 risk-based capital ratio | 32.4021% | 434 |
| Total risk-based capital ratio | 33.6703% | 421 |
| Memoranda: | ||
| Average total assets | $13,102,800 | 7,933 |
| Average earning assets | $11,896,000 | 7,917 |
| Average equity | $1,785,600 | 7,879 |
| Average total loans | $3,804,800 | 7,925 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 7,493 |
| Cost of funding earning assets | 1.1791% | 6,949 |
| Net interest margin | 3.3352% | 5,505 |
| Noninterest income to average assets | 0.3873% | 5,416 |
| Noninterest expense to average assets | 1.9262% | 7,503 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3962% | 1,037 |
| Return on assets (ROA) | 1.3962% | 1,100 |
| Pretax return on assets | 1.4879% | 1,445 |
| Return on Equity (ROE) | 10.1973% | 1,847 |
| Retained earnings to average equity (ytd only) | 10.1973% | 599 |
| Net charge-offs to loans | -0.0713% | 7,891 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4179% | 6,942 |
| Assets per employee ($millions) | 3.2578% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3600% | 475 |
| Loan loss allowance to noncurrent loans | 44.3686% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 2.6168% | 2,660 |
| Noncurrent loans to loans | 7.5730% | 675 |
| Net loans and leases to total assets | 28.6931% | 7,832 |
| Net loans and leases to deposits | 33.6181% | 7,864 |
| Net loans and leases to core deposits | 35.7423% | 7,902 |
| Total domestic deposits to total assets | 85.3503% | 3,050 |
| Equity capital to assets | 14.3044% | 1,202 |
| Core capital (leverage) ratio | 14.3120% | 1,005 |
| Tier 1 risk-based capital ratio | 36.2646% | 354 |
| Total risk-based capital ratio | 37.5292% | 344 |
| Memoranda: | ||
| Average total assets | $13,082,500 | 8,012 |
| Average earning assets | $11,873,000 | 7,997 |
| Average equity | $1,791,250 | 7,958 |
| Average total loans | $3,746,750 | 8,005 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 7,489 |
| Cost of funding earning assets | 1.2244% | 7,037 |
| Net interest margin | 3.4011% | 5,167 |
| Noninterest income to average assets | 0.3664% | 5,580 |
| Noninterest expense to average assets | 1.9695% | 7,512 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1603% | 1,584 |
| Return on assets (ROA) | 1.1603% | 1,663 |
| Pretax return on assets | 1.4504% | 1,587 |
| Return on Equity (ROE) | 8.6022% | 2,513 |
| Retained earnings to average equity (ytd only) | 8.6022% | 1,038 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5893% | 6,928 |
| Assets per employee ($millions) | 3.2073% | 5,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4372% | 399 |
| Loan loss allowance to noncurrent loans | 47.2325% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 2.4866% | 2,593 |
| Noncurrent loans to loans | 7.2771% | 655 |
| Net loans and leases to total assets | 28.0302% | 7,930 |
| Net loans and leases to deposits | 32.8342% | 7,958 |
| Net loans and leases to core deposits | 34.9432% | 7,995 |
| Total domestic deposits to total assets | 85.3691% | 3,080 |
| Equity capital to assets | 14.0463% | 1,301 |
| Core capital (leverage) ratio | 13.5316% | 1,262 |
| Tier 1 risk-based capital ratio | 36.5295% | 383 |
| Total risk-based capital ratio | 37.7863% | 375 |
| Memoranda: | ||
| Average total assets | $13,099,670 | 8,102 |
| Average earning assets | $11,761,000 | 8,086 |
| Average equity | $1,767,000 | 8,048 |
| Average total loans | $3,706,000 | 8,096 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7276% | 7,464 |
| Cost of funding earning assets | 1.2862% | 7,060 |
| Net interest margin | 3.4414% | 4,970 |
| Noninterest income to average assets | 0.3627% | 5,537 |
| Noninterest expense to average assets | 1.6320% | 7,884 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3903% | 1,161 |
| Return on assets (ROA) | 1.3903% | 1,253 |
| Pretax return on assets | 1.7227% | 1,134 |
| Return on Equity (ROE) | 10.5173% | 2,121 |
| Retained earnings to average equity (ytd only) | 10.5173% | 1,069 |
| Net charge-offs to loans | -0.1082% | 7,901 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6486% | 7,689 |
| Assets per employee ($millions) | 3.3690% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6074% | 296 |
| Loan loss allowance to noncurrent loans | 50.5882% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 2.2484% | 2,550 |
| Noncurrent loans to loans | 7.1309% | 554 |
| Net loans and leases to total assets | 25.5788% | 8,011 |
| Net loans and leases to deposits | 29.5981% | 8,045 |
| Net loans and leases to core deposits | 31.3734% | 8,073 |
| Total domestic deposits to total assets | 86.4203% | 2,491 |
| Equity capital to assets | 13.1567% | 1,677 |
| Core capital (leverage) ratio | 13.5240% | 1,316 |
| Tier 1 risk-based capital ratio | 35.7676% | 415 |
| Total risk-based capital ratio | 37.0385% | 403 |
| Memoranda: | ||
| Average total assets | $13,235,000 | 8,152 |
| Average earning assets | $11,507,000 | 8,142 |
| Average equity | $1,749,500 | 8,104 |
| Average total loans | $3,697,000 | 8,151 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4548% | 7,387 |
| Cost of funding earning assets | 1.7935% | 7,025 |
| Net interest margin | 3.6613% | 4,637 |
| Noninterest income to average assets | 0.4100% | 5,391 |
| Noninterest expense to average assets | 3.1208% | 3,613 |
| Loan and lease loss provision to assets | 0.1519% | 5,423 |
| Net operating income to assets | 0.2810% | 5,611 |
| Return on assets (ROA) | 0.2810% | 5,421 |
| Pretax return on assets | 0.5012% | 4,972 |
| Return on Equity (ROE) | 2.1018% | 5,577 |
| Retained earnings to average equity (ytd only) | 2.1018% | 3,927 |
| Net charge-offs to loans | 0.0271% | 6,451 |
| Credit loss provision to net charge-offs | 2,000.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 492 |
| Efficiency ratio | 82.6962% | 2,217 |
| Assets per employee ($millions) | 3.2485% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3525% | 316 |
| Loan loss allowance to noncurrent loans | 107.5630% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 3,654 |
| Noncurrent loans to loans | 3.1168% | 1,705 |
| Net loans and leases to total assets | 28.3977% | 8,027 |
| Net loans and leases to deposits | 32.9053% | 8,081 |
| Net loans and leases to core deposits | 34.9564% | 8,115 |
| Total domestic deposits to total assets | 86.3014% | 2,260 |
| Equity capital to assets | 13.2831% | 1,676 |
| Core capital (leverage) ratio | 12.4468% | 1,775 |
| Tier 1 risk-based capital ratio | 35.0742% | 439 |
| Total risk-based capital ratio | 36.3341% | 432 |
| Memoranda: | ||
| Average total assets | $13,169,600 | 8,199 |
| Average earning assets | $12,099,400 | 8,185 |
| Average equity | $1,760,400 | 8,168 |
| Average total loans | $3,692,000 | 8,202 |