Home > Texico State Bank > Performance and Condition Ratios
Texico State Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5875% | 4,509 |
| Cost of funding earning assets | 0.1950% | 3,658 |
| Net interest margin | 2.3925% | 4,405 |
| Noninterest income to average assets | 0.3599% | 3,303 |
| Noninterest expense to average assets | 6.2418% | 119 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -3.5987% | 4,899 |
| Return on assets (ROA) | -3.5987% | 4,899 |
| Pretax return on assets | -3.5987% | 4,898 |
| Return on Equity (ROE) | -60.6283% | 4,911 |
| Retained earnings to average equity (ytd only) | -60.6283% | 4,908 |
| Net charge-offs to loans | 0.7665% | 99 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | -11.1538% | 2,439 |
| Efficiency ratio | 236.1502% | 19 |
| Assets per employee ($millions) | 5.1315% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 3,833 |
| Loan loss allowance to noncurrent loans | 104.0000% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 2,563 |
| Noncurrent loans to loans | 0.9641% | 1,191 |
| Net loans and leases to total assets | 25.0122% | 4,730 |
| Net loans and leases to deposits | 26.2636% | 4,763 |
| Net loans and leases to core deposits | 26.2636% | 4,773 |
| Total domestic deposits to total assets | 95.2353% | 3 |
| Equity capital to assets | 4.5114% | 4,910 |
| Core capital (leverage) ratio | 4.6891% | 4,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2082% | 1,571 |
| Memoranda: | ||
| Average total assets | $10,744,500 | 4,914 |
| Average earning assets | $10,254,000 | 4,900 |
| Average equity | $637,750 | 4,913 |
| Average total loans | $4,522,750 | 4,867 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6978% | 4,458 |
| Cost of funding earning assets | 0.2090% | 3,665 |
| Net interest margin | 2.4888% | 4,323 |
| Noninterest income to average assets | 0.4768% | 2,726 |
| Noninterest expense to average assets | 5.8872% | 129 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -3.0078% | 4,933 |
| Return on assets (ROA) | -3.0078% | 4,932 |
| Pretax return on assets | -3.0078% | 4,929 |
| Return on Equity (ROE) | -47.1264% | 4,944 |
| Retained earnings to average equity (ytd only) | -47.1264% | 4,938 |
| Net charge-offs to loans | 1.0066% | 81 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | -6.3077% | 2,227 |
| Efficiency ratio | 204.4586% | 22 |
| Assets per employee ($millions) | 3.3687% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6629% | 4,587 |
| Loan loss allowance to noncurrent loans | 20.4724% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.2567% | 525 |
| Noncurrent loans to loans | 3.2381% | 210 |
| Net loans and leases to total assets | 38.5514% | 4,362 |
| Net loans and leases to deposits | 41.1231% | 4,481 |
| Net loans and leases to core deposits | 41.1231% | 4,554 |
| Total domestic deposits to total assets | 93.7463% | 12 |
| Equity capital to assets | 5.8282% | 4,926 |
| Core capital (leverage) ratio | 5.5946% | 4,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4990% | 889 |
| Memoranda: | ||
| Average total assets | $10,905,000 | 4,950 |
| Average earning assets | $10,527,000 | 4,934 |
| Average equity | $696,000 | 4,947 |
| Average total loans | $5,166,000 | 4,900 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7183% | 4,457 |
| Cost of funding earning assets | 0.2899% | 3,099 |
| Net interest margin | 2.4283% | 4,385 |
| Noninterest income to average assets | 0.2831% | 3,706 |
| Noninterest expense to average assets | 2.9015% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.2477% | 4,852 |
| Return on assets (ROA) | -0.2477% | 4,858 |
| Pretax return on assets | -0.2477% | 4,847 |
| Return on Equity (ROE) | -3.7358% | 4,888 |
| Retained earnings to average equity (ytd only) | -3.7358% | 4,633 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.3333% | 116 |
| Assets per employee ($millions) | 3.5083% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,746 |
| Loan loss allowance to noncurrent loans | 179.3103% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 2,774 |
| Noncurrent loans to loans | 0.5720% | 2,140 |
| Net loans and leases to total assets | 47.6770% | 3,846 |
| Net loans and leases to deposits | 51.4297% | 4,073 |
| Net loans and leases to core deposits | 51.4297% | 4,220 |
| Total domestic deposits to total assets | 92.7031% | 57 |
| Equity capital to assets | 7.0879% | 4,824 |
| Core capital (leverage) ratio | 6.1536% | 4,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3167% | 1,808 |
| Memoranda: | ||
| Average total assets | $11,304,500 | 4,975 |
| Average earning assets | $11,036,500 | 4,959 |
| Average equity | $749,500 | 4,973 |
| Average total loans | $5,788,000 | 4,919 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3001% | 4,332 |
| Cost of funding earning assets | 0.2611% | 4,335 |
| Net interest margin | 3.0390% | 3,793 |
| Noninterest income to average assets | 1.8431% | 375 |
| Noninterest expense to average assets | 4.1925% | 313 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5975% | 3,765 |
| Return on assets (ROA) | 0.5975% | 3,876 |
| Pretax return on assets | 0.5975% | 4,086 |
| Return on Equity (ROE) | 8.2795% | 2,701 |
| Retained earnings to average equity (ytd only) | 8.2795% | 976 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5264% | 464 |
| Assets per employee ($millions) | 4.0280% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7993% | 4,429 |
| Loan loss allowance to noncurrent loans | 167.7419% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 3,013 |
| Noncurrent loans to loans | 0.4765% | 2,543 |
| Net loans and leases to total assets | 53.4095% | 3,540 |
| Net loans and leases to deposits | 71.7829% | 2,707 |
| Net loans and leases to core deposits | 71.7829% | 3,096 |
| Total domestic deposits to total assets | 74.4042% | 4,616 |
| Equity capital to assets | 6.2314% | 4,972 |
| Core capital (leverage) ratio | 6.4194% | 4,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0635% | 2,905 |
| Memoranda: | ||
| Average total assets | $9,874,800 | 5,001 |
| Average earning assets | $9,575,600 | 4,986 |
| Average equity | $712,600 | 4,999 |
| Average total loans | $4,897,200 | 4,952 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4435% | 4,296 |
| Cost of funding earning assets | 0.2956% | 4,334 |
| Net interest margin | 3.1480% | 3,626 |
| Noninterest income to average assets | 2.4456% | 245 |
| Noninterest expense to average assets | 4.6767% | 219 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8152% | 3,034 |
| Return on assets (ROA) | 0.8152% | 3,155 |
| Pretax return on assets | 0.8152% | 3,605 |
| Return on Equity (ROE) | 10.8182% | 1,743 |
| Retained earnings to average equity (ytd only) | 10.8182% | 611 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1563% | 551 |
| Assets per employee ($millions) | 3.7657% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7860% | 4,390 |
| Loan loss allowance to noncurrent loans | 162.5000% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 3,030 |
| Noncurrent loans to loans | 0.4837% | 2,616 |
| Net loans and leases to total assets | 58.1039% | 3,405 |
| Net loans and leases to deposits | 80.0390% | 2,311 |
| Net loans and leases to core deposits | 80.0390% | 2,839 |
| Total domestic deposits to total assets | 72.5945% | 4,664 |
| Equity capital to assets | 6.6478% | 4,982 |
| Core capital (leverage) ratio | 10.1036% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7295% | 2,983 |
| Memoranda: | ||
| Average total assets | $9,322,500 | 5,034 |
| Average earning assets | $9,021,500 | 5,019 |
| Average equity | $702,500 | 5,031 |
| Average total loans | $4,495,000 | 4,987 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7092% | 4,068 |
| Cost of funding earning assets | 0.3111% | 4,439 |
| Net interest margin | 3.3981% | 3,111 |
| Noninterest income to average assets | 0.3232% | 3,527 |
| Noninterest expense to average assets | 4.3165% | 296 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.7156% | 4,936 |
| Return on assets (ROA) | -0.7156% | 4,933 |
| Pretax return on assets | -0.7156% | 4,926 |
| Return on Equity (ROE) | -9.0335% | 4,979 |
| Retained earnings to average equity (ytd only) | -9.0335% | 4,899 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.8718% | 92 |
| Assets per employee ($millions) | 3.0940% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 3,298 |
| Loan loss allowance to noncurrent loans | 157.5758% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 2,872 |
| Noncurrent loans to loans | 0.6694% | 2,192 |
| Net loans and leases to total assets | 52.5533% | 3,989 |
| Net loans and leases to deposits | 59.7574% | 4,131 |
| Net loans and leases to core deposits | 59.7574% | 4,276 |
| Total domestic deposits to total assets | 87.9444% | 1,206 |
| Equity capital to assets | 7.1429% | 4,948 |
| Core capital (leverage) ratio | 8.1741% | 4,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9840% | 2,186 |
| Memoranda: | ||
| Average total assets | $8,664,333 | 5,068 |
| Average earning assets | $8,357,667 | 5,054 |
| Average equity | $686,333 | 5,064 |
| Average total loans | $3,788,000 | 5,025 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9306% | 3,975 |
| Cost of funding earning assets | 0.3483% | 4,521 |
| Net interest margin | 3.5823% | 2,726 |
| Noninterest income to average assets | 0.5745% | 2,155 |
| Noninterest expense to average assets | 3.6383% | 772 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3830% | 4,173 |
| Return on assets (ROA) | 0.3830% | 4,207 |
| Pretax return on assets | 0.3830% | 4,322 |
| Return on Equity (ROE) | 4.5845% | 3,787 |
| Retained earnings to average equity (ytd only) | 4.5845% | 2,465 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4762% | 482 |
| Assets per employee ($millions) | 2.8113% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 1,058 |
| Loan loss allowance to noncurrent loans | 157.5758% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 2,881 |
| Noncurrent loans to loans | 1.0176% | 1,629 |
| Net loans and leases to total assets | 37.8350% | 4,732 |
| Net loans and leases to deposits | 41.3663% | 4,812 |
| Net loans and leases to core deposits | 41.3663% | 4,854 |
| Total domestic deposits to total assets | 91.4631% | 72 |
| Equity capital to assets | 8.3235% | 4,888 |
| Core capital (leverage) ratio | 8.3821% | 4,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4553% | 701 |
| Memoranda: | ||
| Average total assets | $8,355,500 | 5,118 |
| Average earning assets | $8,039,500 | 5,104 |
| Average equity | $698,000 | 5,114 |
| Average total loans | $3,217,000 | 5,077 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 4,282 |
| Cost of funding earning assets | 0.3110% | 4,705 |
| Net interest margin | 3.6800% | 2,872 |
| Noninterest income to average assets | 0.1761% | 4,607 |
| Noninterest expense to average assets | 3.7241% | 737 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.0252% | 4,960 |
| Return on assets (ROA) | 0.0252% | 4,979 |
| Pretax return on assets | 0.0252% | 4,976 |
| Return on Equity (ROE) | 0.2860% | 4,975 |
| Retained earnings to average equity (ytd only) | 0.2860% | 4,608 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3289% | 165 |
| Assets per employee ($millions) | 2.7590% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4729% | 1,295 |
| Loan loss allowance to noncurrent loans | 142.4242% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 2,804 |
| Noncurrent loans to loans | 1.0342% | 1,466 |
| Net loans and leases to total assets | 37.9848% | 4,798 |
| Net loans and leases to deposits | 41.6479% | 4,874 |
| Net loans and leases to core deposits | 41.6479% | 4,910 |
| Total domestic deposits to total assets | 91.2045% | 91 |
| Equity capital to assets | 8.3847% | 4,957 |
| Core capital (leverage) ratio | 8.4356% | 4,877 |
| Tier 1 risk-based capital ratio | 20.5022% | 1,249 |
| Total risk-based capital ratio | 21.7725% | 1,217 |
| Memoranda: | ||
| Average total assets | $7,948,200 | 5,180 |
| Average earning assets | $7,717,400 | 5,165 |
| Average equity | $699,400 | 5,176 |
| Average total loans | $3,282,400 | 5,138 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 4,314 |
| Cost of funding earning assets | 0.2961% | 4,804 |
| Net interest margin | 3.7264% | 2,832 |
| Noninterest income to average assets | 0.1865% | 4,605 |
| Noninterest expense to average assets | 3.5086% | 934 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3051% | 4,837 |
| Return on assets (ROA) | 0.3051% | 4,856 |
| Pretax return on assets | 0.3051% | 4,903 |
| Return on Equity (ROE) | 3.4249% | 4,697 |
| Retained earnings to average equity (ytd only) | 3.4249% | 3,699 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0000% | 270 |
| Assets per employee ($millions) | 4.0920% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,225 |
| Loan loss allowance to noncurrent loans | 130.5556% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 2,762 |
| Noncurrent loans to loans | 1.1550% | 1,368 |
| Net loans and leases to total assets | 37.5122% | 4,880 |
| Net loans and leases to deposits | 41.2690% | 4,968 |
| Net loans and leases to core deposits | 41.2690% | 5,007 |
| Total domestic deposits to total assets | 90.8969% | 112 |
| Equity capital to assets | 8.6755% | 4,936 |
| Core capital (leverage) ratio | 8.9862% | 4,649 |
| Tier 1 risk-based capital ratio | 21.2830% | 1,155 |
| Total risk-based capital ratio | 22.5420% | 1,133 |
| Memoranda: | ||
| Average total assets | $7,866,000 | 5,260 |
| Average earning assets | $7,657,000 | 5,244 |
| Average equity | $700,750 | 5,254 |
| Average total loans | $3,305,250 | 5,216 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0541% | 4,267 |
| Cost of funding earning assets | 0.3180% | 4,776 |
| Net interest margin | 3.7361% | 2,810 |
| Noninterest income to average assets | 0.1804% | 4,668 |
| Noninterest expense to average assets | 3.5309% | 921 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2835% | 4,895 |
| Return on assets (ROA) | 0.2835% | 4,905 |
| Pretax return on assets | 0.2835% | 4,951 |
| Return on Equity (ROE) | 3.1534% | 4,762 |
| Retained earnings to average equity (ytd only) | 3.1534% | 3,642 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5676% | 268 |
| Assets per employee ($millions) | 3.8695% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 1,468 |
| Loan loss allowance to noncurrent loans | 123.6842% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.4910% | 2,578 |
| Noncurrent loans to loans | 1.1617% | 1,393 |
| Net loans and leases to total assets | 41.6591% | 4,792 |
| Net loans and leases to deposits | 46.0046% | 4,902 |
| Net loans and leases to core deposits | 46.0046% | 4,960 |
| Total domestic deposits to total assets | 90.5543% | 185 |
| Equity capital to assets | 9.0839% | 4,748 |
| Core capital (leverage) ratio | 8.9990% | 4,628 |
| Tier 1 risk-based capital ratio | 20.8977% | 1,191 |
| Total risk-based capital ratio | 22.2057% | 1,168 |
| Memoranda: | ||
| Average total assets | $7,760,000 | 5,307 |
| Average earning assets | $7,548,000 | 5,292 |
| Average equity | $697,670 | 5,302 |
| Average total loans | $3,368,000 | 5,264 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0268% | 4,311 |
| Cost of funding earning assets | 0.3179% | 4,787 |
| Net interest margin | 3.7089% | 2,860 |
| Noninterest income to average assets | 0.2574% | 4,168 |
| Noninterest expense to average assets | 3.5519% | 903 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3089% | 4,885 |
| Return on assets (ROA) | 0.3089% | 4,894 |
| Pretax return on assets | 0.3089% | 4,952 |
| Return on Equity (ROE) | 3.4532% | 4,687 |
| Retained earnings to average equity (ytd only) | 3.4532% | 3,532 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0000% | 328 |
| Assets per employee ($millions) | 3.8390% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 1,816 |
| Loan loss allowance to noncurrent loans | 114.6341% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 2,503 |
| Noncurrent loans to loans | 1.1894% | 1,392 |
| Net loans and leases to total assets | 44.2824% | 4,736 |
| Net loans and leases to deposits | 48.8365% | 4,857 |
| Net loans and leases to core deposits | 48.8365% | 4,920 |
| Total domestic deposits to total assets | 90.6747% | 237 |
| Equity capital to assets | 9.0909% | 4,624 |
| Core capital (leverage) ratio | 9.0803% | 4,596 |
| Tier 1 risk-based capital ratio | 19.7064% | 1,399 |
| Total risk-based capital ratio | 20.9486% | 1,375 |
| Memoranda: | ||
| Average total assets | $7,770,500 | 5,365 |
| Average earning assets | $7,549,500 | 5,349 |
| Average equity | $695,000 | 5,361 |
| Average total loans | $3,416,500 | 5,323 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0834% | 3,788 |
| Cost of funding earning assets | 0.2178% | 4,932 |
| Net interest margin | 3.8656% | 2,442 |
| Noninterest income to average assets | 0.2340% | 4,513 |
| Noninterest expense to average assets | 3.8479% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0780% | 5,197 |
| Return on assets (ROA) | 0.0780% | 5,188 |
| Pretax return on assets | 0.0780% | 5,189 |
| Return on Equity (ROE) | 0.8723% | 5,173 |
| Retained earnings to average equity (ytd only) | 0.8723% | 4,749 |
| Net charge-offs to loans | 0.0585% | 2,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,463 |
| Efficiency ratio | 98.0132% | 173 |
| Assets per employee ($millions) | 3.9315% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 1,685 |
| Loan loss allowance to noncurrent loans | 114.6341% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 2,505 |
| Noncurrent loans to loans | 1.2109% | 1,320 |
| Net loans and leases to total assets | 42.4647% | 4,864 |
| Net loans and leases to deposits | 46.6797% | 4,969 |
| Net loans and leases to core deposits | 46.6797% | 5,016 |
| Total domestic deposits to total assets | 90.9704% | 212 |
| Equity capital to assets | 8.8007% | 4,737 |
| Core capital (leverage) ratio | 9.2107% | 4,446 |
| Tier 1 risk-based capital ratio | 19.1107% | 1,500 |
| Total risk-based capital ratio | 20.4087% | 1,447 |
| Memoranda: | ||
| Average total assets | $7,692,600 | 5,409 |
| Average earning assets | $7,346,800 | 5,395 |
| Average equity | $687,800 | 5,404 |
| Average total loans | $3,420,600 | 5,370 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1273% | 3,546 |
| Cost of funding earning assets | 0.1834% | 5,083 |
| Net interest margin | 3.9439% | 2,150 |
| Noninterest income to average assets | 0.1742% | 4,914 |
| Noninterest expense to average assets | 3.9214% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.0000% | 5,299 |
| Return on assets (ROA) | 0.0000% | 5,296 |
| Pretax return on assets | 0.0000% | 5,295 |
| Return on Equity (ROE) | 0.0000% | 5,296 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,033 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 153 |
| Assets per employee ($millions) | 3.6655% | 4,353 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 1,363 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 2.6872% | 303 |
| Noncurrent loans to loans | 1.4953% | 1,096 |
| Net loans and leases to total assets | 44.0322% | 4,879 |
| Net loans and leases to deposits | 48.7392% | 4,994 |
| Net loans and leases to core deposits | 48.7392% | 5,050 |
| Total domestic deposits to total assets | 90.3424% | 397 |
| Equity capital to assets | 9.3712% | 4,208 |
| Core capital (leverage) ratio | 9.3001% | 4,401 |
| Tier 1 risk-based capital ratio | 19.2653% | 1,481 |
| Total risk-based capital ratio | 20.5272% | 1,447 |
| Memoranda: | ||
| Average total assets | $7,650,000 | 5,481 |
| Average earning assets | $7,268,500 | 5,466 |
| Average equity | $686,750 | 5,475 |
| Average total loans | $3,429,250 | 5,440 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,640 |
| Cost of funding earning assets | 0.1899% | 5,074 |
| Net interest margin | 3.8526% | 2,374 |
| Noninterest income to average assets | 0.1805% | 4,924 |
| Noninterest expense to average assets | 3.8936% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.0516% | 5,363 |
| Return on assets (ROA) | -0.0516% | 5,356 |
| Pretax return on assets | -0.0516% | 5,355 |
| Return on Equity (ROE) | -0.5825% | 5,364 |
| Retained earnings to average equity (ytd only) | -0.5825% | 5,039 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3423% | 155 |
| Assets per employee ($millions) | 3.8625% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 1,572 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 2.5502% | 340 |
| Noncurrent loans to loans | 1.4463% | 1,168 |
| Net loans and leases to total assets | 43.2233% | 4,943 |
| Net loans and leases to deposits | 47.6728% | 5,037 |
| Net loans and leases to core deposits | 47.6728% | 5,111 |
| Total domestic deposits to total assets | 90.6667% | 340 |
| Equity capital to assets | 8.8673% | 4,674 |
| Core capital (leverage) ratio | 8.8012% | 4,879 |
| Tier 1 risk-based capital ratio | 18.7877% | 1,606 |
| Total risk-based capital ratio | 20.0219% | 1,563 |
| Memoranda: | ||
| Average total assets | $7,756,330 | 5,545 |
| Average earning assets | $7,371,670 | 5,530 |
| Average equity | $686,670 | 5,541 |
| Average total loans | $3,480,000 | 5,502 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9908% | 3,639 |
| Cost of funding earning assets | 0.1618% | 5,212 |
| Net interest margin | 3.8290% | 2,306 |
| Noninterest income to average assets | 0.2059% | 4,794 |
| Noninterest expense to average assets | 3.8085% | 668 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0515% | 5,358 |
| Return on assets (ROA) | 0.0515% | 5,354 |
| Pretax return on assets | 0.0515% | 5,357 |
| Return on Equity (ROE) | 0.5818% | 5,344 |
| Retained earnings to average equity (ytd only) | 0.5818% | 4,718 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6667% | 196 |
| Assets per employee ($millions) | 3.9110% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 1,711 |
| Loan loss allowance to noncurrent loans | 24.5000% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 4.4490% | 123 |
| Noncurrent loans to loans | 5.8548% | 107 |
| Net loans and leases to total assets | 43.0453% | 4,941 |
| Net loans and leases to deposits | 47.3226% | 5,063 |
| Net loans and leases to core deposits | 47.3226% | 5,116 |
| Total domestic deposits to total assets | 90.9614% | 335 |
| Equity capital to assets | 8.7957% | 4,743 |
| Core capital (leverage) ratio | 8.8546% | 4,850 |
| Tier 1 risk-based capital ratio | 18.6957% | 1,632 |
| Total risk-based capital ratio | 19.9457% | 1,590 |
| Memoranda: | ||
| Average total assets | $7,772,000 | 5,609 |
| Average earning assets | $7,417,000 | 5,592 |
| Average equity | $687,500 | 5,604 |
| Average total loans | $3,526,000 | 5,565 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0545% | 3,229 |
| Cost of funding earning assets | 0.1951% | 4,989 |
| Net interest margin | 3.8594% | 2,230 |
| Noninterest income to average assets | 0.2579% | 4,591 |
| Noninterest expense to average assets | 3.7789% | 710 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0516% | 5,305 |
| Return on assets (ROA) | 0.0516% | 5,314 |
| Pretax return on assets | 0.0516% | 5,407 |
| Return on Equity (ROE) | 0.5846% | 5,298 |
| Retained earnings to average equity (ytd only) | 0.5846% | 4,807 |
| Net charge-offs to loans | 0.0528% | 2,750 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,816 |
| Efficiency ratio | 98.6532% | 193 |
| Assets per employee ($millions) | 3.8610% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 1,982 |
| Loan loss allowance to noncurrent loans | 24.5000% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.5900% | 350 |
| Noncurrent loans to loans | 5.5006% | 109 |
| Net loans and leases to total assets | 46.4517% | 4,862 |
| Net loans and leases to deposits | 51.1260% | 5,019 |
| Net loans and leases to core deposits | 51.1260% | 5,096 |
| Total domestic deposits to total assets | 90.8573% | 280 |
| Equity capital to assets | 8.8967% | 4,820 |
| Core capital (leverage) ratio | 9.1919% | 4,407 |
| Tier 1 risk-based capital ratio | 18.2180% | 1,734 |
| Total risk-based capital ratio | 19.5174% | 1,672 |
| Memoranda: | ||
| Average total assets | $7,753,600 | 5,673 |
| Average earning assets | $7,177,200 | 5,659 |
| Average equity | $684,200 | 5,669 |
| Average total loans | $3,791,000 | 5,631 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 2,798 |
| Cost of funding earning assets | 0.1877% | 5,075 |
| Net interest margin | 3.9611% | 1,832 |
| Noninterest income to average assets | 0.2061% | 4,972 |
| Noninterest expense to average assets | 3.9166% | 582 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.0859% | 5,546 |
| Return on assets (ROA) | -0.0859% | 5,549 |
| Pretax return on assets | -0.0859% | 5,538 |
| Return on Equity (ROE) | -0.9759% | 5,558 |
| Retained earnings to average equity (ytd only) | -0.9759% | 5,347 |
| Net charge-offs to loans | 0.1392% | 1,411 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -1.2514% | 3,722 |
| Efficiency ratio | 102.2422% | 154 |
| Assets per employee ($millions) | 3.6755% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 2,027 |
| Loan loss allowance to noncurrent loans | 24.6231% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 3.9450% | 172 |
| Noncurrent loans to loans | 5.5587% | 125 |
| Net loans and leases to total assets | 48.0343% | 4,823 |
| Net loans and leases to deposits | 53.1137% | 5,000 |
| Net loans and leases to core deposits | 53.1137% | 5,100 |
| Total domestic deposits to total assets | 90.4367% | 342 |
| Equity capital to assets | 9.2232% | 4,709 |
| Core capital (leverage) ratio | 9.0220% | 4,715 |
| Tier 1 risk-based capital ratio | 17.8892% | 1,882 |
| Total risk-based capital ratio | 19.1821% | 1,826 |
| Memoranda: | ||
| Average total assets | $7,761,500 | 5,739 |
| Average earning assets | $7,102,250 | 5,725 |
| Average equity | $683,500 | 5,736 |
| Average total loans | $3,829,750 | 5,693 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 2,849 |
| Cost of funding earning assets | 0.1936% | 5,039 |
| Net interest margin | 3.9002% | 1,926 |
| Noninterest income to average assets | 0.2532% | 4,723 |
| Noninterest expense to average assets | 3.6970% | 774 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1266% | 5,464 |
| Return on assets (ROA) | 0.1266% | 5,467 |
| Pretax return on assets | 0.1266% | 5,486 |
| Return on Equity (ROE) | 1.4592% | 5,416 |
| Retained earnings to average equity (ytd only) | 1.4592% | 4,660 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6887% | 242 |
| Assets per employee ($millions) | 2.5817% | 5,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 2,016 |
| Loan loss allowance to noncurrent loans | 87.9310% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 2.0013% | 637 |
| Noncurrent loans to loans | 1.5748% | 1,187 |
| Net loans and leases to total assets | 46.8948% | 4,888 |
| Net loans and leases to deposits | 51.8191% | 5,065 |
| Net loans and leases to core deposits | 51.8191% | 5,154 |
| Total domestic deposits to total assets | 90.4971% | 360 |
| Equity capital to assets | 8.8832% | 5,009 |
| Core capital (leverage) ratio | 8.7343% | 5,019 |
| Tier 1 risk-based capital ratio | 17.7548% | 1,935 |
| Total risk-based capital ratio | 18.9935% | 1,897 |
| Memoranda: | ||
| Average total assets | $7,898,330 | 5,788 |
| Average earning assets | $7,230,330 | 5,774 |
| Average equity | $685,330 | 5,786 |
| Average total loans | $3,913,000 | 5,741 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0606% | 2,797 |
| Cost of funding earning assets | 0.1669% | 5,255 |
| Net interest margin | 3.8938% | 1,801 |
| Noninterest income to average assets | 0.2508% | 4,740 |
| Noninterest expense to average assets | 3.6113% | 888 |
| Loan and lease loss provision to assets | 0.0502% | 2,802 |
| Net operating income to assets | 0.1003% | 5,514 |
| Return on assets (ROA) | 0.1003% | 5,520 |
| Pretax return on assets | 0.1003% | 5,515 |
| Return on Equity (ROE) | 1.1696% | 5,468 |
| Retained earnings to average equity (ytd only) | 1.1696% | 4,600 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0000% | 320 |
| Assets per employee ($millions) | 2.6733% | 5,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 2,626 |
| Loan loss allowance to noncurrent loans | 87.9310% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.9327% | 697 |
| Noncurrent loans to loans | 1.4588% | 1,380 |
| Net loans and leases to total assets | 48.9401% | 4,751 |
| Net loans and leases to deposits | 53.8040% | 4,946 |
| Net loans and leases to core deposits | 53.8040% | 5,071 |
| Total domestic deposits to total assets | 90.9601% | 310 |
| Equity capital to assets | 8.5411% | 5,209 |
| Core capital (leverage) ratio | 8.6294% | 5,123 |
| Tier 1 risk-based capital ratio | 16.3290% | 2,424 |
| Total risk-based capital ratio | 17.5447% | 2,380 |
| Memoranda: | ||
| Average total assets | $7,975,000 | 5,855 |
| Average earning assets | $7,191,000 | 5,842 |
| Average equity | $684,000 | 5,852 |
| Average total loans | $4,028,000 | 5,809 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 1,711 |
| Cost of funding earning assets | 0.2062% | 4,958 |
| Net interest margin | 4.2337% | 1,047 |
| Noninterest income to average assets | 0.3036% | 4,572 |
| Noninterest expense to average assets | 3.8704% | 716 |
| Loan and lease loss provision to assets | 0.1012% | 2,352 |
| Net operating income to assets | 0.2277% | 5,362 |
| Return on assets (ROA) | 0.2277% | 5,427 |
| Pretax return on assets | 0.2277% | 5,463 |
| Return on Equity (ROE) | 2.6463% | 5,257 |
| Retained earnings to average equity (ytd only) | 2.6463% | 4,016 |
| Net charge-offs to loans | 0.2647% | 1,045 |
| Credit loss provision to net charge-offs | 66.6667% | 3,162 |
| Earnings coverage of net charge-offs (x) | 2.1667% | 3,875 |
| Efficiency ratio | 92.1687% | 453 |
| Assets per employee ($millions) | 2.6433% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 2,682 |
| Loan loss allowance to noncurrent loans | 83.8710% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.9924% | 692 |
| Noncurrent loans to loans | 1.5196% | 1,314 |
| Net loans and leases to total assets | 50.7945% | 4,707 |
| Net loans and leases to deposits | 55.8514% | 4,919 |
| Net loans and leases to core deposits | 55.8514% | 5,051 |
| Total domestic deposits to total assets | 90.9458% | 295 |
| Equity capital to assets | 8.6129% | 5,182 |
| Core capital (leverage) ratio | 8.7418% | 5,031 |
| Tier 1 risk-based capital ratio | 15.8948% | 2,593 |
| Total risk-based capital ratio | 17.1050% | 2,535 |
| Memoranda: | ||
| Average total assets | $7,906,200 | 5,912 |
| Average earning assets | $7,275,000 | 5,899 |
| Average equity | $680,200 | 5,912 |
| Average total loans | $4,533,400 | 5,863 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 1,633 |
| Cost of funding earning assets | 0.1999% | 5,069 |
| Net interest margin | 4.2695% | 985 |
| Noninterest income to average assets | 0.3376% | 4,367 |
| Noninterest expense to average assets | 3.8142% | 735 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4895% | 4,733 |
| Return on assets (ROA) | 0.4895% | 4,825 |
| Pretax return on assets | 0.4895% | 5,145 |
| Return on Equity (ROE) | 5.6909% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.6909% | 2,362 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6275% | 640 |
| Assets per employee ($millions) | 2.5777% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 2,778 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.8276% | 2,477 |
| Noncurrent loans to loans | 1.4665% | 1,473 |
| Net loans and leases to total assets | 55.7093% | 4,337 |
| Net loans and leases to deposits | 61.5692% | 4,657 |
| Net loans and leases to core deposits | 61.5692% | 4,855 |
| Total domestic deposits to total assets | 90.4823% | 327 |
| Equity capital to assets | 8.9875% | 5,190 |
| Core capital (leverage) ratio | 8.9504% | 4,882 |
| Tier 1 risk-based capital ratio | 15.5273% | 2,820 |
| Total risk-based capital ratio | 16.7784% | 2,751 |
| Memoranda: | ||
| Average total assets | $7,900,250 | 5,978 |
| Average earning assets | $7,338,750 | 5,965 |
| Average equity | $679,500 | 5,978 |
| Average total loans | $4,646,750 | 5,927 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 1,592 |
| Cost of funding earning assets | 0.1887% | 5,248 |
| Net interest margin | 4.2859% | 950 |
| Noninterest income to average assets | 0.2011% | 5,294 |
| Noninterest expense to average assets | 3.7456% | 825 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4525% | 4,859 |
| Return on assets (ROA) | 0.4525% | 4,949 |
| Pretax return on assets | 0.4525% | 5,241 |
| Return on Equity (ROE) | 5.3386% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.3386% | 2,525 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2216% | 640 |
| Assets per employee ($millions) | 2.6817% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 3,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 56.2834% | 4,276 |
| Net loans and leases to deposits | 63.1256% | 4,558 |
| Net loans and leases to core deposits | 63.1256% | 4,802 |
| Total domestic deposits to total assets | 89.1610% | 843 |
| Equity capital to assets | 8.5022% | 5,595 |
| Core capital (leverage) ratio | 8.6703% | 5,199 |
| Tier 1 risk-based capital ratio | 14.5749% | 3,276 |
| Total risk-based capital ratio | 15.7682% | 3,238 |
| Memoranda: | ||
| Average total assets | $7,956,000 | 6,056 |
| Average earning assets | $7,419,670 | 6,043 |
| Average equity | $674,330 | 6,055 |
| Average total loans | $4,741,000 | 6,004 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 1,438 |
| Cost of funding earning assets | 0.2155% | 5,049 |
| Net interest margin | 4.3103% | 913 |
| Noninterest income to average assets | 0.2528% | 4,940 |
| Noninterest expense to average assets | 3.9436% | 650 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3539% | 5,129 |
| Return on assets (ROA) | 0.3539% | 5,216 |
| Pretax return on assets | 0.3539% | 5,393 |
| Return on Equity (ROE) | 4.1822% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.1822% | 3,392 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7647% | 566 |
| Assets per employee ($millions) | 2.6260% | 5,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 3,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 60.7768% | 3,682 |
| Net loans and leases to deposits | 66.8902% | 4,166 |
| Net loans and leases to core deposits | 66.8902% | 4,479 |
| Total domestic deposits to total assets | 90.8606% | 310 |
| Equity capital to assets | 8.5428% | 5,536 |
| Core capital (leverage) ratio | 8.6161% | 5,279 |
| Tier 1 risk-based capital ratio | 13.5195% | 3,971 |
| Total risk-based capital ratio | 14.6444% | 3,964 |
| Memoranda: | ||
| Average total assets | $7,911,500 | 6,120 |
| Average earning assets | $7,424,000 | 6,107 |
| Average equity | $669,500 | 6,118 |
| Average total loans | $4,819,500 | 6,064 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 1,495 |
| Cost of funding earning assets | 0.2395% | 4,899 |
| Net interest margin | 4.2976% | 965 |
| Noninterest income to average assets | 0.1957% | 5,413 |
| Noninterest expense to average assets | 4.6598% | 364 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.5137% | 6,048 |
| Return on assets (ROA) | -0.4770% | 6,049 |
| Pretax return on assets | -0.4770% | 6,039 |
| Return on Equity (ROE) | -5.6571% | 6,059 |
| Retained earnings to average equity (ytd only) | -5.6571% | 5,945 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3894% | 122 |
| Assets per employee ($millions) | 1.9863% | 6,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 3,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 3,797 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 59.6476% | 3,885 |
| Net loans and leases to deposits | 66.5870% | 4,262 |
| Net loans and leases to core deposits | 66.5870% | 4,542 |
| Total domestic deposits to total assets | 89.5784% | 808 |
| Equity capital to assets | 8.3826% | 5,646 |
| Core capital (leverage) ratio | 8.5166% | 5,411 |
| Tier 1 risk-based capital ratio | 13.4900% | 4,013 |
| Total risk-based capital ratio | 14.6243% | 4,013 |
| Memoranda: | ||
| Average total assets | $8,176,400 | 6,179 |
| Average earning assets | $7,515,800 | 6,168 |
| Average equity | $689,400 | 6,178 |
| Average total loans | $4,687,000 | 6,125 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5272% | 1,518 |
| Cost of funding earning assets | 0.2476% | 4,905 |
| Net interest margin | 4.2797% | 1,001 |
| Noninterest income to average assets | 0.1943% | 5,489 |
| Noninterest expense to average assets | 4.4043% | 436 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2915% | 6,085 |
| Return on assets (ROA) | -0.2429% | 6,077 |
| Pretax return on assets | -0.2429% | 6,067 |
| Return on Equity (ROE) | -2.8767% | 6,095 |
| Retained earnings to average equity (ytd only) | -2.8767% | 5,923 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0866% | 181 |
| Assets per employee ($millions) | 2.0163% | 6,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 3,367 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.4879% | 1,510 |
| Noncurrent loans to loans | 1.8746% | 1,236 |
| Net loans and leases to total assets | 54.8667% | 4,476 |
| Net loans and leases to deposits | 60.7579% | 4,799 |
| Net loans and leases to core deposits | 60.7579% | 5,016 |
| Total domestic deposits to total assets | 90.3038% | 464 |
| Equity capital to assets | 8.5555% | 5,674 |
| Core capital (leverage) ratio | 8.6749% | 5,379 |
| Tier 1 risk-based capital ratio | 14.7310% | 3,425 |
| Total risk-based capital ratio | 15.9266% | 3,392 |
| Memoranda: | ||
| Average total assets | $8,234,250 | 6,265 |
| Average earning assets | $7,539,250 | 6,255 |
| Average equity | $695,250 | 6,265 |
| Average total loans | $4,660,000 | 6,207 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5315% | 1,449 |
| Cost of funding earning assets | 0.2371% | 5,082 |
| Net interest margin | 4.2944% | 929 |
| Noninterest income to average assets | 0.1930% | 5,524 |
| Noninterest expense to average assets | 4.5352% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.4101% | 6,163 |
| Return on assets (ROA) | -0.3377% | 6,161 |
| Pretax return on assets | -0.3377% | 6,150 |
| Return on Equity (ROE) | -4.0172% | 6,176 |
| Retained earnings to average equity (ytd only) | -4.0172% | 5,975 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.9415% | 174 |
| Assets per employee ($millions) | 2.7000% | 5,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 3,665 |
| Loan loss allowance to noncurrent loans | 64.3678% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.5185% | 1,613 |
| Noncurrent loans to loans | 1.8975% | 1,310 |
| Net loans and leases to total assets | 55.9136% | 4,348 |
| Net loans and leases to deposits | 61.9393% | 4,706 |
| Net loans and leases to core deposits | 61.9393% | 4,949 |
| Total domestic deposits to total assets | 90.2716% | 550 |
| Equity capital to assets | 8.5309% | 5,663 |
| Core capital (leverage) ratio | 8.4516% | 5,579 |
| Tier 1 risk-based capital ratio | 14.6678% | 3,542 |
| Total risk-based capital ratio | 15.8565% | 3,507 |
| Memoranda: | ||
| Average total assets | $8,290,670 | 6,342 |
| Average earning assets | $7,591,330 | 6,328 |
| Average equity | $697,000 | 6,341 |
| Average total loans | $4,719,670 | 6,281 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 1,613 |
| Cost of funding earning assets | 0.2617% | 4,884 |
| Net interest margin | 4.1879% | 1,088 |
| Noninterest income to average assets | 0.1908% | 5,564 |
| Noninterest expense to average assets | 4.6745% | 379 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.6678% | 6,276 |
| Return on assets (ROA) | -0.5247% | 6,259 |
| Pretax return on assets | -0.5247% | 6,246 |
| Return on Equity (ROE) | -6.2857% | 6,284 |
| Retained earnings to average equity (ytd only) | -6.2857% | 6,007 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6667% | 146 |
| Assets per employee ($millions) | 2.0410% | 6,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 3,866 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.5066% | 1,734 |
| Noncurrent loans to loans | 1.8247% | 1,481 |
| Net loans and leases to total assets | 57.6923% | 3,996 |
| Net loans and leases to deposits | 63.8211% | 4,388 |
| Net loans and leases to core deposits | 63.8211% | 4,712 |
| Total domestic deposits to total assets | 90.3969% | 566 |
| Equity capital to assets | 8.5007% | 5,743 |
| Core capital (leverage) ratio | 8.4050% | 5,624 |
| Tier 1 risk-based capital ratio | 14.1459% | 3,920 |
| Total risk-based capital ratio | 15.3282% | 3,885 |
| Memoranda: | ||
| Average total assets | $8,386,000 | 6,412 |
| Average earning assets | $7,641,000 | 6,398 |
| Average equity | $700,000 | 6,412 |
| Average total loans | $4,787,000 | 6,349 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9780% | 808 |
| Cost of funding earning assets | 0.2680% | 5,126 |
| Net interest margin | 4.7100% | 513 |
| Noninterest income to average assets | 0.1912% | 5,711 |
| Noninterest expense to average assets | 4.2730% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0675% | 5,996 |
| Return on assets (ROA) | -2.1478% | 6,458 |
| Pretax return on assets | -2.1478% | 6,452 |
| Return on Equity (ROE) | -28.6529% | 6,464 |
| Retained earnings to average equity (ytd only) | -28.6529% | 6,455 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4456% | 411 |
| Assets per employee ($millions) | 2.1520% | 6,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 4,091 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 4,429 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 55.1696% | 4,427 |
| Net loans and leases to deposits | 60.5277% | 4,858 |
| Net loans and leases to core deposits | 60.5277% | 5,096 |
| Total domestic deposits to total assets | 91.1478% | 321 |
| Equity capital to assets | 8.2017% | 5,960 |
| Core capital (leverage) ratio | 8.5227% | 5,539 |
| Tier 1 risk-based capital ratio | 15.0000% | 3,487 |
| Total risk-based capital ratio | 16.2128% | 3,443 |
| Memoranda: | ||
| Average total assets | $8,893,000 | 6,502 |
| Average earning assets | $7,834,400 | 6,489 |
| Average equity | $666,600 | 6,507 |
| Average total loans | $4,624,800 | 6,444 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0941% | 652 |
| Cost of funding earning assets | 0.2887% | 5,005 |
| Net interest margin | 4.8054% | 420 |
| Noninterest income to average assets | 0.1785% | 5,847 |
| Noninterest expense to average assets | 4.2241% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1637% | 5,919 |
| Return on assets (ROA) | -2.0376% | 6,531 |
| Pretax return on assets | -2.0376% | 6,521 |
| Return on Equity (ROE) | -27.8127% | 6,535 |
| Retained earnings to average equity (ytd only) | -27.8127% | 6,525 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2712% | 494 |
| Assets per employee ($millions) | 2.1230% | 6,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 4,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 4,642 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 53.7094% | 4,611 |
| Net loans and leases to deposits | 59.8242% | 4,960 |
| Net loans and leases to core deposits | 59.8242% | 5,202 |
| Total domestic deposits to total assets | 89.7786% | 833 |
| Equity capital to assets | 8.3844% | 5,884 |
| Core capital (leverage) ratio | 8.8400% | 5,281 |
| Tier 1 risk-based capital ratio | 16.5072% | 2,813 |
| Total risk-based capital ratio | 17.7468% | 2,767 |
| Memoranda: | ||
| Average total assets | $8,964,250 | 6,581 |
| Average earning assets | $7,852,000 | 6,568 |
| Average equity | $656,750 | 6,586 |
| Average total loans | $4,579,500 | 6,523 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 1,057 |
| Cost of funding earning assets | 0.2616% | 5,370 |
| Net interest margin | 4.5422% | 646 |
| Noninterest income to average assets | 0.1973% | 5,782 |
| Noninterest expense to average assets | 4.1659% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2193% | 5,781 |
| Return on assets (ROA) | -0.0219% | 6,222 |
| Pretax return on assets | -0.0219% | 6,211 |
| Return on Equity (ROE) | -0.3133% | 6,227 |
| Retained earnings to average equity (ytd only) | -0.3133% | 5,732 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0000% | 601 |
| Assets per employee ($millions) | 2.1903% | 6,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 4,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 4,781 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.7863% | 4,763 |
| Net loans and leases to deposits | 57.0405% | 5,118 |
| Net loans and leases to core deposits | 57.0405% | 5,343 |
| Total domestic deposits to total assets | 90.7887% | 477 |
| Equity capital to assets | 8.3438% | 5,920 |
| Core capital (leverage) ratio | 10.1313% | 3,433 |
| Tier 1 risk-based capital ratio | 18.9538% | 1,936 |
| Total risk-based capital ratio | 20.1821% | 1,900 |
| Memoranda: | ||
| Average total assets | $9,121,670 | 6,648 |
| Average earning assets | $8,410,000 | 6,631 |
| Average equity | $638,330 | 6,653 |
| Average total loans | $4,566,670 | 6,585 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 1,408 |
| Cost of funding earning assets | 0.2782% | 5,301 |
| Net interest margin | 4.3587% | 879 |
| Noninterest income to average assets | 0.1290% | 6,207 |
| Noninterest expense to average assets | 4.1711% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0000% | 6,210 |
| Return on assets (ROA) | 0.0000% | 6,226 |
| Pretax return on assets | 0.0000% | 6,215 |
| Return on Equity (ROE) | 0.0000% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,544 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 466 |
| Assets per employee ($millions) | 2.2278% | 6,504 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 4,194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 4,932 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 49.9495% | 4,918 |
| Net loans and leases to deposits | 53.9842% | 5,291 |
| Net loans and leases to core deposits | 53.9842% | 5,502 |
| Total domestic deposits to total assets | 92.5261% | 165 |
| Equity capital to assets | 7.0475% | 6,436 |
| Core capital (leverage) ratio | 9.3955% | 4,427 |
| Tier 1 risk-based capital ratio | 17.7345% | 2,395 |
| Total risk-based capital ratio | 18.9489% | 2,377 |
| Memoranda: | ||
| Average total assets | $9,302,000 | 6,721 |
| Average earning assets | $8,626,500 | 6,704 |
| Average equity | $592,000 | 6,724 |
| Average total loans | $4,552,500 | 6,656 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 4,052 |
| Cost of funding earning assets | 0.3261% | 5,367 |
| Net interest margin | 3.6854% | 3,113 |
| Noninterest income to average assets | 0.1938% | 5,930 |
| Noninterest expense to average assets | 3.3756% | 1,935 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2754% | 5,603 |
| Return on assets (ROA) | 0.2754% | 5,690 |
| Pretax return on assets | 0.2754% | 5,792 |
| Return on Equity (ROE) | 4.0059% | 5,108 |
| Retained earnings to average equity (ytd only) | 4.0059% | 3,343 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4581% | 846 |
| Assets per employee ($millions) | 2.4233% | 6,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 4,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3714% | 5,135 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 46.8173% | 5,410 |
| Net loans and leases to deposits | 55.4361% | 5,355 |
| Net loans and leases to core deposits | 55.4361% | 5,583 |
| Total domestic deposits to total assets | 84.4527% | 3,987 |
| Equity capital to assets | 5.7361% | 6,641 |
| Core capital (leverage) ratio | 8.3316% | 5,845 |
| Tier 1 risk-based capital ratio | 16.0206% | 3,085 |
| Total risk-based capital ratio | 17.1677% | 3,093 |
| Memoranda: | ||
| Average total assets | $9,805,600 | 6,797 |
| Average earning assets | $9,198,400 | 6,781 |
| Average equity | $674,000 | 6,807 |
| Average total loans | $4,209,600 | 6,747 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7563% | 5,010 |
| Cost of funding earning assets | 0.3323% | 5,448 |
| Net interest margin | 3.4240% | 4,192 |
| Noninterest income to average assets | 0.1899% | 6,056 |
| Noninterest expense to average assets | 3.2269% | 2,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1762% | 5,973 |
| Return on assets (ROA) | 0.1762% | 6,044 |
| Pretax return on assets | 0.1762% | 6,081 |
| Return on Equity (ROE) | 2.4634% | 5,802 |
| Retained earnings to average equity (ytd only) | 2.4634% | 4,854 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8207% | 688 |
| Assets per employee ($millions) | 2.5145% | 6,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 4,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 5,335 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 42.3046% | 5,882 |
| Net loans and leases to deposits | 52.9756% | 5,632 |
| Net loans and leases to core deposits | 52.9756% | 5,832 |
| Total domestic deposits to total assets | 79.8568% | 5,545 |
| Equity capital to assets | 6.4128% | 6,653 |
| Core capital (leverage) ratio | 8.4286% | 5,832 |
| Tier 1 risk-based capital ratio | 17.3699% | 2,550 |
| Total risk-based capital ratio | 18.5580% | 2,551 |
| Memoranda: | ||
| Average total assets | $9,833,750 | 6,875 |
| Average earning assets | $9,228,750 | 6,859 |
| Average equity | $703,500 | 6,885 |
| Average total loans | $4,113,000 | 6,824 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3393% | 6,021 |
| Cost of funding earning assets | 0.3274% | 5,591 |
| Net interest margin | 3.0119% | 5,545 |
| Noninterest income to average assets | 0.1844% | 6,102 |
| Noninterest expense to average assets | 3.0331% | 2,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0205% | 6,322 |
| Return on assets (ROA) | -0.0205% | 6,380 |
| Pretax return on assets | -0.0205% | 6,375 |
| Return on Equity (ROE) | -0.2766% | 6,391 |
| Retained earnings to average equity (ytd only) | -0.2766% | 5,909 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6803% | 465 |
| Assets per employee ($millions) | 2.4980% | 6,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 4,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 5,411 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 41.1729% | 5,955 |
| Net loans and leases to deposits | 49.4055% | 5,890 |
| Net loans and leases to core deposits | 49.4055% | 6,058 |
| Total domestic deposits to total assets | 83.3367% | 4,576 |
| Equity capital to assets | 5.8447% | 6,751 |
| Core capital (leverage) ratio | 7.6938% | 6,370 |
| Tier 1 risk-based capital ratio | 16.2597% | 3,065 |
| Total risk-based capital ratio | 17.4703% | 3,025 |
| Memoranda: | ||
| Average total assets | $9,759,000 | 6,925 |
| Average earning assets | $9,163,670 | 6,908 |
| Average equity | $723,000 | 6,934 |
| Average total loans | $4,046,330 | 6,873 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7913% | 6,682 |
| Cost of funding earning assets | 0.3988% | 5,113 |
| Net interest margin | 2.3926% | 6,606 |
| Noninterest income to average assets | 0.2074% | 5,995 |
| Noninterest expense to average assets | 3.6920% | 1,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.2445% | 6,854 |
| Return on assets (ROA) | -1.2445% | 6,861 |
| Pretax return on assets | -1.2445% | 6,848 |
| Return on Equity (ROE) | -15.1420% | 6,868 |
| Retained earnings to average equity (ytd only) | -15.1420% | 6,745 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.8475% | 85 |
| Assets per employee ($millions) | 2.3808% | 6,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 3,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 5,457 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 39.9139% | 6,004 |
| Net loans and leases to deposits | 43.6145% | 6,230 |
| Net loans and leases to core deposits | 43.6145% | 6,330 |
| Total domestic deposits to total assets | 91.5153% | 351 |
| Equity capital to assets | 8.1172% | 6,322 |
| Core capital (leverage) ratio | 8.1021% | 6,041 |
| Tier 1 risk-based capital ratio | 18.4533% | 2,209 |
| Total risk-based capital ratio | 19.7962% | 2,145 |
| Memoranda: | ||
| Average total assets | $9,642,500 | 7,002 |
| Average earning assets | $9,028,000 | 6,985 |
| Average equity | $792,500 | 7,004 |
| Average total loans | $3,983,500 | 6,948 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1603% | 6,682 |
| Cost of funding earning assets | 0.4735% | 5,394 |
| Net interest margin | 2.6868% | 6,535 |
| Noninterest income to average assets | 0.3484% | 4,977 |
| Noninterest expense to average assets | 3.8530% | 1,162 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -1.0042% | 6,746 |
| Return on assets (ROA) | -1.0042% | 6,761 |
| Pretax return on assets | -1.0042% | 6,737 |
| Return on Equity (ROE) | -11.1440% | 6,752 |
| Retained earnings to average equity (ytd only) | -11.1440% | 6,678 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.2518% | 132 |
| Assets per employee ($millions) | 2.4405% | 6,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 4,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 5,591 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 41.4874% | 6,047 |
| Net loans and leases to deposits | 47.1478% | 6,166 |
| Net loans and leases to core deposits | 47.1478% | 6,321 |
| Total domestic deposits to total assets | 87.9943% | 2,238 |
| Equity capital to assets | 8.3180% | 6,185 |
| Core capital (leverage) ratio | 8.5786% | 5,492 |
| Tier 1 risk-based capital ratio | 18.3114% | 2,168 |
| Total risk-based capital ratio | 19.6035% | 2,114 |
| Memoranda: | ||
| Average total assets | $9,758,600 | 7,068 |
| Average earning assets | $9,081,400 | 7,050 |
| Average equity | $879,400 | 7,069 |
| Average total loans | $3,832,600 | 7,021 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1460% | 6,829 |
| Cost of funding earning assets | 0.5022% | 5,421 |
| Net interest margin | 2.6438% | 6,708 |
| Noninterest income to average assets | 0.4099% | 4,555 |
| Noninterest expense to average assets | 3.9352% | 1,023 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -1.0794% | 6,882 |
| Return on assets (ROA) | -1.0794% | 6,906 |
| Pretax return on assets | -1.0794% | 6,885 |
| Return on Equity (ROE) | -11.7523% | 6,891 |
| Retained earnings to average equity (ytd only) | -11.7523% | 6,855 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.7990% | 124 |
| Assets per employee ($millions) | 2.3510% | 6,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 3,915 |
| Loan loss allowance to noncurrent loans | 527.2727% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 5,421 |
| Noncurrent loans to loans | 0.2862% | 5,916 |
| Net loans and leases to total assets | 40.2488% | 6,258 |
| Net loans and leases to deposits | 44.5661% | 6,477 |
| Net loans and leases to core deposits | 44.5661% | 6,575 |
| Total domestic deposits to total assets | 90.3126% | 670 |
| Equity capital to assets | 9.3684% | 5,385 |
| Core capital (leverage) ratio | 8.8174% | 5,314 |
| Tier 1 risk-based capital ratio | 19.5960% | 1,854 |
| Total risk-based capital ratio | 20.9427% | 1,805 |
| Memoranda: | ||
| Average total assets | $9,757,750 | 7,165 |
| Average earning assets | $9,027,000 | 7,147 |
| Average equity | $896,250 | 7,165 |
| Average total loans | $3,763,750 | 7,116 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1714% | 6,893 |
| Cost of funding earning assets | 0.5468% | 5,327 |
| Net interest margin | 2.6246% | 6,802 |
| Noninterest income to average assets | 0.4658% | 4,159 |
| Noninterest expense to average assets | 3.8681% | 1,121 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.9721% | 6,902 |
| Return on assets (ROA) | -0.9721% | 6,921 |
| Pretax return on assets | -0.9721% | 6,889 |
| Return on Equity (ROE) | -10.6509% | 6,916 |
| Retained earnings to average equity (ytd only) | -10.6509% | 6,848 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.5664% | 149 |
| Assets per employee ($millions) | 2.5140% | 6,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 3,982 |
| Loan loss allowance to noncurrent loans | 483.3333% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 5,572 |
| Noncurrent loans to loans | 0.3114% | 5,931 |
| Net loans and leases to total assets | 37.7486% | 6,503 |
| Net loans and leases to deposits | 44.0985% | 6,552 |
| Net loans and leases to core deposits | 44.0985% | 6,659 |
| Total domestic deposits to total assets | 85.6006% | 3,567 |
| Equity capital to assets | 9.0990% | 5,582 |
| Core capital (leverage) ratio | 8.7659% | 5,275 |
| Tier 1 risk-based capital ratio | 19.5540% | 1,834 |
| Total risk-based capital ratio | 20.8606% | 1,782 |
| Memoranda: | ||
| Average total assets | $9,875,670 | 7,225 |
| Average earning assets | $9,144,330 | 7,209 |
| Average equity | $901,330 | 7,221 |
| Average total loans | $3,737,330 | 7,180 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3524% | 6,854 |
| Cost of funding earning assets | 0.5660% | 5,386 |
| Net interest margin | 2.7864% | 6,657 |
| Noninterest income to average assets | 0.6540% | 2,909 |
| Noninterest expense to average assets | 3.9651% | 973 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.6949% | 6,911 |
| Return on assets (ROA) | -0.6949% | 6,933 |
| Pretax return on assets | -0.6949% | 6,896 |
| Return on Equity (ROE) | -7.6020% | 6,939 |
| Retained earnings to average equity (ytd only) | -7.6020% | 6,744 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.2500% | 208 |
| Assets per employee ($millions) | 2.4573% | 6,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 3,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 5,967 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 37.3995% | 6,530 |
| Net loans and leases to deposits | 43.1557% | 6,603 |
| Net loans and leases to core deposits | 43.1557% | 6,694 |
| Total domestic deposits to total assets | 86.6619% | 3,138 |
| Equity capital to assets | 8.7801% | 5,771 |
| Core capital (leverage) ratio | 9.3512% | 4,280 |
| Tier 1 risk-based capital ratio | 20.6011% | 1,562 |
| Total risk-based capital ratio | 21.9316% | 1,520 |
| Memoranda: | ||
| Average total assets | $9,785,500 | 7,288 |
| Average earning assets | $9,187,500 | 7,271 |
| Average equity | $894,500 | 7,285 |
| Average total loans | $3,679,000 | 7,242 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9880% | 2,932 |
| Cost of funding earning assets | 0.6697% | 5,712 |
| Net interest margin | 4.3183% | 1,641 |
| Noninterest income to average assets | 1.0471% | 1,226 |
| Noninterest expense to average assets | 4.0521% | 959 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9109% | 2,555 |
| Return on assets (ROA) | 0.9109% | 2,675 |
| Pretax return on assets | 0.9109% | 3,575 |
| Return on Equity (ROE) | 9.2731% | 2,335 |
| Retained earnings to average equity (ytd only) | 2.7713% | 4,261 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6456% | 2,070 |
| Assets per employee ($millions) | 2.4355% | 6,887 |
| Cash dividends to net income (ytd only)* | 70.1149% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 3,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 6,054 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 36.6044% | 6,725 |
| Net loans and leases to deposits | 42.8091% | 6,774 |
| Net loans and leases to core deposits | 42.8091% | 6,859 |
| Total domestic deposits to total assets | 85.5061% | 3,590 |
| Equity capital to assets | 9.5052% | 4,884 |
| Core capital (leverage) ratio | 10.1215% | 3,202 |
| Tier 1 risk-based capital ratio | 22.3687% | 1,185 |
| Total risk-based capital ratio | 23.7851% | 1,136 |
| Memoranda: | ||
| Average total assets | $9,550,600 | 7,336 |
| Average earning assets | $8,660,800 | 7,321 |
| Average equity | $938,200 | 7,335 |
| Average total loans | $3,266,800 | 7,298 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4250% | 1,443 |
| Cost of funding earning assets | 0.7035% | 5,742 |
| Net interest margin | 4.7215% | 729 |
| Noninterest income to average assets | 1.3189% | 753 |
| Noninterest expense to average assets | 4.1110% | 884 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4452% | 1,061 |
| Return on assets (ROA) | 1.4452% | 1,135 |
| Pretax return on assets | 1.4452% | 1,798 |
| Return on Equity (ROE) | 14.5902% | 927 |
| Retained earnings to average equity (ytd only) | 14.5902% | 257 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9899% | 3,184 |
| Assets per employee ($millions) | 2.3963% | 6,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7962% | 2,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 6,137 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 33.0829% | 6,992 |
| Net loans and leases to deposits | 37.8085% | 7,042 |
| Net loans and leases to core deposits | 37.8085% | 7,086 |
| Total domestic deposits to total assets | 87.5013% | 2,352 |
| Equity capital to assets | 10.7981% | 3,360 |
| Core capital (leverage) ratio | 10.3918% | 2,995 |
| Tier 1 risk-based capital ratio | 23.6134% | 1,057 |
| Total risk-based capital ratio | 24.9940% | 1,028 |
| Memoranda: | ||
| Average total assets | $9,502,750 | 7,414 |
| Average earning assets | $8,528,250 | 7,402 |
| Average equity | $941,250 | 7,411 |
| Average total loans | $3,177,500 | 7,373 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3038% | 1,877 |
| Cost of funding earning assets | 0.6979% | 5,976 |
| Net interest margin | 4.6059% | 900 |
| Noninterest income to average assets | 0.1900% | 6,307 |
| Noninterest expense to average assets | 4.0948% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2744% | 5,467 |
| Return on assets (ROA) | 0.2744% | 5,591 |
| Pretax return on assets | 0.2744% | 5,730 |
| Return on Equity (ROE) | 2.8571% | 5,457 |
| Retained earnings to average equity (ytd only) | 2.8571% | 4,465 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7198% | 997 |
| Assets per employee ($millions) | 2.4628% | 6,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8904% | 2,697 |
| Loan loss allowance to noncurrent loans | 67.0455% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.2588% | 4,376 |
| Noncurrent loans to loans | 2.8196% | 2,579 |
| Net loans and leases to total assets | 31.0831% | 7,143 |
| Net loans and leases to deposits | 34.8946% | 7,193 |
| Net loans and leases to core deposits | 34.8946% | 7,239 |
| Total domestic deposits to total assets | 89.0773% | 1,492 |
| Equity capital to assets | 9.8366% | 4,350 |
| Core capital (leverage) ratio | 9.3404% | 4,189 |
| Tier 1 risk-based capital ratio | 21.7245% | 1,294 |
| Total risk-based capital ratio | 22.9769% | 1,269 |
| Memoranda: | ||
| Average total assets | $9,475,330 | 7,490 |
| Average earning assets | $8,597,670 | 7,476 |
| Average equity | $910,000 | 7,487 |
| Average total loans | $3,160,330 | 7,447 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3447% | 1,739 |
| Cost of funding earning assets | 0.7774% | 5,691 |
| Net interest margin | 4.5673% | 922 |
| Noninterest income to average assets | 0.2153% | 6,196 |
| Noninterest expense to average assets | 3.9623% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3015% | 5,390 |
| Return on assets (ROA) | 0.3015% | 5,459 |
| Pretax return on assets | 0.3015% | 5,642 |
| Return on Equity (ROE) | 3.1800% | 5,291 |
| Retained earnings to average equity (ytd only) | 3.1800% | 4,265 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9293% | 1,102 |
| Assets per employee ($millions) | 2.4048% | 7,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8838% | 2,749 |
| Loan loss allowance to noncurrent loans | 70.2381% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.2475% | 4,450 |
| Noncurrent loans to loans | 2.6820% | 2,809 |
| Net loans and leases to total assets | 31.9472% | 7,169 |
| Net loans and leases to deposits | 35.3016% | 7,240 |
| Net loans and leases to core deposits | 35.3016% | 7,281 |
| Total domestic deposits to total assets | 90.4980% | 840 |
| Equity capital to assets | 9.2109% | 4,854 |
| Core capital (leverage) ratio | 9.7054% | 3,517 |
| Tier 1 risk-based capital ratio | 21.9500% | 1,240 |
| Total risk-based capital ratio | 23.3954% | 1,179 |
| Memoranda: | ||
| Average total assets | $9,287,500 | 7,550 |
| Average earning assets | $8,232,500 | 7,540 |
| Average equity | $880,500 | 7,546 |
| Average total loans | $3,180,000 | 7,506 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6126% | 273 |
| Cost of funding earning assets | 1.0036% | 5,668 |
| Net interest margin | 5.6090% | 147 |
| Noninterest income to average assets | 0.7940% | 2,316 |
| Noninterest expense to average assets | 4.5389% | 628 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0903% | 1,726 |
| Return on assets (ROA) | 1.0903% | 1,811 |
| Pretax return on assets | 1.0903% | 2,605 |
| Return on Equity (ROE) | 10.2587% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.2587% | 471 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6316% | 2,329 |
| Assets per employee ($millions) | 2.2390% | 7,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8278% | 2,767 |
| Loan loss allowance to noncurrent loans | 60.8247% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.4850% | 4,085 |
| Noncurrent loans to loans | 3.0050% | 2,546 |
| Net loans and leases to total assets | 35.3841% | 7,186 |
| Net loans and leases to deposits | 39.4056% | 7,273 |
| Net loans and leases to core deposits | 39.4056% | 7,317 |
| Total domestic deposits to total assets | 89.7946% | 1,213 |
| Equity capital to assets | 9.7700% | 4,031 |
| Core capital (leverage) ratio | 10.1868% | 2,878 |
| Tier 1 risk-based capital ratio | 21.4217% | 1,258 |
| Total risk-based capital ratio | 22.8434% | 1,210 |
| Memoranda: | ||
| Average total assets | $8,438,200 | 7,641 |
| Average earning assets | $7,274,000 | 7,630 |
| Average equity | $896,800 | 7,640 |
| Average total loans | $3,606,600 | 7,583 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0431% | 139 |
| Cost of funding earning assets | 1.0517% | 5,691 |
| Net interest margin | 5.9913% | 92 |
| Noninterest income to average assets | 0.9949% | 1,478 |
| Noninterest expense to average assets | 4.6697% | 505 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4443% | 1,031 |
| Return on assets (ROA) | 1.4443% | 1,104 |
| Pretax return on assets | 1.4443% | 1,764 |
| Return on Equity (ROE) | 13.3001% | 1,185 |
| Retained earnings to average equity (ytd only) | 13.3001% | 317 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3780% | 2,875 |
| Assets per employee ($millions) | 2.0965% | 7,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6204% | 3,445 |
| Loan loss allowance to noncurrent loans | 75.6410% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.3594% | 4,450 |
| Noncurrent loans to loans | 2.1423% | 3,523 |
| Net loans and leases to total assets | 42.7140% | 6,926 |
| Net loans and leases to deposits | 48.9077% | 7,049 |
| Net loans and leases to core deposits | 48.9077% | 7,165 |
| Total domestic deposits to total assets | 87.3360% | 2,348 |
| Equity capital to assets | 11.5788% | 2,470 |
| Core capital (leverage) ratio | 10.7441% | 2,472 |
| Tier 1 risk-based capital ratio | 20.9089% | 1,374 |
| Total risk-based capital ratio | 22.2981% | 1,326 |
| Memoranda: | ||
| Average total assets | $8,308,750 | 7,743 |
| Average earning assets | $7,099,000 | 7,733 |
| Average equity | $902,250 | 7,744 |
| Average total loans | $3,701,250 | 7,685 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1170% | 731 |
| Cost of funding earning assets | 1.0614% | 5,865 |
| Net interest margin | 5.0556% | 373 |
| Noninterest income to average assets | 0.1207% | 7,000 |
| Noninterest expense to average assets | 4.6601% | 491 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.1690% | 6,315 |
| Return on assets (ROA) | -0.1690% | 6,375 |
| Pretax return on assets | -0.1690% | 6,309 |
| Return on Equity (ROE) | -1.5921% | 6,386 |
| Retained earnings to average equity (ytd only) | -1.5921% | 6,084 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7634% | 688 |
| Assets per employee ($millions) | 2.0678% | 7,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 3,503 |
| Loan loss allowance to noncurrent loans | 57.2816% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 4.4130% | 1,506 |
| Noncurrent loans to loans | 2.7725% | 2,884 |
| Net loans and leases to total assets | 44.2026% | 6,903 |
| Net loans and leases to deposits | 50.5601% | 7,044 |
| Net loans and leases to core deposits | 50.5601% | 7,189 |
| Total domestic deposits to total assets | 87.4259% | 2,305 |
| Equity capital to assets | 10.7847% | 3,088 |
| Core capital (leverage) ratio | 9.4160% | 3,939 |
| Tier 1 risk-based capital ratio | 20.9660% | 1,344 |
| Total risk-based capital ratio | 22.4522% | 1,285 |
| Memoranda: | ||
| Average total assets | $8,283,000 | 7,811 |
| Average earning assets | $7,160,330 | 7,801 |
| Average equity | $879,330 | 7,810 |
| Average total loans | $3,721,330 | 7,751 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9047% | 1,194 |
| Cost of funding earning assets | 1.1037% | 5,892 |
| Net interest margin | 4.8010% | 643 |
| Noninterest income to average assets | 0.1448% | 6,940 |
| Noninterest expense to average assets | 4.4396% | 618 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0965% | 6,428 |
| Return on assets (ROA) | -0.0965% | 6,504 |
| Pretax return on assets | -0.0965% | 6,464 |
| Return on Equity (ROE) | -0.9164% | 6,515 |
| Retained earnings to average equity (ytd only) | -0.9164% | 6,030 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2222% | 780 |
| Assets per employee ($millions) | 2.0850% | 7,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 3,627 |
| Loan loss allowance to noncurrent loans | 118.0000% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 3.8609% | 1,790 |
| Noncurrent loans to loans | 1.3203% | 4,773 |
| Net loans and leases to total assets | 44.7002% | 6,933 |
| Net loans and leases to deposits | 50.7764% | 7,091 |
| Net loans and leases to core deposits | 50.7764% | 7,256 |
| Total domestic deposits to total assets | 88.0336% | 2,037 |
| Equity capital to assets | 10.4796% | 3,267 |
| Core capital (leverage) ratio | 9.5800% | 3,669 |
| Tier 1 risk-based capital ratio | 20.4365% | 1,439 |
| Total risk-based capital ratio | 21.9255% | 1,372 |
| Memoranda: | ||
| Average total assets | $8,289,000 | 7,913 |
| Average earning assets | $7,248,500 | 7,902 |
| Average equity | $873,000 | 7,905 |
| Average total loans | $3,724,500 | 7,852 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3273% | 972 |
| Cost of funding earning assets | 1.2138% | 6,613 |
| Net interest margin | 5.1135% | 351 |
| Noninterest income to average assets | 0.3696% | 5,446 |
| Noninterest expense to average assets | 4.6898% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2541% | 4,705 |
| Return on assets (ROA) | 0.2541% | 4,791 |
| Pretax return on assets | 0.2541% | 4,884 |
| Return on Equity (ROE) | 2.5540% | 4,688 |
| Retained earnings to average equity (ytd only) | 2.5540% | 3,363 |
| Net charge-offs to loans | 0.1261% | 5,932 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 4.4000% | 2,964 |
| Efficiency ratio | 94.8598% | 1,357 |
| Assets per employee ($millions) | 2.0595% | 7,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 3,235 |
| Loan loss allowance to noncurrent loans | 268.1818% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 3.5081% | 1,913 |
| Noncurrent loans to loans | 0.6008% | 6,039 |
| Net loans and leases to total assets | 43.7363% | 7,131 |
| Net loans and leases to deposits | 50.2090% | 7,252 |
| Net loans and leases to core deposits | 50.9186% | 7,562 |
| Total domestic deposits to total assets | 87.1085% | 2,435 |
| Equity capital to assets | 10.5851% | 3,088 |
| Core capital (leverage) ratio | 9.2715% | 4,020 |
| Tier 1 risk-based capital ratio | 20.8846% | 1,314 |
| Total risk-based capital ratio | 22.3763% | 1,241 |
| Memoranda: | ||
| Average total assets | $8,657,000 | 7,985 |
| Average earning assets | $7,744,200 | 7,974 |
| Average equity | $861,400 | 7,990 |
| Average total loans | $3,965,400 | 7,921 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3672% | 989 |
| Cost of funding earning assets | 1.2531% | 6,705 |
| Net interest margin | 5.1141% | 353 |
| Noninterest income to average assets | 0.3196% | 5,925 |
| Noninterest expense to average assets | 4.5804% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3348% | 4,660 |
| Return on assets (ROA) | 0.3348% | 4,755 |
| Pretax return on assets | 0.3348% | 4,968 |
| Return on Equity (ROE) | 3.4154% | 4,616 |
| Retained earnings to average equity (ytd only) | 3.4154% | 3,385 |
| Net charge-offs to loans | 0.1650% | 5,070 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 4.3973% | 3,148 |
| Efficiency ratio | 93.1889% | 1,456 |
| Assets per employee ($millions) | 1.6936% | 7,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 3,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.5191% | 1,884 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 47.1068% | 7,027 |
| Net loans and leases to deposits | 54.6813% | 7,160 |
| Net loans and leases to core deposits | 55.4413% | 7,561 |
| Total domestic deposits to total assets | 86.1479% | 2,618 |
| Equity capital to assets | 10.4747% | 3,542 |
| Core capital (leverage) ratio | 9.2715% | 4,229 |
| Tier 1 risk-based capital ratio | 19.3830% | 1,670 |
| Total risk-based capital ratio | 20.7918% | 1,596 |
| Memoranda: | ||
| Average total assets | $8,761,750 | 8,069 |
| Average earning assets | $7,873,500 | 8,057 |
| Average equity | $858,750 | 8,074 |
| Average total loans | $4,041,250 | 7,996 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4012% | 1,010 |
| Cost of funding earning assets | 1.2853% | 6,854 |
| Net interest margin | 5.1159% | 348 |
| Noninterest income to average assets | 0.3838% | 5,432 |
| Noninterest expense to average assets | 4.4245% | 838 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5418% | 3,926 |
| Return on assets (ROA) | 0.5418% | 4,035 |
| Pretax return on assets | 0.5418% | 4,491 |
| Return on Equity (ROE) | 5.6515% | 3,802 |
| Retained earnings to average equity (ytd only) | 5.6515% | 2,179 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0909% | 1,896 |
| Assets per employee ($millions) | 1.7710% | 7,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 3,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.4331% | 1,821 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 46.5951% | 7,155 |
| Net loans and leases to deposits | 55.5765% | 7,188 |
| Net loans and leases to core deposits | 57.1152% | 7,553 |
| Total domestic deposits to total assets | 83.8396% | 3,850 |
| Equity capital to assets | 9.6894% | 4,363 |
| Core capital (leverage) ratio | 9.1481% | 4,391 |
| Tier 1 risk-based capital ratio | 18.5099% | 1,873 |
| Total risk-based capital ratio | 19.9907% | 1,782 |
| Memoranda: | ||
| Average total assets | $8,859,670 | 8,162 |
| Average earning assets | $7,936,000 | 8,146 |
| Average equity | $849,330 | 8,167 |
| Average total loans | $4,039,330 | 8,083 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5999% | 706 |
| Cost of funding earning assets | 1.4107% | 6,693 |
| Net interest margin | 5.1892% | 284 |
| Noninterest income to average assets | 0.1805% | 7,005 |
| Noninterest expense to average assets | 4.3331% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4965% | 4,437 |
| Return on assets (ROA) | 0.4965% | 4,623 |
| Pretax return on assets | 0.4965% | 5,087 |
| Return on Equity (ROE) | 5.2071% | 4,380 |
| Retained earnings to average equity (ytd only) | 3.3136% | 4,034 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7196% | 1,744 |
| Assets per employee ($millions) | 1.7544% | 8,038 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 2,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.4656% | 1,554 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.5052% | 7,302 |
| Net loans and leases to deposits | 49.9744% | 7,495 |
| Net loans and leases to core deposits | 51.2874% | 7,748 |
| Total domestic deposits to total assets | 89.0561% | 1,205 |
| Equity capital to assets | 9.7469% | 4,310 |
| Core capital (leverage) ratio | 8.8345% | 4,930 |
| Tier 1 risk-based capital ratio | 18.5413% | 1,917 |
| Total risk-based capital ratio | 20.0095% | 1,816 |
| Memoranda: | ||
| Average total assets | $8,862,000 | 8,212 |
| Average earning assets | $7,939,500 | 8,195 |
| Average equity | $845,000 | 8,221 |
| Average total loans | $3,964,000 | 8,139 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1636% | 4,705 |
| Cost of funding earning assets | 1.4700% | 7,654 |
| Net interest margin | 4.6936% | 985 |
| Noninterest income to average assets | 0.8027% | 2,501 |
| Noninterest expense to average assets | 4.8053% | 708 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0557% | 6,217 |
| Return on assets (ROA) | 0.0557% | 6,072 |
| Pretax return on assets | 0.0557% | 6,037 |
| Return on Equity (ROE) | 0.6605% | 6,019 |
| Retained earnings to average equity (ytd only) | 0.2642% | 5,081 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8532% | 1,027 |
| Assets per employee ($millions) | 1.7904% | 8,046 |
| Cash dividends to net income (ytd only)* | 60.0000% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 2,176 |
| Loan loss allowance to noncurrent loans | 75.2941% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 4.3007% | 909 |
| Noncurrent loans to loans | 2.1465% | 2,567 |
| Net loans and leases to total assets | 43.5210% | 7,499 |
| Net loans and leases to deposits | 49.3352% | 7,659 |
| Net loans and leases to core deposits | 51.2834% | 7,858 |
| Total domestic deposits to total assets | 88.2149% | 1,377 |
| Equity capital to assets | 9.3275% | 4,905 |
| Core capital (leverage) ratio | 8.4661% | 5,631 |
| Tier 1 risk-based capital ratio | 17.7290% | 2,108 |
| Total risk-based capital ratio | 19.1912% | 1,997 |
| Memoranda: | ||
| Average total assets | $8,969,200 | 8,262 |
| Average earning assets | $7,755,200 | 8,258 |
| Average equity | $757,000 | 8,292 |
| Average total loans | $4,014,800 | 8,193 |