Home > The First National Bank of Lipan > Performance and Condition Ratios
The First National Bank of Lipan, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6297% | 4,331 |
| Cost of funding earning assets | 0.0721% | 4,492 |
| Net interest margin | 3.5576% | 2,048 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.8374% | 1,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5040% | 3,662 |
| Return on assets (ROA) | 0.5040% | 3,659 |
| Pretax return on assets | 0.6345% | 3,576 |
| Return on Equity (ROE) | 6.4400% | 3,440 |
| Retained earnings to average equity (ytd only) | 6.4438% | 2,079 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.7259% | 795 |
| Assets per employee ($millions) | 4.7823% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 2,762 |
| 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 | 27.5300% | 4,333 |
| Net loans and leases to deposits | 29.9329% | 4,354 |
| Net loans and leases to core deposits | 30.2215% | 4,394 |
| Total domestic deposits to total assets | 91.9700% | 313 |
| Equity capital to assets | 7.9877% | 3,429 |
| Core capital (leverage) ratio | 8.0275% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6764% | 279 |
| Memoranda: | ||
| Average total assets | $28,370,600 | 4,478 |
| Average earning assets | $24,960,600 | 4,447 |
| Average equity | $2,219,200 | 4,477 |
| Average total loans | $8,021,800 | 4,435 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5333% | 4,364 |
| Cost of funding earning assets | 0.0749% | 4,517 |
| Net interest margin | 3.4584% | 2,316 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.7430% | 1,564 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4902% | 3,786 |
| Return on assets (ROA) | 0.4902% | 3,787 |
| Pretax return on assets | 0.6268% | 3,691 |
| Return on Equity (ROE) | 6.3000% | 3,586 |
| Retained earnings to average equity (ytd only) | 6.3000% | 2,538 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.3986% | 770 |
| Assets per employee ($millions) | 4.0643% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 2,655 |
| 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 | 27.0400% | 4,362 |
| Net loans and leases to deposits | 29.3951% | 4,386 |
| Net loans and leases to core deposits | 29.6809% | 4,389 |
| Total domestic deposits to total assets | 91.9900% | 451 |
| Equity capital to assets | 7.9192% | 3,107 |
| Core capital (leverage) ratio | 7.7716% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2339% | 293 |
| Memoranda: | ||
| Average total assets | $28,289,750 | 4,503 |
| Average earning assets | $24,905,000 | 4,477 |
| Average equity | $2,201,000 | 4,499 |
| Average total loans | $8,030,250 | 4,458 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3859% | 4,424 |
| Cost of funding earning assets | 0.0724% | 4,535 |
| Net interest margin | 3.3135% | 2,719 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.5570% | 2,041 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5312% | 3,744 |
| Return on assets (ROA) | 0.5312% | 3,753 |
| Pretax return on assets | 0.6729% | 3,658 |
| Return on Equity (ROE) | 6.8700% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.8692% | 2,329 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.1667% | 895 |
| Assets per employee ($millions) | 4.1771% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,035 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 27.8600% | 4,362 |
| Net loans and leases to deposits | 30.1942% | 4,398 |
| Net loans and leases to core deposits | 30.4777% | 4,402 |
| Total domestic deposits to total assets | 92.2800% | 364 |
| Equity capital to assets | 7.6060% | 3,463 |
| Core capital (leverage) ratio | 7.8865% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2572% | 341 |
| Memoranda: | ||
| Average total assets | $28,236,333 | 4,523 |
| Average earning assets | $24,868,000 | 4,505 |
| Average equity | $2,183,667 | 4,535 |
| Average total loans | $8,113,000 | 4,490 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2906% | 4,441 |
| Cost of funding earning assets | 0.0658% | 4,565 |
| Net interest margin | 3.2248% | 3,056 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.5816% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4183% | 4,059 |
| Return on assets (ROA) | 0.4183% | 4,002 |
| Pretax return on assets | 0.5336% | 3,943 |
| Return on Equity (ROE) | 5.3600% | 3,834 |
| Retained earnings to average equity (ytd only) | 5.3617% | 2,935 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.8704% | 652 |
| Assets per employee ($millions) | 4.6930% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,023 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 28.2600% | 4,400 |
| Net loans and leases to deposits | 30.6427% | 4,433 |
| Net loans and leases to core deposits | 30.9418% | 4,446 |
| Total domestic deposits to total assets | 92.2200% | 466 |
| Equity capital to assets | 7.7349% | 3,421 |
| Core capital (leverage) ratio | 7.7975% | 4,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3297% | 301 |
| Memoranda: | ||
| Average total assets | $27,734,500 | 4,591 |
| Average earning assets | $24,311,500 | 4,571 |
| Average equity | $2,163,500 | 4,599 |
| Average total loans | $8,051,500 | 4,556 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7856% | 4,338 |
| Cost of funding earning assets | 0.0838% | 4,463 |
| Net interest margin | 2.7018% | 4,051 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.3423% | 2,608 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2668% | 4,400 |
| Return on assets (ROA) | 0.2668% | 4,378 |
| Pretax return on assets | 0.3545% | 4,319 |
| Return on Equity (ROE) | 3.4500% | 4,241 |
| Retained earnings to average equity (ytd only) | 3.4538% | 3,575 |
| Net charge-offs to loans | -0.0251% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.8564% | 392 |
| Assets per employee ($millions) | 4.5518% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 2,871 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 29.1800% | 4,405 |
| Net loans and leases to deposits | 31.6706% | 4,439 |
| Net loans and leases to core deposits | 31.9897% | 4,449 |
| Total domestic deposits to total assets | 92.1200% | 609 |
| Equity capital to assets | 7.8686% | 3,142 |
| Core capital (leverage) ratio | 7.8764% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6587% | 314 |
| Memoranda: | ||
| Average total assets | $27,365,800 | 4,624 |
| Average earning assets | $23,872,600 | 4,608 |
| Average equity | $2,113,600 | 4,672 |
| Average total loans | $7,955,600 | 4,587 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6828% | 4,302 |
| Cost of funding earning assets | 0.0838% | 4,391 |
| Net interest margin | 2.5989% | 4,105 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.2255% | 2,861 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2727% | 4,416 |
| Return on assets (ROA) | 0.2727% | 4,372 |
| Pretax return on assets | 0.3701% | 4,302 |
| Return on Equity (ROE) | 3.5500% | 4,220 |
| Retained earnings to average equity (ytd only) | 3.5474% | 3,600 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.7411% | 468 |
| Assets per employee ($millions) | 4.5770% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 3,079 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 28.8400% | 4,447 |
| Net loans and leases to deposits | 31.2858% | 4,479 |
| Net loans and leases to core deposits | 31.5991% | 4,484 |
| Total domestic deposits to total assets | 92.1800% | 825 |
| Equity capital to assets | 7.7635% | 3,045 |
| Core capital (leverage) ratio | 7.6195% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5462% | 328 |
| Memoranda: | ||
| Average total assets | $27,379,500 | 4,658 |
| Average earning assets | $23,855,250 | 4,642 |
| Average equity | $2,104,750 | 4,711 |
| Average total loans | $7,930,250 | 4,621 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5867% | 4,286 |
| Cost of funding earning assets | 0.0840% | 4,334 |
| Net interest margin | 2.5027% | 4,080 |
| Noninterest income to average assets | 0.3364% | 3,142 |
| Noninterest expense to average assets | 2.1717% | 2,938 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2632% | 4,347 |
| Return on assets (ROA) | 0.2632% | 4,303 |
| Pretax return on assets | 0.3437% | 4,234 |
| Return on Equity (ROE) | 3.4357% | 4,148 |
| Retained earnings to average equity (ytd only) | 3.4357% | 3,298 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3372% | 570 |
| Assets per employee ($millions) | 4.7037% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 3,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 26.9754% | 4,539 |
| Net loans and leases to deposits | 29.1798% | 4,567 |
| Net loans and leases to core deposits | 29.1798% | 4,581 |
| Total domestic deposits to total assets | 92.4456% | 671 |
| Equity capital to assets | 7.4835% | 3,493 |
| Core capital (leverage) ratio | 7.5859% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7648% | 299 |
| Memoranda: | ||
| Average total assets | $27,352,000 | 4,695 |
| Average earning assets | $23,814,333 | 4,693 |
| Average equity | $2,095,667 | 4,739 |
| Average total loans | $7,904,667 | 4,687 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6092% | 4,102 |
| Cost of funding earning assets | 0.0858% | 4,294 |
| Net interest margin | 2.5234% | 3,852 |
| Noninterest income to average assets | 0.3418% | 3,046 |
| Noninterest expense to average assets | 2.0953% | 3,158 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3418% | 4,073 |
| Return on assets (ROA) | 0.3418% | 4,039 |
| Pretax return on assets | 0.4310% | 3,982 |
| Return on Equity (ROE) | 4.4072% | 3,778 |
| Retained earnings to average equity (ytd only) | 4.4072% | 2,801 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9412% | 919 |
| Assets per employee ($millions) | 4.5808% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 3,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 28.8230% | 4,481 |
| Net loans and leases to deposits | 31.2197% | 4,517 |
| Net loans and leases to core deposits | 31.2197% | 4,552 |
| Total domestic deposits to total assets | 92.3231% | 467 |
| Equity capital to assets | 7.6369% | 3,836 |
| Core capital (leverage) ratio | 7.8848% | 4,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8682% | 302 |
| Memoranda: | ||
| Average total assets | $26,917,000 | 4,723 |
| Average earning assets | $23,302,000 | 4,718 |
| Average equity | $2,087,500 | 4,767 |
| Average total loans | $8,007,000 | 4,711 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6140% | 4,395 |
| Cost of funding earning assets | 0.0797% | 4,533 |
| Net interest margin | 2.5343% | 4,144 |
| Noninterest income to average assets | 0.3596% | 3,283 |
| Noninterest expense to average assets | 2.4347% | 2,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1274% | 4,603 |
| Return on assets (ROA) | 0.1274% | 4,614 |
| Pretax return on assets | 0.1873% | 4,583 |
| Return on Equity (ROE) | 1.6505% | 4,538 |
| Retained earnings to average equity (ytd only) | 1.6505% | 4,079 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8571% | 251 |
| Assets per employee ($millions) | 4.3915% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 30.0505% | 4,502 |
| Net loans and leases to deposits | 32.6260% | 4,566 |
| Net loans and leases to core deposits | 32.6260% | 4,589 |
| Total domestic deposits to total assets | 92.1060% | 153 |
| Equity capital to assets | 7.8789% | 4,428 |
| Core capital (leverage) ratio | 7.6611% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0544% | 305 |
| Memoranda: | ||
| Average total assets | $26,697,200 | 4,763 |
| Average earning assets | $23,832,800 | 4,754 |
| Average equity | $2,060,000 | 4,812 |
| Average total loans | $7,713,400 | 4,759 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6068% | 4,496 |
| Cost of funding earning assets | 0.0778% | 4,645 |
| Net interest margin | 2.5290% | 4,224 |
| Noninterest income to average assets | 0.3485% | 3,368 |
| Noninterest expense to average assets | 2.4342% | 2,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1045% | 4,697 |
| Return on assets (ROA) | 0.1045% | 4,713 |
| Pretax return on assets | 0.1792% | 4,679 |
| Return on Equity (ROE) | 1.3618% | 4,658 |
| Retained earnings to average equity (ytd only) | 1.3618% | 4,337 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1429% | 249 |
| Assets per employee ($millions) | 4.6917% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 3,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 26.6217% | 4,688 |
| Net loans and leases to deposits | 28.7402% | 4,728 |
| Net loans and leases to core deposits | 28.7402% | 4,748 |
| Total domestic deposits to total assets | 92.6288% | 59 |
| Equity capital to assets | 7.3286% | 4,750 |
| Core capital (leverage) ratio | 7.3600% | 4,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2772% | 362 |
| Memoranda: | ||
| Average total assets | $26,784,250 | 4,837 |
| Average earning assets | $23,988,000 | 4,825 |
| Average equity | $2,056,000 | 4,886 |
| Average total loans | $7,640,500 | 4,829 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6611% | 4,497 |
| Cost of funding earning assets | 0.0842% | 4,673 |
| Net interest margin | 2.5769% | 4,202 |
| Noninterest income to average assets | 0.3494% | 3,365 |
| Noninterest expense to average assets | 2.4536% | 2,299 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1443% | 4,668 |
| Return on assets (ROA) | 0.1443% | 4,692 |
| Pretax return on assets | 0.2203% | 4,661 |
| Return on Equity (ROE) | 1.8503% | 4,611 |
| Retained earnings to average equity (ytd only) | 1.8503% | 4,150 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7614% | 300 |
| Assets per employee ($millions) | 4.6615% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 3,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 26.6295% | 4,734 |
| Net loans and leases to deposits | 28.7612% | 4,776 |
| Net loans and leases to core deposits | 28.7612% | 4,792 |
| Total domestic deposits to total assets | 92.5882% | 64 |
| Equity capital to assets | 7.3689% | 4,775 |
| Core capital (leverage) ratio | 7.6012% | 4,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3451% | 412 |
| Memoranda: | ||
| Average total assets | $26,329,000 | 4,872 |
| Average earning assets | $23,749,333 | 4,863 |
| Average equity | $2,053,667 | 4,921 |
| Average total loans | $7,660,333 | 4,869 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7592% | 4,416 |
| Cost of funding earning assets | 0.0868% | 4,714 |
| Net interest margin | 2.6724% | 4,022 |
| Noninterest income to average assets | 0.3450% | 3,368 |
| Noninterest expense to average assets | 2.4462% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2509% | 4,591 |
| Return on assets (ROA) | 0.2509% | 4,614 |
| Pretax return on assets | 0.3136% | 4,588 |
| Return on Equity (ROE) | 3.1220% | 4,451 |
| Retained earnings to average equity (ytd only) | 3.1220% | 3,743 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6364% | 419 |
| Assets per employee ($millions) | 4.4380% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 28.7630% | 4,730 |
| Net loans and leases to deposits | 31.1887% | 4,780 |
| Net loans and leases to core deposits | 31.1887% | 4,798 |
| Total domestic deposits to total assets | 92.2225% | 104 |
| Equity capital to assets | 7.7287% | 4,622 |
| Core capital (leverage) ratio | 8.1126% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7148% | 425 |
| Memoranda: | ||
| Average total assets | $25,509,000 | 4,907 |
| Average earning assets | $23,050,500 | 4,890 |
| Average equity | $2,050,000 | 4,947 |
| Average total loans | $7,723,000 | 4,895 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9845% | 4,643 |
| Cost of funding earning assets | 0.1117% | 4,838 |
| Net interest margin | 2.8728% | 4,158 |
| Noninterest income to average assets | 0.3731% | 3,249 |
| Noninterest expense to average assets | 2.6482% | 2,391 |
| Loan and lease loss provision to assets | 0.0243% | 4,094 |
| Net operating income to assets | 0.2433% | 4,509 |
| Return on assets (ROA) | 0.2433% | 4,577 |
| Pretax return on assets | 0.3082% | 4,533 |
| Return on Equity (ROE) | 2.9732% | 4,387 |
| Retained earnings to average equity (ytd only) | 2.9732% | 3,371 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8435% | 416 |
| Assets per employee ($millions) | 4.0650% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 3,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 31.2136% | 4,728 |
| Net loans and leases to deposits | 34.0733% | 4,782 |
| Net loans and leases to core deposits | 34.4823% | 4,796 |
| Total domestic deposits to total assets | 91.6072% | 118 |
| Equity capital to assets | 8.3723% | 4,539 |
| Core capital (leverage) ratio | 7.8391% | 4,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4669% | 337 |
| Memoranda: | ||
| Average total assets | $24,658,000 | 4,916 |
| Average earning assets | $22,382,200 | 4,905 |
| Average equity | $2,018,000 | 4,971 |
| Average total loans | $7,157,200 | 4,928 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9863% | 4,744 |
| Cost of funding earning assets | 0.1187% | 4,885 |
| Net interest margin | 2.8675% | 4,235 |
| Noninterest income to average assets | 0.3613% | 3,301 |
| Noninterest expense to average assets | 2.5938% | 2,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2912% | 4,459 |
| Return on assets (ROA) | 0.2912% | 4,509 |
| Pretax return on assets | 0.3721% | 4,463 |
| Return on Equity (ROE) | 3.5784% | 4,276 |
| Retained earnings to average equity (ytd only) | 3.5784% | 3,266 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4545% | 437 |
| Assets per employee ($millions) | 4.5513% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 2,851 |
| 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 | 25.4101% | 4,887 |
| Net loans and leases to deposits | 27.4660% | 4,907 |
| Net loans and leases to core deposits | 27.7849% | 4,912 |
| Total domestic deposits to total assets | 92.5150% | 24 |
| Equity capital to assets | 7.4557% | 4,867 |
| Core capital (leverage) ratio | 7.4206% | 4,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6852% | 374 |
| Memoranda: | ||
| Average total assets | $24,725,000 | 4,942 |
| Average earning assets | $22,457,750 | 4,936 |
| Average equity | $2,012,000 | 5,003 |
| Average total loans | $7,021,500 | 4,966 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1471% | 4,756 |
| Cost of funding earning assets | 0.1203% | 4,941 |
| Net interest margin | 3.0268% | 4,065 |
| Noninterest income to average assets | 0.3855% | 3,171 |
| Noninterest expense to average assets | 2.7238% | 2,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3017% | 4,418 |
| Return on assets (ROA) | 0.3017% | 4,461 |
| Pretax return on assets | 0.4023% | 4,405 |
| Return on Equity (ROE) | 3.5928% | 4,220 |
| Retained earnings to average equity (ytd only) | 3.5928% | 3,127 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1314% | 493 |
| Assets per employee ($millions) | 4.5183% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 2,585 |
| 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 | 24.8912% | 4,921 |
| Net loans and leases to deposits | 26.9048% | 4,944 |
| Net loans and leases to core deposits | 27.2196% | 4,948 |
| Total domestic deposits to total assets | 92.5157% | 25 |
| Equity capital to assets | 7.4437% | 4,892 |
| Core capital (leverage) ratio | 8.0095% | 4,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5226% | 349 |
| Memoranda: | ||
| Average total assets | $23,864,000 | 4,981 |
| Average earning assets | $21,607,333 | 4,972 |
| Average equity | $2,004,000 | 5,034 |
| Average total loans | $7,021,667 | 4,998 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5810% | 4,547 |
| Cost of funding earning assets | 0.1200% | 5,015 |
| Net interest margin | 3.4610% | 3,117 |
| Noninterest income to average assets | 0.4316% | 2,901 |
| Noninterest expense to average assets | 2.8956% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5395% | 3,779 |
| Return on assets (ROA) | 0.5395% | 3,837 |
| Pretax return on assets | 0.6475% | 3,817 |
| Return on Equity (ROE) | 6.0090% | 3,312 |
| Retained earnings to average equity (ytd only) | 6.0090% | 1,868 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7259% | 994 |
| Assets per employee ($millions) | 3.8318% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 3,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 30.7686% | 4,893 |
| Net loans and leases to deposits | 33.7371% | 4,938 |
| Net loans and leases to core deposits | 34.2103% | 4,946 |
| Total domestic deposits to total assets | 91.2009% | 87 |
| Equity capital to assets | 8.7513% | 4,713 |
| Core capital (leverage) ratio | 9.1078% | 4,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6852% | 339 |
| Memoranda: | ||
| Average total assets | $22,241,000 | 5,044 |
| Average earning assets | $19,994,500 | 5,030 |
| Average equity | $1,997,000 | 5,081 |
| Average total loans | $7,118,000 | 5,044 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5760% | 4,801 |
| Cost of funding earning assets | 0.1341% | 5,064 |
| Net interest margin | 3.4419% | 3,618 |
| Noninterest income to average assets | 0.4503% | 3,003 |
| Noninterest expense to average assets | 3.2070% | 1,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3230% | 4,721 |
| Return on assets (ROA) | 0.3230% | 4,748 |
| Pretax return on assets | 0.3958% | 4,714 |
| Return on Equity (ROE) | 3.6217% | 4,547 |
| Retained earnings to average equity (ytd only) | 3.6217% | 3,187 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0152% | 392 |
| Assets per employee ($millions) | 3.5818% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 2,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 32.5718% | 4,924 |
| Net loans and leases to deposits | 35.9048% | 4,976 |
| Net loans and leases to core deposits | 36.4469% | 4,987 |
| Total domestic deposits to total assets | 90.7170% | 162 |
| Equity capital to assets | 9.2225% | 4,555 |
| Core capital (leverage) ratio | 9.3030% | 4,277 |
| Tier 1 risk-based capital ratio | 27.7319% | 578 |
| Total risk-based capital ratio | 28.8653% | 570 |
| Memoranda: | ||
| Average total assets | $21,983,200 | 5,101 |
| Average earning assets | $20,134,400 | 5,088 |
| Average equity | $1,960,400 | 5,141 |
| Average total loans | $7,331,200 | 5,100 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5745% | 4,905 |
| Cost of funding earning assets | 0.1372% | 5,138 |
| Net interest margin | 3.4373% | 3,769 |
| Noninterest income to average assets | 0.4343% | 3,116 |
| Noninterest expense to average assets | 3.0458% | 1,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4946% | 4,528 |
| Return on assets (ROA) | 0.4946% | 4,580 |
| Pretax return on assets | 0.5609% | 4,608 |
| Return on Equity (ROE) | 5.5923% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.5923% | 2,577 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4482% | 583 |
| Assets per employee ($millions) | 3.5693% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 2,807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 32.7092% | 5,006 |
| Net loans and leases to deposits | 36.0934% | 5,064 |
| Net loans and leases to core deposits | 36.6409% | 5,073 |
| Total domestic deposits to total assets | 90.6238% | 149 |
| Equity capital to assets | 9.3061% | 4,591 |
| Core capital (leverage) ratio | 9.3961% | 4,281 |
| Tier 1 risk-based capital ratio | 27.7693% | 588 |
| Total risk-based capital ratio | 28.8979% | 586 |
| Memoranda: | ||
| Average total assets | $22,106,250 | 5,177 |
| Average earning assets | $20,403,250 | 5,164 |
| Average equity | $1,955,000 | 5,219 |
| Average total loans | $7,393,750 | 5,177 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5644% | 4,960 |
| Cost of funding earning assets | 0.1453% | 5,171 |
| Net interest margin | 3.4191% | 3,835 |
| Noninterest income to average assets | 0.4298% | 3,070 |
| Noninterest expense to average assets | 2.9996% | 2,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5283% | 4,464 |
| Return on assets (ROA) | 0.5283% | 4,492 |
| Pretax return on assets | 0.5910% | 4,562 |
| Return on Equity (ROE) | 6.0752% | 4,026 |
| Retained earnings to average equity (ytd only) | 6.0752% | 2,246 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5411% | 687 |
| Assets per employee ($millions) | 3.4700% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 3,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 34.5485% | 5,015 |
| Net loans and leases to deposits | 38.1794% | 5,075 |
| Net loans and leases to core deposits | 38.7763% | 5,098 |
| Total domestic deposits to total assets | 90.4899% | 192 |
| Equity capital to assets | 9.4621% | 4,442 |
| Core capital (leverage) ratio | 9.0621% | 4,583 |
| Tier 1 risk-based capital ratio | 26.8759% | 631 |
| Total risk-based capital ratio | 27.9809% | 633 |
| Memoranda: | ||
| Average total assets | $22,336,330 | 5,220 |
| Average earning assets | $20,648,670 | 5,206 |
| Average equity | $1,942,330 | 5,263 |
| Average total loans | $7,496,330 | 5,223 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4624% | 5,072 |
| Cost of funding earning assets | 0.1481% | 5,212 |
| Net interest margin | 3.3143% | 4,130 |
| Noninterest income to average assets | 0.3637% | 3,421 |
| Noninterest expense to average assets | 2.8405% | 2,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6062% | 4,221 |
| Return on assets (ROA) | 0.6062% | 4,261 |
| Pretax return on assets | 0.6235% | 4,471 |
| Return on Equity (ROE) | 7.2595% | 3,566 |
| Retained earnings to average equity (ytd only) | 7.2595% | 1,948 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0000% | 874 |
| Assets per employee ($millions) | 4.7228% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 3,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 31.6507% | 5,123 |
| Net loans and leases to deposits | 34.5108% | 5,164 |
| Net loans and leases to core deposits | 35.5026% | 5,177 |
| Total domestic deposits to total assets | 91.7125% | 76 |
| Equity capital to assets | 8.2409% | 5,109 |
| Core capital (leverage) ratio | 8.4837% | 5,020 |
| Tier 1 risk-based capital ratio | 23.9892% | 840 |
| Total risk-based capital ratio | 24.9877% | 842 |
| Memoranda: | ||
| Average total assets | $23,094,500 | 5,270 |
| Average earning assets | $21,603,500 | 5,254 |
| Average equity | $1,928,500 | 5,319 |
| Average total loans | $7,607,500 | 5,284 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3883% | 5,017 |
| Cost of funding earning assets | 0.1570% | 5,156 |
| Net interest margin | 3.2313% | 4,424 |
| Noninterest income to average assets | 0.4849% | 2,913 |
| Noninterest expense to average assets | 3.0885% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3531% | 4,937 |
| Return on assets (ROA) | 0.3531% | 4,934 |
| Pretax return on assets | 0.4002% | 4,934 |
| Return on Equity (ROE) | 3.9767% | 4,718 |
| Retained earnings to average equity (ytd only) | 3.9767% | 3,387 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5290% | 406 |
| Assets per employee ($millions) | 4.5150% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 33.5725% | 5,130 |
| Net loans and leases to deposits | 36.6968% | 5,183 |
| Net loans and leases to core deposits | 37.8043% | 5,198 |
| Total domestic deposits to total assets | 91.4862% | 120 |
| Equity capital to assets | 8.4651% | 4,951 |
| Core capital (leverage) ratio | 8.7252% | 4,859 |
| Tier 1 risk-based capital ratio | 24.4248% | 784 |
| Total risk-based capital ratio | 25.4601% | 791 |
| Memoranda: | ||
| Average total assets | $21,239,800 | 5,328 |
| Average earning assets | $19,744,400 | 5,315 |
| Average equity | $1,886,000 | 5,366 |
| Average total loans | $7,564,400 | 5,332 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2994% | 5,125 |
| Cost of funding earning assets | 0.1650% | 5,167 |
| Net interest margin | 3.1344% | 4,644 |
| Noninterest income to average assets | 0.4847% | 2,951 |
| Noninterest expense to average assets | 2.7870% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5931% | 4,520 |
| Return on assets (ROA) | 0.5931% | 4,528 |
| Pretax return on assets | 0.6059% | 4,719 |
| Return on Equity (ROE) | 6.5966% | 4,078 |
| Retained earnings to average equity (ytd only) | 6.5966% | 2,339 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1429% | 765 |
| Assets per employee ($millions) | 4.2610% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 3,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 36.1981% | 5,139 |
| Net loans and leases to deposits | 39.8285% | 5,212 |
| Net loans and leases to core deposits | 41.1131% | 5,218 |
| Total domestic deposits to total assets | 90.8848% | 245 |
| Equity capital to assets | 9.0542% | 4,500 |
| Core capital (leverage) ratio | 9.0322% | 4,675 |
| Tier 1 risk-based capital ratio | 24.8071% | 774 |
| Total risk-based capital ratio | 25.8488% | 770 |
| Memoranda: | ||
| Average total assets | $20,906,000 | 5,403 |
| Average earning assets | $19,396,750 | 5,390 |
| Average equity | $1,879,750 | 5,437 |
| Average total loans | $7,540,500 | 5,401 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1320% | 5,276 |
| Cost of funding earning assets | 0.1659% | 5,174 |
| Net interest margin | 2.9661% | 4,922 |
| Noninterest income to average assets | 0.4814% | 2,969 |
| Noninterest expense to average assets | 2.6573% | 3,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5680% | 4,596 |
| Return on assets (ROA) | 0.5680% | 4,591 |
| Pretax return on assets | 0.5777% | 4,768 |
| Return on Equity (ROE) | 6.3327% | 4,130 |
| Retained earnings to average equity (ytd only) | 6.3327% | 2,396 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1429% | 820 |
| Assets per employee ($millions) | 4.2630% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 35.5571% | 5,195 |
| Net loans and leases to deposits | 39.0509% | 5,269 |
| Net loans and leases to core deposits | 40.3031% | 5,273 |
| Total domestic deposits to total assets | 91.0532% | 237 |
| Equity capital to assets | 8.8905% | 4,651 |
| Core capital (leverage) ratio | 9.2169% | 4,446 |
| Tier 1 risk-based capital ratio | 23.7498% | 858 |
| Total risk-based capital ratio | 24.7650% | 854 |
| Memoranda: | ||
| Average total assets | $20,773,000 | 5,470 |
| Average earning assets | $19,284,670 | 5,454 |
| Average equity | $1,863,330 | 5,500 |
| Average total loans | $7,456,330 | 5,464 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9895% | 5,380 |
| Cost of funding earning assets | 0.1684% | 5,170 |
| Net interest margin | 2.8211% | 5,135 |
| Noninterest income to average assets | 0.4878% | 2,881 |
| Noninterest expense to average assets | 2.6339% | 3,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4682% | 4,774 |
| Return on assets (ROA) | 0.4682% | 4,776 |
| Pretax return on assets | 0.4682% | 4,927 |
| Return on Equity (ROE) | 5.1962% | 4,422 |
| Retained earnings to average equity (ytd only) | 5.1962% | 3,080 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9057% | 724 |
| Assets per employee ($millions) | 4.0006% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 36.5395% | 5,191 |
| Net loans and leases to deposits | 40.3099% | 5,254 |
| Net loans and leases to core deposits | 41.6966% | 5,273 |
| Total domestic deposits to total assets | 90.6464% | 430 |
| Equity capital to assets | 9.2936% | 4,271 |
| Core capital (leverage) ratio | 9.1132% | 4,552 |
| Tier 1 risk-based capital ratio | 23.7785% | 856 |
| Total risk-based capital ratio | 24.8145% | 867 |
| Memoranda: | ||
| Average total assets | $20,502,000 | 5,534 |
| Average earning assets | $19,000,000 | 5,522 |
| Average equity | $1,847,500 | 5,559 |
| Average total loans | $7,354,500 | 5,530 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9202% | 5,402 |
| Cost of funding earning assets | 0.1736% | 5,134 |
| Net interest margin | 2.7466% | 5,226 |
| Noninterest income to average assets | 0.4622% | 3,233 |
| Noninterest expense to average assets | 2.8589% | 2,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1429% | 5,207 |
| Return on assets (ROA) | 0.1429% | 5,211 |
| Pretax return on assets | 0.1668% | 5,338 |
| Return on Equity (ROE) | 1.6446% | 5,126 |
| Retained earnings to average equity (ytd only) | 1.6446% | 4,318 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4882% | 280 |
| Assets per employee ($millions) | 4.2002% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 34.4650% | 5,331 |
| Net loans and leases to deposits | 37.7845% | 5,398 |
| Net loans and leases to core deposits | 39.6842% | 5,394 |
| Total domestic deposits to total assets | 91.2147% | 194 |
| Equity capital to assets | 8.7424% | 4,932 |
| Core capital (leverage) ratio | 8.8949% | 4,761 |
| Tier 1 risk-based capital ratio | 22.3902% | 975 |
| Total risk-based capital ratio | 23.3780% | 980 |
| Memoranda: | ||
| Average total assets | $20,986,800 | 5,592 |
| Average earning assets | $19,587,800 | 5,570 |
| Average equity | $1,824,200 | 5,621 |
| Average total loans | $7,490,200 | 5,586 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9327% | 5,463 |
| Cost of funding earning assets | 0.1769% | 5,151 |
| Net interest margin | 2.7558% | 5,276 |
| Noninterest income to average assets | 0.4511% | 3,325 |
| Noninterest expense to average assets | 2.8022% | 2,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1970% | 5,358 |
| Return on assets (ROA) | 0.1970% | 5,370 |
| Pretax return on assets | 0.2224% | 5,366 |
| Return on Equity (ROE) | 2.2693% | 5,267 |
| Retained earnings to average equity (ytd only) | 2.2693% | 4,506 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6471% | 325 |
| Assets per employee ($millions) | 4.0590% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 3,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 36.2355% | 5,335 |
| Net loans and leases to deposits | 39.8677% | 5,423 |
| Net loans and leases to core deposits | 41.9533% | 5,421 |
| Total domestic deposits to total assets | 90.8894% | 211 |
| Equity capital to assets | 9.0515% | 4,869 |
| Core capital (leverage) ratio | 8.9080% | 4,853 |
| Tier 1 risk-based capital ratio | 22.3316% | 1,013 |
| Total risk-based capital ratio | 23.3163% | 1,022 |
| Memoranda: | ||
| Average total assets | $20,983,250 | 5,658 |
| Average earning assets | $19,594,750 | 5,635 |
| Average equity | $1,821,250 | 5,688 |
| Average total loans | $7,533,000 | 5,647 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8974% | 5,511 |
| Cost of funding earning assets | 0.1710% | 5,202 |
| Net interest margin | 2.7264% | 5,336 |
| Noninterest income to average assets | 0.4526% | 3,339 |
| Noninterest expense to average assets | 2.7814% | 2,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1886% | 5,411 |
| Return on assets (ROA) | 0.1886% | 5,418 |
| Pretax return on assets | 0.2263% | 5,410 |
| Return on Equity (ROE) | 2.2026% | 5,306 |
| Retained earnings to average equity (ytd only) | 2.2026% | 4,357 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4765% | 348 |
| Assets per employee ($millions) | 4.2458% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 34.1561% | 5,439 |
| Net loans and leases to deposits | 37.3975% | 5,516 |
| Net loans and leases to core deposits | 39.2519% | 5,519 |
| Total domestic deposits to total assets | 91.3326% | 151 |
| Equity capital to assets | 8.6014% | 5,227 |
| Core capital (leverage) ratio | 8.6368% | 5,101 |
| Tier 1 risk-based capital ratio | 21.6582% | 1,092 |
| Total risk-based capital ratio | 22.6189% | 1,115 |
| Memoranda: | ||
| Average total assets | $21,212,670 | 5,699 |
| Average earning assets | $19,880,000 | 5,681 |
| Average equity | $1,816,000 | 5,738 |
| Average total loans | $7,565,670 | 5,698 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8508% | 5,571 |
| Cost of funding earning assets | 0.1807% | 5,147 |
| Net interest margin | 2.6701% | 5,421 |
| Noninterest income to average assets | 0.4716% | 3,180 |
| Noninterest expense to average assets | 2.7353% | 3,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2075% | 5,384 |
| Return on assets (ROA) | 0.2075% | 5,396 |
| Pretax return on assets | 0.2452% | 5,380 |
| Return on Equity (ROE) | 2.4296% | 5,251 |
| Retained earnings to average equity (ytd only) | 2.4296% | 4,174 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7722% | 464 |
| Assets per employee ($millions) | 2.9906% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 3,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 36.1326% | 5,393 |
| Net loans and leases to deposits | 39.5938% | 5,481 |
| Net loans and leases to core deposits | 41.5833% | 5,481 |
| Total domestic deposits to total assets | 91.2582% | 222 |
| Equity capital to assets | 8.6749% | 5,092 |
| Core capital (leverage) ratio | 8.7388% | 5,011 |
| Tier 1 risk-based capital ratio | 21.3622% | 1,164 |
| Total risk-based capital ratio | 22.3150% | 1,190 |
| Memoranda: | ||
| Average total assets | $21,204,500 | 5,769 |
| Average earning assets | $19,924,500 | 5,749 |
| Average equity | $1,811,000 | 5,805 |
| Average total loans | $7,682,500 | 5,764 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8795% | 5,594 |
| Cost of funding earning assets | 0.1732% | 5,262 |
| Net interest margin | 2.7063% | 5,412 |
| Noninterest income to average assets | 0.4675% | 3,430 |
| Noninterest expense to average assets | 2.7770% | 3,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1851% | 5,445 |
| Return on assets (ROA) | 0.1851% | 5,492 |
| Pretax return on assets | 0.2222% | 5,473 |
| Return on Equity (ROE) | 2.2306% | 5,348 |
| Retained earnings to average equity (ytd only) | 2.2306% | 4,264 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5926% | 440 |
| Assets per employee ($millions) | 3.0679% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 4,018 |
| 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 | 35.5716% | 5,499 |
| Net loans and leases to deposits | 38.8555% | 5,579 |
| Net loans and leases to core deposits | 40.7500% | 5,581 |
| Total domestic deposits to total assets | 91.5483% | 154 |
| Equity capital to assets | 8.4098% | 5,338 |
| Core capital (leverage) ratio | 8.4035% | 5,367 |
| Tier 1 risk-based capital ratio | 20.9707% | 1,210 |
| Total risk-based capital ratio | 21.9113% | 1,233 |
| Memoranda: | ||
| Average total assets | $21,606,000 | 5,822 |
| Average earning assets | $20,211,800 | 5,797 |
| Average equity | $1,793,200 | 5,864 |
| Average total loans | $7,712,200 | 5,818 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8775% | 5,668 |
| Cost of funding earning assets | 0.1782% | 5,279 |
| Net interest margin | 2.6993% | 5,494 |
| Noninterest income to average assets | 0.4559% | 3,515 |
| Noninterest expense to average assets | 2.7296% | 3,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1910% | 5,481 |
| Return on assets (ROA) | 0.1910% | 5,545 |
| Pretax return on assets | 0.2465% | 5,527 |
| Return on Equity (ROE) | 2.3089% | 5,409 |
| Retained earnings to average equity (ytd only) | 2.3089% | 4,538 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7184% | 477 |
| Assets per employee ($millions) | 3.1677% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 4,126 |
| 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 | 34.4367% | 5,604 |
| Net loans and leases to deposits | 37.5086% | 5,691 |
| Net loans and leases to core deposits | 39.2718% | 5,699 |
| Total domestic deposits to total assets | 91.8102% | 87 |
| Equity capital to assets | 8.1357% | 5,694 |
| Core capital (leverage) ratio | 8.4493% | 5,399 |
| Tier 1 risk-based capital ratio | 20.7142% | 1,318 |
| Total risk-based capital ratio | 21.6443% | 1,343 |
| Memoranda: | ||
| Average total assets | $21,638,750 | 5,885 |
| Average earning assets | $20,202,500 | 5,859 |
| Average equity | $1,790,000 | 5,928 |
| Average total loans | $7,710,250 | 5,883 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9116% | 5,726 |
| Cost of funding earning assets | 0.1795% | 5,327 |
| Net interest margin | 2.7321% | 5,532 |
| Noninterest income to average assets | 0.4567% | 3,478 |
| Noninterest expense to average assets | 2.7493% | 3,202 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2050% | 5,514 |
| Return on assets (ROA) | 0.2050% | 5,573 |
| Pretax return on assets | 0.2609% | 5,547 |
| Return on Equity (ROE) | 2.4645% | 5,391 |
| Retained earnings to average equity (ytd only) | 2.4645% | 4,313 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3313% | 527 |
| Assets per employee ($millions) | 3.0697% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 4,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 35.0428% | 5,643 |
| Net loans and leases to deposits | 38.2583% | 5,740 |
| Net loans and leases to core deposits | 40.1193% | 5,740 |
| Total domestic deposits to total assets | 91.5953% | 117 |
| Equity capital to assets | 8.3535% | 5,670 |
| Core capital (leverage) ratio | 8.5366% | 5,334 |
| Tier 1 risk-based capital ratio | 19.5130% | 1,564 |
| Total risk-based capital ratio | 20.3935% | 1,628 |
| Memoranda: | ||
| Average total assets | $21,460,330 | 5,960 |
| Average earning assets | $20,058,000 | 5,936 |
| Average equity | $1,785,330 | 6,004 |
| Average total loans | $7,708,000 | 5,959 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9496% | 5,737 |
| Cost of funding earning assets | 0.1794% | 5,381 |
| Net interest margin | 2.7702% | 5,517 |
| Noninterest income to average assets | 0.4663% | 3,361 |
| Noninterest expense to average assets | 2.7231% | 3,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2984% | 5,312 |
| Return on assets (ROA) | 0.2984% | 5,391 |
| Pretax return on assets | 0.3357% | 5,440 |
| Return on Equity (ROE) | 3.5945% | 5,034 |
| Retained earnings to average equity (ytd only) | 3.5945% | 3,698 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0244% | 744 |
| Assets per employee ($millions) | 3.0354% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 4,384 |
| Loan loss allowance to noncurrent loans | 91.0112% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 3,917 |
| Noncurrent loans to loans | 1.1438% | 2,119 |
| Net loans and leases to total assets | 36.2387% | 5,626 |
| Net loans and leases to deposits | 39.6009% | 5,727 |
| Net loans and leases to core deposits | 41.5498% | 5,730 |
| Total domestic deposits to total assets | 91.5098% | 155 |
| Equity capital to assets | 8.4149% | 5,623 |
| Core capital (leverage) ratio | 8.4735% | 5,416 |
| Tier 1 risk-based capital ratio | 17.1643% | 2,225 |
| Total risk-based capital ratio | 17.9418% | 2,344 |
| Memoranda: | ||
| Average total assets | $21,446,500 | 6,023 |
| Average earning assets | $20,070,500 | 5,996 |
| Average equity | $1,780,500 | 6,064 |
| Average total loans | $7,756,500 | 6,016 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1957% | 5,521 |
| Cost of funding earning assets | 0.1917% | 5,350 |
| Net interest margin | 3.0040% | 5,128 |
| Noninterest income to average assets | 0.8170% | 1,721 |
| Noninterest expense to average assets | 3.1981% | 1,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3587% | 5,183 |
| Return on assets (ROA) | 0.3587% | 5,267 |
| Pretax return on assets | 0.4284% | 5,264 |
| Return on Equity (ROE) | 4.1470% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.1470% | 3,048 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1868% | 821 |
| Assets per employee ($millions) | 3.0921% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 4,337 |
| Loan loss allowance to noncurrent loans | 90.0000% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 0.4158% | 3,936 |
| Noncurrent loans to loans | 1.1640% | 2,032 |
| Net loans and leases to total assets | 35.3477% | 5,730 |
| Net loans and leases to deposits | 38.5189% | 5,821 |
| Net loans and leases to core deposits | 40.3725% | 5,810 |
| Total domestic deposits to total assets | 91.7672% | 134 |
| Equity capital to assets | 8.1913% | 5,766 |
| Core capital (leverage) ratio | 8.4433% | 5,481 |
| Tier 1 risk-based capital ratio | 16.5685% | 2,445 |
| Total risk-based capital ratio | 17.3255% | 2,601 |
| Memoranda: | ||
| Average total assets | $20,074,200 | 6,094 |
| Average earning assets | $18,775,000 | 6,072 |
| Average equity | $1,736,200 | 6,127 |
| Average total loans | $7,992,800 | 6,062 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2496% | 5,508 |
| Cost of funding earning assets | 0.1963% | 5,409 |
| Net interest margin | 3.0533% | 5,068 |
| Noninterest income to average assets | 0.9349% | 1,357 |
| Noninterest expense to average assets | 3.1433% | 2,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5691% | 4,533 |
| Return on assets (ROA) | 0.5691% | 4,617 |
| Pretax return on assets | 0.6368% | 4,877 |
| Return on Equity (ROE) | 6.4852% | 3,921 |
| Retained earnings to average equity (ytd only) | 6.4852% | 1,969 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1541% | 1,246 |
| Assets per employee ($millions) | 2.9121% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 4,682 |
| Loan loss allowance to noncurrent loans | 90.0000% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 4,017 |
| Noncurrent loans to loans | 1.1244% | 2,255 |
| Net loans and leases to total assets | 38.8668% | 5,651 |
| Net loans and leases to deposits | 42.6243% | 5,777 |
| Net loans and leases to core deposits | 44.8235% | 5,768 |
| Total domestic deposits to total assets | 91.1847% | 208 |
| Equity capital to assets | 8.7564% | 5,526 |
| Core capital (leverage) ratio | 8.8793% | 5,141 |
| Tier 1 risk-based capital ratio | 17.7842% | 2,095 |
| Total risk-based capital ratio | 18.5912% | 2,192 |
| Memoranda: | ||
| Average total assets | $19,681,500 | 6,182 |
| Average earning assets | $18,340,250 | 6,162 |
| Average equity | $1,727,000 | 6,214 |
| Average total loans | $8,058,000 | 6,144 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2515% | 5,530 |
| Cost of funding earning assets | 0.1984% | 5,449 |
| Net interest margin | 3.0531% | 5,083 |
| Noninterest income to average assets | 0.5142% | 3,273 |
| Noninterest expense to average assets | 3.1367% | 2,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1543% | 5,802 |
| Return on assets (ROA) | 0.1543% | 5,851 |
| Pretax return on assets | 0.2263% | 5,775 |
| Return on Equity (ROE) | 1.7568% | 5,743 |
| Retained earnings to average equity (ytd only) | 1.7568% | 4,818 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2722% | 555 |
| Assets per employee ($millions) | 2.8001% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 4,862 |
| Loan loss allowance to noncurrent loans | 81.8182% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 3,928 |
| Noncurrent loans to loans | 1.2251% | 2,206 |
| Net loans and leases to total assets | 40.8142% | 5,583 |
| Net loans and leases to deposits | 44.7703% | 5,735 |
| Net loans and leases to core deposits | 47.1726% | 5,718 |
| Total domestic deposits to total assets | 91.1637% | 262 |
| Equity capital to assets | 8.7547% | 5,479 |
| Core capital (leverage) ratio | 8.6860% | 5,338 |
| Tier 1 risk-based capital ratio | 17.8267% | 2,122 |
| Total risk-based capital ratio | 18.6682% | 2,204 |
| Memoranda: | ||
| Average total assets | $19,447,000 | 6,262 |
| Average earning assets | $18,145,670 | 6,241 |
| Average equity | $1,707,670 | 6,291 |
| Average total loans | $8,076,000 | 6,215 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1961% | 5,655 |
| Cost of funding earning assets | 0.1984% | 5,531 |
| Net interest margin | 2.9977% | 5,221 |
| Noninterest income to average assets | 0.5163% | 3,181 |
| Noninterest expense to average assets | 3.1595% | 2,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1033% | 5,869 |
| Return on assets (ROA) | 0.1033% | 5,927 |
| Pretax return on assets | 0.1652% | 5,875 |
| Return on Equity (ROE) | 1.1741% | 5,878 |
| Retained earnings to average equity (ytd only) | 1.1741% | 5,018 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0311% | 542 |
| Assets per employee ($millions) | 2.7821% | 5,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 4,936 |
| Loan loss allowance to noncurrent loans | 81.8182% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5083% | 3,997 |
| Noncurrent loans to loans | 1.2423% | 2,302 |
| Net loans and leases to total assets | 40.5032% | 5,571 |
| Net loans and leases to deposits | 44.4294% | 5,742 |
| Net loans and leases to core deposits | 46.1421% | 5,750 |
| Total domestic deposits to total assets | 91.1630% | 306 |
| Equity capital to assets | 8.7599% | 5,537 |
| Core capital (leverage) ratio | 8.9044% | 5,066 |
| Tier 1 risk-based capital ratio | 15.8153% | 3,007 |
| Total risk-based capital ratio | 16.5662% | 3,183 |
| Memoranda: | ||
| Average total assets | $19,370,000 | 6,332 |
| Average earning assets | $18,147,000 | 6,308 |
| Average equity | $1,703,500 | 6,355 |
| Average total loans | $8,073,500 | 6,283 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3936% | 5,543 |
| Cost of funding earning assets | 0.2755% | 5,047 |
| Net interest margin | 3.1181% | 5,162 |
| Noninterest income to average assets | 0.5281% | 3,303 |
| Noninterest expense to average assets | 3.0975% | 2,523 |
| Loan and lease loss provision to assets | 0.0406% | 3,763 |
| Net operating income to assets | 0.2641% | 5,609 |
| Return on assets (ROA) | 0.2641% | 5,683 |
| Pretax return on assets | 0.2641% | 5,767 |
| Return on Equity (ROE) | 3.0923% | 5,441 |
| Retained earnings to average equity (ytd only) | 3.0923% | 4,039 |
| Net charge-offs to loans | 0.0825% | 3,321 |
| Credit loss provision to net charge-offs | 114.2857% | 2,084 |
| Earnings coverage of net charge-offs (x) | 8.5714% | 2,860 |
| Efficiency ratio | 91.0448% | 778 |
| Assets per employee ($millions) | 2.7521% | 5,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 5,111 |
| Loan loss allowance to noncurrent loans | 80.1980% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 4,050 |
| Noncurrent loans to loans | 1.2350% | 2,387 |
| Net loans and leases to total assets | 42.0296% | 5,614 |
| Net loans and leases to deposits | 46.1262% | 5,790 |
| Net loans and leases to core deposits | 47.9254% | 5,814 |
| Total domestic deposits to total assets | 91.1186% | 332 |
| Equity capital to assets | 8.8295% | 5,452 |
| Core capital (leverage) ratio | 8.7545% | 5,288 |
| Tier 1 risk-based capital ratio | 18.5739% | 1,967 |
| Total risk-based capital ratio | 19.4584% | 2,038 |
| Memoranda: | ||
| Average total assets | $19,693,200 | 6,416 |
| Average earning assets | $18,152,000 | 6,397 |
| Average equity | $1,681,600 | 6,439 |
| Average total loans | $8,482,800 | 6,354 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4116% | 5,573 |
| Cost of funding earning assets | 0.2935% | 4,942 |
| Net interest margin | 3.1182% | 5,203 |
| Noninterest income to average assets | 0.5252% | 3,361 |
| Noninterest expense to average assets | 3.0234% | 2,722 |
| Loan and lease loss provision to assets | 0.0539% | 3,295 |
| Net operating income to assets | 0.3232% | 5,518 |
| Return on assets (ROA) | 0.3232% | 5,589 |
| Pretax return on assets | 0.3097% | 5,755 |
| Return on Equity (ROE) | 3.8169% | 5,246 |
| Retained earnings to average equity (ytd only) | 3.8169% | 3,938 |
| Net charge-offs to loans | 0.1090% | 2,714 |
| Credit loss provision to net charge-offs | 114.2857% | 1,987 |
| Earnings coverage of net charge-offs (x) | 7.7170% | 2,904 |
| Efficiency ratio | 89.2644% | 898 |
| Assets per employee ($millions) | 2.7934% | 5,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9305% | 5,497 |
| Loan loss allowance to noncurrent loans | 72.9730% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 4,149 |
| Noncurrent loans to loans | 1.2751% | 2,510 |
| Net loans and leases to total assets | 44.1035% | 5,516 |
| Net loans and leases to deposits | 48.3300% | 5,749 |
| Net loans and leases to core deposits | 51.1082% | 5,736 |
| Total domestic deposits to total assets | 91.2550% | 290 |
| Equity capital to assets | 8.6785% | 5,659 |
| Core capital (leverage) ratio | 8.6379% | 5,515 |
| Tier 1 risk-based capital ratio | 17.4033% | 2,426 |
| Total risk-based capital ratio | 18.2340% | 2,581 |
| Memoranda: | ||
| Average total assets | $19,800,250 | 6,491 |
| Average earning assets | $18,172,500 | 6,471 |
| Average equity | $1,676,750 | 6,515 |
| Average total loans | $8,559,000 | 6,426 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4033% | 5,613 |
| Cost of funding earning assets | 0.3184% | 4,780 |
| Net interest margin | 3.0849% | 5,302 |
| Noninterest income to average assets | 0.5231% | 3,314 |
| Noninterest expense to average assets | 2.9473% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4527% | 5,000 |
| Return on assets (ROA) | 0.4527% | 5,080 |
| Pretax return on assets | 0.4024% | 5,556 |
| Return on Equity (ROE) | 5.3892% | 4,488 |
| Retained earnings to average equity (ytd only) | 5.3892% | 2,704 |
| Net charge-offs to loans | -0.0235% | 5,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9880% | 1,089 |
| Assets per employee ($millions) | 2.8636% | 5,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 5,599 |
| Loan loss allowance to noncurrent loans | 70.4348% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 4,268 |
| Noncurrent loans to loans | 1.3358% | 2,575 |
| Net loans and leases to total assets | 42.5443% | 5,641 |
| Net loans and leases to deposits | 46.5274% | 5,852 |
| Net loans and leases to core deposits | 49.1103% | 5,845 |
| Total domestic deposits to total assets | 91.4393% | 280 |
| Equity capital to assets | 8.4510% | 5,838 |
| Core capital (leverage) ratio | 8.4032% | 5,738 |
| Tier 1 risk-based capital ratio | 17.3637% | 2,474 |
| Total risk-based capital ratio | 18.1939% | 2,604 |
| Memoranda: | ||
| Average total assets | $19,882,330 | 6,557 |
| Average earning assets | $18,217,670 | 6,535 |
| Average equity | $1,670,000 | 6,578 |
| Average total loans | $8,510,330 | 6,486 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4096% | 5,626 |
| Cost of funding earning assets | 0.3321% | 4,717 |
| Net interest margin | 3.0775% | 5,317 |
| Noninterest income to average assets | 0.5454% | 3,083 |
| Noninterest expense to average assets | 2.9291% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3636% | 5,260 |
| Return on assets (ROA) | 0.3636% | 5,326 |
| Pretax return on assets | 0.4242% | 5,371 |
| Return on Equity (ROE) | 4.3426% | 4,866 |
| Retained earnings to average equity (ytd only) | 4.3426% | 3,522 |
| Net charge-offs to loans | -0.0473% | 5,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3494% | 1,299 |
| Assets per employee ($millions) | 2.9327% | 5,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 5,690 |
| Loan loss allowance to noncurrent loans | 70.4348% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 4,466 |
| Noncurrent loans to loans | 1.3542% | 2,778 |
| Net loans and leases to total assets | 40.9713% | 5,750 |
| Net loans and leases to deposits | 44.6515% | 5,937 |
| Net loans and leases to core deposits | 47.0598% | 5,931 |
| Total domestic deposits to total assets | 91.7580% | 310 |
| Equity capital to assets | 8.1202% | 5,962 |
| Core capital (leverage) ratio | 8.4435% | 5,708 |
| Tier 1 risk-based capital ratio | 17.3465% | 2,536 |
| Total risk-based capital ratio | 18.1894% | 2,670 |
| Memoranda: | ||
| Average total assets | $19,801,000 | 6,625 |
| Average earning assets | $18,066,500 | 6,605 |
| Average equity | $1,658,000 | 6,644 |
| Average total loans | $8,461,000 | 6,561 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8890% | 4,502 |
| Cost of funding earning assets | 0.3865% | 4,786 |
| Net interest margin | 3.5025% | 3,900 |
| Noninterest income to average assets | 0.6406% | 2,861 |
| Noninterest expense to average assets | 3.4934% | 1,672 |
| Loan and lease loss provision to assets | 0.2628% | 1,351 |
| Net operating income to assets | 0.0164% | 6,186 |
| Return on assets (ROA) | 0.0164% | 6,226 |
| Pretax return on assets | 0.0602% | 6,143 |
| Return on Equity (ROE) | 0.1843% | 6,219 |
| Retained earnings to average equity (ytd only) | 0.1843% | 5,767 |
| Net charge-offs to loans | 0.6668% | 973 |
| Credit loss provision to net charge-offs | 81.3559% | 3,009 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,741 |
| Efficiency ratio | 91.5352% | 907 |
| Assets per employee ($millions) | 3.1788% | 5,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 5,762 |
| Loan loss allowance to noncurrent loans | 69.5652% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 4,427 |
| Noncurrent loans to loans | 1.3642% | 2,858 |
| Net loans and leases to total assets | 43.7792% | 5,695 |
| Net loans and leases to deposits | 47.9747% | 5,899 |
| Net loans and leases to core deposits | 50.7877% | 5,888 |
| Total domestic deposits to total assets | 91.2547% | 482 |
| Equity capital to assets | 8.6457% | 5,429 |
| Core capital (leverage) ratio | 8.6444% | 5,488 |
| Tier 1 risk-based capital ratio | 17.2851% | 2,497 |
| Total risk-based capital ratio | 18.1237% | 2,631 |
| Memoranda: | ||
| Average total assets | $18,262,800 | 6,723 |
| Average earning assets | $16,559,400 | 6,709 |
| Average equity | $1,627,800 | 6,744 |
| Average total loans | $8,848,200 | 6,625 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 4,230 |
| Cost of funding earning assets | 0.4342% | 4,459 |
| Net interest margin | 3.5392% | 3,718 |
| Noninterest income to average assets | 0.6570% | 2,844 |
| Noninterest expense to average assets | 3.5732% | 1,449 |
| Loan and lease loss provision to assets | 0.3544% | 897 |
| Net operating income to assets | -0.1403% | 6,423 |
| Return on assets (ROA) | -0.1403% | 6,452 |
| Pretax return on assets | -0.0812% | 6,383 |
| Return on Equity (ROE) | -1.5612% | 6,458 |
| Retained earnings to average equity (ytd only) | -1.5612% | 6,205 |
| Net charge-offs to loans | 0.8786% | 664 |
| Credit loss provision to net charge-offs | 81.3559% | 2,816 |
| Earnings coverage of net charge-offs (x) | 0.6271% | 4,645 |
| Efficiency ratio | 92.8983% | 796 |
| Assets per employee ($millions) | 3.1780% | 5,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 5,974 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 4,554 |
| Noncurrent loans to loans | 1.3966% | 3,077 |
| Net loans and leases to total assets | 44.6402% | 5,668 |
| Net loans and leases to deposits | 48.8774% | 5,915 |
| Net loans and leases to core deposits | 50.6637% | 5,974 |
| Total domestic deposits to total assets | 91.3310% | 407 |
| Equity capital to assets | 8.5274% | 5,711 |
| Core capital (leverage) ratio | 8.8886% | 5,274 |
| Tier 1 risk-based capital ratio | 16.8462% | 2,771 |
| Total risk-based capital ratio | 17.6751% | 2,939 |
| Memoranda: | ||
| Average total assets | $18,060,250 | 6,803 |
| Average earning assets | $16,274,500 | 6,793 |
| Average equity | $1,622,500 | 6,823 |
| Average total loans | $8,952,750 | 6,695 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 3,596 |
| Cost of funding earning assets | 0.4568% | 4,354 |
| Net interest margin | 3.6800% | 3,035 |
| Noninterest income to average assets | 0.6996% | 2,641 |
| Noninterest expense to average assets | 3.6786% | 1,282 |
| Loan and lease loss provision to assets | 0.5416% | 492 |
| Net operating income to assets | -0.3385% | 6,572 |
| Return on assets (ROA) | -0.3385% | 6,602 |
| Pretax return on assets | -0.2482% | 6,525 |
| Return on Equity (ROE) | -3.7007% | 6,606 |
| Retained earnings to average equity (ytd only) | -3.7007% | 6,369 |
| Net charge-offs to loans | 1.2344% | 462 |
| Credit loss provision to net charge-offs | 85.7143% | 2,521 |
| Earnings coverage of net charge-offs (x) | 0.4643% | 4,381 |
| Efficiency ratio | 92.6136% | 852 |
| Assets per employee ($millions) | 3.0207% | 5,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 6,044 |
| Loan loss allowance to noncurrent loans | 66.4000% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 4,497 |
| Noncurrent loans to loans | 1.4024% | 3,189 |
| Net loans and leases to total assets | 48.7199% | 5,258 |
| Net loans and leases to deposits | 53.5801% | 5,549 |
| Net loans and leases to core deposits | 55.6326% | 5,626 |
| Total domestic deposits to total assets | 90.9292% | 571 |
| Equity capital to assets | 8.9108% | 5,312 |
| Core capital (leverage) ratio | 9.1017% | 4,823 |
| Tier 1 risk-based capital ratio | 16.6443% | 2,869 |
| Total risk-based capital ratio | 17.4997% | 3,013 |
| Memoranda: | ||
| Average total assets | $17,724,330 | 6,857 |
| Average earning assets | $15,761,000 | 6,848 |
| Average equity | $1,621,330 | 6,870 |
| Average total loans | $9,073,000 | 6,737 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 2,996 |
| Cost of funding earning assets | 0.4724% | 4,347 |
| Net interest margin | 3.8053% | 2,431 |
| Noninterest income to average assets | 0.5478% | 3,457 |
| Noninterest expense to average assets | 3.7890% | 1,127 |
| Loan and lease loss provision to assets | 0.9130% | 213 |
| Net operating income to assets | -0.9587% | 6,800 |
| Return on assets (ROA) | -0.9587% | 6,813 |
| Pretax return on assets | -0.8445% | 6,763 |
| Return on Equity (ROE) | -10.3416% | 6,811 |
| Retained earnings to average equity (ytd only) | -10.3416% | 6,629 |
| Net charge-offs to loans | 2.4473% | 173 |
| Credit loss provision to net charge-offs | 71.4286% | 2,271 |
| Earnings coverage of net charge-offs (x) | 0.0536% | 3,803 |
| Efficiency ratio | 98.2249% | 627 |
| Assets per employee ($millions) | 2.9418% | 6,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8392% | 6,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 50.2068% | 4,966 |
| Net loans and leases to deposits | 55.3287% | 5,318 |
| Net loans and leases to core deposits | 57.5118% | 5,386 |
| Total domestic deposits to total assets | 90.7427% | 644 |
| Equity capital to assets | 9.0873% | 5,381 |
| Core capital (leverage) ratio | 9.0760% | 4,754 |
| Tier 1 risk-based capital ratio | 16.6269% | 2,936 |
| Total risk-based capital ratio | 17.4044% | 3,134 |
| Memoranda: | ||
| Average total assets | $17,524,500 | 6,931 |
| Average earning assets | $15,242,000 | 6,932 |
| Average equity | $1,624,500 | 6,938 |
| Average total loans | $9,153,000 | 6,805 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6855% | 2,654 |
| Cost of funding earning assets | 0.4892% | 5,293 |
| Net interest margin | 4.1963% | 1,673 |
| Noninterest income to average assets | 0.7093% | 2,678 |
| Noninterest expense to average assets | 3.7754% | 1,295 |
| Loan and lease loss provision to assets | 0.0572% | 5,061 |
| Net operating income to assets | 0.3089% | 5,438 |
| Return on assets (ROA) | 0.3089% | 5,642 |
| Pretax return on assets | 0.3604% | 5,681 |
| Return on Equity (ROE) | 3.3194% | 5,420 |
| Retained earnings to average equity (ytd only) | 3.3194% | 3,888 |
| Net charge-offs to loans | 0.0997% | 4,670 |
| Credit loss provision to net charge-offs | 111.1111% | 2,626 |
| Earnings coverage of net charge-offs (x) | 8.1111% | 2,470 |
| Efficiency ratio | 90.0409% | 1,069 |
| Assets per employee ($millions) | 2.8997% | 6,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 6,061 |
| Loan loss allowance to noncurrent loans | 151.6667% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 5,650 |
| Noncurrent loans to loans | 0.6404% | 4,918 |
| Net loans and leases to total assets | 53.3280% | 4,713 |
| Net loans and leases to deposits | 59.0166% | 5,125 |
| Net loans and leases to core deposits | 61.3909% | 5,221 |
| Total domestic deposits to total assets | 90.3610% | 771 |
| Equity capital to assets | 9.4551% | 4,929 |
| Core capital (leverage) ratio | 9.1884% | 4,602 |
| Tier 1 risk-based capital ratio | 16.8839% | 2,707 |
| Total risk-based capital ratio | 17.8179% | 2,825 |
| Memoranda: | ||
| Average total assets | $17,481,600 | 6,994 |
| Average earning assets | $14,512,800 | 7,000 |
| Average equity | $1,626,800 | 7,012 |
| Average total loans | $9,029,200 | 6,880 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6525% | 3,004 |
| Cost of funding earning assets | 0.4854% | 5,537 |
| Net interest margin | 4.1671% | 1,842 |
| Noninterest income to average assets | 0.6323% | 3,095 |
| Noninterest expense to average assets | 3.5727% | 1,610 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4723% | 4,948 |
| Return on assets (ROA) | 0.4723% | 5,206 |
| Pretax return on assets | 0.5256% | 5,394 |
| Return on Equity (ROE) | 5.0954% | 4,780 |
| Retained earnings to average equity (ytd only) | 5.0954% | 3,300 |
| Net charge-offs to loans | -0.0299% | 6,574 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1747% | 1,284 |
| Assets per employee ($millions) | 2.9465% | 6,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 6,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 53.7078% | 4,794 |
| Net loans and leases to deposits | 59.4143% | 5,270 |
| Net loans and leases to core deposits | 61.7641% | 5,384 |
| Total domestic deposits to total assets | 90.3954% | 634 |
| Equity capital to assets | 9.3557% | 5,400 |
| Core capital (leverage) ratio | 9.3083% | 4,572 |
| Tier 1 risk-based capital ratio | 16.5433% | 2,973 |
| Total risk-based capital ratio | 17.4635% | 3,127 |
| Memoranda: | ||
| Average total assets | $17,502,500 | 7,090 |
| Average earning assets | $14,558,250 | 7,092 |
| Average equity | $1,622,250 | 7,106 |
| Average total loans | $8,944,250 | 6,978 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5897% | 3,412 |
| Cost of funding earning assets | 0.4868% | 5,711 |
| Net interest margin | 4.1029% | 2,077 |
| Noninterest income to average assets | 0.6191% | 3,132 |
| Noninterest expense to average assets | 3.4740% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4701% | 4,954 |
| Return on assets (ROA) | 0.4701% | 5,199 |
| Pretax return on assets | 0.5274% | 5,375 |
| Return on Equity (ROE) | 5.0879% | 4,768 |
| Retained earnings to average equity (ytd only) | 5.0879% | 3,233 |
| Net charge-offs to loans | -0.0458% | 6,640 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8195% | 1,359 |
| Assets per employee ($millions) | 2.9123% | 6,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 6,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 52.6268% | 5,015 |
| Net loans and leases to deposits | 58.2025% | 5,424 |
| Net loans and leases to core deposits | 60.5638% | 5,536 |
| Total domestic deposits to total assets | 90.4201% | 707 |
| Equity capital to assets | 9.3396% | 5,269 |
| Core capital (leverage) ratio | 9.3524% | 4,368 |
| Tier 1 risk-based capital ratio | 16.9189% | 2,707 |
| Total risk-based capital ratio | 17.8727% | 2,802 |
| Memoranda: | ||
| Average total assets | $17,443,670 | 7,152 |
| Average earning assets | $14,380,000 | 7,156 |
| Average equity | $1,611,670 | 7,159 |
| Average total loans | $8,730,000 | 7,046 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5287% | 3,801 |
| Cost of funding earning assets | 0.4782% | 5,956 |
| Net interest margin | 4.0505% | 2,299 |
| Noninterest income to average assets | 0.5967% | 3,249 |
| Noninterest expense to average assets | 3.3508% | 2,142 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4820% | 4,902 |
| Return on assets (ROA) | 0.4820% | 5,102 |
| Pretax return on assets | 0.5508% | 5,279 |
| Return on Equity (ROE) | 5.2451% | 4,670 |
| Retained earnings to average equity (ytd only) | 5.2451% | 3,406 |
| Net charge-offs to loans | -0.0473% | 6,512 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8824% | 1,497 |
| Assets per employee ($millions) | 2.8960% | 6,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 6,011 |
| Loan loss allowance to noncurrent loans | 4,550.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 6,898 |
| Noncurrent loans to loans | 0.0235% | 6,721 |
| Net loans and leases to total assets | 48.4519% | 5,500 |
| Net loans and leases to deposits | 53.5287% | 5,857 |
| Net loans and leases to core deposits | 55.7107% | 5,928 |
| Total domestic deposits to total assets | 90.5157% | 795 |
| Equity capital to assets | 9.2772% | 5,125 |
| Core capital (leverage) ratio | 9.3923% | 4,204 |
| Tier 1 risk-based capital ratio | 17.5370% | 2,465 |
| Total risk-based capital ratio | 18.5270% | 2,538 |
| Memoranda: | ||
| Average total assets | $17,428,500 | 7,214 |
| Average earning assets | $14,220,500 | 7,218 |
| Average equity | $1,601,500 | 7,219 |
| Average total loans | $8,451,000 | 7,118 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 4,223 |
| Cost of funding earning assets | 0.5564% | 6,307 |
| Net interest margin | 4.1487% | 2,235 |
| Noninterest income to average assets | 0.7131% | 2,532 |
| Noninterest expense to average assets | 3.9043% | 1,174 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2513% | 5,420 |
| Return on assets (ROA) | 0.2513% | 5,563 |
| Pretax return on assets | 0.2513% | 5,668 |
| Return on Equity (ROE) | 2.7260% | 5,395 |
| Retained earnings to average equity (ytd only) | 2.7260% | 4,293 |
| Net charge-offs to loans | 0.3307% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.5357% | 4,626 |
| Efficiency ratio | 93.9522% | 925 |
| Assets per employee ($millions) | 2.1851% | 7,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 5,917 |
| Loan loss allowance to noncurrent loans | 4,500.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 6,962 |
| Noncurrent loans to loans | 0.0238% | 6,767 |
| Net loans and leases to total assets | 47.4916% | 5,878 |
| Net loans and leases to deposits | 52.3488% | 6,179 |
| Net loans and leases to core deposits | 54.4643% | 6,266 |
| Total domestic deposits to total assets | 90.7214% | 614 |
| Equity capital to assets | 9.1013% | 5,405 |
| Core capital (leverage) ratio | 9.2301% | 4,426 |
| Tier 1 risk-based capital ratio | 17.4662% | 2,395 |
| Total risk-based capital ratio | 18.4543% | 2,471 |
| Memoranda: | ||
| Average total assets | $17,109,400 | 7,259 |
| Average earning assets | $14,197,200 | 7,260 |
| Average equity | $1,577,400 | 7,278 |
| Average total loans | $8,467,800 | 7,165 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7282% | 4,328 |
| Cost of funding earning assets | 0.5700% | 6,429 |
| Net interest margin | 4.1583% | 2,249 |
| Noninterest income to average assets | 0.7130% | 2,522 |
| Noninterest expense to average assets | 3.8863% | 1,176 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3056% | 5,374 |
| Return on assets (ROA) | 0.3056% | 5,550 |
| Pretax return on assets | 0.3134% | 5,674 |
| Return on Equity (ROE) | 3.3037% | 5,312 |
| Retained earnings to average equity (ytd only) | 3.3037% | 4,369 |
| Net charge-offs to loans | 0.2828% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2.2221% | 4,017 |
| Efficiency ratio | 92.5373% | 995 |
| Assets per employee ($millions) | 2.1503% | 7,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 5,617 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 7,035 |
| Noncurrent loans to loans | 0.0233% | 6,881 |
| Net loans and leases to total assets | 49.3198% | 5,793 |
| Net loans and leases to deposits | 54.4370% | 6,173 |
| Net loans and leases to core deposits | 56.6771% | 6,258 |
| Total domestic deposits to total assets | 90.5999% | 590 |
| Equity capital to assets | 9.2315% | 5,466 |
| Core capital (leverage) ratio | 9.2871% | 4,468 |
| Tier 1 risk-based capital ratio | 17.2328% | 2,555 |
| Total risk-based capital ratio | 18.3180% | 2,577 |
| Memoranda: | ||
| Average total assets | $17,016,500 | 7,336 |
| Average earning assets | $14,268,500 | 7,335 |
| Average equity | $1,574,000 | 7,350 |
| Average total loans | $8,486,750 | 7,234 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6551% | 4,733 |
| Cost of funding earning assets | 0.6411% | 6,269 |
| Net interest margin | 4.0139% | 2,772 |
| Noninterest income to average assets | 0.7668% | 2,172 |
| Noninterest expense to average assets | 3.8102% | 1,334 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4011% | 4,933 |
| Return on assets (ROA) | 0.4011% | 5,093 |
| Pretax return on assets | 0.3539% | 5,532 |
| Return on Equity (ROE) | 4.3331% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.3331% | 3,435 |
| Net charge-offs to loans | 0.4258% | 2,861 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 4,040 |
| Efficiency ratio | 91.5014% | 1,133 |
| Assets per employee ($millions) | 2.1154% | 7,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 5,843 |
| Loan loss allowance to noncurrent loans | 3,333.3333% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 7,071 |
| Noncurrent loans to loans | 0.0338% | 6,897 |
| Net loans and leases to total assets | 51.8998% | 5,576 |
| Net loans and leases to deposits | 57.4202% | 6,009 |
| Net loans and leases to core deposits | 59.7930% | 6,106 |
| Total domestic deposits to total assets | 90.3859% | 768 |
| Equity capital to assets | 9.3541% | 5,065 |
| Core capital (leverage) ratio | 9.5167% | 3,933 |
| Tier 1 risk-based capital ratio | 16.7815% | 2,614 |
| Total risk-based capital ratio | 17.8416% | 2,651 |
| Memoranda: | ||
| Average total assets | $16,954,670 | 7,408 |
| Average earning assets | $14,350,000 | 7,407 |
| Average equity | $1,569,330 | 7,421 |
| Average total loans | $8,454,330 | 7,306 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5974% | 4,956 |
| Cost of funding earning assets | 0.6687% | 6,303 |
| Net interest margin | 3.9287% | 3,007 |
| Noninterest income to average assets | 0.7778% | 2,122 |
| Noninterest expense to average assets | 3.6770% | 1,584 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6364% | 3,826 |
| Return on assets (ROA) | 0.6364% | 3,897 |
| Pretax return on assets | 0.4243% | 5,265 |
| Return on Equity (ROE) | 6.9120% | 3,429 |
| Retained earnings to average equity (ytd only) | 6.9120% | 2,185 |
| Net charge-offs to loans | 0.8738% | 1,513 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,911 |
| Efficiency ratio | 89.6552% | 1,364 |
| Assets per employee ($millions) | 2.0965% | 7,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 5,648 |
| Loan loss allowance to noncurrent loans | 3,333.3333% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 7,146 |
| Noncurrent loans to loans | 0.0359% | 6,967 |
| Net loans and leases to total assets | 49.2010% | 5,938 |
| Net loans and leases to deposits | 54.4543% | 6,257 |
| Net loans and leases to core deposits | 56.7265% | 6,356 |
| Total domestic deposits to total assets | 90.3530% | 931 |
| Equity capital to assets | 9.3966% | 4,578 |
| Core capital (leverage) ratio | 9.1209% | 4,416 |
| Tier 1 risk-based capital ratio | 17.3817% | 2,344 |
| Total risk-based capital ratio | 18.4846% | 2,372 |
| Memoranda: | ||
| Average total assets | $16,970,500 | 7,464 |
| Average earning assets | $14,356,000 | 7,466 |
| Average equity | $1,562,500 | 7,476 |
| Average total loans | $8,240,000 | 7,370 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1835% | 3,682 |
| Cost of funding earning assets | 0.7250% | 6,806 |
| Net interest margin | 4.4585% | 1,326 |
| Noninterest income to average assets | 0.8370% | 2,111 |
| Noninterest expense to average assets | 4.1665% | 942 |
| Loan and lease loss provision to assets | 0.1405% | 5,777 |
| Net operating income to assets | 0.1955% | 5,276 |
| Return on assets (ROA) | 0.1955% | 5,453 |
| Pretax return on assets | 0.2871% | 5,266 |
| Return on Equity (ROE) | 2.0704% | 5,359 |
| Retained earnings to average equity (ytd only) | 2.0704% | 4,429 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6915% | 1,267 |
| Assets per employee ($millions) | 2.1461% | 7,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 4,274 |
| Loan loss allowance to noncurrent loans | 3,933.3333% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 7,200 |
| Noncurrent loans to loans | 0.0369% | 7,034 |
| Net loans and leases to total assets | 46.6539% | 6,503 |
| Net loans and leases to deposits | 51.4022% | 6,789 |
| Net loans and leases to core deposits | 53.4856% | 6,838 |
| Total domestic deposits to total assets | 90.7624% | 713 |
| Equity capital to assets | 9.0221% | 5,108 |
| Core capital (leverage) ratio | 8.9657% | 4,602 |
| Tier 1 risk-based capital ratio | 17.1482% | 2,296 |
| Total risk-based capital ratio | 18.3992% | 2,254 |
| Memoranda: | ||
| Average total assets | $16,368,800 | 7,547 |
| Average earning assets | $13,793,800 | 7,551 |
| Average equity | $1,545,600 | 7,580 |
| Average total loans | $8,188,800 | 7,459 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4047% | 2,858 |
| Cost of funding earning assets | 0.7285% | 6,979 |
| Net interest margin | 4.6762% | 890 |
| Noninterest income to average assets | 0.8659% | 1,928 |
| Noninterest expense to average assets | 4.1396% | 887 |
| Loan and lease loss provision to assets | 0.1897% | 5,149 |
| Net operating income to assets | 0.3629% | 4,919 |
| Return on assets (ROA) | 0.3629% | 5,097 |
| Pretax return on assets | 0.4536% | 5,065 |
| Return on Equity (ROE) | 3.7980% | 4,875 |
| Retained earnings to average equity (ytd only) | 3.7980% | 3,786 |
| Net charge-offs to loans | -0.0650% | 7,498 |
| Credit loss provision to net charge-offs | -575.0000% | 7,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5517% | 1,574 |
| Assets per employee ($millions) | 2.1468% | 7,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 3,789 |
| Loan loss allowance to noncurrent loans | 677.7778% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 7,095 |
| Noncurrent loans to loans | 0.2268% | 6,726 |
| Net loans and leases to total assets | 45.5048% | 6,741 |
| Net loans and leases to deposits | 50.1605% | 7,004 |
| Net loans and leases to core deposits | 52.1974% | 7,041 |
| Total domestic deposits to total assets | 90.7185% | 541 |
| Equity capital to assets | 9.0835% | 5,470 |
| Core capital (leverage) ratio | 8.8220% | 4,967 |
| Tier 1 risk-based capital ratio | 17.5874% | 2,144 |
| Total risk-based capital ratio | 18.8388% | 2,116 |
| Memoranda: | ||
| Average total assets | $16,168,750 | 7,643 |
| Average earning assets | $13,543,500 | 7,652 |
| Average equity | $1,544,750 | 7,681 |
| Average total loans | $8,204,000 | 7,559 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5309% | 2,402 |
| Cost of funding earning assets | 0.7254% | 7,133 |
| Net interest margin | 4.8056% | 657 |
| Noninterest income to average assets | 0.9726% | 1,452 |
| Noninterest expense to average assets | 4.1178% | 901 |
| Loan and lease loss provision to assets | 0.1895% | 4,985 |
| Net operating income to assets | 0.5810% | 3,947 |
| Return on assets (ROA) | 0.5810% | 4,092 |
| Pretax return on assets | 0.6821% | 4,300 |
| Return on Equity (ROE) | 5.9753% | 3,814 |
| Retained earnings to average equity (ytd only) | 5.9753% | 2,340 |
| Net charge-offs to loans | -0.2171% | 7,653 |
| Credit loss provision to net charge-offs | -166.6667% | 6,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5316% | 2,096 |
| Assets per employee ($millions) | 2.1701% | 7,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 3,946 |
| Loan loss allowance to noncurrent loans | 700.0000% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 7,150 |
| Noncurrent loans to loans | 0.2142% | 6,823 |
| Net loans and leases to total assets | 45.0377% | 6,847 |
| Net loans and leases to deposits | 49.6129% | 7,084 |
| Net loans and leases to core deposits | 51.5697% | 7,154 |
| Total domestic deposits to total assets | 90.7782% | 572 |
| Equity capital to assets | 9.0029% | 5,444 |
| Core capital (leverage) ratio | 9.2809% | 4,157 |
| Tier 1 risk-based capital ratio | 17.3802% | 2,141 |
| Total risk-based capital ratio | 18.6256% | 2,101 |
| Memoranda: | ||
| Average total assets | $15,833,670 | 7,715 |
| Average earning assets | $13,234,670 | 7,721 |
| Average equity | $1,539,670 | 7,747 |
| Average total loans | $8,293,000 | 7,616 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8845% | 1,234 |
| Cost of funding earning assets | 0.7675% | 7,183 |
| Net interest margin | 5.1169% | 335 |
| Noninterest income to average assets | 0.8759% | 1,718 |
| Noninterest expense to average assets | 4.2203% | 786 |
| Loan and lease loss provision to assets | 0.2123% | 4,387 |
| Net operating income to assets | 0.5839% | 3,970 |
| Return on assets (ROA) | 0.5839% | 4,115 |
| Pretax return on assets | 0.6901% | 4,267 |
| Return on Equity (ROE) | 5.7592% | 3,985 |
| Retained earnings to average equity (ytd only) | 5.7592% | 2,736 |
| Net charge-offs to loans | 0.2833% | 3,278 |
| Credit loss provision to net charge-offs | 133.3333% | 2,648 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,350 |
| Efficiency ratio | 82.3834% | 2,225 |
| Assets per employee ($millions) | 1.8976% | 7,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 5,716 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.3886% | 6,499 |
| Noncurrent loans to loans | 0.0483% | 7,287 |
| Net loans and leases to total assets | 53.8831% | 6,037 |
| Net loans and leases to deposits | 60.1471% | 6,451 |
| Net loans and leases to core deposits | 62.9134% | 6,533 |
| Total domestic deposits to total assets | 89.5857% | 1,185 |
| Equity capital to assets | 10.1377% | 3,688 |
| Core capital (leverage) ratio | 10.1846% | 2,946 |
| Tier 1 risk-based capital ratio | 17.3467% | 2,125 |
| Total risk-based capital ratio | 18.4288% | 2,158 |
| Memoranda: | ||
| Average total assets | $15,070,000 | 7,831 |
| Average earning assets | $12,507,500 | 7,838 |
| Average equity | $1,528,000 | 7,835 |
| Average total loans | $8,470,500 | 7,706 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4016% | 826 |
| Cost of funding earning assets | 1.0848% | 7,024 |
| Net interest margin | 5.3169% | 236 |
| Noninterest income to average assets | 0.8511% | 2,174 |
| Noninterest expense to average assets | 4.5434% | 763 |
| Loan and lease loss provision to assets | 0.1920% | 5,805 |
| Net operating income to assets | 0.4159% | 4,065 |
| Return on assets (ROA) | 0.4159% | 4,172 |
| Pretax return on assets | 0.5695% | 3,987 |
| Return on Equity (ROE) | 4.3560% | 3,944 |
| Retained earnings to average equity (ytd only) | 4.3560% | 2,190 |
| Net charge-offs to loans | 0.3363% | 4,551 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 3.9667% | 3,124 |
| Efficiency ratio | 85.6454% | 2,155 |
| Assets per employee ($millions) | 1.8699% | 7,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 5,915 |
| Loan loss allowance to noncurrent loans | 730.7692% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 6,570 |
| Noncurrent loans to loans | 0.1500% | 7,056 |
| Net loans and leases to total assets | 57.2899% | 5,777 |
| Net loans and leases to deposits | 63.9409% | 6,267 |
| Net loans and leases to core deposits | 86.4783% | 5,478 |
| Total domestic deposits to total assets | 89.5982% | 1,160 |
| Equity capital to assets | 10.1411% | 3,575 |
| Core capital (leverage) ratio | 9.8982% | 3,199 |
| Tier 1 risk-based capital ratio | 16.8312% | 2,193 |
| Total risk-based capital ratio | 17.8853% | 2,218 |
| Memoranda: | ||
| Average total assets | $15,627,200 | 7,882 |
| Average earning assets | $13,090,400 | 7,896 |
| Average equity | $1,492,200 | 7,931 |
| Average total loans | $8,919,400 | 7,745 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3942% | 936 |
| Cost of funding earning assets | 1.1260% | 7,110 |
| Net interest margin | 5.2682% | 273 |
| Noninterest income to average assets | 0.8273% | 2,301 |
| Noninterest expense to average assets | 4.3981% | 824 |
| Loan and lease loss provision to assets | 0.1942% | 5,440 |
| Net operating income to assets | 0.4980% | 3,994 |
| Return on assets (ROA) | 0.4980% | 4,088 |
| Pretax return on assets | 0.6584% | 3,993 |
| Return on Equity (ROE) | 5.2934% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.2934% | 2,319 |
| Net charge-offs to loans | 0.1039% | 5,636 |
| Credit loss provision to net charge-offs | 328.5714% | 1,253 |
| Earnings coverage of net charge-offs (x) | 14.4330% | 1,601 |
| Efficiency ratio | 83.7621% | 2,322 |
| Assets per employee ($millions) | 1.8931% | 7,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 4,892 |
| Loan loss allowance to noncurrent loans | 853.8462% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 6,625 |
| Noncurrent loans to loans | 0.1454% | 7,115 |
| Net loans and leases to total assets | 58.2833% | 5,845 |
| Net loans and leases to deposits | 64.9378% | 6,410 |
| Net loans and leases to core deposits | 87.1372% | 5,735 |
| Total domestic deposits to total assets | 89.7524% | 865 |
| Equity capital to assets | 9.9703% | 4,123 |
| Core capital (leverage) ratio | 9.8641% | 3,440 |
| Tier 1 risk-based capital ratio | 16.1532% | 2,578 |
| Total risk-based capital ratio | 17.3406% | 2,531 |
| Memoranda: | ||
| Average total assets | $15,794,250 | 7,959 |
| Average earning assets | $13,261,750 | 7,974 |
| Average equity | $1,486,000 | 8,014 |
| Average total loans | $8,983,000 | 7,819 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4319% | 936 |
| Cost of funding earning assets | 1.2237% | 7,038 |
| Net interest margin | 5.2082% | 294 |
| Noninterest income to average assets | 0.8369% | 2,235 |
| Noninterest expense to average assets | 4.2347% | 1,028 |
| Loan and lease loss provision to assets | 0.1874% | 5,159 |
| Net operating income to assets | 0.6621% | 3,419 |
| Return on assets (ROA) | 0.6621% | 3,529 |
| Pretax return on assets | 0.7745% | 3,766 |
| Return on Equity (ROE) | 7.1719% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.1719% | 1,518 |
| Net charge-offs to loans | 0.0445% | 5,844 |
| Credit loss provision to net charge-offs | 750.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 38.5000% | 835 |
| Efficiency ratio | 81.4904% | 2,798 |
| Assets per employee ($millions) | 1.9459% | 7,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 4,843 |
| Loan loss allowance to noncurrent loans | 563.1579% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 6,525 |
| Noncurrent loans to loans | 0.2155% | 6,976 |
| Net loans and leases to total assets | 55.9517% | 6,211 |
| Net loans and leases to deposits | 62.1876% | 6,720 |
| Net loans and leases to core deposits | 83.2298% | 6,142 |
| Total domestic deposits to total assets | 89.9724% | 847 |
| Equity capital to assets | 9.6615% | 4,408 |
| Core capital (leverage) ratio | 9.2914% | 4,176 |
| Tier 1 risk-based capital ratio | 16.2226% | 2,542 |
| Total risk-based capital ratio | 17.3768% | 2,529 |
| Memoranda: | ||
| Average total assets | $16,010,670 | 8,041 |
| Average earning assets | $13,402,000 | 8,059 |
| Average equity | $1,478,000 | 8,099 |
| Average total loans | $8,998,000 | 7,901 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3234% | 1,234 |
| Cost of funding earning assets | 1.3467% | 6,884 |
| Net interest margin | 4.9768% | 423 |
| Noninterest income to average assets | 0.9857% | 1,527 |
| Noninterest expense to average assets | 4.1891% | 952 |
| Loan and lease loss provision to assets | 0.1971% | 4,471 |
| Net operating income to assets | 0.6653% | 3,730 |
| Return on assets (ROA) | 0.6653% | 3,906 |
| Pretax return on assets | 0.7885% | 4,119 |
| Return on Equity (ROE) | 7.3720% | 3,437 |
| Retained earnings to average equity (ytd only) | 7.3720% | 2,068 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 2,682 |
| Assets per employee ($millions) | 2.0778% | 7,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 5,278 |
| Loan loss allowance to noncurrent loans | 47.6636% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 1.2875% | 4,109 |
| Noncurrent loans to loans | 2.3649% | 2,787 |
| Net loans and leases to total assets | 53.8263% | 6,482 |
| Net loans and leases to deposits | 59.3302% | 6,948 |
| Net loans and leases to core deposits | 78.2217% | 6,518 |
| Total domestic deposits to total assets | 90.7231% | 504 |
| Equity capital to assets | 8.8918% | 5,495 |
| Core capital (leverage) ratio | 9.1421% | 4,491 |
| Tier 1 risk-based capital ratio | 15.2923% | 2,945 |
| Total risk-based capital ratio | 16.3476% | 2,958 |
| Memoranda: | ||
| Average total assets | $16,232,500 | 8,083 |
| Average earning assets | $13,663,500 | 8,098 |
| Average equity | $1,465,000 | 8,157 |
| Average total loans | $9,088,500 | 7,947 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6052% | 2,464 |
| Cost of funding earning assets | 2.0018% | 6,412 |
| Net interest margin | 4.6034% | 1,165 |
| Noninterest income to average assets | 0.8249% | 2,385 |
| Noninterest expense to average assets | 4.6019% | 816 |
| Loan and lease loss provision to assets | 0.1488% | 5,453 |
| Net operating income to assets | 0.1675% | 5,942 |
| Return on assets (ROA) | 0.1675% | 5,775 |
| Pretax return on assets | 0.1675% | 5,804 |
| Return on Equity (ROE) | 1.8559% | 5,654 |
| Retained earnings to average equity (ytd only) | 1.8559% | 4,073 |
| Net charge-offs to loans | 0.2268% | 3,972 |
| Credit loss provision to net charge-offs | 114.2857% | 4,724 |
| Earnings coverage of net charge-offs (x) | 2.4286% | 4,862 |
| Efficiency ratio | 93.5687% | 1,299 |
| Assets per employee ($millions) | 1.9804% | 7,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 5,776 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 0.8900% | 4,632 |
| Noncurrent loans to loans | 1.5447% | 3,478 |
| Net loans and leases to total assets | 57.0220% | 6,333 |
| Net loans and leases to deposits | 63.1219% | 6,867 |
| Net loans and leases to core deposits | 83.7567% | 6,310 |
| Total domestic deposits to total assets | 90.3364% | 540 |
| Equity capital to assets | 9.1649% | 5,136 |
| Core capital (leverage) ratio | 8.9047% | 4,879 |
| Tier 1 risk-based capital ratio | 15.1629% | 2,974 |
| Total risk-based capital ratio | 16.1445% | 3,015 |
| Memoranda: | ||
| Average total assets | $16,123,800 | 8,134 |
| Average earning assets | $14,337,200 | 8,126 |
| Average equity | $1,454,800 | 8,225 |
| Average total loans | $9,261,200 | 7,975 |