Home > The Culbertson Bank > Performance and Condition Ratios
The Culbertson Bank, 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 | 6.1688% | 975 |
| Cost of funding earning assets | 1.1905% | 3,753 |
| Net interest margin | 4.9784% | 307 |
| Noninterest income to average assets | 0.0000% | 4,395 |
| Noninterest expense to average assets | 3.5630% | 559 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.0666% | 4,102 |
| Return on assets (ROA) | 0.0666% | 4,128 |
| Pretax return on assets | 1.0323% | 2,663 |
| Return on Equity (ROE) | 0.3700% | 4,151 |
| Retained earnings to average equity (ytd only) | 0.3673% | 3,608 |
| 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 | 77.5362% | 1,132 |
| Assets per employee ($millions) | 2.9430% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9901% | 396 |
| 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 | 47.2700% | 3,715 |
| Net loans and leases to deposits | 58.2601% | 3,558 |
| Net loans and leases to core deposits | 58.2601% | 3,752 |
| Total domestic deposits to total assets | 81.1400% | 3,457 |
| Equity capital to assets | 18.5100% | 329 |
| Core capital (leverage) ratio | 18.1879% | 322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $12,012,500 | 4,425 |
| Average earning assets | $11,088,000 | 4,401 |
| Average equity | $2,178,000 | 4,389 |
| Average total loans | $5,773,000 | 4,336 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3557% | 852 |
| Cost of funding earning assets | 1.3078% | 3,658 |
| Net interest margin | 5.0480% | 310 |
| Noninterest income to average assets | 0.0100% | 4,429 |
| Noninterest expense to average assets | 3.8670% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.8154% | 2,652 |
| Return on assets (ROA) | 0.8154% | 2,661 |
| Pretax return on assets | 0.8154% | 3,019 |
| Return on Equity (ROE) | 4.7100% | 3,567 |
| Retained earnings to average equity (ytd only) | 4.7104% | 2,352 |
| Net charge-offs to loans | 0.0829% | 1,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 20.2000% | 1,827 |
| Efficiency ratio | 82.5862% | 875 |
| Assets per employee ($millions) | 3.0633% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9257% | 428 |
| 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 | 46.9700% | 3,778 |
| Net loans and leases to deposits | 57.2466% | 3,650 |
| Net loans and leases to core deposits | 60.3376% | 3,739 |
| Total domestic deposits to total assets | 82.0500% | 3,235 |
| Equity capital to assets | 17.7671% | 347 |
| Core capital (leverage) ratio | 17.4495% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $12,386,800 | 4,451 |
| Average earning assets | $11,470,000 | 4,419 |
| Average equity | $2,144,200 | 4,410 |
| Average total loans | $6,029,400 | 4,357 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3525% | 833 |
| Cost of funding earning assets | 1.2960% | 3,671 |
| Net interest margin | 5.0565% | 317 |
| Noninterest income to average assets | 0.0100% | 4,454 |
| Noninterest expense to average assets | 3.5425% | 547 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.1594% | 1,603 |
| Return on assets (ROA) | 1.1594% | 1,607 |
| Pretax return on assets | 1.1594% | 2,092 |
| Return on Equity (ROE) | 6.7400% | 3,103 |
| Retained earnings to average equity (ytd only) | 6.7414% | 1,826 |
| Net charge-offs to loans | 0.1098% | 924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 21.6000% | 1,697 |
| Efficiency ratio | 75.3425% | 1,454 |
| Assets per employee ($millions) | 3.0893% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8534% | 501 |
| 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 | 48.4300% | 3,707 |
| Net loans and leases to deposits | 58.9324% | 3,639 |
| Net loans and leases to core deposits | 62.0489% | 3,715 |
| Total domestic deposits to total assets | 82.1700% | 3,064 |
| Equity capital to assets | 17.6742% | 359 |
| Core capital (leverage) ratio | 17.2403% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $12,420,250 | 4,478 |
| Average earning assets | $11,522,750 | 4,451 |
| Average equity | $2,136,000 | 4,441 |
| Average total loans | $6,069,750 | 4,387 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3894% | 720 |
| Cost of funding earning assets | 1.2952% | 3,632 |
| Net interest margin | 5.0943% | 299 |
| Noninterest income to average assets | 0.0200% | 4,460 |
| Noninterest expense to average assets | 3.2312% | 786 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.5272% | 877 |
| Return on assets (ROA) | 1.5272% | 882 |
| Pretax return on assets | 1.5272% | 1,233 |
| Return on Equity (ROE) | 8.9600% | 2,463 |
| Retained earnings to average equity (ytd only) | 8.9623% | 1,107 |
| Net charge-offs to loans | 0.1650% | 632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,658 |
| Efficiency ratio | 67.9054% | 2,340 |
| Assets per employee ($millions) | 3.1325% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8988% | 474 |
| 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 | 46.5900% | 3,804 |
| Net loans and leases to deposits | 56.4713% | 3,736 |
| Net loans and leases to core deposits | 59.3715% | 3,784 |
| Total domestic deposits to total assets | 82.5100% | 2,972 |
| Equity capital to assets | 17.3184% | 371 |
| Core capital (leverage) ratio | 16.9043% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $12,441,333 | 4,501 |
| Average earning assets | $11,581,667 | 4,470 |
| Average equity | $2,120,000 | 4,455 |
| Average total loans | $6,060,667 | 4,408 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2161% | 832 |
| Cost of funding earning assets | 1.2849% | 3,584 |
| Net interest margin | 4.9312% | 366 |
| Noninterest income to average assets | 0.0000% | 4,505 |
| Noninterest expense to average assets | 3.3557% | 673 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2261% | 1,377 |
| Return on assets (ROA) | 1.2261% | 1,384 |
| Pretax return on assets | 1.2261% | 1,828 |
| Return on Equity (ROE) | 7.2600% | 2,886 |
| Retained earnings to average equity (ytd only) | 7.2554% | 1,753 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 73.2394% | 1,808 |
| Assets per employee ($millions) | 3.2093% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9956% | 387 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 45.1400% | 3,847 |
| Net loans and leases to deposits | 54.1437% | 3,770 |
| Net loans and leases to core deposits | 58.2412% | 3,831 |
| Total domestic deposits to total assets | 83.3800% | 2,890 |
| Equity capital to assets | 16.4680% | 422 |
| Core capital (leverage) ratio | 16.4680% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $12,397,000 | 4,529 |
| Average earning assets | $11,518,500 | 4,496 |
| Average equity | $2,095,000 | 4,483 |
| Average total loans | $6,115,500 | 4,435 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2887% | 1,510 |
| Cost of funding earning assets | 0.9496% | 3,413 |
| Net interest margin | 4.3390% | 762 |
| Noninterest income to average assets | 0.0100% | 4,513 |
| Noninterest expense to average assets | 3.5847% | 522 |
| Loan and lease loss provision to assets | 0.5700% | 146 |
| Net operating income to assets | -0.0867% | 4,423 |
| Return on assets (ROA) | -0.0867% | 4,406 |
| Pretax return on assets | -0.0867% | 4,398 |
| Return on Equity (ROE) | -0.5700% | 4,371 |
| Retained earnings to average equity (ytd only) | -0.5665% | 4,146 |
| Net charge-offs to loans | 1.3976% | 67 |
| Credit loss provision to net charge-offs | 94.0476% | 1,915 |
| Earnings coverage of net charge-offs (x) | 0.7976% | 2,795 |
| Efficiency ratio | 88.0995% | 483 |
| Assets per employee ($millions) | 2.9798% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8677% | 472 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 52.0200% | 3,475 |
| Net loans and leases to deposits | 62.8421% | 3,356 |
| Net loans and leases to core deposits | 62.8421% | 3,642 |
| Total domestic deposits to total assets | 82.7800% | 2,946 |
| Equity capital to assets | 17.0987% | 383 |
| Core capital (leverage) ratio | 16.4139% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $13,836,600 | 4,547 |
| Average earning assets | $12,952,200 | 4,509 |
| Average equity | $2,118,400 | 4,482 |
| Average total loans | $6,010,400 | 4,451 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1185% | 1,596 |
| Cost of funding earning assets | 0.8962% | 3,282 |
| Net interest margin | 4.2223% | 893 |
| Noninterest income to average assets | 0.0100% | 4,534 |
| Noninterest expense to average assets | 3.3435% | 678 |
| Loan and lease loss provision to assets | -0.3600% | 4,603 |
| Net operating income to assets | 0.9686% | 2,456 |
| Return on assets (ROA) | 0.9686% | 2,450 |
| Pretax return on assets | 0.9686% | 2,936 |
| Return on Equity (ROE) | 6.4800% | 3,553 |
| Retained earnings to average equity (ytd only) | 6.4841% | 2,471 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.4706% | 586 |
| Assets per employee ($millions) | 3.3543% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 1,600 |
| 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 | 45.7500% | 3,841 |
| Net loans and leases to deposits | 54.7645% | 3,763 |
| Net loans and leases to core deposits | 58.3294% | 3,773 |
| Total domestic deposits to total assets | 83.5400% | 2,892 |
| Equity capital to assets | 16.0543% | 445 |
| Core capital (leverage) ratio | 15.9650% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $14,316,000 | 4,571 |
| Average earning assets | $13,389,000 | 4,536 |
| Average equity | $2,138,500 | 4,503 |
| Average total loans | $5,933,500 | 4,479 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 1,700 |
| Cost of funding earning assets | 0.7454% | 3,362 |
| Net interest margin | 4.1802% | 958 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 3.2020% | 787 |
| Loan and lease loss provision to assets | -0.5200% | 4,636 |
| Net operating income to assets | 1.2452% | 1,706 |
| Return on assets (ROA) | 1.2452% | 1,703 |
| Pretax return on assets | 1.2452% | 2,238 |
| Return on Equity (ROE) | 8.5300% | 3,104 |
| Retained earnings to average equity (ytd only) | 8.5313% | 1,808 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.5331% | 740 |
| Assets per employee ($millions) | 3.3770% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 1,366 |
| Loan loss allowance to noncurrent loans | 119.7183% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 1,036 |
| Noncurrent loans to loans | 1.2085% | 583 |
| Net loans and leases to total assets | 42.8600% | 3,924 |
| Net loans and leases to deposits | 51.1484% | 3,872 |
| Net loans and leases to core deposits | 56.6869% | 3,786 |
| Total domestic deposits to total assets | 83.8000% | 2,872 |
| Equity capital to assets | 15.8499% | 460 |
| Core capital (leverage) ratio | 14.4907% | 675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $14,615,667 | 4,599 |
| Average earning assets | $13,683,667 | 4,564 |
| Average equity | $2,133,333 | 4,539 |
| Average total loans | $5,837,000 | 4,510 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5244% | 2,262 |
| Cost of funding earning assets | 0.3934% | 3,982 |
| Net interest margin | 4.1310% | 1,051 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 2.6896% | 1,707 |
| Loan and lease loss provision to assets | -1.0000% | 4,666 |
| Net operating income to assets | 2.1886% | 378 |
| Return on assets (ROA) | 2.1886% | 375 |
| Pretax return on assets | 2.1886% | 582 |
| Return on Equity (ROE) | 15.5900% | 1,444 |
| Retained earnings to average equity (ytd only) | 15.5905% | 733 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.3878% | 1,814 |
| Assets per employee ($millions) | 3.9198% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 1,385 |
| Loan loss allowance to noncurrent loans | 139.3443% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3891% | 1,330 |
| Noncurrent loans to loans | 1.0503% | 690 |
| Net loans and leases to total assets | 36.5000% | 4,172 |
| Net loans and leases to deposits | 42.3957% | 4,151 |
| Net loans and leases to core deposits | 44.7249% | 4,152 |
| Total domestic deposits to total assets | 86.1000% | 2,554 |
| Equity capital to assets | 13.8465% | 613 |
| Core capital (leverage) ratio | 14.7577% | 617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $15,169,500 | 4,658 |
| Average earning assets | $14,234,000 | 4,629 |
| Average equity | $2,129,500 | 4,605 |
| Average total loans | $5,818,000 | 4,579 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5724% | 2,877 |
| Cost of funding earning assets | 0.1841% | 3,878 |
| Net interest margin | 3.3882% | 2,299 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 2.6203% | 1,772 |
| Loan and lease loss provision to assets | 0.4800% | 126 |
| Net operating income to assets | 0.0899% | 4,514 |
| Return on assets (ROA) | 0.0899% | 4,501 |
| Pretax return on assets | 0.0899% | 4,506 |
| Return on Equity (ROE) | 0.6200% | 4,511 |
| Retained earnings to average equity (ytd only) | 0.6228% | 4,254 |
| Net charge-offs to loans | 1.8126% | 35 |
| Credit loss provision to net charge-offs | 65.4206% | 1,746 |
| Earnings coverage of net charge-offs (x) | 0.7757% | 2,552 |
| Efficiency ratio | 82.0346% | 591 |
| Assets per employee ($millions) | 3.6650% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1105% | 358 |
| Loan loss allowance to noncurrent loans | 201.6393% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 1,238 |
| Noncurrent loans to loans | 1.0467% | 693 |
| Net loans and leases to total assets | 38.9200% | 4,101 |
| Net loans and leases to deposits | 45.4003% | 4,072 |
| Net loans and leases to core deposits | 48.0826% | 4,053 |
| Total domestic deposits to total assets | 85.7200% | 2,798 |
| Equity capital to assets | 14.2428% | 549 |
| Core capital (leverage) ratio | 14.3931% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $14,464,000 | 4,696 |
| Average earning assets | $13,576,400 | 4,663 |
| Average equity | $2,087,400 | 4,673 |
| Average total loans | $5,903,000 | 4,613 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3486% | 3,054 |
| Cost of funding earning assets | 0.1773% | 3,546 |
| Net interest margin | 3.1714% | 2,707 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 2.6546% | 1,582 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3422% | 4,330 |
| Return on assets (ROA) | 0.3422% | 4,283 |
| Pretax return on assets | 0.3422% | 4,338 |
| Return on Equity (ROE) | 2.3600% | 4,368 |
| Retained earnings to average equity (ytd only) | 2.3635% | 3,947 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 88.5802% | 367 |
| Assets per employee ($millions) | 3.5460% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7267% | 176 |
| Loan loss allowance to noncurrent loans | 253.9683% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 1,217 |
| Noncurrent loans to loans | 1.0736% | 702 |
| Net loans and leases to total assets | 40.2400% | 4,060 |
| Net loans and leases to deposits | 47.3026% | 3,977 |
| Net loans and leases to core deposits | 50.2200% | 3,932 |
| Total domestic deposits to total assets | 85.0700% | 3,264 |
| Equity capital to assets | 14.8900% | 461 |
| Core capital (leverage) ratio | 14.7672% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $14,415,000 | 4,733 |
| Average earning assets | $13,537,500 | 4,700 |
| Average equity | $2,087,250 | 4,712 |
| Average total loans | $5,921,750 | 4,648 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1350% | 3,223 |
| Cost of funding earning assets | 0.1758% | 3,236 |
| Net interest margin | 2.9592% | 3,007 |
| Noninterest income to average assets | 0.0138% | 4,713 |
| Noninterest expense to average assets | 2.6221% | 1,571 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1794% | 4,449 |
| Return on assets (ROA) | 0.1794% | 4,411 |
| Pretax return on assets | 0.1794% | 4,429 |
| Return on Equity (ROE) | 1.2506% | 4,432 |
| Retained earnings to average equity (ytd only) | 1.2506% | 3,936 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5961% | 299 |
| Assets per employee ($millions) | 3.5383% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6281% | 215 |
| Loan loss allowance to noncurrent loans | 253.9683% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 1,272 |
| Noncurrent loans to loans | 1.0348% | 808 |
| Net loans and leases to total assets | 41.8851% | 3,982 |
| Net loans and leases to deposits | 49.1583% | 3,856 |
| Net loans and leases to core deposits | 52.1877% | 3,812 |
| Total domestic deposits to total assets | 85.2046% | 3,439 |
| Equity capital to assets | 14.7531% | 431 |
| Core capital (leverage) ratio | 14.4199% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,492,000 | 4,764 |
| Average earning assets | $13,652,333 | 4,747 |
| Average equity | $2,079,000 | 4,741 |
| Average total loans | $5,939,667 | 4,713 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9051% | 3,520 |
| Cost of funding earning assets | 0.1743% | 3,167 |
| Net interest margin | 2.7308% | 3,337 |
| Noninterest income to average assets | 0.0273% | 4,710 |
| Noninterest expense to average assets | 2.6191% | 1,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0273% | 4,561 |
| Return on assets (ROA) | -0.0273% | 4,540 |
| Pretax return on assets | -0.0273% | 4,535 |
| Return on Equity (ROE) | -0.1928% | 4,540 |
| Retained earnings to average equity (ytd only) | -0.1928% | 4,039 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0526% | 226 |
| Assets per employee ($millions) | 3.7260% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7179% | 220 |
| Loan loss allowance to noncurrent loans | 8,000.0000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 3,929 |
| Noncurrent loans to loans | 0.0340% | 3,739 |
| Net loans and leases to total assets | 38.4259% | 4,096 |
| Net loans and leases to deposits | 44.6585% | 4,037 |
| Net loans and leases to core deposits | 47.2369% | 4,018 |
| Total domestic deposits to total assets | 86.0440% | 3,249 |
| Equity capital to assets | 13.9157% | 541 |
| Core capital (leverage) ratio | 14.3163% | 535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,661,500 | 4,789 |
| Average earning assets | $13,769,000 | 4,772 |
| Average equity | $2,074,500 | 4,768 |
| Average total loans | $5,865,500 | 4,740 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1313% | 3,621 |
| Cost of funding earning assets | 0.1842% | 3,605 |
| Net interest margin | 2.9471% | 3,334 |
| Noninterest income to average assets | 0.0207% | 4,770 |
| Noninterest expense to average assets | 2.7036% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0759% | 4,637 |
| Return on assets (ROA) | 0.0759% | 4,648 |
| Pretax return on assets | 0.0759% | 4,657 |
| Return on Equity (ROE) | 0.5313% | 4,654 |
| Retained earnings to average equity (ytd only) | 0.5313% | 4,367 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2705% | 181 |
| Assets per employee ($millions) | 3.6048% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7379% | 198 |
| Loan loss allowance to noncurrent loans | 8,000.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 3,998 |
| Noncurrent loans to loans | 0.0342% | 3,832 |
| Net loans and leases to total assets | 39.4202% | 4,125 |
| Net loans and leases to deposits | 46.0728% | 4,087 |
| Net loans and leases to core deposits | 48.8400% | 4,062 |
| Total domestic deposits to total assets | 85.5607% | 3,063 |
| Equity capital to assets | 14.3907% | 601 |
| Core capital (leverage) ratio | 14.3678% | 560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,499,200 | 4,831 |
| Average earning assets | $13,572,800 | 4,816 |
| Average equity | $2,070,200 | 4,811 |
| Average total loans | $6,142,200 | 4,782 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1575% | 3,684 |
| Cost of funding earning assets | 0.1863% | 3,749 |
| Net interest margin | 2.9712% | 3,379 |
| Noninterest income to average assets | 0.0184% | 4,850 |
| Noninterest expense to average assets | 2.6998% | 1,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1010% | 4,699 |
| Return on assets (ROA) | 0.1010% | 4,715 |
| Pretax return on assets | 0.1010% | 4,712 |
| Return on Equity (ROE) | 0.7089% | 4,713 |
| Retained earnings to average equity (ytd only) | 0.7089% | 4,468 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3934% | 191 |
| Assets per employee ($millions) | 3.5570% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6828% | 217 |
| Loan loss allowance to noncurrent loans | 5,333.3333% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 4,050 |
| Noncurrent loans to loans | 0.0503% | 3,862 |
| Net loans and leases to total assets | 40.7928% | 4,165 |
| Net loans and leases to deposits | 47.7813% | 4,132 |
| Net loans and leases to core deposits | 50.6988% | 4,098 |
| Total domestic deposits to total assets | 85.3739% | 2,997 |
| Equity capital to assets | 14.5839% | 624 |
| Core capital (leverage) ratio | 14.3559% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,519,250 | 4,904 |
| Average earning assets | $13,597,000 | 4,890 |
| Average equity | $2,069,000 | 4,883 |
| Average total loans | $6,216,750 | 4,851 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1862% | 3,700 |
| Cost of funding earning assets | 0.1754% | 3,992 |
| Net interest margin | 3.0108% | 3,292 |
| Noninterest income to average assets | 0.0137% | 4,892 |
| Noninterest expense to average assets | 2.7367% | 1,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0958% | 4,715 |
| Return on assets (ROA) | 0.0958% | 4,730 |
| Pretax return on assets | 0.0958% | 4,736 |
| Return on Equity (ROE) | 0.6773% | 4,735 |
| Retained earnings to average equity (ytd only) | 0.6773% | 4,399 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6184% | 208 |
| Assets per employee ($millions) | 3.6133% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6455% | 231 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 4,021 |
| Noncurrent loans to loans | 0.0827% | 3,777 |
| Net loans and leases to total assets | 40.7389% | 4,256 |
| Net loans and leases to deposits | 47.5798% | 4,243 |
| Net loans and leases to core deposits | 50.4239% | 4,221 |
| Total domestic deposits to total assets | 85.6224% | 2,867 |
| Equity capital to assets | 14.3223% | 657 |
| Core capital (leverage) ratio | 13.9047% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,616,333 | 4,940 |
| Average earning assets | $13,684,000 | 4,924 |
| Average equity | $2,067,000 | 4,919 |
| Average total loans | $6,301,000 | 4,886 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2024% | 3,686 |
| Cost of funding earning assets | 0.1747% | 4,123 |
| Net interest margin | 3.0278% | 3,187 |
| Noninterest income to average assets | 0.0272% | 4,894 |
| Noninterest expense to average assets | 2.7759% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0816% | 4,725 |
| Return on assets (ROA) | 0.0816% | 4,736 |
| Pretax return on assets | 0.0816% | 4,740 |
| Return on Equity (ROE) | 0.5810% | 4,745 |
| Retained earnings to average equity (ytd only) | 0.5810% | 4,291 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1429% | 227 |
| Assets per employee ($millions) | 3.7195% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4506% | 281 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 4,121 |
| Noncurrent loans to loans | 0.0766% | 3,911 |
| Net loans and leases to total assets | 42.8082% | 4,187 |
| Net loans and leases to deposits | 49.7423% | 4,173 |
| Net loans and leases to core deposits | 52.6103% | 4,165 |
| Total domestic deposits to total assets | 86.0600% | 2,716 |
| Equity capital to assets | 13.8930% | 693 |
| Core capital (leverage) ratio | 14.2248% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,698,000 | 4,966 |
| Average earning assets | $13,739,500 | 4,951 |
| Average equity | $2,065,500 | 4,944 |
| Average total loans | $6,427,500 | 4,912 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6649% | 3,664 |
| Cost of funding earning assets | 0.1905% | 4,609 |
| Net interest margin | 3.4744% | 2,551 |
| Noninterest income to average assets | 0.0142% | 4,933 |
| Noninterest expense to average assets | 3.2260% | 1,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.0213% | 4,716 |
| Return on assets (ROA) | 0.0213% | 4,755 |
| Pretax return on assets | 0.0213% | 4,751 |
| Return on Equity (ROE) | 0.1442% | 4,760 |
| Retained earnings to average equity (ytd only) | 0.1442% | 4,480 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3450% | 184 |
| Assets per employee ($millions) | 3.6295% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5292% | 253 |
| Loan loss allowance to noncurrent loans | 2,285.7143% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 4,095 |
| Noncurrent loans to loans | 0.1107% | 3,847 |
| Net loans and leases to total assets | 42.4714% | 4,323 |
| Net loans and leases to deposits | 49.5341% | 4,336 |
| Net loans and leases to core deposits | 52.4721% | 4,317 |
| Total domestic deposits to total assets | 85.7418% | 2,474 |
| Equity capital to assets | 14.2168% | 747 |
| Core capital (leverage) ratio | 14.2679% | 642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,104,200 | 4,986 |
| Average earning assets | $13,124,400 | 4,974 |
| Average equity | $2,079,800 | 4,968 |
| Average total loans | $6,504,400 | 4,939 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7468% | 3,690 |
| Cost of funding earning assets | 0.1945% | 4,694 |
| Net interest margin | 3.5523% | 2,414 |
| Noninterest income to average assets | 0.0190% | 4,955 |
| Noninterest expense to average assets | 3.0093% | 1,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3143% | 4,419 |
| Return on assets (ROA) | 0.3143% | 4,471 |
| Pretax return on assets | 0.3143% | 4,528 |
| Return on Equity (ROE) | 2.1115% | 4,537 |
| Retained earnings to average equity (ytd only) | 2.1115% | 3,891 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5444% | 352 |
| Assets per employee ($millions) | 3.4178% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3941% | 265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 47.7141% | 4,226 |
| Net loans and leases to deposits | 56.3786% | 4,239 |
| Net loans and leases to core deposits | 59.9926% | 4,204 |
| Total domestic deposits to total assets | 84.6317% | 2,580 |
| Equity capital to assets | 15.3244% | 565 |
| Core capital (leverage) ratio | 15.0702% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,000,750 | 5,018 |
| Average earning assets | $13,024,250 | 5,006 |
| Average equity | $2,083,750 | 4,998 |
| Average total loans | $6,549,000 | 4,973 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 3,959 |
| Cost of funding earning assets | 0.1829% | 4,803 |
| Net interest margin | 3.5813% | 2,542 |
| Noninterest income to average assets | 0.0142% | 4,986 |
| Noninterest expense to average assets | 2.8206% | 2,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5244% | 3,944 |
| Return on assets (ROA) | 0.5244% | 4,031 |
| Pretax return on assets | 0.5244% | 4,212 |
| Return on Equity (ROE) | 3.5577% | 4,227 |
| Retained earnings to average equity (ytd only) | 3.5577% | 3,151 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3220% | 622 |
| Assets per employee ($millions) | 4.6747% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3634% | 263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 47.1335% | 4,306 |
| Net loans and leases to deposits | 55.4577% | 4,314 |
| Net loans and leases to core deposits | 58.8969% | 4,314 |
| Total domestic deposits to total assets | 84.9900% | 2,403 |
| Equity capital to assets | 14.9601% | 624 |
| Core capital (leverage) ratio | 14.9430% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,110,667 | 5,050 |
| Average earning assets | $13,123,667 | 5,038 |
| Average equity | $2,080,000 | 5,027 |
| Average total loans | $6,504,333 | 5,006 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 4,043 |
| Cost of funding earning assets | 0.1826% | 4,921 |
| Net interest margin | 3.7136% | 2,277 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 2.8826% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5652% | 3,694 |
| Return on assets (ROA) | 0.5652% | 3,763 |
| Pretax return on assets | 0.5652% | 3,993 |
| Return on Equity (ROE) | 3.8629% | 3,991 |
| Retained earnings to average equity (ytd only) | 3.8629% | 2,730 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6066% | 856 |
| Assets per employee ($millions) | 3.5268% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5126% | 241 |
| Loan loss allowance to noncurrent loans | 197.5309% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 2,279 |
| Noncurrent loans to loans | 1.2720% | 1,286 |
| Net loans and leases to total assets | 44.0065% | 4,504 |
| Net loans and leases to deposits | 51.6516% | 4,533 |
| Net loans and leases to core deposits | 54.8265% | 4,539 |
| Total domestic deposits to total assets | 85.1988% | 2,337 |
| Equity capital to assets | 14.7515% | 822 |
| Core capital (leverage) ratio | 14.5321% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,154,000 | 5,098 |
| Average earning assets | $13,141,000 | 5,086 |
| Average equity | $2,071,000 | 5,075 |
| Average total loans | $6,371,500 | 5,051 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 4,152 |
| Cost of funding earning assets | 0.2000% | 4,967 |
| Net interest margin | 3.8446% | 2,359 |
| Noninterest income to average assets | 0.0208% | 5,096 |
| Noninterest expense to average assets | 3.2879% | 1,326 |
| Loan and lease loss provision to assets | 0.8254% | 121 |
| Net operating income to assets | -0.4925% | 5,052 |
| Return on assets (ROA) | -0.4925% | 5,058 |
| Pretax return on assets | -0.4925% | 5,052 |
| Return on Equity (ROE) | -3.3085% | 5,054 |
| Retained earnings to average equity (ytd only) | -3.3085% | 4,922 |
| Net charge-offs to loans | 1.8536% | 66 |
| Credit loss provision to net charge-offs | 99.1667% | 2,516 |
| Earnings coverage of net charge-offs (x) | 0.4000% | 3,616 |
| Efficiency ratio | 90.8046% | 322 |
| Assets per employee ($millions) | 3.5503% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5098% | 217 |
| Loan loss allowance to noncurrent loans | 695.6522% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 3,832 |
| Noncurrent loans to loans | 0.3608% | 3,155 |
| Net loans and leases to total assets | 43.7645% | 4,610 |
| Net loans and leases to deposits | 51.2239% | 4,636 |
| Net loans and leases to core deposits | 54.3364% | 4,637 |
| Total domestic deposits to total assets | 85.4376% | 2,327 |
| Equity capital to assets | 14.5131% | 931 |
| Core capital (leverage) ratio | 14.3264% | 844 |
| Tier 1 risk-based capital ratio | 26.0820% | 671 |
| Total risk-based capital ratio | 27.3602% | 654 |
| Memoranda: | ||
| Average total assets | $14,416,400 | 5,155 |
| Average earning assets | $13,499,600 | 5,145 |
| Average equity | $2,146,000 | 5,128 |
| Average total loans | $6,473,800 | 5,113 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 4,346 |
| Cost of funding earning assets | 0.2059% | 5,027 |
| Net interest margin | 3.8033% | 2,587 |
| Noninterest income to average assets | 0.0185% | 5,173 |
| Noninterest expense to average assets | 2.8932% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7003% | 4,012 |
| Return on assets (ROA) | 0.7003% | 4,074 |
| Pretax return on assets | 0.7003% | 4,341 |
| Return on Equity (ROE) | 4.6755% | 4,431 |
| Retained earnings to average equity (ytd only) | 4.6755% | 3,069 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5128% | 874 |
| Assets per employee ($millions) | 3.5973% | 4,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3642% | 263 |
| Loan loss allowance to noncurrent loans | 114.1844% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.9799% | 1,375 |
| Noncurrent loans to loans | 2.0705% | 641 |
| Net loans and leases to total assets | 46.2089% | 4,590 |
| Net loans and leases to deposits | 54.6164% | 4,603 |
| Net loans and leases to core deposits | 57.9232% | 4,612 |
| Total domestic deposits to total assets | 84.6063% | 2,578 |
| Equity capital to assets | 15.3451% | 766 |
| Core capital (leverage) ratio | 15.5482% | 634 |
| Tier 1 risk-based capital ratio | 26.6538% | 667 |
| Total risk-based capital ratio | 27.9092% | 654 |
| Memoranda: | ||
| Average total assets | $14,470,250 | 5,233 |
| Average earning assets | $13,601,750 | 5,223 |
| Average equity | $2,167,250 | 5,200 |
| Average total loans | $6,498,500 | 5,193 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9769% | 4,421 |
| Cost of funding earning assets | 0.2054% | 5,061 |
| Net interest margin | 3.7715% | 2,688 |
| Noninterest income to average assets | 0.0138% | 5,229 |
| Noninterest expense to average assets | 2.9109% | 2,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6484% | 4,173 |
| Return on assets (ROA) | 0.6484% | 4,221 |
| Pretax return on assets | 0.6484% | 4,450 |
| Return on Equity (ROE) | 4.3646% | 4,507 |
| Retained earnings to average equity (ytd only) | 4.3646% | 3,084 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7829% | 817 |
| Assets per employee ($millions) | 3.5765% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4262% | 245 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.2862% | 994 |
| Noncurrent loans to loans | 2.7728% | 384 |
| Net loans and leases to total assets | 45.2607% | 4,671 |
| Net loans and leases to deposits | 53.4241% | 4,704 |
| Net loans and leases to core deposits | 56.6690% | 4,693 |
| Total domestic deposits to total assets | 84.7197% | 2,589 |
| Equity capital to assets | 15.2314% | 761 |
| Core capital (leverage) ratio | 14.9216% | 720 |
| Tier 1 risk-based capital ratio | 26.7723% | 641 |
| Total risk-based capital ratio | 28.0256% | 628 |
| Memoranda: | ||
| Average total assets | $14,497,330 | 5,280 |
| Average earning assets | $13,628,670 | 5,269 |
| Average equity | $2,153,670 | 5,246 |
| Average total loans | $6,394,670 | 5,241 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 4,589 |
| Cost of funding earning assets | 0.2041% | 5,109 |
| Net interest margin | 3.6745% | 2,988 |
| Noninterest income to average assets | 0.0274% | 5,264 |
| Noninterest expense to average assets | 2.9877% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4934% | 4,540 |
| Return on assets (ROA) | 0.4934% | 4,558 |
| Pretax return on assets | 0.4934% | 4,704 |
| Return on Equity (ROE) | 3.3629% | 4,706 |
| Retained earnings to average equity (ytd only) | 3.3629% | 3,572 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8268% | 593 |
| Assets per employee ($millions) | 3.6608% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4954% | 249 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.2566% | 1,053 |
| Noncurrent loans to loans | 2.8518% | 408 |
| Net loans and leases to total assets | 42.9625% | 4,789 |
| Net loans and leases to deposits | 50.3844% | 4,804 |
| Net loans and leases to core deposits | 53.3497% | 4,806 |
| Total domestic deposits to total assets | 85.2694% | 2,570 |
| Equity capital to assets | 14.6828% | 831 |
| Core capital (leverage) ratio | 14.7361% | 756 |
| Tier 1 risk-based capital ratio | 26.7579% | 633 |
| Total risk-based capital ratio | 28.0149% | 622 |
| Memoranda: | ||
| Average total assets | $14,593,000 | 5,337 |
| Average earning assets | $13,716,000 | 5,327 |
| Average equity | $2,141,000 | 5,299 |
| Average total loans | $6,274,000 | 5,302 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8886% | 4,300 |
| Cost of funding earning assets | 0.2112% | 4,959 |
| Net interest margin | 3.6774% | 3,130 |
| Noninterest income to average assets | 0.0205% | 5,320 |
| Noninterest expense to average assets | 3.2101% | 1,526 |
| Loan and lease loss provision to assets | 0.0820% | 2,490 |
| Net operating income to assets | 0.1776% | 5,128 |
| Return on assets (ROA) | 0.1776% | 5,121 |
| Pretax return on assets | 0.1776% | 5,130 |
| Return on Equity (ROE) | 1.2175% | 5,137 |
| Retained earnings to average equity (ytd only) | 1.2175% | 4,647 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5197% | 270 |
| Assets per employee ($millions) | 3.6358% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6411% | 194 |
| Loan loss allowance to noncurrent loans | 126.7717% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.8733% | 1,594 |
| Noncurrent loans to loans | 2.0833% | 639 |
| Net loans and leases to total assets | 40.8100% | 4,915 |
| Net loans and leases to deposits | 47.8513% | 4,934 |
| Net loans and leases to core deposits | 50.6832% | 4,927 |
| Total domestic deposits to total assets | 85.2850% | 2,519 |
| Equity capital to assets | 14.6600% | 793 |
| Core capital (leverage) ratio | 14.5360% | 790 |
| Tier 1 risk-based capital ratio | 28.2796% | 548 |
| Total risk-based capital ratio | 29.5663% | 540 |
| Memoranda: | ||
| Average total assets | $14,641,200 | 5,381 |
| Average earning assets | $13,732,600 | 5,366 |
| Average equity | $2,135,600 | 5,342 |
| Average total loans | $6,130,600 | 5,345 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8600% | 4,303 |
| Cost of funding earning assets | 0.2134% | 4,972 |
| Net interest margin | 3.6467% | 3,205 |
| Noninterest income to average assets | 0.0182% | 5,398 |
| Noninterest expense to average assets | 2.7819% | 2,694 |
| Loan and lease loss provision to assets | 0.1091% | 1,842 |
| Net operating income to assets | 0.5455% | 4,654 |
| Return on assets (ROA) | 0.5455% | 4,661 |
| Pretax return on assets | 0.5455% | 4,825 |
| Return on Equity (ROE) | 3.7444% | 4,877 |
| Retained earnings to average equity (ytd only) | 3.7444% | 3,901 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 865 |
| Assets per employee ($millions) | 3.6168% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4762% | 255 |
| Loan loss allowance to noncurrent loans | 134.1667% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.8295% | 1,788 |
| Noncurrent loans to loans | 1.8456% | 826 |
| Net loans and leases to total assets | 43.8308% | 4,890 |
| Net loans and leases to deposits | 51.5780% | 4,897 |
| Net loans and leases to core deposits | 54.6591% | 4,888 |
| Total domestic deposits to total assets | 84.9796% | 2,615 |
| Equity capital to assets | 14.9720% | 729 |
| Core capital (leverage) ratio | 14.7628% | 768 |
| Tier 1 risk-based capital ratio | 27.0142% | 626 |
| Total risk-based capital ratio | 28.2739% | 617 |
| Memoranda: | ||
| Average total assets | $14,665,750 | 5,453 |
| Average earning assets | $13,747,250 | 5,436 |
| Average equity | $2,136,500 | 5,413 |
| Average total loans | $6,139,250 | 5,416 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7730% | 4,408 |
| Cost of funding earning assets | 0.2168% | 4,937 |
| Net interest margin | 3.5562% | 3,447 |
| Noninterest income to average assets | 0.0136% | 5,467 |
| Noninterest expense to average assets | 2.7559% | 2,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5973% | 4,503 |
| Return on assets (ROA) | 0.5973% | 4,506 |
| Pretax return on assets | 0.5973% | 4,742 |
| Return on Equity (ROE) | 4.1379% | 4,780 |
| Retained earnings to average equity (ytd only) | 4.1379% | 3,544 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1862% | 817 |
| Assets per employee ($millions) | 3.6590% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3101% | 313 |
| Loan loss allowance to noncurrent loans | 80.9783% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.2572% | 1,132 |
| Noncurrent loans to loans | 2.8527% | 412 |
| Net loans and leases to total assets | 43.0514% | 4,947 |
| Net loans and leases to deposits | 50.4969% | 4,965 |
| Net loans and leases to core deposits | 53.4617% | 4,949 |
| Total domestic deposits to total assets | 85.2555% | 2,579 |
| Equity capital to assets | 14.6898% | 763 |
| Core capital (leverage) ratio | 14.5871% | 755 |
| Tier 1 risk-based capital ratio | 27.0168% | 606 |
| Total risk-based capital ratio | 28.2734% | 598 |
| Memoranda: | ||
| Average total assets | $14,732,000 | 5,516 |
| Average earning assets | $13,835,000 | 5,501 |
| Average equity | $2,126,670 | 5,477 |
| Average total loans | $6,018,330 | 5,480 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6650% | 4,560 |
| Cost of funding earning assets | 0.2020% | 5,000 |
| Net interest margin | 3.4630% | 3,663 |
| Noninterest income to average assets | 0.0271% | 5,519 |
| Noninterest expense to average assets | 2.7876% | 2,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4871% | 4,725 |
| Return on assets (ROA) | 0.4871% | 4,733 |
| Pretax return on assets | 0.4871% | 4,892 |
| Return on Equity (ROE) | 3.4043% | 4,922 |
| Retained earnings to average equity (ytd only) | 3.4043% | 3,847 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1240% | 704 |
| Assets per employee ($millions) | 3.7310% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5118% | 247 |
| Loan loss allowance to noncurrent loans | 63.6752% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.5679% | 867 |
| Noncurrent loans to loans | 3.9447% | 256 |
| Net loans and leases to total assets | 38.7497% | 5,116 |
| Net loans and leases to deposits | 45.2079% | 5,122 |
| Net loans and leases to core deposits | 47.7934% | 5,107 |
| Total domestic deposits to total assets | 85.7143% | 2,670 |
| Equity capital to assets | 14.2321% | 833 |
| Core capital (leverage) ratio | 14.4059% | 783 |
| Tier 1 risk-based capital ratio | 28.6176% | 532 |
| Total risk-based capital ratio | 29.8707% | 527 |
| Memoranda: | ||
| Average total assets | $14,780,000 | 5,578 |
| Average earning assets | $13,861,000 | 5,564 |
| Average equity | $2,115,000 | 5,535 |
| Average total loans | $5,802,500 | 5,546 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5094% | 4,774 |
| Cost of funding earning assets | 0.2077% | 4,884 |
| Net interest margin | 3.3017% | 4,161 |
| Noninterest income to average assets | 0.0201% | 5,581 |
| Noninterest expense to average assets | 3.1646% | 1,690 |
| Loan and lease loss provision to assets | 0.2011% | 1,025 |
| Net operating income to assets | -0.2548% | 5,461 |
| Return on assets (ROA) | -0.2548% | 5,459 |
| Pretax return on assets | -0.2548% | 5,511 |
| Return on Equity (ROE) | -1.7824% | 5,458 |
| Retained earnings to average equity (ytd only) | -1.7824% | 5,263 |
| Net charge-offs to loans | 1.4873% | 105 |
| Credit loss provision to net charge-offs | 35.7143% | 3,483 |
| Earnings coverage of net charge-offs (x) | -0.0952% | 4,022 |
| Efficiency ratio | 101.7241% | 152 |
| Assets per employee ($millions) | 3.6590% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6265% | 213 |
| Loan loss allowance to noncurrent loans | 63.6752% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.5988% | 832 |
| Noncurrent loans to loans | 4.1248% | 223 |
| Net loans and leases to total assets | 37.7426% | 5,230 |
| Net loans and leases to deposits | 44.1144% | 5,245 |
| Net loans and leases to core deposits | 46.6909% | 5,226 |
| Total domestic deposits to total assets | 85.5562% | 2,630 |
| Equity capital to assets | 14.3892% | 811 |
| Core capital (leverage) ratio | 14.3119% | 768 |
| Tier 1 risk-based capital ratio | 29.4134% | 482 |
| Total risk-based capital ratio | 30.6704% | 479 |
| Memoranda: | ||
| Average total assets | $14,915,000 | 5,642 |
| Average earning assets | $13,962,400 | 5,626 |
| Average equity | $2,132,000 | 5,596 |
| Average total loans | $5,648,000 | 5,612 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5780% | 4,612 |
| Cost of funding earning assets | 0.2088% | 4,896 |
| Net interest margin | 3.3692% | 3,954 |
| Noninterest income to average assets | 0.0178% | 5,654 |
| Noninterest expense to average assets | 2.8028% | 2,718 |
| Loan and lease loss provision to assets | 0.2669% | 622 |
| Net operating income to assets | 0.1068% | 5,441 |
| Return on assets (ROA) | 0.1068% | 5,452 |
| Pretax return on assets | 0.1068% | 5,457 |
| Return on Equity (ROE) | 0.7482% | 5,456 |
| Retained earnings to average equity (ytd only) | 0.7482% | 5,049 |
| Net charge-offs to loans | 0.8508% | 212 |
| Credit loss provision to net charge-offs | 83.3333% | 2,533 |
| Earnings coverage of net charge-offs (x) | 1.1667% | 3,594 |
| Efficiency ratio | 88.2353% | 496 |
| Assets per employee ($millions) | 3.5858% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2866% | 112 |
| Loan loss allowance to noncurrent loans | 40.5350% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 3.3884% | 244 |
| Noncurrent loans to loans | 8.1081% | 44 |
| Net loans and leases to total assets | 40.4169% | 5,181 |
| Net loans and leases to deposits | 47.5944% | 5,201 |
| Net loans and leases to core deposits | 50.4570% | 5,185 |
| Total domestic deposits to total assets | 84.9195% | 2,746 |
| Equity capital to assets | 15.0317% | 721 |
| Core capital (leverage) ratio | 14.5352% | 759 |
| Tier 1 risk-based capital ratio | 28.9902% | 519 |
| Total risk-based capital ratio | 30.2541% | 508 |
| Memoranda: | ||
| Average total assets | $14,984,750 | 5,706 |
| Average earning assets | $14,048,250 | 5,690 |
| Average equity | $2,138,500 | 5,659 |
| Average total loans | $5,641,750 | 5,676 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4688% | 4,838 |
| Cost of funding earning assets | 0.1966% | 5,016 |
| Net interest margin | 3.2722% | 4,203 |
| Noninterest income to average assets | 0.0132% | 5,710 |
| Noninterest expense to average assets | 2.8687% | 2,517 |
| Loan and lease loss provision to assets | 0.3948% | 342 |
| Net operating income to assets | -0.1842% | 5,617 |
| Return on assets (ROA) | -0.1842% | 5,618 |
| Pretax return on assets | -0.1842% | 5,604 |
| Return on Equity (ROE) | -1.3129% | 5,597 |
| Retained earnings to average equity (ytd only) | -1.3129% | 5,265 |
| Net charge-offs to loans | 1.3033% | 142 |
| Credit loss provision to net charge-offs | 83.3333% | 2,220 |
| Earnings coverage of net charge-offs (x) | 0.4444% | 3,376 |
| Efficiency ratio | 93.1624% | 327 |
| Assets per employee ($millions) | 3.7333% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3555% | 118 |
| Loan loss allowance to noncurrent loans | 77.5591% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.7009% | 843 |
| Noncurrent loans to loans | 4.3263% | 199 |
| Net loans and leases to total assets | 37.9964% | 5,305 |
| Net loans and leases to deposits | 44.3454% | 5,325 |
| Net loans and leases to core deposits | 46.8732% | 5,321 |
| Total domestic deposits to total assets | 85.6827% | 2,528 |
| Equity capital to assets | 14.2637% | 888 |
| Core capital (leverage) ratio | 14.3270% | 776 |
| Tier 1 risk-based capital ratio | 29.1262% | 503 |
| Total risk-based capital ratio | 30.3979% | 496 |
| Memoranda: | ||
| Average total assets | $15,198,670 | 5,753 |
| Average earning assets | $14,241,330 | 5,740 |
| Average equity | $2,132,670 | 5,708 |
| Average total loans | $5,524,330 | 5,726 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3752% | 4,983 |
| Cost of funding earning assets | 0.1937% | 5,031 |
| Net interest margin | 3.1815% | 4,402 |
| Noninterest income to average assets | 0.0261% | 5,770 |
| Noninterest expense to average assets | 2.7655% | 2,905 |
| Loan and lease loss provision to assets | 0.7827% | 126 |
| Net operating income to assets | -0.5218% | 5,742 |
| Return on assets (ROA) | -0.5218% | 5,739 |
| Pretax return on assets | -0.5218% | 5,731 |
| Return on Equity (ROE) | -3.7488% | 5,720 |
| Retained earnings to average equity (ytd only) | -3.7488% | 5,312 |
| Net charge-offs to loans | 2.6911% | 66 |
| Credit loss provision to net charge-offs | 83.3333% | 1,732 |
| Earnings coverage of net charge-offs (x) | 0.2778% | 2,831 |
| Efficiency ratio | 91.3793% | 483 |
| Assets per employee ($millions) | 3.8105% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6114% | 110 |
| Loan loss allowance to noncurrent loans | 77.5591% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.6664% | 910 |
| Noncurrent loans to loans | 4.6563% | 184 |
| Net loans and leases to total assets | 34.4968% | 5,454 |
| Net loans and leases to deposits | 40.1037% | 5,469 |
| Net loans and leases to core deposits | 41.3788% | 5,485 |
| Total domestic deposits to total assets | 86.0189% | 2,655 |
| Equity capital to assets | 13.9352% | 923 |
| Core capital (leverage) ratio | 13.9343% | 865 |
| Tier 1 risk-based capital ratio | 30.8273% | 452 |
| Total risk-based capital ratio | 32.1045% | 450 |
| Memoranda: | ||
| Average total assets | $15,331,500 | 5,823 |
| Average earning assets | $14,458,500 | 5,808 |
| Average equity | $2,134,000 | 5,774 |
| Average total loans | $5,351,000 | 5,796 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9191% | 3,501 |
| Cost of funding earning assets | 0.2091% | 4,933 |
| Net interest margin | 3.7099% | 2,653 |
| Noninterest income to average assets | 0.0191% | 5,828 |
| Noninterest expense to average assets | 3.1069% | 2,011 |
| Loan and lease loss provision to assets | 0.2547% | 819 |
| Net operating income to assets | 0.1592% | 5,478 |
| Return on assets (ROA) | 0.1592% | 5,519 |
| Pretax return on assets | 0.1592% | 5,534 |
| Return on Equity (ROE) | 1.1614% | 5,543 |
| Retained earnings to average equity (ytd only) | 1.1614% | 4,828 |
| Net charge-offs to loans | -0.0547% | 5,421 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2459% | 654 |
| Assets per employee ($millions) | 3.8553% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8689% | 86 |
| 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 | 32.7086% | 5,581 |
| Net loans and leases to deposits | 38.0163% | 5,601 |
| Net loans and leases to core deposits | 39.2102% | 5,614 |
| Total domestic deposits to total assets | 86.0385% | 2,563 |
| Equity capital to assets | 13.9031% | 917 |
| Core capital (leverage) ratio | 13.8636% | 854 |
| Tier 1 risk-based capital ratio | 32.1247% | 408 |
| Total risk-based capital ratio | 33.3983% | 398 |
| Memoranda: | ||
| Average total assets | $15,707,000 | 5,879 |
| Average earning assets | $14,825,000 | 5,862 |
| Average equity | $2,152,600 | 5,832 |
| Average total loans | $5,483,600 | 5,853 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0190% | 3,151 |
| Cost of funding earning assets | 0.2059% | 5,007 |
| Net interest margin | 3.8132% | 2,284 |
| Noninterest income to average assets | 0.0169% | 5,900 |
| Noninterest expense to average assets | 3.0505% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5662% | 4,427 |
| Return on assets (ROA) | 0.5662% | 4,534 |
| Pretax return on assets | 0.5662% | 4,963 |
| Return on Equity (ROE) | 4.1457% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.1457% | 3,363 |
| Net charge-offs to loans | -0.0722% | 5,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3458% | 965 |
| Assets per employee ($millions) | 3.0822% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7230% | 259 |
| 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 | 37.7847% | 5,476 |
| Net loans and leases to deposits | 44.1471% | 5,510 |
| Net loans and leases to core deposits | 45.5384% | 5,528 |
| Total domestic deposits to total assets | 85.5882% | 2,561 |
| Equity capital to assets | 14.1847% | 972 |
| Core capital (leverage) ratio | 14.1251% | 816 |
| Tier 1 risk-based capital ratio | 29.2951% | 509 |
| Total risk-based capital ratio | 30.5548% | 508 |
| Memoranda: | ||
| Average total assets | $15,778,500 | 5,945 |
| Average earning assets | $14,895,500 | 5,928 |
| Average equity | $2,154,750 | 5,896 |
| Average total loans | $5,542,750 | 5,917 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 3,313 |
| Cost of funding earning assets | 0.2129% | 5,008 |
| Net interest margin | 3.7657% | 2,453 |
| Noninterest income to average assets | 0.0126% | 5,982 |
| Noninterest expense to average assets | 2.8929% | 2,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6792% | 3,900 |
| Return on assets (ROA) | 0.6792% | 4,042 |
| Pretax return on assets | 0.6792% | 4,680 |
| Return on Equity (ROE) | 5.0365% | 4,501 |
| Retained earnings to average equity (ytd only) | 5.0365% | 2,717 |
| Net charge-offs to loans | -0.0741% | 5,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9859% | 1,385 |
| Assets per employee ($millions) | 4.0363% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7999% | 253 |
| Loan loss allowance to noncurrent loans | 5,400.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 5,525 |
| Noncurrent loans to loans | 0.0518% | 5,253 |
| Net loans and leases to total assets | 34.8343% | 5,653 |
| Net loans and leases to deposits | 40.3385% | 5,677 |
| Net loans and leases to core deposits | 41.5393% | 5,696 |
| Total domestic deposits to total assets | 86.3549% | 2,238 |
| Equity capital to assets | 13.4593% | 1,255 |
| Core capital (leverage) ratio | 14.0447% | 813 |
| Tier 1 risk-based capital ratio | 29.7467% | 510 |
| Total risk-based capital ratio | 31.0062% | 496 |
| Memoranda: | ||
| Average total assets | $15,901,000 | 6,023 |
| Average earning assets | $15,030,330 | 6,005 |
| Average equity | $2,144,330 | 5,970 |
| Average total loans | $5,395,000 | 5,995 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9172% | 3,523 |
| Cost of funding earning assets | 0.2146% | 5,058 |
| Net interest margin | 3.7026% | 2,661 |
| Noninterest income to average assets | 0.0254% | 6,026 |
| Noninterest expense to average assets | 2.9660% | 2,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5577% | 4,382 |
| Return on assets (ROA) | 0.5577% | 4,485 |
| Pretax return on assets | 0.5577% | 4,934 |
| Return on Equity (ROE) | 4.1315% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.1315% | 3,418 |
| Net charge-offs to loans | -0.1539% | 5,778 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1727% | 1,143 |
| Assets per employee ($millions) | 3.9255% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9226% | 239 |
| Loan loss allowance to noncurrent loans | 5,400.0000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 5,570 |
| Noncurrent loans to loans | 0.0541% | 5,272 |
| Net loans and leases to total assets | 34.2695% | 5,705 |
| Net loans and leases to deposits | 39.7268% | 5,724 |
| Net loans and leases to core deposits | 40.9419% | 5,749 |
| Total domestic deposits to total assets | 86.2629% | 2,560 |
| Equity capital to assets | 13.6352% | 1,120 |
| Core capital (leverage) ratio | 13.6726% | 918 |
| Tier 1 risk-based capital ratio | 28.7614% | 560 |
| Total risk-based capital ratio | 30.0242% | 547 |
| Memoranda: | ||
| Average total assets | $15,779,000 | 6,086 |
| Average earning assets | $14,908,500 | 6,065 |
| Average equity | $2,130,000 | 6,028 |
| Average total loans | $5,199,500 | 6,058 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9086% | 3,676 |
| Cost of funding earning assets | 0.2216% | 5,082 |
| Net interest margin | 3.6870% | 2,795 |
| Noninterest income to average assets | 0.0190% | 6,068 |
| Noninterest expense to average assets | 3.2216% | 1,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2722% | 5,435 |
| Return on assets (ROA) | 0.2722% | 5,513 |
| Pretax return on assets | 0.2722% | 5,579 |
| Return on Equity (ROE) | 2.0461% | 5,561 |
| Retained earnings to average equity (ytd only) | 2.0461% | 4,567 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2101% | 560 |
| Assets per employee ($millions) | 3.1712% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2949% | 161 |
| 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 | 29.6165% | 5,902 |
| Net loans and leases to deposits | 34.2124% | 5,925 |
| Net loans and leases to core deposits | 35.2447% | 5,939 |
| Total domestic deposits to total assets | 86.5666% | 2,341 |
| Equity capital to assets | 13.3640% | 1,177 |
| Core capital (leverage) ratio | 13.3405% | 1,021 |
| Tier 1 risk-based capital ratio | 31.9608% | 431 |
| Total risk-based capital ratio | 33.2278% | 424 |
| Memoranda: | ||
| Average total assets | $15,799,800 | 6,143 |
| Average earning assets | $14,890,200 | 6,126 |
| Average equity | $2,101,600 | 6,088 |
| Average total loans | $4,951,000 | 6,121 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9237% | 3,666 |
| Cost of funding earning assets | 0.2245% | 5,142 |
| Net interest margin | 3.6992% | 2,774 |
| Noninterest income to average assets | 0.0169% | 6,157 |
| Noninterest expense to average assets | 3.1082% | 2,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3885% | 5,201 |
| Return on assets (ROA) | 0.3885% | 5,289 |
| Pretax return on assets | 0.3885% | 5,484 |
| Return on Equity (ROE) | 2.9243% | 5,413 |
| Retained earnings to average equity (ytd only) | 2.9243% | 4,369 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8889% | 769 |
| Assets per employee ($millions) | 3.1242% | 5,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9379% | 264 |
| Loan loss allowance to noncurrent loans | 16,000.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 5,782 |
| Noncurrent loans to loans | 0.0184% | 5,566 |
| Net loans and leases to total assets | 33.8391% | 5,864 |
| Net loans and leases to deposits | 39.2486% | 5,890 |
| Net loans and leases to core deposits | 40.4530% | 5,907 |
| Total domestic deposits to total assets | 86.2173% | 2,429 |
| Equity capital to assets | 13.5843% | 1,190 |
| Core capital (leverage) ratio | 13.3594% | 1,069 |
| Tier 1 risk-based capital ratio | 26.2137% | 747 |
| Total risk-based capital ratio | 27.4737% | 732 |
| Memoranda: | ||
| Average total assets | $15,785,750 | 6,229 |
| Average earning assets | $14,849,500 | 6,210 |
| Average equity | $2,097,250 | 6,172 |
| Average total loans | $4,974,750 | 6,205 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5315% | 4,904 |
| Cost of funding earning assets | 0.2283% | 5,164 |
| Net interest margin | 3.3032% | 4,289 |
| Noninterest income to average assets | 0.2651% | 5,056 |
| Noninterest expense to average assets | 3.0428% | 2,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3283% | 5,358 |
| Return on assets (ROA) | 0.3283% | 5,459 |
| Pretax return on assets | 0.3283% | 5,606 |
| Return on Equity (ROE) | 2.4892% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.4892% | 4,469 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2622% | 730 |
| Assets per employee ($millions) | 3.1820% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9017% | 298 |
| 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 | 33.6518% | 5,922 |
| Net loans and leases to deposits | 38.8619% | 5,944 |
| Net loans and leases to core deposits | 40.0269% | 5,954 |
| Total domestic deposits to total assets | 86.5933% | 2,378 |
| Equity capital to assets | 13.2118% | 1,296 |
| Core capital (leverage) ratio | 13.3080% | 1,046 |
| Tier 1 risk-based capital ratio | 27.0423% | 707 |
| Total risk-based capital ratio | 28.3031% | 690 |
| Memoranda: | ||
| Average total assets | $15,840,670 | 6,305 |
| Average earning assets | $14,894,670 | 6,279 |
| Average equity | $2,089,000 | 6,248 |
| Average total loans | $4,817,670 | 6,280 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3974% | 5,209 |
| Cost of funding earning assets | 0.2157% | 5,358 |
| Net interest margin | 3.1817% | 4,673 |
| Noninterest income to average assets | 0.2278% | 5,325 |
| Noninterest expense to average assets | 2.8850% | 2,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3290% | 5,312 |
| Return on assets (ROA) | 0.3290% | 5,421 |
| Pretax return on assets | 0.3290% | 5,575 |
| Return on Equity (ROE) | 2.4970% | 5,536 |
| Retained earnings to average equity (ytd only) | 2.4970% | 4,432 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7638% | 864 |
| Assets per employee ($millions) | 3.1614% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2494% | 226 |
| 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 | 30.1385% | 6,067 |
| Net loans and leases to deposits | 34.7433% | 6,104 |
| Net loans and leases to core deposits | 35.7873% | 6,109 |
| Total domestic deposits to total assets | 86.7464% | 2,529 |
| Equity capital to assets | 13.2157% | 1,297 |
| Core capital (leverage) ratio | 13.1153% | 1,118 |
| Tier 1 risk-based capital ratio | 76.7450% | 71 |
| Total risk-based capital ratio | 78.0309% | 72 |
| Memoranda: | ||
| Average total assets | $15,806,000 | 6,371 |
| Average earning assets | $14,835,000 | 6,347 |
| Average equity | $2,082,500 | 6,313 |
| Average total loans | $4,469,500 | 6,352 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4724% | 5,387 |
| Cost of funding earning assets | 0.2234% | 5,566 |
| Net interest margin | 3.2490% | 4,754 |
| Noninterest income to average assets | 0.2657% | 5,229 |
| Noninterest expense to average assets | 3.2206% | 2,163 |
| Loan and lease loss provision to assets | 1.3161% | 72 |
| Net operating income to assets | -1.1073% | 6,393 |
| Return on assets (ROA) | -1.1073% | 6,394 |
| Pretax return on assets | -1.2338% | 6,398 |
| Return on Equity (ROE) | -7.8574% | 6,338 |
| Retained earnings to average equity (ytd only) | -7.8574% | 6,268 |
| Net charge-offs to loans | 4.4465% | 12 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 0.0625% | 4,702 |
| Efficiency ratio | 97.5096% | 444 |
| Assets per employee ($millions) | 3.1610% | 5,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9851% | 135 |
| Loan loss allowance to noncurrent loans | 8,000.0000% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 6,012 |
| Noncurrent loans to loans | 0.0498% | 5,680 |
| Net loans and leases to total assets | 24.3910% | 6,306 |
| Net loans and leases to deposits | 28.0895% | 6,319 |
| Net loans and leases to core deposits | 28.0895% | 6,331 |
| Total domestic deposits to total assets | 86.8333% | 2,370 |
| Equity capital to assets | 13.1351% | 1,301 |
| Core capital (leverage) ratio | 12.8704% | 1,186 |
| Tier 1 risk-based capital ratio | 31.6271% | 447 |
| Total risk-based capital ratio | 32.8915% | 434 |
| Memoranda: | ||
| Average total assets | $15,804,400 | 6,458 |
| Average earning assets | $14,773,800 | 6,439 |
| Average equity | $2,227,200 | 6,378 |
| Average total loans | $4,677,800 | 6,442 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6227% | 5,088 |
| Cost of funding earning assets | 0.2258% | 5,623 |
| Net interest margin | 3.3969% | 4,256 |
| Noninterest income to average assets | 0.2615% | 5,339 |
| Noninterest expense to average assets | 3.1805% | 2,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2278% | 5,792 |
| Return on assets (ROA) | 0.2278% | 5,844 |
| Pretax return on assets | 0.2531% | 5,857 |
| Return on Equity (ROE) | 1.5894% | 5,926 |
| Retained earnings to average equity (ytd only) | 1.5894% | 5,246 |
| Net charge-offs to loans | -0.0551% | 5,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6290% | 666 |
| Assets per employee ($millions) | 3.0652% | 5,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2124% | 288 |
| Loan loss allowance to noncurrent loans | 1,620.0000% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 5,890 |
| Noncurrent loans to loans | 0.1983% | 5,310 |
| Net loans and leases to total assets | 31.8478% | 6,188 |
| Net loans and leases to deposits | 37.5202% | 6,202 |
| Net loans and leases to core deposits | 37.5202% | 6,252 |
| Total domestic deposits to total assets | 84.8819% | 3,388 |
| Equity capital to assets | 14.8636% | 762 |
| Core capital (leverage) ratio | 14.5829% | 707 |
| Tier 1 risk-based capital ratio | 31.0059% | 483 |
| Total risk-based capital ratio | 32.2717% | 476 |
| Memoranda: | ||
| Average total assets | $15,804,250 | 6,537 |
| Average earning assets | $14,758,250 | 6,517 |
| Average equity | $2,265,000 | 6,451 |
| Average total loans | $4,843,500 | 6,519 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5454% | 5,298 |
| Cost of funding earning assets | 0.2283% | 5,674 |
| Net interest margin | 3.3171% | 4,524 |
| Noninterest income to average assets | 0.2380% | 5,493 |
| Noninterest expense to average assets | 3.0569% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2506% | 5,712 |
| Return on assets (ROA) | 0.2506% | 5,788 |
| Pretax return on assets | 0.2756% | 5,828 |
| Return on Equity (ROE) | 1.7694% | 5,896 |
| Retained earnings to average equity (ytd only) | 1.7694% | 5,012 |
| Net charge-offs to loans | -0.0419% | 5,795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7293% | 780 |
| Assets per employee ($millions) | 3.1352% | 5,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0796% | 350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 32.3233% | 6,231 |
| Net loans and leases to deposits | 37.9096% | 6,230 |
| Net loans and leases to core deposits | 37.9096% | 6,280 |
| Total domestic deposits to total assets | 85.2641% | 3,378 |
| Equity capital to assets | 14.4871% | 824 |
| Core capital (leverage) ratio | 14.4640% | 712 |
| Tier 1 risk-based capital ratio | 30.3447% | 508 |
| Total risk-based capital ratio | 31.6007% | 502 |
| Memoranda: | ||
| Average total assets | $15,963,670 | 6,602 |
| Average earning assets | $14,892,670 | 6,583 |
| Average equity | $2,260,670 | 6,509 |
| Average total loans | $4,777,000 | 6,583 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4403% | 5,557 |
| Cost of funding earning assets | 0.2134% | 5,894 |
| Net interest margin | 3.2270% | 4,829 |
| Noninterest income to average assets | 0.2235% | 5,565 |
| Noninterest expense to average assets | 3.0048% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2235% | 5,732 |
| Return on assets (ROA) | 0.2235% | 5,786 |
| Pretax return on assets | 0.2235% | 5,881 |
| Return on Equity (ROE) | 1.5961% | 5,900 |
| Retained earnings to average equity (ytd only) | 1.5961% | 4,972 |
| Net charge-offs to loans | -0.0879% | 6,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0769% | 810 |
| Assets per employee ($millions) | 3.1640% | 5,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5455% | 258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 27.6865% | 6,424 |
| Net loans and leases to deposits | 32.3510% | 6,426 |
| Net loans and leases to core deposits | 32.3510% | 6,454 |
| Total domestic deposits to total assets | 85.5815% | 3,568 |
| Equity capital to assets | 14.2857% | 835 |
| Core capital (leverage) ratio | 14.4206% | 713 |
| Tier 1 risk-based capital ratio | 32.5414% | 424 |
| Total risk-based capital ratio | 33.8085% | 418 |
| Memoranda: | ||
| Average total assets | $16,107,500 | 6,672 |
| Average earning assets | $14,998,500 | 6,656 |
| Average equity | $2,255,500 | 6,573 |
| Average total loans | $4,551,500 | 6,657 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 5,249 |
| Cost of funding earning assets | 0.2595% | 5,912 |
| Net interest margin | 3.4001% | 4,273 |
| Noninterest income to average assets | 0.2934% | 5,250 |
| Noninterest expense to average assets | 3.3252% | 2,067 |
| Loan and lease loss provision to assets | 0.1223% | 2,784 |
| Net operating income to assets | 0.0428% | 6,145 |
| Return on assets (ROA) | 0.0428% | 6,191 |
| Pretax return on assets | 0.0489% | 6,157 |
| Return on Equity (ROE) | 0.3109% | 6,198 |
| Retained earnings to average equity (ytd only) | 0.3109% | 5,703 |
| Net charge-offs to loans | 0.4321% | 1,537 |
| Credit loss provision to net charge-offs | 90.9091% | 2,727 |
| Earnings coverage of net charge-offs (x) | 1.2727% | 4,639 |
| Efficiency ratio | 95.1049% | 694 |
| Assets per employee ($millions) | 3.2790% | 5,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5072% | 288 |
| 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 | 26.8496% | 6,551 |
| Net loans and leases to deposits | 31.1536% | 6,559 |
| Net loans and leases to core deposits | 31.1536% | 6,581 |
| Total domestic deposits to total assets | 86.1848% | 3,163 |
| Equity capital to assets | 13.7298% | 988 |
| Core capital (leverage) ratio | 13.7122% | 895 |
| Tier 1 risk-based capital ratio | 31.7624% | 439 |
| Total risk-based capital ratio | 33.0182% | 434 |
| Memoranda: | ||
| Average total assets | $16,359,800 | 6,748 |
| Average earning assets | $15,411,400 | 6,730 |
| Average equity | $2,251,800 | 6,657 |
| Average total loans | $5,091,800 | 6,734 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6648% | 5,264 |
| Cost of funding earning assets | 0.2679% | 5,973 |
| Net interest margin | 3.3969% | 4,302 |
| Noninterest income to average assets | 0.3017% | 5,285 |
| Noninterest expense to average assets | 3.3351% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1631% | 6,012 |
| Return on assets (ROA) | 0.1631% | 6,078 |
| Pretax return on assets | 0.1712% | 6,091 |
| Return on Equity (ROE) | 1.1843% | 6,149 |
| Retained earnings to average equity (ytd only) | 1.1843% | 5,509 |
| Net charge-offs to loans | 0.5614% | 1,123 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.9547% | 4,526 |
| Efficiency ratio | 95.1163% | 672 |
| Assets per employee ($millions) | 3.2340% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6144% | 820 |
| Loan loss allowance to noncurrent loans | 823.5294% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 6,122 |
| Noncurrent loans to loans | 0.3175% | 5,434 |
| Net loans and leases to total assets | 32.2511% | 6,445 |
| Net loans and leases to deposits | 37.6154% | 6,458 |
| Net loans and leases to core deposits | 37.6154% | 6,514 |
| Total domestic deposits to total assets | 85.7390% | 3,380 |
| Equity capital to assets | 14.0012% | 965 |
| Core capital (leverage) ratio | 14.0194% | 867 |
| Tier 1 risk-based capital ratio | 29.3607% | 546 |
| Total risk-based capital ratio | 30.6186% | 539 |
| Memoranda: | ||
| Average total assets | $16,351,000 | 6,824 |
| Average earning assets | $15,425,750 | 6,807 |
| Average equity | $2,252,000 | 6,735 |
| Average total loans | $5,224,250 | 6,807 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5586% | 5,566 |
| Cost of funding earning assets | 0.2847% | 5,947 |
| Net interest margin | 3.2740% | 4,670 |
| Noninterest income to average assets | 0.2925% | 5,357 |
| Noninterest expense to average assets | 3.2904% | 2,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0853% | 6,163 |
| Return on assets (ROA) | 0.0853% | 6,246 |
| Pretax return on assets | 0.0853% | 6,250 |
| Return on Equity (ROE) | 0.6228% | 6,284 |
| Retained earnings to average equity (ytd only) | 0.6228% | 5,649 |
| Net charge-offs to loans | 0.7335% | 887 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.3684% | 4,415 |
| Efficiency ratio | 97.4729% | 596 |
| Assets per employee ($millions) | 3.1602% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5559% | 922 |
| Loan loss allowance to noncurrent loans | 680.9524% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 6,085 |
| Noncurrent loans to loans | 0.3753% | 5,339 |
| Net loans and leases to total assets | 34.5041% | 6,387 |
| Net loans and leases to deposits | 40.4091% | 6,390 |
| Net loans and leases to core deposits | 43.1363% | 6,362 |
| Total domestic deposits to total assets | 85.3870% | 3,706 |
| Equity capital to assets | 14.2459% | 894 |
| Core capital (leverage) ratio | 14.0188% | 819 |
| Tier 1 risk-based capital ratio | 28.7411% | 590 |
| Total risk-based capital ratio | 29.9923% | 577 |
| Memoranda: | ||
| Average total assets | $16,411,330 | 6,872 |
| Average earning assets | $15,455,330 | 6,856 |
| Average equity | $2,248,000 | 6,783 |
| Average total loans | $5,180,670 | 6,858 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3817% | 5,980 |
| Cost of funding earning assets | 0.3051% | 5,932 |
| Net interest margin | 3.0766% | 5,343 |
| Noninterest income to average assets | 0.3111% | 5,204 |
| Noninterest expense to average assets | 3.0868% | 2,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1196% | 6,113 |
| Return on assets (ROA) | 0.1196% | 6,204 |
| Pretax return on assets | 0.1196% | 6,223 |
| Return on Equity (ROE) | 0.8903% | 6,244 |
| Retained earnings to average equity (ytd only) | 0.8903% | 5,490 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2687% | 719 |
| Assets per employee ($millions) | 3.3584% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4615% | 432 |
| Loan loss allowance to noncurrent loans | 462.8571% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 5,943 |
| Noncurrent loans to loans | 0.7479% | 4,632 |
| Net loans and leases to total assets | 26.9057% | 6,700 |
| Net loans and leases to deposits | 31.1329% | 6,714 |
| Net loans and leases to core deposits | 33.0795% | 6,694 |
| Total domestic deposits to total assets | 86.4221% | 3,290 |
| Equity capital to assets | 13.3933% | 1,246 |
| Core capital (leverage) ratio | 13.6089% | 909 |
| Tier 1 risk-based capital ratio | 30.9950% | 486 |
| Total risk-based capital ratio | 32.2630% | 480 |
| Memoranda: | ||
| Average total assets | $16,716,500 | 6,946 |
| Average earning assets | $15,731,500 | 6,922 |
| Average equity | $2,246,500 | 6,851 |
| Average total loans | $4,973,500 | 6,933 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3393% | 4,062 |
| Cost of funding earning assets | 0.3758% | 6,077 |
| Net interest margin | 3.9634% | 2,555 |
| Noninterest income to average assets | 0.3915% | 4,675 |
| Noninterest expense to average assets | 3.9923% | 984 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1091% | 5,998 |
| Return on assets (ROA) | 0.1091% | 6,136 |
| Pretax return on assets | 0.1220% | 6,120 |
| Return on Equity (ROE) | 0.7592% | 6,177 |
| Retained earnings to average equity (ytd only) | 0.7592% | 5,484 |
| Net charge-offs to loans | 0.1043% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 3.1667% | 3,851 |
| Efficiency ratio | 97.0359% | 660 |
| Assets per employee ($millions) | 3.3282% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0758% | 618 |
| 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 | 30.6772% | 6,677 |
| Net loans and leases to deposits | 35.5032% | 6,696 |
| Net loans and leases to core deposits | 35.5032% | 6,736 |
| Total domestic deposits to total assets | 86.4071% | 3,149 |
| Equity capital to assets | 13.4848% | 1,236 |
| Core capital (leverage) ratio | 13.8211% | 848 |
| Tier 1 risk-based capital ratio | 29.0636% | 555 |
| Total risk-based capital ratio | 30.3199% | 545 |
| Memoranda: | ||
| Average total assets | $15,580,000 | 7,016 |
| Average earning assets | $14,633,800 | 6,996 |
| Average equity | $2,239,200 | 6,922 |
| Average total loans | $5,753,600 | 6,983 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 3,665 |
| Cost of funding earning assets | 0.3799% | 6,230 |
| Net interest margin | 4.1138% | 2,042 |
| Noninterest income to average assets | 0.3918% | 4,695 |
| Noninterest expense to average assets | 4.1005% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1393% | 6,049 |
| Return on assets (ROA) | 0.1393% | 6,201 |
| Pretax return on assets | 0.1567% | 6,188 |
| Return on Equity (ROE) | 0.9531% | 6,258 |
| Retained earnings to average equity (ytd only) | 0.9531% | 5,788 |
| Net charge-offs to loans | 0.1362% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,831 |
| Efficiency ratio | 96.3190% | 666 |
| Assets per employee ($millions) | 3.1070% | 5,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7607% | 921 |
| Loan loss allowance to noncurrent loans | 8,100.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 6,748 |
| Noncurrent loans to loans | 0.0341% | 6,531 |
| Net loans and leases to total assets | 36.7300% | 6,503 |
| Net loans and leases to deposits | 43.1227% | 6,547 |
| Net loans and leases to core deposits | 43.1227% | 6,629 |
| Total domestic deposits to total assets | 85.1754% | 3,671 |
| Equity capital to assets | 14.4384% | 988 |
| Core capital (leverage) ratio | 14.3580% | 739 |
| Tier 1 risk-based capital ratio | 28.3279% | 628 |
| Total risk-based capital ratio | 29.5908% | 612 |
| Memoranda: | ||
| Average total assets | $15,314,750 | 7,117 |
| Average earning assets | $14,390,250 | 7,097 |
| Average equity | $2,238,000 | 7,014 |
| Average total loans | $5,875,250 | 7,074 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 3,756 |
| Cost of funding earning assets | 0.3776% | 6,392 |
| Net interest margin | 4.1253% | 1,989 |
| Noninterest income to average assets | 0.4330% | 4,414 |
| Noninterest expense to average assets | 4.0285% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2493% | 5,767 |
| Return on assets (ROA) | 0.2493% | 5,955 |
| Pretax return on assets | 0.2756% | 6,002 |
| Return on Equity (ROE) | 1.6992% | 6,130 |
| Retained earnings to average equity (ytd only) | 1.6992% | 5,344 |
| Net charge-offs to loans | 0.2042% | 3,347 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,350 |
| Efficiency ratio | 93.5976% | 825 |
| Assets per employee ($millions) | 3.1258% | 5,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6201% | 1,130 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 6,619 |
| Noncurrent loans to loans | 0.1941% | 6,196 |
| Net loans and leases to total assets | 38.5245% | 6,437 |
| Net loans and leases to deposits | 45.3150% | 6,487 |
| Net loans and leases to core deposits | 46.1875% | 6,564 |
| Total domestic deposits to total assets | 85.0150% | 3,850 |
| Equity capital to assets | 14.3707% | 951 |
| Core capital (leverage) ratio | 14.8633% | 620 |
| Tier 1 risk-based capital ratio | 27.4774% | 687 |
| Total risk-based capital ratio | 28.7375% | 673 |
| Memoranda: | ||
| Average total assets | $15,241,330 | 7,180 |
| Average earning assets | $14,302,000 | 7,159 |
| Average equity | $2,236,330 | 7,061 |
| Average total loans | $5,877,670 | 7,134 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 3,847 |
| Cost of funding earning assets | 0.3952% | 6,432 |
| Net interest margin | 4.1215% | 2,021 |
| Noninterest income to average assets | 0.6114% | 3,153 |
| Noninterest expense to average assets | 4.2000% | 739 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2392% | 5,856 |
| Return on assets (ROA) | 0.2392% | 6,002 |
| Pretax return on assets | 0.2924% | 5,997 |
| Return on Equity (ROE) | 1.6133% | 6,189 |
| Retained earnings to average equity (ytd only) | 1.6133% | 5,433 |
| Net charge-offs to loans | 0.4192% | 2,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.8333% | 3,420 |
| Efficiency ratio | 93.4911% | 848 |
| Assets per employee ($millions) | 3.0842% | 5,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9105% | 903 |
| Loan loss allowance to noncurrent loans | 2,314.2857% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 6,791 |
| Noncurrent loans to loans | 0.1258% | 6,435 |
| Net loans and leases to total assets | 35.0431% | 6,686 |
| Net loans and leases to deposits | 41.1702% | 6,694 |
| Net loans and leases to core deposits | 41.9728% | 6,748 |
| Total domestic deposits to total assets | 85.1177% | 3,978 |
| Equity capital to assets | 14.4997% | 864 |
| Core capital (leverage) ratio | 14.8690% | 621 |
| Tier 1 risk-based capital ratio | 29.2670% | 562 |
| Total risk-based capital ratio | 30.5236% | 553 |
| Memoranda: | ||
| Average total assets | $15,047,500 | 7,243 |
| Average earning assets | $14,169,500 | 7,219 |
| Average equity | $2,231,500 | 7,115 |
| Average total loans | $5,725,000 | 7,197 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 3,452 |
| Cost of funding earning assets | 0.5047% | 6,509 |
| Net interest margin | 4.3764% | 1,458 |
| Noninterest income to average assets | 0.3061% | 5,351 |
| Noninterest expense to average assets | 4.2313% | 784 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2245% | 5,507 |
| Return on assets (ROA) | 0.2245% | 5,651 |
| Pretax return on assets | 0.2041% | 5,774 |
| Return on Equity (ROE) | 1.4928% | 5,840 |
| Retained earnings to average equity (ytd only) | 1.4928% | 5,146 |
| Net charge-offs to loans | 0.3545% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.4286% | 4,697 |
| Efficiency ratio | 95.3988% | 850 |
| Assets per employee ($millions) | 2.9348% | 6,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8552% | 925 |
| Loan loss allowance to noncurrent loans | 884.2105% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 6,626 |
| Noncurrent loans to loans | 0.3229% | 6,087 |
| Net loans and leases to total assets | 38.9533% | 6,603 |
| Net loans and leases to deposits | 46.0077% | 6,627 |
| Net loans and leases to core deposits | 46.9525% | 6,692 |
| Total domestic deposits to total assets | 84.6668% | 4,010 |
| Equity capital to assets | 15.1765% | 738 |
| Core capital (leverage) ratio | 14.8675% | 628 |
| Tier 1 risk-based capital ratio | 28.9258% | 571 |
| Total risk-based capital ratio | 30.1857% | 560 |
| Memoranda: | ||
| Average total assets | $14,700,000 | 7,289 |
| Average earning assets | $13,869,800 | 7,266 |
| Average equity | $2,210,600 | 7,177 |
| Average total loans | $5,924,600 | 7,244 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8740% | 3,664 |
| Cost of funding earning assets | 0.5277% | 6,589 |
| Net interest margin | 4.3463% | 1,572 |
| Noninterest income to average assets | 0.2992% | 5,472 |
| Noninterest expense to average assets | 4.1704% | 821 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1994% | 5,703 |
| Return on assets (ROA) | 0.1994% | 5,832 |
| Pretax return on assets | 0.2357% | 5,829 |
| Return on Equity (ROE) | 1.3293% | 5,990 |
| Retained earnings to average equity (ytd only) | 1.3293% | 5,474 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6502% | 881 |
| Assets per employee ($millions) | 2.9370% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1333% | 772 |
| Loan loss allowance to noncurrent loans | 609.6774% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 6,536 |
| Noncurrent loans to loans | 0.5139% | 5,821 |
| Net loans and leases to total assets | 39.7889% | 6,649 |
| Net loans and leases to deposits | 47.0906% | 6,683 |
| Net loans and leases to core deposits | 48.0628% | 6,758 |
| Total domestic deposits to total assets | 84.4944% | 4,010 |
| Equity capital to assets | 15.0902% | 836 |
| Core capital (leverage) ratio | 15.0370% | 657 |
| Tier 1 risk-based capital ratio | 28.3811% | 630 |
| Total risk-based capital ratio | 29.6491% | 620 |
| Memoranda: | ||
| Average total assets | $14,706,500 | 7,366 |
| Average earning assets | $13,896,500 | 7,339 |
| Average equity | $2,206,500 | 7,253 |
| Average total loans | $5,934,750 | 7,316 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 4,119 |
| Cost of funding earning assets | 0.5438% | 6,688 |
| Net interest margin | 4.2504% | 1,843 |
| Noninterest income to average assets | 0.2854% | 5,600 |
| Noninterest expense to average assets | 4.0778% | 934 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2039% | 5,728 |
| Return on assets (ROA) | 0.2039% | 5,843 |
| Pretax return on assets | 0.2447% | 5,824 |
| Return on Equity (ROE) | 1.3616% | 5,994 |
| Retained earnings to average equity (ytd only) | 1.3616% | 5,311 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3396% | 959 |
| Assets per employee ($millions) | 2.9382% | 6,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2513% | 723 |
| Loan loss allowance to noncurrent loans | 700.0000% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 6,639 |
| Noncurrent loans to loans | 0.4645% | 5,979 |
| Net loans and leases to total assets | 38.2819% | 6,848 |
| Net loans and leases to deposits | 45.1328% | 6,873 |
| Net loans and leases to core deposits | 45.1328% | 6,971 |
| Total domestic deposits to total assets | 84.8206% | 3,956 |
| Equity capital to assets | 15.0364% | 815 |
| Core capital (leverage) ratio | 14.9702% | 667 |
| Tier 1 risk-based capital ratio | 29.1041% | 590 |
| Total risk-based capital ratio | 30.3689% | 579 |
| Memoranda: | ||
| Average total assets | $14,713,670 | 7,439 |
| Average earning assets | $13,975,000 | 7,411 |
| Average equity | $2,203,330 | 7,317 |
| Average total loans | $5,902,330 | 7,392 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 4,617 |
| Cost of funding earning assets | 0.5389% | 6,837 |
| Net interest margin | 4.1411% | 2,115 |
| Noninterest income to average assets | 0.2716% | 5,733 |
| Noninterest expense to average assets | 3.8302% | 1,290 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3531% | 5,159 |
| Return on assets (ROA) | 0.3531% | 5,239 |
| Pretax return on assets | 0.4075% | 5,320 |
| Return on Equity (ROE) | 2.3631% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.3631% | 4,730 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3846% | 1,304 |
| Assets per employee ($millions) | 2.9566% | 6,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2620% | 735 |
| Loan loss allowance to noncurrent loans | 994.7368% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 6,843 |
| Noncurrent loans to loans | 0.3279% | 6,337 |
| Net loans and leases to total assets | 37.9152% | 6,911 |
| Net loans and leases to deposits | 44.7219% | 6,922 |
| Net loans and leases to core deposits | 46.0407% | 6,969 |
| Total domestic deposits to total assets | 84.7798% | 4,133 |
| Equity capital to assets | 14.9293% | 782 |
| Core capital (leverage) ratio | 14.8770% | 684 |
| Tier 1 risk-based capital ratio | 29.0662% | 568 |
| Total risk-based capital ratio | 30.3306% | 553 |
| Memoranda: | ||
| Average total assets | $14,725,000 | 7,498 |
| Average earning assets | $14,102,500 | 7,471 |
| Average equity | $2,200,500 | 7,372 |
| Average total loans | $5,947,000 | 7,448 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2614% | 3,309 |
| Cost of funding earning assets | 0.8127% | 6,507 |
| Net interest margin | 4.4487% | 1,355 |
| Noninterest income to average assets | 0.3392% | 5,360 |
| Noninterest expense to average assets | 4.3825% | 738 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1018% | 5,582 |
| Return on assets (ROA) | 0.1018% | 5,724 |
| Pretax return on assets | 0.1900% | 5,508 |
| Return on Equity (ROE) | 0.6832% | 5,787 |
| Retained earnings to average equity (ytd only) | 0.6832% | 5,224 |
| Net charge-offs to loans | 0.0493% | 6,300 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,841 |
| Efficiency ratio | 95.8457% | 978 |
| Assets per employee ($millions) | 2.9334% | 6,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0984% | 801 |
| Loan loss allowance to noncurrent loans | 859.0909% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 6,857 |
| Noncurrent loans to loans | 0.3607% | 6,341 |
| Net loans and leases to total assets | 40.3014% | 6,941 |
| Net loans and leases to deposits | 47.5658% | 6,969 |
| Net loans and leases to core deposits | 47.5658% | 7,093 |
| Total domestic deposits to total assets | 84.7276% | 3,982 |
| Equity capital to assets | 14.9588% | 799 |
| Core capital (leverage) ratio | 14.4513% | 755 |
| Tier 1 risk-based capital ratio | 28.0994% | 598 |
| Total risk-based capital ratio | 29.3673% | 583 |
| Memoranda: | ||
| Average total assets | $14,740,600 | 7,574 |
| Average earning assets | $14,026,600 | 7,546 |
| Average equity | $2,195,600 | 7,469 |
| Average total loans | $6,079,600 | 7,531 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4007% | 2,880 |
| Cost of funding earning assets | 0.8558% | 6,562 |
| Net interest margin | 4.5450% | 1,158 |
| Noninterest income to average assets | 0.3342% | 5,487 |
| Noninterest expense to average assets | 4.3272% | 723 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2710% | 5,274 |
| Return on assets (ROA) | 0.2710% | 5,438 |
| Pretax return on assets | 0.3252% | 5,433 |
| Return on Equity (ROE) | 1.8215% | 5,670 |
| Retained earnings to average equity (ytd only) | 1.8215% | 5,049 |
| Net charge-offs to loans | 0.0658% | 5,855 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,733 |
| Efficiency ratio | 93.0097% | 1,059 |
| Assets per employee ($millions) | 2.9080% | 6,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0269% | 804 |
| Loan loss allowance to noncurrent loans | 945.0000% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 7,010 |
| Noncurrent loans to loans | 0.3203% | 6,555 |
| Net loans and leases to total assets | 41.6437% | 6,999 |
| Net loans and leases to deposits | 49.4649% | 7,021 |
| Net loans and leases to core deposits | 49.4649% | 7,139 |
| Total domestic deposits to total assets | 84.1884% | 4,013 |
| Equity capital to assets | 15.1926% | 848 |
| Core capital (leverage) ratio | 15.0497% | 709 |
| Tier 1 risk-based capital ratio | 27.7443% | 646 |
| Total risk-based capital ratio | 29.0128% | 628 |
| Memoranda: | ||
| Average total assets | $14,759,000 | 7,673 |
| Average earning assets | $14,022,500 | 7,643 |
| Average equity | $2,196,000 | 7,568 |
| Average total loans | $6,074,500 | 7,628 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4265% | 2,861 |
| Cost of funding earning assets | 0.8949% | 6,600 |
| Net interest margin | 4.5316% | 1,142 |
| Noninterest income to average assets | 0.3371% | 5,454 |
| Noninterest expense to average assets | 4.1802% | 831 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3776% | 4,862 |
| Return on assets (ROA) | 0.3776% | 5,026 |
| Pretax return on assets | 0.4585% | 5,033 |
| Return on Equity (ROE) | 2.5551% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.5551% | 4,522 |
| Net charge-offs to loans | 0.0997% | 5,151 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 11.3333% | 1,776 |
| Efficiency ratio | 90.1163% | 1,324 |
| Assets per employee ($millions) | 2.9210% | 6,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9731% | 838 |
| Loan loss allowance to noncurrent loans | 472.5000% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 6,723 |
| Noncurrent loans to loans | 0.6292% | 5,987 |
| Net loans and leases to total assets | 42.2321% | 7,033 |
| Net loans and leases to deposits | 50.2608% | 7,057 |
| Net loans and leases to core deposits | 52.3955% | 7,119 |
| Total domestic deposits to total assets | 84.0260% | 4,098 |
| Equity capital to assets | 15.1113% | 853 |
| Core capital (leverage) ratio | 15.1882% | 686 |
| Tier 1 risk-based capital ratio | 27.5599% | 664 |
| Total risk-based capital ratio | 28.8212% | 642 |
| Memoranda: | ||
| Average total assets | $14,832,000 | 7,733 |
| Average earning assets | $14,079,000 | 7,705 |
| Average equity | $2,191,670 | 7,629 |
| Average total loans | $6,018,000 | 7,695 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3158% | 3,466 |
| Cost of funding earning assets | 0.9614% | 6,538 |
| Net interest margin | 4.3544% | 1,524 |
| Noninterest income to average assets | 0.2944% | 5,788 |
| Noninterest expense to average assets | 4.0949% | 905 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2676% | 5,430 |
| Return on assets (ROA) | 0.2676% | 5,551 |
| Pretax return on assets | 0.3212% | 5,548 |
| Return on Equity (ROE) | 1.8315% | 5,822 |
| Retained earnings to average equity (ytd only) | 1.8315% | 5,016 |
| Net charge-offs to loans | 0.2052% | 3,685 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,724 |
| Efficiency ratio | 92.7273% | 1,224 |
| Assets per employee ($millions) | 2.9172% | 6,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2682% | 658 |
| Loan loss allowance to noncurrent loans | 726.9231% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 7,026 |
| Noncurrent loans to loans | 0.4496% | 6,402 |
| Net loans and leases to total assets | 38.3518% | 7,334 |
| Net loans and leases to deposits | 45.4243% | 7,351 |
| Net loans and leases to core deposits | 47.3466% | 7,384 |
| Total domestic deposits to total assets | 84.4303% | 3,928 |
| Equity capital to assets | 15.0075% | 882 |
| Core capital (leverage) ratio | 14.6893% | 806 |
| Tier 1 risk-based capital ratio | 28.9780% | 583 |
| Total risk-based capital ratio | 30.2489% | 570 |
| Memoranda: | ||
| Average total assets | $14,945,500 | 7,836 |
| Average earning assets | $14,146,500 | 7,801 |
| Average equity | $2,184,000 | 7,716 |
| Average total loans | $5,848,500 | 7,801 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7889% | 2,703 |
| Cost of funding earning assets | 1.5166% | 5,450 |
| Net interest margin | 4.2722% | 1,810 |
| Noninterest income to average assets | 0.3524% | 5,578 |
| Noninterest expense to average assets | 4.1177% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1175% | 5,158 |
| Return on assets (ROA) | 0.1175% | 5,214 |
| Pretax return on assets | 0.1501% | 5,112 |
| Return on Equity (ROE) | 0.8270% | 5,284 |
| Retained earnings to average equity (ytd only) | 0.8270% | 4,437 |
| Net charge-offs to loans | 0.8317% | 2,749 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 0.4600% | 5,653 |
| Efficiency ratio | 96.4832% | 1,294 |
| Assets per employee ($millions) | 3.0610% | 6,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2465% | 637 |
| Loan loss allowance to noncurrent loans | 800.0000% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 7,085 |
| Noncurrent loans to loans | 0.4058% | 6,469 |
| Net loans and leases to total assets | 37.3865% | 7,466 |
| Net loans and leases to deposits | 43.7361% | 7,525 |
| Net loans and leases to core deposits | 53.6169% | 7,482 |
| Total domestic deposits to total assets | 85.4819% | 3,303 |
| Equity capital to assets | 14.2372% | 1,098 |
| Core capital (leverage) ratio | 13.9376% | 993 |
| Tier 1 risk-based capital ratio | 27.8645% | 658 |
| Total risk-based capital ratio | 29.1304% | 636 |
| Memoranda: | ||
| Average total assets | $15,324,200 | 7,888 |
| Average earning assets | $14,044,200 | 7,867 |
| Average equity | $2,176,600 | 7,808 |
| Average total loans | $6,011,600 | 7,858 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8503% | 2,663 |
| Cost of funding earning assets | 1.6198% | 5,312 |
| Net interest margin | 4.2305% | 1,940 |
| Noninterest income to average assets | 0.3566% | 5,640 |
| Noninterest expense to average assets | 3.9489% | 1,352 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2262% | 5,073 |
| Return on assets (ROA) | 0.2262% | 5,153 |
| Pretax return on assets | 0.2697% | 5,135 |
| Return on Equity (ROE) | 1.5933% | 5,300 |
| Retained earnings to average equity (ytd only) | 1.5933% | 4,419 |
| Net charge-offs to loans | 0.3313% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 2.0665% | 4,275 |
| Efficiency ratio | 93.6082% | 1,424 |
| Assets per employee ($millions) | 3.0840% | 5,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5342% | 404 |
| Loan loss allowance to noncurrent loans | 5,675.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 7,523 |
| Noncurrent loans to loans | 0.0623% | 7,347 |
| Net loans and leases to total assets | 40.1816% | 7,459 |
| Net loans and leases to deposits | 47.1681% | 7,535 |
| Net loans and leases to core deposits | 57.6051% | 7,485 |
| Total domestic deposits to total assets | 85.1881% | 3,130 |
| Equity capital to assets | 14.1829% | 1,243 |
| Core capital (leverage) ratio | 14.1645% | 1,053 |
| Tier 1 risk-based capital ratio | 26.7261% | 770 |
| Total risk-based capital ratio | 27.9971% | 743 |
| Memoranda: | ||
| Average total assets | $15,329,000 | 7,968 |
| Average earning assets | $13,993,250 | 7,951 |
| Average equity | $2,176,000 | 7,885 |
| Average total loans | $6,036,000 | 7,936 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9341% | 2,439 |
| Cost of funding earning assets | 1.7642% | 4,934 |
| Net interest margin | 4.1699% | 2,095 |
| Noninterest income to average assets | 0.3399% | 5,796 |
| Noninterest expense to average assets | 3.7389% | 1,761 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2876% | 4,952 |
| Return on assets (ROA) | 0.2876% | 5,055 |
| Pretax return on assets | 0.3399% | 5,101 |
| Return on Equity (ROE) | 2.0255% | 5,291 |
| Retained earnings to average equity (ytd only) | 2.0255% | 4,215 |
| Net charge-offs to loans | 0.5079% | 2,803 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.7333% | 4,253 |
| Efficiency ratio | 91.6667% | 1,663 |
| Assets per employee ($millions) | 3.0490% | 6,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6959% | 321 |
| 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 | 38.7996% | 7,612 |
| Net loans and leases to deposits | 45.6863% | 7,646 |
| Net loans and leases to core deposits | 55.7020% | 7,607 |
| Total domestic deposits to total assets | 84.9262% | 3,299 |
| Equity capital to assets | 14.3194% | 1,220 |
| Core capital (leverage) ratio | 14.3562% | 1,054 |
| Tier 1 risk-based capital ratio | 27.6539% | 738 |
| Total risk-based capital ratio | 28.9207% | 719 |
| Memoranda: | ||
| Average total assets | $15,298,670 | 8,058 |
| Average earning assets | $13,717,330 | 8,046 |
| Average equity | $2,172,330 | 7,966 |
| Average total loans | $5,907,000 | 8,030 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9185% | 2,710 |
| Cost of funding earning assets | 1.9631% | 4,318 |
| Net interest margin | 3.9555% | 2,832 |
| Noninterest income to average assets | 0.2871% | 6,142 |
| Noninterest expense to average assets | 3.4974% | 2,106 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3132% | 5,250 |
| Return on assets (ROA) | 0.3132% | 5,422 |
| Pretax return on assets | 0.3132% | 5,647 |
| Return on Equity (ROE) | 2.2150% | 5,696 |
| Retained earnings to average equity (ytd only) | 2.2150% | 4,639 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7808% | 1,587 |
| Assets per employee ($millions) | 3.0394% | 6,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2146% | 182 |
| 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 | 36.1914% | 7,724 |
| Net loans and leases to deposits | 42.4776% | 7,771 |
| Net loans and leases to core deposits | 51.1533% | 7,752 |
| Total domestic deposits to total assets | 85.2010% | 3,102 |
| Equity capital to assets | 14.2989% | 1,280 |
| Core capital (leverage) ratio | 14.3319% | 1,125 |
| Tier 1 risk-based capital ratio | 28.9117% | 695 |
| Total risk-based capital ratio | 30.1889% | 676 |
| Memoranda: | ||
| Average total assets | $15,325,500 | 8,109 |
| Average earning assets | $13,652,000 | 8,099 |
| Average equity | $2,167,000 | 8,019 |
| Average total loans | $5,789,500 | 8,088 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1479% | 4,786 |
| Cost of funding earning assets | 2.2961% | 5,170 |
| Net interest margin | 3.8518% | 3,788 |
| Noninterest income to average assets | 0.4018% | 5,455 |
| Noninterest expense to average assets | 3.8014% | 1,751 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1850% | 5,891 |
| Return on assets (ROA) | 0.1850% | 5,718 |
| Pretax return on assets | 0.2169% | 5,693 |
| Return on Equity (ROE) | 1.3482% | 5,817 |
| Retained earnings to average equity (ytd only) | 1.3482% | 4,412 |
| Net charge-offs to loans | 0.0333% | 6,356 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,800 |
| Efficiency ratio | 94.6032% | 1,241 |
| Assets per employee ($millions) | 3.0908% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1460% | 167 |
| Loan loss allowance to noncurrent loans | 1,152.3810% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 7,032 |
| Noncurrent loans to loans | 0.3598% | 6,288 |
| Net loans and leases to total assets | 36.2042% | 7,823 |
| Net loans and leases to deposits | 42.2583% | 7,891 |
| Net loans and leases to core deposits | 51.1753% | 7,861 |
| Total domestic deposits to total assets | 85.6736% | 2,548 |
| Equity capital to assets | 13.9834% | 1,429 |
| Core capital (leverage) ratio | 14.0626% | 1,248 |
| Tier 1 risk-based capital ratio | 27.8695% | 767 |
| Total risk-based capital ratio | 29.1462% | 751 |
| Memoranda: | ||
| Average total assets | $15,678,400 | 8,145 |
| Average earning assets | $14,720,400 | 8,112 |
| Average equity | $2,151,000 | 8,087 |
| Average total loans | $6,001,600 | 8,124 |