Home > The Bank of Steinauer > Performance and Condition Ratios
The Bank of Steinauer, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5883% | 1,907 |
| Cost of funding earning assets | 1.3453% | 3,508 |
| Net interest margin | 4.2430% | 896 |
| Noninterest income to average assets | 0.8400% | 759 |
| Noninterest expense to average assets | 3.3510% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.3913% | 1,272 |
| Return on assets (ROA) | 1.3913% | 1,273 |
| Pretax return on assets | 1.5089% | 1,494 |
| Return on Equity (ROE) | 15.9700% | 903 |
| Retained earnings to average equity (ytd only) | 15.9685% | 351 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 68.9516% | 1,934 |
| Assets per employee ($millions) | 3.9053% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6762% | 4,070 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 47.6400% | 3,687 |
| Net loans and leases to deposits | 51.7259% | 3,811 |
| Net loans and leases to core deposits | 52.5044% | 3,920 |
| Total domestic deposits to total assets | 92.1100% | 262 |
| Equity capital to assets | 7.7416% | 3,726 |
| Core capital (leverage) ratio | 8.3326% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $20,412,000 | 4,390 |
| Average earning assets | $19,326,000 | 4,362 |
| Average equity | $1,778,500 | 4,405 |
| Average total loans | $11,505,500 | 4,296 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4417% | 2,252 |
| Cost of funding earning assets | 1.5697% | 3,232 |
| Net interest margin | 3.8720% | 1,392 |
| Noninterest income to average assets | 1.0700% | 551 |
| Noninterest expense to average assets | 4.3033% | 321 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.3168% | 3,823 |
| Return on assets (ROA) | 0.3168% | 3,846 |
| Pretax return on assets | 0.3860% | 3,820 |
| Return on Equity (ROE) | 3.2900% | 3,812 |
| Retained earnings to average equity (ytd only) | 3.2910% | 2,920 |
| Net charge-offs to loans | -0.1035% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 91.7690% | 444 |
| Assets per employee ($millions) | 2.8987% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6457% | 4,130 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 67.2400% | 2,228 |
| Net loans and leases to deposits | 75.0016% | 2,557 |
| Net loans and leases to core deposits | 77.8680% | 2,920 |
| Total domestic deposits to total assets | 89.6600% | 927 |
| Equity capital to assets | 10.0218% | 2,120 |
| Core capital (leverage) ratio | 9.4950% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $17,358,600 | 4,431 |
| Average earning assets | $16,244,800 | 4,401 |
| Average equity | $1,671,200 | 4,428 |
| Average total loans | $10,625,000 | 4,322 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2036% | 2,655 |
| Cost of funding earning assets | 1.5290% | 3,303 |
| Net interest margin | 3.6746% | 1,699 |
| Noninterest income to average assets | 1.0400% | 562 |
| Noninterest expense to average assets | 3.7808% | 432 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.6762% | 3,039 |
| Return on assets (ROA) | 0.6762% | 3,061 |
| Pretax return on assets | 0.6916% | 3,285 |
| Return on Equity (ROE) | 7.1000% | 3,009 |
| Retained earnings to average equity (ytd only) | 7.0970% | 1,710 |
| Net charge-offs to loans | -0.1419% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 84.5361% | 783 |
| Assets per employee ($millions) | 3.0823% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 4,097 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 58.6800% | 3,049 |
| Net loans and leases to deposits | 65.0795% | 3,296 |
| Net loans and leases to core deposits | 67.3786% | 3,516 |
| Total domestic deposits to total assets | 90.1600% | 546 |
| Equity capital to assets | 9.6031% | 2,578 |
| Core capital (leverage) ratio | 10.3220% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $17,350,250 | 4,457 |
| Average earning assets | $16,219,000 | 4,432 |
| Average equity | $1,653,250 | 4,460 |
| Average total loans | $10,338,500 | 4,351 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1260% | 2,699 |
| Cost of funding earning assets | 1.4663% | 3,355 |
| Net interest margin | 3.6596% | 1,669 |
| Noninterest income to average assets | 1.0500% | 541 |
| Noninterest expense to average assets | 3.8659% | 405 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6011% | 3,178 |
| Return on assets (ROA) | 0.6011% | 3,212 |
| Pretax return on assets | 0.6247% | 3,398 |
| Return on Equity (ROE) | 6.3300% | 3,194 |
| Retained earnings to average equity (ytd only) | 6.3262% | 1,892 |
| Net charge-offs to loans | -0.1972% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 86.0892% | 745 |
| Assets per employee ($millions) | 2.8620% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7164% | 4,081 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.3400% | 2,835 |
| Net loans and leases to deposits | 68.4094% | 3,099 |
| Net loans and leases to core deposits | 71.0249% | 3,313 |
| Total domestic deposits to total assets | 89.6600% | 799 |
| Equity capital to assets | 10.1270% | 1,996 |
| Core capital (leverage) ratio | 10.1536% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $16,969,000 | 4,480 |
| Average earning assets | $15,958,000 | 4,450 |
| Average equity | $1,612,333 | 4,474 |
| Average total loans | $10,142,000 | 4,371 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9148% | 2,952 |
| Cost of funding earning assets | 1.3862% | 3,419 |
| Net interest margin | 3.5286% | 1,850 |
| Noninterest income to average assets | 0.9700% | 584 |
| Noninterest expense to average assets | 3.7231% | 451 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5217% | 3,340 |
| Return on assets (ROA) | 0.5217% | 3,364 |
| Pretax return on assets | 0.5691% | 3,446 |
| Return on Equity (ROE) | 5.6800% | 3,307 |
| Retained earnings to average equity (ytd only) | 5.6811% | 2,202 |
| Net charge-offs to loans | -0.0404% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 86.7403% | 747 |
| Assets per employee ($millions) | 2.8365% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6793% | 4,141 |
| Loan loss allowance to noncurrent loans | 82.5000% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 1,339 |
| Noncurrent loans to loans | 0.8234% | 1,070 |
| Net loans and leases to total assets | 56.7000% | 3,143 |
| Net loans and leases to deposits | 63.1669% | 3,342 |
| Net loans and leases to core deposits | 65.5793% | 3,537 |
| Total domestic deposits to total assets | 89.7600% | 873 |
| Equity capital to assets | 10.0476% | 1,990 |
| Core capital (leverage) ratio | 10.1472% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $16,867,500 | 4,511 |
| Average earning assets | $15,870,500 | 4,478 |
| Average equity | $1,549,000 | 4,504 |
| Average total loans | $9,908,500 | 4,402 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 3,158 |
| Cost of funding earning assets | 0.9832% | 3,333 |
| Net interest margin | 3.4804% | 2,233 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 3.5850% | 520 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3203% | 3,995 |
| Return on assets (ROA) | 0.3203% | 3,998 |
| Pretax return on assets | 0.4127% | 3,941 |
| Return on Equity (ROE) | 3.8100% | 3,915 |
| Retained earnings to average equity (ytd only) | 3.8123% | 3,024 |
| Net charge-offs to loans | 0.1084% | 858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 6.0909% | 2,496 |
| Efficiency ratio | 89.6764% | 421 |
| Assets per employee ($millions) | 2.7860% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6435% | 4,193 |
| Loan loss allowance to noncurrent loans | 154.7619% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 1,956 |
| Noncurrent loans to loans | 0.4158% | 1,739 |
| Net loans and leases to total assets | 60.0400% | 2,839 |
| Net loans and leases to deposits | 65.6548% | 3,194 |
| Net loans and leases to core deposits | 68.1192% | 3,402 |
| Total domestic deposits to total assets | 91.4500% | 402 |
| Equity capital to assets | 8.3034% | 3,195 |
| Core capital (leverage) ratio | 8.1513% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7738% | 1,601 |
| Memoranda: | ||
| Average total assets | $16,234,200 | 4,532 |
| Average earning assets | $15,257,000 | 4,497 |
| Average equity | $1,364,000 | 4,512 |
| Average total loans | $10,147,000 | 4,411 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 3,247 |
| Cost of funding earning assets | 0.9058% | 3,258 |
| Net interest margin | 3.4209% | 2,410 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 3.5000% | 557 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3806% | 3,999 |
| Return on assets (ROA) | 0.3806% | 3,997 |
| Pretax return on assets | 0.3806% | 4,084 |
| Return on Equity (ROE) | 4.5200% | 3,893 |
| Retained earnings to average equity (ytd only) | 4.5163% | 3,093 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 90.1919% | 368 |
| Assets per employee ($millions) | 2.6787% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7209% | 4,100 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 65.1300% | 2,331 |
| Net loans and leases to deposits | 73.3703% | 2,619 |
| Net loans and leases to core deposits | 73.3703% | 3,030 |
| Total domestic deposits to total assets | 88.7600% | 1,328 |
| Equity capital to assets | 8.5988% | 2,663 |
| Core capital (leverage) ratio | 8.6537% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8302% | 1,131 |
| Memoranda: | ||
| Average total assets | $16,113,750 | 4,559 |
| Average earning assets | $15,161,500 | 4,525 |
| Average equity | $1,358,000 | 4,538 |
| Average total loans | $10,158,500 | 4,436 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1785% | 3,342 |
| Cost of funding earning assets | 0.7802% | 3,268 |
| Net interest margin | 3.3983% | 2,520 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 3.3483% | 650 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4216% | 3,966 |
| Return on assets (ROA) | 0.4216% | 3,969 |
| Pretax return on assets | 0.4216% | 4,085 |
| Return on Equity (ROE) | 5.0400% | 3,868 |
| Retained earnings to average equity (ytd only) | 5.0370% | 2,927 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.8158% | 391 |
| Assets per employee ($millions) | 3.1636% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7499% | 4,104 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 63.5900% | 2,424 |
| Net loans and leases to deposits | 71.6708% | 2,672 |
| Net loans and leases to core deposits | 71.6708% | 3,031 |
| Total domestic deposits to total assets | 88.7300% | 1,339 |
| Equity capital to assets | 8.6610% | 2,739 |
| Core capital (leverage) ratio | 8.7117% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0599% | 1,117 |
| Memoranda: | ||
| Average total assets | $16,127,667 | 4,588 |
| Average earning assets | $15,125,000 | 4,553 |
| Average equity | $1,350,000 | 4,570 |
| Average total loans | $10,030,333 | 4,465 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9594% | 3,531 |
| Cost of funding earning assets | 0.6817% | 3,114 |
| Net interest margin | 3.2776% | 2,930 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 3.4393% | 580 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1965% | 4,358 |
| Return on assets (ROA) | 0.1965% | 4,324 |
| Pretax return on assets | 0.1965% | 4,339 |
| Return on Equity (ROE) | 2.3900% | 4,254 |
| Retained earnings to average equity (ytd only) | 2.3881% | 3,631 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 94.5946% | 246 |
| Assets per employee ($millions) | 3.2044% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7792% | 4,125 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 1,928 |
| Noncurrent loans to loans | 0.3896% | 1,759 |
| Net loans and leases to total assets | 60.4000% | 2,610 |
| Net loans and leases to deposits | 68.7873% | 2,714 |
| Net loans and leases to core deposits | 68.7873% | 3,036 |
| Total domestic deposits to total assets | 87.8000% | 1,988 |
| Equity capital to assets | 8.3885% | 2,979 |
| Core capital (leverage) ratio | 8.3520% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6565% | 2,109 |
| Memoranda: | ||
| Average total assets | $16,282,500 | 4,648 |
| Average earning assets | $15,255,000 | 4,620 |
| Average equity | $1,340,000 | 4,639 |
| Average total loans | $9,978,000 | 4,533 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5676% | 2,890 |
| Cost of funding earning assets | 0.3102% | 2,790 |
| Net interest margin | 3.2574% | 2,682 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.9593% | 1,025 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3330% | 4,339 |
| Return on assets (ROA) | 0.3330% | 4,306 |
| Pretax return on assets | 0.4147% | 4,265 |
| Return on Equity (ROE) | 4.0600% | 4,154 |
| Retained earnings to average equity (ytd only) | 4.0607% | 3,376 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 87.7095% | 367 |
| Assets per employee ($millions) | 3.3086% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7449% | 4,146 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 61.2200% | 2,524 |
| Net loans and leases to deposits | 72.4444% | 2,374 |
| Net loans and leases to core deposits | 72.4444% | 2,688 |
| Total domestic deposits to total assets | 84.5000% | 3,103 |
| Equity capital to assets | 8.0759% | 3,015 |
| Core capital (leverage) ratio | 8.4535% | 4,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7081% | 1,187 |
| Memoranda: | ||
| Average total assets | $15,915,800 | 4,685 |
| Average earning assets | $14,827,800 | 4,657 |
| Average equity | $1,305,200 | 4,700 |
| Average total loans | $9,431,200 | 4,572 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5004% | 2,618 |
| Cost of funding earning assets | 0.3091% | 2,067 |
| Net interest margin | 3.1913% | 2,649 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.9104% | 1,035 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3130% | 4,371 |
| Return on assets (ROA) | 0.3130% | 4,326 |
| Pretax return on assets | 0.3384% | 4,340 |
| Return on Equity (ROE) | 3.8000% | 4,181 |
| Retained earnings to average equity (ytd only) | 3.8021% | 3,510 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.5833% | 332 |
| Assets per employee ($millions) | 3.1534% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7899% | 4,119 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 60.5400% | 2,444 |
| Net loans and leases to deposits | 69.0039% | 2,451 |
| Net loans and leases to core deposits | 69.0039% | 2,722 |
| Total domestic deposits to total assets | 87.7400% | 2,506 |
| Equity capital to assets | 8.3656% | 2,629 |
| Core capital (leverage) ratio | 8.3905% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5796% | 1,070 |
| Memoranda: | ||
| Average total assets | $15,759,000 | 4,723 |
| Average earning assets | $14,664,500 | 4,695 |
| Average equity | $1,297,500 | 4,739 |
| Average total loans | $9,238,250 | 4,611 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3733% | 2,507 |
| Cost of funding earning assets | 0.2880% | 1,820 |
| Net interest margin | 3.0853% | 2,579 |
| Noninterest income to average assets | 0.2666% | 3,575 |
| Noninterest expense to average assets | 2.7418% | 1,287 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3427% | 4,215 |
| Return on assets (ROA) | 0.3427% | 4,170 |
| Pretax return on assets | 0.3808% | 4,186 |
| Return on Equity (ROE) | 4.1850% | 3,989 |
| Retained earnings to average equity (ytd only) | 4.1850% | 3,016 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8049% | 497 |
| Assets per employee ($millions) | 3.9793% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 4,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 58.9684% | 2,441 |
| Net loans and leases to deposits | 65.1896% | 2,620 |
| Net loans and leases to core deposits | 65.1896% | 2,882 |
| Total domestic deposits to total assets | 90.4567% | 1,489 |
| Equity capital to assets | 8.2239% | 2,962 |
| Core capital (leverage) ratio | 8.0952% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5161% | 1,072 |
| Memoranda: | ||
| Average total assets | $15,756,333 | 4,757 |
| Average earning assets | $14,585,333 | 4,742 |
| Average equity | $1,290,333 | 4,764 |
| Average total loans | $9,110,333 | 4,675 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0872% | 3,014 |
| Cost of funding earning assets | 0.3059% | 1,601 |
| Net interest margin | 2.7813% | 3,196 |
| Noninterest income to average assets | 0.2552% | 3,614 |
| Noninterest expense to average assets | 2.8324% | 1,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1021% | 4,597 |
| Return on assets (ROA) | -0.1021% | 4,580 |
| Pretax return on assets | -0.0255% | 4,533 |
| Return on Equity (ROE) | -1.2490% | 4,600 |
| Retained earnings to average equity (ytd only) | -1.2490% | 4,167 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9091% | 230 |
| Assets per employee ($millions) | 4.0900% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 4,028 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 2,999 |
| Noncurrent loans to loans | 0.2265% | 2,690 |
| Net loans and leases to total assets | 50.8007% | 3,093 |
| Net loans and leases to deposits | 55.1347% | 3,330 |
| Net loans and leases to core deposits | 55.1347% | 3,516 |
| Total domestic deposits to total assets | 92.1394% | 523 |
| Equity capital to assets | 7.8178% | 3,712 |
| Core capital (leverage) ratio | 7.9609% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1968% | 728 |
| Memoranda: | ||
| Average total assets | $15,676,000 | 4,784 |
| Average earning assets | $14,382,000 | 4,767 |
| Average equity | $1,281,000 | 4,789 |
| Average total loans | $8,934,500 | 4,703 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5232% | 2,596 |
| Cost of funding earning assets | 0.3775% | 1,699 |
| Net interest margin | 3.1457% | 2,747 |
| Noninterest income to average assets | 0.2215% | 4,043 |
| Noninterest expense to average assets | 2.9901% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1177% | 4,612 |
| Return on assets (ROA) | 0.1177% | 4,620 |
| Pretax return on assets | 0.1730% | 4,588 |
| Return on Equity (ROE) | 1.3317% | 4,572 |
| Retained earnings to average equity (ytd only) | 1.3317% | 4,166 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5295% | 223 |
| Assets per employee ($millions) | 3.7480% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 4,263 |
| Loan loss allowance to noncurrent loans | 316.6667% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 2,820 |
| Noncurrent loans to loans | 0.2531% | 2,711 |
| Net loans and leases to total assets | 62.7401% | 1,854 |
| Net loans and leases to deposits | 68.7071% | 2,247 |
| Net loans and leases to core deposits | 68.7071% | 2,582 |
| Total domestic deposits to total assets | 91.3154% | 381 |
| Equity capital to assets | 8.5579% | 4,012 |
| Core capital (leverage) ratio | 8.4010% | 4,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,447,800 | 4,832 |
| Average earning assets | $13,510,400 | 4,817 |
| Average equity | $1,276,600 | 4,831 |
| Average total loans | $9,475,000 | 4,737 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5188% | 2,770 |
| Cost of funding earning assets | 0.3877% | 1,798 |
| Net interest margin | 3.1311% | 2,960 |
| Noninterest income to average assets | 0.2143% | 4,116 |
| Noninterest expense to average assets | 2.9625% | 1,032 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1770% | 4,644 |
| Return on assets (ROA) | 0.1770% | 4,664 |
| Pretax return on assets | 0.1863% | 4,675 |
| Return on Equity (ROE) | 1.9869% | 4,593 |
| Retained earnings to average equity (ytd only) | 1.9869% | 4,187 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0828% | 228 |
| Assets per employee ($millions) | 3.4443% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 4,316 |
| Loan loss allowance to noncurrent loans | 262.0690% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 2,722 |
| Noncurrent loans to loans | 0.3139% | 2,660 |
| Net loans and leases to total assets | 66.5167% | 1,481 |
| Net loans and leases to deposits | 73.4236% | 1,911 |
| Net loans and leases to core deposits | 73.4236% | 2,287 |
| Total domestic deposits to total assets | 90.5930% | 511 |
| Equity capital to assets | 9.3271% | 3,532 |
| Core capital (leverage) ratio | 9.0163% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,311,750 | 4,906 |
| Average earning assets | $13,413,500 | 4,891 |
| Average equity | $1,275,000 | 4,905 |
| Average total loans | $9,473,250 | 4,808 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4812% | 2,934 |
| Cost of funding earning assets | 0.3966% | 1,907 |
| Net interest margin | 3.0846% | 3,076 |
| Noninterest income to average assets | 0.1932% | 4,232 |
| Noninterest expense to average assets | 2.8709% | 1,208 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2070% | 4,626 |
| Return on assets (ROA) | 0.2070% | 4,641 |
| Pretax return on assets | 0.2208% | 4,660 |
| Return on Equity (ROE) | 2.3591% | 4,560 |
| Retained earnings to average equity (ytd only) | 2.3591% | 4,031 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8571% | 273 |
| Assets per employee ($millions) | 3.5993% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8146% | 4,344 |
| Loan loss allowance to noncurrent loans | 143.3962% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 2,133 |
| Noncurrent loans to loans | 0.5681% | 1,979 |
| Net loans and leases to total assets | 64.2773% | 1,918 |
| Net loans and leases to deposits | 70.6143% | 2,347 |
| Net loans and leases to core deposits | 70.6143% | 2,722 |
| Total domestic deposits to total assets | 91.0259% | 367 |
| Equity capital to assets | 8.8977% | 3,893 |
| Core capital (leverage) ratio | 8.5605% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,490,000 | 4,941 |
| Average earning assets | $13,616,000 | 4,925 |
| Average equity | $1,271,667 | 4,940 |
| Average total loans | $9,551,000 | 4,845 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5355% | 2,816 |
| Cost of funding earning assets | 0.4125% | 1,996 |
| Net interest margin | 3.1230% | 2,917 |
| Noninterest income to average assets | 0.2201% | 4,063 |
| Noninterest expense to average assets | 3.0269% | 950 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0826% | 4,724 |
| Return on assets (ROA) | 0.0826% | 4,735 |
| Pretax return on assets | 0.1101% | 4,722 |
| Return on Equity (ROE) | 0.9471% | 4,717 |
| Retained earnings to average equity (ytd only) | 0.9471% | 4,228 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4912% | 239 |
| Assets per employee ($millions) | 4.9127% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 4,344 |
| Loan loss allowance to noncurrent loans | 185.3659% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 2,761 |
| Noncurrent loans to loans | 0.4480% | 2,515 |
| Net loans and leases to total assets | 61.5755% | 2,331 |
| Net loans and leases to deposits | 67.4370% | 2,761 |
| Net loans and leases to core deposits | 67.4370% | 3,116 |
| Total domestic deposits to total assets | 91.3082% | 293 |
| Equity capital to assets | 8.6036% | 4,044 |
| Core capital (leverage) ratio | 8.9390% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,536,500 | 4,968 |
| Average earning assets | $13,576,500 | 4,953 |
| Average equity | $1,267,000 | 4,967 |
| Average total loans | $9,661,500 | 4,867 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6296% | 1,043 |
| Cost of funding earning assets | 0.5654% | 2,534 |
| Net interest margin | 4.0642% | 848 |
| Noninterest income to average assets | 0.2312% | 4,115 |
| Noninterest expense to average assets | 3.5991% | 598 |
| Loan and lease loss provision to assets | 0.0385% | 3,930 |
| Net operating income to assets | 0.3160% | 4,412 |
| Return on assets (ROA) | 0.3160% | 4,481 |
| Pretax return on assets | 0.4162% | 4,395 |
| Return on Equity (ROE) | 3.2478% | 4,316 |
| Retained earnings to average equity (ytd only) | 3.2478% | 3,205 |
| Net charge-offs to loans | 0.0098% | 2,971 |
| Credit loss provision to net charge-offs | 500.0000% | 1,248 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 1,079 |
| Efficiency ratio | 88.7833% | 418 |
| Assets per employee ($millions) | 4.7783% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7471% | 4,515 |
| Loan loss allowance to noncurrent loans | 168.8889% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 2,741 |
| Noncurrent loans to loans | 0.4424% | 2,648 |
| Net loans and leases to total assets | 70.4290% | 1,504 |
| Net loans and leases to deposits | 77.3996% | 2,137 |
| Net loans and leases to core deposits | 77.3996% | 2,604 |
| Total domestic deposits to total assets | 90.9941% | 230 |
| Equity capital to assets | 8.8315% | 4,195 |
| Core capital (leverage) ratio | 9.0688% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $12,975,600 | 4,993 |
| Average earning assets | $12,204,000 | 4,977 |
| Average equity | $1,262,400 | 4,990 |
| Average total loans | $10,252,800 | 4,889 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7647% | 935 |
| Cost of funding earning assets | 0.6040% | 2,585 |
| Net interest margin | 4.1607% | 792 |
| Noninterest income to average assets | 0.2427% | 4,027 |
| Noninterest expense to average assets | 3.3133% | 890 |
| Loan and lease loss provision to assets | 0.0554% | 3,657 |
| Net operating income to assets | 0.7703% | 3,209 |
| Return on assets (ROA) | 0.7703% | 3,323 |
| Pretax return on assets | 0.8019% | 3,639 |
| Return on Equity (ROE) | 7.7155% | 2,917 |
| Retained earnings to average equity (ytd only) | 7.7155% | 1,410 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4937% | 905 |
| Assets per employee ($millions) | 3.2248% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7364% | 4,512 |
| Loan loss allowance to noncurrent loans | 146.1538% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 2,566 |
| Noncurrent loans to loans | 0.5038% | 2,542 |
| Net loans and leases to total assets | 79.4248% | 666 |
| Net loans and leases to deposits | 88.4257% | 1,435 |
| Net loans and leases to core deposits | 88.4257% | 2,112 |
| Total domestic deposits to total assets | 89.8209% | 492 |
| Equity capital to assets | 10.0705% | 3,164 |
| Core capital (leverage) ratio | 10.2453% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $12,635,750 | 5,025 |
| Average earning assets | $11,920,750 | 5,011 |
| Average equity | $1,261,500 | 5,024 |
| Average total loans | $10,273,000 | 4,921 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7843% | 1,209 |
| Cost of funding earning assets | 0.6211% | 2,858 |
| Net interest margin | 4.1632% | 995 |
| Noninterest income to average assets | 0.2710% | 3,857 |
| Noninterest expense to average assets | 3.2196% | 1,127 |
| Loan and lease loss provision to assets | 0.0797% | 3,300 |
| Net operating income to assets | 0.8766% | 2,784 |
| Return on assets (ROA) | 0.8766% | 2,900 |
| Pretax return on assets | 0.9245% | 3,246 |
| Return on Equity (ROE) | 8.8070% | 2,445 |
| Retained earnings to average equity (ytd only) | 8.8070% | 1,064 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2264% | 1,244 |
| Assets per employee ($millions) | 3.1080% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7475% | 4,469 |
| Loan loss allowance to noncurrent loans | 131.0345% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 2,453 |
| Noncurrent loans to loans | 0.5705% | 2,448 |
| Net loans and leases to total assets | 81.1696% | 482 |
| Net loans and leases to deposits | 90.6079% | 1,295 |
| Net loans and leases to core deposits | 90.6079% | 2,021 |
| Total domestic deposits to total assets | 89.5833% | 539 |
| Equity capital to assets | 10.3041% | 2,923 |
| Core capital (leverage) ratio | 10.4350% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $12,548,000 | 5,058 |
| Average earning assets | $11,914,000 | 5,043 |
| Average equity | $1,249,000 | 5,057 |
| Average total loans | $10,257,000 | 4,956 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7461% | 1,567 |
| Cost of funding earning assets | 0.6306% | 3,269 |
| Net interest margin | 4.1155% | 1,100 |
| Noninterest income to average assets | 0.3173% | 3,617 |
| Noninterest expense to average assets | 3.6173% | 801 |
| Loan and lease loss provision to assets | 0.1587% | 1,820 |
| Net operating income to assets | 0.4760% | 3,955 |
| Return on assets (ROA) | 0.4760% | 4,011 |
| Pretax return on assets | 0.4760% | 4,155 |
| Return on Equity (ROE) | 4.8662% | 3,683 |
| Retained earnings to average equity (ytd only) | 4.8662% | 2,338 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0746% | 762 |
| Assets per employee ($millions) | 3.1733% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 4,536 |
| Loan loss allowance to noncurrent loans | 122.5806% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 2,532 |
| Noncurrent loans to loans | 0.6062% | 2,473 |
| Net loans and leases to total assets | 79.9811% | 701 |
| Net loans and leases to deposits | 93.1462% | 1,165 |
| Net loans and leases to core deposits | 93.1462% | 2,049 |
| Total domestic deposits to total assets | 85.8662% | 2,048 |
| Equity capital to assets | 9.7692% | 3,983 |
| Core capital (leverage) ratio | 10.1548% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $12,606,000 | 5,107 |
| Average earning assets | $12,052,000 | 5,092 |
| Average equity | $1,233,000 | 5,106 |
| Average total loans | $10,302,000 | 4,992 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0854% | 1,247 |
| Cost of funding earning assets | 0.5650% | 3,800 |
| Net interest margin | 4.5203% | 691 |
| Noninterest income to average assets | 0.3812% | 3,411 |
| Noninterest expense to average assets | 4.2176% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3488% | 4,680 |
| Return on assets (ROA) | 0.3488% | 4,711 |
| Pretax return on assets | 0.4461% | 4,648 |
| Return on Equity (ROE) | 3.5096% | 4,575 |
| Retained earnings to average equity (ytd only) | 3.5096% | 3,254 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4348% | 340 |
| Assets per employee ($millions) | 3.1298% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6843% | 4,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 82.3149% | 518 |
| Net loans and leases to deposits | 91.4618% | 1,435 |
| Net loans and leases to core deposits | 91.4618% | 2,280 |
| Total domestic deposits to total assets | 89.9992% | 318 |
| Equity capital to assets | 9.7931% | 4,109 |
| Core capital (leverage) ratio | 9.9959% | 3,522 |
| Tier 1 risk-based capital ratio | 14.1488% | 3,185 |
| Total risk-based capital ratio | 14.9688% | 3,306 |
| Memoranda: | ||
| Average total assets | $12,329,200 | 5,169 |
| Average earning assets | $11,680,600 | 5,153 |
| Average equity | $1,225,200 | 5,167 |
| Average total loans | $10,151,000 | 5,053 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0696% | 1,359 |
| Cost of funding earning assets | 0.5391% | 3,985 |
| Net interest margin | 4.5305% | 716 |
| Noninterest income to average assets | 0.4017% | 3,304 |
| Noninterest expense to average assets | 3.6584% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9771% | 3,063 |
| Return on assets (ROA) | 0.9771% | 3,139 |
| Pretax return on assets | 1.0314% | 3,498 |
| Return on Equity (ROE) | 9.7959% | 2,519 |
| Retained earnings to average equity (ytd only) | 9.7959% | 803 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0093% | 1,104 |
| Assets per employee ($millions) | 2.9360% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6946% | 4,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 86.4271% | 168 |
| Net loans and leases to deposits | 97.0827% | 906 |
| Net loans and leases to core deposits | 97.0827% | 1,894 |
| Total domestic deposits to total assets | 89.0242% | 603 |
| Equity capital to assets | 10.8396% | 3,259 |
| Core capital (leverage) ratio | 10.6314% | 2,990 |
| Tier 1 risk-based capital ratio | 16.0086% | 2,425 |
| Total risk-based capital ratio | 16.9014% | 2,519 |
| Memoranda: | ||
| Average total assets | $12,281,750 | 5,247 |
| Average earning assets | $11,624,500 | 5,231 |
| Average equity | $1,225,000 | 5,244 |
| Average total loans | $10,094,750 | 5,133 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 1,553 |
| Cost of funding earning assets | 0.4922% | 4,150 |
| Net interest margin | 4.4812% | 805 |
| Noninterest income to average assets | 0.4173% | 3,155 |
| Noninterest expense to average assets | 3.6113% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9630% | 3,047 |
| Return on assets (ROA) | 0.9630% | 3,125 |
| Pretax return on assets | 1.0433% | 3,409 |
| Return on Equity (ROE) | 9.9256% | 2,427 |
| Retained earnings to average equity (ytd only) | 9.9256% | 783 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5862% | 1,206 |
| Assets per employee ($millions) | 3.0108% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7187% | 4,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 81.4415% | 680 |
| Net loans and leases to deposits | 90.9327% | 1,640 |
| Net loans and leases to core deposits | 90.9327% | 2,520 |
| Total domestic deposits to total assets | 89.5624% | 461 |
| Equity capital to assets | 10.3130% | 3,683 |
| Core capital (leverage) ratio | 10.1487% | 3,443 |
| Tier 1 risk-based capital ratio | 15.3504% | 2,682 |
| Total risk-based capital ratio | 16.2279% | 2,772 |
| Memoranda: | ||
| Average total assets | $12,461,000 | 5,289 |
| Average earning assets | $11,782,670 | 5,277 |
| Average equity | $1,209,000 | 5,292 |
| Average total loans | $10,052,670 | 5,181 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8660% | 1,707 |
| Cost of funding earning assets | 0.4363% | 4,342 |
| Net interest margin | 4.4297% | 846 |
| Noninterest income to average assets | 0.4420% | 2,899 |
| Noninterest expense to average assets | 3.7885% | 660 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6630% | 4,049 |
| Return on assets (ROA) | 0.6630% | 4,086 |
| Pretax return on assets | 0.8208% | 3,993 |
| Return on Equity (ROE) | 7.0440% | 3,663 |
| Retained earnings to average equity (ytd only) | 7.0440% | 2,020 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1918% | 855 |
| Assets per employee ($millions) | 4.1903% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7127% | 4,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 78.6811% | 1,041 |
| Net loans and leases to deposits | 87.1223% | 1,984 |
| Net loans and leases to core deposits | 87.1223% | 2,769 |
| Total domestic deposits to total assets | 90.3110% | 352 |
| Equity capital to assets | 9.5696% | 4,192 |
| Core capital (leverage) ratio | 9.6302% | 3,997 |
| Tier 1 risk-based capital ratio | 14.6654% | 3,027 |
| Total risk-based capital ratio | 15.5309% | 3,130 |
| Memoranda: | ||
| Average total assets | $12,670,000 | 5,347 |
| Average earning assets | $11,919,500 | 5,333 |
| Average equity | $1,192,500 | 5,350 |
| Average total loans | $10,139,500 | 5,241 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8925% | 1,313 |
| Cost of funding earning assets | 0.4320% | 3,790 |
| Net interest margin | 4.4606% | 825 |
| Noninterest income to average assets | 0.6008% | 2,285 |
| Noninterest expense to average assets | 4.3042% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3539% | 4,936 |
| Return on assets (ROA) | 0.3539% | 4,933 |
| Pretax return on assets | 0.4609% | 4,855 |
| Return on Equity (ROE) | 3.6134% | 4,795 |
| Retained earnings to average equity (ytd only) | 3.6134% | 3,598 |
| Net charge-offs to loans | -0.0295% | 4,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3282% | 330 |
| Assets per employee ($millions) | 3.1923% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 4,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 80.2412% | 902 |
| Net loans and leases to deposits | 88.6256% | 1,975 |
| Net loans and leases to core deposits | 88.6256% | 2,689 |
| Total domestic deposits to total assets | 90.5396% | 313 |
| Equity capital to assets | 9.2568% | 4,362 |
| Core capital (leverage) ratio | 9.5461% | 4,066 |
| Tier 1 risk-based capital ratio | 13.7218% | 3,428 |
| Total risk-based capital ratio | 14.5461% | 3,545 |
| Memoranda: | ||
| Average total assets | $12,151,000 | 5,393 |
| Average earning assets | $11,343,800 | 5,381 |
| Average equity | $1,190,000 | 5,397 |
| Average total loans | $10,171,400 | 5,283 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0268% | 890 |
| Cost of funding earning assets | 0.4050% | 3,824 |
| Net interest margin | 4.6218% | 567 |
| Noninterest income to average assets | 0.6446% | 2,101 |
| Noninterest expense to average assets | 3.6787% | 776 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2559% | 2,019 |
| Return on assets (ROA) | 1.2559% | 2,030 |
| Pretax return on assets | 1.2781% | 2,696 |
| Return on Equity (ROE) | 12.6393% | 1,567 |
| Retained earnings to average equity (ytd only) | 12.6393% | 400 |
| Net charge-offs to loans | -0.0263% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2152% | 1,558 |
| Assets per employee ($millions) | 2.9835% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6575% | 4,955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 88.6291% | 121 |
| Net loans and leases to deposits | 101.0220% | 703 |
| Net loans and leases to core deposits | 101.0220% | 1,699 |
| Total domestic deposits to total assets | 87.7325% | 1,371 |
| Equity capital to assets | 10.4910% | 3,153 |
| Core capital (leverage) ratio | 10.5529% | 3,030 |
| Tier 1 risk-based capital ratio | 13.8972% | 3,424 |
| Total risk-based capital ratio | 14.6742% | 3,588 |
| Memoranda: | ||
| Average total assets | $11,996,500 | 5,464 |
| Average earning assets | $11,193,000 | 5,452 |
| Average equity | $1,192,000 | 5,467 |
| Average total loans | $10,135,000 | 5,351 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9378% | 946 |
| Cost of funding earning assets | 0.4325% | 3,480 |
| Net interest margin | 4.5053% | 693 |
| Noninterest income to average assets | 0.6990% | 1,873 |
| Noninterest expense to average assets | 3.5615% | 914 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2648% | 1,914 |
| Return on assets (ROA) | 1.2648% | 1,917 |
| Pretax return on assets | 1.2981% | 2,523 |
| Return on Equity (ROE) | 12.9693% | 1,384 |
| Retained earnings to average equity (ytd only) | 12.9693% | 385 |
| Net charge-offs to loans | -0.0201% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2877% | 1,805 |
| Assets per employee ($millions) | 3.0253% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6689% | 5,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 84.6707% | 386 |
| Net loans and leases to deposits | 94.2161% | 1,333 |
| Net loans and leases to core deposits | 94.2161% | 2,202 |
| Total domestic deposits to total assets | 89.8686% | 616 |
| Equity capital to assets | 10.0405% | 3,582 |
| Core capital (leverage) ratio | 9.9664% | 3,613 |
| Tier 1 risk-based capital ratio | 13.9415% | 3,383 |
| Total risk-based capital ratio | 14.7332% | 3,539 |
| Memoranda: | ||
| Average total assets | $12,017,330 | 5,529 |
| Average earning assets | $11,098,000 | 5,516 |
| Average equity | $1,172,000 | 5,531 |
| Average total loans | $9,964,330 | 5,415 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 1,057 |
| Cost of funding earning assets | 0.4010% | 3,578 |
| Net interest margin | 4.4108% | 752 |
| Noninterest income to average assets | 0.5010% | 2,792 |
| Noninterest expense to average assets | 3.7076% | 748 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7682% | 3,835 |
| Return on assets (ROA) | 0.7682% | 3,837 |
| Pretax return on assets | 0.8350% | 4,068 |
| Return on Equity (ROE) | 7.9965% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.9965% | 1,837 |
| Net charge-offs to loans | -0.0409% | 4,878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6176% | 991 |
| Assets per employee ($millions) | 2.9878% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7257% | 4,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 78.9808% | 1,085 |
| Net loans and leases to deposits | 87.5765% | 1,987 |
| Net loans and leases to core deposits | 87.5765% | 2,669 |
| Total domestic deposits to total assets | 90.1849% | 588 |
| Equity capital to assets | 9.7230% | 3,865 |
| Core capital (leverage) ratio | 9.8375% | 3,724 |
| Tier 1 risk-based capital ratio | 14.4527% | 3,144 |
| Total risk-based capital ratio | 15.3109% | 3,263 |
| Memoranda: | ||
| Average total assets | $11,975,500 | 5,592 |
| Average earning assets | $10,973,000 | 5,579 |
| Average equity | $1,150,500 | 5,592 |
| Average total loans | $9,789,000 | 5,480 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 1,043 |
| Cost of funding earning assets | 0.4128% | 3,127 |
| Net interest margin | 4.3522% | 859 |
| Noninterest income to average assets | 0.5287% | 2,826 |
| Noninterest expense to average assets | 4.1202% | 459 |
| Loan and lease loss provision to assets | 0.0420% | 3,417 |
| Net operating income to assets | 0.3608% | 4,807 |
| Return on assets (ROA) | 0.3608% | 4,826 |
| Pretax return on assets | 0.4364% | 5,033 |
| Return on Equity (ROE) | 3.8033% | 4,557 |
| Retained earnings to average equity (ytd only) | 3.8033% | 2,941 |
| Net charge-offs to loans | 0.0312% | 3,175 |
| Credit loss provision to net charge-offs | 166.6667% | 1,607 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 2,045 |
| Efficiency ratio | 89.5985% | 452 |
| Assets per employee ($millions) | 3.0000% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6753% | 5,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 83.3500% | 509 |
| Net loans and leases to deposits | 92.2779% | 1,484 |
| Net loans and leases to core deposits | 92.2779% | 2,347 |
| Total domestic deposits to total assets | 90.3250% | 457 |
| Equity capital to assets | 9.4917% | 4,241 |
| Core capital (leverage) ratio | 9.4641% | 4,092 |
| Tier 1 risk-based capital ratio | 13.3953% | 3,692 |
| Total risk-based capital ratio | 14.1950% | 3,840 |
| Memoranda: | ||
| Average total assets | $11,917,000 | 5,656 |
| Average earning assets | $11,143,800 | 5,643 |
| Average equity | $1,130,600 | 5,661 |
| Average total loans | $9,606,600 | 5,545 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6428% | 1,268 |
| Cost of funding earning assets | 0.4037% | 3,153 |
| Net interest margin | 4.2391% | 1,067 |
| Noninterest income to average assets | 0.5155% | 2,936 |
| Noninterest expense to average assets | 3.6874% | 783 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8070% | 3,498 |
| Return on assets (ROA) | 0.8070% | 3,543 |
| Pretax return on assets | 0.8294% | 4,272 |
| Return on Equity (ROE) | 8.5069% | 2,875 |
| Retained earnings to average equity (ytd only) | 8.5069% | 1,014 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6377% | 947 |
| Assets per employee ($millions) | 2.9578% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6463% | 5,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 85.7578% | 273 |
| Net loans and leases to deposits | 101.9698% | 620 |
| Net loans and leases to core deposits | 101.9698% | 1,549 |
| Total domestic deposits to total assets | 84.1011% | 3,081 |
| Equity capital to assets | 9.8808% | 4,049 |
| Core capital (leverage) ratio | 9.9667% | 3,607 |
| Tier 1 risk-based capital ratio | 13.6613% | 3,608 |
| Total risk-based capital ratio | 14.4326% | 3,801 |
| Memoranda: | ||
| Average total assets | $11,896,250 | 5,722 |
| Average earning assets | $11,228,500 | 5,707 |
| Average equity | $1,128,500 | 5,727 |
| Average total loans | $9,490,750 | 5,608 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4958% | 1,519 |
| Cost of funding earning assets | 0.3909% | 3,162 |
| Net interest margin | 4.1048% | 1,311 |
| Noninterest income to average assets | 0.5370% | 2,783 |
| Noninterest expense to average assets | 3.6416% | 828 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7384% | 3,678 |
| Return on assets (ROA) | 0.7384% | 3,743 |
| Pretax return on assets | 0.7719% | 4,365 |
| Return on Equity (ROE) | 7.8924% | 3,096 |
| Retained earnings to average equity (ytd only) | 7.8924% | 1,213 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5095% | 957 |
| Assets per employee ($millions) | 2.8138% | 5,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7019% | 5,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 82.9587% | 562 |
| Net loans and leases to deposits | 92.4089% | 1,442 |
| Net loans and leases to core deposits | 92.4089% | 2,303 |
| Total domestic deposits to total assets | 89.7734% | 612 |
| Equity capital to assets | 10.1288% | 3,763 |
| Core capital (leverage) ratio | 9.7486% | 3,839 |
| Tier 1 risk-based capital ratio | 14.0429% | 3,412 |
| Total risk-based capital ratio | 14.8559% | 3,555 |
| Memoranda: | ||
| Average total assets | $11,918,000 | 5,770 |
| Average earning assets | $11,255,000 | 5,757 |
| Average equity | $1,115,000 | 5,777 |
| Average total loans | $9,250,330 | 5,663 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3433% | 1,840 |
| Cost of funding earning assets | 0.3822% | 3,184 |
| Net interest margin | 3.9611% | 1,577 |
| Noninterest income to average assets | 0.5225% | 2,824 |
| Noninterest expense to average assets | 3.7879% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3919% | 4,962 |
| Return on assets (ROA) | 0.3919% | 4,990 |
| Pretax return on assets | 0.4572% | 5,041 |
| Return on Equity (ROE) | 4.3537% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.3537% | 3,242 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2308% | 595 |
| Assets per employee ($millions) | 3.1155% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 5,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 71.0400% | 2,211 |
| Net loans and leases to deposits | 78.0275% | 2,960 |
| Net loans and leases to core deposits | 78.0275% | 3,468 |
| Total domestic deposits to total assets | 91.0448% | 290 |
| Equity capital to assets | 8.8991% | 4,909 |
| Core capital (leverage) ratio | 9.0872% | 4,634 |
| Tier 1 risk-based capital ratio | 14.0558% | 3,439 |
| Total risk-based capital ratio | 14.8923% | 3,596 |
| Memoranda: | ||
| Average total assets | $12,249,500 | 5,836 |
| Average earning assets | $11,512,000 | 5,824 |
| Average equity | $1,102,500 | 5,843 |
| Average total loans | $9,174,000 | 5,728 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7779% | 924 |
| Cost of funding earning assets | 0.3563% | 3,453 |
| Net interest margin | 4.4216% | 739 |
| Noninterest income to average assets | 0.5912% | 2,706 |
| Noninterest expense to average assets | 4.3644% | 422 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3565% | 5,063 |
| Return on assets (ROA) | 0.3565% | 5,153 |
| Pretax return on assets | 0.4347% | 5,149 |
| Return on Equity (ROE) | 3.7402% | 4,918 |
| Retained earnings to average equity (ytd only) | 3.7402% | 3,256 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9420% | 506 |
| Assets per employee ($millions) | 3.0093% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 5,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 77.7852% | 1,229 |
| Net loans and leases to deposits | 85.7261% | 2,218 |
| Net loans and leases to core deposits | 85.7261% | 2,873 |
| Total domestic deposits to total assets | 90.7369% | 374 |
| Equity capital to assets | 9.1053% | 4,705 |
| Core capital (leverage) ratio | 9.1326% | 4,581 |
| Tier 1 risk-based capital ratio | 13.1163% | 3,988 |
| Total risk-based capital ratio | 13.9062% | 4,179 |
| Memoranda: | ||
| Average total assets | $11,502,200 | 5,898 |
| Average earning assets | $10,946,200 | 5,883 |
| Average equity | $1,096,200 | 5,904 |
| Average total loans | $9,647,000 | 5,773 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8334% | 836 |
| Cost of funding earning assets | 0.3443% | 3,607 |
| Net interest margin | 4.4890% | 648 |
| Noninterest income to average assets | 0.5981% | 2,673 |
| Noninterest expense to average assets | 3.8351% | 728 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9617% | 2,607 |
| Return on assets (ROA) | 0.9617% | 2,749 |
| Pretax return on assets | 1.0438% | 3,457 |
| Return on Equity (ROE) | 9.9731% | 2,063 |
| Retained earnings to average equity (ytd only) | 9.9731% | 581 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6058% | 1,602 |
| Assets per employee ($millions) | 3.8213% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6726% | 5,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 85.0140% | 324 |
| Net loans and leases to deposits | 100.8798% | 646 |
| Net loans and leases to core deposits | 100.8798% | 1,559 |
| Total domestic deposits to total assets | 84.2725% | 3,109 |
| Equity capital to assets | 9.9180% | 4,222 |
| Core capital (leverage) ratio | 10.2046% | 3,329 |
| Tier 1 risk-based capital ratio | 13.2858% | 3,987 |
| Total risk-based capital ratio | 14.0570% | 4,186 |
| Memoranda: | ||
| Average total assets | $11,368,500 | 5,964 |
| Average earning assets | $10,841,000 | 5,949 |
| Average equity | $1,096,250 | 5,970 |
| Average total loans | $9,701,500 | 5,836 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8314% | 827 |
| Cost of funding earning assets | 0.3332% | 3,764 |
| Net interest margin | 4.4982% | 624 |
| Noninterest income to average assets | 0.5998% | 2,620 |
| Noninterest expense to average assets | 3.8106% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9527% | 2,613 |
| Return on assets (ROA) | 0.9527% | 2,758 |
| Pretax return on assets | 1.0762% | 3,298 |
| Return on Equity (ROE) | 9.9753% | 2,065 |
| Retained earnings to average equity (ytd only) | 9.9753% | 605 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9783% | 1,796 |
| Assets per employee ($millions) | 2.7378% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7057% | 5,508 |
| 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 | 84.8050% | 355 |
| Net loans and leases to deposits | 94.4953% | 1,238 |
| Net loans and leases to core deposits | 94.4953% | 2,111 |
| Total domestic deposits to total assets | 89.7452% | 580 |
| Equity capital to assets | 10.1269% | 4,062 |
| Core capital (leverage) ratio | 9.9955% | 3,572 |
| Tier 1 risk-based capital ratio | 13.6627% | 3,795 |
| Total risk-based capital ratio | 14.4758% | 3,977 |
| Memoranda: | ||
| Average total assets | $11,336,670 | 6,041 |
| Average earning assets | $10,804,330 | 6,027 |
| Average equity | $1,082,670 | 6,048 |
| Average total loans | $9,664,670 | 5,911 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8538% | 761 |
| Cost of funding earning assets | 0.3285% | 3,860 |
| Net interest margin | 4.5253% | 579 |
| Noninterest income to average assets | 0.6245% | 2,390 |
| Noninterest expense to average assets | 3.6775% | 922 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0061% | 2,249 |
| Return on assets (ROA) | 1.0061% | 2,363 |
| Pretax return on assets | 1.2490% | 2,510 |
| Return on Equity (ROE) | 10.8462% | 1,658 |
| Retained earnings to average equity (ytd only) | 10.8462% | 682 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6479% | 2,383 |
| Assets per employee ($millions) | 2.8205% | 5,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 5,624 |
| 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 | 85.1356% | 282 |
| Net loans and leases to deposits | 96.2039% | 928 |
| Net loans and leases to core deposits | 96.2039% | 1,773 |
| Total domestic deposits to total assets | 88.4949% | 1,360 |
| Equity capital to assets | 9.6082% | 4,558 |
| Core capital (leverage) ratio | 9.4739% | 4,242 |
| Tier 1 risk-based capital ratio | 13.1426% | 4,164 |
| Total risk-based capital ratio | 13.9428% | 4,372 |
| Memoranda: | ||
| Average total assets | $11,529,500 | 6,103 |
| Average earning assets | $10,960,500 | 6,089 |
| Average equity | $1,069,500 | 6,111 |
| Average total loans | $9,820,500 | 5,966 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7351% | 1,039 |
| Cost of funding earning assets | 0.2631% | 4,666 |
| Net interest margin | 4.4720% | 691 |
| Noninterest income to average assets | 0.5501% | 3,012 |
| Noninterest expense to average assets | 4.3259% | 472 |
| Loan and lease loss provision to assets | 0.0417% | 3,502 |
| Net operating income to assets | 0.3569% | 5,193 |
| Return on assets (ROA) | 0.3501% | 5,308 |
| Pretax return on assets | 0.4251% | 5,274 |
| Return on Equity (ROE) | 3.9548% | 4,965 |
| Retained earnings to average equity (ytd only) | 3.9548% | 3,220 |
| Net charge-offs to loans | -0.0105% | 5,119 |
| Credit loss provision to net charge-offs | -500.0000% | 5,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1042% | 686 |
| Assets per employee ($millions) | 2.9443% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6620% | 5,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 84.0961% | 383 |
| Net loans and leases to deposits | 93.4516% | 1,254 |
| Net loans and leases to core deposits | 93.4516% | 2,093 |
| Total domestic deposits to total assets | 89.9890% | 636 |
| Equity capital to assets | 8.9581% | 5,163 |
| Core capital (leverage) ratio | 8.8218% | 5,087 |
| Tier 1 risk-based capital ratio | 12.0820% | 4,897 |
| Total risk-based capital ratio | 12.8378% | 5,108 |
| Memoranda: | ||
| Average total assets | $11,997,600 | 6,162 |
| Average earning assets | $11,404,200 | 6,148 |
| Average equity | $1,062,000 | 6,172 |
| Average total loans | $9,540,000 | 6,024 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6581% | 1,187 |
| Cost of funding earning assets | 0.2555% | 4,814 |
| Net interest margin | 4.4026% | 791 |
| Noninterest income to average assets | 0.5420% | 3,095 |
| Noninterest expense to average assets | 3.5288% | 1,238 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1946% | 1,670 |
| Return on assets (ROA) | 1.1836% | 1,771 |
| Pretax return on assets | 1.1947% | 2,841 |
| Return on Equity (ROE) | 13.4110% | 1,024 |
| Retained earnings to average equity (ytd only) | 13.4110% | 246 |
| Net charge-offs to loans | -0.0141% | 5,089 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5327% | 2,467 |
| Assets per employee ($millions) | 2.9110% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6077% | 5,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 85.6836% | 249 |
| Net loans and leases to deposits | 94.9106% | 1,101 |
| Net loans and leases to core deposits | 94.9106% | 1,991 |
| Total domestic deposits to total assets | 90.2783% | 475 |
| Equity capital to assets | 9.6187% | 4,615 |
| Core capital (leverage) ratio | 9.4197% | 4,401 |
| Tier 1 risk-based capital ratio | 12.8588% | 4,520 |
| Total risk-based capital ratio | 13.5591% | 4,785 |
| Memoranda: | ||
| Average total assets | $12,052,750 | 6,247 |
| Average earning assets | $11,477,750 | 6,235 |
| Average equity | $1,063,750 | 6,259 |
| Average total loans | $9,432,500 | 6,107 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 1,460 |
| Cost of funding earning assets | 0.2419% | 5,034 |
| Net interest margin | 4.2847% | 946 |
| Noninterest income to average assets | 0.5087% | 3,321 |
| Noninterest expense to average assets | 3.5770% | 1,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9845% | 2,479 |
| Return on assets (ROA) | 0.9845% | 2,586 |
| Pretax return on assets | 1.0009% | 3,588 |
| Return on Equity (ROE) | 11.4833% | 1,526 |
| Retained earnings to average equity (ytd only) | 11.4833% | 443 |
| Net charge-offs to loans | -0.0217% | 5,201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1362% | 2,047 |
| Assets per employee ($millions) | 3.9837% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6120% | 5,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 82.8885% | 486 |
| Net loans and leases to deposits | 94.6222% | 1,089 |
| Net loans and leases to core deposits | 94.6222% | 1,898 |
| Total domestic deposits to total assets | 87.5994% | 1,841 |
| Equity capital to assets | 8.9867% | 5,243 |
| Core capital (leverage) ratio | 8.8541% | 5,155 |
| Tier 1 risk-based capital ratio | 12.5204% | 4,789 |
| Total risk-based capital ratio | 13.2315% | 5,066 |
| Memoranda: | ||
| Average total assets | $12,189,000 | 6,325 |
| Average earning assets | $11,576,000 | 6,309 |
| Average equity | $1,045,000 | 6,336 |
| Average total loans | $9,230,670 | 6,177 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 1,796 |
| Cost of funding earning assets | 0.2402% | 5,127 |
| Net interest margin | 4.1517% | 1,161 |
| Noninterest income to average assets | 0.4875% | 3,370 |
| Noninterest expense to average assets | 3.3149% | 1,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0725% | 1,965 |
| Return on assets (ROA) | 1.0725% | 2,083 |
| Pretax return on assets | 1.1050% | 3,050 |
| Return on Equity (ROE) | 12.8093% | 1,138 |
| Retained earnings to average equity (ytd only) | 12.8093% | 470 |
| Net charge-offs to loans | -0.0451% | 5,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 2,652 |
| Assets per employee ($millions) | 3.0145% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 5,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 74.2246% | 1,464 |
| Net loans and leases to deposits | 81.3267% | 2,404 |
| Net loans and leases to core deposits | 84.7779% | 2,685 |
| Total domestic deposits to total assets | 91.2672% | 282 |
| Equity capital to assets | 8.6830% | 5,588 |
| Core capital (leverage) ratio | 8.6052% | 5,417 |
| Tier 1 risk-based capital ratio | 13.3291% | 4,412 |
| Total risk-based capital ratio | 14.1057% | 4,603 |
| Memoranda: | ||
| Average total assets | $12,308,000 | 6,394 |
| Average earning assets | $11,658,000 | 6,376 |
| Average equity | $1,030,500 | 6,405 |
| Average total loans | $8,862,500 | 6,258 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0862% | 3,382 |
| Cost of funding earning assets | 0.2707% | 5,090 |
| Net interest margin | 3.8155% | 2,568 |
| Noninterest income to average assets | 0.4925% | 3,567 |
| Noninterest expense to average assets | 3.5508% | 1,387 |
| Loan and lease loss provision to assets | 0.2065% | 1,213 |
| Net operating income to assets | 0.2525% | 5,651 |
| Return on assets (ROA) | 0.2463% | 5,722 |
| Pretax return on assets | 0.3098% | 5,685 |
| Return on Equity (ROE) | 3.0827% | 5,447 |
| Retained earnings to average equity (ytd only) | 3.0827% | 4,047 |
| Net charge-offs to loans | 0.7017% | 526 |
| Credit loss provision to net charge-offs | 47.2727% | 3,544 |
| Earnings coverage of net charge-offs (x) | 1.2000% | 4,474 |
| Efficiency ratio | 87.1345% | 1,062 |
| Assets per employee ($millions) | 3.1395% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 5,991 |
| Loan loss allowance to noncurrent loans | 1,525.0000% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 5,918 |
| Noncurrent loans to loans | 0.0459% | 5,694 |
| Net loans and leases to total assets | 68.9043% | 2,411 |
| Net loans and leases to deposits | 75.0933% | 3,299 |
| Net loans and leases to core deposits | 78.1309% | 3,503 |
| Total domestic deposits to total assets | 91.7582% | 184 |
| Equity capital to assets | 8.0745% | 6,030 |
| Core capital (leverage) ratio | 8.1159% | 5,918 |
| Tier 1 risk-based capital ratio | 12.5947% | 4,979 |
| Total risk-based capital ratio | 13.3524% | 5,200 |
| Memoranda: | ||
| Average total assets | $12,588,600 | 6,481 |
| Average earning assets | $11,820,200 | 6,464 |
| Average equity | $1,005,600 | 6,498 |
| Average total loans | $7,837,800 | 6,377 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 3,621 |
| Cost of funding earning assets | 0.2825% | 5,069 |
| Net interest margin | 3.7521% | 2,806 |
| Noninterest income to average assets | 0.4975% | 3,568 |
| Noninterest expense to average assets | 3.0590% | 2,599 |
| Loan and lease loss provision to assets | 0.2223% | 1,027 |
| Net operating income to assets | 0.7197% | 3,839 |
| Return on assets (ROA) | 0.7092% | 4,001 |
| Pretax return on assets | 0.7197% | 4,635 |
| Return on Equity (ROE) | 8.9018% | 2,741 |
| Retained earnings to average equity (ytd only) | 8.9018% | 1,034 |
| Net charge-offs to loans | 0.9274% | 347 |
| Credit loss provision to net charge-offs | 39.6226% | 3,295 |
| Earnings coverage of net charge-offs (x) | 1.6983% | 4,099 |
| Efficiency ratio | 76.2533% | 2,453 |
| Assets per employee ($millions) | 2.9703% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6573% | 6,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 72.5107% | 1,761 |
| Net loans and leases to deposits | 83.4544% | 2,228 |
| Net loans and leases to core deposits | 87.2405% | 2,510 |
| Total domestic deposits to total assets | 86.8866% | 2,379 |
| Equity capital to assets | 8.8376% | 5,517 |
| Core capital (leverage) ratio | 8.5812% | 5,567 |
| Tier 1 risk-based capital ratio | 13.1447% | 4,768 |
| Total risk-based capital ratio | 13.8583% | 5,028 |
| Memoranda: | ||
| Average total assets | $12,596,250 | 6,558 |
| Average earning assets | $11,797,750 | 6,543 |
| Average equity | $1,003,500 | 6,576 |
| Average total loans | $7,618,750 | 6,458 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8386% | 4,381 |
| Cost of funding earning assets | 0.3017% | 4,952 |
| Net interest margin | 3.5369% | 3,620 |
| Noninterest income to average assets | 0.4986% | 3,493 |
| Noninterest expense to average assets | 3.1010% | 2,495 |
| Loan and lease loss provision to assets | 0.3272% | 571 |
| Net operating income to assets | 0.3428% | 5,425 |
| Return on assets (ROA) | 0.3428% | 5,499 |
| Pretax return on assets | 0.3584% | 5,661 |
| Return on Equity (ROE) | 4.4534% | 4,941 |
| Retained earnings to average equity (ytd only) | 4.4534% | 3,338 |
| Net charge-offs to loans | 1.3209% | 225 |
| Credit loss provision to net charge-offs | 43.7500% | 2,879 |
| Earnings coverage of net charge-offs (x) | 0.9167% | 3,939 |
| Efficiency ratio | 81.8930% | 1,757 |
| Assets per employee ($millions) | 3.0090% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7932% | 5,994 |
| Loan loss allowance to noncurrent loans | 310.0000% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 5,650 |
| Noncurrent loans to loans | 0.2559% | 5,246 |
| Net loans and leases to total assets | 64.4234% | 3,010 |
| Net loans and leases to deposits | 72.3051% | 3,536 |
| Net loans and leases to core deposits | 75.4500% | 3,682 |
| Total domestic deposits to total assets | 89.0994% | 1,305 |
| Equity capital to assets | 8.3500% | 5,916 |
| Core capital (leverage) ratio | 7.6947% | 6,251 |
| Tier 1 risk-based capital ratio | 13.0587% | 4,874 |
| Total risk-based capital ratio | 13.8643% | 5,081 |
| Memoranda: | ||
| Average total assets | $12,834,670 | 6,624 |
| Average earning assets | $11,931,330 | 6,608 |
| Average equity | $988,000 | 6,642 |
| Average total loans | $7,267,670 | 6,525 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 5,341 |
| Cost of funding earning assets | 0.2945% | 5,129 |
| Net interest margin | 3.2390% | 4,782 |
| Noninterest income to average assets | 0.4836% | 3,539 |
| Noninterest expense to average assets | 3.0225% | 2,795 |
| Loan and lease loss provision to assets | 0.6347% | 202 |
| Net operating income to assets | -0.2116% | 6,362 |
| Return on assets (ROA) | -0.2116% | 6,366 |
| Pretax return on assets | -0.1814% | 6,336 |
| Return on Equity (ROE) | -2.8586% | 6,401 |
| Retained earnings to average equity (ytd only) | -2.8586% | 5,951 |
| Net charge-offs to loans | 2.7454% | 79 |
| Credit loss provision to net charge-offs | 43.7500% | 2,269 |
| Earnings coverage of net charge-offs (x) | 0.3125% | 3,376 |
| Efficiency ratio | 86.9565% | 1,341 |
| Assets per employee ($millions) | 3.3610% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 5,851 |
| Loan loss allowance to noncurrent loans | 310.0000% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 5,797 |
| Noncurrent loans to loans | 0.2925% | 5,242 |
| Net loans and leases to total assets | 50.4017% | 4,865 |
| Net loans and leases to deposits | 54.3777% | 5,250 |
| Net loans and leases to core deposits | 56.4009% | 5,326 |
| Total domestic deposits to total assets | 92.6882% | 150 |
| Equity capital to assets | 7.2672% | 6,385 |
| Core capital (leverage) ratio | 7.4212% | 6,363 |
| Tier 1 risk-based capital ratio | 13.4296% | 4,744 |
| Total risk-based capital ratio | 14.2818% | 4,918 |
| Memoranda: | ||
| Average total assets | $13,234,000 | 6,694 |
| Average earning assets | $12,226,000 | 6,681 |
| Average equity | $979,500 | 6,709 |
| Average total loans | $6,993,500 | 6,600 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2185% | 3,276 |
| Cost of funding earning assets | 0.3606% | 5,044 |
| Net interest margin | 3.8579% | 2,439 |
| Noninterest income to average assets | 0.5254% | 3,590 |
| Noninterest expense to average assets | 3.8050% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3108% | 5,486 |
| Return on assets (ROA) | 0.2881% | 5,657 |
| Pretax return on assets | 0.3220% | 5,667 |
| Return on Equity (ROE) | 3.4595% | 5,343 |
| Retained earnings to average equity (ytd only) | 3.4595% | 3,772 |
| Net charge-offs to loans | 0.0145% | 5,161 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 927 |
| Efficiency ratio | 91.6327% | 899 |
| Assets per employee ($millions) | 3.2560% | 5,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 4,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 54.2076% | 4,558 |
| Net loans and leases to deposits | 58.7013% | 5,061 |
| Net loans and leases to core deposits | 60.9672% | 5,147 |
| Total domestic deposits to total assets | 92.3449% | 223 |
| Equity capital to assets | 7.5399% | 6,262 |
| Core capital (leverage) ratio | 8.3397% | 5,832 |
| Tier 1 risk-based capital ratio | 13.0204% | 4,955 |
| Total risk-based capital ratio | 14.2005% | 4,969 |
| Memoranda: | ||
| Average total assets | $11,800,400 | 6,786 |
| Average earning assets | $11,094,000 | 6,768 |
| Average equity | $982,800 | 6,798 |
| Average total loans | $6,918,600 | 6,683 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 2,720 |
| Cost of funding earning assets | 0.3740% | 5,054 |
| Net interest margin | 3.9896% | 1,982 |
| Noninterest income to average assets | 0.5336% | 3,566 |
| Noninterest expense to average assets | 3.3754% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8580% | 3,055 |
| Return on assets (ROA) | 0.8235% | 3,350 |
| Pretax return on assets | 0.8351% | 4,164 |
| Return on Equity (ROE) | 9.6297% | 2,340 |
| Retained earnings to average equity (ytd only) | 9.6297% | 875 |
| Net charge-offs to loans | 0.0194% | 4,748 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 75.1880% | 627 |
| Efficiency ratio | 79.5082% | 2,180 |
| Assets per employee ($millions) | 2.9073% | 6,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 4,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 61.2176% | 3,488 |
| Net loans and leases to deposits | 67.1667% | 4,159 |
| Net loans and leases to core deposits | 70.1172% | 4,308 |
| Total domestic deposits to total assets | 91.1428% | 475 |
| Equity capital to assets | 8.7712% | 5,445 |
| Core capital (leverage) ratio | 9.0482% | 5,051 |
| Tier 1 risk-based capital ratio | 13.9401% | 4,474 |
| Total risk-based capital ratio | 15.1565% | 4,448 |
| Memoranda: | ||
| Average total assets | $11,494,500 | 6,866 |
| Average earning assets | $10,694,250 | 6,851 |
| Average equity | $983,000 | 6,876 |
| Average total loans | $6,861,000 | 6,766 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 2,881 |
| Cost of funding earning assets | 0.3907% | 5,029 |
| Net interest margin | 3.9257% | 2,130 |
| Noninterest income to average assets | 0.5415% | 3,555 |
| Noninterest expense to average assets | 3.4761% | 1,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7321% | 3,661 |
| Return on assets (ROA) | 0.6812% | 4,067 |
| Pretax return on assets | 0.6987% | 4,682 |
| Return on Equity (ROE) | 8.0357% | 3,076 |
| Retained earnings to average equity (ytd only) | 8.0357% | 1,472 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2314% | 1,852 |
| Assets per employee ($millions) | 2.8250% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 4,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 60.2124% | 3,618 |
| Net loans and leases to deposits | 66.0454% | 4,262 |
| Net loans and leases to core deposits | 69.0341% | 4,388 |
| Total domestic deposits to total assets | 91.1681% | 486 |
| Equity capital to assets | 8.7434% | 5,495 |
| Core capital (leverage) ratio | 8.7565% | 5,348 |
| Tier 1 risk-based capital ratio | 14.2077% | 4,284 |
| Total risk-based capital ratio | 15.4587% | 4,245 |
| Memoranda: | ||
| Average total assets | $11,449,670 | 6,916 |
| Average earning assets | $10,749,670 | 6,899 |
| Average equity | $970,670 | 6,927 |
| Average total loans | $6,745,330 | 6,816 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2991% | 2,893 |
| Cost of funding earning assets | 0.4077% | 5,033 |
| Net interest margin | 3.8914% | 2,149 |
| Noninterest income to average assets | 0.5553% | 3,399 |
| Noninterest expense to average assets | 3.1585% | 2,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0038% | 2,207 |
| Return on assets (ROA) | 0.9371% | 2,628 |
| Pretax return on assets | 0.9718% | 3,477 |
| Return on Equity (ROE) | 11.2266% | 1,635 |
| Retained earnings to average equity (ytd only) | 11.2266% | 826 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2066% | 3,058 |
| Assets per employee ($millions) | 2.8880% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 4,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 56.1807% | 4,055 |
| Net loans and leases to deposits | 61.4002% | 4,634 |
| Net loans and leases to core deposits | 64.0988% | 4,733 |
| Total domestic deposits to total assets | 91.4993% | 355 |
| Equity capital to assets | 8.4401% | 6,067 |
| Core capital (leverage) ratio | 8.6237% | 5,426 |
| Tier 1 risk-based capital ratio | 13.9665% | 4,530 |
| Total risk-based capital ratio | 15.2127% | 4,497 |
| Memoranda: | ||
| Average total assets | $11,524,500 | 6,993 |
| Average earning assets | $10,793,000 | 6,975 |
| Average equity | $962,000 | 6,999 |
| Average total loans | $6,671,000 | 6,890 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0860% | 1,340 |
| Cost of funding earning assets | 0.5155% | 5,108 |
| Net interest margin | 4.5704% | 824 |
| Noninterest income to average assets | 0.6937% | 2,754 |
| Noninterest expense to average assets | 4.4997% | 581 |
| Loan and lease loss provision to assets | 0.0456% | 5,272 |
| Net operating income to assets | 0.2948% | 5,489 |
| Return on assets (ROA) | 0.2191% | 5,924 |
| Pretax return on assets | 0.2647% | 5,893 |
| Return on Equity (ROE) | 2.4793% | 5,753 |
| Retained earnings to average equity (ytd only) | 2.4793% | 4,484 |
| Net charge-offs to loans | 0.3303% | 2,990 |
| Credit loss provision to net charge-offs | 21.7391% | 5,264 |
| Earnings coverage of net charge-offs (x) | 1.9130% | 4,463 |
| Efficiency ratio | 91.8063% | 933 |
| Assets per employee ($millions) | 2.8743% | 6,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 4,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 58.0325% | 3,975 |
| Net loans and leases to deposits | 63.3378% | 4,625 |
| Net loans and leases to core deposits | 66.1314% | 4,726 |
| Total domestic deposits to total assets | 91.6239% | 315 |
| Equity capital to assets | 8.2543% | 6,235 |
| Core capital (leverage) ratio | 8.6873% | 5,346 |
| Tier 1 risk-based capital ratio | 13.1696% | 4,983 |
| Total risk-based capital ratio | 14.4185% | 4,926 |
| Memoranda: | ||
| Average total assets | $10,956,400 | 7,062 |
| Average earning assets | $10,086,600 | 7,043 |
| Average equity | $968,000 | 7,066 |
| Average total loans | $6,963,200 | 6,950 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2724% | 1,059 |
| Cost of funding earning assets | 0.5421% | 5,149 |
| Net interest margin | 4.7303% | 629 |
| Noninterest income to average assets | 0.7023% | 2,707 |
| Noninterest expense to average assets | 3.5362% | 1,682 |
| Loan and lease loss provision to assets | 0.0616% | 4,944 |
| Net operating income to assets | 1.3913% | 1,245 |
| Return on assets (ROA) | 1.2938% | 1,604 |
| Pretax return on assets | 1.3060% | 2,589 |
| Return on Equity (ROE) | 14.3922% | 1,027 |
| Retained earnings to average equity (ytd only) | 14.3922% | 274 |
| Net charge-offs to loans | 0.4373% | 2,350 |
| Credit loss provision to net charge-offs | 21.7391% | 4,929 |
| Earnings coverage of net charge-offs (x) | 5.1731% | 3,090 |
| Efficiency ratio | 70.6897% | 3,555 |
| Assets per employee ($millions) | 2.7290% | 6,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 4,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 63.5489% | 3,105 |
| Net loans and leases to deposits | 70.2268% | 3,865 |
| Net loans and leases to core deposits | 73.5319% | 4,045 |
| Total domestic deposits to total assets | 90.4910% | 602 |
| Equity capital to assets | 9.4265% | 5,296 |
| Core capital (leverage) ratio | 9.5792% | 4,150 |
| Tier 1 risk-based capital ratio | 14.2304% | 4,361 |
| Total risk-based capital ratio | 15.4750% | 4,337 |
| Memoranda: | ||
| Average total assets | $10,821,250 | 7,159 |
| Average earning assets | $9,837,000 | 7,144 |
| Average equity | $972,750 | 7,163 |
| Average total loans | $7,013,500 | 7,041 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1589% | 1,354 |
| Cost of funding earning assets | 0.5484% | 5,317 |
| Net interest margin | 4.6105% | 807 |
| Noninterest income to average assets | 0.6673% | 2,846 |
| Noninterest expense to average assets | 3.6887% | 1,393 |
| Loan and lease loss provision to assets | 0.0927% | 4,403 |
| Net operating income to assets | 1.0744% | 2,148 |
| Return on assets (ROA) | 1.0380% | 2,532 |
| Pretax return on assets | 1.0566% | 3,482 |
| Return on Equity (ROE) | 11.7400% | 1,759 |
| Retained earnings to average equity (ytd only) | 11.7400% | 627 |
| Net charge-offs to loans | 0.6278% | 1,751 |
| Credit loss provision to net charge-offs | 22.7273% | 4,562 |
| Earnings coverage of net charge-offs (x) | 2.9091% | 3,578 |
| Efficiency ratio | 75.6654% | 2,797 |
| Assets per employee ($millions) | 2.7005% | 6,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 5,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 66.0433% | 2,660 |
| Net loans and leases to deposits | 74.2120% | 3,256 |
| Net loans and leases to core deposits | 77.7972% | 3,550 |
| Total domestic deposits to total assets | 88.9928% | 1,509 |
| Equity capital to assets | 9.0724% | 5,615 |
| Core capital (leverage) ratio | 9.7961% | 3,723 |
| Tier 1 risk-based capital ratio | 13.2755% | 4,979 |
| Total risk-based capital ratio | 14.5083% | 4,967 |
| Memoranda: | ||
| Average total assets | $10,789,670 | 7,221 |
| Average earning assets | $9,847,000 | 7,205 |
| Average equity | $954,000 | 7,219 |
| Average total loans | $7,009,000 | 7,099 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1600% | 1,403 |
| Cost of funding earning assets | 0.5733% | 5,332 |
| Net interest margin | 4.5866% | 845 |
| Noninterest income to average assets | 0.6677% | 2,822 |
| Noninterest expense to average assets | 3.5981% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1870% | 1,780 |
| Return on assets (ROA) | 1.1870% | 1,957 |
| Pretax return on assets | 1.2241% | 2,821 |
| Return on Equity (ROE) | 13.6026% | 1,280 |
| Retained earnings to average equity (ytd only) | 13.6026% | 610 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6154% | 3,001 |
| Assets per employee ($millions) | 2.7555% | 6,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 3,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 6,121 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 60.0617% | 3,656 |
| Net loans and leases to deposits | 65.8248% | 4,405 |
| Net loans and leases to core deposits | 68.8579% | 4,582 |
| Total domestic deposits to total assets | 91.2448% | 459 |
| Equity capital to assets | 8.6826% | 5,896 |
| Core capital (leverage) ratio | 9.5281% | 4,013 |
| Tier 1 risk-based capital ratio | 13.4637% | 4,851 |
| Total risk-based capital ratio | 14.7158% | 4,840 |
| Memoranda: | ||
| Average total assets | $10,783,500 | 7,283 |
| Average earning assets | $9,767,500 | 7,267 |
| Average equity | $941,000 | 7,281 |
| Average total loans | $6,901,000 | 7,166 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4278% | 1,344 |
| Cost of funding earning assets | 0.7175% | 5,417 |
| Net interest margin | 4.7103% | 735 |
| Noninterest income to average assets | 0.6737% | 2,764 |
| Noninterest expense to average assets | 4.5381% | 569 |
| Loan and lease loss provision to assets | 0.0281% | 6,224 |
| Net operating income to assets | 0.3088% | 5,222 |
| Return on assets (ROA) | 0.3088% | 5,378 |
| Pretax return on assets | 0.3462% | 5,436 |
| Return on Equity (ROE) | 3.4606% | 5,089 |
| Retained earnings to average equity (ytd only) | 3.4606% | 3,757 |
| Net charge-offs to loans | 0.0146% | 6,236 |
| Credit loss provision to net charge-offs | 300.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 679 |
| Efficiency ratio | 92.3810% | 1,023 |
| Assets per employee ($millions) | 2.1090% | 7,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 3,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 6,170 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 66.0597% | 2,772 |
| Net loans and leases to deposits | 72.5021% | 3,732 |
| Net loans and leases to core deposits | 75.9983% | 3,982 |
| Total domestic deposits to total assets | 91.1143% | 463 |
| Equity capital to assets | 8.7719% | 5,828 |
| Core capital (leverage) ratio | 8.6871% | 5,272 |
| Tier 1 risk-based capital ratio | 12.6869% | 5,316 |
| Total risk-based capital ratio | 13.9350% | 5,297 |
| Memoranda: | ||
| Average total assets | $10,687,200 | 7,329 |
| Average earning assets | $9,617,200 | 7,317 |
| Average equity | $953,600 | 7,333 |
| Average total loans | $6,870,800 | 7,215 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3476% | 1,680 |
| Cost of funding earning assets | 0.7501% | 5,468 |
| Net interest margin | 4.5976% | 952 |
| Noninterest income to average assets | 0.6839% | 2,702 |
| Noninterest expense to average assets | 2.9718% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7906% | 530 |
| Return on assets (ROA) | 1.7906% | 576 |
| Pretax return on assets | 1.8279% | 906 |
| Return on Equity (ROE) | 19.9844% | 319 |
| Retained earnings to average equity (ytd only) | 19.9844% | 76 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9171% | 5,420 |
| Assets per employee ($millions) | 2.6325% | 6,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 4,211 |
| Loan loss allowance to noncurrent loans | 86.1789% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.1681% | 4,454 |
| Noncurrent loans to loans | 1.7164% | 3,738 |
| Net loans and leases to total assets | 67.0465% | 2,668 |
| Net loans and leases to deposits | 74.4255% | 3,596 |
| Net loans and leases to core deposits | 78.0542% | 3,906 |
| Total domestic deposits to total assets | 90.0855% | 821 |
| Equity capital to assets | 9.8386% | 4,567 |
| Core capital (leverage) ratio | 9.9329% | 3,525 |
| Tier 1 risk-based capital ratio | 14.2327% | 4,175 |
| Total risk-based capital ratio | 15.4829% | 4,138 |
| Memoranda: | ||
| Average total assets | $10,722,750 | 7,406 |
| Average earning assets | $9,599,000 | 7,395 |
| Average equity | $960,750 | 7,409 |
| Average total loans | $6,820,000 | 7,291 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1875% | 2,310 |
| Cost of funding earning assets | 0.7617% | 5,615 |
| Net interest margin | 4.4258% | 1,301 |
| Noninterest income to average assets | 0.6489% | 2,850 |
| Noninterest expense to average assets | 2.9480% | 3,837 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6872% | 618 |
| Return on assets (ROA) | 1.6872% | 665 |
| Pretax return on assets | 1.6872% | 1,081 |
| Return on Equity (ROE) | 19.4513% | 347 |
| Retained earnings to average equity (ytd only) | 19.4513% | 105 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6000% | 5,320 |
| Assets per employee ($millions) | 2.7668% | 6,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 4,211 |
| Loan loss allowance to noncurrent loans | 86.1789% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.1114% | 4,670 |
| Noncurrent loans to loans | 1.7205% | 3,856 |
| Net loans and leases to total assets | 63.6396% | 3,544 |
| Net loans and leases to deposits | 69.9335% | 4,448 |
| Net loans and leases to core deposits | 73.1284% | 4,693 |
| Total domestic deposits to total assets | 91.0003% | 498 |
| Equity capital to assets | 8.8823% | 5,732 |
| Core capital (leverage) ratio | 9.0399% | 4,659 |
| Tier 1 risk-based capital ratio | 13.8412% | 4,280 |
| Total risk-based capital ratio | 15.0943% | 4,247 |
| Memoranda: | ||
| Average total assets | $10,787,000 | 7,481 |
| Average earning assets | $9,715,670 | 7,468 |
| Average equity | $935,670 | 7,485 |
| Average total loans | $6,704,670 | 7,366 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9127% | 3,531 |
| Cost of funding earning assets | 0.7714% | 5,743 |
| Net interest margin | 4.1413% | 2,114 |
| Noninterest income to average assets | 0.6387% | 2,908 |
| Noninterest expense to average assets | 3.0055% | 3,628 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4652% | 947 |
| Return on assets (ROA) | 1.4652% | 987 |
| Pretax return on assets | 1.4652% | 1,554 |
| Return on Equity (ROE) | 17.1053% | 554 |
| Retained earnings to average equity (ytd only) | 17.1053% | 272 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2269% | 4,807 |
| Assets per employee ($millions) | 2.6970% | 6,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 3,551 |
| Loan loss allowance to noncurrent loans | 86.1789% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.1402% | 4,657 |
| Noncurrent loans to loans | 1.9085% | 3,692 |
| Net loans and leases to total assets | 58.7597% | 4,506 |
| Net loans and leases to deposits | 64.3815% | 5,205 |
| Net loans and leases to core deposits | 67.3860% | 5,373 |
| Total domestic deposits to total assets | 91.2681% | 503 |
| Equity capital to assets | 8.6392% | 5,728 |
| Core capital (leverage) ratio | 8.5907% | 5,279 |
| Tier 1 risk-based capital ratio | 14.4339% | 3,783 |
| Total risk-based capital ratio | 15.6884% | 3,738 |
| Memoranda: | ||
| Average total assets | $10,647,000 | 7,542 |
| Average earning assets | $9,852,000 | 7,524 |
| Average equity | $912,000 | 7,543 |
| Average total loans | $6,482,500 | 7,431 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9070% | 1,028 |
| Cost of funding earning assets | 0.9498% | 5,941 |
| Net interest margin | 4.9573% | 477 |
| Noninterest income to average assets | 0.6315% | 3,273 |
| Noninterest expense to average assets | 4.4102% | 711 |
| Loan and lease loss provision to assets | 0.0509% | 6,648 |
| Net operating income to assets | 0.4074% | 4,512 |
| Return on assets (ROA) | 0.4074% | 4,641 |
| Pretax return on assets | 0.5296% | 4,530 |
| Return on Equity (ROE) | 4.4944% | 4,303 |
| Retained earnings to average equity (ytd only) | 4.4944% | 2,729 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3673% | 1,446 |
| Assets per employee ($millions) | 2.6265% | 6,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 3,483 |
| Loan loss allowance to noncurrent loans | 271.7949% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 6,341 |
| Noncurrent loans to loans | 0.5982% | 5,846 |
| Net loans and leases to total assets | 61.0508% | 4,478 |
| Net loans and leases to deposits | 66.7916% | 5,295 |
| Net loans and leases to core deposits | 69.9760% | 5,444 |
| Total domestic deposits to total assets | 91.4049% | 426 |
| Equity capital to assets | 8.4904% | 5,866 |
| Core capital (leverage) ratio | 8.4863% | 5,389 |
| Tier 1 risk-based capital ratio | 13.7442% | 4,022 |
| Total risk-based capital ratio | 14.9923% | 4,007 |
| Memoranda: | ||
| Average total assets | $9,818,200 | 7,627 |
| Average earning assets | $8,633,800 | 7,615 |
| Average equity | $890,000 | 7,641 |
| Average total loans | $6,454,000 | 7,514 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0966% | 767 |
| Cost of funding earning assets | 0.9710% | 6,076 |
| Net interest margin | 5.1256% | 338 |
| Noninterest income to average assets | 0.6497% | 3,125 |
| Noninterest expense to average assets | 3.5108% | 2,015 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1749% | 1,661 |
| Return on assets (ROA) | 1.1749% | 1,757 |
| Pretax return on assets | 1.5895% | 1,369 |
| Return on Equity (ROE) | 12.7409% | 1,332 |
| Retained earnings to average equity (ytd only) | 12.7409% | 373 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8347% | 4,302 |
| Assets per employee ($millions) | 2.5345% | 7,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 3,972 |
| Loan loss allowance to noncurrent loans | 71.1268% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.4007% | 4,354 |
| Noncurrent loans to loans | 2.1068% | 3,563 |
| Net loans and leases to total assets | 65.4863% | 3,802 |
| Net loans and leases to deposits | 72.3676% | 4,782 |
| Net loans and leases to core deposits | 75.9785% | 5,060 |
| Total domestic deposits to total assets | 90.4912% | 643 |
| Equity capital to assets | 9.2425% | 5,238 |
| Core capital (leverage) ratio | 9.3243% | 4,174 |
| Tier 1 risk-based capital ratio | 13.9767% | 3,859 |
| Total risk-based capital ratio | 15.2297% | 3,821 |
| Memoranda: | ||
| Average total assets | $9,646,250 | 7,727 |
| Average earning assets | $8,376,000 | 7,719 |
| Average equity | $889,500 | 7,745 |
| Average total loans | $6,437,500 | 7,612 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0287% | 877 |
| Cost of funding earning assets | 0.9969% | 6,158 |
| Net interest margin | 5.0318% | 396 |
| Noninterest income to average assets | 0.6328% | 3,110 |
| Noninterest expense to average assets | 3.6489% | 1,669 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0335% | 2,068 |
| Return on assets (ROA) | 1.0335% | 2,149 |
| Pretax return on assets | 1.4553% | 1,682 |
| Return on Equity (ROE) | 11.2170% | 1,682 |
| Retained earnings to average equity (ytd only) | 11.2170% | 612 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4876% | 3,909 |
| Assets per employee ($millions) | 2.3828% | 7,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 3,591 |
| Loan loss allowance to noncurrent loans | 272.9730% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 6,468 |
| Noncurrent loans to loans | 0.5744% | 6,103 |
| Net loans and leases to total assets | 66.5198% | 3,732 |
| Net loans and leases to deposits | 73.6781% | 4,726 |
| Net loans and leases to core deposits | 73.6781% | 5,478 |
| Total domestic deposits to total assets | 90.2843% | 778 |
| Equity capital to assets | 9.4534% | 4,776 |
| Core capital (leverage) ratio | 9.1222% | 4,427 |
| Tier 1 risk-based capital ratio | 14.1845% | 3,612 |
| Total risk-based capital ratio | 15.4440% | 3,567 |
| Memoranda: | ||
| Average total assets | $9,482,330 | 7,796 |
| Average earning assets | $8,426,330 | 7,786 |
| Average equity | $873,670 | 7,813 |
| Average total loans | $6,336,670 | 7,682 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0744% | 828 |
| Cost of funding earning assets | 1.0523% | 6,130 |
| Net interest margin | 5.0221% | 403 |
| Noninterest income to average assets | 0.6767% | 2,766 |
| Noninterest expense to average assets | 3.9755% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7190% | 3,351 |
| Return on assets (ROA) | 0.7190% | 3,464 |
| Pretax return on assets | 1.1419% | 2,579 |
| Return on Equity (ROE) | 7.9070% | 2,934 |
| Retained earnings to average equity (ytd only) | 7.9070% | 1,747 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6860% | 2,947 |
| Assets per employee ($millions) | 2.4488% | 7,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6396% | 3,292 |
| Loan loss allowance to noncurrent loans | 272.9730% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 6,530 |
| Noncurrent loans to loans | 0.6006% | 6,103 |
| Net loans and leases to total assets | 61.8581% | 4,788 |
| Net loans and leases to deposits | 68.0175% | 5,586 |
| Net loans and leases to core deposits | 68.0175% | 6,099 |
| Total domestic deposits to total assets | 90.9444% | 572 |
| Equity capital to assets | 8.8617% | 5,458 |
| Core capital (leverage) ratio | 9.3233% | 4,009 |
| Tier 1 risk-based capital ratio | 13.9192% | 3,710 |
| Total risk-based capital ratio | 15.1700% | 3,669 |
| Memoranda: | ||
| Average total assets | $9,458,000 | 7,899 |
| Average earning assets | $8,363,000 | 7,889 |
| Average equity | $860,000 | 7,906 |
| Average total loans | $6,284,500 | 7,782 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2664% | 1,086 |
| Cost of funding earning assets | 1.3401% | 6,173 |
| Net interest margin | 4.9263% | 526 |
| Noninterest income to average assets | 0.6022% | 3,618 |
| Noninterest expense to average assets | 3.4796% | 2,424 |
| Loan and lease loss provision to assets | 0.5576% | 3,585 |
| Net operating income to assets | 0.7896% | 2,570 |
| Return on assets (ROA) | 0.7361% | 2,871 |
| Pretax return on assets | 0.9257% | 2,844 |
| Return on Equity (ROE) | 7.8872% | 2,416 |
| Retained earnings to average equity (ytd only) | 1.1950% | 4,210 |
| Net charge-offs to loans | 0.6223% | 3,344 |
| Credit loss provision to net charge-offs | 135.1351% | 3,672 |
| Earnings coverage of net charge-offs (x) | 3.7568% | 3,214 |
| Efficiency ratio | 69.1796% | 4,790 |
| Assets per employee ($millions) | 2.2803% | 7,492 |
| Cash dividends to net income (ytd only)* | 84.8485% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 3,371 |
| Loan loss allowance to noncurrent loans | 71.1268% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.5568% | 4,041 |
| Noncurrent loans to loans | 2.2156% | 3,380 |
| Net loans and leases to total assets | 69.1591% | 3,446 |
| Net loans and leases to deposits | 76.4884% | 4,656 |
| Net loans and leases to core deposits | 80.7062% | 6,021 |
| Total domestic deposits to total assets | 90.4177% | 772 |
| Equity capital to assets | 9.3411% | 4,648 |
| Core capital (leverage) ratio | 8.9722% | 4,472 |
| Tier 1 risk-based capital ratio | 13.5067% | 3,816 |
| Total risk-based capital ratio | 14.7590% | 3,762 |
| Memoranda: | ||
| Average total assets | $8,966,600 | 7,980 |
| Average earning assets | $8,058,800 | 7,967 |
| Average equity | $836,800 | 7,993 |
| Average total loans | $5,945,400 | 7,861 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4821% | 781 |
| Cost of funding earning assets | 1.3938% | 6,253 |
| Net interest margin | 5.0884% | 375 |
| Noninterest income to average assets | 0.6123% | 3,601 |
| Noninterest expense to average assets | 3.5991% | 2,026 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2063% | 1,454 |
| Return on assets (ROA) | 1.1947% | 1,537 |
| Pretax return on assets | 1.5232% | 1,348 |
| Return on Equity (ROE) | 12.8043% | 1,146 |
| Retained earnings to average equity (ytd only) | 3.8415% | 3,146 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0581% | 4,576 |
| Assets per employee ($millions) | 2.2855% | 7,518 |
| Cash dividends to net income (ytd only)* | 69.9981% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 3,973 |
| Loan loss allowance to noncurrent loans | 118.9189% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.8095% | 5,478 |
| Noncurrent loans to loans | 1.1735% | 4,982 |
| Net loans and leases to total assets | 68.0158% | 3,955 |
| Net loans and leases to deposits | 75.3058% | 5,158 |
| Net loans and leases to core deposits | 79.4328% | 6,395 |
| Total domestic deposits to total assets | 90.3194% | 655 |
| Equity capital to assets | 9.4728% | 4,778 |
| Core capital (leverage) ratio | 9.5934% | 3,794 |
| Tier 1 risk-based capital ratio | 13.8361% | 3,641 |
| Total risk-based capital ratio | 15.0823% | 3,604 |
| Memoranda: | ||
| Average total assets | $8,928,000 | 8,067 |
| Average earning assets | $7,939,500 | 8,055 |
| Average equity | $833,000 | 8,077 |
| Average total loans | $5,829,500 | 7,944 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5414% | 750 |
| Cost of funding earning assets | 1.5255% | 6,039 |
| Net interest margin | 5.0159% | 413 |
| Noninterest income to average assets | 0.6097% | 3,608 |
| Noninterest expense to average assets | 3.6808% | 1,875 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0110% | 2,068 |
| Return on assets (ROA) | 0.9936% | 2,229 |
| Pretax return on assets | 1.2872% | 2,060 |
| Return on Equity (ROE) | 10.7056% | 1,791 |
| Retained earnings to average equity (ytd only) | -2.9197% | 5,958 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7557% | 4,069 |
| Assets per employee ($millions) | 2.2065% | 7,662 |
| Cash dividends to net income (ytd only)* | 127.2727% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4339% | 3,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 68.5361% | 4,065 |
| Net loans and leases to deposits | 75.8115% | 5,200 |
| Net loans and leases to core deposits | 80.1086% | 6,400 |
| Total domestic deposits to total assets | 90.4034% | 669 |
| Equity capital to assets | 9.3927% | 4,759 |
| Core capital (leverage) ratio | 9.1189% | 4,431 |
| Tier 1 risk-based capital ratio | 13.5192% | 3,807 |
| Total risk-based capital ratio | 14.7750% | 3,736 |
| Memoranda: | ||
| Average total assets | $8,856,670 | 8,163 |
| Average earning assets | $7,735,330 | 8,151 |
| Average equity | $822,000 | 8,170 |
| Average total loans | $5,670,670 | 8,040 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4089% | 1,047 |
| Cost of funding earning assets | 1.6419% | 5,850 |
| Net interest margin | 4.7669% | 656 |
| Noninterest income to average assets | 0.5861% | 3,651 |
| Noninterest expense to average assets | 3.9225% | 1,280 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3769% | 4,960 |
| Return on assets (ROA) | 0.4058% | 5,014 |
| Pretax return on assets | 0.7665% | 4,202 |
| Return on Equity (ROE) | 4.3983% | 4,747 |
| Retained earnings to average equity (ytd only) | -22.9688% | 7,721 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4660% | 2,250 |
| Assets per employee ($millions) | 2.2303% | 7,672 |
| Cash dividends to net income (ytd only)* | 622.2222% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 2,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 60.1950% | 5,625 |
| Net loans and leases to deposits | 66.2309% | 6,357 |
| Net loans and leases to core deposits | 69.8946% | 7,025 |
| Total domestic deposits to total assets | 90.8867% | 451 |
| Equity capital to assets | 8.9228% | 5,445 |
| Core capital (leverage) ratio | 8.9218% | 4,836 |
| Tier 1 risk-based capital ratio | 14.5574% | 3,280 |
| Total risk-based capital ratio | 15.8193% | 3,203 |
| Memoranda: | ||
| Average total assets | $8,872,000 | 8,211 |
| Average earning assets | $7,552,000 | 8,202 |
| Average equity | $818,500 | 8,224 |
| Average total loans | $5,437,500 | 8,099 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6934% | 2,047 |
| Cost of funding earning assets | 1.9337% | 6,630 |
| Net interest margin | 4.7598% | 850 |
| Noninterest income to average assets | 0.6388% | 3,563 |
| Noninterest expense to average assets | 3.5300% | 2,317 |
| Loan and lease loss provision to assets | 0.0784% | 6,415 |
| Net operating income to assets | 0.9557% | 2,764 |
| Return on assets (ROA) | 0.9637% | 2,602 |
| Pretax return on assets | 1.3447% | 2,154 |
| Return on Equity (ROE) | 10.3714% | 2,133 |
| Retained earnings to average equity (ytd only) | 2.8944% | 3,378 |
| Net charge-offs to loans | -0.0595% | 8,045 |
| Credit loss provision to net charge-offs | -233.3333% | 7,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 4,049 |
| Assets per employee ($millions) | 2.2058% | 7,696 |
| Cash dividends to net income (ytd only)* | 72.0930% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 2,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 60.3990% | 5,851 |
| Net loans and leases to deposits | 66.9893% | 6,564 |
| Net loans and leases to core deposits | 70.7421% | 7,149 |
| Total domestic deposits to total assets | 90.1621% | 587 |
| Equity capital to assets | 9.5319% | 4,636 |
| Core capital (leverage) ratio | 9.5557% | 3,934 |
| Tier 1 risk-based capital ratio | 15.7373% | 2,765 |
| Total risk-based capital ratio | 16.9910% | 2,699 |
| Memoranda: | ||
| Average total assets | $8,923,600 | 8,264 |
| Average earning assets | $8,067,600 | 8,249 |
| Average equity | $829,200 | 8,286 |
| Average total loans | $5,038,600 | 8,158 |