Home > Vista National Bank & Trust. > Performance and Condition Ratios
Vista National Bank & Trust., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5332% | 596 |
| Cost of funding earning assets | 1.8719% | 2,258 |
| Net interest margin | 4.6613% | 492 |
| Noninterest income to average assets | 0.1100% | 4,092 |
| Noninterest expense to average assets | 4.5731% | 278 |
| Loan and lease loss provision to assets | 1.5400% | 55 |
| Net operating income to assets | -1.1284% | 4,376 |
| Return on assets (ROA) | -1.1284% | 4,410 |
| Pretax return on assets | -1.4848% | 4,416 |
| Return on Equity (ROE) | -4.1800% | 4,316 |
| Retained earnings to average equity (ytd only) | -4.1793% | 4,038 |
| Net charge-offs to loans | -0.0566% | 4,315 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 98.7179% | 286 |
| Assets per employee ($millions) | 2.6623% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 2,505 |
| Loan loss allowance to noncurrent loans | 848.2759% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 3,064 |
| Noncurrent loans to loans | 0.1346% | 3,011 |
| Net loans and leases to total assets | 66.6700% | 2,224 |
| Net loans and leases to deposits | 94.2893% | 746 |
| Net loans and leases to core deposits | 97.7377% | 1,517 |
| Total domestic deposits to total assets | 70.7100% | 4,178 |
| Equity capital to assets | 28.3116% | 169 |
| Core capital (leverage) ratio | 25.9380% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.3344% | 124 |
| Memoranda: | ||
| Average total assets | $33,675,000 | 4,325 |
| Average earning assets | $32,694,500 | 4,287 |
| Average equity | $9,092,500 | 3,870 |
| Average total loans | $21,210,500 | 4,193 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3025% | 2,523 |
| Cost of funding earning assets | 1.6097% | 3,156 |
| Net interest margin | 3.6928% | 1,701 |
| Noninterest income to average assets | 0.5200% | 1,840 |
| Noninterest expense to average assets | 4.1612% | 340 |
| Loan and lease loss provision to assets | -0.0400% | 4,239 |
| Net operating income to assets | -0.0753% | 4,236 |
| Return on assets (ROA) | -0.0753% | 4,252 |
| Pretax return on assets | -0.0753% | 4,228 |
| Return on Equity (ROE) | -0.4900% | 4,217 |
| Retained earnings to average equity (ytd only) | -0.4879% | 4,039 |
| Net charge-offs to loans | -0.0743% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 102.8536% | 240 |
| Assets per employee ($millions) | 3.5402% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5605% | 4,237 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 58.6400% | 3,055 |
| Net loans and leases to deposits | 79.9499% | 2,144 |
| Net loans and leases to core deposits | 82.4588% | 2,599 |
| Total domestic deposits to total assets | 73.3400% | 4,095 |
| Equity capital to assets | 25.8178% | 186 |
| Core capital (leverage) ratio | 23.5597% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.3429% | 142 |
| Memoranda: | ||
| Average total assets | $19,922,000 | 4,418 |
| Average earning assets | $19,009,800 | 4,387 |
| Average equity | $3,074,600 | 4,366 |
| Average total loans | $10,762,200 | 4,318 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6837% | 1,740 |
| Cost of funding earning assets | 1.9063% | 2,446 |
| Net interest margin | 3.7773% | 1,493 |
| Noninterest income to average assets | 0.4100% | 2,365 |
| Noninterest expense to average assets | 3.6547% | 484 |
| Loan and lease loss provision to assets | -0.0600% | 4,325 |
| Net operating income to assets | 0.3655% | 3,749 |
| Return on assets (ROA) | 0.3655% | 3,786 |
| Pretax return on assets | 0.3655% | 3,869 |
| Return on Equity (ROE) | 3.7600% | 3,766 |
| Retained earnings to average equity (ytd only) | 3.7648% | 2,924 |
| Net charge-offs to loans | -0.1134% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 92.2432% | 446 |
| Assets per employee ($millions) | 5.4310% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 1,352 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 3,344 |
| Noncurrent loans to loans | 0.1075% | 3,142 |
| Net loans and leases to total assets | 50.6800% | 3,604 |
| Net loans and leases to deposits | 57.3951% | 3,696 |
| Net loans and leases to core deposits | 60.7519% | 3,761 |
| Total domestic deposits to total assets | 88.3100% | 1,152 |
| Equity capital to assets | 9.7158% | 2,487 |
| Core capital (leverage) ratio | 9.4260% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9761% | 799 |
| Memoranda: | ||
| Average total assets | $16,052,000 | 4,461 |
| Average earning assets | $15,107,250 | 4,436 |
| Average equity | $1,558,250 | 4,462 |
| Average total loans | $8,233,750 | 4,370 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6092% | 1,756 |
| Cost of funding earning assets | 1.8742% | 2,423 |
| Net interest margin | 3.7350% | 1,534 |
| Noninterest income to average assets | 0.4300% | 2,205 |
| Noninterest expense to average assets | 3.6815% | 477 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.2630% | 3,902 |
| Return on assets (ROA) | 0.2630% | 3,939 |
| Pretax return on assets | 0.2630% | 3,984 |
| Return on Equity (ROE) | 2.7100% | 3,929 |
| Retained earnings to average equity (ytd only) | 2.7097% | 3,120 |
| Net charge-offs to loans | -0.1710% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 93.3333% | 454 |
| Assets per employee ($millions) | 5.3090% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 1,065 |
| Loan loss allowance to noncurrent loans | 1,377.7778% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 3,279 |
| Noncurrent loans to loans | 0.1089% | 3,110 |
| Net loans and leases to total assets | 51.1100% | 3,587 |
| Net loans and leases to deposits | 57.9813% | 3,667 |
| Net loans and leases to core deposits | 61.4340% | 3,716 |
| Total domestic deposits to total assets | 88.1500% | 1,273 |
| Equity capital to assets | 9.7947% | 2,199 |
| Core capital (leverage) ratio | 9.7354% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9773% | 788 |
| Memoranda: | ||
| Average total assets | $15,971,667 | 4,483 |
| Average earning assets | $15,046,667 | 4,454 |
| Average equity | $1,550,000 | 4,476 |
| Average total loans | $8,186,667 | 4,389 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5099% | 1,791 |
| Cost of funding earning assets | 1.8013% | 2,500 |
| Net interest margin | 3.7086% | 1,519 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 3.6514% | 479 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.3001% | 3,822 |
| Return on assets (ROA) | 0.3001% | 3,852 |
| Pretax return on assets | 0.3001% | 3,916 |
| Return on Equity (ROE) | 3.1100% | 3,833 |
| Retained earnings to average equity (ytd only) | 3.1068% | 2,952 |
| Net charge-offs to loans | -0.1473% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 92.4051% | 499 |
| Assets per employee ($millions) | 5.4030% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 1,183 |
| Loan loss allowance to noncurrent loans | 521.7391% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 2,679 |
| Noncurrent loans to loans | 0.2802% | 2,312 |
| Net loans and leases to total assets | 49.8900% | 3,615 |
| Net loans and leases to deposits | 56.4616% | 3,692 |
| Net loans and leases to core deposits | 59.7267% | 3,779 |
| Total domestic deposits to total assets | 88.3600% | 1,298 |
| Equity capital to assets | 9.5688% | 2,275 |
| Core capital (leverage) ratio | 9.4723% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $15,994,000 | 4,513 |
| Average earning assets | $15,100,000 | 4,481 |
| Average equity | $1,545,000 | 4,505 |
| Average total loans | $8,148,000 | 4,417 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8798% | 2,323 |
| Cost of funding earning assets | 1.4500% | 2,075 |
| Net interest margin | 3.4298% | 2,342 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 3.5464% | 548 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.0000% | 4,354 |
| Pretax return on assets | 0.0000% | 4,337 |
| Return on Equity (ROE) | 0.0000% | 4,344 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.1552% | 670 |
| Credit loss provision to net charge-offs | 107.6923% | 1,769 |
| Earnings coverage of net charge-offs (x) | 1.0769% | 2,780 |
| Efficiency ratio | 97.5904% | 224 |
| Assets per employee ($millions) | 5.2597% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 1,214 |
| Loan loss allowance to noncurrent loans | 417.8571% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 2,352 |
| Noncurrent loans to loans | 0.3461% | 1,940 |
| Net loans and leases to total assets | 50.5200% | 3,568 |
| Net loans and leases to deposits | 57.3855% | 3,653 |
| Net loans and leases to core deposits | 60.7854% | 3,738 |
| Total domestic deposits to total assets | 88.0400% | 1,341 |
| Equity capital to assets | 9.7535% | 2,157 |
| Core capital (leverage) ratio | 9.7073% | 3,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $15,988,000 | 4,534 |
| Average earning assets | $15,103,000 | 4,499 |
| Average equity | $1,553,000 | 4,509 |
| Average total loans | $8,377,000 | 4,432 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 2,131 |
| Cost of funding earning assets | 1.1712% | 1,530 |
| Net interest margin | 3.4096% | 2,607 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 3.2683% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3440% | 4,179 |
| Return on assets (ROA) | 0.3440% | 4,134 |
| Pretax return on assets | 0.3440% | 4,212 |
| Return on Equity (ROE) | 3.6200% | 4,100 |
| Retained earnings to average equity (ytd only) | 3.6223% | 3,365 |
| Net charge-offs to loans | 0.6785% | 118 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.9333% | 1,990 |
| Efficiency ratio | 90.4762% | 344 |
| Assets per employee ($millions) | 5.4553% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 2,664 |
| Loan loss allowance to noncurrent loans | 1,010.0000% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 3,174 |
| Noncurrent loans to loans | 0.1168% | 2,933 |
| Net loans and leases to total assets | 51.6800% | 3,366 |
| Net loans and leases to deposits | 58.8301% | 3,407 |
| Net loans and leases to core deposits | 61.0333% | 3,498 |
| Total domestic deposits to total assets | 87.8500% | 1,976 |
| Equity capital to assets | 9.4892% | 2,153 |
| Core capital (leverage) ratio | 9.2008% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $16,277,500 | 4,649 |
| Average earning assets | $15,368,500 | 4,619 |
| Average equity | $1,546,000 | 4,631 |
| Average total loans | $8,842,500 | 4,549 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8628% | 2,083 |
| Cost of funding earning assets | 0.6340% | 773 |
| Net interest margin | 3.2288% | 2,774 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 3.3554% | 576 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1176% | 4,501 |
| Return on assets (ROA) | 0.1176% | 4,489 |
| Pretax return on assets | 0.1486% | 4,479 |
| Return on Equity (ROE) | 1.2400% | 4,465 |
| Retained earnings to average equity (ytd only) | 1.2412% | 4,149 |
| Net charge-offs to loans | 0.0111% | 1,962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,804 |
| Efficiency ratio | 95.7597% | 199 |
| Assets per employee ($millions) | 5.3963% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 2,033 |
| Loan loss allowance to noncurrent loans | 331.4286% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 2,082 |
| Noncurrent loans to loans | 0.3835% | 1,768 |
| Net loans and leases to total assets | 55.6600% | 3,066 |
| Net loans and leases to deposits | 63.4373% | 3,089 |
| Net loans and leases to core deposits | 65.8337% | 3,140 |
| Total domestic deposits to total assets | 87.7300% | 2,169 |
| Equity capital to assets | 9.5065% | 2,006 |
| Core capital (leverage) ratio | 9.5894% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $16,153,000 | 4,683 |
| Average earning assets | $15,299,800 | 4,652 |
| Average equity | $1,530,800 | 4,695 |
| Average total loans | $9,044,600 | 4,575 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7452% | 1,907 |
| Cost of funding earning assets | 0.5226% | 670 |
| Net interest margin | 3.2226% | 2,559 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 3.3531% | 554 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1404% | 4,520 |
| Return on assets (ROA) | 0.1404% | 4,489 |
| Pretax return on assets | 0.1734% | 4,481 |
| Return on Equity (ROE) | 1.4800% | 4,455 |
| Retained earnings to average equity (ytd only) | 1.4827% | 4,142 |
| Net charge-offs to loans | 0.0148% | 1,577 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,695 |
| Efficiency ratio | 95.0820% | 215 |
| Assets per employee ($millions) | 5.4207% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,011 |
| Loan loss allowance to noncurrent loans | 386.6667% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 2,370 |
| Noncurrent loans to loans | 0.3372% | 2,019 |
| Net loans and leases to total assets | 54.0000% | 3,102 |
| Net loans and leases to deposits | 61.6254% | 3,053 |
| Net loans and leases to core deposits | 65.2571% | 3,001 |
| Total domestic deposits to total assets | 87.6200% | 2,547 |
| Equity capital to assets | 9.4515% | 1,912 |
| Core capital (leverage) ratio | 9.4736% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $16,144,000 | 4,720 |
| Average earning assets | $15,308,000 | 4,687 |
| Average equity | $1,528,750 | 4,733 |
| Average total loans | $9,024,250 | 4,612 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6273% | 1,755 |
| Cost of funding earning assets | 0.4436% | 713 |
| Net interest margin | 3.1837% | 2,244 |
| Noninterest income to average assets | 0.4471% | 2,471 |
| Noninterest expense to average assets | 3.3158% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1490% | 4,477 |
| Return on assets (ROA) | 0.1490% | 4,440 |
| Pretax return on assets | 0.1614% | 4,440 |
| Return on Equity (ROE) | 1.5727% | 4,397 |
| Retained earnings to average equity (ytd only) | 1.5727% | 3,865 |
| Net charge-offs to loans | 0.0441% | 946 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 1,895 |
| Efficiency ratio | 95.3571% | 253 |
| Assets per employee ($millions) | 5.2807% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,374 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 56.8552% | 2,660 |
| Net loans and leases to deposits | 65.2067% | 2,618 |
| Net loans and leases to core deposits | 69.1729% | 2,551 |
| Total domestic deposits to total assets | 87.1923% | 2,872 |
| Equity capital to assets | 9.6705% | 1,900 |
| Core capital (leverage) ratio | 9.4849% | 2,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,104,667 | 4,755 |
| Average earning assets | $15,328,000 | 4,737 |
| Average equity | $1,526,000 | 4,760 |
| Average total loans | $9,066,667 | 4,676 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5245% | 1,724 |
| Cost of funding earning assets | 0.3859% | 951 |
| Net interest margin | 3.1386% | 2,057 |
| Noninterest income to average assets | 0.4435% | 2,423 |
| Noninterest expense to average assets | 3.2767% | 556 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1478% | 4,406 |
| Return on assets (ROA) | 0.1478% | 4,374 |
| Pretax return on assets | 0.1725% | 4,358 |
| Return on Equity (ROE) | 1.5758% | 4,329 |
| Retained earnings to average equity (ytd only) | 1.5758% | 3,662 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0000% | 364 |
| Assets per employee ($millions) | 5.5037% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 2,375 |
| Loan loss allowance to noncurrent loans | 3,900.0000% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 3,876 |
| Noncurrent loans to loans | 0.0333% | 3,744 |
| Net loans and leases to total assets | 53.9095% | 2,770 |
| Net loans and leases to deposits | 61.5688% | 2,752 |
| Net loans and leases to core deposits | 65.1277% | 2,708 |
| Total domestic deposits to total assets | 87.5598% | 2,721 |
| Equity capital to assets | 9.2423% | 2,490 |
| Core capital (leverage) ratio | 9.4694% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,236,000 | 4,778 |
| Average earning assets | $15,548,500 | 4,763 |
| Average equity | $1,523,000 | 4,786 |
| Average total loans | $9,039,000 | 4,701 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8219% | 1,815 |
| Cost of funding earning assets | 0.4713% | 1,055 |
| Net interest margin | 3.3506% | 2,164 |
| Noninterest income to average assets | 1.3736% | 580 |
| Noninterest expense to average assets | 3.9201% | 309 |
| Loan and lease loss provision to assets | 0.0061% | 2,953 |
| Net operating income to assets | 0.4558% | 4,174 |
| Return on assets (ROA) | 0.4558% | 4,216 |
| Pretax return on assets | 0.6017% | 4,106 |
| Return on Equity (ROE) | 5.0799% | 3,982 |
| Retained earnings to average equity (ytd only) | 5.0799% | 2,753 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5772% | 440 |
| Assets per employee ($millions) | 5.3203% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,403 |
| Loan loss allowance to noncurrent loans | 3,900.0000% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 3,947 |
| Noncurrent loans to loans | 0.0331% | 3,838 |
| Net loans and leases to total assets | 56.0303% | 2,606 |
| Net loans and leases to deposits | 64.3705% | 2,657 |
| Net loans and leases to core deposits | 68.2411% | 2,628 |
| Total domestic deposits to total assets | 87.0434% | 2,503 |
| Equity capital to assets | 9.5232% | 3,127 |
| Core capital (leverage) ratio | 9.3631% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,453,600 | 4,822 |
| Average earning assets | $15,489,600 | 4,806 |
| Average equity | $1,476,400 | 4,829 |
| Average total loans | $9,519,800 | 4,736 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 1,777 |
| Cost of funding earning assets | 0.4892% | 1,105 |
| Net interest margin | 3.4070% | 2,134 |
| Noninterest income to average assets | 0.6435% | 2,036 |
| Noninterest expense to average assets | 3.4666% | 475 |
| Loan and lease loss provision to assets | 0.0060% | 2,853 |
| Net operating income to assets | 0.2735% | 4,555 |
| Return on assets (ROA) | 0.2735% | 4,578 |
| Pretax return on assets | 0.3619% | 4,533 |
| Return on Equity (ROE) | 3.0933% | 4,452 |
| Retained earnings to average equity (ytd only) | 3.0933% | 3,876 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3564% | 306 |
| Assets per employee ($millions) | 5.4377% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 54.4658% | 2,917 |
| Net loans and leases to deposits | 62.9249% | 2,964 |
| Net loans and leases to core deposits | 66.6342% | 2,898 |
| Total domestic deposits to total assets | 86.5567% | 2,527 |
| Equity capital to assets | 9.0664% | 3,772 |
| Core capital (leverage) ratio | 8.9193% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,576,750 | 4,895 |
| Average earning assets | $15,536,250 | 4,880 |
| Average equity | $1,465,500 | 4,902 |
| Average total loans | $9,634,750 | 4,804 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 1,645 |
| Cost of funding earning assets | 0.5133% | 1,131 |
| Net interest margin | 3.4517% | 1,999 |
| Noninterest income to average assets | 0.5161% | 2,554 |
| Noninterest expense to average assets | 3.3604% | 567 |
| Loan and lease loss provision to assets | 0.0120% | 2,703 |
| Net operating income to assets | 0.2760% | 4,550 |
| Return on assets (ROA) | 0.2760% | 4,569 |
| Pretax return on assets | 0.3720% | 4,529 |
| Return on Equity (ROE) | 3.1485% | 4,450 |
| Retained earnings to average equity (ytd only) | 3.1485% | 3,796 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7436% | 352 |
| Assets per employee ($millions) | 5.6697% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 3,118 |
| Loan loss allowance to noncurrent loans | 77.4834% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8878% | 876 |
| Noncurrent loans to loans | 1.5025% | 752 |
| Net loans and leases to total assets | 58.3985% | 2,608 |
| Net loans and leases to deposits | 67.3378% | 2,693 |
| Net loans and leases to core deposits | 71.1176% | 2,679 |
| Total domestic deposits to total assets | 86.7247% | 2,460 |
| Equity capital to assets | 8.6719% | 4,074 |
| Core capital (leverage) ratio | 8.7067% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,664,667 | 4,931 |
| Average earning assets | $15,586,667 | 4,914 |
| Average equity | $1,461,000 | 4,938 |
| Average total loans | $9,845,667 | 4,839 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 1,467 |
| Cost of funding earning assets | 0.5181% | 1,279 |
| Net interest margin | 3.5491% | 1,700 |
| Noninterest income to average assets | 0.4123% | 3,029 |
| Noninterest expense to average assets | 3.2985% | 611 |
| Loan and lease loss provision to assets | 0.0485% | 2,114 |
| Net operating income to assets | 0.2910% | 4,530 |
| Return on assets (ROA) | 0.2910% | 4,564 |
| Pretax return on assets | 0.3881% | 4,499 |
| Return on Equity (ROE) | 3.3012% | 4,414 |
| Retained earnings to average equity (ytd only) | 3.3012% | 3,688 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3117% | 429 |
| Assets per employee ($millions) | 5.6467% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 3,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 57.6741% | 2,834 |
| Net loans and leases to deposits | 66.3407% | 2,886 |
| Net loans and leases to core deposits | 70.0610% | 2,858 |
| Total domestic deposits to total assets | 86.9362% | 2,337 |
| Equity capital to assets | 8.6364% | 4,013 |
| Core capital (leverage) ratio | 8.6660% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,492,500 | 4,960 |
| Average earning assets | $15,440,500 | 4,942 |
| Average equity | $1,454,000 | 4,965 |
| Average total loans | $9,743,500 | 4,866 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7224% | 854 |
| Cost of funding earning assets | 0.7777% | 1,308 |
| Net interest margin | 3.9447% | 1,103 |
| Noninterest income to average assets | 0.5260% | 2,522 |
| Noninterest expense to average assets | 3.7214% | 512 |
| Loan and lease loss provision to assets | 0.0789% | 3,392 |
| Net operating income to assets | 0.3156% | 4,413 |
| Return on assets (ROA) | 0.3156% | 4,484 |
| Pretax return on assets | 0.4274% | 4,376 |
| Return on Equity (ROE) | 3.3026% | 4,301 |
| Retained earnings to average equity (ytd only) | 1.2385% | 4,128 |
| Net charge-offs to loans | 0.0520% | 2,047 |
| Credit loss provision to net charge-offs | 240.0000% | 1,974 |
| Earnings coverage of net charge-offs (x) | 15.4000% | 2,176 |
| Efficiency ratio | 88.0249% | 448 |
| Assets per employee ($millions) | 5.3483% | 3,001 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 2,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 59.1088% | 2,969 |
| Net loans and leases to deposits | 68.0247% | 3,074 |
| Net loans and leases to core deposits | 72.0559% | 3,068 |
| Total domestic deposits to total assets | 86.8931% | 1,989 |
| Equity capital to assets | 9.0059% | 4,046 |
| Core capital (leverage) ratio | 8.9524% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,209,400 | 4,983 |
| Average earning assets | $14,272,400 | 4,971 |
| Average equity | $1,453,400 | 4,986 |
| Average total loans | $9,607,800 | 4,896 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 892 |
| Cost of funding earning assets | 0.8313% | 1,351 |
| Net interest margin | 3.9581% | 1,215 |
| Noninterest income to average assets | 0.4089% | 3,036 |
| Noninterest expense to average assets | 3.4487% | 758 |
| Loan and lease loss provision to assets | 0.0267% | 4,004 |
| Net operating income to assets | 0.5066% | 4,009 |
| Return on assets (ROA) | 0.5066% | 4,106 |
| Pretax return on assets | 0.6577% | 3,987 |
| Return on Equity (ROE) | 5.2214% | 3,820 |
| Retained earnings to average equity (ytd only) | 5.2214% | 2,462 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4409% | 645 |
| Assets per employee ($millions) | 5.2787% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 3,101 |
| Loan loss allowance to noncurrent loans | 2,240.0000% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 4,303 |
| Noncurrent loans to loans | 0.0500% | 4,172 |
| Net loans and leases to total assets | 62.4653% | 2,950 |
| Net loans and leases to deposits | 72.0151% | 3,126 |
| Net loans and leases to core deposits | 76.3331% | 3,143 |
| Total domestic deposits to total assets | 86.7391% | 1,756 |
| Equity capital to assets | 9.3711% | 3,797 |
| Core capital (leverage) ratio | 9.6608% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,000,500 | 5,015 |
| Average earning assets | $14,114,250 | 5,003 |
| Average equity | $1,455,500 | 5,018 |
| Average total loans | $9,609,750 | 4,927 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8913% | 990 |
| Cost of funding earning assets | 0.9117% | 1,319 |
| Net interest margin | 3.9796% | 1,375 |
| Noninterest income to average assets | 0.4211% | 2,966 |
| Noninterest expense to average assets | 3.4778% | 768 |
| Loan and lease loss provision to assets | 0.0272% | 3,911 |
| Net operating income to assets | 0.5026% | 4,012 |
| Return on assets (ROA) | 0.5026% | 4,085 |
| Pretax return on assets | 0.6521% | 3,967 |
| Return on Equity (ROE) | 5.1176% | 3,802 |
| Retained earnings to average equity (ytd only) | 5.1176% | 2,420 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6601% | 659 |
| Assets per employee ($millions) | 5.2563% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,710 |
| Loan loss allowance to noncurrent loans | 652.9412% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 3,989 |
| Noncurrent loans to loans | 0.1782% | 3,734 |
| Net loans and leases to total assets | 59.8009% | 3,349 |
| Net loans and leases to deposits | 71.3367% | 3,316 |
| Net loans and leases to core deposits | 74.2812% | 3,440 |
| Total domestic deposits to total assets | 83.8290% | 2,806 |
| Equity capital to assets | 9.2840% | 3,847 |
| Core capital (leverage) ratio | 9.4263% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,722,000 | 5,048 |
| Average earning assets | $13,820,333 | 5,034 |
| Average equity | $1,446,000 | 5,053 |
| Average total loans | $9,478,333 | 4,962 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1354% | 750 |
| Cost of funding earning assets | 1.0875% | 1,087 |
| Net interest margin | 4.0479% | 1,260 |
| Noninterest income to average assets | 0.5353% | 2,361 |
| Noninterest expense to average assets | 3.6624% | 733 |
| Loan and lease loss provision to assets | 0.0282% | 3,437 |
| Net operating income to assets | 0.5353% | 3,788 |
| Return on assets (ROA) | 0.5353% | 3,851 |
| Pretax return on assets | 0.6198% | 3,888 |
| Return on Equity (ROE) | 5.2888% | 3,542 |
| Retained earnings to average equity (ytd only) | 5.2888% | 2,158 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9673% | 768 |
| Assets per employee ($millions) | 4.8603% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 2,965 |
| Loan loss allowance to noncurrent loans | 647.0588% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 4,041 |
| Noncurrent loans to loans | 0.1769% | 3,839 |
| Net loans and leases to total assets | 65.1601% | 2,916 |
| Net loans and leases to deposits | 75.2614% | 3,144 |
| Net loans and leases to core deposits | 78.5077% | 3,316 |
| Total domestic deposits to total assets | 86.5784% | 1,742 |
| Equity capital to assets | 9.9170% | 3,868 |
| Core capital (leverage) ratio | 9.7987% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $14,198,500 | 5,096 |
| Average earning assets | $13,241,500 | 5,085 |
| Average equity | $1,437,000 | 5,102 |
| Average total loans | $9,447,000 | 5,003 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9690% | 1,553 |
| Cost of funding earning assets | 1.2331% | 940 |
| Net interest margin | 3.7359% | 2,710 |
| Noninterest income to average assets | 1.2771% | 580 |
| Noninterest expense to average assets | 4.0730% | 489 |
| Loan and lease loss provision to assets | 0.1381% | 1,547 |
| Net operating income to assets | 0.4073% | 4,582 |
| Return on assets (ROA) | 0.4073% | 4,615 |
| Pretax return on assets | 0.5799% | 4,440 |
| Return on Equity (ROE) | 4.1655% | 4,426 |
| Retained earnings to average equity (ytd only) | 2.0474% | 3,976 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0144% | 601 |
| Assets per employee ($millions) | 4.6053% | 3,079 |
| Cash dividends to net income (ytd only)* | 50.8475% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 2,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 66.4013% | 2,905 |
| Net loans and leases to deposits | 78.5849% | 2,949 |
| Net loans and leases to core deposits | 80.4455% | 3,261 |
| Total domestic deposits to total assets | 84.4962% | 2,685 |
| Equity capital to assets | 10.3358% | 3,596 |
| Core capital (leverage) ratio | 10.4196% | 3,047 |
| Tier 1 risk-based capital ratio | 16.3724% | 2,266 |
| Total risk-based capital ratio | 17.6221% | 2,208 |
| Memoranda: | ||
| Average total assets | $14,485,600 | 5,154 |
| Average earning assets | $13,624,400 | 5,144 |
| Average equity | $1,416,400 | 5,162 |
| Average total loans | $9,263,800 | 5,064 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9118% | 1,783 |
| Cost of funding earning assets | 1.2809% | 833 |
| Net interest margin | 3.6309% | 3,164 |
| Noninterest income to average assets | 0.5368% | 2,525 |
| Noninterest expense to average assets | 3.5851% | 864 |
| Loan and lease loss provision to assets | 0.0273% | 3,358 |
| Net operating income to assets | 0.2730% | 4,872 |
| Return on assets (ROA) | 0.2730% | 4,887 |
| Pretax return on assets | 0.3549% | 4,854 |
| Return on Equity (ROE) | 2.8299% | 4,794 |
| Retained earnings to average equity (ytd only) | 2.8299% | 3,960 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3670% | 312 |
| Assets per employee ($millions) | 4.7897% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9832% | 3,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 64.4791% | 3,239 |
| Net loans and leases to deposits | 81.9042% | 2,693 |
| Net loans and leases to core deposits | 83.8917% | 3,104 |
| Total domestic deposits to total assets | 78.7250% | 4,230 |
| Equity capital to assets | 9.9450% | 4,075 |
| Core capital (leverage) ratio | 9.4417% | 4,231 |
| Tier 1 risk-based capital ratio | 16.2608% | 2,343 |
| Total risk-based capital ratio | 17.3077% | 2,349 |
| Memoranda: | ||
| Average total assets | $14,653,000 | 5,232 |
| Average earning assets | $13,843,750 | 5,221 |
| Average equity | $1,413,500 | 5,240 |
| Average total loans | $9,259,000 | 5,146 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8281% | 1,974 |
| Cost of funding earning assets | 1.2894% | 765 |
| Net interest margin | 3.5387% | 3,476 |
| Noninterest income to average assets | 0.4882% | 2,743 |
| Noninterest expense to average assets | 3.4853% | 977 |
| Loan and lease loss provision to assets | 0.0271% | 3,278 |
| Net operating income to assets | 0.2441% | 4,943 |
| Return on assets (ROA) | 0.2441% | 4,958 |
| Pretax return on assets | 0.3255% | 4,910 |
| Return on Equity (ROE) | 2.5562% | 4,866 |
| Retained earnings to average equity (ytd only) | 2.5562% | 3,918 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8127% | 326 |
| Assets per employee ($millions) | 4.9730% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 3,807 |
| Loan loss allowance to noncurrent loans | 433.3333% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 4,056 |
| Noncurrent loans to loans | 0.2226% | 3,739 |
| Net loans and leases to total assets | 62.6382% | 3,480 |
| Net loans and leases to deposits | 75.2840% | 3,392 |
| Net loans and leases to core deposits | 76.9389% | 3,651 |
| Total domestic deposits to total assets | 83.2026% | 3,144 |
| Equity capital to assets | 9.4980% | 4,403 |
| Core capital (leverage) ratio | 9.2265% | 4,427 |
| Tier 1 risk-based capital ratio | 16.0059% | 2,408 |
| Total risk-based capital ratio | 17.0338% | 2,443 |
| Memoranda: | ||
| Average total assets | $14,747,670 | 5,278 |
| Average earning assets | $13,960,000 | 5,267 |
| Average equity | $1,408,330 | 5,287 |
| Average total loans | $9,226,330 | 5,194 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7953% | 1,916 |
| Cost of funding earning assets | 1.2999% | 659 |
| Net interest margin | 3.4953% | 3,604 |
| Noninterest income to average assets | 0.4638% | 2,777 |
| Noninterest expense to average assets | 3.4102% | 1,095 |
| Loan and lease loss provision to assets | 0.0273% | 3,060 |
| Net operating income to assets | 0.2728% | 4,932 |
| Return on assets (ROA) | 0.2728% | 4,941 |
| Pretax return on assets | 0.3274% | 4,927 |
| Return on Equity (ROE) | 2.8490% | 4,817 |
| Retained earnings to average equity (ytd only) | 2.8490% | 3,796 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5797% | 373 |
| Assets per employee ($millions) | 5.0180% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 3,795 |
| Loan loss allowance to noncurrent loans | 1,125.0000% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 4,558 |
| Noncurrent loans to loans | 0.0876% | 4,358 |
| Net loans and leases to total assets | 60.0505% | 3,706 |
| Net loans and leases to deposits | 69.3943% | 3,810 |
| Net loans and leases to core deposits | 70.8353% | 4,016 |
| Total domestic deposits to total assets | 86.5351% | 2,047 |
| Equity capital to assets | 9.3596% | 4,375 |
| Core capital (leverage) ratio | 9.4608% | 4,179 |
| Tier 1 risk-based capital ratio | 16.5512% | 2,247 |
| Total risk-based capital ratio | 17.6084% | 2,260 |
| Memoranda: | ||
| Average total assets | $14,662,000 | 5,336 |
| Average earning assets | $13,847,000 | 5,323 |
| Average equity | $1,404,000 | 5,345 |
| Average total loans | $9,121,500 | 5,254 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 2,148 |
| Cost of funding earning assets | 0.8949% | 1,112 |
| Net interest margin | 3.6990% | 3,036 |
| Noninterest income to average assets | 0.3776% | 3,570 |
| Noninterest expense to average assets | 3.6291% | 837 |
| Loan and lease loss provision to assets | 0.0210% | 3,742 |
| Net operating income to assets | 0.1468% | 5,148 |
| Return on assets (ROA) | 0.1468% | 5,142 |
| Pretax return on assets | 0.1958% | 5,119 |
| Return on Equity (ROE) | 1.4989% | 5,108 |
| Retained earnings to average equity (ytd only) | 0.3569% | 4,889 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3636% | 235 |
| Assets per employee ($millions) | 4.7567% | 2,802 |
| Cash dividends to net income (ytd only)* | 76.1905% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 3,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 63.2376% | 3,432 |
| Net loans and leases to deposits | 77.2272% | 3,252 |
| Net loans and leases to core deposits | 79.0123% | 3,500 |
| Total domestic deposits to total assets | 81.8851% | 3,674 |
| Equity capital to assets | 9.8038% | 3,862 |
| Core capital (leverage) ratio | 9.4565% | 4,164 |
| Tier 1 risk-based capital ratio | 16.7165% | 2,164 |
| Total risk-based capital ratio | 17.7799% | 2,173 |
| Memoranda: | ||
| Average total assets | $14,301,000 | 5,383 |
| Average earning assets | $13,409,200 | 5,369 |
| Average equity | $1,401,000 | 5,388 |
| Average total loans | $8,521,600 | 5,314 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 2,153 |
| Cost of funding earning assets | 0.8565% | 1,086 |
| Net interest margin | 3.6851% | 3,073 |
| Noninterest income to average assets | 0.3727% | 3,647 |
| Noninterest expense to average assets | 3.6154% | 836 |
| Loan and lease loss provision to assets | 0.0187% | 3,637 |
| Net operating income to assets | 0.1584% | 5,225 |
| Return on assets (ROA) | 0.1584% | 5,217 |
| Pretax return on assets | 0.1864% | 5,207 |
| Return on Equity (ROE) | 1.6176% | 5,175 |
| Retained earnings to average equity (ytd only) | 1.6176% | 4,693 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6341% | 232 |
| Assets per employee ($millions) | 4.7273% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 3,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 58.9621% | 3,951 |
| Net loans and leases to deposits | 69.1818% | 3,980 |
| Net loans and leases to core deposits | 70.7206% | 4,143 |
| Total domestic deposits to total assets | 85.2278% | 2,518 |
| Equity capital to assets | 9.9492% | 3,700 |
| Core capital (leverage) ratio | 9.8266% | 3,824 |
| Tier 1 risk-based capital ratio | 19.5240% | 1,432 |
| Total risk-based capital ratio | 20.7417% | 1,408 |
| Memoranda: | ||
| Average total assets | $14,308,750 | 5,454 |
| Average earning assets | $13,386,750 | 5,441 |
| Average equity | $1,401,500 | 5,458 |
| Average total loans | $8,373,750 | 5,386 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 2,348 |
| Cost of funding earning assets | 0.7864% | 1,192 |
| Net interest margin | 3.6354% | 3,177 |
| Noninterest income to average assets | 0.3484% | 3,837 |
| Noninterest expense to average assets | 3.5816% | 882 |
| Loan and lease loss provision to assets | 0.0279% | 3,357 |
| Net operating income to assets | 0.1254% | 5,274 |
| Return on assets (ROA) | 0.1254% | 5,267 |
| Pretax return on assets | 0.1533% | 5,269 |
| Return on Equity (ROE) | 1.2872% | 5,241 |
| Retained earnings to average equity (ytd only) | 1.2872% | 4,693 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1852% | 233 |
| Assets per employee ($millions) | 4.8830% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 3,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 58.0517% | 3,986 |
| Net loans and leases to deposits | 67.0927% | 4,092 |
| Net loans and leases to core deposits | 68.5088% | 4,225 |
| Total domestic deposits to total assets | 86.5247% | 2,044 |
| Equity capital to assets | 9.5774% | 4,028 |
| Core capital (leverage) ratio | 9.8984% | 3,682 |
| Tier 1 risk-based capital ratio | 19.3357% | 1,469 |
| Total risk-based capital ratio | 20.5485% | 1,435 |
| Memoranda: | ||
| Average total assets | $14,351,000 | 5,518 |
| Average earning assets | $13,478,670 | 5,505 |
| Average equity | $1,398,330 | 5,521 |
| Average total loans | $8,348,330 | 5,447 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 2,084 |
| Cost of funding earning assets | 0.7487% | 1,198 |
| Net interest margin | 3.6836% | 2,865 |
| Noninterest income to average assets | 0.3098% | 4,089 |
| Noninterest expense to average assets | 3.5770% | 891 |
| Loan and lease loss provision to assets | 0.0282% | 3,147 |
| Net operating income to assets | 0.1408% | 5,295 |
| Return on assets (ROA) | 0.1408% | 5,291 |
| Pretax return on assets | 0.1690% | 5,286 |
| Return on Equity (ROE) | 1.4327% | 5,266 |
| Retained earnings to average equity (ytd only) | 1.4327% | 4,513 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7761% | 277 |
| Assets per employee ($millions) | 4.6690% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,704 |
| Loan loss allowance to noncurrent loans | 78.3784% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.7925% | 1,992 |
| Noncurrent loans to loans | 1.3314% | 1,336 |
| Net loans and leases to total assets | 58.8991% | 3,859 |
| Net loans and leases to deposits | 67.3304% | 3,994 |
| Net loans and leases to core deposits | 68.8016% | 4,170 |
| Total domestic deposits to total assets | 87.4777% | 1,908 |
| Equity capital to assets | 9.9879% | 3,605 |
| Core capital (leverage) ratio | 9.7045% | 3,841 |
| Tier 1 risk-based capital ratio | 20.0229% | 1,341 |
| Total risk-based capital ratio | 21.2681% | 1,312 |
| Memoranda: | ||
| Average total assets | $14,202,000 | 5,580 |
| Average earning assets | $13,356,500 | 5,568 |
| Average equity | $1,396,000 | 5,583 |
| Average total loans | $8,226,500 | 5,510 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4306% | 1,937 |
| Cost of funding earning assets | 0.6555% | 1,268 |
| Net interest margin | 3.7750% | 2,519 |
| Noninterest income to average assets | 0.3963% | 3,660 |
| Noninterest expense to average assets | 3.6090% | 889 |
| Loan and lease loss provision to assets | 0.0212% | 3,877 |
| Net operating income to assets | 0.2618% | 4,999 |
| Return on assets (ROA) | 0.2618% | 5,017 |
| Pretax return on assets | 0.3114% | 5,197 |
| Return on Equity (ROE) | 2.6432% | 4,918 |
| Retained earnings to average equity (ytd only) | 0.5001% | 4,833 |
| Net charge-offs to loans | 0.0838% | 2,260 |
| Credit loss provision to net charge-offs | 42.8571% | 3,413 |
| Earnings coverage of net charge-offs (x) | 6.7143% | 3,147 |
| Efficiency ratio | 91.5619% | 365 |
| Assets per employee ($millions) | 4.7990% | 2,735 |
| Cash dividends to net income (ytd only)* | 81.0811% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 3,563 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.7755% | 4,214 |
| Net loans and leases to deposits | 63.1091% | 4,374 |
| Net loans and leases to core deposits | 64.4359% | 4,508 |
| Total domestic deposits to total assets | 88.3795% | 1,310 |
| Equity capital to assets | 9.6756% | 4,063 |
| Core capital (leverage) ratio | 9.7433% | 3,751 |
| Tier 1 risk-based capital ratio | 20.6004% | 1,210 |
| Total risk-based capital ratio | 21.8574% | 1,184 |
| Memoranda: | ||
| Average total assets | $14,131,400 | 5,648 |
| Average earning assets | $13,271,400 | 5,631 |
| Average equity | $1,399,800 | 5,648 |
| Average total loans | $8,351,600 | 5,568 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4098% | 1,933 |
| Cost of funding earning assets | 0.6458% | 1,267 |
| Net interest margin | 3.7640% | 2,527 |
| Noninterest income to average assets | 0.3982% | 3,698 |
| Noninterest expense to average assets | 3.5927% | 880 |
| Loan and lease loss provision to assets | 0.0190% | 3,763 |
| Net operating income to assets | 0.2654% | 5,278 |
| Return on assets (ROA) | 0.2654% | 5,293 |
| Pretax return on assets | 0.3223% | 5,291 |
| Return on Equity (ROE) | 2.6636% | 5,186 |
| Retained earnings to average equity (ytd only) | 2.6636% | 4,304 |
| Net charge-offs to loans | 0.1109% | 1,677 |
| Credit loss provision to net charge-offs | 28.5714% | 3,095 |
| Earnings coverage of net charge-offs (x) | 5.1447% | 3,142 |
| Efficiency ratio | 91.3253% | 364 |
| Assets per employee ($millions) | 4.7500% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 3,925 |
| Loan loss allowance to noncurrent loans | 71.4286% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.8351% | 2,058 |
| Noncurrent loans to loans | 1.4369% | 1,300 |
| Net loans and leases to total assets | 57.5228% | 4,106 |
| Net loans and leases to deposits | 65.6916% | 4,275 |
| Net loans and leases to core deposits | 67.0950% | 4,416 |
| Total domestic deposits to total assets | 87.5649% | 1,602 |
| Equity capital to assets | 9.9298% | 3,994 |
| Core capital (leverage) ratio | 9.9711% | 3,603 |
| Tier 1 risk-based capital ratio | 20.7569% | 1,240 |
| Total risk-based capital ratio | 22.0038% | 1,209 |
| Memoranda: | ||
| Average total assets | $14,065,000 | 5,713 |
| Average earning assets | $13,212,500 | 5,697 |
| Average equity | $1,401,500 | 5,716 |
| Average total loans | $8,410,500 | 5,629 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4079% | 1,792 |
| Cost of funding earning assets | 0.6210% | 1,326 |
| Net interest margin | 3.7868% | 2,338 |
| Noninterest income to average assets | 0.3856% | 3,786 |
| Noninterest expense to average assets | 3.5849% | 883 |
| Loan and lease loss provision to assets | 0.0286% | 3,427 |
| Net operating income to assets | 0.2856% | 5,254 |
| Return on assets (ROA) | 0.2856% | 5,268 |
| Pretax return on assets | 0.3428% | 5,276 |
| Return on Equity (ROE) | 2.8633% | 5,163 |
| Retained earnings to average equity (ytd only) | 2.8633% | 4,007 |
| Net charge-offs to loans | 0.1656% | 1,174 |
| Credit loss provision to net charge-offs | 28.5714% | 2,735 |
| Earnings coverage of net charge-offs (x) | 3.7143% | 3,012 |
| Efficiency ratio | 90.6137% | 422 |
| Assets per employee ($millions) | 4.7053% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 4,177 |
| Loan loss allowance to noncurrent loans | 68.5484% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 0.8784% | 2,023 |
| Noncurrent loans to loans | 1.4528% | 1,302 |
| Net loans and leases to total assets | 59.8612% | 3,858 |
| Net loans and leases to deposits | 68.3270% | 4,037 |
| Net loans and leases to core deposits | 69.7943% | 4,241 |
| Total domestic deposits to total assets | 87.6098% | 1,655 |
| Equity capital to assets | 9.9674% | 3,950 |
| Core capital (leverage) ratio | 10.0021% | 3,533 |
| Tier 1 risk-based capital ratio | 19.8253% | 1,402 |
| Total risk-based capital ratio | 21.0230% | 1,383 |
| Memoranda: | ||
| Average total assets | $14,003,330 | 5,763 |
| Average earning assets | $13,203,670 | 5,749 |
| Average equity | $1,397,000 | 5,766 |
| Average total loans | $8,453,330 | 5,677 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3296% | 1,883 |
| Cost of funding earning assets | 0.5753% | 1,541 |
| Net interest margin | 3.7543% | 2,288 |
| Noninterest income to average assets | 0.3155% | 4,293 |
| Noninterest expense to average assets | 3.5276% | 1,005 |
| Loan and lease loss provision to assets | 0.0287% | 3,194 |
| Net operating income to assets | 0.2868% | 5,225 |
| Return on assets (ROA) | 0.2868% | 5,241 |
| Pretax return on assets | 0.3155% | 5,291 |
| Return on Equity (ROE) | 2.8736% | 5,135 |
| Retained earnings to average equity (ytd only) | 2.8736% | 3,981 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1111% | 499 |
| Assets per employee ($millions) | 4.6630% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 3,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 59.8041% | 3,807 |
| Net loans and leases to deposits | 68.4167% | 3,955 |
| Net loans and leases to core deposits | 69.9031% | 4,155 |
| Total domestic deposits to total assets | 87.4115% | 2,028 |
| Equity capital to assets | 9.9864% | 3,771 |
| Core capital (leverage) ratio | 9.9431% | 3,572 |
| Tier 1 risk-based capital ratio | 19.6622% | 1,460 |
| Total risk-based capital ratio | 20.9148% | 1,431 |
| Memoranda: | ||
| Average total assets | $13,947,000 | 5,831 |
| Average earning assets | $13,211,500 | 5,816 |
| Average equity | $1,392,000 | 5,830 |
| Average total loans | $8,412,500 | 5,743 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 1,939 |
| Cost of funding earning assets | 0.5654% | 1,561 |
| Net interest margin | 3.7974% | 2,325 |
| Noninterest income to average assets | 0.3981% | 3,900 |
| Noninterest expense to average assets | 3.6050% | 1,009 |
| Loan and lease loss provision to assets | 0.0072% | 4,216 |
| Net operating income to assets | 0.3113% | 5,196 |
| Return on assets (ROA) | 0.3113% | 5,260 |
| Pretax return on assets | 0.3837% | 5,251 |
| Return on Equity (ROE) | 3.0763% | 5,139 |
| Retained earnings to average equity (ytd only) | 0.2146% | 5,234 |
| Net charge-offs to loans | -0.0121% | 4,989 |
| Credit loss provision to net charge-offs | -100.0000% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2174% | 540 |
| Assets per employee ($millions) | 4.6350% | 2,905 |
| Cash dividends to net income (ytd only)* | 93.0233% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 3,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 59.5325% | 3,902 |
| Net loans and leases to deposits | 68.2891% | 4,062 |
| Net loans and leases to core deposits | 69.7800% | 4,261 |
| Total domestic deposits to total assets | 87.1773% | 2,041 |
| Equity capital to assets | 9.9748% | 3,753 |
| Core capital (leverage) ratio | 9.8139% | 3,724 |
| Tier 1 risk-based capital ratio | 20.5970% | 1,277 |
| Total risk-based capital ratio | 21.8444% | 1,245 |
| Memoranda: | ||
| Average total assets | $13,814,000 | 5,886 |
| Average earning assets | $13,087,800 | 5,873 |
| Average equity | $1,397,800 | 5,892 |
| Average total loans | $8,298,000 | 5,802 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3704% | 1,944 |
| Cost of funding earning assets | 0.5718% | 1,535 |
| Net interest margin | 3.7986% | 2,336 |
| Noninterest income to average assets | 0.4061% | 3,881 |
| Noninterest expense to average assets | 3.5867% | 1,015 |
| Loan and lease loss provision to assets | 0.0096% | 4,045 |
| Net operating income to assets | 0.3287% | 5,216 |
| Return on assets (ROA) | 0.3287% | 5,297 |
| Pretax return on assets | 0.4061% | 5,297 |
| Return on Equity (ROE) | 3.2367% | 5,164 |
| Retained earnings to average equity (ytd only) | 3.2367% | 3,972 |
| Net charge-offs to loans | -0.0161% | 4,936 |
| Credit loss provision to net charge-offs | -100.0000% | 4,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6135% | 585 |
| Assets per employee ($millions) | 4.6797% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 57.3118% | 4,167 |
| Net loans and leases to deposits | 65.9670% | 4,348 |
| Net loans and leases to core deposits | 67.3926% | 4,515 |
| Total domestic deposits to total assets | 86.8794% | 1,946 |
| Equity capital to assets | 10.1004% | 4,037 |
| Core capital (leverage) ratio | 10.1744% | 3,355 |
| Tier 1 risk-based capital ratio | 21.9913% | 1,140 |
| Total risk-based capital ratio | 23.2475% | 1,116 |
| Memoranda: | ||
| Average total assets | $13,791,250 | 5,950 |
| Average earning assets | $13,057,250 | 5,939 |
| Average equity | $1,400,500 | 5,957 |
| Average total loans | $8,280,500 | 5,865 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 1,883 |
| Cost of funding earning assets | 0.5707% | 1,543 |
| Net interest margin | 3.8096% | 2,279 |
| Noninterest income to average assets | 0.3939% | 3,916 |
| Noninterest expense to average assets | 3.5890% | 1,023 |
| Loan and lease loss provision to assets | 0.0146% | 3,816 |
| Net operating income to assets | 0.3210% | 5,261 |
| Return on assets (ROA) | 0.3210% | 5,344 |
| Pretax return on assets | 0.3939% | 5,352 |
| Return on Equity (ROE) | 3.1549% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.1549% | 3,894 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7810% | 615 |
| Assets per employee ($millions) | 4.5467% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 4,236 |
| Loan loss allowance to noncurrent loans | 2,225.0000% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 5,470 |
| Noncurrent loans to loans | 0.0472% | 5,273 |
| Net loans and leases to total assets | 61.5396% | 3,679 |
| Net loans and leases to deposits | 70.9852% | 3,888 |
| Net loans and leases to core deposits | 72.5685% | 4,123 |
| Total domestic deposits to total assets | 86.6935% | 2,063 |
| Equity capital to assets | 10.3006% | 3,857 |
| Core capital (leverage) ratio | 10.2487% | 3,272 |
| Tier 1 risk-based capital ratio | 20.8612% | 1,286 |
| Total risk-based capital ratio | 22.1084% | 1,271 |
| Memoranda: | ||
| Average total assets | $13,708,670 | 6,030 |
| Average earning assets | $12,967,330 | 6,016 |
| Average equity | $1,394,670 | 6,033 |
| Average total loans | $8,328,670 | 5,941 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3829% | 1,851 |
| Cost of funding earning assets | 0.5556% | 1,652 |
| Net interest margin | 3.8273% | 2,196 |
| Noninterest income to average assets | 0.3493% | 4,233 |
| Noninterest expense to average assets | 3.5509% | 1,100 |
| Loan and lease loss provision to assets | 0.0291% | 3,271 |
| Net operating income to assets | 0.3202% | 5,241 |
| Return on assets (ROA) | 0.3202% | 5,324 |
| Pretax return on assets | 0.3784% | 5,352 |
| Return on Equity (ROE) | 3.1666% | 5,179 |
| Retained earnings to average equity (ytd only) | 3.1666% | 3,928 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7059% | 691 |
| Assets per employee ($millions) | 4.5703% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 4,197 |
| Loan loss allowance to noncurrent loans | 2,225.0000% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 5,525 |
| Noncurrent loans to loans | 0.0483% | 5,292 |
| Net loans and leases to total assets | 59.7112% | 3,818 |
| Net loans and leases to deposits | 68.8909% | 3,969 |
| Net loans and leases to core deposits | 70.4137% | 4,213 |
| Total domestic deposits to total assets | 86.6749% | 2,370 |
| Equity capital to assets | 10.1743% | 3,870 |
| Core capital (leverage) ratio | 9.7867% | 3,796 |
| Tier 1 risk-based capital ratio | 20.4216% | 1,419 |
| Total risk-based capital ratio | 21.6659% | 1,394 |
| Memoranda: | ||
| Average total assets | $13,743,000 | 6,092 |
| Average earning assets | $12,959,500 | 6,077 |
| Average equity | $1,389,500 | 6,095 |
| Average total loans | $8,251,500 | 5,999 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 2,513 |
| Cost of funding earning assets | 0.5051% | 2,117 |
| Net interest margin | 3.7094% | 2,719 |
| Noninterest income to average assets | 0.4654% | 3,559 |
| Noninterest expense to average assets | 3.4584% | 1,371 |
| Loan and lease loss provision to assets | 0.0215% | 3,955 |
| Net operating income to assets | 0.3938% | 5,075 |
| Return on assets (ROA) | 0.3938% | 5,151 |
| Pretax return on assets | 0.5084% | 5,091 |
| Return on Equity (ROE) | 3.9376% | 4,973 |
| Retained earnings to average equity (ytd only) | 0.3580% | 5,370 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7145% | 939 |
| Assets per employee ($millions) | 4.5917% | 2,891 |
| Cash dividends to net income (ytd only)* | 90.9091% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 4,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 59.0853% | 3,956 |
| Net loans and leases to deposits | 70.7801% | 3,830 |
| Net loans and leases to core deposits | 72.3917% | 4,097 |
| Total domestic deposits to total assets | 83.4773% | 3,683 |
| Equity capital to assets | 10.0472% | 3,904 |
| Core capital (leverage) ratio | 10.1735% | 3,292 |
| Tier 1 risk-based capital ratio | 21.0783% | 1,285 |
| Total risk-based capital ratio | 22.3271% | 1,266 |
| Memoranda: | ||
| Average total assets | $13,965,800 | 6,152 |
| Average earning assets | $13,263,600 | 6,137 |
| Average equity | $1,396,800 | 6,156 |
| Average total loans | $8,363,200 | 6,050 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 2,688 |
| Cost of funding earning assets | 0.4998% | 2,210 |
| Net interest margin | 3.6681% | 2,900 |
| Noninterest income to average assets | 0.4662% | 3,591 |
| Noninterest expense to average assets | 3.3681% | 1,538 |
| Loan and lease loss provision to assets | 0.0191% | 3,894 |
| Net operating income to assets | 0.4567% | 4,948 |
| Return on assets (ROA) | 0.4567% | 5,043 |
| Pretax return on assets | 0.5709% | 5,045 |
| Return on Equity (ROE) | 4.5714% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.5714% | 3,222 |
| Net charge-offs to loans | -0.0158% | 5,123 |
| Credit loss provision to net charge-offs | -200.0000% | 5,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0962% | 1,076 |
| Assets per employee ($millions) | 4.5400% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 4,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 60.6461% | 3,788 |
| Net loans and leases to deposits | 73.5923% | 3,587 |
| Net loans and leases to core deposits | 75.3100% | 3,874 |
| Total domestic deposits to total assets | 82.4082% | 4,022 |
| Equity capital to assets | 10.4699% | 3,632 |
| Core capital (leverage) ratio | 9.8562% | 3,826 |
| Tier 1 risk-based capital ratio | 21.1072% | 1,325 |
| Total risk-based capital ratio | 22.3505% | 1,306 |
| Memoranda: | ||
| Average total assets | $14,013,500 | 6,238 |
| Average earning assets | $13,340,000 | 6,224 |
| Average equity | $1,400,000 | 6,243 |
| Average total loans | $8,397,250 | 6,131 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0741% | 2,997 |
| Cost of funding earning assets | 0.5037% | 2,213 |
| Net interest margin | 3.5704% | 3,207 |
| Noninterest income to average assets | 0.4383% | 3,786 |
| Noninterest expense to average assets | 3.3087% | 1,676 |
| Loan and lease loss provision to assets | 0.0283% | 3,558 |
| Net operating income to assets | 0.4100% | 5,109 |
| Return on assets (ROA) | 0.4100% | 5,212 |
| Pretax return on assets | 0.5090% | 5,200 |
| Return on Equity (ROE) | 4.1687% | 4,956 |
| Retained earnings to average equity (ytd only) | 4.1687% | 3,377 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0294% | 1,059 |
| Assets per employee ($millions) | 4.6737% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 4,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 60.8658% | 3,707 |
| Net loans and leases to deposits | 70.3371% | 3,893 |
| Net loans and leases to core deposits | 71.8471% | 4,155 |
| Total domestic deposits to total assets | 86.5345% | 2,412 |
| Equity capital to assets | 10.0421% | 3,994 |
| Core capital (leverage) ratio | 10.0085% | 3,589 |
| Tier 1 risk-based capital ratio | 20.1287% | 1,520 |
| Total risk-based capital ratio | 21.3724% | 1,492 |
| Memoranda: | ||
| Average total assets | $14,144,670 | 6,315 |
| Average earning assets | $13,500,000 | 6,294 |
| Average equity | $1,391,330 | 6,319 |
| Average total loans | $8,413,670 | 6,206 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 3,413 |
| Cost of funding earning assets | 0.4717% | 2,547 |
| Net interest margin | 3.4786% | 3,514 |
| Noninterest income to average assets | 0.3660% | 4,283 |
| Noninterest expense to average assets | 3.2943% | 1,729 |
| Loan and lease loss provision to assets | 0.0282% | 3,314 |
| Net operating income to assets | 0.2816% | 5,477 |
| Return on assets (ROA) | 0.2816% | 5,573 |
| Pretax return on assets | 0.3660% | 5,504 |
| Return on Equity (ROE) | 2.8923% | 5,419 |
| Retained earnings to average equity (ytd only) | 2.8923% | 4,231 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3130% | 907 |
| Assets per employee ($millions) | 4.7387% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 4,898 |
| Loan loss allowance to noncurrent loans | 48.5876% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 1.2451% | 2,149 |
| Noncurrent loans to loans | 2.1097% | 1,222 |
| Net loans and leases to total assets | 58.4131% | 3,883 |
| Net loans and leases to deposits | 67.3807% | 4,013 |
| Net loans and leases to core deposits | 68.7987% | 4,258 |
| Total domestic deposits to total assets | 86.6911% | 2,557 |
| Equity capital to assets | 9.7636% | 4,419 |
| Core capital (leverage) ratio | 9.4293% | 4,381 |
| Tier 1 risk-based capital ratio | 19.8740% | 1,659 |
| Total risk-based capital ratio | 21.1054% | 1,622 |
| Memoranda: | ||
| Average total assets | $14,206,500 | 6,383 |
| Average earning assets | $13,568,500 | 6,364 |
| Average equity | $1,383,000 | 6,388 |
| Average total loans | $8,310,000 | 6,273 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 2,912 |
| Cost of funding earning assets | 0.5659% | 2,084 |
| Net interest margin | 3.6470% | 3,225 |
| Noninterest income to average assets | 0.4796% | 3,652 |
| Noninterest expense to average assets | 3.5344% | 1,413 |
| Loan and lease loss provision to assets | 0.0148% | 4,314 |
| Net operating income to assets | 0.2878% | 5,547 |
| Return on assets (ROA) | 0.2878% | 5,617 |
| Pretax return on assets | 0.3542% | 5,594 |
| Return on Equity (ROE) | 2.8062% | 5,540 |
| Retained earnings to average equity (ytd only) | 0.2159% | 5,680 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5482% | 810 |
| Assets per employee ($millions) | 4.7323% | 2,682 |
| Cash dividends to net income (ytd only)* | 92.3077% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 4,888 |
| Loan loss allowance to noncurrent loans | 101.1905% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.5917% | 3,815 |
| Noncurrent loans to loans | 1.0207% | 2,785 |
| Net loans and leases to total assets | 57.3713% | 4,138 |
| Net loans and leases to deposits | 66.0691% | 4,321 |
| Net loans and leases to core deposits | 67.4590% | 4,561 |
| Total domestic deposits to total assets | 86.8352% | 2,369 |
| Equity capital to assets | 9.7063% | 4,461 |
| Core capital (leverage) ratio | 9.7668% | 3,876 |
| Tier 1 risk-based capital ratio | 21.0317% | 1,399 |
| Total risk-based capital ratio | 22.2833% | 1,366 |
| Memoranda: | ||
| Average total assets | $13,552,600 | 6,475 |
| Average earning assets | $12,722,800 | 6,457 |
| Average equity | $1,389,800 | 6,472 |
| Average total loans | $8,071,400 | 6,367 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2357% | 2,860 |
| Cost of funding earning assets | 0.5853% | 1,966 |
| Net interest margin | 3.6504% | 3,222 |
| Noninterest income to average assets | 0.4979% | 3,565 |
| Noninterest expense to average assets | 3.5245% | 1,422 |
| Loan and lease loss provision to assets | 0.0199% | 4,005 |
| Net operating income to assets | 0.2788% | 5,655 |
| Return on assets (ROA) | 0.2788% | 5,719 |
| Pretax return on assets | 0.3684% | 5,644 |
| Return on Equity (ROE) | 2.6803% | 5,659 |
| Retained earnings to average equity (ytd only) | 2.6803% | 4,684 |
| Net charge-offs to loans | 0.0166% | 4,207 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 39.0977% | 1,151 |
| Efficiency ratio | 90.0763% | 839 |
| Assets per employee ($millions) | 4.6563% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 4,924 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 4,042 |
| Noncurrent loans to loans | 1.0642% | 2,947 |
| Net loans and leases to total assets | 55.9024% | 4,343 |
| Net loans and leases to deposits | 65.0967% | 4,422 |
| Net loans and leases to core deposits | 66.5049% | 4,662 |
| Total domestic deposits to total assets | 85.8759% | 2,916 |
| Equity capital to assets | 10.0580% | 4,097 |
| Core capital (leverage) ratio | 9.6448% | 4,161 |
| Tier 1 risk-based capital ratio | 21.6433% | 1,316 |
| Total risk-based capital ratio | 22.8919% | 1,298 |
| Memoranda: | ||
| Average total assets | $13,391,500 | 6,554 |
| Average earning assets | $12,528,000 | 6,536 |
| Average equity | $1,392,750 | 6,550 |
| Average total loans | $8,031,750 | 6,442 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 2,536 |
| Cost of funding earning assets | 0.6047% | 1,865 |
| Net interest margin | 3.7102% | 2,918 |
| Noninterest income to average assets | 0.5152% | 3,369 |
| Noninterest expense to average assets | 3.5457% | 1,397 |
| Loan and lease loss provision to assets | 0.0303% | 3,668 |
| Net operating income to assets | 0.2727% | 5,656 |
| Return on assets (ROA) | 0.2727% | 5,731 |
| Pretax return on assets | 0.3788% | 5,616 |
| Return on Equity (ROE) | 2.5924% | 5,660 |
| Retained earnings to average equity (ytd only) | 2.5924% | 4,550 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6552% | 945 |
| Assets per employee ($millions) | 4.5797% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 5,112 |
| Loan loss allowance to noncurrent loans | 8,500.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 6,237 |
| Noncurrent loans to loans | 0.0124% | 6,047 |
| Net loans and leases to total assets | 58.2939% | 3,952 |
| Net loans and leases to deposits | 67.9420% | 4,058 |
| Net loans and leases to core deposits | 69.4322% | 4,324 |
| Total domestic deposits to total assets | 85.7995% | 3,153 |
| Equity capital to assets | 10.1609% | 3,886 |
| Core capital (leverage) ratio | 10.6502% | 2,772 |
| Tier 1 risk-based capital ratio | 20.8153% | 1,483 |
| Total risk-based capital ratio | 22.0696% | 1,463 |
| Memoranda: | ||
| Average total assets | $13,199,000 | 6,622 |
| Average earning assets | $12,236,670 | 6,605 |
| Average equity | $1,388,670 | 6,614 |
| Average total loans | $8,078,000 | 6,502 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 2,338 |
| Cost of funding earning assets | 0.6213% | 1,797 |
| Net interest margin | 3.7278% | 2,758 |
| Noninterest income to average assets | 0.4331% | 3,926 |
| Noninterest expense to average assets | 3.5579% | 1,382 |
| Loan and lease loss provision to assets | 0.0309% | 3,418 |
| Net operating income to assets | 0.2784% | 5,572 |
| Return on assets (ROA) | 0.2784% | 5,616 |
| Pretax return on assets | 0.3713% | 5,539 |
| Return on Equity (ROE) | 2.5993% | 5,589 |
| Retained earnings to average equity (ytd only) | 2.5993% | 4,514 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8438% | 1,051 |
| Assets per employee ($millions) | 4.4400% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 5,344 |
| Loan loss allowance to noncurrent loans | 159.6154% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 4,975 |
| Noncurrent loans to loans | 0.6527% | 4,228 |
| Net loans and leases to total assets | 59.1892% | 3,677 |
| Net loans and leases to deposits | 69.4503% | 3,667 |
| Net loans and leases to core deposits | 71.0334% | 3,981 |
| Total domestic deposits to total assets | 85.2252% | 3,762 |
| Equity capital to assets | 10.4204% | 3,328 |
| Core capital (leverage) ratio | 10.8926% | 2,499 |
| Tier 1 risk-based capital ratio | 22.7834% | 1,163 |
| Total risk-based capital ratio | 24.0336% | 1,150 |
| Memoranda: | ||
| Average total assets | $12,929,000 | 6,697 |
| Average earning assets | $12,232,500 | 6,680 |
| Average equity | $1,385,000 | 6,678 |
| Average total loans | $8,070,000 | 6,572 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7406% | 1,471 |
| Cost of funding earning assets | 0.7162% | 1,703 |
| Net interest margin | 4.0244% | 1,882 |
| Noninterest income to average assets | 0.5534% | 3,377 |
| Noninterest expense to average assets | 3.7111% | 1,271 |
| Loan and lease loss provision to assets | 0.0244% | 4,636 |
| Net operating income to assets | 0.5209% | 4,644 |
| Return on assets (ROA) | 0.5209% | 4,774 |
| Pretax return on assets | 0.6592% | 4,673 |
| Return on Equity (ROE) | 4.6209% | 4,827 |
| Retained earnings to average equity (ytd only) | 1.7329% | 5,004 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4444% | 1,582 |
| Assets per employee ($millions) | 4.1793% | 3,489 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 5,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 64.5238% | 2,950 |
| Net loans and leases to deposits | 76.3856% | 2,927 |
| Net loans and leases to core deposits | 78.2474% | 3,326 |
| Total domestic deposits to total assets | 84.4712% | 3,979 |
| Equity capital to assets | 11.0225% | 2,589 |
| Core capital (leverage) ratio | 11.3456% | 2,077 |
| Tier 1 risk-based capital ratio | 22.0477% | 1,249 |
| Total risk-based capital ratio | 23.2975% | 1,224 |
| Memoranda: | ||
| Average total assets | $12,287,600 | 6,783 |
| Average earning assets | $11,728,400 | 6,763 |
| Average equity | $1,385,000 | 6,767 |
| Average total loans | $8,309,200 | 6,637 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7966% | 1,349 |
| Cost of funding earning assets | 0.7423% | 1,649 |
| Net interest margin | 4.0542% | 1,774 |
| Noninterest income to average assets | 0.5454% | 3,490 |
| Noninterest expense to average assets | 3.6864% | 1,269 |
| Loan and lease loss provision to assets | 0.0109% | 4,775 |
| Net operating income to assets | 0.5780% | 4,436 |
| Return on assets (ROA) | 0.5780% | 4,570 |
| Pretax return on assets | 0.7198% | 4,612 |
| Return on Equity (ROE) | 5.0990% | 4,675 |
| Retained earnings to average equity (ytd only) | 5.0990% | 3,006 |
| Net charge-offs to loans | -0.0159% | 5,996 |
| Credit loss provision to net charge-offs | -100.0000% | 5,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4568% | 1,661 |
| Assets per employee ($millions) | 3.9447% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 5,739 |
| Loan loss allowance to noncurrent loans | 8,200.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 6,483 |
| Noncurrent loans to loans | 0.0121% | 6,330 |
| Net loans and leases to total assets | 68.8609% | 2,161 |
| Net loans and leases to deposits | 85.0804% | 1,735 |
| Net loans and leases to core deposits | 87.3794% | 2,243 |
| Total domestic deposits to total assets | 80.9363% | 5,230 |
| Equity capital to assets | 11.9233% | 1,969 |
| Core capital (leverage) ratio | 11.5803% | 1,976 |
| Tier 1 risk-based capital ratio | 21.2181% | 1,452 |
| Total risk-based capital ratio | 22.4573% | 1,421 |
| Memoranda: | ||
| Average total assets | $12,225,000 | 6,861 |
| Average earning assets | $11,674,750 | 6,840 |
| Average equity | $1,385,750 | 6,847 |
| Average total loans | $8,343,250 | 6,712 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7219% | 1,511 |
| Cost of funding earning assets | 0.7447% | 1,739 |
| Net interest margin | 3.9772% | 1,937 |
| Noninterest income to average assets | 0.5342% | 3,609 |
| Noninterest expense to average assets | 3.6098% | 1,399 |
| Loan and lease loss provision to assets | 0.0162% | 4,570 |
| Net operating income to assets | 0.5827% | 4,386 |
| Return on assets (ROA) | 0.5827% | 4,564 |
| Pretax return on assets | 0.7122% | 4,645 |
| Return on Equity (ROE) | 5.2275% | 4,602 |
| Retained earnings to average equity (ytd only) | 5.2275% | 2,906 |
| Net charge-offs to loans | -0.0239% | 6,029 |
| Credit loss provision to net charge-offs | -100.0000% | 5,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2090% | 1,729 |
| Assets per employee ($millions) | 4.1363% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 6,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 69.5221% | 1,969 |
| Net loans and leases to deposits | 83.0717% | 1,919 |
| Net loans and leases to core deposits | 85.1293% | 2,419 |
| Total domestic deposits to total assets | 83.6893% | 4,456 |
| Equity capital to assets | 11.2257% | 2,540 |
| Core capital (leverage) ratio | 11.3529% | 2,055 |
| Tier 1 risk-based capital ratio | 20.7443% | 1,560 |
| Total risk-based capital ratio | 21.9698% | 1,533 |
| Memoranda: | ||
| Average total assets | $12,355,330 | 6,908 |
| Average earning assets | $11,817,330 | 6,889 |
| Average equity | $1,377,330 | 6,896 |
| Average total loans | $8,380,670 | 6,760 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6666% | 1,632 |
| Cost of funding earning assets | 0.7834% | 1,622 |
| Net interest margin | 3.8832% | 2,169 |
| Noninterest income to average assets | 0.4542% | 4,093 |
| Noninterest expense to average assets | 3.5690% | 1,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4542% | 4,897 |
| Return on assets (ROA) | 0.4542% | 5,060 |
| Pretax return on assets | 0.5840% | 5,012 |
| Return on Equity (ROE) | 4.0891% | 5,047 |
| Retained earnings to average equity (ytd only) | 4.0891% | 3,767 |
| Net charge-offs to loans | -0.0487% | 6,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9375% | 1,527 |
| Assets per employee ($millions) | 4.1010% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 6,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 66.7398% | 2,240 |
| Net loans and leases to deposits | 79.9435% | 2,082 |
| Net loans and leases to core deposits | 81.9461% | 2,576 |
| Total domestic deposits to total assets | 83.4837% | 4,678 |
| Equity capital to assets | 11.1761% | 2,769 |
| Core capital (leverage) ratio | 10.9824% | 2,281 |
| Tier 1 risk-based capital ratio | 20.1953% | 1,721 |
| Total risk-based capital ratio | 21.3937% | 1,703 |
| Memoranda: | ||
| Average total assets | $12,328,500 | 6,985 |
| Average earning assets | $11,743,000 | 6,966 |
| Average equity | $1,369,500 | 6,964 |
| Average total loans | $8,216,500 | 6,839 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5735% | 3,106 |
| Cost of funding earning assets | 0.9100% | 1,883 |
| Net interest margin | 3.6636% | 3,809 |
| Noninterest income to average assets | 0.4361% | 4,352 |
| Noninterest expense to average assets | 3.5418% | 1,737 |
| Loan and lease loss provision to assets | 0.0226% | 5,610 |
| Net operating income to assets | 0.3309% | 5,362 |
| Return on assets (ROA) | 0.3309% | 5,574 |
| Pretax return on assets | 0.3534% | 5,703 |
| Return on Equity (ROE) | 3.2253% | 5,461 |
| Retained earnings to average equity (ytd only) | 1.3928% | 5,181 |
| Net charge-offs to loans | 0.0126% | 5,742 |
| Credit loss provision to net charge-offs | 300.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 682 |
| Efficiency ratio | 90.4031% | 1,031 |
| Assets per employee ($millions) | 4.1180% | 3,704 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 6,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 65.2501% | 2,660 |
| Net loans and leases to deposits | 77.9518% | 2,544 |
| Net loans and leases to core deposits | 79.8910% | 3,022 |
| Total domestic deposits to total assets | 83.7057% | 4,444 |
| Equity capital to assets | 11.0410% | 2,898 |
| Core capital (leverage) ratio | 10.6194% | 2,635 |
| Tier 1 risk-based capital ratio | 20.4821% | 1,564 |
| Total risk-based capital ratio | 21.6950% | 1,546 |
| Memoranda: | ||
| Average total assets | $13,298,400 | 7,042 |
| Average earning assets | $12,638,000 | 7,024 |
| Average equity | $1,364,200 | 7,038 |
| Average total loans | $7,948,800 | 6,914 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4801% | 3,716 |
| Cost of funding earning assets | 0.9334% | 1,960 |
| Net interest margin | 3.5468% | 4,454 |
| Noninterest income to average assets | 0.3744% | 4,832 |
| Noninterest expense to average assets | 3.3888% | 2,031 |
| Loan and lease loss provision to assets | 0.0296% | 5,411 |
| Net operating income to assets | 0.2857% | 5,662 |
| Return on assets (ROA) | 0.2857% | 5,866 |
| Pretax return on assets | 0.3251% | 5,907 |
| Return on Equity (ROE) | 2.8345% | 5,733 |
| Retained earnings to average equity (ytd only) | 2.8345% | 4,849 |
| Net charge-offs to loans | 0.0168% | 5,448 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 36.0902% | 951 |
| Efficiency ratio | 90.5263% | 1,001 |
| Assets per employee ($millions) | 4.2093% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 6,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 65.8616% | 2,679 |
| Net loans and leases to deposits | 79.0589% | 2,526 |
| Net loans and leases to core deposits | 79.0589% | 3,316 |
| Total domestic deposits to total assets | 83.3069% | 4,517 |
| Equity capital to assets | 10.8964% | 3,382 |
| Core capital (leverage) ratio | 10.2616% | 3,210 |
| Tier 1 risk-based capital ratio | 19.6506% | 1,841 |
| Total risk-based capital ratio | 20.8057% | 1,838 |
| Memoranda: | ||
| Average total assets | $13,534,500 | 7,138 |
| Average earning assets | $12,856,500 | 7,119 |
| Average equity | $1,364,250 | 7,134 |
| Average total loans | $7,900,750 | 7,011 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3546% | 4,362 |
| Cost of funding earning assets | 0.9407% | 2,116 |
| Net interest margin | 3.4139% | 5,031 |
| Noninterest income to average assets | 0.3614% | 4,950 |
| Noninterest expense to average assets | 3.3100% | 2,282 |
| Loan and lease loss provision to assets | 0.0434% | 5,135 |
| Net operating income to assets | 0.2602% | 5,731 |
| Return on assets (ROA) | 0.2602% | 5,926 |
| Pretax return on assets | 0.2602% | 6,036 |
| Return on Equity (ROE) | 2.6464% | 5,826 |
| Retained earnings to average equity (ytd only) | 2.6464% | 4,855 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6000% | 952 |
| Assets per employee ($millions) | 4.4633% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 6,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 60.0224% | 3,818 |
| Net loans and leases to deposits | 71.1428% | 3,746 |
| Net loans and leases to core deposits | 71.1428% | 4,397 |
| Total domestic deposits to total assets | 84.3689% | 4,159 |
| Equity capital to assets | 10.2091% | 4,040 |
| Core capital (leverage) ratio | 9.1949% | 4,619 |
| Tier 1 risk-based capital ratio | 19.8998% | 1,723 |
| Total risk-based capital ratio | 21.0929% | 1,712 |
| Memoranda: | ||
| Average total assets | $13,836,670 | 7,197 |
| Average earning assets | $13,181,330 | 7,177 |
| Average equity | $1,360,330 | 7,190 |
| Average total loans | $7,735,330 | 7,078 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 4,927 |
| Cost of funding earning assets | 0.9277% | 2,461 |
| Net interest margin | 3.3217% | 5,399 |
| Noninterest income to average assets | 0.3129% | 5,380 |
| Noninterest expense to average assets | 3.3001% | 2,286 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1422% | 6,138 |
| Return on assets (ROA) | 0.1422% | 6,265 |
| Pretax return on assets | 0.1707% | 6,250 |
| Return on Equity (ROE) | 1.4738% | 6,229 |
| Retained earnings to average equity (ytd only) | 1.4738% | 5,500 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0820% | 764 |
| Assets per employee ($millions) | 5.0093% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 6,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 49.0618% | 5,425 |
| Net loans and leases to deposits | 57.0931% | 5,477 |
| Net loans and leases to core deposits | 57.0931% | 5,808 |
| Total domestic deposits to total assets | 85.9329% | 3,566 |
| Equity capital to assets | 9.0365% | 5,438 |
| Core capital (leverage) ratio | 9.4208% | 4,168 |
| Tier 1 risk-based capital ratio | 18.6758% | 2,086 |
| Total risk-based capital ratio | 19.7653% | 2,112 |
| Memoranda: | ||
| Average total assets | $14,060,000 | 7,258 |
| Average earning assets | $13,366,500 | 7,236 |
| Average equity | $1,357,000 | 7,246 |
| Average total loans | $7,544,000 | 7,145 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6722% | 4,369 |
| Cost of funding earning assets | 1.0817% | 2,796 |
| Net interest margin | 3.5904% | 4,770 |
| Noninterest income to average assets | 0.4192% | 4,459 |
| Noninterest expense to average assets | 3.4198% | 2,195 |
| Loan and lease loss provision to assets | 0.0662% | 5,783 |
| Net operating income to assets | 0.3089% | 5,221 |
| Return on assets (ROA) | 0.3089% | 5,377 |
| Pretax return on assets | 0.3751% | 5,364 |
| Return on Equity (ROE) | 3.0973% | 5,246 |
| Retained earnings to average equity (ytd only) | 1.2537% | 5,265 |
| Net charge-offs to loans | 0.0127% | 6,253 |
| Credit loss provision to net charge-offs | 900.0000% | 251 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 478 |
| Efficiency ratio | 88.5714% | 1,310 |
| Assets per employee ($millions) | 4.3640% | 3,134 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 6,111 |
| Loan loss allowance to noncurrent loans | 139.2857% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 5,897 |
| Noncurrent loans to loans | 0.7333% | 5,230 |
| Net loans and leases to total assets | 57.7375% | 4,423 |
| Net loans and leases to deposits | 68.8183% | 4,307 |
| Net loans and leases to core deposits | 68.8183% | 4,930 |
| Total domestic deposits to total assets | 83.8986% | 4,356 |
| Equity capital to assets | 10.3575% | 3,702 |
| Core capital (leverage) ratio | 9.8245% | 3,555 |
| Tier 1 risk-based capital ratio | 20.1788% | 1,596 |
| Total risk-based capital ratio | 21.3604% | 1,581 |
| Memoranda: | ||
| Average total assets | $13,597,400 | 7,306 |
| Average earning assets | $13,034,600 | 7,282 |
| Average equity | $1,356,000 | 7,303 |
| Average total loans | $7,867,000 | 7,187 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 4,341 |
| Cost of funding earning assets | 1.0948% | 3,014 |
| Net interest margin | 3.6291% | 4,659 |
| Noninterest income to average assets | 0.3401% | 5,137 |
| Noninterest expense to average assets | 3.3518% | 2,344 |
| Loan and lease loss provision to assets | 0.0777% | 5,469 |
| Net operating income to assets | 0.3012% | 5,390 |
| Return on assets (ROA) | 0.3012% | 5,563 |
| Pretax return on assets | 0.3886% | 5,504 |
| Return on Equity (ROE) | 3.0479% | 5,391 |
| Retained earnings to average equity (ytd only) | 3.0479% | 4,509 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7863% | 1,362 |
| Assets per employee ($millions) | 4.4913% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 6,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 57.6815% | 4,554 |
| Net loans and leases to deposits | 69.0354% | 4,445 |
| Net loans and leases to core deposits | 69.0354% | 5,063 |
| Total domestic deposits to total assets | 83.5535% | 4,457 |
| Equity capital to assets | 10.2345% | 4,040 |
| Core capital (leverage) ratio | 10.1906% | 3,199 |
| Tier 1 risk-based capital ratio | 19.1853% | 1,878 |
| Total risk-based capital ratio | 20.2963% | 1,893 |
| Memoranda: | ||
| Average total assets | $13,723,750 | 7,380 |
| Average earning assets | $13,152,500 | 7,355 |
| Average equity | $1,356,000 | 7,379 |
| Average total loans | $7,924,500 | 7,257 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6370% | 4,809 |
| Cost of funding earning assets | 1.1026% | 3,217 |
| Net interest margin | 3.5344% | 4,996 |
| Noninterest income to average assets | 0.4056% | 4,632 |
| Noninterest expense to average assets | 3.3461% | 2,416 |
| Loan and lease loss provision to assets | 0.1159% | 4,828 |
| Net operating income to assets | 0.2897% | 5,410 |
| Return on assets (ROA) | 0.2897% | 5,548 |
| Pretax return on assets | 0.3332% | 5,589 |
| Return on Equity (ROE) | 2.9666% | 5,402 |
| Retained earnings to average equity (ytd only) | 2.9666% | 4,392 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1679% | 1,400 |
| Assets per employee ($millions) | 4.6737% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 6,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 57.3996% | 4,743 |
| Net loans and leases to deposits | 68.0419% | 4,701 |
| Net loans and leases to core deposits | 68.0419% | 5,288 |
| Total domestic deposits to total assets | 84.3592% | 4,186 |
| Equity capital to assets | 9.7425% | 4,476 |
| Core capital (leverage) ratio | 9.6105% | 3,791 |
| Tier 1 risk-based capital ratio | 21.2444% | 1,375 |
| Total risk-based capital ratio | 22.4857% | 1,355 |
| Memoranda: | ||
| Average total assets | $13,807,000 | 7,452 |
| Average earning assets | $13,241,330 | 7,426 |
| Average equity | $1,348,330 | 7,453 |
| Average total loans | $7,949,330 | 7,328 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6637% | 4,680 |
| Cost of funding earning assets | 1.1583% | 3,096 |
| Net interest margin | 3.5054% | 4,987 |
| Noninterest income to average assets | 0.4088% | 4,640 |
| Noninterest expense to average assets | 3.3869% | 2,313 |
| Loan and lease loss provision to assets | 0.0292% | 5,604 |
| Net operating income to assets | 0.2628% | 5,569 |
| Return on assets (ROA) | 0.2628% | 5,632 |
| Pretax return on assets | 0.3504% | 5,508 |
| Return on Equity (ROE) | 2.6876% | 5,520 |
| Retained earnings to average equity (ytd only) | 2.6876% | 4,550 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9225% | 1,335 |
| Assets per employee ($millions) | 4.6513% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 6,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 55.3390% | 5,101 |
| Net loans and leases to deposits | 65.0931% | 5,113 |
| Net loans and leases to core deposits | 65.0931% | 5,613 |
| Total domestic deposits to total assets | 85.0150% | 4,023 |
| Equity capital to assets | 9.6316% | 4,276 |
| Core capital (leverage) ratio | 9.3443% | 4,060 |
| Tier 1 risk-based capital ratio | 19.0613% | 1,786 |
| Total risk-based capital ratio | 20.0835% | 1,816 |
| Memoranda: | ||
| Average total assets | $13,700,000 | 7,511 |
| Average earning assets | $13,122,500 | 7,485 |
| Average equity | $1,339,500 | 7,509 |
| Average total loans | $7,861,000 | 7,389 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3435% | 2,920 |
| Cost of funding earning assets | 1.4732% | 2,801 |
| Net interest margin | 3.8704% | 3,637 |
| Noninterest income to average assets | 0.4859% | 4,278 |
| Noninterest expense to average assets | 3.5876% | 1,956 |
| Loan and lease loss provision to assets | 0.0486% | 6,668 |
| Net operating income to assets | 0.3725% | 4,667 |
| Return on assets (ROA) | 0.3725% | 4,812 |
| Pretax return on assets | 0.4454% | 4,809 |
| Return on Equity (ROE) | 3.4318% | 4,781 |
| Retained earnings to average equity (ytd only) | 1.5667% | 4,746 |
| Net charge-offs to loans | 0.0801% | 6,023 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 10.1667% | 1,744 |
| Efficiency ratio | 87.8968% | 1,491 |
| Assets per employee ($millions) | 4.4820% | 2,906 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 6,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 58.4486% | 4,960 |
| Net loans and leases to deposits | 69.1144% | 4,945 |
| Net loans and leases to core deposits | 69.1144% | 5,538 |
| Total domestic deposits to total assets | 84.5679% | 4,068 |
| Equity capital to assets | 9.9286% | 3,844 |
| Core capital (leverage) ratio | 9.7509% | 3,375 |
| Tier 1 risk-based capital ratio | 19.1217% | 1,689 |
| Total risk-based capital ratio | 20.1396% | 1,718 |
| Memoranda: | ||
| Average total assets | $12,348,200 | 7,607 |
| Average earning assets | $11,471,800 | 7,589 |
| Average equity | $1,340,400 | 7,601 |
| Average total loans | $7,493,000 | 7,484 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4564% | 2,620 |
| Cost of funding earning assets | 1.5197% | 2,847 |
| Net interest margin | 3.9368% | 3,372 |
| Noninterest income to average assets | 0.4859% | 4,292 |
| Noninterest expense to average assets | 3.6221% | 1,738 |
| Loan and lease loss provision to assets | 0.0441% | 6,647 |
| Net operating income to assets | 0.3644% | 4,911 |
| Return on assets (ROA) | 0.3644% | 5,090 |
| Pretax return on assets | 0.4528% | 5,069 |
| Return on Equity (ROE) | 3.2793% | 5,106 |
| Retained earnings to average equity (ytd only) | 3.2793% | 4,139 |
| Net charge-offs to loans | 0.1083% | 5,455 |
| Credit loss provision to net charge-offs | 66.6667% | 5,519 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,321 |
| Efficiency ratio | 87.9357% | 1,451 |
| Assets per employee ($millions) | 4.3673% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 6,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 56.4036% | 5,491 |
| Net loans and leases to deposits | 67.7112% | 5,461 |
| Net loans and leases to core deposits | 67.7112% | 5,973 |
| Total domestic deposits to total assets | 83.3003% | 4,459 |
| Equity capital to assets | 10.4106% | 3,626 |
| Core capital (leverage) ratio | 9.6833% | 3,641 |
| Tier 1 risk-based capital ratio | 19.7089% | 1,602 |
| Total risk-based capital ratio | 20.7188% | 1,618 |
| Memoranda: | ||
| Average total assets | $12,073,750 | 7,709 |
| Average earning assets | $11,142,500 | 7,696 |
| Average equity | $1,341,750 | 7,700 |
| Average total loans | $7,384,000 | 7,584 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6685% | 1,877 |
| Cost of funding earning assets | 1.6089% | 2,605 |
| Net interest margin | 4.0596% | 2,751 |
| Noninterest income to average assets | 0.4433% | 4,577 |
| Noninterest expense to average assets | 3.7166% | 1,526 |
| Loan and lease loss provision to assets | 0.0341% | 6,612 |
| Net operating income to assets | 0.3069% | 5,150 |
| Return on assets (ROA) | 0.3069% | 5,303 |
| Pretax return on assets | 0.3921% | 5,255 |
| Return on Equity (ROE) | 2.6980% | 5,369 |
| Retained earnings to average equity (ytd only) | 2.6980% | 4,421 |
| Net charge-offs to loans | -0.0272% | 7,332 |
| Credit loss provision to net charge-offs | -200.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7119% | 1,360 |
| Assets per employee ($millions) | 3.9157% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 6,560 |
| Loan loss allowance to noncurrent loans | 486.6667% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 7,076 |
| Noncurrent loans to loans | 0.1977% | 6,860 |
| Net loans and leases to total assets | 63.9738% | 4,270 |
| Net loans and leases to deposits | 78.4529% | 3,892 |
| Net loans and leases to core deposits | 78.4529% | 4,874 |
| Total domestic deposits to total assets | 81.5442% | 5,181 |
| Equity capital to assets | 11.4838% | 2,460 |
| Core capital (leverage) ratio | 10.9408% | 2,281 |
| Tier 1 risk-based capital ratio | 21.2219% | 1,308 |
| Total risk-based capital ratio | 22.4018% | 1,293 |
| Memoranda: | ||
| Average total assets | $11,731,000 | 7,779 |
| Average earning assets | $10,690,670 | 7,765 |
| Average equity | $1,334,330 | 7,765 |
| Average total loans | $7,359,330 | 7,651 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6560% | 1,933 |
| Cost of funding earning assets | 1.6323% | 2,759 |
| Net interest margin | 4.0237% | 2,774 |
| Noninterest income to average assets | 0.4777% | 4,220 |
| Noninterest expense to average assets | 3.7192% | 1,482 |
| Loan and lease loss provision to assets | 0.0341% | 6,336 |
| Net operating income to assets | 0.2730% | 5,406 |
| Return on assets (ROA) | 0.2730% | 5,533 |
| Pretax return on assets | 0.3412% | 5,489 |
| Return on Equity (ROE) | 2.4115% | 5,588 |
| Retained earnings to average equity (ytd only) | 2.4115% | 4,690 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8333% | 1,365 |
| Assets per employee ($millions) | 4.0030% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 6,426 |
| Loan loss allowance to noncurrent loans | 473.3333% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 7,166 |
| Noncurrent loans to loans | 0.2128% | 6,910 |
| Net loans and leases to total assets | 58.1064% | 5,418 |
| Net loans and leases to deposits | 69.8149% | 5,367 |
| Net loans and leases to core deposits | 69.8149% | 5,936 |
| Total domestic deposits to total assets | 83.2292% | 4,511 |
| Equity capital to assets | 11.0834% | 2,694 |
| Core capital (leverage) ratio | 11.1235% | 2,148 |
| Tier 1 risk-based capital ratio | 21.4250% | 1,282 |
| Total risk-based capital ratio | 22.5934% | 1,267 |
| Memoranda: | ||
| Average total assets | $11,723,000 | 7,879 |
| Average earning assets | $10,537,500 | 7,867 |
| Average equity | $1,327,000 | 7,850 |
| Average total loans | $7,245,000 | 7,752 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2177% | 1,196 |
| Cost of funding earning assets | 1.9131% | 3,387 |
| Net interest margin | 4.3046% | 1,703 |
| Noninterest income to average assets | 0.4674% | 4,670 |
| Noninterest expense to average assets | 3.8094% | 1,681 |
| Loan and lease loss provision to assets | 0.1411% | 6,229 |
| Net operating income to assets | 0.3968% | 4,144 |
| Return on assets (ROA) | 0.3968% | 4,242 |
| Pretax return on assets | 0.4850% | 4,225 |
| Return on Equity (ROE) | 3.3860% | 4,341 |
| Retained earnings to average equity (ytd only) | 2.2573% | 3,532 |
| Net charge-offs to loans | 0.2207% | 5,241 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 4.4375% | 2,954 |
| Efficiency ratio | 85.8847% | 2,127 |
| Assets per employee ($millions) | 3.8123% | 4,262 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 6,673 |
| Loan loss allowance to noncurrent loans | 466.6667% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 7,153 |
| Noncurrent loans to loans | 0.2016% | 6,921 |
| Net loans and leases to total assets | 64.4487% | 4,502 |
| Net loans and leases to deposits | 78.0992% | 4,348 |
| Net loans and leases to core deposits | 100.0679% | 3,993 |
| Total domestic deposits to total assets | 82.5216% | 4,737 |
| Equity capital to assets | 11.5677% | 2,268 |
| Core capital (leverage) ratio | 11.3290% | 2,017 |
| Tier 1 risk-based capital ratio | 20.4198% | 1,384 |
| Total risk-based capital ratio | 21.5244% | 1,374 |
| Memoranda: | ||
| Average total assets | $11,340,400 | 7,954 |
| Average earning assets | $10,454,000 | 7,937 |
| Average equity | $1,329,000 | 7,948 |
| Average total loans | $7,250,000 | 7,817 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2695% | 1,199 |
| Cost of funding earning assets | 1.9656% | 3,542 |
| Net interest margin | 4.3039% | 1,720 |
| Noninterest income to average assets | 0.4595% | 4,826 |
| Noninterest expense to average assets | 3.7467% | 1,709 |
| Loan and lease loss provision to assets | 0.0236% | 7,120 |
| Net operating income to assets | 0.5066% | 3,955 |
| Return on assets (ROA) | 0.5066% | 4,044 |
| Pretax return on assets | 0.6363% | 4,067 |
| Return on Equity (ROE) | 4.3089% | 4,246 |
| Retained earnings to average equity (ytd only) | 4.3089% | 2,862 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0267% | 2,182 |
| Assets per employee ($millions) | 3.7240% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 6,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 66.0401% | 4,426 |
| Net loans and leases to deposits | 84.2526% | 3,605 |
| Net loans and leases to core deposits | 105.5055% | 3,756 |
| Total domestic deposits to total assets | 78.3835% | 5,985 |
| Equity capital to assets | 12.1106% | 2,183 |
| Core capital (leverage) ratio | 11.3504% | 2,159 |
| Tier 1 risk-based capital ratio | 21.4122% | 1,302 |
| Total risk-based capital ratio | 22.5917% | 1,289 |
| Memoranda: | ||
| Average total assets | $11,316,250 | 8,039 |
| Average earning assets | $10,378,000 | 8,019 |
| Average equity | $1,330,500 | 8,032 |
| Average total loans | $7,202,250 | 7,895 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2756% | 1,272 |
| Cost of funding earning assets | 2.0074% | 3,736 |
| Net interest margin | 4.2682% | 1,755 |
| Noninterest income to average assets | 0.4048% | 5,245 |
| Noninterest expense to average assets | 3.7134% | 1,813 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4400% | 4,339 |
| Return on assets (ROA) | 0.4400% | 4,446 |
| Pretax return on assets | 0.5456% | 4,479 |
| Return on Equity (ROE) | 3.7793% | 4,587 |
| Retained earnings to average equity (ytd only) | 3.7793% | 3,193 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1901% | 2,108 |
| Assets per employee ($millions) | 3.8073% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9335% | 6,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 65.0411% | 4,758 |
| Net loans and leases to deposits | 82.1974% | 4,194 |
| Net loans and leases to core deposits | 102.4125% | 4,241 |
| Total domestic deposits to total assets | 79.1280% | 5,772 |
| Equity capital to assets | 11.6267% | 2,448 |
| Core capital (leverage) ratio | 11.1467% | 2,296 |
| Tier 1 risk-based capital ratio | 20.4571% | 1,494 |
| Total risk-based capital ratio | 21.5680% | 1,473 |
| Memoranda: | ||
| Average total assets | $11,364,330 | 8,128 |
| Average earning assets | $10,262,000 | 8,108 |
| Average equity | $1,323,000 | 8,117 |
| Average total loans | $7,119,670 | 7,987 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3527% | 1,173 |
| Cost of funding earning assets | 2.1176% | 3,572 |
| Net interest margin | 4.2351% | 1,792 |
| Noninterest income to average assets | 0.4234% | 5,018 |
| Noninterest expense to average assets | 3.6346% | 1,783 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4234% | 4,769 |
| Return on assets (ROA) | 0.4234% | 4,942 |
| Pretax return on assets | 0.5293% | 4,979 |
| Return on Equity (ROE) | 3.6350% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.6350% | 3,877 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2881% | 1,955 |
| Assets per employee ($millions) | 3.7450% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 5,931 |
| Loan loss allowance to noncurrent loans | 86.4198% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 5,355 |
| Noncurrent loans to loans | 1.1924% | 4,587 |
| Net loans and leases to total assets | 59.8398% | 5,684 |
| Net loans and leases to deposits | 73.6525% | 5,529 |
| Net loans and leases to core deposits | 91.5192% | 5,401 |
| Total domestic deposits to total assets | 81.2461% | 4,870 |
| Equity capital to assets | 11.7668% | 2,400 |
| Core capital (leverage) ratio | 11.1315% | 2,393 |
| Tier 1 risk-based capital ratio | 21.1714% | 1,424 |
| Total risk-based capital ratio | 22.3328% | 1,409 |
| Memoranda: | ||
| Average total assets | $11,335,500 | 8,178 |
| Average earning assets | $10,011,500 | 8,160 |
| Average equity | $1,320,500 | 8,176 |
| Average total loans | $6,930,000 | 8,039 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6917% | 2,058 |
| Cost of funding earning assets | 2.3872% | 4,776 |
| Net interest margin | 4.3046% | 1,954 |
| Noninterest income to average assets | 0.4378% | 5,136 |
| Noninterest expense to average assets | 3.6689% | 2,010 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5517% | 4,520 |
| Return on assets (ROA) | 0.5517% | 4,371 |
| Pretax return on assets | 0.7005% | 4,398 |
| Return on Equity (ROE) | 4.8868% | 4,440 |
| Retained earnings to average equity (ytd only) | 2.5597% | 3,602 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9679% | 2,057 |
| Assets per employee ($millions) | 3.8120% | 3,931 |
| Cash dividends to net income (ytd only)* | 47.6190% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 6,142 |
| Loan loss allowance to noncurrent loans | 122.8070% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 5,706 |
| Noncurrent loans to loans | 0.8066% | 5,026 |
| Net loans and leases to total assets | 61.1840% | 5,742 |
| Net loans and leases to deposits | 74.9384% | 5,740 |
| Net loans and leases to core deposits | 92.5652% | 5,584 |
| Total domestic deposits to total assets | 81.6457% | 4,346 |
| Equity capital to assets | 11.5338% | 2,617 |
| Core capital (leverage) ratio | 11.1601% | 2,455 |
| Tier 1 risk-based capital ratio | 20.7275% | 1,500 |
| Total risk-based capital ratio | 21.8745% | 1,486 |
| Memoranda: | ||
| Average total assets | $11,420,200 | 8,226 |
| Average earning assets | $10,430,800 | 8,209 |
| Average equity | $1,289,200 | 8,242 |
| Average total loans | $6,780,000 | 8,091 |