Home > State Bank of Burrton > Performance and Condition Ratios
State Bank of Burrton, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1997% | 945 |
| Cost of funding earning assets | 1.2636% | 3,658 |
| Net interest margin | 4.9361% | 332 |
| Noninterest income to average assets | 0.2500% | 3,214 |
| Noninterest expense to average assets | 3.4358% | 636 |
| Loan and lease loss provision to assets | 8.6100% | 2 |
| Net operating income to assets | -7.2694% | 4,442 |
| Return on assets (ROA) | -7.2694% | 4,481 |
| Pretax return on assets | -7.2694% | 4,479 |
| Return on Equity (ROE) | -83.0100% | 4,457 |
| Retained earnings to average equity (ytd only) | -83.0150% | 4,480 |
| Net charge-offs to loans | 16.5854% | 18 |
| Credit loss provision to net charge-offs | 100.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 0.1555% | 2,220 |
| Efficiency ratio | 71.9697% | 1,626 |
| Assets per employee ($millions) | 3.6207% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2275% | 292 |
| Loan loss allowance to noncurrent loans | 43.0070% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 2.6330% | 129 |
| Noncurrent loans to loans | 5.1793% | 60 |
| Net loans and leases to total assets | 49.7100% | 3,588 |
| Net loans and leases to deposits | 54.4968% | 3,712 |
| Net loans and leases to core deposits | 59.7235% | 3,706 |
| Total domestic deposits to total assets | 91.2100% | 464 |
| Equity capital to assets | 8.5804% | 3,249 |
| Core capital (leverage) ratio | 8.3377% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $11,060,000 | 4,428 |
| Average earning assets | $10,129,500 | 4,403 |
| Average equity | $968,500 | 4,419 |
| Average total loans | $5,740,000 | 4,337 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0076% | 3,093 |
| Cost of funding earning assets | 1.2709% | 3,719 |
| Net interest margin | 3.7367% | 1,615 |
| Noninterest income to average assets | 0.2500% | 3,380 |
| Noninterest expense to average assets | 3.3366% | 719 |
| Loan and lease loss provision to assets | 2.7200% | 20 |
| Net operating income to assets | -2.3808% | 4,437 |
| Return on assets (ROA) | -2.3808% | 4,473 |
| Pretax return on assets | -2.3808% | 4,473 |
| Return on Equity (ROE) | -24.7400% | 4,458 |
| Retained earnings to average equity (ytd only) | -24.7382% | 4,476 |
| Net charge-offs to loans | 4.2686% | 50 |
| Credit loss provision to net charge-offs | 110.6007% | 1,758 |
| Earnings coverage of net charge-offs (x) | 0.1378% | 2,988 |
| Efficiency ratio | 90.7801% | 475 |
| Assets per employee ($millions) | 3.7527% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0645% | 329 |
| Loan loss allowance to noncurrent loans | 23.1203% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 4.7255% | 28 |
| Noncurrent loans to loans | 8.9292% | 22 |
| Net loans and leases to total assets | 51.8300% | 3,532 |
| Net loans and leases to deposits | 56.9713% | 3,669 |
| Net loans and leases to core deposits | 62.2400% | 3,672 |
| Total domestic deposits to total assets | 90.9800% | 522 |
| Equity capital to assets | 8.9270% | 2,877 |
| Core capital (leverage) ratio | 9.1835% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $11,508,800 | 4,454 |
| Average earning assets | $10,544,000 | 4,423 |
| Average equity | $1,107,600 | 4,438 |
| Average total loans | $6,629,800 | 4,353 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 3,144 |
| Cost of funding earning assets | 1.2708% | 3,709 |
| Net interest margin | 3.6613% | 1,721 |
| Noninterest income to average assets | 0.2400% | 3,438 |
| Noninterest expense to average assets | 3.2608% | 768 |
| Loan and lease loss provision to assets | 0.3700% | 273 |
| Net operating income to assets | -0.0346% | 4,252 |
| Return on assets (ROA) | -0.0346% | 4,268 |
| Pretax return on assets | -0.0346% | 4,258 |
| Return on Equity (ROE) | -0.3500% | 4,251 |
| Retained earnings to average equity (ytd only) | -0.3530% | 4,061 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 90.7051% | 508 |
| Assets per employee ($millions) | 3.7820% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 459 |
| Loan loss allowance to noncurrent loans | 15.3374% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 7.1831% | 11 |
| Noncurrent loans to loans | 12.4484% | 11 |
| Net loans and leases to total assets | 56.6000% | 3,206 |
| Net loans and leases to deposits | 63.3959% | 3,402 |
| Net loans and leases to core deposits | 69.2324% | 3,427 |
| Total domestic deposits to total assets | 89.2800% | 809 |
| Equity capital to assets | 10.5412% | 1,960 |
| Core capital (leverage) ratio | 10.3822% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $11,571,500 | 4,481 |
| Average earning assets | $10,597,000 | 4,454 |
| Average equity | $1,133,250 | 4,469 |
| Average total loans | $6,797,750 | 4,382 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8206% | 3,247 |
| Cost of funding earning assets | 1.2567% | 3,698 |
| Net interest margin | 3.5638% | 1,845 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 3.1597% | 877 |
| Loan and lease loss provision to assets | 0.5500% | 148 |
| Net operating income to assets | -0.1889% | 4,343 |
| Return on assets (ROA) | -0.1889% | 4,365 |
| Pretax return on assets | -0.1889% | 4,347 |
| Return on Equity (ROE) | -1.9800% | 4,345 |
| Retained earnings to average equity (ytd only) | -1.9778% | 4,138 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 89.7561% | 575 |
| Assets per employee ($millions) | 4.0157% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8251% | 538 |
| Loan loss allowance to noncurrent loans | 15.0966% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 6.8731% | 13 |
| Noncurrent loans to loans | 12.0894% | 12 |
| Net loans and leases to total assets | 55.8100% | 3,281 |
| Net loans and leases to deposits | 61.6202% | 3,495 |
| Net loans and leases to core deposits | 66.8523% | 3,507 |
| Total domestic deposits to total assets | 90.5800% | 552 |
| Equity capital to assets | 9.3218% | 2,516 |
| Core capital (leverage) ratio | 10.3109% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $11,646,667 | 4,504 |
| Average earning assets | $10,662,667 | 4,472 |
| Average equity | $1,112,333 | 4,481 |
| Average total loans | $6,881,333 | 4,401 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7131% | 4,411 |
| Cost of funding earning assets | 1.2249% | 3,680 |
| Net interest margin | 2.4882% | 3,878 |
| Noninterest income to average assets | 0.3100% | 2,877 |
| Noninterest expense to average assets | 3.2064% | 825 |
| Loan and lease loss provision to assets | 0.7000% | 114 |
| Net operating income to assets | -1.3244% | 4,534 |
| Return on assets (ROA) | -1.3244% | 4,526 |
| Pretax return on assets | -1.3244% | 4,519 |
| Return on Equity (ROE) | -13.3600% | 4,501 |
| Retained earnings to average equity (ytd only) | -13.3626% | 4,376 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 124.3243% | 104 |
| Assets per employee ($millions) | 3.9517% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 846 |
| Loan loss allowance to noncurrent loans | 21.6475% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 4.4032% | 34 |
| Noncurrent loans to loans | 7.3948% | 24 |
| Net loans and leases to total assets | 58.5900% | 3,004 |
| Net loans and leases to deposits | 64.8795% | 3,239 |
| Net loans and leases to core deposits | 70.4105% | 3,312 |
| Total domestic deposits to total assets | 90.3100% | 694 |
| Equity capital to assets | 9.4981% | 2,323 |
| Core capital (leverage) ratio | 10.5803% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $11,477,000 | 4,531 |
| Average earning assets | $10,449,500 | 4,498 |
| Average equity | $1,137,500 | 4,509 |
| Average total loans | $6,897,500 | 4,429 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4231% | 3,239 |
| Cost of funding earning assets | 0.7163% | 3,908 |
| Net interest margin | 3.7068% | 1,753 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 3.3535% | 698 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 0.1566% | 4,207 |
| Return on assets (ROA) | 0.1566% | 4,233 |
| Pretax return on assets | 0.1566% | 4,233 |
| Return on Equity (ROE) | 1.7400% | 4,179 |
| Retained earnings to average equity (ytd only) | 1.7428% | 3,644 |
| Net charge-offs to loans | 0.0462% | 1,420 |
| Credit loss provision to net charge-offs | 833.3333% | 474 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 2,072 |
| Efficiency ratio | 90.2439% | 404 |
| Assets per employee ($millions) | 3.6997% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 1,459 |
| Loan loss allowance to noncurrent loans | 17.2222% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 4.8653% | 26 |
| Noncurrent loans to loans | 8.0166% | 17 |
| Net loans and leases to total assets | 59.8500% | 2,855 |
| Net loans and leases to deposits | 66.8310% | 3,122 |
| Net loans and leases to core deposits | 73.0080% | 3,124 |
| Total domestic deposits to total assets | 89.5600% | 889 |
| Equity capital to assets | 10.3523% | 1,811 |
| Core capital (leverage) ratio | 11.0572% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $12,136,400 | 4,558 |
| Average earning assets | $11,168,600 | 4,513 |
| Average equity | $1,090,200 | 4,518 |
| Average total loans | $6,490,400 | 4,446 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 3,286 |
| Cost of funding earning assets | 0.5469% | 4,063 |
| Net interest margin | 3.7586% | 1,670 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.9902% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6884% | 3,351 |
| Return on assets (ROA) | 0.6884% | 3,332 |
| Pretax return on assets | 0.6884% | 3,576 |
| Return on Equity (ROE) | 7.9300% | 3,203 |
| Retained earnings to average equity (ytd only) | 7.9341% | 1,988 |
| Net charge-offs to loans | 0.0622% | 1,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 21.3333% | 1,782 |
| Efficiency ratio | 81.2865% | 781 |
| Assets per employee ($millions) | 4.0313% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 3,200 |
| Loan loss allowance to noncurrent loans | 12.5926% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 4.4650% | 33 |
| Noncurrent loans to loans | 8.1917% | 18 |
| Net loans and leases to total assets | 53.9400% | 3,364 |
| Net loans and leases to deposits | 59.6671% | 3,523 |
| Net loans and leases to core deposits | 64.5813% | 3,502 |
| Total domestic deposits to total assets | 90.4100% | 837 |
| Equity capital to assets | 9.3931% | 2,165 |
| Core capital (leverage) ratio | 10.9002% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $12,395,750 | 4,580 |
| Average earning assets | $11,457,750 | 4,539 |
| Average equity | $1,075,500 | 4,542 |
| Average total loans | $6,429,000 | 4,470 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2356% | 3,218 |
| Cost of funding earning assets | 0.4322% | 4,115 |
| Net interest margin | 3.8034% | 1,615 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.9769% | 1,078 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7362% | 3,253 |
| Return on assets (ROA) | 0.7362% | 3,263 |
| Pretax return on assets | 0.7362% | 3,529 |
| Return on Equity (ROE) | 8.7200% | 3,057 |
| Retained earnings to average equity (ytd only) | 8.7176% | 1,757 |
| Net charge-offs to loans | 0.0941% | 701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 1,857 |
| Efficiency ratio | 80.1724% | 828 |
| Assets per employee ($millions) | 4.2560% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 3,304 |
| Loan loss allowance to noncurrent loans | 34.5178% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.5429% | 228 |
| Noncurrent loans to loans | 2.9758% | 145 |
| Net loans and leases to total assets | 51.3200% | 3,461 |
| Net loans and leases to deposits | 56.1632% | 3,638 |
| Net loans and leases to core deposits | 60.4763% | 3,604 |
| Total domestic deposits to total assets | 91.3700% | 535 |
| Equity capital to assets | 8.5370% | 2,833 |
| Core capital (leverage) ratio | 10.4920% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $12,496,333 | 4,608 |
| Average earning assets | $11,568,667 | 4,567 |
| Average equity | $1,055,333 | 4,572 |
| Average total loans | $6,374,667 | 4,503 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1543% | 3,131 |
| Cost of funding earning assets | 0.3142% | 4,156 |
| Net interest margin | 3.8401% | 1,602 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.9125% | 1,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8414% | 3,049 |
| Return on assets (ROA) | 0.8414% | 3,007 |
| Pretax return on assets | 0.8414% | 3,362 |
| Return on Equity (ROE) | 10.0200% | 2,778 |
| Retained earnings to average equity (ytd only) | 10.0193% | 1,691 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.5862% | 1,036 |
| Assets per employee ($millions) | 4.2153% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,747 |
| Loan loss allowance to noncurrent loans | 35.3234% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.5894% | 194 |
| Noncurrent loans to loans | 3.2935% | 127 |
| Net loans and leases to total assets | 47.7000% | 3,651 |
| Net loans and leases to deposits | 52.2025% | 3,782 |
| Net loans and leases to core deposits | 56.2215% | 3,728 |
| Total domestic deposits to total assets | 91.3700% | 681 |
| Equity capital to assets | 8.4770% | 2,914 |
| Core capital (leverage) ratio | 10.2272% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $12,360,500 | 4,670 |
| Average earning assets | $11,458,000 | 4,635 |
| Average equity | $1,038,000 | 4,643 |
| Average total loans | $6,252,000 | 4,572 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5720% | 2,878 |
| Cost of funding earning assets | 0.1773% | 3,933 |
| Net interest margin | 3.3947% | 2,275 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 3.1309% | 797 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2197% | 4,436 |
| Return on assets (ROA) | 0.2197% | 4,417 |
| Pretax return on assets | 0.2197% | 4,429 |
| Return on Equity (ROE) | 2.6400% | 4,326 |
| Retained earnings to average equity (ytd only) | 2.6445% | 3,812 |
| Net charge-offs to loans | -0.0160% | 3,986 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 93.4426% | 234 |
| Assets per employee ($millions) | 4.0250% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 2,855 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 52.4200% | 3,326 |
| Net loans and leases to deposits | 57.2229% | 3,501 |
| Net loans and leases to core deposits | 61.8406% | 3,403 |
| Total domestic deposits to total assets | 91.6100% | 748 |
| Equity capital to assets | 8.3147% | 2,838 |
| Core capital (leverage) ratio | 9.9667% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $12,743,800 | 4,704 |
| Average earning assets | $11,842,000 | 4,669 |
| Average equity | $1,058,800 | 4,703 |
| Average total loans | $6,244,600 | 4,608 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4096% | 2,890 |
| Cost of funding earning assets | 0.1555% | 3,788 |
| Net interest margin | 3.2541% | 2,442 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.8192% | 1,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3924% | 4,253 |
| Return on assets (ROA) | 0.3924% | 4,199 |
| Pretax return on assets | 0.3924% | 4,272 |
| Return on Equity (ROE) | 4.7200% | 4,032 |
| Retained earnings to average equity (ytd only) | 4.7240% | 3,191 |
| Net charge-offs to loans | -0.0215% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.7814% | 391 |
| Assets per employee ($millions) | 4.2040% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,017 |
| Loan loss allowance to noncurrent loans | 154.3478% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 1,478 |
| Noncurrent loans to loans | 0.7128% | 1,148 |
| Net loans and leases to total assets | 50.6000% | 3,410 |
| Net loans and leases to deposits | 55.0220% | 3,545 |
| Net loans and leases to core deposits | 59.2242% | 3,438 |
| Total domestic deposits to total assets | 91.9700% | 883 |
| Equity capital to assets | 7.9369% | 2,938 |
| Core capital (leverage) ratio | 9.8194% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $12,911,000 | 4,741 |
| Average earning assets | $12,005,000 | 4,707 |
| Average equity | $1,072,500 | 4,742 |
| Average total loans | $6,205,500 | 4,645 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3187% | 2,680 |
| Cost of funding earning assets | 0.1321% | 3,814 |
| Net interest margin | 3.1866% | 2,236 |
| Noninterest income to average assets | 0.1998% | 3,999 |
| Noninterest expense to average assets | 2.8131% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3536% | 4,203 |
| Return on assets (ROA) | 0.3536% | 4,157 |
| Pretax return on assets | 0.3536% | 4,222 |
| Return on Equity (ROE) | 4.1958% | 3,987 |
| Retained earnings to average equity (ytd only) | 4.1958% | 3,012 |
| Net charge-offs to loans | -0.0327% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8350% | 463 |
| Assets per employee ($millions) | 4.4123% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 3,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 50.0416% | 3,377 |
| Net loans and leases to deposits | 54.3485% | 3,518 |
| Net loans and leases to core deposits | 58.2842% | 3,407 |
| Total domestic deposits to total assets | 92.0752% | 809 |
| Equity capital to assets | 7.8568% | 3,235 |
| Core capital (leverage) ratio | 9.6108% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $13,010,667 | 4,767 |
| Average earning assets | $12,113,333 | 4,750 |
| Average equity | $1,096,333 | 4,765 |
| Average total loans | $6,123,000 | 4,711 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1828% | 2,739 |
| Cost of funding earning assets | 0.1326% | 3,733 |
| Net interest margin | 3.0501% | 2,327 |
| Noninterest income to average assets | 0.2481% | 3,661 |
| Noninterest expense to average assets | 3.0083% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0930% | 4,476 |
| Return on assets (ROA) | 0.0930% | 4,448 |
| Pretax return on assets | 0.0930% | 4,450 |
| Return on Equity (ROE) | 1.0671% | 4,415 |
| Retained earnings to average equity (ytd only) | 1.0671% | 3,810 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0000% | 300 |
| Assets per employee ($millions) | 4.3680% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 3,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 46.1844% | 3,558 |
| Net loans and leases to deposits | 50.3243% | 3,708 |
| Net loans and leases to core deposits | 54.0068% | 3,589 |
| Total domestic deposits to total assets | 91.7735% | 666 |
| Equity capital to assets | 8.1349% | 3,463 |
| Core capital (leverage) ratio | 9.5749% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $12,897,500 | 4,792 |
| Average earning assets | $12,065,000 | 4,777 |
| Average equity | $1,124,500 | 4,790 |
| Average total loans | $5,837,000 | 4,741 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3504% | 3,051 |
| Cost of funding earning assets | 0.2611% | 2,794 |
| Net interest margin | 3.0893% | 2,944 |
| Noninterest income to average assets | 0.1868% | 4,222 |
| Noninterest expense to average assets | 3.0459% | 925 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0244% | 4,669 |
| Return on assets (ROA) | 0.0244% | 4,677 |
| Pretax return on assets | 0.0244% | 4,674 |
| Return on Equity (ROE) | 0.2472% | 4,674 |
| Retained earnings to average equity (ytd only) | 0.2472% | 4,428 |
| Net charge-offs to loans | -0.0817% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2063% | 154 |
| Assets per employee ($millions) | 4.2303% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 2,560 |
| Loan loss allowance to noncurrent loans | 7,000.0000% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 4,080 |
| Noncurrent loans to loans | 0.0180% | 3,949 |
| Net loans and leases to total assets | 43.1960% | 3,895 |
| Net loans and leases to deposits | 47.6447% | 4,015 |
| Net loans and leases to core deposits | 51.3008% | 3,944 |
| Total domestic deposits to total assets | 90.6627% | 634 |
| Equity capital to assets | 9.3216% | 3,294 |
| Core capital (leverage) ratio | 9.5776% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $12,311,600 | 4,835 |
| Average earning assets | $11,491,200 | 4,820 |
| Average equity | $1,213,600 | 4,832 |
| Average total loans | $4,895,600 | 4,792 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4293% | 3,015 |
| Cost of funding earning assets | 0.2809% | 2,784 |
| Net interest margin | 3.1484% | 2,904 |
| Noninterest income to average assets | 0.1855% | 4,270 |
| Noninterest expense to average assets | 3.0231% | 928 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0982% | 4,700 |
| Return on assets (ROA) | 0.0982% | 4,716 |
| Pretax return on assets | 0.0982% | 4,714 |
| Return on Equity (ROE) | 0.9826% | 4,693 |
| Retained earnings to average equity (ytd only) | 0.9826% | 4,416 |
| Net charge-offs to loans | -0.1127% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8531% | 185 |
| Assets per employee ($millions) | 4.2593% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 2,793 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 43.6375% | 3,983 |
| Net loans and leases to deposits | 49.5600% | 4,026 |
| Net loans and leases to core deposits | 53.7498% | 3,934 |
| Total domestic deposits to total assets | 88.0498% | 1,816 |
| Equity capital to assets | 9.5398% | 3,336 |
| Core capital (leverage) ratio | 9.5674% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $12,216,750 | 4,909 |
| Average earning assets | $11,391,750 | 4,894 |
| Average equity | $1,221,250 | 4,906 |
| Average total loans | $4,731,500 | 4,865 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5713% | 2,715 |
| Cost of funding earning assets | 0.2857% | 2,913 |
| Net interest margin | 3.2856% | 2,490 |
| Noninterest income to average assets | 0.1829% | 4,287 |
| Noninterest expense to average assets | 3.2254% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0166% | 4,766 |
| Return on assets (ROA) | 0.0166% | 4,776 |
| Pretax return on assets | 0.0166% | 4,775 |
| Return on Equity (ROE) | 0.1637% | 4,774 |
| Retained earnings to average equity (ytd only) | 0.1637% | 4,486 |
| Net charge-offs to loans | -0.2711% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4872% | 170 |
| Assets per employee ($millions) | 4.1803% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 2,021 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 40.7224% | 4,257 |
| Net loans and leases to deposits | 45.0710% | 4,346 |
| Net loans and leases to core deposits | 48.8521% | 4,287 |
| Total domestic deposits to total assets | 90.3516% | 623 |
| Equity capital to assets | 9.6404% | 3,208 |
| Core capital (leverage) ratio | 9.7674% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $12,029,667 | 4,946 |
| Average earning assets | $11,200,333 | 4,931 |
| Average equity | $1,222,000 | 4,942 |
| Average total loans | $4,426,667 | 4,907 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1619% | 1,269 |
| Cost of funding earning assets | 0.2921% | 3,076 |
| Net interest margin | 3.8698% | 1,030 |
| Noninterest income to average assets | 0.2038% | 4,164 |
| Noninterest expense to average assets | 3.0236% | 958 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7814% | 3,479 |
| Return on assets (ROA) | 0.7814% | 3,546 |
| Pretax return on assets | 0.7814% | 3,848 |
| Return on Equity (ROE) | 7.4888% | 3,473 |
| Retained earnings to average equity (ytd only) | 7.4888% | 2,416 |
| Net charge-offs to loans | -0.0988% | 4,635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4643% | 854 |
| Assets per employee ($millions) | 6.2350% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 1,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 35.1243% | 4,544 |
| Net loans and leases to deposits | 38.9853% | 4,597 |
| Net loans and leases to core deposits | 42.2494% | 4,558 |
| Total domestic deposits to total assets | 90.0962% | 777 |
| Equity capital to assets | 9.8476% | 2,848 |
| Core capital (leverage) ratio | 10.2598% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $11,774,000 | 4,974 |
| Average earning assets | $10,956,500 | 4,960 |
| Average equity | $1,228,500 | 4,969 |
| Average total loans | $4,050,500 | 4,938 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0705% | 2,512 |
| Cost of funding earning assets | 0.3392% | 3,930 |
| Net interest margin | 3.7313% | 1,698 |
| Noninterest income to average assets | 0.3621% | 3,302 |
| Noninterest expense to average assets | 3.6027% | 594 |
| Loan and lease loss provision to assets | 0.1950% | 2,006 |
| Net operating income to assets | 0.0371% | 4,705 |
| Return on assets (ROA) | 0.0371% | 4,741 |
| Pretax return on assets | 0.0371% | 4,738 |
| Return on Equity (ROE) | 0.3205% | 4,742 |
| Retained earnings to average equity (ytd only) | 0.3205% | 4,420 |
| Net charge-offs to loans | 0.4847% | 334 |
| Credit loss provision to net charge-offs | 95.4545% | 2,884 |
| Earnings coverage of net charge-offs (x) | 1.1364% | 3,278 |
| Efficiency ratio | 93.9467% | 270 |
| Assets per employee ($millions) | 3.6927% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8062% | 841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 32.3885% | 4,696 |
| Net loans and leases to deposits | 36.4375% | 4,737 |
| Net loans and leases to core deposits | 39.9599% | 4,699 |
| Total domestic deposits to total assets | 88.8879% | 1,035 |
| Equity capital to assets | 11.0941% | 2,181 |
| Core capital (leverage) ratio | 10.8939% | 1,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $10,769,800 | 4,996 |
| Average earning assets | $10,023,400 | 4,983 |
| Average equity | $1,248,000 | 4,992 |
| Average total loans | $4,538,800 | 4,954 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 2,056 |
| Cost of funding earning assets | 0.3483% | 4,065 |
| Net interest margin | 3.9647% | 1,197 |
| Noninterest income to average assets | 0.3990% | 3,086 |
| Noninterest expense to average assets | 3.3667% | 831 |
| Loan and lease loss provision to assets | 0.2619% | 1,552 |
| Net operating income to assets | 0.4614% | 4,141 |
| Return on assets (ROA) | 0.4614% | 4,209 |
| Pretax return on assets | 0.4614% | 4,358 |
| Return on Equity (ROE) | 3.9379% | 4,171 |
| Retained earnings to average equity (ytd only) | 3.9379% | 3,082 |
| Net charge-offs to loans | 0.6162% | 232 |
| Credit loss provision to net charge-offs | 95.4545% | 2,668 |
| Earnings coverage of net charge-offs (x) | 2.6364% | 2,976 |
| Efficiency ratio | 82.3171% | 716 |
| Assets per employee ($millions) | 3.6013% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 1,723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 42.9100% | 4,465 |
| Net loans and leases to deposits | 48.6362% | 4,531 |
| Net loans and leases to core deposits | 53.4471% | 4,475 |
| Total domestic deposits to total assets | 88.2266% | 1,101 |
| Equity capital to assets | 11.6994% | 1,879 |
| Core capital (leverage) ratio | 11.3821% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $10,692,750 | 5,028 |
| Average earning assets | $9,954,250 | 5,016 |
| Average equity | $1,252,750 | 5,025 |
| Average total loans | $4,760,000 | 4,984 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 1,622 |
| Cost of funding earning assets | 0.3625% | 4,211 |
| Net interest margin | 4.2489% | 826 |
| Noninterest income to average assets | 0.5068% | 2,535 |
| Noninterest expense to average assets | 3.4723% | 770 |
| Loan and lease loss provision to assets | 0.3942% | 1,032 |
| Net operating income to assets | 0.6006% | 3,737 |
| Return on assets (ROA) | 0.6006% | 3,812 |
| Pretax return on assets | 0.6006% | 4,061 |
| Return on Equity (ROE) | 5.1241% | 3,800 |
| Retained earnings to average equity (ytd only) | 5.1241% | 2,414 |
| Net charge-offs to loans | 0.9625% | 157 |
| Credit loss provision to net charge-offs | 91.3043% | 2,457 |
| Earnings coverage of net charge-offs (x) | 2.3043% | 2,787 |
| Efficiency ratio | 77.7311% | 1,078 |
| Assets per employee ($millions) | 3.7993% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 1,748 |
| Loan loss allowance to noncurrent loans | 3,250.0000% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 4,468 |
| Noncurrent loans to loans | 0.0417% | 4,314 |
| Net loans and leases to total assets | 41.5161% | 4,546 |
| Net loans and leases to deposits | 46.7081% | 4,630 |
| Net loans and leases to core deposits | 51.0299% | 4,599 |
| Total domestic deposits to total assets | 88.8840% | 792 |
| Equity capital to assets | 11.0897% | 2,259 |
| Core capital (leverage) ratio | 11.4531% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $10,655,667 | 5,060 |
| Average earning assets | $9,932,000 | 5,048 |
| Average equity | $1,249,000 | 5,057 |
| Average total loans | $4,779,333 | 5,015 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9388% | 1,090 |
| Cost of funding earning assets | 0.4185% | 4,295 |
| Net interest margin | 4.5202% | 481 |
| Noninterest income to average assets | 0.8946% | 1,078 |
| Noninterest expense to average assets | 3.6171% | 802 |
| Loan and lease loss provision to assets | 0.7390% | 348 |
| Net operating income to assets | 0.7390% | 3,141 |
| Return on assets (ROA) | 0.7390% | 3,220 |
| Pretax return on assets | 0.7390% | 3,571 |
| Return on Equity (ROE) | 6.1216% | 3,276 |
| Retained earnings to average equity (ytd only) | 6.1216% | 1,828 |
| Net charge-offs to loans | 1.8447% | 78 |
| Credit loss provision to net charge-offs | 86.3636% | 1,909 |
| Earnings coverage of net charge-offs (x) | 1.7273% | 2,349 |
| Efficiency ratio | 70.9924% | 2,219 |
| Assets per employee ($millions) | 3.5620% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 1,830 |
| Loan loss allowance to noncurrent loans | 172.9730% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 3,052 |
| Noncurrent loans to loans | 0.7896% | 2,039 |
| Net loans and leases to total assets | 43.2529% | 4,537 |
| Net loans and leases to deposits | 49.0294% | 4,627 |
| Net loans and leases to core deposits | 53.8820% | 4,572 |
| Total domestic deposits to total assets | 88.2182% | 1,007 |
| Equity capital to assets | 11.7069% | 2,283 |
| Core capital (leverage) ratio | 11.6998% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $10,284,500 | 5,111 |
| Average earning assets | $9,557,000 | 5,098 |
| Average equity | $1,241,500 | 5,105 |
| Average total loans | $4,770,500 | 5,062 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 2,950 |
| Cost of funding earning assets | 0.3775% | 4,517 |
| Net interest margin | 4.1216% | 1,482 |
| Noninterest income to average assets | 0.2095% | 4,411 |
| Noninterest expense to average assets | 3.7803% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2761% | 4,775 |
| Return on assets (ROA) | 0.2761% | 4,799 |
| Pretax return on assets | 0.2761% | 4,837 |
| Return on Equity (ROE) | 2.3810% | 4,757 |
| Retained earnings to average equity (ytd only) | 2.3810% | 3,830 |
| Net charge-offs to loans | 0.2470% | 837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 2.6364% | 3,394 |
| Efficiency ratio | 93.1925% | 262 |
| Assets per employee ($millions) | 3.2943% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 1,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 2,822 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 48.4468% | 4,406 |
| Net loans and leases to deposits | 56.4889% | 4,440 |
| Net loans and leases to core deposits | 62.7770% | 4,332 |
| Total domestic deposits to total assets | 85.7634% | 2,153 |
| Equity capital to assets | 12.4659% | 1,838 |
| Core capital (leverage) ratio | 11.7252% | 1,941 |
| Tier 1 risk-based capital ratio | 24.6272% | 777 |
| Total risk-based capital ratio | 25.8767% | 758 |
| Memoranda: | ||
| Average total assets | $10,501,800 | 5,171 |
| Average earning assets | $9,802,000 | 5,159 |
| Average equity | $1,218,000 | 5,168 |
| Average total loans | $4,453,400 | 5,130 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 3,431 |
| Cost of funding earning assets | 0.3480% | 4,664 |
| Net interest margin | 4.0278% | 1,841 |
| Noninterest income to average assets | 0.2127% | 4,449 |
| Noninterest expense to average assets | 3.1780% | 1,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8007% | 3,672 |
| Return on assets (ROA) | 0.8007% | 3,741 |
| Pretax return on assets | 0.8007% | 4,115 |
| Return on Equity (ROE) | 7.0259% | 3,668 |
| Retained earnings to average equity (ytd only) | 7.0259% | 1,851 |
| Net charge-offs to loans | 0.3370% | 510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 5.8166% | 2,883 |
| Efficiency ratio | 79.8742% | 935 |
| Assets per employee ($millions) | 3.5623% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 3,039 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 44.2220% | 4,685 |
| Net loans and leases to deposits | 50.2072% | 4,768 |
| Net loans and leases to core deposits | 55.1394% | 4,715 |
| Total domestic deposits to total assets | 88.0790% | 1,006 |
| Equity capital to assets | 11.8462% | 2,378 |
| Core capital (leverage) ratio | 11.7372% | 2,051 |
| Tier 1 risk-based capital ratio | 25.2513% | 756 |
| Total risk-based capital ratio | 26.4978% | 744 |
| Memoranda: | ||
| Average total assets | $10,656,500 | 5,249 |
| Average earning assets | $9,963,750 | 5,237 |
| Average equity | $1,214,500 | 5,246 |
| Average total loans | $4,353,000 | 5,209 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2424% | 3,814 |
| Cost of funding earning assets | 0.3202% | 4,770 |
| Net interest margin | 3.9222% | 2,180 |
| Noninterest income to average assets | 0.3006% | 3,922 |
| Noninterest expense to average assets | 3.0809% | 1,787 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9017% | 3,271 |
| Return on assets (ROA) | 0.9017% | 3,345 |
| Pretax return on assets | 0.9017% | 3,840 |
| Return on Equity (ROE) | 8.0178% | 3,285 |
| Retained earnings to average equity (ytd only) | 8.0178% | 1,385 |
| Net charge-offs to loans | 0.2853% | 592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,444 |
| Efficiency ratio | 77.3585% | 1,234 |
| Assets per employee ($millions) | 3.5857% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6390% | 946 |
| Loan loss allowance to noncurrent loans | 184.6154% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 3,084 |
| Noncurrent loans to loans | 0.8878% | 1,834 |
| Net loans and leases to total assets | 40.1692% | 4,837 |
| Net loans and leases to deposits | 45.4316% | 4,921 |
| Net loans and leases to core deposits | 49.8443% | 4,869 |
| Total domestic deposits to total assets | 88.4168% | 913 |
| Equity capital to assets | 11.5739% | 2,549 |
| Core capital (leverage) ratio | 11.6585% | 2,051 |
| Tier 1 risk-based capital ratio | 26.6380% | 647 |
| Total risk-based capital ratio | 27.8840% | 642 |
| Memoranda: | ||
| Average total assets | $10,646,330 | 5,296 |
| Average earning assets | $9,994,330 | 5,284 |
| Average equity | $1,197,330 | 5,293 |
| Average total loans | $4,206,330 | 5,258 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1925% | 3,896 |
| Cost of funding earning assets | 0.3628% | 4,632 |
| Net interest margin | 3.8297% | 2,420 |
| Noninterest income to average assets | 0.3021% | 3,860 |
| Noninterest expense to average assets | 3.2103% | 1,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6798% | 4,002 |
| Return on assets (ROA) | 0.6798% | 4,041 |
| Pretax return on assets | 0.6798% | 4,351 |
| Return on Equity (ROE) | 6.1355% | 3,974 |
| Retained earnings to average equity (ytd only) | 6.1355% | 2,398 |
| Net charge-offs to loans | 0.1945% | 719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,056 |
| Efficiency ratio | 82.5243% | 825 |
| Assets per employee ($millions) | 3.6750% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8217% | 677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 37.1519% | 4,980 |
| Net loans and leases to deposits | 41.7150% | 5,045 |
| Net loans and leases to core deposits | 45.5871% | 5,004 |
| Total domestic deposits to total assets | 89.0612% | 830 |
| Equity capital to assets | 10.8662% | 2,979 |
| Core capital (leverage) ratio | 11.1172% | 2,460 |
| Tier 1 risk-based capital ratio | 27.0675% | 613 |
| Total risk-based capital ratio | 28.3192% | 600 |
| Memoranda: | ||
| Average total assets | $10,591,000 | 5,354 |
| Average earning assets | $9,922,500 | 5,342 |
| Average equity | $1,173,500 | 5,352 |
| Average total loans | $4,113,000 | 5,318 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0082% | 4,005 |
| Cost of funding earning assets | 0.2940% | 4,597 |
| Net interest margin | 3.7142% | 2,981 |
| Noninterest income to average assets | -0.0915% | 5,374 |
| Noninterest expense to average assets | 3.2664% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1098% | 5,175 |
| Return on assets (ROA) | 0.1098% | 5,169 |
| Pretax return on assets | 0.1098% | 5,173 |
| Return on Equity (ROE) | 1.0515% | 5,158 |
| Retained earnings to average equity (ytd only) | 1.0515% | 4,693 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7480% | 199 |
| Assets per employee ($millions) | 3.3857% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9240% | 547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 39.1454% | 4,975 |
| Net loans and leases to deposits | 44.1434% | 5,026 |
| Net loans and leases to core deposits | 48.6480% | 4,975 |
| Total domestic deposits to total assets | 88.6778% | 989 |
| Equity capital to assets | 11.3124% | 2,406 |
| Core capital (leverage) ratio | 11.0515% | 2,480 |
| Tier 1 risk-based capital ratio | 28.5441% | 537 |
| Total risk-based capital ratio | 29.7872% | 529 |
| Memoranda: | ||
| Average total assets | $10,929,400 | 5,397 |
| Average earning assets | $10,204,200 | 5,385 |
| Average equity | $1,141,200 | 5,398 |
| Average total loans | $3,995,200 | 5,366 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 4,263 |
| Cost of funding earning assets | 0.2824% | 4,618 |
| Net interest margin | 3.5951% | 3,383 |
| Noninterest income to average assets | -0.1918% | 5,456 |
| Noninterest expense to average assets | 2.7811% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3836% | 4,983 |
| Return on assets (ROA) | 0.3836% | 4,983 |
| Pretax return on assets | 0.3836% | 5,048 |
| Return on Equity (ROE) | 3.7454% | 4,876 |
| Retained earnings to average equity (ytd only) | 3.7454% | 3,900 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8788% | 409 |
| Assets per employee ($millions) | 3.7003% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8131% | 706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 38.0506% | 5,080 |
| Net loans and leases to deposits | 42.4395% | 5,144 |
| Net loans and leases to core deposits | 46.2853% | 5,101 |
| Total domestic deposits to total assets | 89.6586% | 616 |
| Equity capital to assets | 10.2693% | 3,377 |
| Core capital (leverage) ratio | 10.6750% | 2,908 |
| Tier 1 risk-based capital ratio | 27.2584% | 611 |
| Total risk-based capital ratio | 28.4944% | 606 |
| Memoranda: | ||
| Average total assets | $11,122,500 | 5,468 |
| Average earning assets | $10,384,250 | 5,455 |
| Average equity | $1,139,250 | 5,468 |
| Average total loans | $3,980,500 | 5,436 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7827% | 4,383 |
| Cost of funding earning assets | 0.2509% | 4,742 |
| Net interest margin | 3.5318% | 3,526 |
| Noninterest income to average assets | -0.4133% | 5,526 |
| Noninterest expense to average assets | 2.7314% | 2,905 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1438% | 5,265 |
| Return on assets (ROA) | 0.1438% | 5,258 |
| Pretax return on assets | 0.1438% | 5,276 |
| Return on Equity (ROE) | 1.4047% | 5,232 |
| Retained earnings to average equity (ytd only) | 1.4047% | 4,664 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0000% | 237 |
| Assets per employee ($millions) | 3.8813% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8563% | 681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 35.4174% | 5,199 |
| Net loans and leases to deposits | 39.2202% | 5,265 |
| Net loans and leases to core deposits | 42.5681% | 5,226 |
| Total domestic deposits to total assets | 90.3040% | 462 |
| Equity capital to assets | 9.6788% | 3,937 |
| Core capital (leverage) ratio | 10.2551% | 3,287 |
| Tier 1 risk-based capital ratio | 27.7713% | 571 |
| Total risk-based capital ratio | 29.0082% | 564 |
| Memoranda: | ||
| Average total assets | $11,129,670 | 5,532 |
| Average earning assets | $10,363,000 | 5,519 |
| Average equity | $1,139,000 | 5,532 |
| Average total loans | $3,873,330 | 5,500 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6668% | 4,554 |
| Cost of funding earning assets | 0.2391% | 4,769 |
| Net interest margin | 3.4277% | 3,786 |
| Noninterest income to average assets | 0.2575% | 4,454 |
| Noninterest expense to average assets | 2.8328% | 2,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5886% | 4,455 |
| Return on assets (ROA) | 0.5886% | 4,461 |
| Pretax return on assets | 0.5886% | 4,713 |
| Return on Equity (ROE) | 5.5895% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.5895% | 2,908 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7957% | 879 |
| Assets per employee ($millions) | 3.8183% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0712% | 480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4928% | 932 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 32.1955% | 5,321 |
| Net loans and leases to deposits | 35.7780% | 5,363 |
| Net loans and leases to core deposits | 38.8824% | 5,333 |
| Total domestic deposits to total assets | 89.9869% | 661 |
| Equity capital to assets | 9.9607% | 3,634 |
| Core capital (leverage) ratio | 10.8016% | 2,628 |
| Tier 1 risk-based capital ratio | 28.9582% | 514 |
| Total risk-based capital ratio | 30.2151% | 514 |
| Memoranda: | ||
| Average total assets | $10,872,500 | 5,596 |
| Average earning assets | $10,036,000 | 5,583 |
| Average equity | $1,145,000 | 5,594 |
| Average total loans | $3,709,000 | 5,563 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5881% | 4,599 |
| Cost of funding earning assets | 0.2427% | 4,623 |
| Net interest margin | 3.3454% | 4,023 |
| Noninterest income to average assets | -0.1554% | 5,649 |
| Noninterest expense to average assets | 3.2822% | 1,410 |
| Loan and lease loss provision to assets | -0.4176% | 5,636 |
| Net operating income to assets | 0.0583% | 5,298 |
| Return on assets (ROA) | 0.0583% | 5,307 |
| Pretax return on assets | 0.0583% | 5,403 |
| Return on Equity (ROE) | 0.5126% | 5,308 |
| Retained earnings to average equity (ytd only) | 0.5126% | 4,829 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.2924% | 88 |
| Assets per employee ($millions) | 3.4300% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1358% | 416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6618% | 787 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 34.7328% | 5,325 |
| Net loans and leases to deposits | 39.1071% | 5,361 |
| Net loans and leases to core deposits | 42.9774% | 5,321 |
| Total domestic deposits to total assets | 88.8144% | 1,077 |
| Equity capital to assets | 11.1662% | 2,469 |
| Core capital (leverage) ratio | 11.2165% | 2,148 |
| Tier 1 risk-based capital ratio | 30.8777% | 427 |
| Total risk-based capital ratio | 32.1317% | 420 |
| Memoranda: | ||
| Average total assets | $10,298,000 | 5,662 |
| Average earning assets | $9,475,800 | 5,649 |
| Average equity | $1,170,400 | 5,658 |
| Average total loans | $3,605,600 | 5,633 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5436% | 4,708 |
| Cost of funding earning assets | 0.2531% | 4,540 |
| Net interest margin | 3.2905% | 4,201 |
| Noninterest income to average assets | -0.1294% | 5,714 |
| Noninterest expense to average assets | 2.9779% | 2,174 |
| Loan and lease loss provision to assets | -0.4532% | 5,711 |
| Net operating income to assets | 0.3755% | 5,054 |
| Return on assets (ROA) | 0.3755% | 5,080 |
| Pretax return on assets | 0.3755% | 5,226 |
| Return on Equity (ROE) | 3.2946% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.2946% | 3,964 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6786% | 151 |
| Assets per employee ($millions) | 3.4390% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3425% | 325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7835% | 782 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 35.1556% | 5,379 |
| Net loans and leases to deposits | 39.7654% | 5,426 |
| Net loans and leases to core deposits | 43.6830% | 5,371 |
| Total domestic deposits to total assets | 88.4075% | 1,167 |
| Equity capital to assets | 11.5344% | 2,328 |
| Core capital (leverage) ratio | 11.4186% | 2,081 |
| Tier 1 risk-based capital ratio | 31.2338% | 436 |
| Total risk-based capital ratio | 32.4780% | 435 |
| Memoranda: | ||
| Average total assets | $10,297,750 | 5,727 |
| Average earning assets | $9,481,500 | 5,714 |
| Average equity | $1,173,750 | 5,725 |
| Average total loans | $3,594,000 | 5,696 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4656% | 4,844 |
| Cost of funding earning assets | 0.2325% | 4,695 |
| Net interest margin | 3.2332% | 4,318 |
| Noninterest income to average assets | -0.3692% | 5,775 |
| Noninterest expense to average assets | 2.7985% | 2,768 |
| Loan and lease loss provision to assets | -0.6802% | 5,770 |
| Net operating income to assets | 0.4858% | 4,744 |
| Return on assets (ROA) | 0.4858% | 4,780 |
| Pretax return on assets | 0.4858% | 5,028 |
| Return on Equity (ROE) | 4.2796% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.2796% | 3,161 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4627% | 119 |
| Assets per employee ($millions) | 3.5567% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4315% | 304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7432% | 808 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 32.7179% | 5,479 |
| Net loans and leases to deposits | 36.8249% | 5,526 |
| Net loans and leases to core deposits | 40.3025% | 5,491 |
| Total domestic deposits to total assets | 88.8472% | 1,033 |
| Equity capital to assets | 11.1434% | 2,659 |
| Core capital (leverage) ratio | 11.4873% | 1,976 |
| Tier 1 risk-based capital ratio | 31.9075% | 409 |
| Total risk-based capital ratio | 33.1562% | 400 |
| Memoranda: | ||
| Average total assets | $10,291,330 | 5,776 |
| Average earning assets | $9,464,330 | 5,763 |
| Average equity | $1,168,330 | 5,774 |
| Average total loans | $3,554,000 | 5,745 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4109% | 4,908 |
| Cost of funding earning assets | 0.2591% | 4,462 |
| Net interest margin | 3.1518% | 4,497 |
| Noninterest income to average assets | 0.3960% | 3,693 |
| Noninterest expense to average assets | 2.8113% | 2,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4752% | 4,688 |
| Return on assets (ROA) | 0.4752% | 4,712 |
| Pretax return on assets | 0.4752% | 5,011 |
| Return on Equity (ROE) | 4.1451% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.1451% | 3,389 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5422% | 841 |
| Assets per employee ($millions) | 3.4877% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3922% | 125 |
| Loan loss allowance to noncurrent loans | 12,100.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 2.1409% | 593 |
| Noncurrent loans to loans | 0.0280% | 5,103 |
| Net loans and leases to total assets | 32.9351% | 5,501 |
| Net loans and leases to deposits | 37.0857% | 5,548 |
| Net loans and leases to core deposits | 40.6464% | 5,502 |
| Total domestic deposits to total assets | 88.8082% | 1,251 |
| Equity capital to assets | 11.1440% | 2,485 |
| Core capital (leverage) ratio | 11.5801% | 1,894 |
| Tier 1 risk-based capital ratio | 31.7647% | 422 |
| Total risk-based capital ratio | 33.0214% | 416 |
| Memoranda: | ||
| Average total assets | $10,102,000 | 5,846 |
| Average earning assets | $9,264,500 | 5,832 |
| Average equity | $1,158,000 | 5,841 |
| Average total loans | $3,542,000 | 5,815 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4662% | 4,857 |
| Cost of funding earning assets | 0.2994% | 4,071 |
| Net interest margin | 3.1668% | 4,546 |
| Noninterest income to average assets | 1.3354% | 639 |
| Noninterest expense to average assets | 3.6466% | 951 |
| Loan and lease loss provision to assets | -0.0514% | 5,595 |
| Net operating income to assets | 0.5650% | 4,368 |
| Return on assets (ROA) | 0.5650% | 4,471 |
| Pretax return on assets | 0.5650% | 4,885 |
| Return on Equity (ROE) | 4.8561% | 4,490 |
| Retained earnings to average equity (ytd only) | 4.8561% | 2,442 |
| Net charge-offs to loans | 0.0275% | 3,482 |
| Credit loss provision to net charge-offs | -500.0000% | 5,166 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 1,006 |
| Efficiency ratio | 87.6543% | 701 |
| Assets per employee ($millions) | 3.2470% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4404% | 117 |
| Loan loss allowance to noncurrent loans | 12,100.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 2.2996% | 543 |
| Noncurrent loans to loans | 0.0284% | 5,151 |
| Net loans and leases to total assets | 34.8630% | 5,525 |
| Net loans and leases to deposits | 39.5389% | 5,564 |
| Net loans and leases to core deposits | 43.6728% | 5,496 |
| Total domestic deposits to total assets | 88.1737% | 1,547 |
| Equity capital to assets | 11.8058% | 1,934 |
| Core capital (leverage) ratio | 11.9367% | 1,640 |
| Tier 1 risk-based capital ratio | 32.7212% | 386 |
| Total risk-based capital ratio | 33.9733% | 378 |
| Memoranda: | ||
| Average total assets | $9,735,000 | 5,905 |
| Average earning assets | $8,683,800 | 5,891 |
| Average equity | $1,132,600 | 5,903 |
| Average total loans | $3,633,600 | 5,871 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4753% | 4,881 |
| Cost of funding earning assets | 0.3090% | 3,996 |
| Net interest margin | 3.1665% | 4,586 |
| Noninterest income to average assets | 0.4931% | 3,302 |
| Noninterest expense to average assets | 3.3424% | 1,472 |
| Loan and lease loss provision to assets | -0.0548% | 5,727 |
| Net operating income to assets | 0.0137% | 5,707 |
| Return on assets (ROA) | 0.0137% | 5,730 |
| Pretax return on assets | 0.0137% | 5,724 |
| Return on Equity (ROE) | 0.1179% | 5,730 |
| Retained earnings to average equity (ytd only) | 0.1179% | 5,309 |
| Net charge-offs to loans | 0.0729% | 2,274 |
| Credit loss provision to net charge-offs | -200.0000% | 4,865 |
| Earnings coverage of net charge-offs (x) | -1.4981% | 3,861 |
| Efficiency ratio | 101.2448% | 206 |
| Assets per employee ($millions) | 2.4050% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4326% | 124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3181% | 616 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 35.3846% | 5,572 |
| Net loans and leases to deposits | 40.0848% | 5,630 |
| Net loans and leases to core deposits | 40.0848% | 5,677 |
| Total domestic deposits to total assets | 88.2744% | 1,250 |
| Equity capital to assets | 11.6944% | 2,360 |
| Core capital (leverage) ratio | 11.4904% | 2,042 |
| Tier 1 risk-based capital ratio | 30.1344% | 475 |
| Total risk-based capital ratio | 31.3978% | 473 |
| Memoranda: | ||
| Average total assets | $9,733,500 | 5,971 |
| Average earning assets | $8,632,000 | 5,958 |
| Average equity | $1,128,250 | 5,969 |
| Average total loans | $3,662,750 | 5,936 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4389% | 5,006 |
| Cost of funding earning assets | 0.2770% | 4,379 |
| Net interest margin | 3.1619% | 4,665 |
| Noninterest income to average assets | 0.4708% | 3,404 |
| Noninterest expense to average assets | 3.2544% | 1,684 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0205% | 5,749 |
| Return on assets (ROA) | 0.0205% | 5,783 |
| Pretax return on assets | 0.0205% | 5,779 |
| Return on Equity (ROE) | 0.1771% | 5,783 |
| Retained earnings to average equity (ytd only) | 0.1771% | 5,248 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3750% | 253 |
| Assets per employee ($millions) | 2.4768% | 5,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5485% | 117 |
| Loan loss allowance to noncurrent loans | 72.1591% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 4.0275% | 223 |
| Noncurrent loans to loans | 4.9176% | 177 |
| Net loans and leases to total assets | 34.8440% | 5,651 |
| Net loans and leases to deposits | 39.3301% | 5,711 |
| Net loans and leases to core deposits | 39.3301% | 5,765 |
| Total domestic deposits to total assets | 88.5939% | 1,117 |
| Equity capital to assets | 11.3960% | 2,645 |
| Core capital (leverage) ratio | 11.4736% | 2,013 |
| Tier 1 risk-based capital ratio | 28.3119% | 575 |
| Total risk-based capital ratio | 29.5736% | 564 |
| Memoranda: | ||
| Average total assets | $9,771,330 | 6,050 |
| Average earning assets | $8,665,670 | 6,036 |
| Average equity | $1,129,330 | 6,045 |
| Average total loans | $3,708,670 | 6,012 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3100% | 5,301 |
| Cost of funding earning assets | 0.2797% | 4,395 |
| Net interest margin | 3.0303% | 5,043 |
| Noninterest income to average assets | 0.5359% | 2,894 |
| Noninterest expense to average assets | 3.1741% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0412% | 5,756 |
| Return on assets (ROA) | 0.0412% | 5,787 |
| Pretax return on assets | 0.0412% | 5,784 |
| Return on Equity (ROE) | 0.3541% | 5,787 |
| Retained earnings to average equity (ytd only) | 0.3541% | 5,033 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7179% | 323 |
| Assets per employee ($millions) | 2.4745% | 5,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4380% | 145 |
| Loan loss allowance to noncurrent loans | 71.7514% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 4.0412% | 248 |
| Noncurrent loans to loans | 4.7916% | 214 |
| Net loans and leases to total assets | 36.0376% | 5,640 |
| Net loans and leases to deposits | 40.7099% | 5,687 |
| Net loans and leases to core deposits | 40.7099% | 5,754 |
| Total domestic deposits to total assets | 88.5229% | 1,347 |
| Equity capital to assets | 11.4266% | 2,508 |
| Core capital (leverage) ratio | 11.6571% | 1,855 |
| Tier 1 risk-based capital ratio | 27.9731% | 610 |
| Total risk-based capital ratio | 29.2446% | 596 |
| Memoranda: | ||
| Average total assets | $9,703,500 | 6,114 |
| Average earning assets | $8,580,000 | 6,102 |
| Average equity | $1,129,500 | 6,109 |
| Average total loans | $3,773,500 | 6,073 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6400% | 4,556 |
| Cost of funding earning assets | 0.3814% | 3,350 |
| Net interest margin | 3.2586% | 4,443 |
| Noninterest income to average assets | 0.5060% | 3,282 |
| Noninterest expense to average assets | 3.3573% | 1,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0584% | 5,805 |
| Return on assets (ROA) | 0.0584% | 5,841 |
| Pretax return on assets | 0.0584% | 5,839 |
| Return on Equity (ROE) | 0.5272% | 5,836 |
| Retained earnings to average equity (ytd only) | 0.5272% | 5,310 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2906% | 330 |
| Assets per employee ($millions) | 2.3773% | 5,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2961% | 160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3451% | 684 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 39.1839% | 5,558 |
| Net loans and leases to deposits | 44.4789% | 5,634 |
| Net loans and leases to core deposits | 44.4789% | 5,701 |
| Total domestic deposits to total assets | 88.0955% | 1,580 |
| Equity capital to assets | 11.8624% | 2,061 |
| Core capital (leverage) ratio | 11.5400% | 1,929 |
| Tier 1 risk-based capital ratio | 28.4157% | 580 |
| Total risk-based capital ratio | 29.6831% | 569 |
| Memoranda: | ||
| Average total assets | $10,276,200 | 6,172 |
| Average earning assets | $9,175,800 | 6,158 |
| Average equity | $1,138,000 | 6,168 |
| Average total loans | $3,841,200 | 6,131 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5142% | 4,950 |
| Cost of funding earning assets | 0.4268% | 2,943 |
| Net interest margin | 3.0873% | 4,992 |
| Noninterest income to average assets | 0.4840% | 3,480 |
| Noninterest expense to average assets | 3.0059% | 2,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2420% | 5,587 |
| Return on assets (ROA) | 0.2420% | 5,665 |
| Pretax return on assets | 0.2420% | 5,733 |
| Return on Equity (ROE) | 2.2210% | 5,624 |
| Retained earnings to average equity (ytd only) | 2.2210% | 4,770 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5490% | 539 |
| Assets per employee ($millions) | 2.4990% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2547% | 189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2309% | 845 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 37.7651% | 5,716 |
| Net loans and leases to deposits | 42.7181% | 5,774 |
| Net loans and leases to core deposits | 42.7181% | 5,833 |
| Total domestic deposits to total assets | 88.4054% | 1,342 |
| Equity capital to assets | 11.5346% | 2,478 |
| Core capital (leverage) ratio | 10.9154% | 2,579 |
| Tier 1 risk-based capital ratio | 28.3358% | 597 |
| Total risk-based capital ratio | 29.5852% | 590 |
| Memoranda: | ||
| Average total assets | $10,468,000 | 6,258 |
| Average earning assets | $9,371,500 | 6,242 |
| Average equity | $1,140,500 | 6,255 |
| Average total loans | $3,838,250 | 6,213 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3382% | 5,364 |
| Cost of funding earning assets | 0.4619% | 2,590 |
| Net interest margin | 2.8763% | 5,487 |
| Noninterest income to average assets | 0.4706% | 3,556 |
| Noninterest expense to average assets | 2.9928% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0565% | 5,925 |
| Return on assets (ROA) | 0.0565% | 5,965 |
| Pretax return on assets | 0.0565% | 5,971 |
| Return on Equity (ROE) | 0.5280% | 5,960 |
| Retained earnings to average equity (ytd only) | 0.5280% | 5,343 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1481% | 374 |
| Assets per employee ($millions) | 2.7248% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2656% | 201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0461% | 1,063 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 34.5169% | 5,885 |
| Net loans and leases to deposits | 38.5490% | 5,955 |
| Net loans and leases to core deposits | 38.5490% | 6,002 |
| Total domestic deposits to total assets | 89.5403% | 879 |
| Equity capital to assets | 10.4230% | 3,530 |
| Core capital (leverage) ratio | 10.3691% | 3,119 |
| Tier 1 risk-based capital ratio | 26.8106% | 719 |
| Total risk-based capital ratio | 28.0815% | 707 |
| Memoranda: | ||
| Average total assets | $10,625,330 | 6,334 |
| Average earning assets | $9,526,000 | 6,317 |
| Average equity | $1,136,330 | 6,331 |
| Average total loans | $3,817,000 | 6,290 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3246% | 5,388 |
| Cost of funding earning assets | 0.4689% | 2,574 |
| Net interest margin | 2.8558% | 5,537 |
| Noninterest income to average assets | 0.5339% | 3,060 |
| Noninterest expense to average assets | 2.9365% | 2,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1525% | 5,782 |
| Return on assets (ROA) | 0.1525% | 5,855 |
| Pretax return on assets | 0.1525% | 5,894 |
| Return on Equity (ROE) | 1.4078% | 5,829 |
| Retained earnings to average equity (ytd only) | 1.4078% | 4,923 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0617% | 538 |
| Assets per employee ($millions) | 2.7873% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3822% | 203 |
| Loan loss allowance to noncurrent loans | 51.0040% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 4.2336% | 339 |
| Noncurrent loans to loans | 6.6312% | 145 |
| Net loans and leases to total assets | 32.5410% | 5,981 |
| Net loans and leases to deposits | 36.2800% | 6,048 |
| Net loans and leases to core deposits | 36.2800% | 6,090 |
| Total domestic deposits to total assets | 89.6941% | 904 |
| Equity capital to assets | 10.2341% | 3,848 |
| Core capital (leverage) ratio | 10.5716% | 2,880 |
| Tier 1 risk-based capital ratio | 26.3791% | 761 |
| Total risk-based capital ratio | 27.6285% | 740 |
| Memoranda: | ||
| Average total assets | $10,488,500 | 6,402 |
| Average earning assets | $9,384,500 | 6,388 |
| Average equity | $1,136,500 | 6,399 |
| Average total loans | $3,781,000 | 6,361 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3597% | 5,606 |
| Cost of funding earning assets | 0.4769% | 2,917 |
| Net interest margin | 2.8828% | 5,676 |
| Noninterest income to average assets | 0.3645% | 4,484 |
| Noninterest expense to average assets | 3.0889% | 2,560 |
| Loan and lease loss provision to assets | -0.1919% | 6,280 |
| Net operating income to assets | 0.0767% | 5,983 |
| Return on assets (ROA) | 0.0767% | 6,010 |
| Pretax return on assets | 0.0767% | 6,013 |
| Return on Equity (ROE) | 0.7184% | 6,003 |
| Retained earnings to average equity (ytd only) | 0.7184% | 5,442 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8710% | 292 |
| Assets per employee ($millions) | 2.4545% | 6,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3360% | 208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2917% | 1,046 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 37.4822% | 5,883 |
| Net loans and leases to deposits | 42.3427% | 5,957 |
| Net loans and leases to core deposits | 42.3427% | 6,019 |
| Total domestic deposits to total assets | 88.5211% | 1,518 |
| Equity capital to assets | 11.4280% | 2,494 |
| Core capital (leverage) ratio | 10.8037% | 2,612 |
| Tier 1 risk-based capital ratio | 22.8589% | 1,104 |
| Total risk-based capital ratio | 24.1415% | 1,076 |
| Memoranda: | ||
| Average total assets | $10,424,400 | 6,491 |
| Average earning assets | $9,435,400 | 6,478 |
| Average equity | $1,113,600 | 6,492 |
| Average total loans | $3,916,600 | 6,454 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2773% | 5,795 |
| Cost of funding earning assets | 0.4721% | 3,035 |
| Net interest margin | 2.8052% | 5,863 |
| Noninterest income to average assets | 0.3782% | 4,410 |
| Noninterest expense to average assets | 3.0005% | 2,798 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0756% | 6,203 |
| Return on assets (ROA) | -0.0756% | 6,205 |
| Pretax return on assets | -0.0756% | 6,185 |
| Return on Equity (ROE) | -0.7197% | 6,208 |
| Retained earnings to average equity (ytd only) | -0.7197% | 5,917 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5862% | 315 |
| Assets per employee ($millions) | 2.6125% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9075% | 173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1722% | 1,279 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 34.5933% | 6,091 |
| Net loans and leases to deposits | 38.7294% | 6,162 |
| Net loans and leases to core deposits | 38.7294% | 6,218 |
| Total domestic deposits to total assets | 89.3206% | 1,064 |
| Equity capital to assets | 10.5933% | 3,432 |
| Core capital (leverage) ratio | 10.4087% | 3,149 |
| Tier 1 risk-based capital ratio | 22.2358% | 1,232 |
| Total risk-based capital ratio | 23.5210% | 1,212 |
| Memoranda: | ||
| Average total assets | $10,576,000 | 6,571 |
| Average earning assets | $9,601,250 | 6,556 |
| Average equity | $1,111,500 | 6,571 |
| Average total loans | $3,944,000 | 6,532 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2672% | 5,844 |
| Cost of funding earning assets | 0.4521% | 3,305 |
| Net interest margin | 2.8152% | 5,872 |
| Noninterest income to average assets | 0.4144% | 4,139 |
| Noninterest expense to average assets | 2.9384% | 3,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0565% | 6,125 |
| Return on assets (ROA) | 0.0565% | 6,149 |
| Pretax return on assets | 0.0565% | 6,142 |
| Return on Equity (ROE) | 0.5391% | 6,142 |
| Retained earnings to average equity (ytd only) | 0.5391% | 5,523 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1132% | 460 |
| Assets per employee ($millions) | 2.6945% | 6,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6359% | 228 |
| Loan loss allowance to noncurrent loans | 63.9130% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 2.1340% | 1,449 |
| Noncurrent loans to loans | 5.6888% | 295 |
| Net loans and leases to total assets | 36.1477% | 6,042 |
| Net loans and leases to deposits | 40.3396% | 6,140 |
| Net loans and leases to core deposits | 40.3396% | 6,211 |
| Total domestic deposits to total assets | 89.6085% | 1,012 |
| Equity capital to assets | 10.3544% | 3,615 |
| Core capital (leverage) ratio | 10.4374% | 3,028 |
| Tier 1 risk-based capital ratio | 22.1017% | 1,246 |
| Total risk-based capital ratio | 23.3876% | 1,219 |
| Memoranda: | ||
| Average total assets | $10,618,000 | 6,637 |
| Average earning assets | $9,733,000 | 6,623 |
| Average equity | $1,113,000 | 6,634 |
| Average total loans | $4,004,670 | 6,595 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2389% | 5,948 |
| Cost of funding earning assets | 0.4152% | 3,813 |
| Net interest margin | 2.8236% | 5,889 |
| Noninterest income to average assets | 0.4555% | 3,741 |
| Noninterest expense to average assets | 3.0366% | 2,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0000% | 6,210 |
| Return on assets (ROA) | 0.0000% | 6,226 |
| Pretax return on assets | 0.0000% | 6,215 |
| Return on Equity (ROE) | 0.0000% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,544 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 466 |
| Assets per employee ($millions) | 2.6840% | 6,215 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6972% | 239 |
| Loan loss allowance to noncurrent loans | 62.8205% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 2.1796% | 1,525 |
| Noncurrent loans to loans | 5.8853% | 310 |
| Net loans and leases to total assets | 35.6651% | 6,083 |
| Net loans and leases to deposits | 39.8273% | 6,173 |
| Net loans and leases to core deposits | 39.8273% | 6,240 |
| Total domestic deposits to total assets | 89.5492% | 1,346 |
| Equity capital to assets | 10.3670% | 3,376 |
| Core capital (leverage) ratio | 10.3932% | 3,054 |
| Tier 1 risk-based capital ratio | 22.2832% | 1,247 |
| Total risk-based capital ratio | 23.5629% | 1,219 |
| Memoranda: | ||
| Average total assets | $10,538,000 | 6,710 |
| Average earning assets | $9,633,000 | 6,696 |
| Average equity | $1,111,500 | 6,702 |
| Average total loans | $3,985,500 | 6,665 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4092% | 5,820 |
| Cost of funding earning assets | 0.5400% | 3,196 |
| Net interest margin | 2.8692% | 5,857 |
| Noninterest income to average assets | 0.4534% | 4,066 |
| Noninterest expense to average assets | 3.0580% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0096% | 6,197 |
| Return on assets (ROA) | 0.0096% | 6,238 |
| Pretax return on assets | 0.0096% | 6,219 |
| Return on Equity (ROE) | 0.0900% | 6,238 |
| Retained earnings to average equity (ytd only) | 0.0900% | 5,812 |
| Net charge-offs to loans | -0.0919% | 6,458 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6855% | 485 |
| Assets per employee ($millions) | 2.5850% | 6,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6796% | 250 |
| Loan loss allowance to noncurrent loans | 61.7647% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 2.3017% | 1,530 |
| Noncurrent loans to loans | 5.9574% | 349 |
| Net loans and leases to total assets | 37.2147% | 6,146 |
| Net loans and leases to deposits | 41.7082% | 6,245 |
| Net loans and leases to core deposits | 41.7082% | 6,316 |
| Total domestic deposits to total assets | 89.2263% | 1,472 |
| Equity capital to assets | 10.7350% | 2,893 |
| Core capital (leverage) ratio | 10.0670% | 3,470 |
| Tier 1 risk-based capital ratio | 22.6419% | 1,155 |
| Total risk-based capital ratio | 23.9216% | 1,128 |
| Memoranda: | ||
| Average total assets | $10,366,200 | 6,793 |
| Average earning assets | $9,445,000 | 6,779 |
| Average equity | $1,111,400 | 6,790 |
| Average total loans | $4,354,400 | 6,745 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4176% | 5,848 |
| Cost of funding earning assets | 0.5649% | 3,123 |
| Net interest margin | 2.8527% | 5,912 |
| Noninterest income to average assets | 0.4499% | 4,154 |
| Noninterest expense to average assets | 3.0463% | 2,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0000% | 6,297 |
| Return on assets (ROA) | 0.0000% | 6,342 |
| Pretax return on assets | 0.0000% | 6,320 |
| Return on Equity (ROE) | 0.0000% | 6,343 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,931 |
| Net charge-offs to loans | -0.1199% | 6,537 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 465 |
| Assets per employee ($millions) | 2.8058% | 6,141 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5688% | 315 |
| Loan loss allowance to noncurrent loans | 60.4938% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 2.3612% | 1,661 |
| Noncurrent loans to loans | 5.8995% | 443 |
| Net loans and leases to total assets | 35.3916% | 6,307 |
| Net loans and leases to deposits | 39.3306% | 6,407 |
| Net loans and leases to core deposits | 39.3306% | 6,470 |
| Total domestic deposits to total assets | 89.9849% | 1,007 |
| Equity capital to assets | 9.9260% | 4,014 |
| Core capital (leverage) ratio | 9.8721% | 3,862 |
| Tier 1 risk-based capital ratio | 21.2362% | 1,448 |
| Total risk-based capital ratio | 22.6894% | 1,385 |
| Memoranda: | ||
| Average total assets | $10,372,750 | 6,872 |
| Average earning assets | $9,441,250 | 6,857 |
| Average equity | $1,111,750 | 6,869 |
| Average total loans | $4,444,250 | 6,819 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5411% | 5,604 |
| Cost of funding earning assets | 0.5902% | 3,033 |
| Net interest margin | 2.9509% | 5,693 |
| Noninterest income to average assets | 0.4559% | 4,125 |
| Noninterest expense to average assets | 3.2906% | 2,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1586% | 6,465 |
| Return on assets (ROA) | -0.1586% | 6,499 |
| Pretax return on assets | -0.1586% | 6,468 |
| Return on Equity (ROE) | -1.4401% | 6,491 |
| Retained earnings to average equity (ytd only) | -1.4401% | 6,117 |
| Net charge-offs to loans | -0.1757% | 6,633 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0633% | 365 |
| Assets per employee ($millions) | 2.8063% | 6,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2857% | 441 |
| Loan loss allowance to noncurrent loans | 49.6622% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 2.6370% | 1,588 |
| Noncurrent loans to loans | 6.6160% | 389 |
| Net loans and leases to total assets | 38.5479% | 6,138 |
| Net loans and leases to deposits | 42.7654% | 6,292 |
| Net loans and leases to core deposits | 42.7654% | 6,374 |
| Total domestic deposits to total assets | 90.1381% | 953 |
| Equity capital to assets | 9.8174% | 4,164 |
| Core capital (leverage) ratio | 10.1475% | 3,298 |
| Tier 1 risk-based capital ratio | 20.6419% | 1,582 |
| Total risk-based capital ratio | 22.0851% | 1,504 |
| Memoranda: | ||
| Average total assets | $10,089,330 | 6,923 |
| Average earning assets | $9,149,670 | 6,909 |
| Average equity | $1,111,000 | 6,917 |
| Average total loans | $4,552,670 | 6,868 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7015% | 5,157 |
| Cost of funding earning assets | 0.6091% | 3,021 |
| Net interest margin | 3.0924% | 5,286 |
| Noninterest income to average assets | 0.5881% | 3,203 |
| Noninterest expense to average assets | 3.2348% | 2,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1260% | 6,100 |
| Return on assets (ROA) | 0.1260% | 6,191 |
| Pretax return on assets | 0.1260% | 6,213 |
| Return on Equity (ROE) | 1.0758% | 6,204 |
| Retained earnings to average equity (ytd only) | 1.0758% | 5,420 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2500% | 720 |
| Assets per employee ($millions) | 2.4565% | 6,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1588% | 565 |
| Loan loss allowance to noncurrent loans | 51.0714% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 3.5009% | 1,212 |
| Noncurrent loans to loans | 6.1851% | 531 |
| Net loans and leases to total assets | 44.6163% | 5,597 |
| Net loans and leases to deposits | 50.4024% | 5,760 |
| Net loans and leases to core deposits | 50.4024% | 5,949 |
| Total domestic deposits to total assets | 88.5203% | 1,992 |
| Equity capital to assets | 11.3678% | 2,561 |
| Core capital (leverage) ratio | 11.5709% | 1,833 |
| Tier 1 risk-based capital ratio | 21.8533% | 1,359 |
| Total risk-based capital ratio | 23.3048% | 1,292 |
| Memoranda: | ||
| Average total assets | $9,521,500 | 7,004 |
| Average earning assets | $8,537,000 | 6,993 |
| Average equity | $1,115,500 | 6,988 |
| Average total loans | $4,592,000 | 6,941 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2476% | 4,403 |
| Cost of funding earning assets | 0.6246% | 4,140 |
| Net interest margin | 3.6229% | 3,991 |
| Noninterest income to average assets | 0.3761% | 4,781 |
| Noninterest expense to average assets | 3.2731% | 2,417 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3456% | 5,314 |
| Return on assets (ROA) | 0.3456% | 5,532 |
| Pretax return on assets | 0.3456% | 5,728 |
| Return on Equity (ROE) | 3.0730% | 5,526 |
| Retained earnings to average equity (ytd only) | 3.0730% | 4,068 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4494% | 1,023 |
| Assets per employee ($millions) | 2.3043% | 6,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0706% | 622 |
| Loan loss allowance to noncurrent loans | 49.6528% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 4.3073% | 974 |
| Noncurrent loans to loans | 6.1842% | 569 |
| Net loans and leases to total assets | 48.9747% | 5,309 |
| Net loans and leases to deposits | 55.7353% | 5,472 |
| Net loans and leases to core deposits | 55.7353% | 5,732 |
| Total domestic deposits to total assets | 87.8702% | 2,312 |
| Equity capital to assets | 12.0864% | 1,990 |
| Core capital (leverage) ratio | 11.6658% | 1,754 |
| Tier 1 risk-based capital ratio | 21.4356% | 1,374 |
| Total risk-based capital ratio | 22.8828% | 1,308 |
| Memoranda: | ||
| Average total assets | $9,837,800 | 7,067 |
| Average earning assets | $8,805,000 | 7,052 |
| Average equity | $1,106,400 | 7,056 |
| Average total loans | $5,006,000 | 7,002 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3014% | 4,448 |
| Cost of funding earning assets | 0.6251% | 4,409 |
| Net interest margin | 3.6764% | 3,896 |
| Noninterest income to average assets | 0.3469% | 5,041 |
| Noninterest expense to average assets | 3.0420% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6004% | 4,391 |
| Return on assets (ROA) | 0.6004% | 4,655 |
| Pretax return on assets | 0.6004% | 5,165 |
| Return on Equity (ROE) | 5.4323% | 4,631 |
| Retained earnings to average equity (ytd only) | 5.4323% | 3,080 |
| Net charge-offs to loans | -0.0261% | 6,551 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5165% | 1,641 |
| Assets per employee ($millions) | 2.4365% | 6,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9009% | 802 |
| Loan loss allowance to noncurrent loans | 436.3636% | 870 |
| Noncurrent assets plus other real estate owned to assets | 1.5186% | 3,304 |
| Noncurrent loans to loans | 0.6648% | 5,116 |
| Net loans and leases to total assets | 49.4562% | 5,378 |
| Net loans and leases to deposits | 55.9749% | 5,638 |
| Net loans and leases to core deposits | 55.9749% | 5,889 |
| Total domestic deposits to total assets | 88.3542% | 1,807 |
| Equity capital to assets | 11.5535% | 2,698 |
| Core capital (leverage) ratio | 11.3655% | 2,083 |
| Tier 1 risk-based capital ratio | 20.2192% | 1,703 |
| Total risk-based capital ratio | 21.6621% | 1,622 |
| Memoranda: | ||
| Average total assets | $9,993,000 | 7,162 |
| Average earning assets | $8,958,000 | 7,148 |
| Average equity | $1,104,500 | 7,153 |
| Average total loans | $5,093,250 | 7,093 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 4,498 |
| Cost of funding earning assets | 0.6420% | 4,515 |
| Net interest margin | 3.6750% | 3,945 |
| Noninterest income to average assets | 0.4367% | 4,383 |
| Noninterest expense to average assets | 2.9974% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7345% | 3,685 |
| Return on assets (ROA) | 0.7345% | 3,954 |
| Pretax return on assets | 0.7345% | 4,726 |
| Return on Equity (ROE) | 6.7436% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.7436% | 2,252 |
| Net charge-offs to loans | -0.0389% | 6,599 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3191% | 2,120 |
| Assets per employee ($millions) | 2.5000% | 6,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8152% | 928 |
| Loan loss allowance to noncurrent loans | 378.9474% | 951 |
| Noncurrent assets plus other real estate owned to assets | 1.6300% | 3,282 |
| Noncurrent loans to loans | 0.7429% | 5,026 |
| Net loans and leases to total assets | 49.7100% | 5,389 |
| Net loans and leases to deposits | 55.9860% | 5,643 |
| Net loans and leases to core deposits | 55.9860% | 5,945 |
| Total domestic deposits to total assets | 88.7900% | 1,644 |
| Equity capital to assets | 11.1800% | 2,915 |
| Core capital (leverage) ratio | 10.8201% | 2,460 |
| Tier 1 risk-based capital ratio | 19.5343% | 1,842 |
| Total risk-based capital ratio | 20.7963% | 1,809 |
| Memoranda: | ||
| Average total assets | $10,075,330 | 7,224 |
| Average earning assets | $9,034,000 | 7,210 |
| Average equity | $1,097,330 | 7,211 |
| Average total loans | $5,136,330 | 7,154 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 4,693 |
| Cost of funding earning assets | 0.6158% | 5,004 |
| Net interest margin | 3.6949% | 3,857 |
| Noninterest income to average assets | 0.4351% | 4,411 |
| Noninterest expense to average assets | 3.1642% | 2,721 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5933% | 4,376 |
| Return on assets (ROA) | 0.5933% | 4,593 |
| Pretax return on assets | 0.5933% | 5,142 |
| Return on Equity (ROE) | 5.5198% | 4,538 |
| Retained earnings to average equity (ytd only) | 5.5198% | 3,244 |
| Net charge-offs to loans | -0.0777% | 6,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2105% | 1,666 |
| Assets per employee ($millions) | 2.7128% | 6,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7676% | 1,036 |
| Loan loss allowance to noncurrent loans | 378.9474% | 894 |
| Noncurrent assets plus other real estate owned to assets | 1.8524% | 3,110 |
| Noncurrent loans to loans | 0.7303% | 5,202 |
| Net loans and leases to total assets | 46.6224% | 5,713 |
| Net loans and leases to deposits | 51.9085% | 5,976 |
| Net loans and leases to core deposits | 51.9085% | 6,211 |
| Total domestic deposits to total assets | 89.8166% | 1,177 |
| Equity capital to assets | 10.0820% | 4,023 |
| Core capital (leverage) ratio | 10.9227% | 2,324 |
| Tier 1 risk-based capital ratio | 18.3586% | 2,184 |
| Total risk-based capital ratio | 19.6212% | 2,150 |
| Memoranda: | ||
| Average total assets | $10,113,000 | 7,286 |
| Average earning assets | $9,093,500 | 7,272 |
| Average equity | $1,087,000 | 7,270 |
| Average total loans | $5,147,000 | 7,214 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9235% | 3,245 |
| Cost of funding earning assets | 0.7118% | 5,462 |
| Net interest margin | 4.2117% | 2,022 |
| Noninterest income to average assets | 0.4541% | 4,187 |
| Noninterest expense to average assets | 3.6328% | 1,681 |
| Loan and lease loss provision to assets | 0.0528% | 5,928 |
| Net operating income to assets | 0.5175% | 4,352 |
| Return on assets (ROA) | 0.5175% | 4,560 |
| Pretax return on assets | 0.5175% | 4,939 |
| Return on Equity (ROE) | 4.6738% | 4,540 |
| Retained earnings to average equity (ytd only) | 4.6738% | 2,867 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4322% | 1,504 |
| Assets per employee ($millions) | 2.3438% | 6,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8089% | 970 |
| Loan loss allowance to noncurrent loans | 376.3158% | 885 |
| Noncurrent assets plus other real estate owned to assets | 2.1760% | 2,763 |
| Noncurrent loans to loans | 0.7464% | 5,204 |
| Net loans and leases to total assets | 52.7787% | 5,191 |
| Net loans and leases to deposits | 59.6936% | 5,526 |
| Net loans and leases to core deposits | 59.6936% | 5,877 |
| Total domestic deposits to total assets | 88.4160% | 1,899 |
| Equity capital to assets | 11.5200% | 2,489 |
| Core capital (leverage) ratio | 11.1193% | 2,176 |
| Tier 1 risk-based capital ratio | 19.0075% | 1,890 |
| Total risk-based capital ratio | 20.2795% | 1,842 |
| Memoranda: | ||
| Average total assets | $9,469,400 | 7,337 |
| Average earning assets | $8,429,000 | 7,326 |
| Average equity | $1,048,400 | 7,327 |
| Average total loans | $5,358,200 | 7,260 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9750% | 3,213 |
| Cost of funding earning assets | 0.7107% | 5,696 |
| Net interest margin | 4.2643% | 1,856 |
| Noninterest income to average assets | 0.4354% | 4,400 |
| Noninterest expense to average assets | 3.5253% | 1,871 |
| Loan and lease loss provision to assets | 0.0703% | 5,572 |
| Net operating income to assets | 0.6320% | 3,958 |
| Return on assets (ROA) | 0.6320% | 4,139 |
| Pretax return on assets | 0.6320% | 4,710 |
| Return on Equity (ROE) | 5.7665% | 4,133 |
| Retained earnings to average equity (ytd only) | 5.7665% | 2,696 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3887% | 1,806 |
| Assets per employee ($millions) | 2.4063% | 6,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7426% | 1,083 |
| Loan loss allowance to noncurrent loans | 348.7805% | 918 |
| Noncurrent assets plus other real estate owned to assets | 2.1506% | 2,973 |
| Noncurrent loans to loans | 0.7863% | 5,307 |
| Net loans and leases to total assets | 52.6857% | 5,360 |
| Net loans and leases to deposits | 59.3863% | 5,710 |
| Net loans and leases to core deposits | 59.3863% | 6,035 |
| Total domestic deposits to total assets | 88.7169% | 1,610 |
| Equity capital to assets | 11.1792% | 2,979 |
| Core capital (leverage) ratio | 11.0047% | 2,383 |
| Tier 1 risk-based capital ratio | 18.4114% | 2,113 |
| Total risk-based capital ratio | 19.8397% | 2,021 |
| Memoranda: | ||
| Average total assets | $9,493,000 | 7,415 |
| Average earning assets | $8,442,000 | 7,404 |
| Average equity | $1,040,500 | 7,406 |
| Average total loans | $5,425,000 | 7,331 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 3,366 |
| Cost of funding earning assets | 0.7151% | 5,872 |
| Net interest margin | 4.2426% | 1,870 |
| Noninterest income to average assets | 0.4445% | 4,321 |
| Noninterest expense to average assets | 3.6829% | 1,563 |
| Loan and lease loss provision to assets | 0.1058% | 4,984 |
| Net operating income to assets | 0.4233% | 4,843 |
| Return on assets (ROA) | 0.4233% | 4,991 |
| Pretax return on assets | 0.4233% | 5,327 |
| Return on Equity (ROE) | 3.8885% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.8885% | 3,722 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4372% | 1,465 |
| Assets per employee ($millions) | 2.4433% | 6,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6467% | 1,246 |
| Loan loss allowance to noncurrent loans | 340.4762% | 935 |
| Noncurrent assets plus other real estate owned to assets | 2.1283% | 3,074 |
| Noncurrent loans to loans | 0.7773% | 5,357 |
| Net loans and leases to total assets | 53.8218% | 5,318 |
| Net loans and leases to deposits | 60.3280% | 5,696 |
| Net loans and leases to core deposits | 60.3280% | 6,062 |
| Total domestic deposits to total assets | 89.2152% | 1,408 |
| Equity capital to assets | 10.7337% | 3,248 |
| Core capital (leverage) ratio | 10.6991% | 2,520 |
| Tier 1 risk-based capital ratio | 17.5382% | 2,323 |
| Total risk-based capital ratio | 18.9643% | 2,224 |
| Memoranda: | ||
| Average total assets | $9,449,000 | 7,491 |
| Average earning assets | $8,391,000 | 7,480 |
| Average equity | $1,028,670 | 7,480 |
| Average total loans | $5,495,330 | 7,402 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1039% | 2,630 |
| Cost of funding earning assets | 0.7291% | 5,983 |
| Net interest margin | 4.3748% | 1,355 |
| Noninterest income to average assets | 0.4307% | 4,448 |
| Noninterest expense to average assets | 3.8333% | 1,284 |
| Loan and lease loss provision to assets | 0.2154% | 3,495 |
| Net operating income to assets | 0.2584% | 5,587 |
| Return on assets (ROA) | 0.2584% | 5,651 |
| Pretax return on assets | 0.2584% | 5,785 |
| Return on Equity (ROE) | 2.3564% | 5,651 |
| Retained earnings to average equity (ytd only) | 2.3564% | 4,732 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0000% | 1,419 |
| Assets per employee ($millions) | 2.4345% | 7,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6109% | 1,297 |
| Loan loss allowance to noncurrent loans | 304.2553% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 2.2078% | 3,053 |
| Noncurrent loans to loans | 0.8581% | 5,328 |
| Net loans and leases to total assets | 54.7751% | 5,200 |
| Net loans and leases to deposits | 61.2681% | 5,593 |
| Net loans and leases to core deposits | 61.2681% | 5,994 |
| Total domestic deposits to total assets | 89.4023% | 1,532 |
| Equity capital to assets | 10.4950% | 3,179 |
| Core capital (leverage) ratio | 10.9087% | 2,259 |
| Tier 1 risk-based capital ratio | 17.3336% | 2,363 |
| Total risk-based capital ratio | 18.7638% | 2,254 |
| Memoranda: | ||
| Average total assets | $9,287,000 | 7,551 |
| Average earning assets | $8,229,000 | 7,541 |
| Average equity | $1,018,500 | 7,535 |
| Average total loans | $5,541,500 | 7,459 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7065% | 1,547 |
| Cost of funding earning assets | 1.0870% | 5,204 |
| Net interest margin | 4.6196% | 972 |
| Noninterest income to average assets | 0.0228% | 7,210 |
| Noninterest expense to average assets | 4.3642% | 757 |
| Loan and lease loss provision to assets | 0.0228% | 6,896 |
| Net operating income to assets | -0.2856% | 6,200 |
| Return on assets (ROA) | -0.2856% | 6,245 |
| Pretax return on assets | -0.2856% | 6,151 |
| Return on Equity (ROE) | -2.4329% | 6,224 |
| Retained earnings to average equity (ytd only) | -2.4329% | 6,037 |
| Net charge-offs to loans | -0.0171% | 7,354 |
| Credit loss provision to net charge-offs | -200.0000% | 7,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4067% | 617 |
| Assets per employee ($millions) | 1.7672% | 7,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4616% | 1,454 |
| Loan loss allowance to noncurrent loans | 184.0000% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 2.5124% | 2,763 |
| Noncurrent loans to loans | 1.3379% | 4,484 |
| Net loans and leases to total assets | 61.8832% | 4,312 |
| Net loans and leases to deposits | 69.9680% | 4,817 |
| Net loans and leases to core deposits | 69.9680% | 5,446 |
| Total domestic deposits to total assets | 88.4450% | 1,985 |
| Equity capital to assets | 11.4871% | 2,269 |
| Core capital (leverage) ratio | 11.2770% | 1,965 |
| Tier 1 risk-based capital ratio | 17.4754% | 2,183 |
| Total risk-based capital ratio | 18.9087% | 2,074 |
| Memoranda: | ||
| Average total assets | $8,753,000 | 7,636 |
| Average earning assets | $7,728,000 | 7,622 |
| Average equity | $1,027,600 | 7,630 |
| Average total loans | $5,831,800 | 7,536 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7895% | 1,427 |
| Cost of funding earning assets | 1.1579% | 5,100 |
| Net interest margin | 4.6315% | 975 |
| Noninterest income to average assets | 0.1374% | 6,870 |
| Noninterest expense to average assets | 4.3210% | 730 |
| Loan and lease loss provision to assets | 0.1068% | 5,966 |
| Net operating income to assets | -0.1985% | 6,319 |
| Return on assets (ROA) | -0.1985% | 6,382 |
| Pretax return on assets | -0.1985% | 6,317 |
| Return on Equity (ROE) | -1.6813% | 6,360 |
| Retained earnings to average equity (ytd only) | -1.6813% | 6,132 |
| Net charge-offs to loans | -0.0226% | 7,369 |
| Credit loss provision to net charge-offs | -700.0000% | 7,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1661% | 680 |
| Assets per employee ($millions) | 1.7922% | 7,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4706% | 1,373 |
| Loan loss allowance to noncurrent loans | 89.9371% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 3.3702% | 2,113 |
| Noncurrent loans to loans | 2.7471% | 2,890 |
| Net loans and leases to total assets | 62.9952% | 4,324 |
| Net loans and leases to deposits | 71.2753% | 4,952 |
| Net loans and leases to core deposits | 71.2753% | 5,604 |
| Total domestic deposits to total assets | 88.3830% | 1,740 |
| Equity capital to assets | 11.4943% | 2,535 |
| Core capital (leverage) ratio | 11.4117% | 2,002 |
| Tier 1 risk-based capital ratio | 17.2733% | 2,250 |
| Total risk-based capital ratio | 18.6889% | 2,156 |
| Memoranda: | ||
| Average total assets | $8,732,250 | 7,739 |
| Average earning assets | $7,715,000 | 7,726 |
| Average equity | $1,030,750 | 7,729 |
| Average total loans | $5,888,250 | 7,633 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9240% | 1,129 |
| Cost of funding earning assets | 1.3368% | 4,282 |
| Net interest margin | 4.5872% | 1,029 |
| Noninterest income to average assets | -0.0462% | 7,585 |
| Noninterest expense to average assets | 4.3207% | 707 |
| Loan and lease loss provision to assets | 0.1617% | 5,273 |
| Net operating income to assets | -0.4852% | 6,639 |
| Return on assets (ROA) | -0.4852% | 6,676 |
| Pretax return on assets | -0.4852% | 6,574 |
| Return on Equity (ROE) | -4.0737% | 6,624 |
| Retained earnings to average equity (ytd only) | -4.0737% | 6,449 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0925% | 586 |
| Assets per employee ($millions) | 1.7852% | 7,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4056% | 1,428 |
| Loan loss allowance to noncurrent loans | 124.5614% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 2.8792% | 2,499 |
| Noncurrent loans to loans | 1.9312% | 3,827 |
| Net loans and leases to total assets | 64.5418% | 4,151 |
| Net loans and leases to deposits | 72.9333% | 4,845 |
| Net loans and leases to core deposits | 72.9333% | 5,566 |
| Total domestic deposits to total assets | 88.4943% | 1,732 |
| Equity capital to assets | 11.4385% | 2,490 |
| Core capital (leverage) ratio | 11.6602% | 1,832 |
| Tier 1 risk-based capital ratio | 16.5878% | 2,440 |
| Total risk-based capital ratio | 18.0069% | 2,327 |
| Memoranda: | ||
| Average total assets | $8,656,000 | 7,810 |
| Average earning assets | $7,630,000 | 7,795 |
| Average equity | $1,031,000 | 7,794 |
| Average total loans | $5,921,670 | 7,700 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0784% | 816 |
| Cost of funding earning assets | 1.3863% | 4,267 |
| Net interest margin | 4.6921% | 794 |
| Noninterest income to average assets | 0.3286% | 5,516 |
| Noninterest expense to average assets | 4.8821% | 400 |
| Loan and lease loss provision to assets | 0.0939% | 5,689 |
| Net operating income to assets | -0.5164% | 6,840 |
| Return on assets (ROA) | -0.5164% | 6,867 |
| Pretax return on assets | -0.5164% | 6,798 |
| Return on Equity (ROE) | -4.2471% | 6,843 |
| Retained earnings to average equity (ytd only) | -4.2471% | 6,530 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4737% | 614 |
| Assets per employee ($millions) | 1.7120% | 7,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2891% | 1,594 |
| Loan loss allowance to noncurrent loans | 207.5758% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 2.3248% | 3,122 |
| Noncurrent loans to loans | 1.1028% | 5,152 |
| Net loans and leases to total assets | 68.3178% | 3,306 |
| Net loans and leases to deposits | 77.8177% | 4,079 |
| Net loans and leases to core deposits | 77.8177% | 5,044 |
| Total domestic deposits to total assets | 87.7921% | 2,184 |
| Equity capital to assets | 12.0444% | 2,017 |
| Core capital (leverage) ratio | 12.1409% | 1,576 |
| Tier 1 risk-based capital ratio | 16.8914% | 2,302 |
| Total risk-based capital ratio | 18.3059% | 2,203 |
| Memoranda: | ||
| Average total assets | $8,521,000 | 7,912 |
| Average earning assets | $7,502,000 | 7,898 |
| Average equity | $1,036,000 | 7,887 |
| Average total loans | $5,931,000 | 7,798 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1812% | 1,289 |
| Cost of funding earning assets | 1.6590% | 4,740 |
| Net interest margin | 4.5222% | 1,127 |
| Noninterest income to average assets | 0.5702% | 3,862 |
| Noninterest expense to average assets | 4.6713% | 671 |
| Loan and lease loss provision to assets | 1.4145% | 1,620 |
| Net operating income to assets | -1.4803% | 6,844 |
| Return on assets (ROA) | -1.4803% | 6,856 |
| Pretax return on assets | -1.4803% | 6,690 |
| Return on Equity (ROE) | -12.2549% | 6,786 |
| Retained earnings to average equity (ytd only) | -12.2549% | 6,703 |
| Net charge-offs to loans | 1.4451% | 1,738 |
| Credit loss provision to net charge-offs | 146.5909% | 3,227 |
| Earnings coverage of net charge-offs (x) | -0.0682% | 6,293 |
| Efficiency ratio | 101.4286% | 1,034 |
| Assets per employee ($millions) | 1.6964% | 7,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2971% | 1,490 |
| Loan loss allowance to noncurrent loans | 201.4925% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 2.4405% | 2,851 |
| Noncurrent loans to loans | 1.1400% | 5,053 |
| Net loans and leases to total assets | 67.6963% | 3,771 |
| Net loans and leases to deposits | 79.9610% | 4,003 |
| Net loans and leases to core deposits | 81.0902% | 5,991 |
| Total domestic deposits to total assets | 84.6616% | 3,725 |
| Equity capital to assets | 12.2730% | 1,867 |
| Core capital (leverage) ratio | 12.0937% | 1,624 |
| Tier 1 risk-based capital ratio | 16.8233% | 2,197 |
| Total risk-based capital ratio | 18.2334% | 2,122 |
| Memoranda: | ||
| Average total assets | $9,119,600 | 7,978 |
| Average earning assets | $8,137,600 | 7,964 |
| Average equity | $1,101,600 | 7,971 |
| Average total loans | $6,089,400 | 7,855 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1113% | 1,607 |
| Cost of funding earning assets | 1.7163% | 4,819 |
| Net interest margin | 4.3950% | 1,453 |
| Noninterest income to average assets | 0.5316% | 4,222 |
| Noninterest expense to average assets | 4.5837% | 669 |
| Loan and lease loss provision to assets | 1.7243% | 1,076 |
| Net operating income to assets | -1.8392% | 7,252 |
| Return on assets (ROA) | -1.8392% | 7,247 |
| Pretax return on assets | -1.8392% | 7,105 |
| Return on Equity (ROE) | -15.2818% | 7,202 |
| Retained earnings to average equity (ytd only) | -15.2818% | 7,151 |
| Net charge-offs to loans | 1.9101% | 1,047 |
| Credit loss provision to net charge-offs | 136.3636% | 3,635 |
| Earnings coverage of net charge-offs (x) | -0.0909% | 6,167 |
| Efficiency ratio | 102.5723% | 960 |
| Assets per employee ($millions) | 1.8038% | 7,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1454% | 1,511 |
| Loan loss allowance to noncurrent loans | 203.2258% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 2.2397% | 3,049 |
| Noncurrent loans to loans | 1.0557% | 5,206 |
| Net loans and leases to total assets | 63.7210% | 4,922 |
| Net loans and leases to deposits | 74.6073% | 5,279 |
| Net loans and leases to core deposits | 81.3907% | 6,245 |
| Total domestic deposits to total assets | 85.4086% | 3,021 |
| Equity capital to assets | 11.6088% | 2,499 |
| Core capital (leverage) ratio | 11.5245% | 2,066 |
| Tier 1 risk-based capital ratio | 16.5925% | 2,395 |
| Total risk-based capital ratio | 18.0070% | 2,295 |
| Memoranda: | ||
| Average total assets | $9,279,000 | 8,062 |
| Average earning assets | $8,312,250 | 8,050 |
| Average equity | $1,116,750 | 8,053 |
| Average total loans | $6,142,500 | 7,931 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0853% | 1,835 |
| Cost of funding earning assets | 1.6877% | 5,333 |
| Net interest margin | 4.3976% | 1,415 |
| Noninterest income to average assets | 0.4912% | 4,519 |
| Noninterest expense to average assets | 4.6126% | 689 |
| Loan and lease loss provision to assets | 0.9182% | 1,838 |
| Net operating income to assets | -1.0891% | 7,046 |
| Return on assets (ROA) | -1.0891% | 7,045 |
| Pretax return on assets | -1.0891% | 6,874 |
| Return on Equity (ROE) | -8.9474% | 6,962 |
| Retained earnings to average equity (ytd only) | -8.9474% | 6,765 |
| Net charge-offs to loans | 2.4068% | 739 |
| Credit loss provision to net charge-offs | 57.3333% | 5,641 |
| Earnings coverage of net charge-offs (x) | -0.1067% | 5,799 |
| Efficiency ratio | 103.8462% | 1,037 |
| Assets per employee ($millions) | 1.8310% | 7,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 6,088 |
| Loan loss allowance to noncurrent loans | 14.0909% | 7,396 |
| Noncurrent assets plus other real estate owned to assets | 5.2103% | 989 |
| Noncurrent loans to loans | 7.2261% | 663 |
| Net loans and leases to total assets | 65.8329% | 4,593 |
| Net loans and leases to deposits | 77.6075% | 4,932 |
| Net loans and leases to core deposits | 84.6013% | 6,040 |
| Total domestic deposits to total assets | 84.8280% | 3,342 |
| Equity capital to assets | 12.2774% | 2,042 |
| Core capital (leverage) ratio | 12.1084% | 1,791 |
| Tier 1 risk-based capital ratio | 17.9561% | 2,037 |
| Total risk-based capital ratio | 18.9492% | 2,040 |
| Memoranda: | ||
| Average total assets | $9,365,670 | 8,156 |
| Average earning assets | $8,413,670 | 8,139 |
| Average equity | $1,140,000 | 8,140 |
| Average total loans | $6,232,330 | 8,019 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9455% | 2,580 |
| Cost of funding earning assets | 1.7459% | 5,375 |
| Net interest margin | 4.1996% | 1,902 |
| Noninterest income to average assets | 0.2956% | 6,071 |
| Noninterest expense to average assets | 4.7725% | 562 |
| Loan and lease loss provision to assets | 1.8161% | 679 |
| Net operating income to assets | -2.5341% | 7,771 |
| Return on assets (ROA) | -2.5341% | 7,771 |
| Pretax return on assets | -2.5341% | 7,668 |
| Return on Equity (ROE) | -20.9059% | 7,774 |
| Retained earnings to average equity (ytd only) | -20.9059% | 7,673 |
| Net charge-offs to loans | 4.6320% | 241 |
| Credit loss provision to net charge-offs | 58.9041% | 4,537 |
| Earnings coverage of net charge-offs (x) | -0.2329% | 5,154 |
| Efficiency ratio | 117.7083% | 663 |
| Assets per employee ($millions) | 1.9228% | 7,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 6,047 |
| Loan loss allowance to noncurrent loans | 26.1224% | 6,831 |
| Noncurrent assets plus other real estate owned to assets | 3.1933% | 1,738 |
| Noncurrent loans to loans | 3.8976% | 1,569 |
| Net loans and leases to total assets | 64.7181% | 4,858 |
| Net loans and leases to deposits | 77.9992% | 4,923 |
| Net loans and leases to core deposits | 84.8262% | 5,992 |
| Total domestic deposits to total assets | 82.9727% | 4,164 |
| Equity capital to assets | 11.6289% | 2,496 |
| Core capital (leverage) ratio | 11.7411% | 2,024 |
| Tier 1 risk-based capital ratio | 17.5394% | 2,176 |
| Total risk-based capital ratio | 18.5489% | 2,190 |
| Memoranda: | ||
| Average total assets | $9,471,000 | 8,202 |
| Average earning assets | $8,477,000 | 8,185 |
| Average equity | $1,148,000 | 8,192 |
| Average total loans | $6,304,000 | 8,066 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1073% | 902 |
| Cost of funding earning assets | 1.9676% | 6,517 |
| Net interest margin | 5.1396% | 374 |
| Noninterest income to average assets | 0.8937% | 1,979 |
| Noninterest expense to average assets | 4.7629% | 730 |
| Loan and lease loss provision to assets | 0.3049% | 3,935 |
| Net operating income to assets | 0.3575% | 5,321 |
| Return on assets (ROA) | 0.3575% | 5,124 |
| Pretax return on assets | 0.3575% | 5,366 |
| Return on Equity (ROE) | 2.8595% | 5,285 |
| Retained earnings to average equity (ytd only) | 2.8595% | 3,397 |
| Net charge-offs to loans | -0.0164% | 7,905 |
| Credit loss provision to net charge-offs | -2,900.0000% | 7,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7907% | 1,697 |
| Assets per employee ($millions) | 1.5547% | 8,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 2,761 |
| Loan loss allowance to noncurrent loans | 41.5929% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 3.0875% | 1,486 |
| Noncurrent loans to loans | 3.5748% | 1,414 |
| Net loans and leases to total assets | 66.7667% | 4,692 |
| Net loans and leases to deposits | 81.5397% | 4,787 |
| Net loans and leases to core deposits | 89.0223% | 5,889 |
| Total domestic deposits to total assets | 81.8825% | 4,246 |
| Equity capital to assets | 12.6286% | 1,955 |
| Core capital (leverage) ratio | 12.4628% | 1,769 |
| Tier 1 risk-based capital ratio | 18.7700% | 1,858 |
| Total risk-based capital ratio | 20.1794% | 1,782 |
| Memoranda: | ||
| Average total assets | $9,511,000 | 8,255 |
| Average earning assets | $8,385,800 | 8,242 |
| Average equity | $1,189,000 | 8,252 |
| Average total loans | $6,094,400 | 8,120 |