Home > The Liberty Savings Association, FSA > Performance and Condition Ratios
The Liberty Savings Association, FSA, 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 | 3.3762% | 4,437 |
| Cost of funding earning assets | 0.5839% | 4,092 |
| Net interest margin | 2.7923% | 3,679 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.5473% | 2,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6360% | 3,346 |
| Return on assets (ROA) | 0.6360% | 3,326 |
| Pretax return on assets | 0.6649% | 3,509 |
| Return on Equity (ROE) | 3.0100% | 4,022 |
| Retained earnings to average equity (ytd only) | 3.0051% | 3,269 |
| 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 | 79.3000% | 961 |
| Assets per employee ($millions) | 7.6240% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 3,716 |
| 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 | 34.7800% | 4,192 |
| Net loans and leases to deposits | 44.6568% | 4,083 |
| Net loans and leases to core deposits | 48.7744% | 4,105 |
| Total domestic deposits to total assets | 77.8800% | 3,745 |
| Equity capital to assets | 21.9307% | 242 |
| Core capital (leverage) ratio | 21.3204% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $31,130,800 | 4,457 |
| Average earning assets | $30,655,400 | 4,415 |
| Average equity | $6,588,800 | 4,100 |
| Average total loans | $10,215,000 | 4,409 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2844% | 4,459 |
| Cost of funding earning assets | 0.5323% | 4,090 |
| Net interest margin | 2.7522% | 3,805 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.3948% | 2,524 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8522% | 2,853 |
| Return on assets (ROA) | 0.8522% | 2,835 |
| Pretax return on assets | 0.9076% | 3,085 |
| Return on Equity (ROE) | 4.0600% | 3,970 |
| Retained earnings to average equity (ytd only) | 4.0625% | 3,242 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.5161% | 1,514 |
| Assets per employee ($millions) | 7.8863% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 3,658 |
| 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 | 32.7100% | 4,273 |
| Net loans and leases to deposits | 41.6189% | 4,169 |
| Net loans and leases to core deposits | 46.0095% | 4,127 |
| Total domestic deposits to total assets | 78.6000% | 3,754 |
| Equity capital to assets | 21.2078% | 259 |
| Core capital (leverage) ratio | 21.0616% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $31,289,500 | 4,478 |
| Average earning assets | $30,811,250 | 4,437 |
| Average equity | $6,564,000 | 4,100 |
| Average total loans | $10,093,250 | 4,437 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2676% | 4,472 |
| Cost of funding earning assets | 0.4687% | 4,041 |
| Net interest margin | 2.7990% | 3,822 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 2.4035% | 2,472 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3910% | 4,019 |
| Return on assets (ROA) | 0.3910% | 4,034 |
| Pretax return on assets | 0.4551% | 4,037 |
| Return on Equity (ROE) | 1.8700% | 4,288 |
| Retained earnings to average equity (ytd only) | 1.8706% | 3,750 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.0807% | 589 |
| Assets per employee ($millions) | 7.6970% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 3,581 |
| 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 | 32.2400% | 4,277 |
| Net loans and leases to deposits | 41.0427% | 4,185 |
| Net loans and leases to core deposits | 43.1684% | 4,192 |
| Total domestic deposits to total assets | 78.5600% | 3,779 |
| Equity capital to assets | 21.2778% | 248 |
| Core capital (leverage) ratio | 20.7481% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $31,204,333 | 4,505 |
| Average earning assets | $30,725,667 | 4,467 |
| Average equity | $6,522,000 | 4,131 |
| Average total loans | $9,986,000 | 4,467 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1671% | 4,506 |
| Cost of funding earning assets | 0.4137% | 3,929 |
| Net interest margin | 2.7534% | 4,007 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.3303% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4457% | 4,011 |
| Return on assets (ROA) | 0.4457% | 3,963 |
| Pretax return on assets | 0.5221% | 3,963 |
| Return on Equity (ROE) | 2.1500% | 4,283 |
| Retained earnings to average equity (ytd only) | 2.1514% | 3,675 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.6964% | 723 |
| Assets per employee ($millions) | 7.8345% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 3,665 |
| 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 | 31.5200% | 4,335 |
| Net loans and leases to deposits | 39.8660% | 4,224 |
| Net loans and leases to core deposits | 41.4207% | 4,232 |
| Total domestic deposits to total assets | 79.0700% | 3,892 |
| Equity capital to assets | 20.8214% | 214 |
| Core capital (leverage) ratio | 20.7842% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $31,412,500 | 4,565 |
| Average earning assets | $30,943,000 | 4,529 |
| Average equity | $6,507,500 | 4,185 |
| Average total loans | $9,967,500 | 4,534 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6874% | 4,411 |
| Cost of funding earning assets | 0.3808% | 2,251 |
| Net interest margin | 2.3066% | 4,428 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.3316% | 2,640 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 0.0992% | 4,508 |
| Return on assets (ROA) | 0.1054% | 4,495 |
| Pretax return on assets | 0.1054% | 4,500 |
| Return on Equity (ROE) | 0.5200% | 4,518 |
| Retained earnings to average equity (ytd only) | 0.5239% | 4,267 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 97.1576% | 182 |
| Assets per employee ($millions) | 7.8718% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 3,551 |
| 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 | 31.3300% | 4,359 |
| Net loans and leases to deposits | 39.4916% | 4,261 |
| Net loans and leases to core deposits | 41.4653% | 4,245 |
| Total domestic deposits to total assets | 79.3300% | 3,963 |
| Equity capital to assets | 20.6117% | 209 |
| Core capital (leverage) ratio | 20.2717% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $32,252,000 | 4,594 |
| Average earning assets | $31,778,200 | 4,557 |
| Average equity | $6,489,600 | 4,274 |
| Average total loans | $9,594,600 | 4,568 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5609% | 4,419 |
| Cost of funding earning assets | 0.3795% | 1,444 |
| Net interest margin | 2.1813% | 4,473 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 1.9603% | 3,590 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 0.2556% | 4,426 |
| Return on assets (ROA) | 0.2630% | 4,385 |
| Pretax return on assets | 0.2918% | 4,382 |
| Return on Equity (ROE) | 1.3100% | 4,471 |
| Retained earnings to average equity (ytd only) | 1.3149% | 4,170 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 88.9925% | 353 |
| Assets per employee ($millions) | 8.0855% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 3,595 |
| 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 | 30.1700% | 4,422 |
| Net loans and leases to deposits | 37.8354% | 4,311 |
| Net loans and leases to core deposits | 39.6594% | 4,284 |
| Total domestic deposits to total assets | 79.7400% | 4,122 |
| Equity capital to assets | 20.1595% | 211 |
| Core capital (leverage) ratio | 19.8110% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $32,443,250 | 4,624 |
| Average earning assets | $31,967,500 | 4,589 |
| Average equity | $6,489,500 | 4,317 |
| Average total loans | $9,503,000 | 4,602 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4430% | 4,426 |
| Cost of funding earning assets | 0.3874% | 1,005 |
| Net interest margin | 2.0556% | 4,532 |
| Noninterest income to average assets | 0.0493% | 4,634 |
| Noninterest expense to average assets | 1.8351% | 3,874 |
| Loan and lease loss provision to assets | -0.0616% | 4,541 |
| Net operating income to assets | 0.2722% | 4,335 |
| Return on assets (ROA) | 0.2833% | 4,269 |
| Pretax return on assets | 0.3141% | 4,281 |
| Return on Equity (ROE) | 1.4199% | 4,415 |
| Retained earnings to average equity (ytd only) | 1.4199% | 3,895 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4273% | 477 |
| Assets per employee ($millions) | 6.5304% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 3,680 |
| 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 | 29.6735% | 4,471 |
| Net loans and leases to deposits | 37.0956% | 4,366 |
| Net loans and leases to core deposits | 38.8539% | 4,355 |
| Total domestic deposits to total assets | 79.9920% | 4,230 |
| Equity capital to assets | 19.9130% | 171 |
| Core capital (leverage) ratio | 19.6917% | 206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,477,000 | 4,660 |
| Average earning assets | $32,010,000 | 4,643 |
| Average equity | $6,479,333 | 4,370 |
| Average total loans | $9,386,333 | 4,668 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3423% | 4,423 |
| Cost of funding earning assets | 0.4008% | 866 |
| Net interest margin | 1.9414% | 4,554 |
| Noninterest income to average assets | 0.0617% | 4,630 |
| Noninterest expense to average assets | 1.7907% | 3,957 |
| Loan and lease loss provision to assets | -0.1235% | 4,622 |
| Net operating income to assets | 0.2840% | 4,176 |
| Return on assets (ROA) | 0.2840% | 4,149 |
| Pretax return on assets | 0.3087% | 4,176 |
| Return on Equity (ROE) | 1.4224% | 4,354 |
| Retained earnings to average equity (ytd only) | 1.4224% | 3,714 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6250% | 519 |
| Assets per employee ($millions) | 6.5622% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,429 |
| 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 | 26.8873% | 4,535 |
| Net loans and leases to deposits | 33.5310% | 4,452 |
| Net loans and leases to core deposits | 35.1041% | 4,455 |
| Total domestic deposits to total assets | 80.1865% | 4,272 |
| Equity capital to assets | 19.7464% | 170 |
| Core capital (leverage) ratio | 19.9133% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,389,500 | 4,689 |
| Average earning assets | $31,935,000 | 4,670 |
| Average equity | $6,468,000 | 4,415 |
| Average total loans | $9,187,000 | 4,697 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4499% | 4,516 |
| Cost of funding earning assets | 0.4983% | 938 |
| Net interest margin | 1.9516% | 4,620 |
| Noninterest income to average assets | 0.0506% | 4,724 |
| Noninterest expense to average assets | 2.3537% | 2,644 |
| Loan and lease loss provision to assets | 0.0221% | 2,629 |
| Net operating income to assets | -0.4049% | 4,753 |
| Return on assets (ROA) | -0.4049% | 4,758 |
| Pretax return on assets | -0.4049% | 4,754 |
| Return on Equity (ROE) | -1.9555% | 4,732 |
| Retained earnings to average equity (ytd only) | -1.9555% | 4,624 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.4222% | 68 |
| Assets per employee ($millions) | 5.3280% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,269 |
| 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 | 29.2480% | 4,534 |
| Net loans and leases to deposits | 36.6882% | 4,454 |
| Net loans and leases to core deposits | 38.4900% | 4,440 |
| Total domestic deposits to total assets | 79.7203% | 4,250 |
| Equity capital to assets | 20.1983% | 177 |
| Core capital (leverage) ratio | 20.0859% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,609,200 | 4,734 |
| Average earning assets | $31,103,200 | 4,709 |
| Average equity | $6,545,600 | 4,473 |
| Average total loans | $8,942,200 | 4,745 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4732% | 4,585 |
| Cost of funding earning assets | 0.5118% | 992 |
| Net interest margin | 1.9614% | 4,694 |
| Noninterest income to average assets | 0.0508% | 4,802 |
| Noninterest expense to average assets | 2.1870% | 3,111 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.2073% | 4,798 |
| Return on assets (ROA) | -0.2073% | 4,804 |
| Pretax return on assets | -0.2073% | 4,803 |
| Return on Equity (ROE) | -0.9947% | 4,789 |
| Retained earnings to average equity (ytd only) | -0.9947% | 4,660 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4701% | 99 |
| Assets per employee ($millions) | 5.3143% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,266 |
| 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 | 26.9805% | 4,680 |
| Net loans and leases to deposits | 33.9771% | 4,625 |
| Net loans and leases to core deposits | 35.6527% | 4,619 |
| Total domestic deposits to total assets | 79.4079% | 4,308 |
| Equity capital to assets | 20.4980% | 176 |
| Core capital (leverage) ratio | 20.5969% | 162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,519,500 | 4,806 |
| Average earning assets | $30,998,250 | 4,780 |
| Average equity | $6,567,750 | 4,536 |
| Average total loans | $8,813,750 | 4,814 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5131% | 4,604 |
| Cost of funding earning assets | 0.5182% | 1,104 |
| Net interest margin | 1.9949% | 4,711 |
| Noninterest income to average assets | 0.0510% | 4,841 |
| Noninterest expense to average assets | 2.1021% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0892% | 4,800 |
| Return on assets (ROA) | -0.0892% | 4,806 |
| Pretax return on assets | -0.0892% | 4,802 |
| Return on Equity (ROE) | -0.4256% | 4,798 |
| Retained earnings to average equity (ytd only) | -0.4256% | 4,557 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4304% | 130 |
| Assets per employee ($millions) | 5.2777% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 3,280 |
| 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 | 27.3195% | 4,722 |
| Net loans and leases to deposits | 34.5267% | 4,670 |
| Net loans and leases to core deposits | 36.2421% | 4,665 |
| Total domestic deposits to total assets | 79.1259% | 4,328 |
| Equity capital to assets | 20.7510% | 160 |
| Core capital (leverage) ratio | 20.7163% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,397,333 | 4,839 |
| Average earning assets | $30,878,333 | 4,809 |
| Average equity | $6,578,333 | 4,562 |
| Average total loans | $8,851,000 | 4,849 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6557% | 4,524 |
| Cost of funding earning assets | 0.5468% | 1,120 |
| Net interest margin | 2.1089% | 4,673 |
| Noninterest income to average assets | 0.0768% | 4,778 |
| Noninterest expense to average assets | 2.2263% | 3,021 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0768% | 4,804 |
| Return on assets (ROA) | -0.0768% | 4,806 |
| Pretax return on assets | -0.0768% | 4,807 |
| Return on Equity (ROE) | -0.3646% | 4,794 |
| Retained earnings to average equity (ytd only) | -0.3646% | 4,396 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5714% | 154 |
| Assets per employee ($millions) | 5.2927% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 3,311 |
| 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 | 27.3995% | 4,764 |
| Net loans and leases to deposits | 34.5909% | 4,714 |
| Net loans and leases to core deposits | 36.2965% | 4,713 |
| Total domestic deposits to total assets | 79.2102% | 4,311 |
| Equity capital to assets | 20.7173% | 160 |
| Core capital (leverage) ratio | 21.0508% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,263,000 | 4,863 |
| Average earning assets | $30,726,500 | 4,832 |
| Average equity | $6,582,000 | 4,574 |
| Average total loans | $8,901,500 | 4,873 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0680% | 4,586 |
| Cost of funding earning assets | 0.6539% | 1,966 |
| Net interest margin | 2.4140% | 4,649 |
| Noninterest income to average assets | 0.0896% | 4,770 |
| Noninterest expense to average assets | 2.4472% | 3,000 |
| Loan and lease loss provision to assets | 0.0096% | 4,238 |
| Net operating income to assets | 0.0064% | 4,731 |
| Return on assets (ROA) | 0.0064% | 4,767 |
| Pretax return on assets | 0.0064% | 4,757 |
| Return on Equity (ROE) | 0.0303% | 4,767 |
| Retained earnings to average equity (ytd only) | 0.0303% | 4,507 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3506% | 183 |
| Assets per employee ($millions) | 6.1540% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 3,465 |
| 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 | 28.9373% | 4,777 |
| Net loans and leases to deposits | 36.8558% | 4,724 |
| Net loans and leases to core deposits | 38.7754% | 4,728 |
| Total domestic deposits to total assets | 78.5148% | 4,260 |
| Equity capital to assets | 21.4007% | 151 |
| Core capital (leverage) ratio | 21.0747% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,259,800 | 4,862 |
| Average earning assets | $30,736,800 | 4,831 |
| Average equity | $6,609,600 | 4,573 |
| Average total loans | $8,965,200 | 4,903 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1703% | 4,615 |
| Cost of funding earning assets | 0.6608% | 2,261 |
| Net interest margin | 2.5095% | 4,651 |
| Noninterest income to average assets | 0.0552% | 4,875 |
| Noninterest expense to average assets | 2.2433% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2464% | 4,528 |
| Return on assets (ROA) | 0.2464% | 4,566 |
| Pretax return on assets | 0.2804% | 4,563 |
| Return on Equity (ROE) | 1.1689% | 4,679 |
| Retained earnings to average equity (ytd only) | 1.1689% | 4,192 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8889% | 392 |
| Assets per employee ($millions) | 6.2830% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,121 |
| 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 | 27.0635% | 4,869 |
| Net loans and leases to deposits | 34.3765% | 4,849 |
| Net loans and leases to core deposits | 36.1172% | 4,843 |
| Total domestic deposits to total assets | 78.7267% | 4,098 |
| Equity capital to assets | 21.1396% | 171 |
| Core capital (leverage) ratio | 20.9099% | 168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,382,250 | 4,891 |
| Average earning assets | $30,868,750 | 4,862 |
| Average equity | $6,615,750 | 4,594 |
| Average total loans | $8,955,750 | 4,935 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2740% | 4,671 |
| Cost of funding earning assets | 0.6807% | 2,495 |
| Net interest margin | 2.5932% | 4,660 |
| Noninterest income to average assets | 0.0574% | 4,893 |
| Noninterest expense to average assets | 2.3333% | 3,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2423% | 4,519 |
| Return on assets (ROA) | 0.2423% | 4,560 |
| Pretax return on assets | 0.2741% | 4,565 |
| Return on Equity (ROE) | 1.1502% | 4,664 |
| Retained earnings to average equity (ytd only) | 1.1502% | 4,056 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4866% | 396 |
| Assets per employee ($millions) | 6.3476% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 3,229 |
| 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 | 27.9476% | 4,890 |
| Net loans and leases to deposits | 35.3725% | 4,872 |
| Net loans and leases to core deposits | 37.1301% | 4,868 |
| Total domestic deposits to total assets | 79.0094% | 4,035 |
| Equity capital to assets | 20.8614% | 180 |
| Core capital (leverage) ratio | 20.8266% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,371,333 | 4,919 |
| Average earning assets | $30,849,333 | 4,890 |
| Average equity | $6,607,333 | 4,616 |
| Average total loans | $9,075,000 | 4,967 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3921% | 4,741 |
| Cost of funding earning assets | 0.7176% | 2,857 |
| Net interest margin | 2.6745% | 4,688 |
| Noninterest income to average assets | 0.0898% | 4,864 |
| Noninterest expense to average assets | 2.1675% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4489% | 4,017 |
| Return on assets (ROA) | 0.4489% | 4,069 |
| Pretax return on assets | 0.5515% | 4,031 |
| Return on Equity (ROE) | 2.1211% | 4,418 |
| Retained earnings to average equity (ytd only) | 2.1211% | 3,398 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7170% | 1,167 |
| Assets per employee ($millions) | 6.2572% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,508 |
| 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 | 29.2847% | 4,918 |
| Net loans and leases to deposits | 37.1940% | 4,891 |
| Net loans and leases to core deposits | 38.6599% | 4,895 |
| Total domestic deposits to total assets | 78.7349% | 4,100 |
| Equity capital to assets | 21.1532% | 196 |
| Core capital (leverage) ratio | 21.2306% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,188,000 | 4,959 |
| Average earning assets | $30,659,500 | 4,928 |
| Average equity | $6,600,500 | 4,649 |
| Average total loans | $9,129,500 | 5,007 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4842% | 4,866 |
| Cost of funding earning assets | 0.6358% | 3,481 |
| Net interest margin | 2.8484% | 4,711 |
| Noninterest income to average assets | 0.0627% | 5,007 |
| Noninterest expense to average assets | 2.6823% | 2,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1755% | 4,861 |
| Return on assets (ROA) | 0.1755% | 4,883 |
| Pretax return on assets | 0.1880% | 4,893 |
| Return on Equity (ROE) | 0.8501% | 4,932 |
| Retained earnings to average equity (ytd only) | 0.8501% | 4,433 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4498% | 256 |
| Assets per employee ($millions) | 6.2180% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 3,127 |
| 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 | 28.6427% | 4,986 |
| Net loans and leases to deposits | 36.3811% | 4,972 |
| Net loans and leases to core deposits | 38.8136% | 4,966 |
| Total domestic deposits to total assets | 78.7295% | 4,240 |
| Equity capital to assets | 21.1740% | 205 |
| Core capital (leverage) ratio | 20.8891% | 201 |
| Tier 1 risk-based capital ratio | 83.0558% | 52 |
| Total risk-based capital ratio | 84.2670% | 52 |
| Memoranda: | ||
| Average total assets | $31,913,200 | 5,005 |
| Average earning assets | $31,456,000 | 4,969 |
| Average equity | $6,587,200 | 4,686 |
| Average total loans | $9,020,800 | 5,072 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4868% | 4,967 |
| Cost of funding earning assets | 0.6022% | 3,692 |
| Net interest margin | 2.8846% | 4,774 |
| Noninterest income to average assets | 0.0623% | 5,087 |
| Noninterest expense to average assets | 2.2997% | 3,952 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4898% | 4,538 |
| Return on assets (ROA) | 0.4898% | 4,587 |
| Pretax return on assets | 0.6061% | 4,531 |
| Return on Equity (ROE) | 2.3880% | 4,860 |
| Retained earnings to average equity (ytd only) | 2.3880% | 4,142 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1429% | 998 |
| Assets per employee ($millions) | 6.3426% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 3,168 |
| 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 | 27.9475% | 5,093 |
| Net loans and leases to deposits | 35.4407% | 5,072 |
| Net loans and leases to core deposits | 37.7551% | 5,060 |
| Total domestic deposits to total assets | 78.8573% | 4,211 |
| Equity capital to assets | 20.9536% | 221 |
| Core capital (leverage) ratio | 20.7604% | 213 |
| Tier 1 risk-based capital ratio | 82.8864% | 52 |
| Total risk-based capital ratio | 84.0838% | 51 |
| Memoranda: | ||
| Average total assets | $32,119,000 | 5,077 |
| Average earning assets | $31,661,750 | 5,042 |
| Average equity | $6,588,250 | 4,745 |
| Average total loans | $9,025,750 | 5,151 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5242% | 4,990 |
| Cost of funding earning assets | 0.5727% | 3,782 |
| Net interest margin | 2.9515% | 4,756 |
| Noninterest income to average assets | 0.0620% | 5,129 |
| Noninterest expense to average assets | 2.3687% | 3,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4899% | 4,544 |
| Return on assets (ROA) | 0.4899% | 4,579 |
| Pretax return on assets | 0.6015% | 4,541 |
| Return on Equity (ROE) | 2.4051% | 4,888 |
| Retained earnings to average equity (ytd only) | 2.4051% | 3,981 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7495% | 987 |
| Assets per employee ($millions) | 5.3535% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 3,302 |
| 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 | 27.9879% | 5,123 |
| Net loans and leases to deposits | 35.3117% | 5,120 |
| Net loans and leases to core deposits | 38.0047% | 5,107 |
| Total domestic deposits to total assets | 79.2597% | 4,171 |
| Equity capital to assets | 20.5660% | 227 |
| Core capital (leverage) ratio | 20.0851% | 237 |
| Tier 1 risk-based capital ratio | 81.8587% | 54 |
| Total risk-based capital ratio | 83.0483% | 54 |
| Memoranda: | ||
| Average total assets | $32,254,330 | 5,122 |
| Average earning assets | $31,780,670 | 5,078 |
| Average equity | $6,569,330 | 4,772 |
| Average total loans | $9,048,000 | 5,195 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4537% | 5,077 |
| Cost of funding earning assets | 0.5400% | 3,869 |
| Net interest margin | 2.9137% | 4,864 |
| Noninterest income to average assets | 0.0866% | 5,128 |
| Noninterest expense to average assets | 2.2153% | 4,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5940% | 4,262 |
| Return on assets (ROA) | 0.5940% | 4,294 |
| Pretax return on assets | 0.7426% | 4,191 |
| Return on Equity (ROE) | 2.9309% | 4,801 |
| Retained earnings to average equity (ytd only) | 2.9309% | 3,767 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8954% | 1,624 |
| Assets per employee ($millions) | 6.5036% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 3,239 |
| 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 | 27.0466% | 5,191 |
| Net loans and leases to deposits | 33.9457% | 5,174 |
| Net loans and leases to core deposits | 36.4802% | 5,167 |
| Total domestic deposits to total assets | 79.6759% | 4,226 |
| Equity capital to assets | 20.2196% | 233 |
| Core capital (leverage) ratio | 20.0629% | 234 |
| Tier 1 risk-based capital ratio | 81.1228% | 52 |
| Total risk-based capital ratio | 82.3072% | 52 |
| Memoranda: | ||
| Average total assets | $32,321,000 | 5,174 |
| Average earning assets | $31,850,000 | 5,130 |
| Average equity | $6,551,000 | 4,809 |
| Average total loans | $9,029,000 | 5,255 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3066% | 5,079 |
| Cost of funding earning assets | 0.5020% | 3,339 |
| Net interest margin | 2.8045% | 5,019 |
| Noninterest income to average assets | 0.0702% | 5,229 |
| Noninterest expense to average assets | 2.6319% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1832% | 5,124 |
| Return on assets (ROA) | 0.1832% | 5,119 |
| Pretax return on assets | 0.2015% | 5,117 |
| Return on Equity (ROE) | 0.9189% | 5,167 |
| Retained earnings to average equity (ytd only) | 0.9189% | 4,729 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8879% | 261 |
| Assets per employee ($millions) | 6.4248% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 3,402 |
| 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 | 28.2375% | 5,230 |
| Net loans and leases to deposits | 35.4696% | 5,208 |
| Net loans and leases to core deposits | 38.6247% | 5,179 |
| Total domestic deposits to total assets | 79.6103% | 4,191 |
| Equity capital to assets | 20.3181% | 218 |
| Core capital (leverage) ratio | 20.1531% | 225 |
| Tier 1 risk-based capital ratio | 80.0957% | 54 |
| Total risk-based capital ratio | 81.2738% | 54 |
| Memoranda: | ||
| Average total assets | $32,752,400 | 5,207 |
| Average earning assets | $32,269,200 | 5,164 |
| Average equity | $6,529,200 | 4,822 |
| Average total loans | $9,277,400 | 5,299 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2684% | 5,149 |
| Cost of funding earning assets | 0.4892% | 3,263 |
| Net interest margin | 2.7792% | 5,109 |
| Noninterest income to average assets | 0.0729% | 5,288 |
| Noninterest expense to average assets | 2.1554% | 4,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5186% | 4,719 |
| Return on assets (ROA) | 0.5186% | 4,721 |
| Pretax return on assets | 0.6563% | 4,630 |
| Return on Equity (ROE) | 2.6136% | 5,057 |
| Retained earnings to average equity (ytd only) | 2.6136% | 4,364 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6571% | 1,271 |
| Assets per employee ($millions) | 6.4324% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 3,574 |
| 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 | 28.6145% | 5,298 |
| Net loans and leases to deposits | 36.0803% | 5,271 |
| Net loans and leases to core deposits | 38.7968% | 5,254 |
| Total domestic deposits to total assets | 79.3079% | 4,252 |
| Equity capital to assets | 20.5056% | 212 |
| Core capital (leverage) ratio | 20.2593% | 225 |
| Tier 1 risk-based capital ratio | 81.6718% | 49 |
| Total risk-based capital ratio | 82.8607% | 49 |
| Memoranda: | ||
| Average total assets | $32,909,500 | 5,277 |
| Average earning assets | $32,430,500 | 5,224 |
| Average equity | $6,529,750 | 4,878 |
| Average total loans | $9,305,000 | 5,367 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2073% | 5,217 |
| Cost of funding earning assets | 0.4774% | 3,175 |
| Net interest margin | 2.7299% | 5,192 |
| Noninterest income to average assets | 0.0784% | 5,331 |
| Noninterest expense to average assets | 2.1955% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4584% | 4,843 |
| Return on assets (ROA) | 0.4584% | 4,845 |
| Pretax return on assets | 0.5730% | 4,779 |
| Return on Equity (ROE) | 2.3356% | 5,131 |
| Retained earnings to average equity (ytd only) | 2.3356% | 4,342 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3028% | 1,085 |
| Assets per employee ($millions) | 6.5042% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 3,752 |
| 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 | 28.8583% | 5,349 |
| Net loans and leases to deposits | 36.1936% | 5,321 |
| Net loans and leases to core deposits | 38.3515% | 5,318 |
| Total domestic deposits to total assets | 79.7331% | 4,299 |
| Equity capital to assets | 20.1193% | 222 |
| Core capital (leverage) ratio | 20.0257% | 224 |
| Tier 1 risk-based capital ratio | 77.5421% | 57 |
| Total risk-based capital ratio | 78.6798% | 57 |
| Memoranda: | ||
| Average total assets | $33,158,670 | 5,336 |
| Average earning assets | $32,675,330 | 5,283 |
| Average equity | $6,508,000 | 4,929 |
| Average total loans | $9,307,000 | 5,425 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1399% | 5,284 |
| Cost of funding earning assets | 0.4728% | 3,016 |
| Net interest margin | 2.6671% | 5,277 |
| Noninterest income to average assets | 0.0956% | 5,345 |
| Noninterest expense to average assets | 2.0193% | 4,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5616% | 4,537 |
| Return on assets (ROA) | 0.5616% | 4,540 |
| Pretax return on assets | 0.7050% | 4,429 |
| Return on Equity (ROE) | 2.8965% | 5,042 |
| Retained earnings to average equity (ytd only) | 2.8965% | 4,037 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1228% | 1,885 |
| Assets per employee ($millions) | 6.6010% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 3,723 |
| 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 | 27.6655% | 5,415 |
| Net loans and leases to deposits | 34.5074% | 5,386 |
| Net loans and leases to core deposits | 36.5138% | 5,386 |
| Total domestic deposits to total assets | 80.1727% | 4,385 |
| Equity capital to assets | 19.7364% | 224 |
| Core capital (leverage) ratio | 19.3042% | 241 |
| Tier 1 risk-based capital ratio | 76.9703% | 56 |
| Total risk-based capital ratio | 78.1047% | 56 |
| Memoranda: | ||
| Average total assets | $33,477,500 | 5,386 |
| Average earning assets | $32,994,500 | 5,336 |
| Average equity | $6,490,500 | 4,985 |
| Average total loans | $9,220,000 | 5,488 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8891% | 5,420 |
| Cost of funding earning assets | 0.4563% | 2,711 |
| Net interest margin | 2.4327% | 5,444 |
| Noninterest income to average assets | 0.0701% | 5,486 |
| Noninterest expense to average assets | 2.4475% | 3,945 |
| Loan and lease loss provision to assets | -0.1227% | 5,507 |
| Net operating income to assets | 0.1314% | 5,219 |
| Return on assets (ROA) | 0.1314% | 5,226 |
| Pretax return on assets | 0.1431% | 5,356 |
| Return on Equity (ROE) | 0.6967% | 5,285 |
| Retained earnings to average equity (ytd only) | 0.6967% | 4,761 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1716% | 188 |
| Assets per employee ($millions) | 5.6583% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 3,673 |
| 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 | 26.8542% | 5,490 |
| Net loans and leases to deposits | 33.2010% | 5,474 |
| Net loans and leases to core deposits | 35.4361% | 5,468 |
| Total domestic deposits to total assets | 80.8837% | 4,144 |
| Equity capital to assets | 19.0486% | 248 |
| Core capital (leverage) ratio | 18.7825% | 248 |
| Tier 1 risk-based capital ratio | 75.8326% | 54 |
| Total risk-based capital ratio | 76.9583% | 53 |
| Memoranda: | ||
| Average total assets | $34,238,600 | 5,426 |
| Average earning assets | $33,748,000 | 5,369 |
| Average equity | $6,458,800 | 5,033 |
| Average total loans | $9,317,800 | 5,552 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8698% | 5,492 |
| Cost of funding earning assets | 0.4533% | 2,687 |
| Net interest margin | 2.4165% | 5,514 |
| Noninterest income to average assets | 0.0699% | 5,558 |
| Noninterest expense to average assets | 2.2422% | 4,439 |
| Loan and lease loss provision to assets | -0.1632% | 5,637 |
| Net operating income to assets | 0.3225% | 5,173 |
| Return on assets (ROA) | 0.3225% | 5,200 |
| Pretax return on assets | 0.3730% | 5,229 |
| Return on Equity (ROE) | 1.7139% | 5,344 |
| Retained earnings to average equity (ytd only) | 1.7139% | 4,738 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4422% | 356 |
| Assets per employee ($millions) | 6.8592% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 3,835 |
| 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 | 26.6008% | 5,558 |
| Net loans and leases to deposits | 32.8721% | 5,548 |
| Net loans and leases to core deposits | 34.3927% | 5,546 |
| Total domestic deposits to total assets | 80.9220% | 4,068 |
| Equity capital to assets | 18.9672% | 273 |
| Core capital (leverage) ratio | 18.8748% | 256 |
| Tier 1 risk-based capital ratio | 77.5051% | 54 |
| Total risk-based capital ratio | 78.6489% | 54 |
| Memoranda: | ||
| Average total assets | $34,310,750 | 5,491 |
| Average earning assets | $33,822,500 | 5,427 |
| Average equity | $6,456,750 | 5,084 |
| Average total loans | $9,344,000 | 5,612 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8799% | 5,519 |
| Cost of funding earning assets | 0.4613% | 2,494 |
| Net interest margin | 2.4187% | 5,556 |
| Noninterest income to average assets | 0.0699% | 5,599 |
| Noninterest expense to average assets | 2.4129% | 4,014 |
| Loan and lease loss provision to assets | -0.2448% | 5,718 |
| Net operating income to assets | 0.2564% | 5,310 |
| Return on assets (ROA) | 0.2564% | 5,329 |
| Pretax return on assets | 0.2856% | 5,354 |
| Return on Equity (ROE) | 1.3663% | 5,435 |
| Retained earnings to average equity (ytd only) | 1.3663% | 4,707 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3373% | 212 |
| Assets per employee ($millions) | 6.7856% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 3,957 |
| 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 | 27.1752% | 5,585 |
| Net loans and leases to deposits | 33.6141% | 5,579 |
| Net loans and leases to core deposits | 35.1855% | 5,585 |
| Total domestic deposits to total assets | 80.8447% | 4,223 |
| Equity capital to assets | 19.0580% | 259 |
| Core capital (leverage) ratio | 18.7106% | 260 |
| Tier 1 risk-based capital ratio | 79.7287% | 51 |
| Total risk-based capital ratio | 80.9125% | 50 |
| Memoranda: | ||
| Average total assets | $34,315,670 | 5,532 |
| Average earning assets | $33,820,330 | 5,475 |
| Average equity | $6,440,670 | 5,116 |
| Average total loans | $9,385,670 | 5,658 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8220% | 5,586 |
| Cost of funding earning assets | 0.4468% | 2,553 |
| Net interest margin | 2.3752% | 5,627 |
| Noninterest income to average assets | 0.0695% | 5,677 |
| Noninterest expense to average assets | 2.2602% | 4,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1391% | 5,466 |
| Return on assets (ROA) | 0.1391% | 5,476 |
| Pretax return on assets | 0.1507% | 5,482 |
| Return on Equity (ROE) | 0.7467% | 5,533 |
| Retained earnings to average equity (ytd only) | 0.7467% | 4,733 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7500% | 393 |
| Assets per employee ($millions) | 5.7580% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 1,832 |
| Loan loss allowance to noncurrent loans | 87.8981% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 3,380 |
| Noncurrent loans to loans | 1.6601% | 1,166 |
| Net loans and leases to total assets | 26.9741% | 5,653 |
| Net loans and leases to deposits | 33.1696% | 5,633 |
| Net loans and leases to core deposits | 34.7180% | 5,639 |
| Total domestic deposits to total assets | 81.3216% | 4,339 |
| Equity capital to assets | 18.6234% | 268 |
| Core capital (leverage) ratio | 18.7127% | 248 |
| Tier 1 risk-based capital ratio | 77.4528% | 55 |
| Total risk-based capital ratio | 78.7047% | 53 |
| Memoranda: | ||
| Average total assets | $34,509,500 | 5,588 |
| Average earning assets | $34,018,000 | 5,537 |
| Average equity | $6,428,000 | 5,164 |
| Average total loans | $9,420,500 | 5,722 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8606% | 5,607 |
| Cost of funding earning assets | 0.4658% | 2,392 |
| Net interest margin | 2.3948% | 5,649 |
| Noninterest income to average assets | 0.0762% | 5,708 |
| Noninterest expense to average assets | 2.3270% | 4,497 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1077% | 5,552 |
| Return on assets (ROA) | 0.1213% | 5,566 |
| Pretax return on assets | 0.1269% | 5,567 |
| Return on Equity (ROE) | 0.6704% | 5,607 |
| Retained earnings to average equity (ytd only) | 0.6704% | 5,058 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3757% | 334 |
| Assets per employee ($millions) | 5.7452% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 1,796 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 3,390 |
| Noncurrent loans to loans | 1.7157% | 1,126 |
| Net loans and leases to total assets | 26.8225% | 5,708 |
| Net loans and leases to deposits | 32.9884% | 5,697 |
| Net loans and leases to core deposits | 34.1319% | 5,704 |
| Total domestic deposits to total assets | 81.3089% | 4,257 |
| Equity capital to assets | 18.6302% | 269 |
| Core capital (leverage) ratio | 18.4424% | 258 |
| Tier 1 risk-based capital ratio | 78.6432% | 51 |
| Total risk-based capital ratio | 79.8922% | 51 |
| Memoranda: | ||
| Average total assets | $35,453,200 | 5,628 |
| Average earning assets | $34,992,600 | 5,566 |
| Average equity | $6,414,000 | 5,205 |
| Average total loans | $10,048,200 | 5,766 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8560% | 5,690 |
| Cost of funding earning assets | 0.4691% | 2,372 |
| Net interest margin | 2.3869% | 5,726 |
| Noninterest income to average assets | 0.0784% | 5,768 |
| Noninterest expense to average assets | 2.1438% | 4,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2540% | 5,384 |
| Return on assets (ROA) | 0.2540% | 5,453 |
| Pretax return on assets | 0.2913% | 5,465 |
| Return on Equity (ROE) | 1.4139% | 5,577 |
| Retained earnings to average equity (ytd only) | 1.4139% | 4,946 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0368% | 669 |
| Assets per employee ($millions) | 5.8225% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 2,018 |
| Loan loss allowance to noncurrent loans | 84.1463% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 3,549 |
| Noncurrent loans to loans | 1.7117% | 1,223 |
| Net loans and leases to total assets | 27.0302% | 5,776 |
| Net loans and leases to deposits | 33.1962% | 5,772 |
| Net loans and leases to core deposits | 34.3332% | 5,774 |
| Total domestic deposits to total assets | 81.4255% | 4,127 |
| Equity capital to assets | 18.4543% | 308 |
| Core capital (leverage) ratio | 18.2707% | 280 |
| Tier 1 risk-based capital ratio | 81.6593% | 52 |
| Total risk-based capital ratio | 82.9132% | 53 |
| Memoranda: | ||
| Average total assets | $35,698,750 | 5,680 |
| Average earning assets | $35,246,500 | 5,616 |
| Average equity | $6,412,000 | 5,261 |
| Average total loans | $10,214,250 | 5,826 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8623% | 5,766 |
| Cost of funding earning assets | 0.4733% | 2,334 |
| Net interest margin | 2.3890% | 5,819 |
| Noninterest income to average assets | 0.0779% | 5,845 |
| Noninterest expense to average assets | 2.1361% | 4,982 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2615% | 5,411 |
| Return on assets (ROA) | 0.2615% | 5,481 |
| Pretax return on assets | 0.3004% | 5,499 |
| Return on Equity (ROE) | 1.4687% | 5,617 |
| Retained earnings to average equity (ytd only) | 1.4687% | 4,792 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6712% | 744 |
| Assets per employee ($millions) | 5.9107% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 2,366 |
| Loan loss allowance to noncurrent loans | 82.1429% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 0.4737% | 3,634 |
| Noncurrent loans to loans | 1.6842% | 1,262 |
| Net loans and leases to total assets | 27.7380% | 5,829 |
| Net loans and leases to deposits | 33.9242% | 5,825 |
| Net loans and leases to core deposits | 35.0608% | 5,830 |
| Total domestic deposits to total assets | 81.7646% | 4,069 |
| Equity capital to assets | 18.1198% | 329 |
| Core capital (leverage) ratio | 17.7750% | 311 |
| Tier 1 risk-based capital ratio | 78.0044% | 56 |
| Total risk-based capital ratio | 79.2547% | 55 |
| Memoranda: | ||
| Average total assets | $35,953,330 | 5,742 |
| Average earning assets | $35,496,330 | 5,679 |
| Average equity | $6,400,330 | 5,309 |
| Average total loans | $10,425,330 | 5,894 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8311% | 5,838 |
| Cost of funding earning assets | 0.4812% | 2,264 |
| Net interest margin | 2.3499% | 5,903 |
| Noninterest income to average assets | 0.0774% | 5,883 |
| Noninterest expense to average assets | 2.1880% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1879% | 5,550 |
| Return on assets (ROA) | 0.1879% | 5,605 |
| Pretax return on assets | 0.2100% | 5,632 |
| Return on Equity (ROE) | 1.0646% | 5,680 |
| Retained earnings to average equity (ytd only) | 1.0646% | 4,812 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2442% | 593 |
| Assets per employee ($millions) | 6.0718% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 2,819 |
| Loan loss allowance to noncurrent loans | 80.7018% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 3,721 |
| Noncurrent loans to loans | 1.6321% | 1,403 |
| Net loans and leases to total assets | 28.3797% | 5,864 |
| Net loans and leases to deposits | 34.4518% | 5,861 |
| Net loans and leases to core deposits | 35.5757% | 5,868 |
| Total domestic deposits to total assets | 82.3749% | 4,095 |
| Equity capital to assets | 17.5565% | 371 |
| Core capital (leverage) ratio | 17.6709% | 319 |
| Tier 1 risk-based capital ratio | 73.8312% | 61 |
| Total risk-based capital ratio | 75.0779% | 60 |
| Memoranda: | ||
| Average total assets | $36,198,000 | 5,795 |
| Average earning assets | $35,745,500 | 5,725 |
| Average equity | $6,387,500 | 5,339 |
| Average total loans | $10,650,500 | 5,950 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7869% | 5,886 |
| Cost of funding earning assets | 0.4892% | 2,263 |
| Net interest margin | 2.2977% | 5,946 |
| Noninterest income to average assets | 0.0718% | 5,944 |
| Noninterest expense to average assets | 2.2446% | 4,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0939% | 5,764 |
| Return on assets (ROA) | 0.0939% | 5,805 |
| Pretax return on assets | 0.0966% | 5,807 |
| Return on Equity (ROE) | 0.5343% | 5,834 |
| Retained earnings to average equity (ytd only) | 0.5343% | 5,308 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8726% | 399 |
| Assets per employee ($millions) | 5.9942% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 3,037 |
| Loan loss allowance to noncurrent loans | 78.8571% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 3,686 |
| Noncurrent loans to loans | 1.6168% | 1,418 |
| Net loans and leases to total assets | 29.7122% | 5,900 |
| Net loans and leases to deposits | 36.1649% | 5,882 |
| Net loans and leases to core deposits | 37.4120% | 5,895 |
| Total domestic deposits to total assets | 82.1577% | 4,127 |
| Equity capital to assets | 17.7367% | 336 |
| Core capital (leverage) ratio | 17.6313% | 304 |
| Tier 1 risk-based capital ratio | 73.8738% | 58 |
| Total risk-based capital ratio | 75.1245% | 58 |
| Memoranda: | ||
| Average total assets | $36,221,000 | 5,846 |
| Average earning assets | $35,774,200 | 5,766 |
| Average equity | $6,364,000 | 5,363 |
| Average total loans | $10,760,600 | 6,001 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7639% | 5,984 |
| Cost of funding earning assets | 0.4873% | 2,340 |
| Net interest margin | 2.2766% | 6,046 |
| Noninterest income to average assets | 0.0698% | 6,045 |
| Noninterest expense to average assets | 2.1239% | 5,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1727% | 5,730 |
| Return on assets (ROA) | 0.1727% | 5,786 |
| Pretax return on assets | 0.1948% | 5,797 |
| Return on Equity (ROE) | 0.9853% | 5,860 |
| Retained earnings to average equity (ytd only) | 0.9853% | 5,322 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6006% | 591 |
| Assets per employee ($millions) | 6.0767% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 3,182 |
| Loan loss allowance to noncurrent loans | 77.5281% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 3,862 |
| Noncurrent loans to loans | 1.6569% | 1,478 |
| Net loans and leases to total assets | 29.0867% | 5,998 |
| Net loans and leases to deposits | 35.3123% | 5,994 |
| Net loans and leases to core deposits | 36.5060% | 6,005 |
| Total domestic deposits to total assets | 82.3697% | 4,041 |
| Equity capital to assets | 17.5315% | 385 |
| Core capital (leverage) ratio | 17.4178% | 342 |
| Tier 1 risk-based capital ratio | 74.8565% | 63 |
| Total risk-based capital ratio | 76.1096% | 63 |
| Memoranda: | ||
| Average total assets | $36,285,000 | 5,920 |
| Average earning assets | $35,842,500 | 5,847 |
| Average equity | $6,360,250 | 5,429 |
| Average total loans | $10,744,750 | 6,079 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7160% | 6,072 |
| Cost of funding earning assets | 0.4862% | 2,380 |
| Net interest margin | 2.2298% | 6,135 |
| Noninterest income to average assets | 0.0662% | 6,125 |
| Noninterest expense to average assets | 2.1918% | 5,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0718% | 5,909 |
| Return on assets (ROA) | 0.0718% | 5,950 |
| Pretax return on assets | 0.0773% | 5,953 |
| Return on Equity (ROE) | 0.4095% | 5,978 |
| Retained earnings to average equity (ytd only) | 0.4095% | 5,385 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5937% | 417 |
| Assets per employee ($millions) | 6.0905% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 3,278 |
| Loan loss allowance to noncurrent loans | 76.2431% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 3,966 |
| Noncurrent loans to loans | 1.6963% | 1,524 |
| Net loans and leases to total assets | 28.8208% | 6,073 |
| Net loans and leases to deposits | 34.9320% | 6,064 |
| Net loans and leases to core deposits | 35.7102% | 6,068 |
| Total domestic deposits to total assets | 82.5055% | 4,124 |
| Equity capital to assets | 17.3987% | 386 |
| Core capital (leverage) ratio | 17.4249% | 335 |
| Tier 1 risk-based capital ratio | 70.1921% | 73 |
| Total risk-based capital ratio | 71.4396% | 73 |
| Memoranda: | ||
| Average total assets | $36,226,670 | 5,990 |
| Average earning assets | $35,787,670 | 5,910 |
| Average equity | $6,349,670 | 5,480 |
| Average total loans | $10,745,330 | 6,149 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7269% | 6,112 |
| Cost of funding earning assets | 0.4938% | 2,342 |
| Net interest margin | 2.2331% | 6,189 |
| Noninterest income to average assets | 0.0665% | 6,186 |
| Noninterest expense to average assets | 2.2513% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0111% | 6,006 |
| Return on assets (ROA) | 0.0111% | 6,044 |
| Pretax return on assets | 0.0222% | 6,025 |
| Return on Equity (ROE) | 0.0630% | 6,050 |
| Retained earnings to average equity (ytd only) | 0.0630% | 5,354 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0244% | 394 |
| Assets per employee ($millions) | 5.1730% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 3,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 29.3889% | 6,096 |
| Net loans and leases to deposits | 35.6707% | 6,069 |
| Net loans and leases to core deposits | 36.4727% | 6,086 |
| Total domestic deposits to total assets | 82.3893% | 4,385 |
| Equity capital to assets | 17.5251% | 374 |
| Core capital (leverage) ratio | 17.4178% | 328 |
| Tier 1 risk-based capital ratio | 72.9174% | 76 |
| Total risk-based capital ratio | 74.1698% | 77 |
| Memoranda: | ||
| Average total assets | $36,068,500 | 6,050 |
| Average earning assets | $35,645,000 | 5,973 |
| Average equity | $6,345,500 | 5,523 |
| Average total loans | $10,783,000 | 6,210 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7530% | 6,232 |
| Cost of funding earning assets | 0.5417% | 2,275 |
| Net interest margin | 2.2113% | 6,307 |
| Noninterest income to average assets | 0.0878% | 6,197 |
| Noninterest expense to average assets | 2.2592% | 5,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0137% | 6,073 |
| Return on assets (ROA) | 0.0137% | 6,094 |
| Pretax return on assets | 0.0137% | 6,078 |
| Return on Equity (ROE) | 0.0787% | 6,102 |
| Retained earnings to average equity (ytd only) | 0.0787% | 5,733 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3961% | 380 |
| Assets per employee ($millions) | 5.1323% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 3,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 29.6387% | 6,187 |
| Net loans and leases to deposits | 36.0460% | 6,172 |
| Net loans and leases to core deposits | 36.8851% | 6,184 |
| Total domestic deposits to total assets | 82.2246% | 4,339 |
| Equity capital to assets | 17.6613% | 348 |
| Core capital (leverage) ratio | 17.6613% | 312 |
| Tier 1 risk-based capital ratio | 73.4630% | 65 |
| Total risk-based capital ratio | 74.7134% | 65 |
| Memoranda: | ||
| Average total assets | $36,428,600 | 6,119 |
| Average earning assets | $35,996,800 | 6,033 |
| Average equity | $6,350,200 | 5,557 |
| Average total loans | $10,264,000 | 6,311 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7207% | 6,322 |
| Cost of funding earning assets | 0.5500% | 2,292 |
| Net interest margin | 2.1707% | 6,401 |
| Noninterest income to average assets | 0.0875% | 6,289 |
| Noninterest expense to average assets | 2.1265% | 5,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1058% | 6,022 |
| Return on assets (ROA) | 0.1058% | 6,048 |
| Pretax return on assets | 0.1058% | 6,053 |
| Return on Equity (ROE) | 0.6088% | 6,086 |
| Retained earnings to average equity (ytd only) | 0.6088% | 5,625 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2614% | 531 |
| Assets per employee ($millions) | 5.2083% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 3,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 28.7454% | 6,295 |
| Net loans and leases to deposits | 34.8752% | 6,273 |
| Net loans and leases to core deposits | 35.6717% | 6,286 |
| Total domestic deposits to total assets | 82.4236% | 4,327 |
| Equity capital to assets | 17.4694% | 378 |
| Core capital (leverage) ratio | 17.4694% | 327 |
| Tier 1 risk-based capital ratio | 74.3521% | 64 |
| Total risk-based capital ratio | 75.6012% | 63 |
| Memoranda: | ||
| Average total assets | $36,554,250 | 6,186 |
| Average earning assets | $36,117,000 | 6,107 |
| Average equity | $6,351,500 | 5,612 |
| Average total loans | $10,133,500 | 6,383 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7065% | 6,389 |
| Cost of funding earning assets | 0.5590% | 2,271 |
| Net interest margin | 2.1475% | 6,475 |
| Noninterest income to average assets | 0.0765% | 6,359 |
| Noninterest expense to average assets | 2.1374% | 5,545 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0601% | 6,115 |
| Return on assets (ROA) | 0.0601% | 6,134 |
| Pretax return on assets | 0.0601% | 6,135 |
| Return on Equity (ROE) | 0.3467% | 6,173 |
| Retained earnings to average equity (ytd only) | 0.3467% | 5,594 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2637% | 497 |
| Assets per employee ($millions) | 5.2320% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 3,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 27.7632% | 6,371 |
| Net loans and leases to deposits | 33.6377% | 6,355 |
| Net loans and leases to core deposits | 34.3990% | 6,367 |
| Total domestic deposits to total assets | 82.5360% | 4,466 |
| Equity capital to assets | 17.3411% | 381 |
| Core capital (leverage) ratio | 17.3411% | 343 |
| Tier 1 risk-based capital ratio | 75.5083% | 62 |
| Total risk-based capital ratio | 76.7685% | 61 |
| Memoranda: | ||
| Average total assets | $36,586,330 | 6,248 |
| Average earning assets | $36,135,670 | 6,164 |
| Average equity | $6,345,670 | 5,649 |
| Average total loans | $9,972,000 | 6,451 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7264% | 6,441 |
| Cost of funding earning assets | 0.5763% | 2,187 |
| Net interest margin | 2.1501% | 6,547 |
| Noninterest income to average assets | 0.0656% | 6,441 |
| Noninterest expense to average assets | 2.1330% | 5,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0547% | 6,117 |
| Return on assets (ROA) | 0.0547% | 6,139 |
| Pretax return on assets | 0.0547% | 6,149 |
| Return on Equity (ROE) | 0.3153% | 6,177 |
| Retained earnings to average equity (ytd only) | 0.3153% | 5,444 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5000% | 565 |
| Assets per employee ($millions) | 5.2501% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 3,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 26.4319% | 6,459 |
| Net loans and leases to deposits | 32.0003% | 6,437 |
| Net loans and leases to core deposits | 32.7401% | 6,442 |
| Total domestic deposits to total assets | 82.5991% | 4,753 |
| Equity capital to assets | 17.2676% | 369 |
| Core capital (leverage) ratio | 17.2676% | 342 |
| Tier 1 risk-based capital ratio | 78.1623% | 66 |
| Total risk-based capital ratio | 79.4186% | 66 |
| Memoranda: | ||
| Average total assets | $36,567,500 | 6,314 |
| Average earning assets | $36,091,000 | 6,233 |
| Average equity | $6,343,000 | 5,679 |
| Average total loans | $9,805,000 | 6,526 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8197% | 6,488 |
| Cost of funding earning assets | 0.6447% | 2,254 |
| Net interest margin | 2.1751% | 6,589 |
| Noninterest income to average assets | 0.0747% | 6,468 |
| Noninterest expense to average assets | 2.4158% | 5,033 |
| Loan and lease loss provision to assets | -0.2296% | 6,625 |
| Net operating income to assets | 0.0080% | 6,200 |
| Return on assets (ROA) | 0.0080% | 6,241 |
| Pretax return on assets | 0.0320% | 6,182 |
| Return on Equity (ROE) | 0.0473% | 6,245 |
| Retained earnings to average equity (ytd only) | 0.0473% | 5,825 |
| Net charge-offs to loans | 0.2391% | 2,545 |
| Credit loss provision to net charge-offs | -330.7692% | 6,071 |
| Earnings coverage of net charge-offs (x) | -2.8462% | 5,349 |
| Efficiency ratio | 108.9049% | 288 |
| Assets per employee ($millions) | 5.1977% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 3,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 26.4402% | 6,559 |
| Net loans and leases to deposits | 32.1309% | 6,531 |
| Net loans and leases to core deposits | 32.8821% | 6,536 |
| Total domestic deposits to total assets | 82.2889% | 4,768 |
| Equity capital to assets | 17.4252% | 365 |
| Core capital (leverage) ratio | 17.4252% | 335 |
| Tier 1 risk-based capital ratio | 76.8206% | 66 |
| Total risk-based capital ratio | 78.0807% | 65 |
| Memoranda: | ||
| Average total assets | $37,462,400 | 6,349 |
| Average earning assets | $36,918,400 | 6,259 |
| Average equity | $6,347,200 | 5,730 |
| Average total loans | $10,873,800 | 6,556 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8512% | 6,531 |
| Cost of funding earning assets | 0.6599% | 2,265 |
| Net interest margin | 2.1913% | 6,652 |
| Noninterest income to average assets | 0.0777% | 6,549 |
| Noninterest expense to average assets | 2.3887% | 5,056 |
| Loan and lease loss provision to assets | -0.2650% | 6,758 |
| Net operating income to assets | 0.0777% | 6,173 |
| Return on assets (ROA) | 0.0777% | 6,228 |
| Pretax return on assets | 0.1131% | 6,200 |
| Return on Equity (ROE) | 0.4620% | 6,278 |
| Retained earnings to average equity (ytd only) | 0.4620% | 5,784 |
| Net charge-offs to loans | 0.3228% | 1,926 |
| Credit loss provision to net charge-offs | -277.7778% | 5,956 |
| Earnings coverage of net charge-offs (x) | -1.5925% | 5,053 |
| Efficiency ratio | 106.7930% | 320 |
| Assets per employee ($millions) | 5.3373% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 3,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 26.7338% | 6,634 |
| Net loans and leases to deposits | 32.4549% | 6,604 |
| Net loans and leases to core deposits | 33.1904% | 6,623 |
| Total domestic deposits to total assets | 82.3720% | 4,802 |
| Equity capital to assets | 17.0204% | 420 |
| Core capital (leverage) ratio | 17.0204% | 388 |
| Tier 1 risk-based capital ratio | 72.9997% | 67 |
| Total risk-based capital ratio | 74.2509% | 67 |
| Memoranda: | ||
| Average total assets | $37,732,000 | 6,416 |
| Average earning assets | $37,176,250 | 6,321 |
| Average equity | $6,349,000 | 5,794 |
| Average total loans | $11,152,750 | 6,621 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9233% | 6,515 |
| Cost of funding earning assets | 0.6758% | 2,259 |
| Net interest margin | 2.2475% | 6,659 |
| Noninterest income to average assets | 0.0792% | 6,592 |
| Noninterest expense to average assets | 2.2665% | 5,460 |
| Loan and lease loss provision to assets | -0.1004% | 6,713 |
| Net operating income to assets | 0.0845% | 6,165 |
| Return on assets (ROA) | 0.0845% | 6,247 |
| Pretax return on assets | 0.1268% | 6,189 |
| Return on Equity (ROE) | 0.5043% | 6,307 |
| Retained earnings to average equity (ytd only) | 0.5043% | 5,697 |
| Net charge-offs to loans | 0.4525% | 1,450 |
| Credit loss provision to net charge-offs | -73.0769% | 5,575 |
| Earnings coverage of net charge-offs (x) | 0.1923% | 4,485 |
| Efficiency ratio | 98.8479% | 533 |
| Assets per employee ($millions) | 5.3949% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9155% | 2,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 27.7963% | 6,635 |
| Net loans and leases to deposits | 33.6184% | 6,624 |
| Net loans and leases to core deposits | 34.3668% | 6,641 |
| Total domestic deposits to total assets | 82.6819% | 4,818 |
| Equity capital to assets | 16.8229% | 432 |
| Core capital (leverage) ratio | 16.8229% | 388 |
| Tier 1 risk-based capital ratio | 75.0946% | 64 |
| Total risk-based capital ratio | 76.3593% | 64 |
| Memoranda: | ||
| Average total assets | $37,855,670 | 6,460 |
| Average earning assets | $37,286,670 | 6,364 |
| Average equity | $6,345,670 | 5,838 |
| Average total loans | $11,491,670 | 6,653 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0233% | 6,486 |
| Cost of funding earning assets | 0.6969% | 2,247 |
| Net interest margin | 2.3264% | 6,669 |
| Noninterest income to average assets | 0.0844% | 6,634 |
| Noninterest expense to average assets | 2.2163% | 5,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1055% | 6,132 |
| Return on assets (ROA) | 0.1055% | 6,228 |
| Pretax return on assets | 0.1583% | 6,156 |
| Return on Equity (ROE) | 0.6307% | 6,300 |
| Retained earnings to average equity (ytd only) | 0.6307% | 5,577 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3333% | 887 |
| Assets per employee ($millions) | 5.3781% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1437% | 1,703 |
| 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 | 30.3132% | 6,595 |
| Net loans and leases to deposits | 36.6227% | 6,551 |
| Net loans and leases to core deposits | 38.1723% | 6,558 |
| Total domestic deposits to total assets | 82.7715% | 4,928 |
| Equity capital to assets | 16.8592% | 440 |
| Core capital (leverage) ratio | 16.8592% | 368 |
| Tier 1 risk-based capital ratio | 72.1906% | 73 |
| Total risk-based capital ratio | 73.4645% | 73 |
| Memoranda: | ||
| Average total assets | $37,901,500 | 6,523 |
| Average earning assets | $37,310,500 | 6,424 |
| Average equity | $6,342,000 | 5,902 |
| Average total loans | $11,886,500 | 6,702 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1903% | 6,666 |
| Cost of funding earning assets | 0.7696% | 2,922 |
| Net interest margin | 2.4207% | 6,764 |
| Noninterest income to average assets | 0.1048% | 6,484 |
| Noninterest expense to average assets | 2.2095% | 5,906 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1887% | 5,811 |
| Return on assets (ROA) | 0.1887% | 5,983 |
| Pretax return on assets | 0.2778% | 5,862 |
| Return on Equity (ROE) | 1.1407% | 6,105 |
| Retained earnings to average equity (ytd only) | 1.1407% | 5,303 |
| Net charge-offs to loans | -0.0399% | 6,667 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8303% | 1,163 |
| Assets per employee ($millions) | 5.4509% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0642% | 1,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 31.0855% | 6,663 |
| Net loans and leases to deposits | 37.4176% | 6,653 |
| Net loans and leases to core deposits | 39.3687% | 6,634 |
| Total domestic deposits to total assets | 83.0774% | 4,688 |
| Equity capital to assets | 16.6081% | 466 |
| Core capital (leverage) ratio | 16.6081% | 390 |
| Tier 1 risk-based capital ratio | 69.4390% | 78 |
| Total risk-based capital ratio | 70.7101% | 77 |
| Memoranda: | ||
| Average total assets | $38,154,200 | 6,552 |
| Average earning assets | $37,551,400 | 6,449 |
| Average equity | $6,311,800 | 5,937 |
| Average total loans | $12,520,400 | 6,757 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2235% | 6,780 |
| Cost of funding earning assets | 0.7881% | 3,045 |
| Net interest margin | 2.4354% | 6,870 |
| Noninterest income to average assets | 0.1118% | 6,574 |
| Noninterest expense to average assets | 2.1841% | 5,986 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2586% | 5,758 |
| Return on assets (ROA) | 0.2586% | 5,950 |
| Pretax return on assets | 0.3250% | 5,908 |
| Return on Equity (ROE) | 1.5647% | 6,137 |
| Retained earnings to average equity (ytd only) | 1.5647% | 5,553 |
| Net charge-offs to loans | -0.0422% | 6,664 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0474% | 1,300 |
| Assets per employee ($millions) | 5.4126% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0305% | 2,081 |
| 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 | 31.7092% | 6,760 |
| Net loans and leases to deposits | 38.2977% | 6,743 |
| Net loans and leases to core deposits | 40.6400% | 6,719 |
| Total domestic deposits to total assets | 82.7967% | 4,723 |
| Equity capital to assets | 16.7309% | 497 |
| Core capital (leverage) ratio | 16.7309% | 400 |
| Tier 1 risk-based capital ratio | 69.1201% | 75 |
| Total risk-based capital ratio | 70.3849% | 75 |
| Memoranda: | ||
| Average total assets | $38,153,750 | 6,632 |
| Average earning assets | $37,556,750 | 6,527 |
| Average equity | $6,305,500 | 6,008 |
| Average total loans | $12,622,750 | 6,840 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2471% | 6,846 |
| Cost of funding earning assets | 0.8025% | 3,170 |
| Net interest margin | 2.4446% | 6,930 |
| Noninterest income to average assets | 0.1203% | 6,582 |
| Noninterest expense to average assets | 2.2070% | 5,989 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2772% | 5,679 |
| Return on assets (ROA) | 0.2772% | 5,877 |
| Pretax return on assets | 0.3190% | 5,928 |
| Return on Equity (ROE) | 1.6841% | 6,139 |
| Retained earnings to average equity (ytd only) | 1.6841% | 5,354 |
| Net charge-offs to loans | -0.0314% | 6,536 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3706% | 1,302 |
| Assets per employee ($millions) | 5.4150% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0010% | 2,226 |
| 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 | 31.9140% | 6,810 |
| Net loans and leases to deposits | 38.4924% | 6,782 |
| Net loans and leases to core deposits | 40.4948% | 6,789 |
| Total domestic deposits to total assets | 82.9099% | 4,786 |
| Equity capital to assets | 16.6680% | 486 |
| Core capital (leverage) ratio | 16.6680% | 392 |
| Tier 1 risk-based capital ratio | 68.5621% | 75 |
| Total risk-based capital ratio | 69.8318% | 75 |
| Memoranda: | ||
| Average total assets | $38,242,330 | 6,676 |
| Average earning assets | $37,633,330 | 6,570 |
| Average equity | $6,294,330 | 6,043 |
| Average total loans | $12,742,670 | 6,895 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2713% | 6,909 |
| Cost of funding earning assets | 0.8152% | 3,350 |
| Net interest margin | 2.4561% | 6,978 |
| Noninterest income to average assets | 0.1562% | 6,456 |
| Noninterest expense to average assets | 2.2077% | 6,022 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3645% | 5,404 |
| Return on assets (ROA) | 0.3645% | 5,589 |
| Pretax return on assets | 0.3645% | 5,821 |
| Return on Equity (ROE) | 2.2284% | 5,997 |
| Retained earnings to average equity (ytd only) | 2.2284% | 5,145 |
| Net charge-offs to loans | -0.0309% | 6,356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8300% | 1,501 |
| Assets per employee ($millions) | 5.5021% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8968% | 2,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 33.0339% | 6,778 |
| Net loans and leases to deposits | 39.6726% | 6,752 |
| Net loans and leases to core deposits | 41.6861% | 6,763 |
| Total domestic deposits to total assets | 83.2663% | 4,826 |
| Equity capital to assets | 16.3573% | 518 |
| Core capital (leverage) ratio | 16.3573% | 427 |
| Tier 1 risk-based capital ratio | 63.9529% | 82 |
| Total risk-based capital ratio | 65.2218% | 82 |
| Memoranda: | ||
| Average total assets | $38,411,000 | 6,726 |
| Average earning assets | $37,783,500 | 6,609 |
| Average equity | $6,282,500 | 6,078 |
| Average total loans | $12,942,000 | 6,942 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5222% | 6,982 |
| Cost of funding earning assets | 0.9843% | 3,483 |
| Net interest margin | 2.5379% | 7,037 |
| Noninterest income to average assets | 0.0469% | 6,847 |
| Noninterest expense to average assets | 2.3843% | 5,814 |
| Loan and lease loss provision to assets | -0.0782% | 7,262 |
| Net operating income to assets | 0.2814% | 5,320 |
| Return on assets (ROA) | 0.2814% | 5,478 |
| Pretax return on assets | 0.2267% | 5,724 |
| Return on Equity (ROE) | 1.7376% | 5,758 |
| Retained earnings to average equity (ytd only) | 1.7376% | 4,981 |
| Net charge-offs to loans | -0.8144% | 7,302 |
| Credit loss provision to net charge-offs | 27.2727% | 5,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1358% | 915 |
| Assets per employee ($millions) | 5.4724% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8893% | 2,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 6,362 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 33.0775% | 6,905 |
| Net loans and leases to deposits | 39.6291% | 6,902 |
| Net loans and leases to core deposits | 41.6385% | 6,898 |
| Total domestic deposits to total assets | 83.4678% | 4,556 |
| Equity capital to assets | 16.3547% | 536 |
| Core capital (leverage) ratio | 16.3547% | 428 |
| Tier 1 risk-based capital ratio | 60.7191% | 94 |
| Total risk-based capital ratio | 61.9791% | 93 |
| Memoranda: | ||
| Average total assets | $38,375,600 | 6,730 |
| Average earning assets | $37,590,400 | 6,619 |
| Average equity | $6,215,400 | 6,097 |
| Average total loans | $13,507,200 | 6,969 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5801% | 7,042 |
| Cost of funding earning assets | 1.0148% | 3,574 |
| Net interest margin | 2.5653% | 7,101 |
| Noninterest income to average assets | 0.0556% | 6,937 |
| Noninterest expense to average assets | 2.2955% | 6,053 |
| Loan and lease loss provision to assets | -0.1528% | 7,376 |
| Net operating income to assets | 0.2882% | 5,434 |
| Return on assets (ROA) | 0.2882% | 5,607 |
| Pretax return on assets | 0.4237% | 5,390 |
| Return on Equity (ROE) | 1.7840% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.7840% | 5,247 |
| Net charge-offs to loans | -0.6639% | 7,364 |
| Credit loss provision to net charge-offs | 64.7059% | 4,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4452% | 1,204 |
| Assets per employee ($millions) | 5.5206% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 4,455 |
| Loan loss allowance to noncurrent loans | 205.4348% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 6,466 |
| Noncurrent loans to loans | 0.6922% | 5,503 |
| Net loans and leases to total assets | 33.9018% | 6,958 |
| Net loans and leases to deposits | 40.5893% | 6,960 |
| Net loans and leases to core deposits | 42.5896% | 6,967 |
| Total domestic deposits to total assets | 83.5240% | 4,467 |
| Equity capital to assets | 16.1474% | 604 |
| Core capital (leverage) ratio | 16.1474% | 484 |
| Tier 1 risk-based capital ratio | 57.0697% | 121 |
| Total risk-based capital ratio | 58.3227% | 121 |
| Memoranda: | ||
| Average total assets | $38,392,750 | 6,781 |
| Average earning assets | $37,577,500 | 6,677 |
| Average equity | $6,203,000 | 6,148 |
| Average total loans | $13,655,250 | 7,035 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6258% | 7,078 |
| Cost of funding earning assets | 1.0535% | 3,579 |
| Net interest margin | 2.5723% | 7,138 |
| Noninterest income to average assets | 0.0365% | 7,094 |
| Noninterest expense to average assets | 2.3076% | 6,102 |
| Loan and lease loss provision to assets | -0.2297% | 7,454 |
| Net operating income to assets | 0.3185% | 5,296 |
| Return on assets (ROA) | 0.3185% | 5,429 |
| Pretax return on assets | 0.4699% | 5,171 |
| Return on Equity (ROE) | 1.9707% | 5,794 |
| Retained earnings to average equity (ytd only) | 1.9707% | 4,992 |
| Net charge-offs to loans | -0.9726% | 7,438 |
| Credit loss provision to net charge-offs | 65.6716% | 4,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5738% | 1,202 |
| Assets per employee ($millions) | 5.5040% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 4,632 |
| Loan loss allowance to noncurrent loans | 204.3478% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 1.1498% | 4,588 |
| Noncurrent loans to loans | 0.6792% | 5,546 |
| Net loans and leases to total assets | 34.6683% | 7,030 |
| Net loans and leases to deposits | 41.4685% | 7,014 |
| Net loans and leases to core deposits | 43.5081% | 7,025 |
| Total domestic deposits to total assets | 83.6015% | 4,506 |
| Equity capital to assets | 16.1389% | 598 |
| Core capital (leverage) ratio | 16.1389% | 490 |
| Tier 1 risk-based capital ratio | 56.3021% | 123 |
| Total risk-based capital ratio | 57.5516% | 119 |
| Memoranda: | ||
| Average total assets | $38,309,000 | 6,850 |
| Average earning assets | $37,398,330 | 6,746 |
| Average equity | $6,190,670 | 6,176 |
| Average total loans | $13,777,000 | 7,099 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6577% | 7,101 |
| Cost of funding earning assets | 1.0834% | 3,638 |
| Net interest margin | 2.5743% | 7,142 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 2.3561% | 6,032 |
| Loan and lease loss provision to assets | -0.4607% | 7,534 |
| Net operating income to assets | 0.4189% | 4,862 |
| Return on assets (ROA) | 0.4189% | 4,952 |
| Pretax return on assets | 0.6178% | 4,620 |
| Return on Equity (ROE) | 2.5903% | 5,567 |
| Retained earnings to average equity (ytd only) | 2.5903% | 4,609 |
| Net charge-offs to loans | -1.8714% | 7,511 |
| Credit loss provision to net charge-offs | 67.6923% | 3,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7500% | 1,051 |
| Assets per employee ($millions) | 5.5153% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 4,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8211% | 5,262 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 34.5533% | 7,068 |
| Net loans and leases to deposits | 41.2862% | 7,051 |
| Net loans and leases to core deposits | 43.3033% | 7,062 |
| Total domestic deposits to total assets | 83.6921% | 4,627 |
| Equity capital to assets | 16.0515% | 566 |
| Core capital (leverage) ratio | 16.0515% | 489 |
| Tier 1 risk-based capital ratio | 53.4870% | 134 |
| Total risk-based capital ratio | 54.7385% | 133 |
| Memoranda: | ||
| Average total assets | $38,199,500 | 6,900 |
| Average earning assets | $37,291,000 | 6,795 |
| Average equity | $6,177,000 | 6,188 |
| Average total loans | $13,893,000 | 7,146 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9365% | 7,171 |
| Cost of funding earning assets | 1.3496% | 3,577 |
| Net interest margin | 2.5869% | 7,217 |
| Noninterest income to average assets | 0.0867% | 6,964 |
| Noninterest expense to average assets | 2.3822% | 6,135 |
| Loan and lease loss provision to assets | 0.6708% | 2,464 |
| Net operating income to assets | -0.4387% | 6,346 |
| Return on assets (ROA) | -0.4387% | 6,375 |
| Pretax return on assets | -0.4387% | 6,278 |
| Return on Equity (ROE) | -2.7305% | 6,253 |
| Retained earnings to average equity (ytd only) | -2.7305% | 6,072 |
| Net charge-offs to loans | 1.3747% | 1,627 |
| Credit loss provision to net charge-offs | 130.1980% | 3,052 |
| Earnings coverage of net charge-offs (x) | 0.4505% | 5,659 |
| Efficiency ratio | 91.1220% | 1,239 |
| Assets per employee ($millions) | 5.3989% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 5,707 |
| Loan loss allowance to noncurrent loans | 38.8235% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 1.9634% | 3,389 |
| Noncurrent loans to loans | 2.9804% | 2,565 |
| Net loans and leases to total assets | 37.2963% | 7,101 |
| Net loans and leases to deposits | 44.6822% | 7,093 |
| Net loans and leases to core deposits | 46.5243% | 7,123 |
| Total domestic deposits to total assets | 83.4700% | 4,621 |
| Equity capital to assets | 16.2918% | 543 |
| Core capital (leverage) ratio | 16.2918% | 478 |
| Tier 1 risk-based capital ratio | 49.1106% | 152 |
| Total risk-based capital ratio | 50.3629% | 150 |
| Memoranda: | ||
| Average total assets | $39,207,800 | 6,893 |
| Average earning assets | $38,308,400 | 6,781 |
| Average equity | $6,299,200 | 6,276 |
| Average total loans | $14,694,000 | 7,176 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9205% | 7,326 |
| Cost of funding earning assets | 1.3999% | 3,586 |
| Net interest margin | 2.5205% | 7,361 |
| Noninterest income to average assets | 0.0775% | 7,146 |
| Noninterest expense to average assets | 2.3456% | 6,187 |
| Loan and lease loss provision to assets | 0.1955% | 5,082 |
| Net operating income to assets | 0.0000% | 5,999 |
| Return on assets (ROA) | 0.0000% | 6,124 |
| Pretax return on assets | 0.0000% | 6,087 |
| Return on Equity (ROE) | 0.0000% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,777 |
| Net charge-offs to loans | 0.3333% | 3,991 |
| Credit loss provision to net charge-offs | 156.7568% | 2,443 |
| Earnings coverage of net charge-offs (x) | 1.5676% | 4,549 |
| Efficiency ratio | 92.3077% | 1,101 |
| Assets per employee ($millions) | 5.5597% | 1,578 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8520% | 6,885 |
| Loan loss allowance to noncurrent loans | 265.9574% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.9353% | 5,226 |
| Noncurrent loans to loans | 0.3203% | 6,554 |
| Net loans and leases to total assets | 37.3786% | 7,209 |
| Net loans and leases to deposits | 44.9370% | 7,207 |
| Net loans and leases to core deposits | 46.7524% | 7,244 |
| Total domestic deposits to total assets | 83.1800% | 4,516 |
| Equity capital to assets | 16.2598% | 628 |
| Core capital (leverage) ratio | 16.2598% | 519 |
| Tier 1 risk-based capital ratio | 49.9132% | 154 |
| Total risk-based capital ratio | 50.8992% | 154 |
| Memoranda: | ||
| Average total assets | $39,561,750 | 6,959 |
| Average earning assets | $38,668,000 | 6,851 |
| Average equity | $6,334,750 | 6,338 |
| Average total loans | $14,802,500 | 7,268 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 7,403 |
| Cost of funding earning assets | 1.4547% | 3,533 |
| Net interest margin | 2.4827% | 7,429 |
| Noninterest income to average assets | 0.0503% | 7,331 |
| Noninterest expense to average assets | 2.3330% | 6,264 |
| Loan and lease loss provision to assets | -0.0251% | 7,749 |
| Net operating income to assets | 0.1156% | 5,815 |
| Return on assets (ROA) | 0.1156% | 5,927 |
| Pretax return on assets | 0.1710% | 5,841 |
| Return on Equity (ROE) | 0.7259% | 6,022 |
| Retained earnings to average equity (ytd only) | 0.7259% | 5,473 |
| Net charge-offs to loans | -0.0674% | 7,497 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1176% | 1,063 |
| Assets per employee ($millions) | 5.6867% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 7,241 |
| Loan loss allowance to noncurrent loans | 223.4043% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.9144% | 5,288 |
| Noncurrent loans to loans | 0.3156% | 6,594 |
| Net loans and leases to total assets | 37.1492% | 7,309 |
| Net loans and leases to deposits | 44.4792% | 7,305 |
| Net loans and leases to core deposits | 46.2139% | 7,344 |
| Total domestic deposits to total assets | 83.5205% | 4,326 |
| Equity capital to assets | 15.9545% | 677 |
| Core capital (leverage) ratio | 15.9545% | 574 |
| Tier 1 risk-based capital ratio | 49.5282% | 159 |
| Total risk-based capital ratio | 50.3470% | 160 |
| Memoranda: | ||
| Average total assets | $39,776,330 | 7,008 |
| Average earning assets | $38,908,670 | 6,891 |
| Average equity | $6,337,000 | 6,360 |
| Average total loans | $14,846,000 | 7,320 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 7,517 |
| Cost of funding earning assets | 1.5198% | 3,422 |
| Net interest margin | 2.3926% | 7,536 |
| Noninterest income to average assets | -0.0201% | 7,700 |
| Noninterest expense to average assets | 2.3138% | 6,342 |
| Loan and lease loss provision to assets | -0.0503% | 7,858 |
| Net operating income to assets | 0.0402% | 6,189 |
| Return on assets (ROA) | 0.0402% | 6,304 |
| Pretax return on assets | 0.0604% | 6,228 |
| Return on Equity (ROE) | 0.2528% | 6,339 |
| Retained earnings to average equity (ytd only) | 0.2528% | 5,728 |
| Net charge-offs to loans | -0.1349% | 7,584 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5671% | 852 |
| Assets per employee ($millions) | 5.7004% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7102% | 7,323 |
| Loan loss allowance to noncurrent loans | 223.4043% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.9122% | 5,330 |
| Noncurrent loans to loans | 0.3179% | 6,670 |
| Net loans and leases to total assets | 36.7867% | 7,399 |
| Net loans and leases to deposits | 43.9373% | 7,406 |
| Net loans and leases to core deposits | 45.4641% | 7,445 |
| Total domestic deposits to total assets | 83.7255% | 4,281 |
| Equity capital to assets | 15.8685% | 691 |
| Core capital (leverage) ratio | 15.8685% | 604 |
| Tier 1 risk-based capital ratio | 50.2300% | 154 |
| Total risk-based capital ratio | 51.0630% | 156 |
| Memoranda: | ||
| Average total assets | $39,761,000 | 7,095 |
| Average earning assets | $38,953,000 | 6,974 |
| Average equity | $6,330,000 | 6,402 |
| Average total loans | $14,822,500 | 7,412 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6142% | 7,265 |
| Cost of funding earning assets | 1.8184% | 3,892 |
| Net interest margin | 2.7958% | 7,070 |
| Noninterest income to average assets | 0.1108% | 7,208 |
| Noninterest expense to average assets | 2.3854% | 6,509 |
| Loan and lease loss provision to assets | 0.2215% | 5,590 |
| Net operating income to assets | 0.1623% | 5,015 |
| Return on assets (ROA) | 0.1623% | 5,086 |
| Pretax return on assets | 0.2524% | 4,889 |
| Return on Equity (ROE) | 0.9972% | 5,234 |
| Retained earnings to average equity (ytd only) | 0.9972% | 4,335 |
| Net charge-offs to loans | 0.4803% | 3,858 |
| Credit loss provision to net charge-offs | 119.4444% | 4,493 |
| Earnings coverage of net charge-offs (x) | 2.5556% | 3,841 |
| Efficiency ratio | 83.4234% | 2,424 |
| Assets per employee ($millions) | 5.6599% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7065% | 7,368 |
| Loan loss allowance to noncurrent loans | 28.7671% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 0.9213% | 5,252 |
| Noncurrent loans to loans | 2.4561% | 3,093 |
| Net loans and leases to total assets | 37.2448% | 7,471 |
| Net loans and leases to deposits | 44.5128% | 7,494 |
| Net loans and leases to core deposits | 54.0929% | 7,466 |
| Total domestic deposits to total assets | 83.6720% | 4,189 |
| Equity capital to assets | 15.9721% | 705 |
| Core capital (leverage) ratio | 15.9721% | 622 |
| Tier 1 risk-based capital ratio | 52.4623% | 146 |
| Total risk-based capital ratio | 53.3328% | 146 |
| Memoranda: | ||
| Average total assets | $38,820,000 | 7,139 |
| Average earning assets | $38,164,600 | 7,008 |
| Average equity | $6,317,600 | 6,494 |
| Average total loans | $14,991,200 | 7,459 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6684% | 7,332 |
| Cost of funding earning assets | 1.8652% | 4,074 |
| Net interest margin | 2.8031% | 7,059 |
| Noninterest income to average assets | 0.1105% | 7,352 |
| Noninterest expense to average assets | 2.3925% | 6,435 |
| Loan and lease loss provision to assets | -0.0380% | 8,053 |
| Net operating income to assets | 0.3487% | 4,603 |
| Return on assets (ROA) | 0.3487% | 4,698 |
| Pretax return on assets | 0.5109% | 4,489 |
| Return on Equity (ROE) | 2.1324% | 5,119 |
| Retained earnings to average equity (ytd only) | 2.1324% | 4,135 |
| Net charge-offs to loans | -0.2218% | 7,977 |
| Credit loss provision to net charge-offs | 44.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4940% | 2,353 |
| Assets per employee ($millions) | 5.6469% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6912% | 7,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 38.1628% | 7,543 |
| Net loans and leases to deposits | 45.9530% | 7,568 |
| Net loans and leases to core deposits | 55.4820% | 7,560 |
| Total domestic deposits to total assets | 83.0475% | 4,198 |
| Equity capital to assets | 16.1050% | 773 |
| Core capital (leverage) ratio | 16.1050% | 663 |
| Tier 1 risk-based capital ratio | 54.6110% | 141 |
| Total risk-based capital ratio | 55.5117% | 139 |
| Memoranda: | ||
| Average total assets | $38,620,250 | 7,214 |
| Average earning assets | $37,956,750 | 7,073 |
| Average equity | $6,315,000 | 6,551 |
| Average total loans | $15,023,750 | 7,520 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7128% | 7,372 |
| Cost of funding earning assets | 1.9362% | 4,084 |
| Net interest margin | 2.7766% | 7,059 |
| Noninterest income to average assets | 0.1148% | 7,408 |
| Noninterest expense to average assets | 2.4480% | 6,304 |
| Loan and lease loss provision to assets | -0.0574% | 8,157 |
| Net operating income to assets | 0.3080% | 4,860 |
| Return on assets (ROA) | 0.3080% | 4,975 |
| Pretax return on assets | 0.4489% | 4,792 |
| Return on Equity (ROE) | 1.8736% | 5,347 |
| Retained earnings to average equity (ytd only) | 1.8736% | 4,300 |
| Net charge-offs to loans | -0.3340% | 8,077 |
| Credit loss provision to net charge-offs | 44.0000% | 5,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2132% | 2,211 |
| Assets per employee ($millions) | 5.5563% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 7,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 38.4789% | 7,624 |
| Net loans and leases to deposits | 46.3832% | 7,623 |
| Net loans and leases to core deposits | 56.8293% | 7,567 |
| Total domestic deposits to total assets | 82.9588% | 4,255 |
| Equity capital to assets | 16.2596% | 789 |
| Core capital (leverage) ratio | 16.2596% | 707 |
| Tier 1 risk-based capital ratio | 54.5549% | 151 |
| Total risk-based capital ratio | 55.4520% | 152 |
| Memoranda: | ||
| Average total assets | $38,317,670 | 7,283 |
| Average earning assets | $37,599,330 | 7,156 |
| Average equity | $6,298,000 | 6,610 |
| Average total loans | $14,968,330 | 7,597 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 6,931 |
| Cost of funding earning assets | 2.0323% | 3,974 |
| Net interest margin | 2.9678% | 6,563 |
| Noninterest income to average assets | 0.1052% | 7,511 |
| Noninterest expense to average assets | 2.3771% | 6,269 |
| Loan and lease loss provision to assets | 0.0210% | 6,634 |
| Net operating income to assets | 0.4207% | 4,775 |
| Return on assets (ROA) | 0.4207% | 4,948 |
| Pretax return on assets | 0.6101% | 4,727 |
| Return on Equity (ROE) | 2.5457% | 5,552 |
| Retained earnings to average equity (ytd only) | 2.5457% | 4,460 |
| Net charge-offs to loans | 0.0536% | 4,719 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,054 |
| Efficiency ratio | 79.0210% | 2,997 |
| Assets per employee ($millions) | 5.5019% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5984% | 7,657 |
| Loan loss allowance to noncurrent loans | 67.6692% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 6,482 |
| Noncurrent loans to loans | 0.8842% | 5,234 |
| Net loans and leases to total assets | 38.8207% | 7,626 |
| Net loans and leases to deposits | 46.8126% | 7,632 |
| Net loans and leases to core deposits | 56.0634% | 7,615 |
| Total domestic deposits to total assets | 82.9278% | 4,180 |
| Equity capital to assets | 16.3711% | 814 |
| Core capital (leverage) ratio | 16.3711% | 731 |
| Tier 1 risk-based capital ratio | 52.9565% | 176 |
| Total risk-based capital ratio | 53.7124% | 177 |
| Memoranda: | ||
| Average total assets | $38,029,500 | 7,333 |
| Average earning assets | $37,199,500 | 7,213 |
| Average equity | $6,285,000 | 6,662 |
| Average total loans | $14,917,500 | 7,639 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3509% | 7,535 |
| Cost of funding earning assets | 2.6294% | 3,532 |
| Net interest margin | 2.7215% | 7,459 |
| Noninterest income to average assets | 0.1059% | 7,604 |
| Noninterest expense to average assets | 2.4478% | 6,219 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2170% | 5,799 |
| Return on assets (ROA) | 0.2170% | 5,618 |
| Pretax return on assets | 0.3176% | 5,471 |
| Return on Equity (ROE) | 1.3185% | 5,824 |
| Retained earnings to average equity (ytd only) | 1.3185% | 4,424 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5167% | 1,633 |
| Assets per employee ($millions) | 4.6933% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6084% | 7,663 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 6,156 |
| Noncurrent loans to loans | 0.9125% | 4,794 |
| Net loans and leases to total assets | 39.1626% | 7,710 |
| Net loans and leases to deposits | 47.3513% | 7,737 |
| Net loans and leases to core deposits | 56.4453% | 7,723 |
| Total domestic deposits to total assets | 82.7065% | 3,891 |
| Equity capital to assets | 16.6862% | 811 |
| Core capital (leverage) ratio | 16.6862% | 733 |
| Tier 1 risk-based capital ratio | 51.8540% | 202 |
| Total risk-based capital ratio | 52.5989% | 204 |
| Memoranda: | ||
| Average total assets | $37,788,800 | 7,315 |
| Average earning assets | $36,928,200 | 7,195 |
| Average equity | $6,219,400 | 6,727 |
| Average total loans | $14,270,400 | 7,690 |