Home > The Lorraine State Bank > Performance and Condition Ratios
The Lorraine State Bank, Performance and Condition Ratios
| 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 | 3.9980% | 2,731 |
| Cost of funding earning assets | 0.6331% | 2,101 |
| Net interest margin | 3.3649% | 2,885 |
| Noninterest income to average assets | 0.0409% | 4,877 |
| Noninterest expense to average assets | 1.9748% | 4,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0217% | 2,210 |
| Return on assets (ROA) | 1.0508% | 2,241 |
| Pretax return on assets | 1.3411% | 1,851 |
| Return on Equity (ROE) | 6.3674% | 3,463 |
| Retained earnings to average equity (ytd only) | 1.4122% | 4,061 |
| Net charge-offs to loans | -0.0649% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2244% | 3,423 |
| Assets per employee ($millions) | 5.2472% | 3,094 |
| Cash dividends to net income (ytd only)* | 77.8210% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,412 |
| 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 | 69.7477% | 1,594 |
| Net loans and leases to deposits | 82.6924% | 1,583 |
| Net loans and leases to core deposits | 85.4175% | 1,913 |
| Total domestic deposits to total assets | 84.3459% | 3,002 |
| Equity capital to assets | 15.2653% | 528 |
| Core capital (leverage) ratio | 15.3449% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5065% | 715 |
| Memoranda: | ||
| Average total assets | $24,458,200 | 4,922 |
| Average earning assets | $23,536,800 | 4,894 |
| Average equity | $4,036,200 | 4,840 |
| Average total loans | $18,485,600 | 4,741 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1052% | 2,661 |
| Cost of funding earning assets | 0.6755% | 2,167 |
| Net interest margin | 3.4296% | 2,817 |
| Noninterest income to average assets | 0.0444% | 4,902 |
| Noninterest expense to average assets | 1.7767% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1320% | 1,871 |
| Return on assets (ROA) | 1.1715% | 1,862 |
| Pretax return on assets | 1.6157% | 1,148 |
| Return on Equity (ROE) | 6.9566% | 3,216 |
| Retained earnings to average equity (ytd only) | 6.9566% | 1,713 |
| Net charge-offs to loans | -0.0650% | 4,745 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1561% | 4,239 |
| Assets per employee ($millions) | 4.9068% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,368 |
| 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 | 76.2208% | 1,065 |
| Net loans and leases to deposits | 92.3685% | 1,042 |
| Net loans and leases to core deposits | 97.0018% | 1,382 |
| Total domestic deposits to total assets | 82.5181% | 3,276 |
| Equity capital to assets | 16.9438% | 381 |
| Core capital (leverage) ratio | 17.0800% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,013,750 | 4,955 |
| Average earning assets | $23,092,250 | 4,928 |
| Average equity | $4,044,000 | 4,863 |
| Average total loans | $18,472,000 | 4,773 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1195% | 2,997 |
| Cost of funding earning assets | 0.7172% | 2,297 |
| Net interest margin | 3.4023% | 3,092 |
| Noninterest income to average assets | 0.0419% | 4,931 |
| Noninterest expense to average assets | 1.7617% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1158% | 1,913 |
| Return on assets (ROA) | 1.1158% | 2,033 |
| Pretax return on assets | 1.5436% | 1,359 |
| Return on Equity (ROE) | 6.6395% | 3,271 |
| Retained earnings to average equity (ytd only) | 6.6395% | 1,803 |
| Net charge-offs to loans | -0.0764% | 4,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2995% | 4,251 |
| Assets per employee ($millions) | 4.8884% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,128 |
| 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 | 74.7770% | 1,305 |
| Net loans and leases to deposits | 90.3192% | 1,326 |
| Net loans and leases to core deposits | 94.8223% | 1,678 |
| Total domestic deposits to total assets | 82.7919% | 3,146 |
| Equity capital to assets | 16.6926% | 402 |
| Core capital (leverage) ratio | 16.7548% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,840,333 | 4,982 |
| Average earning assets | $22,866,667 | 4,959 |
| Average equity | $4,006,333 | 4,895 |
| Average total loans | $18,316,667 | 4,809 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 3,259 |
| Cost of funding earning assets | 0.7451% | 2,693 |
| Net interest margin | 3.4416% | 3,179 |
| Noninterest income to average assets | 0.0510% | 4,974 |
| Noninterest expense to average assets | 1.8182% | 4,644 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1725% | 1,610 |
| Return on assets (ROA) | 1.1725% | 1,728 |
| Pretax return on assets | 1.5293% | 1,233 |
| Return on Equity (ROE) | 6.9530% | 2,969 |
| Retained earnings to average equity (ytd only) | 6.9530% | 1,553 |
| Net charge-offs to loans | -0.1317% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3147% | 4,380 |
| Assets per employee ($millions) | 4.8586% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 2,207 |
| 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 | 74.3012% | 1,561 |
| Net loans and leases to deposits | 89.4228% | 1,580 |
| Net loans and leases to core deposits | 93.8735% | 1,991 |
| Total domestic deposits to total assets | 83.0898% | 3,082 |
| Equity capital to assets | 16.4862% | 510 |
| Core capital (leverage) ratio | 16.9693% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,539,500 | 5,029 |
| Average earning assets | $22,547,500 | 5,008 |
| Average equity | $3,969,500 | 4,942 |
| Average total loans | $18,218,500 | 4,843 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 3,597 |
| Cost of funding earning assets | 0.5720% | 3,760 |
| Net interest margin | 3.7063% | 2,796 |
| Noninterest income to average assets | 0.0571% | 5,020 |
| Noninterest expense to average assets | 2.2299% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1027% | 2,435 |
| Return on assets (ROA) | 1.1413% | 2,388 |
| Pretax return on assets | 1.4310% | 2,039 |
| Return on Equity (ROE) | 6.5623% | 3,721 |
| Retained earnings to average equity (ytd only) | 1.5144% | 4,198 |
| Net charge-offs to loans | -0.0773% | 4,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7254% | 3,419 |
| Assets per employee ($millions) | 4.5572% | 3,150 |
| Cash dividends to net income (ytd only)* | 76.9231% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,111 |
| 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 | 78.6579% | 981 |
| Net loans and leases to deposits | 95.5537% | 989 |
| Net loans and leases to core deposits | 100.6571% | 1,509 |
| Total domestic deposits to total assets | 82.3181% | 3,415 |
| Equity capital to assets | 17.2650% | 437 |
| Core capital (leverage) ratio | 17.6011% | 367 |
| Tier 1 risk-based capital ratio | 20.3879% | 1,265 |
| Total risk-based capital ratio | 21.5786% | 1,247 |
| Memoranda: | ||
| Average total assets | $22,781,000 | 5,091 |
| Average earning assets | $21,854,600 | 5,070 |
| Average equity | $3,962,000 | 4,995 |
| Average total loans | $18,101,600 | 4,904 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2597% | 3,782 |
| Cost of funding earning assets | 0.5477% | 3,943 |
| Net interest margin | 3.7120% | 2,877 |
| Noninterest income to average assets | 0.0585% | 5,094 |
| Noninterest expense to average assets | 1.9139% | 4,683 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0828% | 2,640 |
| Return on assets (ROA) | 1.0828% | 2,735 |
| Pretax return on assets | 1.7149% | 1,298 |
| Return on Equity (ROE) | 6.2147% | 3,980 |
| Retained earnings to average equity (ytd only) | 6.2147% | 2,278 |
| Net charge-offs to loans | -0.0958% | 4,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7419% | 4,533 |
| Assets per employee ($millions) | 4.4916% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,243 |
| 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 | 80.3099% | 808 |
| Net loans and leases to deposits | 98.8436% | 732 |
| Net loans and leases to core deposits | 102.7283% | 1,438 |
| Total domestic deposits to total assets | 81.2494% | 3,678 |
| Equity capital to assets | 18.1316% | 383 |
| Core capital (leverage) ratio | 18.0391% | 350 |
| Tier 1 risk-based capital ratio | 21.3363% | 1,149 |
| Total risk-based capital ratio | 22.5386% | 1,135 |
| Memoranda: | ||
| Average total assets | $22,779,750 | 5,168 |
| Average earning assets | $21,910,250 | 5,147 |
| Average equity | $3,969,000 | 5,068 |
| Average total loans | $18,089,000 | 4,978 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2067% | 3,911 |
| Cost of funding earning assets | 0.5270% | 3,999 |
| Net interest margin | 3.6798% | 2,990 |
| Noninterest income to average assets | 0.0524% | 5,158 |
| Noninterest expense to average assets | 1.8963% | 4,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0748% | 2,630 |
| Return on assets (ROA) | 1.0748% | 2,694 |
| Pretax return on assets | 1.6953% | 1,278 |
| Return on Equity (ROE) | 6.2521% | 3,968 |
| Retained earnings to average equity (ytd only) | 6.2521% | 2,171 |
| Net charge-offs to loans | -0.1109% | 5,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7981% | 4,580 |
| Assets per employee ($millions) | 4.4878% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,328 |
| 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 | 80.1818% | 854 |
| Net loans and leases to deposits | 98.2686% | 815 |
| Net loans and leases to core deposits | 102.1112% | 1,543 |
| Total domestic deposits to total assets | 81.5945% | 3,638 |
| Equity capital to assets | 17.8751% | 394 |
| Core capital (leverage) ratio | 17.5065% | 381 |
| Tier 1 risk-based capital ratio | 20.7067% | 1,218 |
| Total risk-based capital ratio | 21.8758% | 1,202 |
| Memoranda: | ||
| Average total assets | $22,887,000 | 5,215 |
| Average earning assets | $22,012,330 | 5,196 |
| Average equity | $3,934,670 | 5,113 |
| Average total loans | $18,030,670 | 5,023 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 4,066 |
| Cost of funding earning assets | 0.4861% | 4,124 |
| Net interest margin | 3.6369% | 3,117 |
| Noninterest income to average assets | 0.0346% | 5,250 |
| Noninterest expense to average assets | 1.8519% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0731% | 2,572 |
| Return on assets (ROA) | 1.0731% | 2,619 |
| Pretax return on assets | 1.6789% | 1,261 |
| Return on Equity (ROE) | 6.3647% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.3647% | 2,290 |
| Net charge-offs to loans | -0.1784% | 5,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4510% | 4,664 |
| Assets per employee ($millions) | 4.5814% | 3,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,319 |
| Loan loss allowance to noncurrent loans | 3,185.7143% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 4,690 |
| Noncurrent loans to loans | 0.0393% | 4,591 |
| Net loans and leases to total assets | 76.8280% | 1,343 |
| Net loans and leases to deposits | 93.2299% | 1,253 |
| Net loans and leases to core deposits | 96.7510% | 1,877 |
| Total domestic deposits to total assets | 82.4071% | 3,613 |
| Equity capital to assets | 17.1607% | 433 |
| Core capital (leverage) ratio | 16.8001% | 445 |
| Tier 1 risk-based capital ratio | 20.7773% | 1,205 |
| Total risk-based capital ratio | 21.9581% | 1,190 |
| Memoranda: | ||
| Average total assets | $23,111,000 | 5,269 |
| Average earning assets | $22,217,000 | 5,249 |
| Average equity | $3,896,500 | 5,161 |
| Average total loans | $17,937,500 | 5,080 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0600% | 3,867 |
| Cost of funding earning assets | 0.4192% | 3,869 |
| Net interest margin | 3.6408% | 3,250 |
| Noninterest income to average assets | 0.0525% | 5,267 |
| Noninterest expense to average assets | 2.2083% | 4,314 |
| Loan and lease loss provision to assets | 0.1312% | 1,671 |
| Net operating income to assets | 0.9244% | 3,350 |
| Return on assets (ROA) | 1.4081% | 1,393 |
| Pretax return on assets | 1.8191% | 874 |
| Return on Equity (ROE) | 8.7652% | 3,115 |
| Retained earnings to average equity (ytd only) | 8.7652% | 949 |
| Net charge-offs to loans | -0.0331% | 4,847 |
| Credit loss provision to net charge-offs | -500.0000% | 4,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2688% | 3,472 |
| Assets per employee ($millions) | 4.6630% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,621 |
| 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 | 76.5087% | 1,519 |
| Net loans and leases to deposits | 92.0576% | 1,549 |
| Net loans and leases to core deposits | 95.4363% | 2,104 |
| Total domestic deposits to total assets | 83.1096% | 3,288 |
| Equity capital to assets | 16.5644% | 456 |
| Core capital (leverage) ratio | 17.2528% | 385 |
| Tier 1 risk-based capital ratio | 20.1724% | 1,277 |
| Total risk-based capital ratio | 21.2957% | 1,271 |
| Memoranda: | ||
| Average total assets | $22,868,200 | 5,317 |
| Average earning assets | $21,945,600 | 5,295 |
| Average equity | $3,673,600 | 5,214 |
| Average total loans | $18,145,200 | 5,119 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 3,801 |
| Cost of funding earning assets | 0.4088% | 3,798 |
| Net interest margin | 3.6366% | 3,240 |
| Noninterest income to average assets | 0.0469% | 5,346 |
| Noninterest expense to average assets | 1.8925% | 4,916 |
| Loan and lease loss provision to assets | 0.1172% | 1,734 |
| Net operating income to assets | 0.9843% | 3,158 |
| Return on assets (ROA) | 0.9843% | 3,165 |
| Pretax return on assets | 1.5292% | 1,808 |
| Return on Equity (ROE) | 6.1765% | 4,209 |
| Retained earnings to average equity (ytd only) | 6.1765% | 2,560 |
| Net charge-offs to loans | -0.0293% | 4,742 |
| Credit loss provision to net charge-offs | -500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4768% | 4,658 |
| Assets per employee ($millions) | 4.4998% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 3,850 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 80.7458% | 910 |
| Net loans and leases to deposits | 99.7255% | 809 |
| Net loans and leases to core deposits | 103.6160% | 1,480 |
| Total domestic deposits to total assets | 80.9680% | 3,879 |
| Equity capital to assets | 16.4363% | 465 |
| Core capital (leverage) ratio | 16.3354% | 471 |
| Tier 1 risk-based capital ratio | 19.3163% | 1,470 |
| Total risk-based capital ratio | 20.3741% | 1,481 |
| Memoranda: | ||
| Average total assets | $22,756,500 | 5,388 |
| Average earning assets | $21,851,500 | 5,366 |
| Average equity | $3,626,500 | 5,286 |
| Average total loans | $18,168,250 | 5,177 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9778% | 3,851 |
| Cost of funding earning assets | 0.3832% | 3,846 |
| Net interest margin | 3.5946% | 3,333 |
| Noninterest income to average assets | 0.0438% | 5,417 |
| Noninterest expense to average assets | 1.9175% | 4,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0244% | 2,917 |
| Return on assets (ROA) | 1.0244% | 2,925 |
| Pretax return on assets | 1.5760% | 1,578 |
| Return on Equity (ROE) | 6.4952% | 4,065 |
| Retained earnings to average equity (ytd only) | 6.4952% | 2,313 |
| Net charge-offs to loans | -0.0221% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8872% | 4,593 |
| Assets per employee ($millions) | 4.6196% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 3,943 |
| Loan loss allowance to noncurrent loans | 2,585.7143% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 3,796 |
| Noncurrent loans to loans | 0.0380% | 4,743 |
| Net loans and leases to total assets | 78.9462% | 1,169 |
| Net loans and leases to deposits | 94.1307% | 1,344 |
| Net loans and leases to core deposits | 97.5708% | 1,920 |
| Total domestic deposits to total assets | 83.8687% | 3,116 |
| Equity capital to assets | 15.8239% | 530 |
| Core capital (leverage) ratio | 16.1627% | 473 |
| Tier 1 risk-based capital ratio | 19.0041% | 1,551 |
| Total risk-based capital ratio | 19.9449% | 1,591 |
| Memoranda: | ||
| Average total assets | $22,842,330 | 5,451 |
| Average earning assets | $21,921,670 | 5,429 |
| Average equity | $3,602,670 | 5,352 |
| Average total loans | $18,101,000 | 5,237 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9429% | 3,808 |
| Cost of funding earning assets | 0.3468% | 4,017 |
| Net interest margin | 3.5960% | 3,198 |
| Noninterest income to average assets | 0.0528% | 5,468 |
| Noninterest expense to average assets | 1.8843% | 5,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1094% | 2,385 |
| Return on assets (ROA) | 1.1094% | 2,400 |
| Pretax return on assets | 1.6377% | 1,277 |
| Return on Equity (ROE) | 7.0460% | 3,767 |
| Retained earnings to average equity (ytd only) | 7.0460% | 2,259 |
| Net charge-offs to loans | -0.0446% | 4,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5000% | 4,842 |
| Assets per employee ($millions) | 4.5884% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 3,862 |
| Loan loss allowance to noncurrent loans | 3,620.0000% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 5,003 |
| Noncurrent loans to loans | 0.0281% | 4,853 |
| Net loans and leases to total assets | 76.8939% | 1,402 |
| Net loans and leases to deposits | 91.4800% | 1,507 |
| Net loans and leases to core deposits | 94.8339% | 2,069 |
| Total domestic deposits to total assets | 84.0554% | 3,307 |
| Equity capital to assets | 15.7135% | 535 |
| Core capital (leverage) ratio | 15.7763% | 518 |
| Tier 1 risk-based capital ratio | 19.2314% | 1,498 |
| Total risk-based capital ratio | 20.1975% | 1,527 |
| Memoranda: | ||
| Average total assets | $22,714,500 | 5,514 |
| Average earning assets | $21,913,000 | 5,487 |
| Average equity | $3,576,500 | 5,411 |
| Average total loans | $17,943,500 | 5,299 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0222% | 3,331 |
| Cost of funding earning assets | 0.3371% | 3,823 |
| Net interest margin | 3.6851% | 2,855 |
| Noninterest income to average assets | 0.0733% | 5,477 |
| Noninterest expense to average assets | 2.3758% | 4,144 |
| Loan and lease loss provision to assets | 0.1725% | 1,271 |
| Net operating income to assets | 0.8322% | 3,025 |
| Return on assets (ROA) | 0.8322% | 3,059 |
| Pretax return on assets | 1.0607% | 3,338 |
| Return on Equity (ROE) | 5.5829% | 3,929 |
| Retained earnings to average equity (ytd only) | 5.5829% | 1,782 |
| Net charge-offs to loans | 0.0667% | 2,517 |
| Credit loss provision to net charge-offs | 333.3333% | 861 |
| Earnings coverage of net charge-offs (x) | 23.8333% | 1,790 |
| Efficiency ratio | 65.8303% | 3,304 |
| Assets per employee ($millions) | 4.4974% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 3,999 |
| 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 | 79.5393% | 1,027 |
| Net loans and leases to deposits | 94.6449% | 1,202 |
| Net loans and leases to core deposits | 99.5880% | 1,744 |
| Total domestic deposits to total assets | 84.0397% | 3,192 |
| Equity capital to assets | 15.7780% | 540 |
| Core capital (leverage) ratio | 15.5284% | 537 |
| Tier 1 risk-based capital ratio | 18.8238% | 1,551 |
| Total risk-based capital ratio | 19.7756% | 1,596 |
| Memoranda: | ||
| Average total assets | $23,192,200 | 5,568 |
| Average earning assets | $22,251,600 | 5,541 |
| Average equity | $3,457,000 | 5,484 |
| Average total loans | $18,000,600 | 5,362 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9809% | 3,415 |
| Cost of funding earning assets | 0.3332% | 3,827 |
| Net interest margin | 3.6476% | 2,962 |
| Noninterest income to average assets | 0.0685% | 5,563 |
| Noninterest expense to average assets | 2.1054% | 4,725 |
| Loan and lease loss provision to assets | 0.1997% | 953 |
| Net operating income to assets | 0.8672% | 3,190 |
| Return on assets (ROA) | 0.8672% | 3,235 |
| Pretax return on assets | 1.2609% | 2,666 |
| Return on Equity (ROE) | 5.9011% | 4,167 |
| Retained earnings to average equity (ytd only) | 5.9011% | 2,308 |
| Net charge-offs to loans | 0.1112% | 1,673 |
| Credit loss provision to net charge-offs | 233.3333% | 1,196 |
| Earnings coverage of net charge-offs (x) | 17.0660% | 2,128 |
| Efficiency ratio | 59.0400% | 4,349 |
| Assets per employee ($millions) | 4.5524% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 4,307 |
| 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 | 78.0380% | 1,265 |
| Net loans and leases to deposits | 92.7088% | 1,457 |
| Net loans and leases to core deposits | 97.4757% | 1,930 |
| Total domestic deposits to total assets | 84.1754% | 3,054 |
| Equity capital to assets | 15.4468% | 641 |
| Core capital (leverage) ratio | 15.2097% | 621 |
| Tier 1 risk-based capital ratio | 18.5988% | 1,705 |
| Total risk-based capital ratio | 19.5078% | 1,751 |
| Memoranda: | ||
| Average total assets | $23,368,500 | 5,629 |
| Average earning assets | $22,406,750 | 5,601 |
| Average equity | $3,434,250 | 5,549 |
| Average total loans | $17,984,500 | 5,417 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8783% | 3,632 |
| Cost of funding earning assets | 0.3276% | 3,823 |
| Net interest margin | 3.5507% | 3,208 |
| Noninterest income to average assets | 0.0509% | 5,652 |
| Noninterest expense to average assets | 2.1467% | 4,682 |
| Loan and lease loss provision to assets | 0.2546% | 654 |
| Net operating income to assets | 0.7552% | 3,611 |
| Return on assets (ROA) | 0.7552% | 3,666 |
| Pretax return on assets | 1.0522% | 3,364 |
| Return on Equity (ROE) | 5.2245% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.2245% | 2,566 |
| Net charge-offs to loans | 0.0778% | 1,843 |
| Credit loss provision to net charge-offs | 428.5714% | 747 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,727 |
| Efficiency ratio | 62.1622% | 3,965 |
| Assets per employee ($millions) | 4.6576% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 4,232 |
| Loan loss allowance to noncurrent loans | 64.4444% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.1594% | 1,480 |
| Noncurrent loans to loans | 1.5309% | 1,223 |
| Net loans and leases to total assets | 74.9871% | 1,701 |
| Net loans and leases to deposits | 88.3889% | 1,936 |
| Net loans and leases to core deposits | 92.7797% | 2,273 |
| Total domestic deposits to total assets | 84.8377% | 2,874 |
| Equity capital to assets | 14.8360% | 729 |
| Core capital (leverage) ratio | 14.8335% | 670 |
| Tier 1 risk-based capital ratio | 18.2122% | 1,794 |
| Total risk-based capital ratio | 19.1347% | 1,844 |
| Memoranda: | ||
| Average total assets | $23,570,670 | 5,673 |
| Average earning assets | $22,587,000 | 5,645 |
| Average equity | $3,407,000 | 5,595 |
| Average total loans | $18,001,330 | 5,463 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 3,439 |
| Cost of funding earning assets | 0.3180% | 3,870 |
| Net interest margin | 3.5691% | 3,011 |
| Noninterest income to average assets | 0.0675% | 5,680 |
| Noninterest expense to average assets | 2.4798% | 3,879 |
| Loan and lease loss provision to assets | 0.2530% | 586 |
| Net operating income to assets | 0.6073% | 4,125 |
| Return on assets (ROA) | 0.6073% | 4,179 |
| Pretax return on assets | 0.7422% | 4,305 |
| Return on Equity (ROE) | 4.2566% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.2566% | 3,311 |
| Net charge-offs to loans | 0.1760% | 945 |
| Credit loss provision to net charge-offs | 187.5000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 7.3750% | 2,141 |
| Efficiency ratio | 71.3592% | 2,684 |
| Assets per employee ($millions) | 4.6612% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 4,834 |
| Loan loss allowance to noncurrent loans | 153.3981% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 3,423 |
| Noncurrent loans to loans | 0.5719% | 3,089 |
| Net loans and leases to total assets | 76.5983% | 1,318 |
| Net loans and leases to deposits | 89.9753% | 1,532 |
| Net loans and leases to core deposits | 94.4201% | 1,946 |
| Total domestic deposits to total assets | 85.1326% | 3,032 |
| Equity capital to assets | 14.5928% | 732 |
| Core capital (leverage) ratio | 14.3536% | 753 |
| Tier 1 risk-based capital ratio | 17.7561% | 1,957 |
| Total risk-based capital ratio | 18.5856% | 2,029 |
| Memoranda: | ||
| Average total assets | $23,712,000 | 5,738 |
| Average earning assets | $22,639,000 | 5,710 |
| Average equity | $3,383,000 | 5,660 |
| Average total loans | $18,183,500 | 5,517 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9368% | 3,432 |
| Cost of funding earning assets | 0.3110% | 3,948 |
| Net interest margin | 3.6258% | 2,978 |
| Noninterest income to average assets | 0.0723% | 5,718 |
| Noninterest expense to average assets | 2.2372% | 4,684 |
| Loan and lease loss provision to assets | 0.0978% | 2,416 |
| Net operating income to assets | 0.9272% | 2,694 |
| Return on assets (ROA) | 0.9272% | 2,809 |
| Pretax return on assets | 1.2079% | 2,630 |
| Return on Equity (ROE) | 6.6606% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.6606% | 1,379 |
| Net charge-offs to loans | 0.0906% | 2,402 |
| Credit loss provision to net charge-offs | 143.7500% | 1,907 |
| Earnings coverage of net charge-offs (x) | 19.1875% | 1,923 |
| Efficiency ratio | 63.1453% | 4,083 |
| Assets per employee ($millions) | 4.8236% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8226% | 5,043 |
| Loan loss allowance to noncurrent loans | 106.3380% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.5888% | 2,966 |
| Noncurrent loans to loans | 0.7735% | 2,589 |
| Net loans and leases to total assets | 75.4872% | 1,604 |
| Net loans and leases to deposits | 92.1216% | 1,440 |
| Net loans and leases to core deposits | 96.6759% | 1,865 |
| Total domestic deposits to total assets | 81.9429% | 4,093 |
| Equity capital to assets | 13.9522% | 903 |
| Core capital (leverage) ratio | 14.4529% | 703 |
| Tier 1 risk-based capital ratio | 17.1695% | 2,102 |
| Total risk-based capital ratio | 17.9444% | 2,211 |
| Memoranda: | ||
| Average total assets | $23,512,000 | 5,793 |
| Average earning assets | $22,505,600 | 5,764 |
| Average equity | $3,273,000 | 5,729 |
| Average total loans | $17,667,800 | 5,587 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 3,465 |
| Cost of funding earning assets | 0.3025% | 4,068 |
| Net interest margin | 3.6354% | 2,943 |
| Noninterest income to average assets | 0.0856% | 5,754 |
| Noninterest expense to average assets | 2.1517% | 4,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9817% | 2,508 |
| Return on assets (ROA) | 0.9817% | 2,646 |
| Pretax return on assets | 1.4326% | 1,931 |
| Return on Equity (ROE) | 7.0563% | 3,535 |
| Retained earnings to average equity (ytd only) | 7.0563% | 1,598 |
| Net charge-offs to loans | -0.0457% | 5,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0318% | 4,533 |
| Assets per employee ($millions) | 4.6318% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8397% | 5,073 |
| Loan loss allowance to noncurrent loans | 136.3636% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.4750% | 3,535 |
| Noncurrent loans to loans | 0.6158% | 3,171 |
| Net loans and leases to total assets | 76.4886% | 1,441 |
| Net loans and leases to deposits | 92.9283% | 1,379 |
| Net loans and leases to core deposits | 97.6947% | 1,840 |
| Total domestic deposits to total assets | 82.3093% | 3,838 |
| Equity capital to assets | 14.4177% | 901 |
| Core capital (leverage) ratio | 14.4300% | 736 |
| Tier 1 risk-based capital ratio | 17.5364% | 2,063 |
| Total risk-based capital ratio | 18.3335% | 2,152 |
| Memoranda: | ||
| Average total assets | $23,360,500 | 5,855 |
| Average earning assets | $22,482,250 | 5,831 |
| Average equity | $3,250,000 | 5,793 |
| Average total loans | $17,495,500 | 5,648 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9165% | 3,554 |
| Cost of funding earning assets | 0.2842% | 4,302 |
| Net interest margin | 3.6323% | 2,970 |
| Noninterest income to average assets | 0.0854% | 5,828 |
| Noninterest expense to average assets | 2.3050% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9049% | 2,836 |
| Return on assets (ROA) | 0.9049% | 2,966 |
| Pretax return on assets | 1.2720% | 2,513 |
| Return on Equity (ROE) | 6.5832% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.5832% | 1,824 |
| Net charge-offs to loans | -0.0460% | 5,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4391% | 3,943 |
| Assets per employee ($millions) | 4.5746% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 5,113 |
| Loan loss allowance to noncurrent loans | 148.0000% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 3,761 |
| Noncurrent loans to loans | 0.5778% | 3,331 |
| Net loans and leases to total assets | 75.0230% | 1,644 |
| Net loans and leases to deposits | 88.1311% | 1,980 |
| Net loans and leases to core deposits | 92.5417% | 2,305 |
| Total domestic deposits to total assets | 85.1266% | 2,812 |
| Equity capital to assets | 14.3401% | 922 |
| Core capital (leverage) ratio | 13.9055% | 853 |
| Tier 1 risk-based capital ratio | 17.6499% | 2,030 |
| Total risk-based capital ratio | 18.4577% | 2,118 |
| Memoranda: | ||
| Average total assets | $23,427,670 | 5,932 |
| Average earning assets | $22,520,330 | 5,903 |
| Average equity | $3,220,330 | 5,866 |
| Average total loans | $17,372,670 | 5,722 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 3,435 |
| Cost of funding earning assets | 0.2814% | 4,371 |
| Net interest margin | 3.6582% | 2,859 |
| Noninterest income to average assets | 0.0844% | 5,873 |
| Noninterest expense to average assets | 2.3286% | 4,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9281% | 2,610 |
| Return on assets (ROA) | 0.9281% | 2,718 |
| Pretax return on assets | 1.2656% | 2,447 |
| Return on Equity (ROE) | 6.8955% | 3,508 |
| Retained earnings to average equity (ytd only) | 6.8955% | 1,934 |
| Net charge-offs to loans | -0.0460% | 5,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7887% | 4,006 |
| Assets per employee ($millions) | 3.9322% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8497% | 5,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 72.2079% | 2,003 |
| Net loans and leases to deposits | 84.3366% | 2,270 |
| Net loans and leases to core deposits | 88.3931% | 2,526 |
| Total domestic deposits to total assets | 85.6186% | 2,852 |
| Equity capital to assets | 13.6566% | 1,112 |
| Core capital (leverage) ratio | 13.3776% | 1,027 |
| Tier 1 risk-based capital ratio | 17.3742% | 2,159 |
| Total risk-based capital ratio | 18.1709% | 2,266 |
| Memoranda: | ||
| Average total assets | $23,705,000 | 5,988 |
| Average earning assets | $22,743,500 | 5,957 |
| Average equity | $3,190,500 | 5,924 |
| Average total loans | $17,405,000 | 5,774 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9127% | 3,658 |
| Cost of funding earning assets | 0.2490% | 4,795 |
| Net interest margin | 3.6637% | 2,889 |
| Noninterest income to average assets | 0.0898% | 5,904 |
| Noninterest expense to average assets | 2.0003% | 5,456 |
| Loan and lease loss provision to assets | 0.3511% | 421 |
| Net operating income to assets | 0.9544% | 2,594 |
| Return on assets (ROA) | 0.9634% | 2,631 |
| Pretax return on assets | 1.2941% | 2,311 |
| Return on Equity (ROE) | 7.7281% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.7281% | 1,005 |
| Net charge-offs to loans | 0.9104% | 228 |
| Credit loss provision to net charge-offs | 54.7771% | 3,337 |
| Earnings coverage of net charge-offs (x) | 2.5478% | 3,879 |
| Efficiency ratio | 55.0562% | 5,434 |
| Assets per employee ($millions) | 3.9695% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8169% | 5,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 73.4097% | 1,824 |
| Net loans and leases to deposits | 87.7755% | 1,903 |
| Net loans and leases to core deposits | 92.0501% | 2,215 |
| Total domestic deposits to total assets | 83.6335% | 3,623 |
| Equity capital to assets | 13.2636% | 1,228 |
| Core capital (leverage) ratio | 13.2829% | 1,049 |
| Tier 1 risk-based capital ratio | 16.7112% | 2,388 |
| Total risk-based capital ratio | 17.4805% | 2,551 |
| Memoranda: | ||
| Average total assets | $24,495,800 | 6,034 |
| Average earning assets | $23,692,200 | 5,998 |
| Average equity | $3,053,800 | 5,997 |
| Average total loans | $17,246,000 | 5,818 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8635% | 3,881 |
| Cost of funding earning assets | 0.2394% | 4,997 |
| Net interest margin | 3.6241% | 3,061 |
| Noninterest income to average assets | 0.0919% | 5,986 |
| Noninterest expense to average assets | 1.8163% | 5,754 |
| Loan and lease loss provision to assets | 0.2486% | 688 |
| Net operating income to assets | 1.0576% | 2,185 |
| Return on assets (ROA) | 1.0649% | 2,244 |
| Pretax return on assets | 1.5568% | 1,516 |
| Return on Equity (ROE) | 8.6758% | 2,745 |
| Retained earnings to average equity (ytd only) | 8.6758% | 1,011 |
| Net charge-offs to loans | 0.3032% | 883 |
| Credit loss provision to net charge-offs | 117.9487% | 2,017 |
| Earnings coverage of net charge-offs (x) | 8.5127% | 2,807 |
| Efficiency ratio | 50.2994% | 5,760 |
| Assets per employee ($millions) | 3.9673% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 3,400 |
| Loan loss allowance to noncurrent loans | 129.0698% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 3,097 |
| Noncurrent loans to loans | 0.9644% | 2,575 |
| Net loans and leases to total assets | 73.9918% | 1,731 |
| Net loans and leases to deposits | 88.2680% | 1,866 |
| Net loans and leases to core deposits | 92.5587% | 2,211 |
| Total domestic deposits to total assets | 83.8262% | 3,499 |
| Equity capital to assets | 13.1533% | 1,372 |
| Core capital (leverage) ratio | 12.7857% | 1,277 |
| Tier 1 risk-based capital ratio | 16.2355% | 2,696 |
| Total risk-based capital ratio | 17.4027% | 2,686 |
| Memoranda: | ||
| Average total assets | $24,665,500 | 6,117 |
| Average earning assets | $23,950,250 | 6,078 |
| Average equity | $3,027,500 | 6,083 |
| Average total loans | $17,150,500 | 5,895 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7647% | 4,192 |
| Cost of funding earning assets | 0.2312% | 5,132 |
| Net interest margin | 3.5335% | 3,364 |
| Noninterest income to average assets | 0.0882% | 6,065 |
| Noninterest expense to average assets | 1.7072% | 5,961 |
| Loan and lease loss provision to assets | 0.3687% | 347 |
| Net operating income to assets | 1.0099% | 2,340 |
| Return on assets (ROA) | 1.0099% | 2,451 |
| Pretax return on assets | 1.4427% | 1,827 |
| Return on Equity (ROE) | 8.4196% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.4196% | 1,111 |
| Net charge-offs to loans | 0.4846% | 518 |
| Credit loss provision to net charge-offs | 112.1951% | 1,902 |
| Earnings coverage of net charge-offs (x) | 5.5122% | 2,916 |
| Efficiency ratio | 48.5194% | 5,931 |
| Assets per employee ($millions) | 4.1060% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 3,590 |
| Loan loss allowance to noncurrent loans | 99.5475% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.8971% | 2,743 |
| Noncurrent loans to loans | 1.2411% | 2,175 |
| Net loans and leases to total assets | 71.3874% | 2,092 |
| Net loans and leases to deposits | 87.5193% | 1,887 |
| Net loans and leases to core deposits | 89.8671% | 2,364 |
| Total domestic deposits to total assets | 81.5676% | 4,427 |
| Equity capital to assets | 12.4006% | 1,721 |
| Core capital (leverage) ratio | 12.3623% | 1,452 |
| Tier 1 risk-based capital ratio | 15.6730% | 3,006 |
| Total risk-based capital ratio | 16.8155% | 3,013 |
| Memoranda: | ||
| Average total assets | $24,952,670 | 6,186 |
| Average earning assets | $24,225,330 | 6,145 |
| Average equity | $2,993,000 | 6,149 |
| Average total loans | $16,922,330 | 5,971 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6932% | 4,386 |
| Cost of funding earning assets | 0.2298% | 5,217 |
| Net interest margin | 3.4634% | 3,567 |
| Noninterest income to average assets | 0.0956% | 6,105 |
| Noninterest expense to average assets | 1.5929% | 6,119 |
| Loan and lease loss provision to assets | 0.7327% | 117 |
| Net operating income to assets | 0.8761% | 2,866 |
| Return on assets (ROA) | 0.8761% | 2,993 |
| Pretax return on assets | 1.1310% | 2,943 |
| Return on Equity (ROE) | 7.4274% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.4274% | 1,798 |
| Net charge-offs to loans | 1.0680% | 223 |
| Credit loss provision to net charge-offs | 104.5455% | 1,566 |
| Earnings coverage of net charge-offs (x) | 2.6591% | 2,721 |
| Efficiency ratio | 46.0829% | 6,097 |
| Assets per employee ($millions) | 4.9058% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 3,468 |
| Loan loss allowance to noncurrent loans | 158.3942% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.6849% | 3,437 |
| Noncurrent loans to loans | 0.8131% | 3,215 |
| Net loans and leases to total assets | 67.8055% | 2,477 |
| Net loans and leases to deposits | 77.5891% | 2,865 |
| Net loans and leases to core deposits | 79.5333% | 3,223 |
| Total domestic deposits to total assets | 87.3904% | 2,171 |
| Equity capital to assets | 12.2141% | 1,885 |
| Core capital (leverage) ratio | 11.7560% | 1,805 |
| Tier 1 risk-based capital ratio | 16.0670% | 2,892 |
| Total risk-based capital ratio | 17.2500% | 2,855 |
| Memoranda: | ||
| Average total assets | $25,111,000 | 6,252 |
| Average earning assets | $24,369,000 | 6,206 |
| Average equity | $2,962,000 | 6,214 |
| Average total loans | $16,480,000 | 6,037 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7918% | 4,522 |
| Cost of funding earning assets | 0.3451% | 4,306 |
| Net interest margin | 3.4467% | 3,995 |
| Noninterest income to average assets | 0.0960% | 6,164 |
| Noninterest expense to average assets | 1.9841% | 5,800 |
| Loan and lease loss provision to assets | 0.0880% | 2,707 |
| Net operating income to assets | 1.0160% | 2,314 |
| Return on assets (ROA) | 1.0160% | 2,390 |
| Pretax return on assets | 1.3401% | 2,108 |
| Return on Equity (ROE) | 8.9236% | 2,630 |
| Retained earnings to average equity (ytd only) | 8.9236% | 725 |
| Net charge-offs to loans | 0.1091% | 2,960 |
| Credit loss provision to net charge-offs | 129.4118% | 1,845 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,701 |
| Efficiency ratio | 58.1477% | 5,445 |
| Assets per employee ($millions) | 5.1526% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 5,475 |
| Loan loss allowance to noncurrent loans | 2,416.6667% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 5,387 |
| Noncurrent loans to loans | 0.0372% | 5,732 |
| Net loans and leases to total assets | 61.9726% | 3,504 |
| Net loans and leases to deposits | 70.3813% | 3,854 |
| Net loans and leases to core deposits | 72.0455% | 4,116 |
| Total domestic deposits to total assets | 88.0526% | 1,743 |
| Equity capital to assets | 11.5088% | 2,422 |
| Core capital (leverage) ratio | 11.6517% | 1,862 |
| Tier 1 risk-based capital ratio | 16.3622% | 2,778 |
| Total risk-based capital ratio | 17.1722% | 2,947 |
| Memoranda: | ||
| Average total assets | $24,999,000 | 6,339 |
| Average earning assets | $24,051,800 | 6,291 |
| Average equity | $2,846,400 | 6,297 |
| Average total loans | $15,588,000 | 6,143 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8222% | 4,461 |
| Cost of funding earning assets | 0.3637% | 4,198 |
| Net interest margin | 3.4585% | 3,983 |
| Noninterest income to average assets | 0.0967% | 6,257 |
| Noninterest expense to average assets | 1.7521% | 6,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1394% | 1,903 |
| Return on assets (ROA) | 1.1394% | 1,964 |
| Pretax return on assets | 1.6661% | 1,145 |
| Return on Equity (ROE) | 10.0350% | 2,207 |
| Retained earnings to average equity (ytd only) | 10.0350% | 700 |
| Net charge-offs to loans | -0.0086% | 5,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2579% | 6,040 |
| Assets per employee ($millions) | 5.0004% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 5,567 |
| Loan loss allowance to noncurrent loans | 2,366.6667% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 5,520 |
| Noncurrent loans to loans | 0.0385% | 5,865 |
| Net loans and leases to total assets | 61.7551% | 3,524 |
| Net loans and leases to deposits | 70.5119% | 3,860 |
| Net loans and leases to core deposits | 72.2373% | 4,132 |
| Total domestic deposits to total assets | 87.5810% | 1,990 |
| Equity capital to assets | 11.6871% | 2,323 |
| Core capital (leverage) ratio | 11.4207% | 2,126 |
| Tier 1 risk-based capital ratio | 16.6590% | 2,745 |
| Total risk-based capital ratio | 17.4786% | 2,897 |
| Memoranda: | ||
| Average total assets | $24,808,000 | 6,418 |
| Average earning assets | $23,825,000 | 6,374 |
| Average equity | $2,816,750 | 6,372 |
| Average total loans | $15,457,250 | 6,217 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8041% | 4,510 |
| Cost of funding earning assets | 0.3964% | 3,901 |
| Net interest margin | 3.4077% | 4,142 |
| Noninterest income to average assets | 0.0889% | 6,321 |
| Noninterest expense to average assets | 1.7136% | 6,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1316% | 1,814 |
| Return on assets (ROA) | 1.1316% | 1,906 |
| Pretax return on assets | 1.6408% | 1,160 |
| Return on Equity (ROE) | 10.0659% | 2,120 |
| Retained earnings to average equity (ytd only) | 10.0659% | 701 |
| Net charge-offs to loans | 0.0389% | 3,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 67.6667% | 743 |
| Efficiency ratio | 51.0843% | 6,118 |
| Assets per employee ($millions) | 4.2095% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 5,807 |
| Loan loss allowance to noncurrent loans | 526.9231% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 5,629 |
| Noncurrent loans to loans | 0.1654% | 5,513 |
| Net loans and leases to total assets | 61.6977% | 3,451 |
| Net loans and leases to deposits | 70.0108% | 3,824 |
| Net loans and leases to core deposits | 71.6921% | 4,079 |
| Total domestic deposits to total assets | 88.1261% | 1,835 |
| Equity capital to assets | 11.3038% | 2,608 |
| Core capital (leverage) ratio | 11.2577% | 2,188 |
| Tier 1 risk-based capital ratio | 16.0481% | 3,063 |
| Total risk-based capital ratio | 16.8291% | 3,265 |
| Memoranda: | ||
| Average total assets | $24,743,330 | 6,485 |
| Average earning assets | $23,711,000 | 6,441 |
| Average equity | $2,781,670 | 6,434 |
| Average total loans | $15,415,670 | 6,272 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8028% | 4,481 |
| Cost of funding earning assets | 0.4263% | 3,678 |
| Net interest margin | 3.3765% | 4,235 |
| Noninterest income to average assets | 0.0980% | 6,342 |
| Noninterest expense to average assets | 1.6499% | 6,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1925% | 1,501 |
| Return on assets (ROA) | 1.1925% | 1,574 |
| Pretax return on assets | 1.6826% | 1,012 |
| Return on Equity (ROE) | 10.6375% | 1,803 |
| Retained earnings to average equity (ytd only) | 10.6375% | 807 |
| Net charge-offs to loans | 0.0524% | 2,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 737 |
| Efficiency ratio | 49.5098% | 6,285 |
| Assets per employee ($millions) | 4.1413% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 5,812 |
| Loan loss allowance to noncurrent loans | 265.3846% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 5,589 |
| Noncurrent loans to loans | 0.3461% | 5,075 |
| Net loans and leases to total assets | 59.9163% | 3,574 |
| Net loans and leases to deposits | 67.8423% | 3,870 |
| Net loans and leases to core deposits | 69.4954% | 4,156 |
| Total domestic deposits to total assets | 88.3170% | 2,045 |
| Equity capital to assets | 11.2001% | 2,523 |
| Core capital (leverage) ratio | 11.0744% | 2,326 |
| Tier 1 risk-based capital ratio | 16.3202% | 2,997 |
| Total risk-based capital ratio | 17.1398% | 3,187 |
| Memoranda: | ||
| Average total assets | $24,486,500 | 6,557 |
| Average earning assets | $23,456,500 | 6,514 |
| Average equity | $2,745,000 | 6,500 |
| Average total loans | $15,263,500 | 6,341 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0611% | 3,877 |
| Cost of funding earning assets | 0.4343% | 4,272 |
| Net interest margin | 3.6267% | 3,348 |
| Noninterest income to average assets | 0.1491% | 6,192 |
| Noninterest expense to average assets | 2.1332% | 5,763 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0687% | 2,043 |
| Return on assets (ROA) | 1.0687% | 2,125 |
| Pretax return on assets | 1.4746% | 1,535 |
| Return on Equity (ROE) | 9.8413% | 2,172 |
| Retained earnings to average equity (ytd only) | 9.8413% | 587 |
| Net charge-offs to loans | 0.0329% | 4,775 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 71.2000% | 599 |
| Efficiency ratio | 59.1274% | 5,589 |
| Assets per employee ($millions) | 4.0208% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 5,918 |
| Loan loss allowance to noncurrent loans | 194.4444% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 5,372 |
| Noncurrent loans to loans | 0.4645% | 4,839 |
| Net loans and leases to total assets | 63.6725% | 3,102 |
| Net loans and leases to deposits | 71.9822% | 3,523 |
| Net loans and leases to core deposits | 73.7836% | 3,863 |
| Total domestic deposits to total assets | 88.4560% | 1,923 |
| Equity capital to assets | 11.2207% | 2,409 |
| Core capital (leverage) ratio | 11.4541% | 1,995 |
| Tier 1 risk-based capital ratio | 15.7030% | 3,249 |
| Total risk-based capital ratio | 16.5248% | 3,449 |
| Memoranda: | ||
| Average total assets | $24,141,600 | 6,635 |
| Average earning assets | $23,023,600 | 6,596 |
| Average equity | $2,621,600 | 6,600 |
| Average total loans | $15,202,000 | 6,407 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 3,763 |
| Cost of funding earning assets | 0.4400% | 4,377 |
| Net interest margin | 3.6589% | 3,198 |
| Noninterest income to average assets | 0.1712% | 6,160 |
| Noninterest expense to average assets | 1.7780% | 6,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2700% | 1,432 |
| Return on assets (ROA) | 1.2700% | 1,503 |
| Pretax return on assets | 1.8830% | 732 |
| Return on Equity (ROE) | 11.7935% | 1,545 |
| Retained earnings to average equity (ytd only) | 11.7935% | 452 |
| Net charge-offs to loans | -0.0088% | 5,865 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5671% | 6,475 |
| Assets per employee ($millions) | 3.9263% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9652% | 5,865 |
| Loan loss allowance to noncurrent loans | 231.7460% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 5,644 |
| Noncurrent loans to loans | 0.4165% | 5,151 |
| Net loans and leases to total assets | 63.5877% | 3,060 |
| Net loans and leases to deposits | 72.2520% | 3,478 |
| Net loans and leases to core deposits | 74.1071% | 3,833 |
| Total domestic deposits to total assets | 88.0083% | 2,123 |
| Equity capital to assets | 11.4356% | 2,346 |
| Core capital (leverage) ratio | 11.3483% | 2,165 |
| Tier 1 risk-based capital ratio | 15.7870% | 3,306 |
| Total risk-based capital ratio | 16.6577% | 3,469 |
| Memoranda: | ||
| Average total assets | $24,145,750 | 6,715 |
| Average earning assets | $23,030,000 | 6,673 |
| Average equity | $2,600,250 | 6,683 |
| Average total loans | $15,127,250 | 6,473 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0769% | 3,824 |
| Cost of funding earning assets | 0.4405% | 4,538 |
| Net interest margin | 3.6364% | 3,220 |
| Noninterest income to average assets | 0.1890% | 6,080 |
| Noninterest expense to average assets | 1.7583% | 6,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2818% | 1,367 |
| Return on assets (ROA) | 1.2818% | 1,465 |
| Pretax return on assets | 1.8898% | 765 |
| Return on Equity (ROE) | 12.1448% | 1,442 |
| Retained earnings to average equity (ytd only) | 12.1448% | 466 |
| Net charge-offs to loans | 0.0132% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 230.0000% | 228 |
| Efficiency ratio | 48.1982% | 6,523 |
| Assets per employee ($millions) | 3.9182% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 6,051 |
| Loan loss allowance to noncurrent loans | 221.5385% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 5,662 |
| Noncurrent loans to loans | 0.4200% | 5,209 |
| Net loans and leases to total assets | 65.2261% | 2,727 |
| Net loans and leases to deposits | 76.4026% | 2,820 |
| Net loans and leases to core deposits | 78.4308% | 3,234 |
| Total domestic deposits to total assets | 85.3716% | 3,714 |
| Equity capital to assets | 11.1319% | 2,627 |
| Core capital (leverage) ratio | 10.9615% | 2,397 |
| Tier 1 risk-based capital ratio | 15.0865% | 3,722 |
| Total risk-based capital ratio | 15.9308% | 3,942 |
| Memoranda: | ||
| Average total assets | $24,341,670 | 6,760 |
| Average earning assets | $23,154,670 | 6,720 |
| Average equity | $2,569,000 | 6,738 |
| Average total loans | $15,127,670 | 6,516 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9433% | 4,315 |
| Cost of funding earning assets | 0.4438% | 4,667 |
| Net interest margin | 3.4995% | 3,699 |
| Noninterest income to average assets | 0.1454% | 6,374 |
| Noninterest expense to average assets | 1.6156% | 6,658 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2925% | 1,297 |
| Return on assets (ROA) | 1.2925% | 1,397 |
| Pretax return on assets | 1.8418% | 815 |
| Return on Equity (ROE) | 12.5737% | 1,275 |
| Retained earnings to average equity (ytd only) | 12.5737% | 613 |
| Net charge-offs to loans | -0.0268% | 5,849 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7290% | 6,662 |
| Assets per employee ($millions) | 4.1020% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 6,089 |
| Loan loss allowance to noncurrent loans | 221.2121% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 5,760 |
| Noncurrent loans to loans | 0.4362% | 5,331 |
| Net loans and leases to total assets | 60.8809% | 3,273 |
| Net loans and leases to deposits | 68.4701% | 3,717 |
| Net loans and leases to core deposits | 70.1301% | 4,066 |
| Total domestic deposits to total assets | 88.9160% | 1,729 |
| Equity capital to assets | 10.4908% | 3,548 |
| Core capital (leverage) ratio | 10.1549% | 3,210 |
| Tier 1 risk-based capital ratio | 14.6538% | 4,065 |
| Total risk-based capital ratio | 15.5106% | 4,290 |
| Memoranda: | ||
| Average total assets | $24,758,000 | 6,823 |
| Average earning assets | $23,432,000 | 6,778 |
| Average equity | $2,545,000 | 6,804 |
| Average total loans | $14,952,500 | 6,584 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2727% | 4,309 |
| Cost of funding earning assets | 0.5928% | 4,415 |
| Net interest margin | 3.6799% | 3,742 |
| Noninterest income to average assets | 0.0914% | 6,539 |
| Noninterest expense to average assets | 2.1441% | 6,039 |
| Loan and lease loss provision to assets | 0.1454% | 3,787 |
| Net operating income to assets | 0.9515% | 2,538 |
| Return on assets (ROA) | 0.9515% | 2,792 |
| Pretax return on assets | 1.2840% | 2,471 |
| Return on Equity (ROE) | 9.4270% | 2,433 |
| Retained earnings to average equity (ytd only) | 3.2521% | 3,935 |
| Net charge-offs to loans | 0.1335% | 4,345 |
| Credit loss provision to net charge-offs | 175.0000% | 1,501 |
| Earnings coverage of net charge-offs (x) | 17.2000% | 1,519 |
| Efficiency ratio | 60.0000% | 5,541 |
| Assets per employee ($millions) | 4.1507% | 3,648 |
| Cash dividends to net income (ytd only)* | 65.5022% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 6,025 |
| Loan loss allowance to noncurrent loans | 207.1429% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 5,847 |
| Noncurrent loans to loans | 0.4738% | 5,342 |
| Net loans and leases to total assets | 58.7456% | 3,847 |
| Net loans and leases to deposits | 65.9663% | 4,294 |
| Net loans and leases to core deposits | 67.5407% | 4,588 |
| Total domestic deposits to total assets | 89.0540% | 1,526 |
| Equity capital to assets | 10.0707% | 4,074 |
| Core capital (leverage) ratio | 10.1726% | 3,171 |
| Tier 1 risk-based capital ratio | 14.2085% | 4,237 |
| Total risk-based capital ratio | 15.0608% | 4,478 |
| Memoranda: | ||
| Average total assets | $24,066,000 | 6,892 |
| Average earning assets | $22,772,400 | 6,844 |
| Average equity | $2,429,200 | 6,897 |
| Average total loans | $14,981,800 | 6,658 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 4,457 |
| Cost of funding earning assets | 0.6276% | 4,387 |
| Net interest margin | 3.6717% | 3,914 |
| Noninterest income to average assets | 0.0950% | 6,637 |
| Noninterest expense to average assets | 1.8443% | 6,625 |
| Loan and lease loss provision to assets | 0.1956% | 3,131 |
| Net operating income to assets | 1.1290% | 1,991 |
| Return on assets (ROA) | 1.1290% | 2,186 |
| Pretax return on assets | 1.5537% | 1,712 |
| Return on Equity (ROE) | 11.1778% | 1,899 |
| Retained earnings to average equity (ytd only) | 2.8774% | 4,827 |
| Net charge-offs to loans | 0.1774% | 3,688 |
| Credit loss provision to net charge-offs | 175.0000% | 1,587 |
| Earnings coverage of net charge-offs (x) | 15.6475% | 1,744 |
| Efficiency ratio | 51.3219% | 6,504 |
| Assets per employee ($millions) | 4.0083% | 3,854 |
| Cash dividends to net income (ytd only)* | 74.2583% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 6,164 |
| Loan loss allowance to noncurrent loans | 201.3889% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 5,947 |
| Noncurrent loans to loans | 0.4856% | 5,480 |
| Net loans and leases to total assets | 61.0478% | 3,563 |
| Net loans and leases to deposits | 69.4184% | 3,974 |
| Net loans and leases to core deposits | 71.1544% | 4,358 |
| Total domestic deposits to total assets | 87.9418% | 2,076 |
| Equity capital to assets | 10.3410% | 4,028 |
| Core capital (leverage) ratio | 9.9216% | 3,662 |
| Tier 1 risk-based capital ratio | 14.2220% | 4,366 |
| Total risk-based capital ratio | 15.0845% | 4,624 |
| Memoranda: | ||
| Average total assets | $23,856,500 | 6,985 |
| Average earning assets | $22,731,750 | 6,934 |
| Average equity | $2,409,500 | 6,992 |
| Average total loans | $15,033,500 | 6,743 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 4,365 |
| Cost of funding earning assets | 0.6738% | 4,239 |
| Net interest margin | 3.6796% | 3,929 |
| Noninterest income to average assets | 0.1009% | 6,673 |
| Noninterest expense to average assets | 1.8494% | 6,684 |
| Loan and lease loss provision to assets | 0.2942% | 2,223 |
| Net operating income to assets | 1.0592% | 2,207 |
| Return on assets (ROA) | 1.0592% | 2,439 |
| Pretax return on assets | 1.4459% | 2,025 |
| Return on Equity (ROE) | 10.5719% | 2,143 |
| Retained earnings to average equity (ytd only) | -2.0137% | 6,361 |
| Net charge-offs to loans | 0.2649% | 2,995 |
| Credit loss provision to net charge-offs | 175.0000% | 1,612 |
| Earnings coverage of net charge-offs (x) | 10.3500% | 2,060 |
| Efficiency ratio | 51.5222% | 6,539 |
| Assets per employee ($millions) | 4.0288% | 3,816 |
| Cash dividends to net income (ytd only)* | 119.0476% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 6,205 |
| Loan loss allowance to noncurrent loans | 195.9459% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 5,995 |
| Noncurrent loans to loans | 0.5041% | 5,526 |
| Net loans and leases to total assets | 60.1249% | 3,794 |
| Net loans and leases to deposits | 67.4025% | 4,300 |
| Net loans and leases to core deposits | 69.0484% | 4,663 |
| Total domestic deposits to total assets | 89.2028% | 1,388 |
| Equity capital to assets | 9.9698% | 4,378 |
| Core capital (leverage) ratio | 9.6320% | 3,947 |
| Tier 1 risk-based capital ratio | 13.8762% | 4,538 |
| Total risk-based capital ratio | 14.7457% | 4,784 |
| Memoranda: | ||
| Average total assets | $23,792,000 | 7,045 |
| Average earning assets | $22,557,000 | 6,997 |
| Average equity | $2,383,670 | 7,043 |
| Average total loans | $15,102,330 | 6,796 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 3,984 |
| Cost of funding earning assets | 0.7177% | 4,127 |
| Net interest margin | 3.7677% | 3,530 |
| Noninterest income to average assets | 0.0678% | 6,865 |
| Noninterest expense to average assets | 1.8643% | 6,711 |
| Loan and lease loss provision to assets | 0.5932% | 969 |
| Net operating income to assets | 0.8644% | 3,081 |
| Return on assets (ROA) | 0.8644% | 3,312 |
| Pretax return on assets | 1.1694% | 3,028 |
| Return on Equity (ROE) | 8.6058% | 2,992 |
| Retained earnings to average equity (ytd only) | -16.7053% | 7,003 |
| Net charge-offs to loans | 0.4440% | 1,982 |
| Credit loss provision to net charge-offs | 205.8824% | 1,311 |
| Earnings coverage of net charge-offs (x) | 6.1176% | 2,251 |
| Efficiency ratio | 51.4019% | 6,590 |
| Assets per employee ($millions) | 4.0303% | 3,946 |
| Cash dividends to net income (ytd only)* | 294.1176% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 6,267 |
| Loan loss allowance to noncurrent loans | 187.3418% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 6,067 |
| Noncurrent loans to loans | 0.5316% | 5,602 |
| Net loans and leases to total assets | 60.8428% | 3,478 |
| Net loans and leases to deposits | 67.8487% | 4,091 |
| Net loans and leases to core deposits | 69.4927% | 4,501 |
| Total domestic deposits to total assets | 89.6741% | 1,252 |
| Equity capital to assets | 9.5815% | 4,675 |
| Core capital (leverage) ratio | 9.5374% | 3,997 |
| Tier 1 risk-based capital ratio | 13.3871% | 4,906 |
| Total risk-based capital ratio | 14.2720% | 5,171 |
| Memoranda: | ||
| Average total assets | $23,601,500 | 7,108 |
| Average earning assets | $22,294,500 | 7,066 |
| Average equity | $2,370,500 | 7,097 |
| Average total loans | $15,314,000 | 6,834 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8157% | 3,736 |
| Cost of funding earning assets | 0.8003% | 4,871 |
| Net interest margin | 4.0154% | 2,809 |
| Noninterest income to average assets | 0.1159% | 6,568 |
| Noninterest expense to average assets | 2.2025% | 6,263 |
| Loan and lease loss provision to assets | 0.2497% | 3,703 |
| Net operating income to assets | 1.0545% | 1,988 |
| Return on assets (ROA) | 1.0834% | 2,014 |
| Pretax return on assets | 1.5070% | 1,447 |
| Return on Equity (ROE) | 10.6309% | 1,829 |
| Retained earnings to average equity (ytd only) | 10.6309% | 460 |
| Net charge-offs to loans | 0.2052% | 4,516 |
| Credit loss provision to net charge-offs | 180.6452% | 1,439 |
| Earnings coverage of net charge-offs (x) | 12.4194% | 1,624 |
| Efficiency ratio | 56.2002% | 6,289 |
| Assets per employee ($millions) | 3.8368% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 6,691 |
| Loan loss allowance to noncurrent loans | 122.6415% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 5,815 |
| Noncurrent loans to loans | 0.6723% | 5,351 |
| Net loans and leases to total assets | 67.9249% | 2,410 |
| Net loans and leases to deposits | 76.6332% | 3,066 |
| Net loans and leases to core deposits | 77.6299% | 3,725 |
| Total domestic deposits to total assets | 88.6365% | 1,762 |
| Equity capital to assets | 10.5295% | 3,502 |
| Core capital (leverage) ratio | 10.5873% | 2,629 |
| Tier 1 risk-based capital ratio | 13.5458% | 4,663 |
| Total risk-based capital ratio | 14.2990% | 5,006 |
| Memoranda: | ||
| Average total assets | $22,429,200 | 7,153 |
| Average earning assets | $21,243,200 | 7,122 |
| Average equity | $2,285,800 | 7,166 |
| Average total loans | $15,108,400 | 6,901 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7875% | 4,076 |
| Cost of funding earning assets | 0.8168% | 5,037 |
| Net interest margin | 3.9707% | 3,051 |
| Noninterest income to average assets | 0.1197% | 6,664 |
| Noninterest expense to average assets | 1.9029% | 6,844 |
| Loan and lease loss provision to assets | 0.2274% | 3,741 |
| Net operating income to assets | 1.2191% | 1,602 |
| Return on assets (ROA) | 1.2686% | 1,567 |
| Pretax return on assets | 1.8431% | 871 |
| Return on Equity (ROE) | 12.5557% | 1,396 |
| Retained earnings to average equity (ytd only) | 12.5557% | 423 |
| Net charge-offs to loans | 0.2766% | 3,701 |
| Credit loss provision to net charge-offs | 122.5806% | 2,637 |
| Earnings coverage of net charge-offs (x) | 10.7747% | 1,878 |
| Efficiency ratio | 48.7730% | 6,906 |
| Assets per employee ($millions) | 3.7205% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7100% | 6,947 |
| Loan loss allowance to noncurrent loans | 164.7059% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 6,307 |
| Noncurrent loans to loans | 0.4311% | 5,980 |
| Net loans and leases to total assets | 70.1653% | 2,054 |
| Net loans and leases to deposits | 82.4021% | 2,283 |
| Net loans and leases to core deposits | 83.5494% | 3,119 |
| Total domestic deposits to total assets | 85.1498% | 3,699 |
| Equity capital to assets | 10.7244% | 3,449 |
| Core capital (leverage) ratio | 10.3588% | 3,024 |
| Tier 1 risk-based capital ratio | 13.4222% | 4,790 |
| Total risk-based capital ratio | 14.0738% | 5,209 |
| Memoranda: | ||
| Average total assets | $22,281,250 | 7,229 |
| Average earning assets | $21,221,500 | 7,194 |
| Average equity | $2,251,250 | 7,243 |
| Average total loans | $14,943,750 | 6,972 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7323% | 4,382 |
| Cost of funding earning assets | 0.8578% | 4,999 |
| Net interest margin | 3.8744% | 3,416 |
| Noninterest income to average assets | 0.1168% | 6,748 |
| Noninterest expense to average assets | 1.8592% | 6,998 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3293% | 1,247 |
| Return on assets (ROA) | 1.3293% | 1,326 |
| Pretax return on assets | 1.9490% | 644 |
| Return on Equity (ROE) | 13.4321% | 1,106 |
| Retained earnings to average equity (ytd only) | 13.4321% | 361 |
| Net charge-offs to loans | -0.1091% | 7,186 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8208% | 7,016 |
| Assets per employee ($millions) | 3.7678% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7425% | 6,962 |
| Loan loss allowance to noncurrent loans | 282.5000% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 6,656 |
| Noncurrent loans to loans | 0.2628% | 6,400 |
| Net loans and leases to total assets | 66.8200% | 2,857 |
| Net loans and leases to deposits | 75.0833% | 3,636 |
| Net loans and leases to core deposits | 76.0701% | 4,310 |
| Total domestic deposits to total assets | 88.9946% | 1,531 |
| Equity capital to assets | 10.1871% | 3,889 |
| Core capital (leverage) ratio | 10.1204% | 3,116 |
| Tier 1 risk-based capital ratio | 13.3946% | 4,617 |
| Total risk-based capital ratio | 14.0691% | 5,049 |
| Memoranda: | ||
| Average total assets | $22,267,330 | 7,301 |
| Average earning assets | $21,216,000 | 7,263 |
| Average equity | $2,203,670 | 7,316 |
| Average total loans | $14,666,670 | 7,053 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6599% | 4,701 |
| Cost of funding earning assets | 0.8939% | 4,964 |
| Net interest margin | 3.7660% | 3,777 |
| Noninterest income to average assets | 0.1448% | 6,684 |
| Noninterest expense to average assets | 1.7921% | 7,151 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3395% | 1,178 |
| Return on assets (ROA) | 1.3395% | 1,224 |
| Pretax return on assets | 1.9369% | 623 |
| Return on Equity (ROE) | 13.7419% | 1,036 |
| Retained earnings to average equity (ytd only) | 13.7419% | 499 |
| Net charge-offs to loans | -0.1390% | 7,179 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0583% | 7,111 |
| Assets per employee ($millions) | 3.7265% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7405% | 7,021 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 6,665 |
| Noncurrent loans to loans | 0.2962% | 6,393 |
| Net loans and leases to total assets | 65.9466% | 3,025 |
| Net loans and leases to deposits | 74.0880% | 3,749 |
| Net loans and leases to core deposits | 75.0611% | 4,417 |
| Total domestic deposits to total assets | 89.0111% | 1,765 |
| Equity capital to assets | 9.8037% | 4,032 |
| Core capital (leverage) ratio | 9.7190% | 3,495 |
| Tier 1 risk-based capital ratio | 13.2498% | 4,621 |
| Total risk-based capital ratio | 13.9218% | 5,069 |
| Memoranda: | ||
| Average total assets | $22,097,500 | 7,359 |
| Average earning assets | $21,030,500 | 7,320 |
| Average equity | $2,154,000 | 7,377 |
| Average total loans | $14,390,500 | 7,123 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8568% | 5,207 |
| Cost of funding earning assets | 1.1665% | 4,758 |
| Net interest margin | 3.6903% | 4,386 |
| Noninterest income to average assets | 0.1315% | 6,735 |
| Noninterest expense to average assets | 2.3430% | 6,232 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0045% | 2,026 |
| Return on assets (ROA) | 1.0083% | 2,121 |
| Pretax return on assets | 1.2762% | 1,996 |
| Return on Equity (ROE) | 9.5958% | 2,078 |
| Retained earnings to average equity (ytd only) | 2.6423% | 4,011 |
| Net charge-offs to loans | 0.0612% | 6,175 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 32.6250% | 686 |
| Efficiency ratio | 64.8248% | 5,196 |
| Assets per employee ($millions) | 3.6393% | 4,607 |
| Cash dividends to net income (ytd only)* | 72.4638% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7540% | 7,054 |
| Loan loss allowance to noncurrent loans | 198.1132% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 6,630 |
| Noncurrent loans to loans | 0.3806% | 6,283 |
| Net loans and leases to total assets | 63.2946% | 4,008 |
| Net loans and leases to deposits | 70.5837% | 4,743 |
| Net loans and leases to core deposits | 71.5262% | 5,265 |
| Total domestic deposits to total assets | 89.6730% | 1,285 |
| Equity capital to assets | 9.6904% | 4,150 |
| Core capital (leverage) ratio | 10.3156% | 2,754 |
| Tier 1 risk-based capital ratio | 13.4217% | 4,277 |
| Total risk-based capital ratio | 14.0944% | 4,703 |
| Memoranda: | ||
| Average total assets | $20,529,000 | 7,455 |
| Average earning assets | $19,375,000 | 7,415 |
| Average equity | $2,157,200 | 7,481 |
| Average total loans | $13,070,200 | 7,251 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9153% | 5,198 |
| Cost of funding earning assets | 1.2061% | 4,838 |
| Net interest margin | 3.7093% | 4,359 |
| Noninterest income to average assets | 0.1254% | 6,926 |
| Noninterest expense to average assets | 2.0987% | 6,848 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1039% | 1,874 |
| Return on assets (ROA) | 1.1087% | 1,966 |
| Pretax return on assets | 1.5245% | 1,547 |
| Return on Equity (ROE) | 10.3340% | 1,993 |
| Retained earnings to average equity (ytd only) | 10.3340% | 719 |
| Net charge-offs to loans | 0.0726% | 5,789 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 32.8682% | 814 |
| Efficiency ratio | 58.0292% | 6,271 |
| Assets per employee ($millions) | 3.5385% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8158% | 6,970 |
| Loan loss allowance to noncurrent loans | 1,325.0000% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 7,261 |
| Noncurrent loans to loans | 0.0616% | 7,082 |
| Net loans and leases to total assets | 60.7037% | 4,778 |
| Net loans and leases to deposits | 68.6628% | 5,328 |
| Net loans and leases to core deposits | 69.6084% | 5,786 |
| Total domestic deposits to total assets | 88.4085% | 1,724 |
| Equity capital to assets | 10.6778% | 3,315 |
| Core capital (leverage) ratio | 11.0217% | 2,242 |
| Tier 1 risk-based capital ratio | 14.9956% | 3,255 |
| Total risk-based capital ratio | 15.7161% | 3,497 |
| Memoranda: | ||
| Average total assets | $20,202,250 | 7,558 |
| Average earning assets | $19,014,750 | 7,521 |
| Average equity | $2,167,500 | 7,577 |
| Average total loans | $12,856,250 | 7,353 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0191% | 4,857 |
| Cost of funding earning assets | 1.2171% | 5,036 |
| Net interest margin | 3.8020% | 3,884 |
| Noninterest income to average assets | 0.1309% | 6,934 |
| Noninterest expense to average assets | 2.0142% | 7,086 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2085% | 1,535 |
| Return on assets (ROA) | 1.2085% | 1,607 |
| Pretax return on assets | 1.6718% | 1,112 |
| Return on Equity (ROE) | 11.2447% | 1,670 |
| Retained earnings to average equity (ytd only) | 11.2447% | 607 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6448% | 6,800 |
| Assets per employee ($millions) | 3.4167% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8627% | 6,872 |
| Loan loss allowance to noncurrent loans | 1,412.5000% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 7,299 |
| Noncurrent loans to loans | 0.0611% | 7,161 |
| Net loans and leases to total assets | 63.3415% | 4,384 |
| Net loans and leases to deposits | 71.6532% | 5,050 |
| Net loans and leases to core deposits | 72.6759% | 5,602 |
| Total domestic deposits to total assets | 88.4000% | 1,778 |
| Equity capital to assets | 10.7512% | 3,125 |
| Core capital (leverage) ratio | 10.9371% | 2,285 |
| Tier 1 risk-based capital ratio | 14.7274% | 3,316 |
| Total risk-based capital ratio | 15.4985% | 3,545 |
| Memoranda: | ||
| Average total assets | $19,859,330 | 7,632 |
| Average earning assets | $18,569,000 | 7,597 |
| Average equity | $2,134,330 | 7,640 |
| Average total loans | $12,810,330 | 7,411 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 4,739 |
| Cost of funding earning assets | 1.2429% | 5,158 |
| Net interest margin | 3.8159% | 3,723 |
| Noninterest income to average assets | 0.1638% | 6,799 |
| Noninterest expense to average assets | 2.0267% | 7,111 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2693% | 1,364 |
| Return on assets (ROA) | 1.2693% | 1,437 |
| Pretax return on assets | 1.7196% | 1,021 |
| Return on Equity (ROE) | 11.8123% | 1,545 |
| Retained earnings to average equity (ytd only) | 11.8123% | 779 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0984% | 6,964 |
| Assets per employee ($millions) | 3.2915% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 6,835 |
| Loan loss allowance to noncurrent loans | 869.2308% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 7,316 |
| Noncurrent loans to loans | 0.1036% | 7,135 |
| Net loans and leases to total assets | 62.9399% | 4,547 |
| Net loans and leases to deposits | 71.1587% | 5,171 |
| Net loans and leases to core deposits | 71.1587% | 5,814 |
| Total domestic deposits to total assets | 88.4500% | 1,823 |
| Equity capital to assets | 10.7752% | 2,973 |
| Core capital (leverage) ratio | 10.6626% | 2,480 |
| Tier 1 risk-based capital ratio | 14.8662% | 3,173 |
| Total risk-based capital ratio | 15.6661% | 3,395 |
| Memoranda: | ||
| Average total assets | $19,539,000 | 7,730 |
| Average earning assets | $18,344,500 | 7,698 |
| Average equity | $2,099,500 | 7,732 |
| Average total loans | $12,666,500 | 7,517 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5449% | 3,904 |
| Cost of funding earning assets | 1.3877% | 5,983 |
| Net interest margin | 4.1572% | 2,216 |
| Noninterest income to average assets | 0.1316% | 7,096 |
| Noninterest expense to average assets | 2.6162% | 5,732 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0531% | 1,651 |
| Return on assets (ROA) | 1.0531% | 1,696 |
| Pretax return on assets | 1.4260% | 1,372 |
| Return on Equity (ROE) | 9.6415% | 1,798 |
| Retained earnings to average equity (ytd only) | 9.6415% | 410 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7218% | 5,641 |
| Assets per employee ($millions) | 3.8658% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8835% | 6,882 |
| Loan loss allowance to noncurrent loans | 706.2500% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 7,293 |
| Noncurrent loans to loans | 0.1251% | 7,111 |
| Net loans and leases to total assets | 65.5854% | 4,257 |
| Net loans and leases to deposits | 74.0782% | 5,027 |
| Net loans and leases to core deposits | 95.7694% | 4,488 |
| Total domestic deposits to total assets | 88.5354% | 1,712 |
| Equity capital to assets | 10.7145% | 2,954 |
| Core capital (leverage) ratio | 10.9990% | 2,223 |
| Tier 1 risk-based capital ratio | 14.1488% | 3,407 |
| Total risk-based capital ratio | 14.9334% | 3,633 |
| Memoranda: | ||
| Average total assets | $18,232,600 | 7,821 |
| Average earning assets | $17,150,800 | 7,786 |
| Average equity | $1,991,400 | 7,844 |
| Average total loans | $11,898,800 | 7,608 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5471% | 4,177 |
| Cost of funding earning assets | 1.4221% | 6,144 |
| Net interest margin | 4.1249% | 2,306 |
| Noninterest income to average assets | 0.1336% | 7,208 |
| Noninterest expense to average assets | 2.2867% | 6,739 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2621% | 1,314 |
| Return on assets (ROA) | 1.2621% | 1,379 |
| Pretax return on assets | 1.7447% | 892 |
| Return on Equity (ROE) | 11.4968% | 1,488 |
| Retained earnings to average equity (ytd only) | 11.4968% | 413 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7219% | 6,901 |
| Assets per employee ($millions) | 3.6308% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 6,699 |
| 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 | 67.5113% | 4,069 |
| Net loans and leases to deposits | 81.4515% | 4,121 |
| Net loans and leases to core deposits | 104.0407% | 3,930 |
| Total domestic deposits to total assets | 82.8853% | 4,280 |
| Equity capital to assets | 11.3143% | 2,734 |
| Core capital (leverage) ratio | 11.1875% | 2,269 |
| Tier 1 risk-based capital ratio | 14.5265% | 3,264 |
| Total risk-based capital ratio | 15.3403% | 3,437 |
| Memoranda: | ||
| Average total assets | $17,958,500 | 7,908 |
| Average earning assets | $16,969,500 | 7,872 |
| Average equity | $1,971,500 | 7,926 |
| Average total loans | $11,676,000 | 7,690 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5584% | 4,294 |
| Cost of funding earning assets | 1.4759% | 6,239 |
| Net interest margin | 4.0825% | 2,384 |
| Noninterest income to average assets | 0.1453% | 7,226 |
| Noninterest expense to average assets | 2.2243% | 6,993 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2854% | 1,262 |
| Return on assets (ROA) | 1.2854% | 1,351 |
| Pretax return on assets | 1.7548% | 921 |
| Return on Equity (ROE) | 11.8313% | 1,471 |
| Retained earnings to average equity (ytd only) | 11.8313% | 470 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8989% | 7,132 |
| Assets per employee ($millions) | 3.0097% | 6,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 6,535 |
| 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 | 65.0515% | 4,756 |
| Net loans and leases to deposits | 73.7136% | 5,494 |
| Net loans and leases to core deposits | 89.1545% | 5,616 |
| Total domestic deposits to total assets | 88.2490% | 1,649 |
| Equity capital to assets | 11.0311% | 2,892 |
| Core capital (leverage) ratio | 10.9249% | 2,463 |
| Tier 1 risk-based capital ratio | 14.4915% | 3,246 |
| Total risk-based capital ratio | 15.3261% | 3,411 |
| Memoranda: | ||
| Average total assets | $17,893,330 | 7,989 |
| Average earning assets | $16,803,330 | 7,951 |
| Average equity | $1,944,000 | 8,015 |
| Average total loans | $11,445,000 | 7,785 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5222% | 4,799 |
| Cost of funding earning assets | 1.5606% | 6,195 |
| Net interest margin | 3.9616% | 2,808 |
| Noninterest income to average assets | 0.1797% | 7,012 |
| Noninterest expense to average assets | 2.1111% | 7,090 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3475% | 1,266 |
| Return on assets (ROA) | 1.3475% | 1,361 |
| Pretax return on assets | 1.7742% | 1,031 |
| Return on Equity (ROE) | 12.5000% | 1,515 |
| Retained earnings to average equity (ytd only) | 12.5000% | 713 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3353% | 7,187 |
| Assets per employee ($millions) | 3.0353% | 6,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 6,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 61.4814% | 5,418 |
| Net loans and leases to deposits | 69.4258% | 6,035 |
| Net loans and leases to core deposits | 80.8506% | 6,321 |
| Total domestic deposits to total assets | 88.5570% | 1,454 |
| Equity capital to assets | 10.6908% | 3,298 |
| Core capital (leverage) ratio | 10.6546% | 2,782 |
| Tier 1 risk-based capital ratio | 14.6458% | 3,233 |
| Total risk-based capital ratio | 15.5141% | 3,377 |
| Memoranda: | ||
| Average total assets | $17,811,000 | 8,041 |
| Average earning assets | $16,660,000 | 8,012 |
| Average equity | $1,920,000 | 8,067 |
| Average total loans | $11,237,500 | 7,845 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0545% | 5,274 |
| Cost of funding earning assets | 2.3151% | 5,082 |
| Net interest margin | 3.7393% | 4,280 |
| Noninterest income to average assets | 0.1342% | 7,435 |
| Noninterest expense to average assets | 2.5850% | 5,703 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8403% | 3,266 |
| Return on assets (ROA) | 0.8403% | 3,097 |
| Pretax return on assets | 1.0270% | 3,277 |
| Return on Equity (ROE) | 7.9973% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.9973% | 845 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5670% | 4,018 |
| Assets per employee ($millions) | 2.9017% | 6,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 5,912 |
| Loan loss allowance to noncurrent loans | 1,614.2857% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 7,432 |
| Noncurrent loans to loans | 0.0627% | 7,252 |
| Net loans and leases to total assets | 63.4808% | 5,374 |
| Net loans and leases to deposits | 72.7728% | 5,969 |
| Net loans and leases to core deposits | 85.1333% | 6,198 |
| Total domestic deposits to total assets | 87.2315% | 1,824 |
| Equity capital to assets | 10.8731% | 3,142 |
| Core capital (leverage) ratio | 10.6251% | 2,883 |
| Tier 1 risk-based capital ratio | 14.3971% | 3,340 |
| Total risk-based capital ratio | 15.2784% | 3,454 |
| Memoranda: | ||
| Average total assets | $17,137,400 | 8,098 |
| Average earning assets | $15,938,600 | 8,074 |
| Average equity | $1,800,600 | 8,158 |
| Average total loans | $10,707,000 | 7,908 |