Home > The Walton State Bank > Performance and Condition Ratios
The Walton State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0880% | 3,827 |
| Cost of funding earning assets | 0.3594% | 4,327 |
| Net interest margin | 3.7286% | 1,701 |
| Noninterest income to average assets | 1.2200% | 490 |
| Noninterest expense to average assets | 3.5443% | 551 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.7380% | 3,085 |
| Return on assets (ROA) | 0.7380% | 3,064 |
| Pretax return on assets | 0.9814% | 2,719 |
| Return on Equity (ROE) | 5.4700% | 3,630 |
| Retained earnings to average equity (ytd only) | 5.4661% | 2,416 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.2085% | 1,143 |
| Assets per employee ($millions) | 3.3508% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3428% | 4,411 |
| Loan loss allowance to noncurrent loans | 7.2727% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.1415% | 397 |
| Noncurrent loans to loans | 4.7129% | 59 |
| Net loans and leases to total assets | 17.3500% | 4,419 |
| Net loans and leases to deposits | 22.3503% | 4,413 |
| Net loans and leases to core deposits | 22.3503% | 4,444 |
| Total domestic deposits to total assets | 77.6500% | 3,771 |
| Equity capital to assets | 22.0846% | 233 |
| Core capital (leverage) ratio | 16.1732% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.8350% | 86 |
| Memoranda: | ||
| Average total assets | $12,329,800 | 4,557 |
| Average earning assets | $11,130,200 | 4,514 |
| Average equity | $1,664,800 | 4,505 |
| Average total loans | $2,883,200 | 4,466 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8323% | 4,084 |
| Cost of funding earning assets | 0.3032% | 4,357 |
| Net interest margin | 3.5291% | 2,149 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 3.3273% | 696 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.4422% | 3,886 |
| Return on assets (ROA) | 0.4422% | 3,888 |
| Pretax return on assets | 0.5306% | 3,860 |
| Return on Equity (ROE) | 3.9800% | 3,984 |
| Retained earnings to average equity (ytd only) | 3.9770% | 3,265 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.7550% | 527 |
| Assets per employee ($millions) | 3.5110% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0677% | 4,477 |
| Loan loss allowance to noncurrent loans | 1.7857% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.1037% | 437 |
| Noncurrent loans to loans | 3.7889% | 88 |
| Net loans and leases to total assets | 21.0300% | 4,428 |
| Net loans and leases to deposits | 26.5695% | 4,412 |
| Net loans and leases to core deposits | 26.5695% | 4,413 |
| Total domestic deposits to total assets | 79.1700% | 3,663 |
| Equity capital to assets | 20.7135% | 268 |
| Core capital (leverage) ratio | 17.5941% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.9397% | 116 |
| Memoranda: | ||
| Average total assets | $12,061,500 | 4,581 |
| Average earning assets | $10,994,000 | 4,541 |
| Average equity | $1,341,000 | 4,539 |
| Average total loans | $3,020,500 | 4,492 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7286% | 4,113 |
| Cost of funding earning assets | 0.2663% | 4,362 |
| Net interest margin | 3.4623% | 2,360 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 3.3156% | 678 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.4210% | 3,968 |
| Return on assets (ROA) | 0.4210% | 3,971 |
| Pretax return on assets | 0.4912% | 3,981 |
| Return on Equity (ROE) | 5.8700% | 3,723 |
| Retained earnings to average equity (ytd only) | 5.8656% | 2,671 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.3014% | 484 |
| Assets per employee ($millions) | 3.6613% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 708 |
| Loan loss allowance to noncurrent loans | 41.7391% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.5750% | 223 |
| Noncurrent loans to loans | 4.1322% | 80 |
| Net loans and leases to total assets | 24.9000% | 4,407 |
| Net loans and leases to deposits | 27.0551% | 4,426 |
| Net loans and leases to core deposits | 27.0551% | 4,434 |
| Total domestic deposits to total assets | 92.0300% | 406 |
| Equity capital to assets | 7.8478% | 3,314 |
| Core capital (leverage) ratio | 7.8499% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3693% | 416 |
| Memoranda: | ||
| Average total assets | $11,400,667 | 4,610 |
| Average earning assets | $10,513,333 | 4,569 |
| Average equity | $818,333 | 4,579 |
| Average total loans | $3,042,000 | 4,526 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6294% | 4,122 |
| Cost of funding earning assets | 0.2245% | 4,336 |
| Net interest margin | 3.4049% | 2,620 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 3.2389% | 757 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.3790% | 4,120 |
| Return on assets (ROA) | 0.3790% | 4,069 |
| Pretax return on assets | 0.4824% | 4,016 |
| Return on Equity (ROE) | 5.5200% | 3,798 |
| Retained earnings to average equity (ytd only) | 5.5242% | 2,881 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.4545% | 531 |
| Assets per employee ($millions) | 3.8190% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 1,088 |
| Loan loss allowance to noncurrent loans | 22.6415% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 2.3566% | 85 |
| Noncurrent loans to loans | 6.8988% | 33 |
| Net loans and leases to total assets | 26.4000% | 4,437 |
| Net loans and leases to deposits | 28.4251% | 4,474 |
| Net loans and leases to core deposits | 28.4251% | 4,477 |
| Total domestic deposits to total assets | 92.8900% | 323 |
| Equity capital to assets | 7.0001% | 3,831 |
| Core capital (leverage) ratio | 6.8835% | 4,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2713% | 634 |
| Memoranda: | ||
| Average total assets | $11,609,000 | 4,672 |
| Average earning assets | $10,690,500 | 4,638 |
| Average equity | $796,500 | 4,651 |
| Average total loans | $3,171,500 | 4,595 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 1,937 |
| Cost of funding earning assets | 0.1593% | 4,062 |
| Net interest margin | 3.7607% | 1,241 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 3.3877% | 554 |
| Loan and lease loss provision to assets | 0.3100% | 263 |
| Net operating income to assets | 0.3609% | 4,297 |
| Return on assets (ROA) | 0.3609% | 4,262 |
| Pretax return on assets | 0.4676% | 4,213 |
| Return on Equity (ROE) | 5.6900% | 3,885 |
| Retained earnings to average equity (ytd only) | 5.0414% | 3,032 |
| Net charge-offs to loans | 1.1413% | 59 |
| Credit loss provision to net charge-offs | 92.6829% | 1,619 |
| Earnings coverage of net charge-offs (x) | 2.3171% | 2,510 |
| Efficiency ratio | 81.2992% | 634 |
| Assets per employee ($millions) | 3.9203% | 4,312 |
| Cash dividends to net income (ytd only)* | 11.3636% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 1,473 |
| Loan loss allowance to noncurrent loans | 21.6981% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 2.2957% | 99 |
| Noncurrent loans to loans | 6.4832% | 37 |
| Net loans and leases to total assets | 27.4100% | 4,449 |
| Net loans and leases to deposits | 29.4268% | 4,481 |
| Net loans and leases to core deposits | 29.4268% | 4,490 |
| Total domestic deposits to total assets | 93.1600% | 373 |
| Equity capital to assets | 6.7256% | 3,802 |
| Core capital (leverage) ratio | 6.4163% | 4,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5047% | 670 |
| Memoranda: | ||
| Average total assets | $12,191,200 | 4,705 |
| Average earning assets | $11,301,200 | 4,672 |
| Average equity | $773,600 | 4,705 |
| Average total loans | $3,592,400 | 4,628 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7108% | 2,015 |
| Cost of funding earning assets | 0.1522% | 3,828 |
| Net interest margin | 3.5587% | 1,493 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 3.2740% | 618 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.4228% | 4,202 |
| Return on assets (ROA) | 0.4228% | 4,146 |
| Pretax return on assets | 0.5204% | 4,116 |
| Return on Equity (ROE) | 6.7600% | 3,638 |
| Retained earnings to average equity (ytd only) | 6.7597% | 2,459 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.0704% | 493 |
| Assets per employee ($millions) | 4.3713% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6423% | 985 |
| Loan loss allowance to noncurrent loans | 25.3521% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 2.0665% | 122 |
| Noncurrent loans to loans | 6.4781% | 35 |
| Net loans and leases to total assets | 24.6600% | 4,531 |
| Net loans and leases to deposits | 26.3269% | 4,557 |
| Net loans and leases to core deposits | 26.3269% | 4,556 |
| Total domestic deposits to total assets | 93.6700% | 418 |
| Equity capital to assets | 6.0317% | 3,948 |
| Core capital (leverage) ratio | 6.0748% | 4,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3497% | 811 |
| Memoranda: | ||
| Average total assets | $12,298,750 | 4,743 |
| Average earning assets | $11,389,750 | 4,710 |
| Average equity | $769,250 | 4,744 |
| Average total loans | $3,673,000 | 4,665 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5754% | 1,917 |
| Cost of funding earning assets | 0.1617% | 3,422 |
| Net interest margin | 3.4137% | 1,558 |
| Noninterest income to average assets | 0.5820% | 1,817 |
| Noninterest expense to average assets | 3.2427% | 591 |
| Loan and lease loss provision to assets | 0.0499% | 1,685 |
| Net operating income to assets | 0.3492% | 4,209 |
| Return on assets (ROA) | 0.3492% | 4,163 |
| Pretax return on assets | 0.4490% | 4,084 |
| Return on Equity (ROE) | 5.5118% | 3,699 |
| Retained earnings to average equity (ytd only) | 5.5118% | 2,505 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6667% | 551 |
| Assets per employee ($millions) | 4.1520% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 1,240 |
| Loan loss allowance to noncurrent loans | 24.4131% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 2.1757% | 110 |
| Noncurrent loans to loans | 6.4041% | 32 |
| Net loans and leases to total assets | 26.2845% | 4,553 |
| Net loans and leases to deposits | 28.1925% | 4,584 |
| Net loans and leases to core deposits | 28.1925% | 4,593 |
| Total domestic deposits to total assets | 93.2322% | 456 |
| Equity capital to assets | 6.2058% | 4,132 |
| Core capital (leverage) ratio | 6.3564% | 4,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3028% | 810 |
| Memoranda: | ||
| Average total assets | $12,027,000 | 4,769 |
| Average earning assets | $11,131,667 | 4,753 |
| Average equity | $762,000 | 4,768 |
| Average total loans | $3,801,333 | 4,726 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6152% | 1,462 |
| Cost of funding earning assets | 0.1863% | 2,993 |
| Net interest margin | 3.4288% | 1,237 |
| Noninterest income to average assets | 0.5418% | 1,941 |
| Noninterest expense to average assets | 3.2169% | 588 |
| Loan and lease loss provision to assets | 0.0677% | 1,208 |
| Net operating income to assets | 0.3048% | 4,134 |
| Return on assets (ROA) | 0.3048% | 4,105 |
| Pretax return on assets | 0.3725% | 4,080 |
| Return on Equity (ROE) | 4.7588% | 3,681 |
| Retained earnings to average equity (ytd only) | 4.7588% | 2,679 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9630% | 641 |
| Assets per employee ($millions) | 4.1077% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 1,853 |
| Loan loss allowance to noncurrent loans | 23.9437% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 2.1991% | 124 |
| Noncurrent loans to loans | 5.9085% | 46 |
| Net loans and leases to total assets | 28.8404% | 4,480 |
| Net loans and leases to deposits | 31.0339% | 4,521 |
| Net loans and leases to core deposits | 31.0339% | 4,559 |
| Total domestic deposits to total assets | 92.9319% | 288 |
| Equity capital to assets | 6.1754% | 4,544 |
| Core capital (leverage) ratio | 6.2541% | 4,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8823% | 775 |
| Memoranda: | ||
| Average total assets | $11,812,500 | 4,795 |
| Average earning assets | $10,732,500 | 4,782 |
| Average equity | $756,500 | 4,793 |
| Average total loans | $4,039,000 | 4,754 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0230% | 1,308 |
| Cost of funding earning assets | 0.2143% | 3,325 |
| Net interest margin | 3.8087% | 988 |
| Noninterest income to average assets | 0.4950% | 2,592 |
| Noninterest expense to average assets | 3.3239% | 605 |
| Loan and lease loss provision to assets | 0.0884% | 1,401 |
| Net operating income to assets | 0.3978% | 4,280 |
| Return on assets (ROA) | 0.3978% | 4,310 |
| Pretax return on assets | 0.5393% | 4,197 |
| Return on Equity (ROE) | 6.1141% | 3,754 |
| Retained earnings to average equity (ytd only) | 4.8913% | 2,827 |
| Net charge-offs to loans | 0.0207% | 1,857 |
| Credit loss provision to net charge-offs | 1,000.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 1,063 |
| Efficiency ratio | 84.1163% | 564 |
| Assets per employee ($millions) | 3.7673% | 4,508 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,377 |
| Loan loss allowance to noncurrent loans | 23.0047% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 2.3978% | 115 |
| Noncurrent loans to loans | 4.7619% | 81 |
| Net loans and leases to total assets | 39.1435% | 4,141 |
| Net loans and leases to deposits | 42.4935% | 4,251 |
| Net loans and leases to core deposits | 42.4935% | 4,326 |
| Total domestic deposits to total assets | 92.1164% | 150 |
| Equity capital to assets | 6.6537% | 4,768 |
| Core capital (leverage) ratio | 6.4219% | 4,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1789% | 544 |
| Memoranda: | ||
| Average total assets | $11,312,000 | 4,838 |
| Average earning assets | $10,266,000 | 4,825 |
| Average equity | $736,000 | 4,837 |
| Average total loans | $4,832,200 | 4,794 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4910% | 4,574 |
| Cost of funding earning assets | 0.2217% | 3,405 |
| Net interest margin | 2.2693% | 4,514 |
| Noninterest income to average assets | 1.8383% | 387 |
| Noninterest expense to average assets | 3.2524% | 646 |
| Loan and lease loss provision to assets | 0.0795% | 1,487 |
| Net operating income to assets | 0.3889% | 4,387 |
| Return on assets (ROA) | 0.3889% | 4,420 |
| Pretax return on assets | 0.5538% | 4,295 |
| Return on Equity (ROE) | 6.0108% | 3,914 |
| Retained earnings to average equity (ytd only) | 4.9179% | 3,247 |
| Net charge-offs to loans | 0.0271% | 1,504 |
| Credit loss provision to net charge-offs | 700.0000% | 639 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 1,196 |
| Efficiency ratio | 83.6364% | 540 |
| Assets per employee ($millions) | 3.8890% | 4,509 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 4,130 |
| Loan loss allowance to noncurrent loans | 21.5962% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 2.3228% | 142 |
| Noncurrent loans to loans | 4.2112% | 113 |
| Net loans and leases to total assets | 42.9588% | 4,026 |
| Net loans and leases to deposits | 46.6276% | 4,204 |
| Net loans and leases to core deposits | 46.6276% | 4,299 |
| Total domestic deposits to total assets | 92.1317% | 100 |
| Equity capital to assets | 6.3684% | 4,873 |
| Core capital (leverage) ratio | 6.3423% | 4,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8854% | 611 |
| Memoranda: | ||
| Average total assets | $11,314,500 | 4,912 |
| Average earning assets | $10,223,250 | 4,901 |
| Average equity | $732,000 | 4,910 |
| Average total loans | $4,922,000 | 4,862 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4833% | 4,627 |
| Cost of funding earning assets | 0.2403% | 3,372 |
| Net interest margin | 2.2430% | 4,565 |
| Noninterest income to average assets | 1.9291% | 350 |
| Noninterest expense to average assets | 3.2687% | 644 |
| Loan and lease loss provision to assets | 0.0714% | 1,631 |
| Net operating income to assets | 0.3930% | 4,397 |
| Return on assets (ROA) | 0.3930% | 4,435 |
| Pretax return on assets | 0.5894% | 4,251 |
| Return on Equity (ROE) | 6.0412% | 3,898 |
| Retained earnings to average equity (ytd only) | 6.0412% | 2,786 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1818% | 601 |
| Assets per employee ($millions) | 3.8893% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8255% | 4,329 |
| Loan loss allowance to noncurrent loans | 20.6573% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 2.3226% | 161 |
| Noncurrent loans to loans | 3.9962% | 137 |
| Net loans and leases to total assets | 45.3034% | 3,955 |
| Net loans and leases to deposits | 49.2775% | 4,151 |
| Net loans and leases to core deposits | 49.2775% | 4,262 |
| Total domestic deposits to total assets | 91.9352% | 140 |
| Equity capital to assets | 6.3336% | 4,904 |
| Core capital (leverage) ratio | 6.2521% | 4,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4874% | 649 |
| Memoranda: | ||
| Average total assets | $11,197,000 | 4,948 |
| Average earning assets | $9,986,667 | 4,936 |
| Average equity | $728,333 | 4,946 |
| Average total loans | $4,876,667 | 4,904 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3564% | 4,736 |
| Cost of funding earning assets | 0.2844% | 3,151 |
| Net interest margin | 2.0720% | 4,693 |
| Noninterest income to average assets | 2.1165% | 346 |
| Noninterest expense to average assets | 3.2112% | 708 |
| Loan and lease loss provision to assets | 0.1460% | 904 |
| Net operating income to assets | 0.4744% | 4,228 |
| Return on assets (ROA) | 0.4744% | 4,263 |
| Pretax return on assets | 0.6204% | 4,165 |
| Return on Equity (ROE) | 7.1923% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.1923% | 2,512 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7339% | 777 |
| Assets per employee ($millions) | 4.0040% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 4,424 |
| Loan loss allowance to noncurrent loans | 20.6573% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 2.2561% | 200 |
| Noncurrent loans to loans | 3.8302% | 150 |
| Net loans and leases to total assets | 45.9291% | 3,964 |
| Net loans and leases to deposits | 49.4443% | 4,194 |
| Net loans and leases to core deposits | 49.4443% | 4,327 |
| Total domestic deposits to total assets | 92.8904% | 40 |
| Equity capital to assets | 6.0689% | 4,936 |
| Core capital (leverage) ratio | 6.5711% | 4,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4782% | 629 |
| Memoranda: | ||
| Average total assets | $10,961,500 | 4,977 |
| Average earning assets | $9,845,500 | 4,963 |
| Average equity | $723,000 | 4,974 |
| Average total loans | $4,650,000 | 4,931 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3446% | 4,271 |
| Cost of funding earning assets | 0.4004% | 3,575 |
| Net interest margin | 2.9442% | 4,023 |
| Noninterest income to average assets | 0.9795% | 1,089 |
| Noninterest expense to average assets | 3.4698% | 723 |
| Loan and lease loss provision to assets | 0.0104% | 4,230 |
| Net operating income to assets | 0.0625% | 4,692 |
| Return on assets (ROA) | 0.0625% | 4,727 |
| Pretax return on assets | 0.1042% | 4,703 |
| Return on Equity (ROE) | 0.8387% | 4,694 |
| Retained earnings to average equity (ytd only) | 0.4193% | 4,389 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8023% | 221 |
| Assets per employee ($millions) | 3.3037% | 4,719 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 3,474 |
| Loan loss allowance to noncurrent loans | 34.7458% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.7758% | 352 |
| Noncurrent loans to loans | 3.1559% | 262 |
| Net loans and leases to total assets | 37.3121% | 4,554 |
| Net loans and leases to deposits | 40.2438% | 4,654 |
| Net loans and leases to core deposits | 40.2438% | 4,687 |
| Total domestic deposits to total assets | 92.7152% | 25 |
| Equity capital to assets | 7.2344% | 4,883 |
| Core capital (leverage) ratio | 7.2578% | 4,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7941% | 603 |
| Memoranda: | ||
| Average total assets | $9,597,000 | 5,002 |
| Average earning assets | $8,491,200 | 4,989 |
| Average equity | $715,400 | 4,998 |
| Average total loans | $3,317,000 | 4,963 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4032% | 4,343 |
| Cost of funding earning assets | 0.4254% | 3,666 |
| Net interest margin | 2.9778% | 4,026 |
| Noninterest income to average assets | 0.8965% | 1,231 |
| Noninterest expense to average assets | 3.4318% | 769 |
| Loan and lease loss provision to assets | 0.0105% | 4,170 |
| Net operating income to assets | 0.0420% | 4,744 |
| Return on assets (ROA) | 0.0420% | 4,767 |
| Pretax return on assets | 0.0981% | 4,728 |
| Return on Equity (ROE) | 0.5594% | 4,745 |
| Retained earnings to average equity (ytd only) | 0.5594% | 4,372 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8379% | 210 |
| Assets per employee ($millions) | 3.2233% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 2,866 |
| Loan loss allowance to noncurrent loans | 31.0606% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 1.9648% | 342 |
| Noncurrent loans to loans | 3.7489% | 188 |
| Net loans and leases to total assets | 35.9876% | 4,684 |
| Net loans and leases to deposits | 38.9175% | 4,778 |
| Net loans and leases to core deposits | 38.9175% | 4,811 |
| Total domestic deposits to total assets | 92.4716% | 26 |
| Equity capital to assets | 7.4147% | 4,876 |
| Core capital (leverage) ratio | 7.2895% | 4,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5532% | 482 |
| Memoranda: | ||
| Average total assets | $9,518,500 | 5,033 |
| Average earning assets | $8,462,500 | 5,021 |
| Average equity | $715,000 | 5,030 |
| Average total loans | $3,211,500 | 4,996 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5031% | 4,401 |
| Cost of funding earning assets | 0.4467% | 3,809 |
| Net interest margin | 3.0564% | 3,998 |
| Noninterest income to average assets | 0.8238% | 1,363 |
| Noninterest expense to average assets | 3.4432% | 801 |
| Loan and lease loss provision to assets | 0.0211% | 3,981 |
| Net operating income to assets | 0.0211% | 4,762 |
| Return on assets (ROA) | 0.0211% | 4,785 |
| Pretax return on assets | 0.1056% | 4,718 |
| Return on Equity (ROE) | 0.2800% | 4,768 |
| Retained earnings to average equity (ytd only) | 0.2800% | 4,250 |
| Net charge-offs to loans | 0.0643% | 1,600 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,473 |
| Efficiency ratio | 96.4497% | 234 |
| Assets per employee ($millions) | 3.3817% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 2,726 |
| Loan loss allowance to noncurrent loans | 28.1690% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.9714% | 371 |
| Noncurrent loans to loans | 4.1207% | 161 |
| Net loans and leases to total assets | 33.5732% | 4,792 |
| Net loans and leases to deposits | 36.1955% | 4,858 |
| Net loans and leases to core deposits | 36.1955% | 4,878 |
| Total domestic deposits to total assets | 92.7551% | 22 |
| Equity capital to assets | 7.0478% | 4,966 |
| Core capital (leverage) ratio | 7.2398% | 4,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1666% | 491 |
| Memoranda: | ||
| Average total assets | $9,468,000 | 5,066 |
| Average earning assets | $8,506,667 | 5,053 |
| Average equity | $714,333 | 5,063 |
| Average total loans | $3,108,333 | 5,030 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6388% | 4,485 |
| Cost of funding earning assets | 0.4788% | 4,035 |
| Net interest margin | 3.1600% | 3,958 |
| Noninterest income to average assets | 0.7010% | 1,644 |
| Noninterest expense to average assets | 3.5051% | 929 |
| Loan and lease loss provision to assets | 0.0438% | 3,230 |
| Net operating income to assets | 0.0438% | 4,719 |
| Return on assets (ROA) | 0.0438% | 4,712 |
| Pretax return on assets | 0.0438% | 4,707 |
| Return on Equity (ROE) | 0.5602% | 4,685 |
| Retained earnings to average equity (ytd only) | 0.5602% | 3,857 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5610% | 285 |
| Assets per employee ($millions) | 3.0130% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 1,639 |
| Loan loss allowance to noncurrent loans | 28.8732% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 2.2126% | 342 |
| Noncurrent loans to loans | 4.9067% | 129 |
| Net loans and leases to total assets | 31.5632% | 4,876 |
| Net loans and leases to deposits | 34.3115% | 4,930 |
| Net loans and leases to core deposits | 34.3115% | 4,944 |
| Total domestic deposits to total assets | 91.9903% | 38 |
| Equity capital to assets | 7.9102% | 4,988 |
| Core capital (leverage) ratio | 7.7081% | 5,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5643% | 524 |
| Memoranda: | ||
| Average total assets | $9,129,500 | 5,116 |
| Average earning assets | $8,354,500 | 5,103 |
| Average equity | $714,000 | 5,113 |
| Average total loans | $2,939,500 | 5,078 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 4,662 |
| Cost of funding earning assets | 0.3983% | 4,445 |
| Net interest margin | 3.3149% | 3,960 |
| Noninterest income to average assets | 0.8652% | 1,259 |
| Noninterest expense to average assets | 3.6338% | 824 |
| Loan and lease loss provision to assets | 0.0324% | 3,363 |
| Net operating income to assets | 0.2379% | 4,811 |
| Return on assets (ROA) | 0.2379% | 4,831 |
| Pretax return on assets | 0.2596% | 4,849 |
| Return on Equity (ROE) | 3.1030% | 4,648 |
| Retained earnings to average equity (ytd only) | 1.8336% | 4,066 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5620% | 275 |
| Assets per employee ($millions) | 3.0733% | 4,788 |
| Cash dividends to net income (ytd only)* | 40.9091% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 1,743 |
| Loan loss allowance to noncurrent loans | 28.1690% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 2.1692% | 347 |
| Noncurrent loans to loans | 4.7571% | 115 |
| Net loans and leases to total assets | 31.9414% | 4,937 |
| Net loans and leases to deposits | 34.6634% | 4,991 |
| Net loans and leases to core deposits | 34.6634% | 5,008 |
| Total domestic deposits to total assets | 92.1475% | 30 |
| Equity capital to assets | 7.7332% | 5,090 |
| Core capital (leverage) ratio | 7.5956% | 5,093 |
| Tier 1 risk-based capital ratio | 20.8114% | 1,202 |
| Total risk-based capital ratio | 21.9790% | 1,178 |
| Memoranda: | ||
| Average total assets | $9,246,600 | 5,173 |
| Average earning assets | $8,537,200 | 5,163 |
| Average equity | $709,000 | 5,175 |
| Average total loans | $3,129,600 | 5,139 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7182% | 4,764 |
| Cost of funding earning assets | 0.3734% | 4,586 |
| Net interest margin | 3.3448% | 4,002 |
| Noninterest income to average assets | 0.8933% | 1,156 |
| Noninterest expense to average assets | 3.6886% | 762 |
| Loan and lease loss provision to assets | 0.0289% | 3,326 |
| Net operating income to assets | 0.2594% | 4,889 |
| Return on assets (ROA) | 0.2594% | 4,906 |
| Pretax return on assets | 0.2737% | 4,921 |
| Return on Equity (ROE) | 3.3898% | 4,701 |
| Retained earnings to average equity (ytd only) | 2.8249% | 3,962 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4188% | 261 |
| Assets per employee ($millions) | 3.0053% | 4,889 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,143 |
| Loan loss allowance to noncurrent loans | 26.8966% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 2.2516% | 342 |
| Noncurrent loans to loans | 4.7032% | 118 |
| Net loans and leases to total assets | 33.7622% | 4,993 |
| Net loans and leases to deposits | 36.7455% | 5,051 |
| Net loans and leases to core deposits | 36.7455% | 5,071 |
| Total domestic deposits to total assets | 91.8811% | 43 |
| Equity capital to assets | 7.9414% | 5,143 |
| Core capital (leverage) ratio | 7.9893% | 5,121 |
| Tier 1 risk-based capital ratio | 20.3698% | 1,308 |
| Total risk-based capital ratio | 21.4794% | 1,301 |
| Memoranda: | ||
| Average total assets | $9,253,250 | 5,251 |
| Average earning assets | $8,570,250 | 5,241 |
| Average equity | $708,000 | 5,253 |
| Average total loans | $3,165,750 | 5,217 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 4,780 |
| Cost of funding earning assets | 0.3486% | 4,684 |
| Net interest margin | 3.3934% | 3,913 |
| Noninterest income to average assets | 0.6429% | 1,955 |
| Noninterest expense to average assets | 3.4932% | 968 |
| Loan and lease loss provision to assets | 0.0429% | 2,964 |
| Net operating income to assets | 0.2143% | 4,978 |
| Return on assets (ROA) | 0.2143% | 4,988 |
| Pretax return on assets | 0.2357% | 4,995 |
| Return on Equity (ROE) | 2.8356% | 4,817 |
| Retained earnings to average equity (ytd only) | 1.9849% | 4,117 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6136% | 267 |
| Assets per employee ($millions) | 3.0877% | 4,852 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 2,275 |
| Loan loss allowance to noncurrent loans | 27.4648% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 2.1591% | 398 |
| Noncurrent loans to loans | 4.5396% | 133 |
| Net loans and leases to total assets | 33.3477% | 5,040 |
| Net loans and leases to deposits | 36.1498% | 5,104 |
| Net loans and leases to core deposits | 36.1498% | 5,123 |
| Total domestic deposits to total assets | 92.2487% | 30 |
| Equity capital to assets | 7.6433% | 5,222 |
| Core capital (leverage) ratio | 7.4261% | 5,238 |
| Tier 1 risk-based capital ratio | 19.9831% | 1,353 |
| Total risk-based capital ratio | 21.0838% | 1,351 |
| Memoranda: | ||
| Average total assets | $9,332,330 | 5,298 |
| Average earning assets | $8,605,000 | 5,288 |
| Average equity | $705,330 | 5,301 |
| Average total loans | $3,193,330 | 5,266 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 4,855 |
| Cost of funding earning assets | 0.3231% | 4,767 |
| Net interest margin | 3.3697% | 3,975 |
| Noninterest income to average assets | 0.5978% | 2,054 |
| Noninterest expense to average assets | 3.4162% | 1,091 |
| Loan and lease loss provision to assets | 0.0427% | 2,783 |
| Net operating income to assets | 0.2562% | 4,951 |
| Return on assets (ROA) | 0.2562% | 4,958 |
| Pretax return on assets | 0.2562% | 4,992 |
| Return on Equity (ROE) | 3.4091% | 4,699 |
| Retained earnings to average equity (ytd only) | 3.4091% | 3,557 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9540% | 330 |
| Assets per employee ($millions) | 3.2360% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 2,505 |
| Loan loss allowance to noncurrent loans | 26.7606% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 2.0602% | 458 |
| Noncurrent loans to loans | 4.5353% | 148 |
| Net loans and leases to total assets | 31.8603% | 5,116 |
| Net loans and leases to deposits | 34.3896% | 5,165 |
| Net loans and leases to core deposits | 34.3896% | 5,186 |
| Total domestic deposits to total assets | 92.6452% | 34 |
| Equity capital to assets | 7.2827% | 5,287 |
| Core capital (leverage) ratio | 7.4366% | 5,293 |
| Tier 1 risk-based capital ratio | 19.1703% | 1,509 |
| Total risk-based capital ratio | 20.2007% | 1,522 |
| Memoranda: | ||
| Average total assets | $9,367,000 | 5,357 |
| Average earning assets | $8,665,500 | 5,346 |
| Average equity | $704,000 | 5,360 |
| Average total loans | $3,226,000 | 5,325 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5768% | 4,828 |
| Cost of funding earning assets | 0.2695% | 4,711 |
| Net interest margin | 3.3073% | 4,237 |
| Noninterest income to average assets | 0.8314% | 1,364 |
| Noninterest expense to average assets | 3.7912% | 693 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0665% | 5,202 |
| Return on assets (ROA) | 0.0665% | 5,195 |
| Pretax return on assets | 0.0333% | 5,211 |
| Return on Equity (ROE) | 0.8562% | 5,177 |
| Retained earnings to average equity (ytd only) | 0.5708% | 4,832 |
| Net charge-offs to loans | 0.0291% | 2,815 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,463 |
| Efficiency ratio | 99.1304% | 155 |
| Assets per employee ($millions) | 3.0087% | 4,988 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 3,012 |
| Loan loss allowance to noncurrent loans | 26.0563% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 2.2158% | 387 |
| Noncurrent loans to loans | 4.2758% | 162 |
| Net loans and leases to total assets | 36.3838% | 5,060 |
| Net loans and leases to deposits | 39.4617% | 5,130 |
| Net loans and leases to core deposits | 39.4617% | 5,167 |
| Total domestic deposits to total assets | 92.2003% | 58 |
| Equity capital to assets | 7.7665% | 5,229 |
| Core capital (leverage) ratio | 7.5718% | 5,316 |
| Tier 1 risk-based capital ratio | 19.1217% | 1,496 |
| Total risk-based capital ratio | 20.1309% | 1,503 |
| Memoranda: | ||
| Average total assets | $9,021,000 | 5,403 |
| Average earning assets | $8,163,800 | 5,392 |
| Average equity | $700,800 | 5,403 |
| Average total loans | $3,431,600 | 5,369 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5488% | 4,876 |
| Cost of funding earning assets | 0.2628% | 4,714 |
| Net interest margin | 3.2859% | 4,317 |
| Noninterest income to average assets | 0.9017% | 1,194 |
| Noninterest expense to average assets | 3.8728% | 610 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.0296% | 5,287 |
| Return on assets (ROA) | 0.0296% | 5,285 |
| Pretax return on assets | -0.0147% | 5,301 |
| Return on Equity (ROE) | 0.3810% | 5,277 |
| Retained earnings to average equity (ytd only) | 0.3810% | 4,971 |
| Net charge-offs to loans | 0.0384% | 2,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 3,437 |
| Efficiency ratio | 100.3831% | 150 |
| Assets per employee ($millions) | 2.9750% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 3,418 |
| Loan loss allowance to noncurrent loans | 29.3651% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 2.0616% | 509 |
| Noncurrent loans to loans | 3.6072% | 260 |
| Net loans and leases to total assets | 38.7227% | 5,063 |
| Net loans and leases to deposits | 42.0387% | 5,152 |
| Net loans and leases to core deposits | 42.0387% | 5,197 |
| Total domestic deposits to total assets | 92.1120% | 75 |
| Equity capital to assets | 7.8319% | 5,228 |
| Core capital (leverage) ratio | 7.8672% | 5,345 |
| Tier 1 risk-based capital ratio | 18.8308% | 1,581 |
| Total risk-based capital ratio | 19.8276% | 1,600 |
| Memoranda: | ||
| Average total assets | $9,019,750 | 5,474 |
| Average earning assets | $8,115,250 | 5,462 |
| Average equity | $700,750 | 5,474 |
| Average total loans | $3,459,250 | 5,439 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4851% | 4,941 |
| Cost of funding earning assets | 0.2472% | 4,756 |
| Net interest margin | 3.2379% | 4,419 |
| Noninterest income to average assets | 0.8838% | 1,229 |
| Noninterest expense to average assets | 3.6238% | 845 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2210% | 5,213 |
| Return on assets (ROA) | 0.2210% | 5,207 |
| Pretax return on assets | 0.1547% | 5,267 |
| Return on Equity (ROE) | 2.8517% | 5,049 |
| Retained earnings to average equity (ytd only) | 2.8517% | 4,114 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9064% | 225 |
| Assets per employee ($millions) | 2.9987% | 5,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 3,279 |
| Loan loss allowance to noncurrent loans | 3,800.0000% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 1,844 |
| Noncurrent loans to loans | 0.0289% | 4,794 |
| Net loans and leases to total assets | 38.0614% | 5,120 |
| Net loans and leases to deposits | 41.3327% | 5,212 |
| Net loans and leases to core deposits | 41.3327% | 5,259 |
| Total domestic deposits to total assets | 92.0854% | 82 |
| Equity capital to assets | 7.8590% | 5,273 |
| Core capital (leverage) ratio | 8.1339% | 5,300 |
| Tier 1 risk-based capital ratio | 18.6298% | 1,644 |
| Total risk-based capital ratio | 19.6311% | 1,667 |
| Memoranda: | ||
| Average total assets | $9,051,330 | 5,538 |
| Average earning assets | $8,091,670 | 5,525 |
| Average equity | $701,330 | 5,539 |
| Average total loans | $3,448,000 | 5,503 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4566% | 4,938 |
| Cost of funding earning assets | 0.2469% | 4,728 |
| Net interest margin | 3.2097% | 4,432 |
| Noninterest income to average assets | 0.8812% | 1,200 |
| Noninterest expense to average assets | 3.6127% | 859 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1322% | 5,308 |
| Return on assets (ROA) | 0.1322% | 5,303 |
| Pretax return on assets | 0.1322% | 5,321 |
| Return on Equity (ROE) | 1.7180% | 5,218 |
| Retained earnings to average equity (ytd only) | 1.7180% | 4,434 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4706% | 243 |
| Assets per employee ($millions) | 3.1707% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 3,393 |
| Loan loss allowance to noncurrent loans | 3,800.0000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 1.2300% | 1,225 |
| Noncurrent loans to loans | 0.0289% | 4,849 |
| Net loans and leases to total assets | 35.9651% | 5,211 |
| Net loans and leases to deposits | 38.8529% | 5,293 |
| Net loans and leases to core deposits | 38.8529% | 5,336 |
| Total domestic deposits to total assets | 92.5673% | 60 |
| Equity capital to assets | 7.3591% | 5,461 |
| Core capital (leverage) ratio | 7.9936% | 5,390 |
| Tier 1 risk-based capital ratio | 17.9166% | 1,860 |
| Total risk-based capital ratio | 18.8892% | 1,885 |
| Memoranda: | ||
| Average total assets | $9,079,000 | 5,602 |
| Average earning assets | $8,100,500 | 5,589 |
| Average equity | $698,500 | 5,602 |
| Average total loans | $3,441,000 | 5,566 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4511% | 4,858 |
| Cost of funding earning assets | 0.2088% | 4,877 |
| Net interest margin | 3.2423% | 4,327 |
| Noninterest income to average assets | 1.2945% | 632 |
| Noninterest expense to average assets | 4.0651% | 488 |
| Loan and lease loss provision to assets | 0.0114% | 4,056 |
| Net operating income to assets | 0.1817% | 5,142 |
| Return on assets (ROA) | 0.1817% | 5,156 |
| Pretax return on assets | 0.2157% | 5,297 |
| Return on Equity (ROE) | 2.3095% | 4,989 |
| Retained earnings to average equity (ytd only) | 1.5878% | 4,358 |
| Net charge-offs to loans | 0.0585% | 2,641 |
| Credit loss provision to net charge-offs | 50.0000% | 3,332 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,725 |
| Efficiency ratio | 94.7090% | 276 |
| Assets per employee ($millions) | 2.8820% | 5,272 |
| Cash dividends to net income (ytd only)* | 31.2500% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 3,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3417% | 1,070 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 39.1511% | 5,166 |
| Net loans and leases to deposits | 42.5947% | 5,278 |
| Net loans and leases to core deposits | 42.5947% | 5,328 |
| Total domestic deposits to total assets | 91.9153% | 87 |
| Equity capital to assets | 8.0615% | 5,370 |
| Core capital (leverage) ratio | 7.7384% | 5,512 |
| Tier 1 risk-based capital ratio | 18.7769% | 1,563 |
| Total risk-based capital ratio | 19.8006% | 1,584 |
| Memoranda: | ||
| Average total assets | $8,806,600 | 5,667 |
| Average earning assets | $8,142,400 | 5,653 |
| Average equity | $692,800 | 5,668 |
| Average total loans | $3,416,000 | 5,635 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4234% | 4,934 |
| Cost of funding earning assets | 0.1956% | 5,012 |
| Net interest margin | 3.2278% | 4,389 |
| Noninterest income to average assets | 1.3413% | 581 |
| Noninterest expense to average assets | 4.0994% | 462 |
| Loan and lease loss provision to assets | 0.0150% | 3,842 |
| Net operating income to assets | 0.1959% | 5,361 |
| Return on assets (ROA) | 0.1959% | 5,374 |
| Pretax return on assets | 0.2109% | 5,376 |
| Return on Equity (ROE) | 2.5052% | 5,223 |
| Retained earnings to average equity (ytd only) | 2.5052% | 4,394 |
| Net charge-offs to loans | 0.0782% | 2,022 |
| Credit loss provision to net charge-offs | 50.0000% | 2,907 |
| Earnings coverage of net charge-offs (x) | 7.4906% | 2,867 |
| Efficiency ratio | 94.7735% | 272 |
| Assets per employee ($millions) | 3.0127% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 3,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2945% | 1,241 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 38.8692% | 5,235 |
| Net loans and leases to deposits | 42.1526% | 5,361 |
| Net loans and leases to core deposits | 42.1526% | 5,413 |
| Total domestic deposits to total assets | 92.2107% | 51 |
| Equity capital to assets | 7.7340% | 5,590 |
| Core capital (leverage) ratio | 7.8495% | 5,556 |
| Tier 1 risk-based capital ratio | 18.0387% | 1,842 |
| Total risk-based capital ratio | 19.0194% | 1,870 |
| Memoranda: | ||
| Average total assets | $8,846,750 | 5,732 |
| Average earning assets | $8,178,750 | 5,717 |
| Average equity | $691,750 | 5,735 |
| Average total loans | $3,414,250 | 5,697 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4301% | 4,916 |
| Cost of funding earning assets | 0.1974% | 5,011 |
| Net interest margin | 3.2327% | 4,320 |
| Noninterest income to average assets | 1.0019% | 1,014 |
| Noninterest expense to average assets | 3.8028% | 669 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1594% | 5,444 |
| Return on assets (ROA) | 0.1594% | 5,445 |
| Pretax return on assets | 0.1822% | 5,442 |
| Return on Equity (ROE) | 2.0310% | 5,342 |
| Retained earnings to average equity (ytd only) | 2.0310% | 4,444 |
| Net charge-offs to loans | 0.0594% | 2,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,544 |
| Efficiency ratio | 95.4286% | 271 |
| Assets per employee ($millions) | 2.9640% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 3,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5182% | 992 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 37.7643% | 5,311 |
| Net loans and leases to deposits | 40.9762% | 5,424 |
| Net loans and leases to core deposits | 40.9762% | 5,473 |
| Total domestic deposits to total assets | 92.1615% | 60 |
| Equity capital to assets | 7.7935% | 5,598 |
| Core capital (leverage) ratio | 7.9545% | 5,552 |
| Tier 1 risk-based capital ratio | 18.7449% | 1,654 |
| Total risk-based capital ratio | 19.7728% | 1,670 |
| Memoranda: | ||
| Average total assets | $8,783,000 | 5,783 |
| Average earning assets | $8,104,670 | 5,769 |
| Average equity | $689,330 | 5,785 |
| Average total loans | $3,368,670 | 5,746 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4902% | 4,721 |
| Cost of funding earning assets | 0.1966% | 5,009 |
| Net interest margin | 3.2936% | 4,026 |
| Noninterest income to average assets | 1.0072% | 989 |
| Noninterest expense to average assets | 3.8913% | 606 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1373% | 5,467 |
| Return on assets (ROA) | 0.1373% | 5,477 |
| Pretax return on assets | 0.1831% | 5,453 |
| Return on Equity (ROE) | 1.7229% | 5,381 |
| Retained earnings to average equity (ytd only) | 1.7229% | 4,422 |
| Net charge-offs to loans | 0.1192% | 1,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,429 |
| Efficiency ratio | 95.5056% | 331 |
| Assets per employee ($millions) | 3.0107% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 3,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5943% | 979 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 37.2343% | 5,360 |
| Net loans and leases to deposits | 40.3625% | 5,460 |
| Net loans and leases to core deposits | 40.3625% | 5,511 |
| Total domestic deposits to total assets | 92.2498% | 82 |
| Equity capital to assets | 7.7281% | 5,625 |
| Core capital (leverage) ratio | 7.6957% | 5,664 |
| Tier 1 risk-based capital ratio | 18.5540% | 1,730 |
| Total risk-based capital ratio | 19.5641% | 1,742 |
| Memoranda: | ||
| Average total assets | $8,737,500 | 5,851 |
| Average earning assets | $8,137,000 | 5,836 |
| Average equity | $696,500 | 5,851 |
| Average total loans | $3,355,000 | 5,816 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3362% | 5,104 |
| Cost of funding earning assets | 0.1983% | 5,026 |
| Net interest margin | 3.1379% | 4,621 |
| Noninterest income to average assets | 0.8803% | 1,479 |
| Noninterest expense to average assets | 3.6379% | 964 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1167% | 5,544 |
| Return on assets (ROA) | 0.1167% | 5,571 |
| Pretax return on assets | 0.0955% | 5,597 |
| Return on Equity (ROE) | 1.5859% | 5,476 |
| Retained earnings to average equity (ytd only) | 1.1534% | 4,832 |
| Net charge-offs to loans | 0.0290% | 3,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,803 |
| Efficiency ratio | 97.4432% | 269 |
| Assets per employee ($millions) | 2.8143% | 5,478 |
| Cash dividends to net income (ytd only)* | 27.2727% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 3,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7056% | 902 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 38.7303% | 5,371 |
| Net loans and leases to deposits | 42.2099% | 5,485 |
| Net loans and leases to core deposits | 42.2099% | 5,543 |
| Total domestic deposits to total assets | 91.7565% | 133 |
| Equity capital to assets | 8.2317% | 5,455 |
| Core capital (leverage) ratio | 7.9474% | 5,643 |
| Tier 1 risk-based capital ratio | 19.4514% | 1,493 |
| Total risk-based capital ratio | 20.5430% | 1,484 |
| Memoranda: | ||
| Average total assets | $9,428,400 | 5,906 |
| Average earning assets | $8,572,600 | 5,892 |
| Average equity | $693,600 | 5,911 |
| Average total loans | $3,447,600 | 5,873 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3855% | 5,056 |
| Cost of funding earning assets | 0.2135% | 4,941 |
| Net interest margin | 3.1720% | 4,571 |
| Noninterest income to average assets | 0.8682% | 1,519 |
| Noninterest expense to average assets | 3.6245% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1378% | 5,571 |
| Return on assets (ROA) | 0.1378% | 5,628 |
| Pretax return on assets | 0.1102% | 5,668 |
| Return on Equity (ROE) | 1.9228% | 5,481 |
| Retained earnings to average equity (ytd only) | 1.9228% | 4,715 |
| Net charge-offs to loans | 0.0382% | 2,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.0226% | 2,818 |
| Efficiency ratio | 97.0480% | 285 |
| Assets per employee ($millions) | 2.7607% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 3,683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7387% | 970 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 41.2582% | 5,323 |
| Net loans and leases to deposits | 45.0613% | 5,484 |
| Net loans and leases to core deposits | 45.0613% | 5,549 |
| Total domestic deposits to total assets | 91.5600% | 111 |
| Equity capital to assets | 8.4158% | 5,579 |
| Core capital (leverage) ratio | 7.8713% | 5,732 |
| Tier 1 risk-based capital ratio | 19.0854% | 1,657 |
| Total risk-based capital ratio | 20.1533% | 1,654 |
| Memoranda: | ||
| Average total assets | $9,674,750 | 5,972 |
| Average earning assets | $8,743,000 | 5,957 |
| Average equity | $693,250 | 5,977 |
| Average total loans | $3,482,250 | 5,937 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3378% | 5,207 |
| Cost of funding earning assets | 0.1951% | 5,194 |
| Net interest margin | 3.1427% | 4,709 |
| Noninterest income to average assets | 0.7890% | 1,763 |
| Noninterest expense to average assets | 3.4717% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1973% | 5,526 |
| Return on assets (ROA) | 0.1973% | 5,584 |
| Pretax return on assets | 0.1775% | 5,647 |
| Return on Equity (ROE) | 2.8902% | 5,269 |
| Retained earnings to average equity (ytd only) | 2.8902% | 4,065 |
| Net charge-offs to loans | 0.0573% | 2,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,459 |
| Efficiency ratio | 95.1351% | 377 |
| Assets per employee ($millions) | 3.1503% | 5,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 3,929 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 1.6612% | 1,088 |
| Noncurrent loans to loans | 0.3678% | 4,045 |
| Net loans and leases to total assets | 36.9908% | 5,560 |
| Net loans and leases to deposits | 39.9497% | 5,693 |
| Net loans and leases to core deposits | 39.9497% | 5,747 |
| Total domestic deposits to total assets | 92.5934% | 46 |
| Equity capital to assets | 7.3749% | 5,933 |
| Core capital (leverage) ratio | 7.0913% | 5,939 |
| Tier 1 risk-based capital ratio | 17.1971% | 2,155 |
| Total risk-based capital ratio | 18.1594% | 2,208 |
| Memoranda: | ||
| Average total assets | $10,139,000 | 6,048 |
| Average earning assets | $9,227,670 | 6,035 |
| Average equity | $692,000 | 6,054 |
| Average total loans | $3,491,000 | 6,013 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2283% | 5,446 |
| Cost of funding earning assets | 0.1656% | 5,503 |
| Net interest margin | 3.0628% | 4,965 |
| Noninterest income to average assets | 0.7631% | 1,761 |
| Noninterest expense to average assets | 3.3578% | 1,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1908% | 5,543 |
| Return on assets (ROA) | 0.1908% | 5,599 |
| Pretax return on assets | 0.2289% | 5,609 |
| Return on Equity (ROE) | 2.9007% | 5,276 |
| Retained earnings to average equity (ytd only) | 2.9007% | 4,067 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6170% | 468 |
| Assets per employee ($millions) | 3.4533% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 3,837 |
| Loan loss allowance to noncurrent loans | 285.7143% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 1.4865% | 1,379 |
| Noncurrent loans to loans | 0.3989% | 4,004 |
| Net loans and leases to total assets | 33.4942% | 5,732 |
| Net loans and leases to deposits | 35.9213% | 5,831 |
| Net loans and leases to core deposits | 35.9213% | 5,861 |
| Total domestic deposits to total assets | 93.2432% | 38 |
| Equity capital to assets | 6.6795% | 6,028 |
| Core capital (leverage) ratio | 6.5561% | 6,027 |
| Tier 1 risk-based capital ratio | 15.9154% | 2,722 |
| Total risk-based capital ratio | 16.8353% | 2,801 |
| Memoranda: | ||
| Average total assets | $10,483,000 | 6,111 |
| Average earning assets | $9,664,500 | 6,095 |
| Average equity | $689,500 | 6,117 |
| Average total loans | $3,469,000 | 6,075 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4566% | 5,034 |
| Cost of funding earning assets | 0.1813% | 5,443 |
| Net interest margin | 3.2753% | 4,390 |
| Noninterest income to average assets | 0.7795% | 1,864 |
| Noninterest expense to average assets | 3.6131% | 1,107 |
| Loan and lease loss provision to assets | 0.0211% | 3,965 |
| Net operating income to assets | 0.1475% | 5,680 |
| Return on assets (ROA) | 0.1475% | 5,734 |
| Pretax return on assets | 0.1896% | 5,695 |
| Return on Equity (ROE) | 2.0456% | 5,562 |
| Retained earnings to average equity (ytd only) | 1.4611% | 4,893 |
| Net charge-offs to loans | 0.1141% | 2,234 |
| Credit loss provision to net charge-offs | 50.0000% | 3,400 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 3,451 |
| Efficiency ratio | 94.4904% | 461 |
| Assets per employee ($millions) | 3.5353% | 4,759 |
| Cash dividends to net income (ytd only)* | 28.5714% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 3,672 |
| Loan loss allowance to noncurrent loans | 285.7143% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 1.4049% | 1,490 |
| Noncurrent loans to loans | 0.4084% | 3,994 |
| Net loans and leases to total assets | 31.9442% | 5,839 |
| Net loans and leases to deposits | 34.1739% | 5,926 |
| Net loans and leases to core deposits | 34.1739% | 5,960 |
| Total domestic deposits to total assets | 93.4754% | 37 |
| Equity capital to assets | 6.4775% | 6,097 |
| Core capital (leverage) ratio | 6.8611% | 6,062 |
| Tier 1 risk-based capital ratio | 15.6921% | 2,834 |
| Total risk-based capital ratio | 16.6058% | 2,944 |
| Memoranda: | ||
| Average total assets | $9,493,200 | 6,175 |
| Average earning assets | $8,823,600 | 6,163 |
| Average equity | $684,400 | 6,179 |
| Average total loans | $3,505,600 | 6,135 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5604% | 4,842 |
| Cost of funding earning assets | 0.1874% | 5,477 |
| Net interest margin | 3.3730% | 4,067 |
| Noninterest income to average assets | 0.8247% | 1,707 |
| Noninterest expense to average assets | 3.7185% | 953 |
| Loan and lease loss provision to assets | 0.0144% | 3,982 |
| Net operating income to assets | 0.1736% | 5,726 |
| Return on assets (ROA) | 0.1736% | 5,782 |
| Pretax return on assets | 0.2170% | 5,766 |
| Return on Equity (ROE) | 2.3400% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.3400% | 4,716 |
| Net charge-offs to loans | 0.1512% | 1,625 |
| Credit loss provision to net charge-offs | 25.0000% | 3,323 |
| Earnings coverage of net charge-offs (x) | 4.0019% | 3,418 |
| Efficiency ratio | 94.1392% | 485 |
| Assets per employee ($millions) | 2.9307% | 5,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 4,189 |
| Loan loss allowance to noncurrent loans | 278.5714% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 1.6947% | 1,274 |
| Noncurrent loans to loans | 0.3974% | 4,189 |
| Net loans and leases to total assets | 39.6269% | 5,612 |
| Net loans and leases to deposits | 43.0602% | 5,759 |
| Net loans and leases to core deposits | 43.0602% | 5,823 |
| Total domestic deposits to total assets | 92.0268% | 97 |
| Equity capital to assets | 7.8367% | 6,011 |
| Core capital (leverage) ratio | 7.5931% | 6,034 |
| Tier 1 risk-based capital ratio | 16.8501% | 2,423 |
| Total risk-based capital ratio | 17.8039% | 2,504 |
| Memoranda: | ||
| Average total assets | $9,215,000 | 6,263 |
| Average earning assets | $8,538,000 | 6,250 |
| Average equity | $683,750 | 6,266 |
| Average total loans | $3,525,000 | 6,220 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4568% | 5,091 |
| Cost of funding earning assets | 0.1844% | 5,578 |
| Net interest margin | 3.2724% | 4,410 |
| Noninterest income to average assets | 0.8551% | 1,591 |
| Noninterest expense to average assets | 3.6127% | 1,106 |
| Loan and lease loss provision to assets | 0.0428% | 3,252 |
| Net operating income to assets | 0.2138% | 5,663 |
| Return on assets (ROA) | 0.2138% | 5,730 |
| Pretax return on assets | 0.2351% | 5,768 |
| Return on Equity (ROE) | 2.9326% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.9326% | 4,168 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8571% | 584 |
| Assets per employee ($millions) | 3.1020% | 5,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 3,549 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.5366% | 1,590 |
| Noncurrent loans to loans | 1.8634% | 1,352 |
| Net loans and leases to total assets | 37.5887% | 5,755 |
| Net loans and leases to deposits | 40.6413% | 5,880 |
| Net loans and leases to core deposits | 40.6413% | 5,937 |
| Total domestic deposits to total assets | 92.4887% | 84 |
| Equity capital to assets | 7.3823% | 6,133 |
| Core capital (leverage) ratio | 7.2729% | 6,142 |
| Tier 1 risk-based capital ratio | 16.3962% | 2,663 |
| Total risk-based capital ratio | 17.4463% | 2,710 |
| Memoranda: | ||
| Average total assets | $9,356,000 | 6,340 |
| Average earning assets | $8,678,670 | 6,325 |
| Average equity | $682,000 | 6,344 |
| Average total loans | $3,525,670 | 6,295 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5222% | 4,904 |
| Cost of funding earning assets | 0.1854% | 5,643 |
| Net interest margin | 3.3368% | 4,073 |
| Noninterest income to average assets | 0.9381% | 1,270 |
| Noninterest expense to average assets | 3.7523% | 929 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2132% | 5,652 |
| Return on assets (ROA) | 0.2132% | 5,742 |
| Pretax return on assets | 0.2558% | 5,744 |
| Return on Equity (ROE) | 2.9433% | 5,402 |
| Retained earnings to average equity (ytd only) | 2.9433% | 4,208 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6170% | 612 |
| Assets per employee ($millions) | 3.2717% | 5,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 3,855 |
| Loan loss allowance to noncurrent loans | 63.6364% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 1.4570% | 1,812 |
| Noncurrent loans to loans | 1.9142% | 1,399 |
| Net loans and leases to total assets | 34.7020% | 5,895 |
| Net loans and leases to deposits | 37.3465% | 6,009 |
| Net loans and leases to core deposits | 37.3465% | 6,067 |
| Total domestic deposits to total assets | 92.9190% | 64 |
| Equity capital to assets | 6.9485% | 6,265 |
| Core capital (leverage) ratio | 6.8556% | 6,253 |
| Tier 1 risk-based capital ratio | 16.1841% | 2,829 |
| Total risk-based capital ratio | 17.1808% | 2,893 |
| Memoranda: | ||
| Average total assets | $9,381,000 | 6,409 |
| Average earning assets | $8,631,000 | 6,394 |
| Average equity | $679,500 | 6,413 |
| Average total loans | $3,517,500 | 6,366 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5888% | 5,109 |
| Cost of funding earning assets | 0.2044% | 5,708 |
| Net interest margin | 3.3844% | 4,256 |
| Noninterest income to average assets | 0.9349% | 1,400 |
| Noninterest expense to average assets | 3.8457% | 922 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2018% | 5,759 |
| Return on assets (ROA) | 0.2018% | 5,818 |
| Pretax return on assets | 0.2550% | 5,780 |
| Return on Equity (ROE) | 2.8324% | 5,529 |
| Retained earnings to average equity (ytd only) | 2.0871% | 4,736 |
| Net charge-offs to loans | 0.0539% | 3,756 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,429 |
| Efficiency ratio | 93.7824% | 605 |
| Assets per employee ($millions) | 2.2368% | 6,296 |
| Cash dividends to net income (ytd only)* | 26.3158% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 4,164 |
| Loan loss allowance to noncurrent loans | 63.6364% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 1.5983% | 1,689 |
| Noncurrent loans to loans | 1.8400% | 1,552 |
| Net loans and leases to total assets | 39.6222% | 5,771 |
| Net loans and leases to deposits | 42.9125% | 5,935 |
| Net loans and leases to core deposits | 42.9125% | 5,998 |
| Total domestic deposits to total assets | 92.3326% | 111 |
| Equity capital to assets | 7.5668% | 6,220 |
| Core capital (leverage) ratio | 7.4716% | 6,208 |
| Tier 1 risk-based capital ratio | 16.9504% | 2,532 |
| Total risk-based capital ratio | 18.0020% | 2,573 |
| Memoranda: | ||
| Average total assets | $9,413,200 | 6,501 |
| Average earning assets | $8,805,200 | 6,484 |
| Average equity | $670,800 | 6,506 |
| Average total loans | $3,708,400 | 6,456 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5585% | 5,245 |
| Cost of funding earning assets | 0.2085% | 5,758 |
| Net interest margin | 3.3500% | 4,431 |
| Noninterest income to average assets | 0.8674% | 1,635 |
| Noninterest expense to average assets | 3.7915% | 983 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1819% | 5,880 |
| Return on assets (ROA) | 0.1819% | 5,924 |
| Pretax return on assets | 0.2238% | 5,913 |
| Return on Equity (ROE) | 2.5895% | 5,683 |
| Retained earnings to average equity (ytd only) | 2.5895% | 4,743 |
| Net charge-offs to loans | 0.0714% | 3,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 7.9888% | 2,868 |
| Efficiency ratio | 94.4251% | 575 |
| Assets per employee ($millions) | 2.2360% | 6,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 4,857 |
| Loan loss allowance to noncurrent loans | 63.6364% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.5988% | 1,902 |
| Noncurrent loans to loans | 1.6888% | 1,927 |
| Net loans and leases to total assets | 43.2245% | 5,580 |
| Net loans and leases to deposits | 47.6695% | 5,784 |
| Net loans and leases to core deposits | 47.6695% | 5,902 |
| Total domestic deposits to total assets | 90.6753% | 457 |
| Equity capital to assets | 7.5581% | 6,292 |
| Core capital (leverage) ratio | 7.5111% | 6,280 |
| Tier 1 risk-based capital ratio | 15.5868% | 3,268 |
| Total risk-based capital ratio | 16.5552% | 3,359 |
| Memoranda: | ||
| Average total assets | $9,529,750 | 6,580 |
| Average earning assets | $8,955,000 | 6,562 |
| Average equity | $669,250 | 6,585 |
| Average total loans | $3,738,750 | 6,534 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4763% | 5,457 |
| Cost of funding earning assets | 0.2186% | 5,760 |
| Net interest margin | 3.2577% | 4,750 |
| Noninterest income to average assets | 0.7198% | 2,185 |
| Noninterest expense to average assets | 3.6195% | 1,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1440% | 5,961 |
| Return on assets (ROA) | 0.1440% | 5,996 |
| Pretax return on assets | 0.1645% | 5,997 |
| Return on Equity (ROE) | 2.0990% | 5,817 |
| Retained earnings to average equity (ytd only) | 2.0990% | 4,849 |
| Net charge-offs to loans | 0.1086% | 2,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,190 |
| Efficiency ratio | 95.6522% | 571 |
| Assets per employee ($millions) | 2.3030% | 6,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 4,803 |
| Loan loss allowance to noncurrent loans | 28.1879% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 1.6175% | 2,023 |
| Noncurrent loans to loans | 3.9808% | 597 |
| Net loans and leases to total assets | 40.1759% | 5,797 |
| Net loans and leases to deposits | 43.3728% | 6,011 |
| Net loans and leases to core deposits | 43.3728% | 6,097 |
| Total domestic deposits to total assets | 92.6292% | 108 |
| Equity capital to assets | 7.2731% | 6,397 |
| Core capital (leverage) ratio | 6.7848% | 6,461 |
| Tier 1 risk-based capital ratio | 15.9981% | 3,086 |
| Total risk-based capital ratio | 17.0010% | 3,160 |
| Memoranda: | ||
| Average total assets | $9,725,000 | 6,645 |
| Average earning assets | $9,147,670 | 6,628 |
| Average equity | $667,000 | 6,651 |
| Average total loans | $3,682,330 | 6,599 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3907% | 5,666 |
| Cost of funding earning assets | 0.2119% | 5,904 |
| Net interest margin | 3.1788% | 4,991 |
| Noninterest income to average assets | 0.7614% | 1,904 |
| Noninterest expense to average assets | 3.5265% | 1,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2004% | 5,799 |
| Return on assets (ROA) | 0.2004% | 5,850 |
| Pretax return on assets | 0.2404% | 5,852 |
| Return on Equity (ROE) | 3.0053% | 5,455 |
| Retained earnings to average equity (ytd only) | 3.0053% | 4,309 |
| Net charge-offs to loans | 0.1095% | 2,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,297 |
| Efficiency ratio | 93.6170% | 772 |
| Assets per employee ($millions) | 3.5197% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 4,681 |
| Loan loss allowance to noncurrent loans | 28.4768% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 1.4301% | 2,480 |
| Noncurrent loans to loans | 4.1794% | 621 |
| Net loans and leases to total assets | 33.8100% | 6,188 |
| Net loans and leases to deposits | 36.1190% | 6,312 |
| Net loans and leases to core deposits | 36.1190% | 6,360 |
| Total domestic deposits to total assets | 93.6073% | 74 |
| Equity capital to assets | 6.3264% | 6,541 |
| Core capital (leverage) ratio | 6.2151% | 6,561 |
| Tier 1 risk-based capital ratio | 15.4522% | 3,466 |
| Total risk-based capital ratio | 16.4469% | 3,570 |
| Memoranda: | ||
| Average total assets | $9,981,500 | 6,716 |
| Average earning assets | $9,437,500 | 6,697 |
| Average equity | $665,500 | 6,722 |
| Average total loans | $3,652,000 | 6,671 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6586% | 5,252 |
| Cost of funding earning assets | 0.2500% | 5,964 |
| Net interest margin | 3.4086% | 4,242 |
| Noninterest income to average assets | 0.9052% | 1,663 |
| Noninterest expense to average assets | 3.8253% | 1,098 |
| Loan and lease loss provision to assets | 0.0108% | 4,909 |
| Net operating income to assets | 0.2371% | 5,723 |
| Return on assets (ROA) | 0.2371% | 5,789 |
| Pretax return on assets | 0.3017% | 5,729 |
| Return on Equity (ROE) | 3.3598% | 5,375 |
| Retained earnings to average equity (ytd only) | 2.9016% | 4,181 |
| Net charge-offs to loans | 0.0276% | 4,870 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,218 |
| Efficiency ratio | 92.4479% | 847 |
| Assets per employee ($millions) | 3.1347% | 5,607 |
| Cash dividends to net income (ytd only)* | 13.6364% | 3,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 4,702 |
| Loan loss allowance to noncurrent loans | 29.1391% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 1.6057% | 2,312 |
| Noncurrent loans to loans | 4.0910% | 700 |
| Net loans and leases to total assets | 38.7814% | 6,039 |
| Net loans and leases to deposits | 41.7659% | 6,239 |
| Net loans and leases to core deposits | 41.7659% | 6,312 |
| Total domestic deposits to total assets | 92.8541% | 151 |
| Equity capital to assets | 7.0502% | 6,447 |
| Core capital (leverage) ratio | 7.3074% | 6,442 |
| Tier 1 risk-based capital ratio | 16.0610% | 3,072 |
| Total risk-based capital ratio | 17.1269% | 3,118 |
| Memoranda: | ||
| Average total assets | $9,280,200 | 6,802 |
| Average earning assets | $8,801,200 | 6,786 |
| Average equity | $654,800 | 6,808 |
| Average total loans | $3,622,800 | 6,757 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6292% | 5,361 |
| Cost of funding earning assets | 0.2582% | 6,023 |
| Net interest margin | 3.3710% | 4,396 |
| Noninterest income to average assets | 0.8793% | 1,826 |
| Noninterest expense to average assets | 3.7624% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2451% | 5,794 |
| Return on assets (ROA) | 0.2451% | 5,880 |
| Pretax return on assets | 0.3172% | 5,830 |
| Return on Equity (ROE) | 3.4730% | 5,447 |
| Retained earnings to average equity (ytd only) | 3.4730% | 4,217 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2261% | 839 |
| Assets per employee ($millions) | 3.0103% | 5,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 4,887 |
| Loan loss allowance to noncurrent loans | 28.5714% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 1.7052% | 2,406 |
| Noncurrent loans to loans | 4.1814% | 829 |
| Net loans and leases to total assets | 40.2945% | 6,010 |
| Net loans and leases to deposits | 43.5756% | 6,228 |
| Net loans and leases to core deposits | 43.5756% | 6,321 |
| Total domestic deposits to total assets | 92.4704% | 186 |
| Equity capital to assets | 7.3192% | 6,452 |
| Core capital (leverage) ratio | 7.1809% | 6,554 |
| Tier 1 risk-based capital ratio | 16.2608% | 3,057 |
| Total risk-based capital ratio | 17.3432% | 3,103 |
| Memoranda: | ||
| Average total assets | $9,249,250 | 6,881 |
| Average earning assets | $8,780,500 | 6,863 |
| Average equity | $652,750 | 6,886 |
| Average total loans | $3,605,750 | 6,833 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6161% | 5,384 |
| Cost of funding earning assets | 0.2729% | 6,032 |
| Net interest margin | 3.3432% | 4,410 |
| Noninterest income to average assets | 0.8796% | 1,889 |
| Noninterest expense to average assets | 3.6902% | 1,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2575% | 5,753 |
| Return on assets (ROA) | 0.2575% | 5,883 |
| Pretax return on assets | 0.3433% | 5,768 |
| Return on Equity (ROE) | 3.6923% | 5,339 |
| Retained earnings to average equity (ytd only) | 3.6923% | 3,958 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4894% | 933 |
| Assets per employee ($millions) | 3.0473% | 5,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 5,054 |
| Loan loss allowance to noncurrent loans | 28.0255% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 1.7173% | 2,535 |
| Noncurrent loans to loans | 4.2375% | 878 |
| Net loans and leases to total assets | 40.0459% | 6,041 |
| Net loans and leases to deposits | 45.1195% | 6,160 |
| Net loans and leases to core deposits | 45.1195% | 6,276 |
| Total domestic deposits to total assets | 88.7552% | 1,754 |
| Equity capital to assets | 7.1757% | 6,553 |
| Core capital (leverage) ratio | 7.1938% | 6,566 |
| Tier 1 risk-based capital ratio | 15.6675% | 3,388 |
| Total risk-based capital ratio | 16.7184% | 3,455 |
| Memoranda: | ||
| Average total assets | $9,322,000 | 6,931 |
| Average earning assets | $8,794,000 | 6,912 |
| Average equity | $650,000 | 6,935 |
| Average total loans | $3,580,000 | 6,881 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5040% | 5,689 |
| Cost of funding earning assets | 0.2695% | 6,161 |
| Net interest margin | 3.2345% | 4,785 |
| Noninterest income to average assets | 0.8500% | 1,925 |
| Noninterest expense to average assets | 3.6124% | 1,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2550% | 5,710 |
| Return on assets (ROA) | 0.2550% | 5,829 |
| Pretax return on assets | 0.2975% | 5,858 |
| Return on Equity (ROE) | 3.7094% | 5,235 |
| Retained earnings to average equity (ytd only) | 3.7094% | 4,005 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3913% | 952 |
| Assets per employee ($millions) | 3.1513% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 4,893 |
| Loan loss allowance to noncurrent loans | 27.5000% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 1.6924% | 2,750 |
| Noncurrent loans to loans | 4.5845% | 897 |
| Net loans and leases to total assets | 36.4502% | 6,265 |
| Net loans and leases to deposits | 39.1724% | 6,455 |
| Net loans and leases to core deposits | 39.1724% | 6,516 |
| Total domestic deposits to total assets | 93.0506% | 122 |
| Equity capital to assets | 6.8754% | 6,735 |
| Core capital (leverage) ratio | 6.7532% | 6,701 |
| Tier 1 risk-based capital ratio | 16.1090% | 3,199 |
| Total risk-based capital ratio | 17.1995% | 3,261 |
| Memoranda: | ||
| Average total assets | $9,412,000 | 7,007 |
| Average earning assets | $8,904,000 | 6,986 |
| Average equity | $647,000 | 7,009 |
| Average total loans | $3,517,500 | 6,959 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8360% | 5,749 |
| Cost of funding earning assets | 0.4183% | 5,800 |
| Net interest margin | 3.4177% | 4,822 |
| Noninterest income to average assets | 0.8699% | 1,958 |
| Noninterest expense to average assets | 3.6670% | 1,471 |
| Loan and lease loss provision to assets | 0.0110% | 5,779 |
| Net operating income to assets | 0.2753% | 5,555 |
| Return on assets (ROA) | 0.2753% | 5,769 |
| Pretax return on assets | 0.3414% | 5,738 |
| Return on Equity (ROE) | 3.9358% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.4635% | 3,786 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2329% | 967 |
| Assets per employee ($millions) | 3.1233% | 5,803 |
| Cash dividends to net income (ytd only)* | 12.0000% | 4,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 4,923 |
| Loan loss allowance to noncurrent loans | 56.4103% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 0.8324% | 4,391 |
| Noncurrent loans to loans | 2.2003% | 2,464 |
| Net loans and leases to total assets | 37.3639% | 6,343 |
| Net loans and leases to deposits | 40.1583% | 6,540 |
| Net loans and leases to core deposits | 40.1583% | 6,612 |
| Total domestic deposits to total assets | 93.0416% | 126 |
| Equity capital to assets | 6.8730% | 6,795 |
| Core capital (leverage) ratio | 7.0283% | 6,692 |
| Tier 1 risk-based capital ratio | 16.0518% | 3,134 |
| Total risk-based capital ratio | 17.1486% | 3,176 |
| Memoranda: | ||
| Average total assets | $9,081,000 | 7,071 |
| Average earning assets | $8,368,200 | 7,058 |
| Average equity | $635,200 | 7,078 |
| Average total loans | $3,663,200 | 7,025 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 5,821 |
| Cost of funding earning assets | 0.4695% | 5,646 |
| Net interest margin | 3.4156% | 4,982 |
| Noninterest income to average assets | 0.8436% | 2,062 |
| Noninterest expense to average assets | 3.5816% | 1,587 |
| Loan and lease loss provision to assets | 0.0148% | 5,625 |
| Net operating income to assets | 0.3108% | 5,581 |
| Return on assets (ROA) | 0.3108% | 5,784 |
| Pretax return on assets | 0.3700% | 5,789 |
| Return on Equity (ROE) | 4.4234% | 5,086 |
| Retained earnings to average equity (ytd only) | 4.4234% | 3,781 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2985% | 1,019 |
| Assets per employee ($millions) | 3.0177% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 5,376 |
| Loan loss allowance to noncurrent loans | 54.3210% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 0.8947% | 4,497 |
| Noncurrent loans to loans | 2.1710% | 2,654 |
| Net loans and leases to total assets | 40.7268% | 6,222 |
| Net loans and leases to deposits | 43.9085% | 6,508 |
| Net loans and leases to core deposits | 43.9085% | 6,600 |
| Total domestic deposits to total assets | 92.7538% | 131 |
| Equity capital to assets | 7.1026% | 6,865 |
| Core capital (leverage) ratio | 6.8954% | 6,818 |
| Tier 1 risk-based capital ratio | 15.7405% | 3,404 |
| Total risk-based capital ratio | 16.8176% | 3,457 |
| Memoranda: | ||
| Average total assets | $9,008,750 | 7,169 |
| Average earning assets | $8,236,500 | 7,155 |
| Average equity | $633,000 | 7,176 |
| Average total loans | $3,692,750 | 7,119 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9672% | 5,741 |
| Cost of funding earning assets | 0.5143% | 5,520 |
| Net interest margin | 3.4529% | 4,868 |
| Noninterest income to average assets | 0.8895% | 1,823 |
| Noninterest expense to average assets | 3.5802% | 1,619 |
| Loan and lease loss provision to assets | 0.0222% | 5,391 |
| Net operating income to assets | 0.3336% | 5,486 |
| Return on assets (ROA) | 0.3336% | 5,708 |
| Pretax return on assets | 0.4225% | 5,653 |
| Return on Equity (ROE) | 4.7644% | 4,928 |
| Retained earnings to average equity (ytd only) | 4.7644% | 3,438 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9503% | 1,155 |
| Assets per employee ($millions) | 3.1493% | 5,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 5,445 |
| Loan loss allowance to noncurrent loans | 53.6585% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 0.8679% | 4,641 |
| Noncurrent loans to loans | 2.1996% | 2,718 |
| Net loans and leases to total assets | 38.9924% | 6,404 |
| Net loans and leases to deposits | 41.8684% | 6,652 |
| Net loans and leases to core deposits | 41.8684% | 6,739 |
| Total domestic deposits to total assets | 93.1308% | 118 |
| Equity capital to assets | 6.7422% | 6,949 |
| Core capital (leverage) ratio | 7.2950% | 6,720 |
| Tier 1 risk-based capital ratio | 15.3753% | 3,522 |
| Total risk-based capital ratio | 16.4374% | 3,606 |
| Memoranda: | ||
| Average total assets | $8,994,000 | 7,231 |
| Average earning assets | $8,167,000 | 7,217 |
| Average equity | $629,670 | 7,237 |
| Average total loans | $3,680,000 | 7,181 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0867% | 5,504 |
| Cost of funding earning assets | 0.5482% | 5,507 |
| Net interest margin | 3.5385% | 4,529 |
| Noninterest income to average assets | 0.9125% | 1,693 |
| Noninterest expense to average assets | 3.6957% | 1,379 |
| Loan and lease loss provision to assets | 0.0456% | 4,830 |
| Net operating income to assets | 0.3650% | 5,403 |
| Return on assets (ROA) | 0.3650% | 5,588 |
| Pretax return on assets | 0.4106% | 5,689 |
| Return on Equity (ROE) | 5.1118% | 4,735 |
| Retained earnings to average equity (ytd only) | 5.1118% | 3,493 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0110% | 1,174 |
| Assets per employee ($millions) | 2.9620% | 6,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 5,439 |
| Loan loss allowance to noncurrent loans | 51.7647% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 0.9566% | 4,591 |
| Noncurrent loans to loans | 2.3384% | 2,763 |
| Net loans and leases to total assets | 40.4119% | 6,315 |
| Net loans and leases to deposits | 43.5695% | 6,581 |
| Net loans and leases to core deposits | 43.5695% | 6,673 |
| Total domestic deposits to total assets | 92.7526% | 159 |
| Equity capital to assets | 7.0898% | 6,910 |
| Core capital (leverage) ratio | 6.9254% | 6,870 |
| Tier 1 risk-based capital ratio | 15.7107% | 3,333 |
| Total risk-based capital ratio | 16.8080% | 3,384 |
| Memoranda: | ||
| Average total assets | $8,767,000 | 7,296 |
| Average earning assets | $8,026,000 | 7,281 |
| Average equity | $626,000 | 7,298 |
| Average total loans | $3,656,000 | 7,244 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4653% | 5,200 |
| Cost of funding earning assets | 0.6849% | 5,631 |
| Net interest margin | 3.7804% | 3,921 |
| Noninterest income to average assets | 0.9616% | 1,468 |
| Noninterest expense to average assets | 4.0191% | 1,015 |
| Loan and lease loss provision to assets | 0.0123% | 6,383 |
| Net operating income to assets | 0.3945% | 4,892 |
| Return on assets (ROA) | 0.3945% | 5,058 |
| Pretax return on assets | 0.4685% | 5,081 |
| Return on Equity (ROE) | 5.2168% | 4,284 |
| Retained earnings to average equity (ytd only) | 3.9126% | 3,427 |
| Net charge-offs to loans | 0.0281% | 6,042 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 689 |
| Efficiency ratio | 89.3151% | 1,245 |
| Assets per employee ($millions) | 2.8827% | 6,313 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 5,536 |
| Loan loss allowance to noncurrent loans | 40.1869% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 1.2373% | 4,162 |
| Noncurrent loans to loans | 2.9100% | 2,246 |
| Net loans and leases to total assets | 42.0213% | 6,388 |
| Net loans and leases to deposits | 45.3400% | 6,659 |
| Net loans and leases to core deposits | 45.3400% | 6,756 |
| Total domestic deposits to total assets | 92.6804% | 160 |
| Equity capital to assets | 7.1924% | 6,906 |
| Core capital (leverage) ratio | 7.3401% | 6,730 |
| Tier 1 risk-based capital ratio | 15.6085% | 3,263 |
| Total risk-based capital ratio | 16.6876% | 3,322 |
| Memoranda: | ||
| Average total assets | $8,111,200 | 7,346 |
| Average earning assets | $7,591,800 | 7,333 |
| Average equity | $613,400 | 7,351 |
| Average total loans | $3,560,200 | 7,294 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 5,281 |
| Cost of funding earning assets | 0.7248% | 5,629 |
| Net interest margin | 3.7652% | 4,037 |
| Noninterest income to average assets | 0.8858% | 1,701 |
| Noninterest expense to average assets | 3.9279% | 1,106 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4513% | 4,771 |
| Return on assets (ROA) | 0.4513% | 4,962 |
| Pretax return on assets | 0.5181% | 5,097 |
| Return on Equity (ROE) | 5.8896% | 4,074 |
| Retained earnings to average equity (ytd only) | 5.8896% | 2,623 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3459% | 1,308 |
| Assets per employee ($millions) | 2.7143% | 6,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 5,340 |
| Loan loss allowance to noncurrent loans | 42.1569% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 1.2526% | 4,293 |
| Noncurrent loans to loans | 2.9201% | 2,386 |
| Net loans and leases to total assets | 42.3677% | 6,479 |
| Net loans and leases to deposits | 46.0061% | 6,739 |
| Net loans and leases to core deposits | 46.0061% | 6,845 |
| Total domestic deposits to total assets | 92.0914% | 200 |
| Equity capital to assets | 7.6753% | 6,856 |
| Core capital (leverage) ratio | 7.6847% | 6,650 |
| Tier 1 risk-based capital ratio | 16.2380% | 3,000 |
| Total risk-based capital ratio | 17.3552% | 3,027 |
| Memoranda: | ||
| Average total assets | $7,977,000 | 7,425 |
| Average earning assets | $7,542,500 | 7,412 |
| Average equity | $611,250 | 7,429 |
| Average total loans | $3,531,000 | 7,367 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5179% | 5,300 |
| Cost of funding earning assets | 0.7485% | 5,679 |
| Net interest margin | 3.7694% | 3,942 |
| Noninterest income to average assets | 0.8332% | 1,879 |
| Noninterest expense to average assets | 3.8881% | 1,216 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4292% | 4,816 |
| Return on assets (ROA) | 0.4292% | 4,964 |
| Pretax return on assets | 0.5049% | 5,058 |
| Return on Equity (ROE) | 5.6044% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.6044% | 2,640 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5057% | 1,362 |
| Assets per employee ($millions) | 2.8433% | 6,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 5,292 |
| Loan loss allowance to noncurrent loans | 40.9524% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 4,434 |
| Noncurrent loans to loans | 3.0603% | 2,365 |
| Net loans and leases to total assets | 39.7186% | 6,768 |
| Net loans and leases to deposits | 42.8752% | 6,960 |
| Net loans and leases to core deposits | 42.8752% | 7,046 |
| Total domestic deposits to total assets | 92.6377% | 153 |
| Equity capital to assets | 7.2098% | 7,054 |
| Core capital (leverage) ratio | 7.7135% | 6,575 |
| Tier 1 risk-based capital ratio | 15.9038% | 3,030 |
| Total risk-based capital ratio | 17.0158% | 3,077 |
| Memoranda: | ||
| Average total assets | $7,921,670 | 7,501 |
| Average earning assets | $7,481,330 | 7,487 |
| Average equity | $606,670 | 7,506 |
| Average total loans | $3,543,670 | 7,441 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 4,575 |
| Cost of funding earning assets | 0.8272% | 5,413 |
| Net interest margin | 3.8602% | 3,337 |
| Noninterest income to average assets | 0.7351% | 2,358 |
| Noninterest expense to average assets | 3.8858% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4726% | 4,608 |
| Return on assets (ROA) | 0.4726% | 4,691 |
| Pretax return on assets | 0.5251% | 4,941 |
| Return on Equity (ROE) | 5.9751% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.9751% | 2,656 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0952% | 1,507 |
| Assets per employee ($millions) | 2.6010% | 6,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 5,610 |
| Loan loss allowance to noncurrent loans | 38.7387% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 1.4225% | 4,146 |
| Noncurrent loans to loans | 3.1092% | 2,411 |
| Net loans and leases to total assets | 45.2006% | 6,360 |
| Net loans and leases to deposits | 49.0884% | 6,684 |
| Net loans and leases to core deposits | 49.0884% | 6,826 |
| Total domestic deposits to total assets | 92.0800% | 260 |
| Equity capital to assets | 7.7791% | 6,691 |
| Core capital (leverage) ratio | 7.6122% | 6,643 |
| Tier 1 risk-based capital ratio | 15.8817% | 2,964 |
| Total risk-based capital ratio | 17.0068% | 2,981 |
| Memoranda: | ||
| Average total assets | $7,617,500 | 7,562 |
| Average earning assets | $7,253,500 | 7,546 |
| Average equity | $602,500 | 7,563 |
| Average total loans | $3,600,000 | 7,501 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0158% | 4,478 |
| Cost of funding earning assets | 1.3403% | 3,642 |
| Net interest margin | 3.6755% | 4,466 |
| Noninterest income to average assets | 0.8687% | 1,981 |
| Noninterest expense to average assets | 4.0063% | 1,152 |
| Loan and lease loss provision to assets | 0.2204% | 5,065 |
| Net operating income to assets | 0.0778% | 5,642 |
| Return on assets (ROA) | 0.0778% | 5,778 |
| Pretax return on assets | 0.0908% | 5,719 |
| Return on Equity (ROE) | 1.0013% | 5,693 |
| Retained earnings to average equity (ytd only) | 0.8344% | 5,132 |
| Net charge-offs to loans | 0.6604% | 3,028 |
| Credit loss provision to net charge-offs | 68.0000% | 5,913 |
| Earnings coverage of net charge-offs (x) | 0.9600% | 5,150 |
| Efficiency ratio | 92.7928% | 1,131 |
| Assets per employee ($millions) | 2.4773% | 7,040 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 5,590 |
| Loan loss allowance to noncurrent loans | 39.0909% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 1.4801% | 4,097 |
| Noncurrent loans to loans | 3.0303% | 2,517 |
| Net loans and leases to total assets | 48.2643% | 6,365 |
| Net loans and leases to deposits | 52.5722% | 6,709 |
| Net loans and leases to core deposits | 52.5722% | 6,877 |
| Total domestic deposits to total assets | 91.8057% | 323 |
| Equity capital to assets | 8.0463% | 6,446 |
| Core capital (leverage) ratio | 7.4909% | 6,715 |
| Tier 1 risk-based capital ratio | 15.7203% | 2,881 |
| Total risk-based capital ratio | 16.8507% | 2,912 |
| Memoranda: | ||
| Average total assets | $7,712,800 | 7,643 |
| Average earning assets | $7,237,200 | 7,632 |
| Average equity | $599,200 | 7,656 |
| Average total loans | $3,785,400 | 7,581 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0199% | 4,715 |
| Cost of funding earning assets | 1.4106% | 3,518 |
| Net interest margin | 3.6092% | 4,829 |
| Noninterest income to average assets | 0.9079% | 1,769 |
| Noninterest expense to average assets | 3.9230% | 1,173 |
| Loan and lease loss provision to assets | 0.0685% | 6,384 |
| Net operating income to assets | 0.2399% | 5,390 |
| Return on assets (ROA) | 0.2399% | 5,550 |
| Pretax return on assets | 0.2913% | 5,537 |
| Return on Equity (ROE) | 3.1143% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.1143% | 4,256 |
| Net charge-offs to loans | 0.8715% | 2,267 |
| Credit loss provision to net charge-offs | 16.0000% | 6,283 |
| Earnings coverage of net charge-offs (x) | 0.8401% | 5,211 |
| Efficiency ratio | 91.6000% | 1,159 |
| Assets per employee ($millions) | 2.6393% | 6,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 7,008 |
| Loan loss allowance to noncurrent loans | 25.0000% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 1.5155% | 4,178 |
| Noncurrent loans to loans | 3.2000% | 2,488 |
| Net loans and leases to total assets | 46.9816% | 6,613 |
| Net loans and leases to deposits | 51.0428% | 6,944 |
| Net loans and leases to core deposits | 51.0428% | 7,085 |
| Total domestic deposits to total assets | 92.0434% | 184 |
| Equity capital to assets | 7.6661% | 7,024 |
| Core capital (leverage) ratio | 7.6285% | 6,740 |
| Tier 1 risk-based capital ratio | 15.1183% | 3,196 |
| Total risk-based capital ratio | 15.8655% | 3,425 |
| Memoranda: | ||
| Average total assets | $7,783,000 | 7,745 |
| Average earning assets | $7,277,500 | 7,731 |
| Average equity | $599,500 | 7,759 |
| Average total loans | $3,824,250 | 7,679 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0450% | 4,725 |
| Cost of funding earning assets | 1.4692% | 3,432 |
| Net interest margin | 3.5759% | 4,920 |
| Noninterest income to average assets | 0.9046% | 1,675 |
| Noninterest expense to average assets | 3.9287% | 1,141 |
| Loan and lease loss provision to assets | 0.0517% | 6,450 |
| Net operating income to assets | 0.2068% | 5,537 |
| Return on assets (ROA) | 0.2068% | 5,667 |
| Pretax return on assets | 0.2585% | 5,631 |
| Return on Equity (ROE) | 2.6801% | 5,384 |
| Retained earnings to average equity (ytd only) | 2.6801% | 4,440 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6829% | 1,147 |
| Assets per employee ($millions) | 2.5393% | 7,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 4,407 |
| Loan loss allowance to noncurrent loans | 42.0635% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 1.6540% | 3,947 |
| Noncurrent loans to loans | 3.3333% | 2,397 |
| Net loans and leases to total assets | 48.9236% | 6,552 |
| Net loans and leases to deposits | 53.2581% | 6,909 |
| Net loans and leases to core deposits | 53.2581% | 7,072 |
| Total domestic deposits to total assets | 91.8614% | 248 |
| Equity capital to assets | 7.8892% | 6,858 |
| Core capital (leverage) ratio | 7.9793% | 6,294 |
| Tier 1 risk-based capital ratio | 15.0137% | 3,146 |
| Total risk-based capital ratio | 16.3377% | 3,075 |
| Memoranda: | ||
| Average total assets | $7,738,000 | 7,813 |
| Average earning assets | $7,215,000 | 7,800 |
| Average equity | $597,000 | 7,826 |
| Average total loans | $3,849,000 | 7,747 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0633% | 4,719 |
| Cost of funding earning assets | 1.5410% | 3,322 |
| Net interest margin | 3.5223% | 5,074 |
| Noninterest income to average assets | 0.7694% | 2,179 |
| Noninterest expense to average assets | 3.7958% | 1,335 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2052% | 5,665 |
| Return on assets (ROA) | 0.2052% | 5,784 |
| Pretax return on assets | 0.2565% | 5,733 |
| Return on Equity (ROE) | 2.6891% | 5,490 |
| Retained earnings to average equity (ytd only) | 2.6891% | 4,533 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6709% | 1,154 |
| Assets per employee ($millions) | 2.4973% | 7,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 4,918 |
| Loan loss allowance to noncurrent loans | 38.6364% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 1.7619% | 3,841 |
| Noncurrent loans to loans | 3.3734% | 2,375 |
| Net loans and leases to total assets | 51.5483% | 6,315 |
| Net loans and leases to deposits | 56.1745% | 6,762 |
| Net loans and leases to core deposits | 56.1745% | 6,986 |
| Total domestic deposits to total assets | 91.7645% | 300 |
| Equity capital to assets | 7.9685% | 6,691 |
| Core capital (leverage) ratio | 7.6725% | 6,658 |
| Tier 1 risk-based capital ratio | 14.6827% | 3,266 |
| Total risk-based capital ratio | 15.9370% | 3,233 |
| Memoranda: | ||
| Average total assets | $7,798,000 | 7,915 |
| Average earning assets | $7,268,000 | 7,901 |
| Average equity | $595,000 | 7,919 |
| Average total loans | $3,883,500 | 7,848 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0106% | 1,824 |
| Cost of funding earning assets | 1.9763% | 3,076 |
| Net interest margin | 4.0343% | 2,723 |
| Noninterest income to average assets | 0.8559% | 2,157 |
| Noninterest expense to average assets | 4.0240% | 1,327 |
| Loan and lease loss provision to assets | 0.2044% | 5,709 |
| Net operating income to assets | 0.3449% | 4,347 |
| Return on assets (ROA) | 0.3449% | 4,442 |
| Pretax return on assets | 0.4088% | 4,475 |
| Return on Equity (ROE) | 4.6536% | 3,821 |
| Retained earnings to average equity (ytd only) | 4.4812% | 2,112 |
| Net charge-offs to loans | 0.2504% | 5,056 |
| Credit loss provision to net charge-offs | 160.0000% | 2,792 |
| Earnings coverage of net charge-offs (x) | 4.8000% | 2,813 |
| Efficiency ratio | 86.7769% | 2,026 |
| Assets per employee ($millions) | 2.7013% | 6,855 |
| Cash dividends to net income (ytd only)* | 3.7037% | 3,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 4,625 |
| Loan loss allowance to noncurrent loans | 37.5000% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 1.6782% | 3,853 |
| Noncurrent loans to loans | 3.5288% | 2,151 |
| Net loans and leases to total assets | 46.9274% | 6,901 |
| Net loans and leases to deposits | 50.7540% | 7,215 |
| Net loans and leases to core deposits | 55.0282% | 7,439 |
| Total domestic deposits to total assets | 92.4605% | 191 |
| Equity capital to assets | 7.3174% | 7,185 |
| Core capital (leverage) ratio | 7.4218% | 6,863 |
| Tier 1 risk-based capital ratio | 14.3306% | 3,299 |
| Total risk-based capital ratio | 15.5631% | 3,263 |
| Memoranda: | ||
| Average total assets | $7,828,000 | 7,993 |
| Average earning assets | $7,337,000 | 7,978 |
| Average equity | $580,200 | 8,006 |
| Average total loans | $3,994,200 | 7,920 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2587% | 1,215 |
| Cost of funding earning assets | 2.0679% | 3,040 |
| Net interest margin | 4.1908% | 2,095 |
| Noninterest income to average assets | 0.8593% | 2,157 |
| Noninterest expense to average assets | 4.1585% | 1,074 |
| Loan and lease loss provision to assets | 0.2406% | 5,043 |
| Net operating income to assets | 0.3265% | 4,694 |
| Return on assets (ROA) | 0.3265% | 4,801 |
| Pretax return on assets | 0.3952% | 4,812 |
| Return on Equity (ROE) | 4.3899% | 4,214 |
| Retained earnings to average equity (ytd only) | 4.3899% | 2,821 |
| Net charge-offs to loans | 0.2648% | 4,387 |
| Credit loss provision to net charge-offs | 175.0000% | 2,640 |
| Earnings coverage of net charge-offs (x) | 4.6232% | 3,070 |
| Efficiency ratio | 86.7384% | 1,988 |
| Assets per employee ($millions) | 2.6383% | 6,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 4,784 |
| Loan loss allowance to noncurrent loans | 36.9565% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 1.7435% | 3,749 |
| Noncurrent loans to loans | 3.3990% | 2,215 |
| Net loans and leases to total assets | 50.6507% | 6,724 |
| Net loans and leases to deposits | 55.0007% | 7,148 |
| Net loans and leases to core deposits | 59.7199% | 7,410 |
| Total domestic deposits to total assets | 92.0910% | 159 |
| Equity capital to assets | 7.4037% | 7,370 |
| Core capital (leverage) ratio | 7.4347% | 7,047 |
| Tier 1 risk-based capital ratio | 13.9391% | 3,585 |
| Total risk-based capital ratio | 15.1522% | 3,548 |
| Memoranda: | ||
| Average total assets | $7,759,000 | 8,078 |
| Average earning assets | $7,285,750 | 8,065 |
| Average equity | $577,000 | 8,090 |
| Average total loans | $4,029,250 | 7,997 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7378% | 504 |
| Cost of funding earning assets | 2.1628% | 2,974 |
| Net interest margin | 4.5751% | 1,006 |
| Noninterest income to average assets | 0.9083% | 1,950 |
| Noninterest expense to average assets | 4.4116% | 849 |
| Loan and lease loss provision to assets | 0.3633% | 3,748 |
| Net operating income to assets | 0.3374% | 4,730 |
| Return on assets (ROA) | 0.3374% | 4,842 |
| Pretax return on assets | 0.4152% | 4,889 |
| Return on Equity (ROE) | 4.5296% | 4,291 |
| Retained earnings to average equity (ytd only) | 4.5296% | 2,773 |
| Net charge-offs to loans | 0.3981% | 3,208 |
| Credit loss provision to net charge-offs | 175.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 3,322 |
| Efficiency ratio | 85.0000% | 2,359 |
| Assets per employee ($millions) | 2.5780% | 7,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 4,271 |
| Loan loss allowance to noncurrent loans | 36.4286% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 1.8102% | 3,457 |
| Noncurrent loans to loans | 3.5687% | 1,962 |
| Net loans and leases to total assets | 50.0646% | 6,864 |
| Net loans and leases to deposits | 54.4202% | 7,248 |
| Net loans and leases to core deposits | 59.1506% | 7,481 |
| Total domestic deposits to total assets | 91.9964% | 215 |
| Equity capital to assets | 7.4994% | 7,265 |
| Core capital (leverage) ratio | 7.5003% | 7,018 |
| Tier 1 risk-based capital ratio | 14.1119% | 3,451 |
| Total risk-based capital ratio | 15.3528% | 3,394 |
| Memoranda: | ||
| Average total assets | $7,707,000 | 8,175 |
| Average earning assets | $7,213,000 | 8,159 |
| Average equity | $574,000 | 8,183 |
| Average total loans | $4,019,000 | 8,086 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2782% | 1,368 |
| Cost of funding earning assets | 2.1668% | 3,335 |
| Net interest margin | 4.1114% | 2,236 |
| Noninterest income to average assets | 0.9359% | 1,713 |
| Noninterest expense to average assets | 4.0554% | 1,120 |
| Loan and lease loss provision to assets | 0.2080% | 4,359 |
| Net operating income to assets | 0.4159% | 4,794 |
| Return on assets (ROA) | 0.4159% | 4,971 |
| Pretax return on assets | 0.5199% | 5,020 |
| Return on Equity (ROE) | 5.6042% | 4,213 |
| Retained earnings to average equity (ytd only) | 5.6042% | 2,821 |
| Net charge-offs to loans | 0.3934% | 2,521 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,155 |
| Efficiency ratio | 84.7826% | 2,212 |
| Assets per employee ($millions) | 1.8985% | 7,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 5,248 |
| Loan loss allowance to noncurrent loans | 32.1429% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 1.8436% | 3,152 |
| Noncurrent loans to loans | 3.5211% | 1,808 |
| Net loans and leases to total assets | 51.7646% | 6,710 |
| Net loans and leases to deposits | 56.1973% | 7,148 |
| Net loans and leases to core deposits | 61.1068% | 7,417 |
| Total domestic deposits to total assets | 92.1122% | 166 |
| Equity capital to assets | 7.5718% | 7,292 |
| Core capital (leverage) ratio | 7.5331% | 7,119 |
| Tier 1 risk-based capital ratio | 13.8221% | 3,682 |
| Total risk-based capital ratio | 14.9038% | 3,685 |
| Memoranda: | ||
| Average total assets | $7,693,500 | 8,225 |
| Average earning assets | $7,199,500 | 8,206 |
| Average equity | $571,000 | 8,235 |
| Average total loans | $4,067,000 | 8,133 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2052% | 4,489 |
| Cost of funding earning assets | 2.4506% | 4,471 |
| Net interest margin | 3.7547% | 4,208 |
| Noninterest income to average assets | 1.0990% | 1,301 |
| Noninterest expense to average assets | 4.1950% | 1,154 |
| Loan and lease loss provision to assets | 0.0670% | 6,553 |
| Net operating income to assets | 0.2949% | 5,562 |
| Return on assets (ROA) | 0.2949% | 5,374 |
| Pretax return on assets | 0.3485% | 5,397 |
| Return on Equity (ROE) | 3.9314% | 4,851 |
| Retained earnings to average equity (ytd only) | 3.3953% | 3,036 |
| Net charge-offs to loans | 0.0757% | 5,675 |
| Credit loss provision to net charge-offs | 166.6667% | 3,080 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 2,528 |
| Efficiency ratio | 90.9884% | 1,441 |
| Assets per employee ($millions) | 1.9483% | 7,954 |
| Cash dividends to net income (ytd only)* | 13.6364% | 4,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 5,402 |
| Loan loss allowance to noncurrent loans | 39.4737% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 1.4629% | 3,294 |
| Noncurrent loans to loans | 2.7417% | 1,978 |
| Net loans and leases to total assets | 52.7781% | 6,769 |
| Net loans and leases to deposits | 57.0695% | 7,260 |
| Net loans and leases to core deposits | 61.8403% | 7,514 |
| Total domestic deposits to total assets | 92.4804% | 87 |
| Equity capital to assets | 7.2758% | 7,577 |
| Core capital (leverage) ratio | 7.3284% | 7,386 |
| Tier 1 risk-based capital ratio | 12.9778% | 4,126 |
| Total risk-based capital ratio | 14.0078% | 4,175 |
| Memoranda: | ||
| Average total assets | $7,461,200 | 8,279 |
| Average earning assets | $6,978,000 | 8,264 |
| Average equity | $559,600 | 8,300 |
| Average total loans | $3,963,000 | 8,194 |