Home > Aspire Bank > Performance and Condition Ratios
Aspire Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7756% | 858 |
| Cost of funding earning assets | 2.0324% | 878 |
| Net interest margin | 3.7432% | 1,664 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 2.6855% | 1,772 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.6229% | 3,379 |
| Return on assets (ROA) | 0.6229% | 3,367 |
| Pretax return on assets | 0.8203% | 3,162 |
| Return on Equity (ROE) | 6.1900% | 3,481 |
| Retained earnings to average equity (ytd only) | 5.3493% | 2,467 |
| Net charge-offs to loans | -0.0462% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.0826% | 1,342 |
| Assets per employee ($millions) | 6.2054% | 2,632 |
| Cash dividends to net income (ytd only)* | 13.5501% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 3,025 |
| Loan loss allowance to noncurrent loans | 91.9866% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.9653% | 517 |
| Noncurrent loans to loans | 1.1528% | 627 |
| Net loans and leases to total assets | 82.8500% | 360 |
| Net loans and leases to deposits | 92.2318% | 1,071 |
| Net loans and leases to core deposits | 100.1305% | 1,425 |
| Total domestic deposits to total assets | 89.8200% | 809 |
| Equity capital to assets | 9.8720% | 2,081 |
| Core capital (leverage) ratio | 9.1222% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $59,243,600 | 4,220 |
| Average earning assets | $56,288,600 | 4,184 |
| Average equity | $5,963,400 | 4,164 |
| Average total loans | $51,917,400 | 3,815 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6565% | 842 |
| Cost of funding earning assets | 1.7942% | 1,014 |
| Net interest margin | 3.8623% | 1,474 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.8242% | 1,383 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.6468% | 3,436 |
| Return on assets (ROA) | 0.6468% | 3,430 |
| Pretax return on assets | 0.8427% | 3,238 |
| Return on Equity (ROE) | 6.3900% | 3,570 |
| Retained earnings to average equity (ytd only) | 5.2677% | 2,849 |
| Net charge-offs to loans | -0.0591% | 4,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.0605% | 1,264 |
| Assets per employee ($millions) | 6.2567% | 2,520 |
| Cash dividends to net income (ytd only)* | 17.6056% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 3,053 |
| Loan loss allowance to noncurrent loans | 89.4309% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 536 |
| Noncurrent loans to loans | 1.1891% | 659 |
| Net loans and leases to total assets | 81.7900% | 455 |
| Net loans and leases to deposits | 90.9901% | 1,141 |
| Net loans and leases to core deposits | 100.0411% | 1,317 |
| Total domestic deposits to total assets | 89.8800% | 973 |
| Equity capital to assets | 9.6537% | 2,013 |
| Core capital (leverage) ratio | 8.9495% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $58,541,000 | 4,240 |
| Average earning assets | $55,510,250 | 4,212 |
| Average equity | $5,922,750 | 4,177 |
| Average total loans | $51,906,500 | 3,823 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4458% | 904 |
| Cost of funding earning assets | 1.5581% | 1,150 |
| Net interest margin | 3.8878% | 1,450 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.9546% | 1,122 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.5874% | 3,613 |
| Return on assets (ROA) | 0.5874% | 3,616 |
| Pretax return on assets | 0.7657% | 3,475 |
| Return on Equity (ROE) | 5.7100% | 3,757 |
| Retained earnings to average equity (ytd only) | 5.7107% | 2,724 |
| Net charge-offs to loans | -0.0115% | 3,964 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.4014% | 1,140 |
| Assets per employee ($millions) | 6.8451% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,442 |
| Loan loss allowance to noncurrent loans | 84.9359% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.0129% | 455 |
| Noncurrent loans to loans | 1.1711% | 601 |
| Net loans and leases to total assets | 85.6300% | 175 |
| Net loans and leases to deposits | 95.2203% | 775 |
| Net loans and leases to core deposits | 104.3250% | 1,041 |
| Total domestic deposits to total assets | 89.9300% | 936 |
| Equity capital to assets | 9.6971% | 2,032 |
| Core capital (leverage) ratio | 9.2815% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $57,199,000 | 4,278 |
| Average earning assets | $54,170,000 | 4,246 |
| Average equity | $5,883,667 | 4,204 |
| Average total loans | $51,968,333 | 3,833 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1665% | 999 |
| Cost of funding earning assets | 1.2645% | 1,313 |
| Net interest margin | 3.9021% | 1,482 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.8439% | 1,343 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 0.4655% | 3,976 |
| Return on assets (ROA) | 0.4655% | 3,925 |
| Pretax return on assets | 0.6764% | 3,705 |
| Return on Equity (ROE) | 4.3800% | 3,976 |
| Retained earnings to average equity (ytd only) | 4.3847% | 3,159 |
| Net charge-offs to loans | -0.0078% | 3,769 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.3346% | 1,309 |
| Assets per employee ($millions) | 8.0021% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 3,555 |
| Loan loss allowance to noncurrent loans | 82.8885% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.1372% | 327 |
| Noncurrent loans to loans | 1.1940% | 578 |
| Net loans and leases to total assets | 94.3000% | 7 |
| Net loans and leases to deposits | 105.6547% | 261 |
| Net loans and leases to core deposits | 115.9067% | 540 |
| Total domestic deposits to total assets | 89.2500% | 1,442 |
| Equity capital to assets | 10.4811% | 1,572 |
| Core capital (leverage) ratio | 9.5347% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7505% | 2,800 |
| Memoranda: | ||
| Average total assets | $54,995,500 | 4,365 |
| Average earning assets | $51,562,500 | 4,334 |
| Average equity | $5,838,500 | 4,260 |
| Average total loans | $51,311,000 | 3,887 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 1,023 |
| Cost of funding earning assets | 0.6750% | 657 |
| Net interest margin | 3.6389% | 1,525 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.6472% | 1,687 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.7734% | 3,415 |
| Return on assets (ROA) | 0.7734% | 3,355 |
| Pretax return on assets | 1.0233% | 3,007 |
| Return on Equity (ROE) | 8.1000% | 3,362 |
| Retained earnings to average equity (ytd only) | 7.5234% | 2,018 |
| Net charge-offs to loans | -0.0089% | 3,785 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.7865% | 1,468 |
| Assets per employee ($millions) | 7.7109% | 1,478 |
| Cash dividends to net income (ytd only)* | 7.0796% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 3,459 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 90.3900% | 30 |
| Net loans and leases to deposits | 101.7031% | 374 |
| Net loans and leases to core deposits | 108.2590% | 665 |
| Total domestic deposits to total assets | 88.8700% | 1,754 |
| Equity capital to assets | 10.7566% | 1,354 |
| Core capital (leverage) ratio | 9.2667% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8703% | 2,767 |
| Memoranda: | ||
| Average total assets | $58,439,800 | 4,347 |
| Average earning assets | $54,961,800 | 4,324 |
| Average equity | $5,582,600 | 4,372 |
| Average total loans | $44,762,600 | 3,982 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8849% | 1,519 |
| Cost of funding earning assets | 0.6127% | 408 |
| Net interest margin | 3.2723% | 2,385 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.3865% | 2,382 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8037% | 3,248 |
| Return on assets (ROA) | 0.8037% | 3,208 |
| Pretax return on assets | 0.9291% | 3,240 |
| Return on Equity (ROE) | 8.6600% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.8887% | 2,044 |
| Net charge-offs to loans | -0.0061% | 3,541 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.9784% | 1,512 |
| Assets per employee ($millions) | 11.5866% | 436 |
| Cash dividends to net income (ytd only)* | 8.9136% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 3,270 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 77.1900% | 783 |
| Net loans and leases to deposits | 85.8061% | 1,182 |
| Net loans and leases to core deposits | 88.0811% | 1,406 |
| Total domestic deposits to total assets | 89.9600% | 1,678 |
| Equity capital to assets | 9.8597% | 1,687 |
| Core capital (leverage) ratio | 8.7243% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5609% | 2,639 |
| Memoranda: | ||
| Average total assets | $59,555,750 | 4,376 |
| Average earning assets | $56,147,250 | 4,343 |
| Average equity | $5,526,750 | 4,414 |
| Average total loans | $43,635,000 | 4,027 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6147% | 1,793 |
| Cost of funding earning assets | 0.5776% | 329 |
| Net interest margin | 3.0371% | 2,774 |
| Noninterest income to average assets | 0.2163% | 3,909 |
| Noninterest expense to average assets | 2.3396% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6057% | 3,614 |
| Return on assets (ROA) | 0.6057% | 3,560 |
| Pretax return on assets | 0.7288% | 3,499 |
| Return on Equity (ROE) | 6.6606% | 3,409 |
| Retained earnings to average equity (ytd only) | 6.6606% | 2,108 |
| Net charge-offs to loans | -0.0046% | 3,310 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2473% | 1,250 |
| Assets per employee ($millions) | 10.4797% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 3,309 |
| 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 | 69.8384% | 1,311 |
| Net loans and leases to deposits | 78.1092% | 1,533 |
| Net loans and leases to core deposits | 80.0339% | 1,714 |
| Total domestic deposits to total assets | 89.4112% | 1,994 |
| Equity capital to assets | 8.8552% | 2,491 |
| Core capital (leverage) ratio | 8.1516% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2411% | 2,740 |
| Memoranda: | ||
| Average total assets | $60,096,667 | 4,413 |
| Average earning assets | $56,436,000 | 4,394 |
| Average equity | $5,465,000 | 4,470 |
| Average total loans | $43,116,667 | 4,082 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5432% | 1,662 |
| Cost of funding earning assets | 0.5625% | 343 |
| Net interest margin | 2.9807% | 2,567 |
| Noninterest income to average assets | 0.1840% | 4,058 |
| Noninterest expense to average assets | 2.5074% | 1,865 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3543% | 4,049 |
| Return on assets (ROA) | 0.3543% | 4,014 |
| Pretax return on assets | 0.4565% | 3,940 |
| Return on Equity (ROE) | 3.8422% | 3,920 |
| Retained earnings to average equity (ytd only) | 3.8422% | 2,994 |
| Net charge-offs to loans | -0.0188% | 3,882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5977% | 808 |
| Assets per employee ($millions) | 9.8942% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 3,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 70.1609% | 1,006 |
| Net loans and leases to deposits | 78.7770% | 1,227 |
| Net loans and leases to core deposits | 80.1705% | 1,465 |
| Total domestic deposits to total assets | 89.0626% | 2,053 |
| Equity capital to assets | 9.1620% | 2,560 |
| Core capital (leverage) ratio | 8.3812% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5391% | 2,402 |
| Memoranda: | ||
| Average total assets | $58,706,000 | 4,455 |
| Average earning assets | $54,752,000 | 4,437 |
| Average equity | $5,413,500 | 4,528 |
| Average total loans | $42,482,500 | 4,113 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3219% | 165 |
| Cost of funding earning assets | 0.6655% | 383 |
| Net interest margin | 4.6564% | 217 |
| Noninterest income to average assets | 0.2486% | 3,883 |
| Noninterest expense to average assets | 3.9396% | 304 |
| Loan and lease loss provision to assets | 0.1103% | 1,142 |
| Net operating income to assets | 0.5139% | 4,057 |
| Return on assets (ROA) | 0.5139% | 4,105 |
| Pretax return on assets | 0.5139% | 4,238 |
| Return on Equity (ROE) | 5.7800% | 3,822 |
| Retained earnings to average equity (ytd only) | 4.7291% | 2,902 |
| Net charge-offs to loans | -0.0952% | 4,570 |
| Credit loss provision to net charge-offs | -140.4762% | 3,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3227% | 456 |
| Assets per employee ($millions) | 9.6745% | 739 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 3,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 72.9926% | 751 |
| Net loans and leases to deposits | 82.0854% | 1,061 |
| Net loans and leases to core deposits | 83.4581% | 1,359 |
| Total domestic deposits to total assets | 88.9228% | 1,551 |
| Equity capital to assets | 9.2821% | 3,334 |
| Core capital (leverage) ratio | 8.3508% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3633% | 2,809 |
| Memoranda: | ||
| Average total assets | $53,507,800 | 4,528 |
| Average earning assets | $49,588,000 | 4,511 |
| Average equity | $4,757,800 | 4,651 |
| Average total loans | $44,108,000 | 4,105 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7361% | 116 |
| Cost of funding earning assets | 0.6902% | 401 |
| Net interest margin | 5.0459% | 150 |
| Noninterest income to average assets | 0.2597% | 3,844 |
| Noninterest expense to average assets | 2.3676% | 2,541 |
| Loan and lease loss provision to assets | 0.1508% | 746 |
| Net operating income to assets | 2.4134% | 241 |
| Return on assets (ROA) | 2.4134% | 250 |
| Pretax return on assets | 2.4134% | 386 |
| Return on Equity (ROE) | 27.4761% | 120 |
| Retained earnings to average equity (ytd only) | 26.0269% | 45 |
| Net charge-offs to loans | -0.1351% | 4,707 |
| Credit loss provision to net charge-offs | -131.1111% | 3,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0124% | 4,363 |
| Assets per employee ($millions) | 6.8833% | 1,947 |
| Cash dividends to net income (ytd only)* | 5.2743% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 3,796 |
| 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 | 84.0464% | 113 |
| Net loans and leases to deposits | 98.0779% | 271 |
| Net loans and leases to core deposits | 99.9007% | 589 |
| Total domestic deposits to total assets | 85.6935% | 2,870 |
| Equity capital to assets | 9.1908% | 3,660 |
| Core capital (leverage) ratio | 8.5987% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6786% | 3,106 |
| Memoranda: | ||
| Average total assets | $52,373,000 | 4,602 |
| Average earning assets | $48,487,250 | 4,583 |
| Average equity | $4,600,250 | 4,731 |
| Average total loans | $44,424,750 | 4,157 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8289% | 112 |
| Cost of funding earning assets | 0.7438% | 376 |
| Net interest margin | 5.0851% | 152 |
| Noninterest income to average assets | 0.2720% | 3,774 |
| Noninterest expense to average assets | 2.5294% | 2,051 |
| Loan and lease loss provision to assets | 0.1515% | 783 |
| Net operating income to assets | 2.3196% | 275 |
| Return on assets (ROA) | 2.3196% | 294 |
| Pretax return on assets | 2.3196% | 467 |
| Return on Equity (ROE) | 26.8516% | 151 |
| Retained earnings to average equity (ytd only) | 26.8516% | 59 |
| Net charge-offs to loans | -0.0137% | 3,814 |
| Credit loss provision to net charge-offs | -1,300.0000% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5828% | 4,185 |
| Assets per employee ($millions) | 6.8786% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 4,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 81.9895% | 220 |
| Net loans and leases to deposits | 104.0352% | 185 |
| Net loans and leases to core deposits | 106.1425% | 466 |
| Total domestic deposits to total assets | 78.8094% | 4,361 |
| Equity capital to assets | 8.6500% | 4,086 |
| Core capital (leverage) ratio | 8.8587% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1966% | 3,070 |
| Memoranda: | ||
| Average total assets | $51,475,333 | 4,642 |
| Average earning assets | $47,865,333 | 4,625 |
| Average equity | $4,446,667 | 4,774 |
| Average total loans | $43,648,000 | 4,204 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6682% | 155 |
| Cost of funding earning assets | 0.7745% | 403 |
| Net interest margin | 4.8937% | 211 |
| Noninterest income to average assets | 0.2334% | 3,989 |
| Noninterest expense to average assets | 2.5031% | 2,169 |
| Loan and lease loss provision to assets | 0.1610% | 783 |
| Net operating income to assets | 2.0443% | 539 |
| Return on assets (ROA) | 2.0443% | 580 |
| Pretax return on assets | 2.0443% | 884 |
| Return on Equity (ROE) | 23.6830% | 309 |
| Retained earnings to average equity (ytd only) | 23.6830% | 167 |
| Net charge-offs to loans | -0.0094% | 3,646 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1624% | 3,889 |
| Assets per employee ($millions) | 5.0235% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 4,181 |
| 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 | 86.6826% | 74 |
| Net loans and leases to deposits | 99.4292% | 304 |
| Net loans and leases to core deposits | 101.4231% | 652 |
| Total domestic deposits to total assets | 87.1803% | 2,238 |
| Equity capital to assets | 8.7947% | 3,879 |
| Core capital (leverage) ratio | 7.8592% | 4,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8792% | 3,063 |
| Memoranda: | ||
| Average total assets | $49,698,500 | 4,672 |
| Average earning assets | $45,446,500 | 4,668 |
| Average equity | $4,290,000 | 4,808 |
| Average total loans | $42,707,000 | 4,241 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0153% | 471 |
| Cost of funding earning assets | 1.0596% | 473 |
| Net interest margin | 3.9557% | 1,073 |
| Noninterest income to average assets | 0.2018% | 4,260 |
| Noninterest expense to average assets | 2.4242% | 3,076 |
| Loan and lease loss provision to assets | 0.3357% | 1,048 |
| Net operating income to assets | 1.1303% | 1,802 |
| Return on assets (ROA) | 1.1303% | 1,922 |
| Pretax return on assets | 1.1303% | 2,584 |
| Return on Equity (ROE) | 13.3400% | 953 |
| Retained earnings to average equity (ytd only) | 9.7543% | 635 |
| Net charge-offs to loans | -0.0158% | 4,366 |
| Credit loss provision to net charge-offs | -2,633.3333% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3157% | 3,075 |
| Assets per employee ($millions) | 6.1453% | 2,215 |
| Cash dividends to net income (ytd only)* | 26.8797% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 4,205 |
| 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 | 83.6174% | 195 |
| Net loans and leases to deposits | 106.8628% | 213 |
| Net loans and leases to core deposits | 110.1884% | 501 |
| Total domestic deposits to total assets | 78.2474% | 4,290 |
| Equity capital to assets | 8.4659% | 4,471 |
| Core capital (leverage) ratio | 7.5502% | 4,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8754% | 3,084 |
| Memoranda: | ||
| Average total assets | $47,068,000 | 4,689 |
| Average earning assets | $43,885,600 | 4,674 |
| Average equity | $3,988,000 | 4,841 |
| Average total loans | $38,046,000 | 4,353 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1246% | 476 |
| Cost of funding earning assets | 1.0927% | 552 |
| Net interest margin | 4.0318% | 1,047 |
| Noninterest income to average assets | 0.2091% | 4,224 |
| Noninterest expense to average assets | 2.2458% | 3,560 |
| Loan and lease loss provision to assets | 0.2256% | 1,799 |
| Net operating income to assets | 1.5526% | 807 |
| Return on assets (ROA) | 1.5526% | 883 |
| Pretax return on assets | 1.5526% | 1,317 |
| Return on Equity (ROE) | 18.3204% | 335 |
| Retained earnings to average equity (ytd only) | 13.4868% | 284 |
| Net charge-offs to loans | -0.0179% | 4,382 |
| Credit loss provision to net charge-offs | -1,580.0000% | 4,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8007% | 3,944 |
| Assets per employee ($millions) | 7.7483% | 1,102 |
| Cash dividends to net income (ytd only)* | 26.3838% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6206% | 4,696 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 85.6208% | 170 |
| Net loans and leases to deposits | 121.6540% | 101 |
| Net loans and leases to core deposits | 127.1883% | 286 |
| Total domestic deposits to total assets | 70.3805% | 4,744 |
| Equity capital to assets | 7.6902% | 4,808 |
| Core capital (leverage) ratio | 9.0797% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2893% | 3,063 |
| Memoranda: | ||
| Average total assets | $46,544,500 | 4,717 |
| Average earning assets | $44,048,250 | 4,694 |
| Average equity | $3,944,500 | 4,869 |
| Average total loans | $37,188,000 | 4,397 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 2,750 |
| Cost of funding earning assets | 1.2147% | 479 |
| Net interest margin | 2.9888% | 4,148 |
| Noninterest income to average assets | 2.3637% | 240 |
| Noninterest expense to average assets | 2.3727% | 3,334 |
| Loan and lease loss provision to assets | 0.2404% | 1,753 |
| Net operating income to assets | 2.5860% | 124 |
| Return on assets (ROA) | 2.5860% | 134 |
| Pretax return on assets | 2.5860% | 183 |
| Return on Equity (ROE) | 28.6913% | 72 |
| Retained earnings to average equity (ytd only) | 28.6913% | 31 |
| Net charge-offs to loans | -0.0176% | 4,369 |
| Credit loss provision to net charge-offs | -1,766.6667% | 3,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6370% | 4,745 |
| Assets per employee ($millions) | 10.2282% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6131% | 4,726 |
| Loan loss allowance to noncurrent loans | 109.1667% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 2,441 |
| Noncurrent loans to loans | 0.5617% | 2,478 |
| Net loans and leases to total assets | 83.0430% | 325 |
| Net loans and leases to deposits | 108.5275% | 257 |
| Net loans and leases to core deposits | 114.7873% | 571 |
| Total domestic deposits to total assets | 76.5179% | 4,376 |
| Equity capital to assets | 8.4922% | 4,481 |
| Core capital (leverage) ratio | 8.0191% | 4,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2326% | 2,506 |
| Memoranda: | ||
| Average total assets | $44,084,333 | 4,764 |
| Average earning assets | $41,822,667 | 4,741 |
| Average equity | $3,973,333 | 4,898 |
| Average total loans | $34,112,000 | 4,476 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6506% | 1,853 |
| Cost of funding earning assets | 1.4664% | 301 |
| Net interest margin | 3.1842% | 3,899 |
| Noninterest income to average assets | 0.2367% | 4,137 |
| Noninterest expense to average assets | 2.6728% | 2,772 |
| Loan and lease loss provision to assets | 0.2564% | 1,213 |
| Net operating income to assets | 0.3058% | 4,333 |
| Return on assets (ROA) | 0.3058% | 4,354 |
| Pretax return on assets | 0.3058% | 4,446 |
| Return on Equity (ROE) | 3.2731% | 4,157 |
| Retained earnings to average equity (ytd only) | 3.2731% | 2,973 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6220% | 928 |
| Assets per employee ($millions) | 8.1022% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7706% | 4,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 74.0638% | 1,590 |
| Net loans and leases to deposits | 86.6817% | 1,913 |
| Net loans and leases to core deposits | 91.9691% | 2,160 |
| Total domestic deposits to total assets | 85.4435% | 2,234 |
| Equity capital to assets | 9.3900% | 4,319 |
| Core capital (leverage) ratio | 8.0965% | 4,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0805% | 3,074 |
| Memoranda: | ||
| Average total assets | $40,556,000 | 4,843 |
| Average earning assets | $38,188,500 | 4,816 |
| Average equity | $3,788,500 | 4,956 |
| Average total loans | $29,802,500 | 4,598 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9539% | 1,602 |
| Cost of funding earning assets | 1.2484% | 897 |
| Net interest margin | 3.7055% | 2,800 |
| Noninterest income to average assets | 0.2045% | 4,439 |
| Noninterest expense to average assets | 3.2290% | 1,449 |
| Loan and lease loss provision to assets | 0.1108% | 1,884 |
| Net operating income to assets | 0.3209% | 4,725 |
| Return on assets (ROA) | 0.3209% | 4,752 |
| Pretax return on assets | 0.3209% | 4,803 |
| Return on Equity (ROE) | 3.0347% | 4,657 |
| Retained earnings to average equity (ytd only) | 3.0347% | 3,509 |
| Net charge-offs to loans | 0.2780% | 752 |
| Credit loss provision to net charge-offs | 53.4247% | 3,098 |
| Earnings coverage of net charge-offs (x) | 2.0822% | 3,457 |
| Efficiency ratio | 88.2079% | 427 |
| Assets per employee ($millions) | 6.7668% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7048% | 4,563 |
| Loan loss allowance to noncurrent loans | 20,700.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,680 |
| Noncurrent loans to loans | 0.0034% | 4,592 |
| Net loans and leases to total assets | 71.8234% | 2,117 |
| Net loans and leases to deposits | 83.9891% | 2,338 |
| Net loans and leases to core deposits | 89.0548% | 2,509 |
| Total domestic deposits to total assets | 85.5151% | 2,279 |
| Equity capital to assets | 9.2929% | 4,494 |
| Core capital (leverage) ratio | 7.9822% | 5,043 |
| Tier 1 risk-based capital ratio | 10.4357% | 5,038 |
| Total risk-based capital ratio | 11.1097% | 5,103 |
| Memoranda: | ||
| Average total assets | $35,212,400 | 4,965 |
| Average earning assets | $32,842,800 | 4,948 |
| Average equity | $3,723,600 | 5,016 |
| Average total loans | $26,260,800 | 4,724 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0204% | 1,487 |
| Cost of funding earning assets | 1.1598% | 1,139 |
| Net interest margin | 3.8605% | 2,401 |
| Noninterest income to average assets | 0.1851% | 4,614 |
| Noninterest expense to average assets | 3.3268% | 1,211 |
| Loan and lease loss provision to assets | 0.0591% | 2,713 |
| Net operating income to assets | 0.3898% | 4,739 |
| Return on assets (ROA) | 0.3898% | 4,764 |
| Pretax return on assets | 0.3898% | 4,819 |
| Return on Equity (ROE) | 3.5568% | 4,663 |
| Retained earnings to average equity (ytd only) | 3.5568% | 3,624 |
| Net charge-offs to loans | 0.3924% | 425 |
| Credit loss provision to net charge-offs | 20.0000% | 2,967 |
| Earnings coverage of net charge-offs (x) | 1.5200% | 3,280 |
| Efficiency ratio | 88.1126% | 390 |
| Assets per employee ($millions) | 5.8163% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6733% | 4,697 |
| Loan loss allowance to noncurrent loans | 149.5868% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 2,668 |
| Noncurrent loans to loans | 0.4501% | 2,958 |
| Net loans and leases to total assets | 65.5819% | 3,104 |
| Net loans and leases to deposits | 76.5444% | 3,247 |
| Net loans and leases to core deposits | 81.1630% | 3,302 |
| Total domestic deposits to total assets | 85.6781% | 2,125 |
| Equity capital to assets | 9.2327% | 4,646 |
| Core capital (leverage) ratio | 9.3449% | 4,334 |
| Tier 1 risk-based capital ratio | 10.9367% | 4,942 |
| Total risk-based capital ratio | 11.5570% | 5,050 |
| Memoranda: | ||
| Average total assets | $33,865,250 | 5,052 |
| Average earning assets | $31,497,500 | 5,047 |
| Average equity | $3,711,250 | 5,091 |
| Average total loans | $25,484,000 | 4,808 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3031% | 812 |
| Cost of funding earning assets | 1.1747% | 1,063 |
| Net interest margin | 4.1285% | 1,525 |
| Noninterest income to average assets | 0.2026% | 4,536 |
| Noninterest expense to average assets | 3.4260% | 1,061 |
| Loan and lease loss provision to assets | 0.0950% | 1,952 |
| Net operating income to assets | 0.4876% | 4,555 |
| Return on assets (ROA) | 0.5003% | 4,559 |
| Pretax return on assets | 0.5003% | 4,702 |
| Return on Equity (ROE) | 4.2757% | 4,524 |
| Retained earnings to average equity (ytd only) | 4.2757% | 3,113 |
| Net charge-offs to loans | 0.6076% | 250 |
| Credit loss provision to net charge-offs | 19.7368% | 2,655 |
| Earnings coverage of net charge-offs (x) | 1.2105% | 3,041 |
| Efficiency ratio | 85.4660% | 571 |
| Assets per employee ($millions) | 3.9556% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6623% | 4,774 |
| Loan loss allowance to noncurrent loans | 40.3587% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.4094% | 840 |
| Noncurrent loans to loans | 1.6409% | 939 |
| Net loans and leases to total assets | 85.3215% | 265 |
| Net loans and leases to deposits | 96.9479% | 937 |
| Net loans and leases to core deposits | 101.3475% | 1,609 |
| Total domestic deposits to total assets | 88.0076% | 1,096 |
| Equity capital to assets | 11.8155% | 2,328 |
| Core capital (leverage) ratio | 9.9373% | 3,653 |
| Tier 1 risk-based capital ratio | 10.8236% | 4,984 |
| Total risk-based capital ratio | 11.4380% | 5,124 |
| Memoranda: | ||
| Average total assets | $31,582,330 | 5,126 |
| Average earning assets | $29,115,000 | 5,117 |
| Average equity | $3,695,330 | 5,131 |
| Average total loans | $25,018,000 | 4,856 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1690% | 962 |
| Cost of funding earning assets | 1.1471% | 1,054 |
| Net interest margin | 4.0218% | 1,786 |
| Noninterest income to average assets | 0.1141% | 5,033 |
| Noninterest expense to average assets | 3.4611% | 1,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3423% | 4,849 |
| Return on assets (ROA) | 0.3423% | 4,857 |
| Pretax return on assets | 0.3423% | 4,912 |
| Return on Equity (ROE) | 2.9400% | 4,797 |
| Retained earnings to average equity (ytd only) | 2.9400% | 3,760 |
| Net charge-offs to loans | 0.3175% | 473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.4211% | 2,600 |
| Efficiency ratio | 91.0000% | 358 |
| Assets per employee ($millions) | 4.7934% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8922% | 4,193 |
| Loan loss allowance to noncurrent loans | 264.2857% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 3,610 |
| Noncurrent loans to loans | 0.3376% | 3,367 |
| Net loans and leases to total assets | 73.4965% | 1,901 |
| Net loans and leases to deposits | 82.6857% | 2,541 |
| Net loans and leases to core deposits | 86.1550% | 2,855 |
| Total domestic deposits to total assets | 88.8866% | 917 |
| Equity capital to assets | 10.9883% | 2,864 |
| Core capital (leverage) ratio | 10.0454% | 3,555 |
| Tier 1 risk-based capital ratio | 12.2003% | 4,354 |
| Total risk-based capital ratio | 13.0686% | 4,458 |
| Memoranda: | ||
| Average total assets | $31,551,000 | 5,183 |
| Average earning assets | $28,942,000 | 5,170 |
| Average equity | $3,673,500 | 5,182 |
| Average total loans | $23,937,000 | 4,943 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7468% | 1,688 |
| Cost of funding earning assets | 0.8179% | 1,446 |
| Net interest margin | 3.9289% | 2,233 |
| Noninterest income to average assets | 0.1007% | 5,147 |
| Noninterest expense to average assets | 3.2854% | 1,358 |
| Loan and lease loss provision to assets | 0.0650% | 2,851 |
| Net operating income to assets | 0.3250% | 4,977 |
| Return on assets (ROA) | 0.3250% | 4,971 |
| Pretax return on assets | 0.3250% | 5,026 |
| Return on Equity (ROE) | 2.7498% | 4,949 |
| Retained earnings to average equity (ytd only) | 2.7498% | 4,024 |
| Net charge-offs to loans | 0.1032% | 1,725 |
| Credit loss provision to net charge-offs | 86.9565% | 2,760 |
| Earnings coverage of net charge-offs (x) | 5.2174% | 3,210 |
| Efficiency ratio | 89.3899% | 374 |
| Assets per employee ($millions) | 4.2211% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,395 |
| Loan loss allowance to noncurrent loans | 273.8636% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 3,384 |
| Noncurrent loans to loans | 0.3828% | 3,162 |
| Net loans and leases to total assets | 76.9934% | 1,443 |
| Net loans and leases to deposits | 88.1715% | 2,021 |
| Net loans and leases to core deposits | 91.3765% | 2,464 |
| Total domestic deposits to total assets | 87.3223% | 1,634 |
| Equity capital to assets | 12.3866% | 1,643 |
| Core capital (leverage) ratio | 10.7765% | 2,757 |
| Tier 1 risk-based capital ratio | 12.9530% | 3,874 |
| Total risk-based capital ratio | 13.9625% | 3,892 |
| Memoranda: | ||
| Average total assets | $30,772,400 | 5,229 |
| Average earning assets | $27,997,800 | 5,224 |
| Average equity | $3,636,600 | 5,219 |
| Average total loans | $22,289,800 | 5,021 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7152% | 1,630 |
| Cost of funding earning assets | 0.7504% | 1,583 |
| Net interest margin | 3.9647% | 2,066 |
| Noninterest income to average assets | 0.1030% | 5,206 |
| Noninterest expense to average assets | 3.1704% | 1,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5363% | 4,681 |
| Return on assets (ROA) | 0.5363% | 4,687 |
| Pretax return on assets | 0.5363% | 4,846 |
| Return on Equity (ROE) | 4.5902% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.5902% | 3,453 |
| Net charge-offs to loans | 0.0181% | 2,790 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 41.6650% | 1,322 |
| Efficiency ratio | 85.5324% | 541 |
| Assets per employee ($millions) | 3.9670% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 3,157 |
| Loan loss allowance to noncurrent loans | 169.7183% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.5114% | 2,676 |
| Noncurrent loans to loans | 0.6513% | 2,459 |
| Net loans and leases to total assets | 77.6477% | 1,393 |
| Net loans and leases to deposits | 89.7108% | 1,937 |
| Net loans and leases to core deposits | 93.2169% | 2,375 |
| Total domestic deposits to total assets | 86.5534% | 1,947 |
| Equity capital to assets | 13.2702% | 1,221 |
| Core capital (leverage) ratio | 11.2800% | 2,347 |
| Tier 1 risk-based capital ratio | 13.5805% | 3,585 |
| Total risk-based capital ratio | 14.6305% | 3,617 |
| Memoranda: | ||
| Average total assets | $31,078,500 | 5,295 |
| Average earning assets | $28,248,500 | 5,285 |
| Average equity | $3,630,750 | 5,284 |
| Average total loans | $22,114,500 | 5,086 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6198% | 1,725 |
| Cost of funding earning assets | 0.7482% | 1,373 |
| Net interest margin | 3.8716% | 2,305 |
| Noninterest income to average assets | 0.1057% | 5,254 |
| Noninterest expense to average assets | 2.9333% | 2,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6774% | 4,260 |
| Return on assets (ROA) | 0.6774% | 4,267 |
| Pretax return on assets | 0.6774% | 4,563 |
| Return on Equity (ROE) | 6.0343% | 4,227 |
| Retained earnings to average equity (ytd only) | 6.0343% | 2,541 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2392% | 896 |
| Assets per employee ($millions) | 4.7978% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,355 |
| Loan loss allowance to noncurrent loans | 51.4768% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.6466% | 759 |
| Noncurrent loans to loans | 2.1089% | 677 |
| Net loans and leases to total assets | 77.2293% | 1,436 |
| Net loans and leases to deposits | 88.6549% | 2,023 |
| Net loans and leases to core deposits | 92.9198% | 2,317 |
| Total domestic deposits to total assets | 87.1122% | 1,794 |
| Equity capital to assets | 12.7453% | 1,423 |
| Core capital (leverage) ratio | 10.0116% | 3,568 |
| Tier 1 risk-based capital ratio | 13.6458% | 3,534 |
| Total risk-based capital ratio | 14.7195% | 3,548 |
| Memoranda: | ||
| Average total assets | $32,181,670 | 5,350 |
| Average earning assets | $29,135,330 | 5,339 |
| Average equity | $3,612,670 | 5,351 |
| Average total loans | $22,218,330 | 5,143 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4288% | 2,098 |
| Cost of funding earning assets | 0.7228% | 1,330 |
| Net interest margin | 3.7060% | 2,773 |
| Noninterest income to average assets | 0.1181% | 5,261 |
| Noninterest expense to average assets | 2.8926% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5549% | 4,559 |
| Return on assets (ROA) | 0.5549% | 4,561 |
| Pretax return on assets | 0.5549% | 4,782 |
| Return on Equity (ROE) | 5.2448% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.2448% | 3,062 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9041% | 804 |
| Assets per employee ($millions) | 5.6245% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 3,254 |
| Loan loss allowance to noncurrent loans | 219.8198% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 3,519 |
| Noncurrent loans to loans | 0.5103% | 2,988 |
| Net loans and leases to total assets | 63.7360% | 3,346 |
| Net loans and leases to deposits | 71.4276% | 3,667 |
| Net loans and leases to core deposits | 72.6336% | 3,911 |
| Total domestic deposits to total assets | 89.2316% | 994 |
| Equity capital to assets | 10.6884% | 2,881 |
| Core capital (leverage) ratio | 9.3906% | 4,202 |
| Tier 1 risk-based capital ratio | 12.8114% | 4,057 |
| Total risk-based capital ratio | 13.8401% | 4,089 |
| Memoranda: | ||
| Average total assets | $33,879,000 | 5,378 |
| Average earning assets | $30,437,000 | 5,383 |
| Average equity | $3,584,500 | 5,410 |
| Average total loans | $22,089,500 | 5,206 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6984% | 1,198 |
| Cost of funding earning assets | 0.7362% | 863 |
| Net interest margin | 3.9623% | 1,875 |
| Noninterest income to average assets | 0.1072% | 5,385 |
| Noninterest expense to average assets | 3.2584% | 1,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4158% | 4,640 |
| Return on assets (ROA) | 0.4158% | 4,663 |
| Pretax return on assets | 0.4158% | 5,068 |
| Return on Equity (ROE) | 3.6580% | 4,624 |
| Retained earnings to average equity (ytd only) | 3.6580% | 3,059 |
| Net charge-offs to loans | 0.0368% | 3,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 2,207 |
| Efficiency ratio | 88.6826% | 491 |
| Assets per employee ($millions) | 4.8587% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 3,417 |
| Loan loss allowance to noncurrent loans | 3,050.0000% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 5,038 |
| Noncurrent loans to loans | 0.0357% | 4,851 |
| Net loans and leases to total assets | 65.2201% | 3,200 |
| Net loans and leases to deposits | 72.9071% | 3,606 |
| Net loans and leases to core deposits | 77.1977% | 3,652 |
| Total domestic deposits to total assets | 89.4564% | 794 |
| Equity capital to assets | 10.4731% | 3,192 |
| Core capital (leverage) ratio | 9.3493% | 4,231 |
| Tier 1 risk-based capital ratio | 12.5309% | 4,190 |
| Total risk-based capital ratio | 13.5535% | 4,237 |
| Memoranda: | ||
| Average total assets | $30,781,600 | 5,480 |
| Average earning assets | $27,711,400 | 5,470 |
| Average equity | $3,499,200 | 5,480 |
| Average total loans | $21,752,200 | 5,266 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7278% | 1,077 |
| Cost of funding earning assets | 0.7225% | 874 |
| Net interest margin | 4.0054% | 1,682 |
| Noninterest income to average assets | 0.1157% | 5,417 |
| Noninterest expense to average assets | 3.2649% | 1,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4759% | 4,807 |
| Return on assets (ROA) | 0.4759% | 4,847 |
| Pretax return on assets | 0.4759% | 5,075 |
| Return on Equity (ROE) | 4.0953% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.0953% | 3,481 |
| Net charge-offs to loans | 0.0556% | 2,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 11.8883% | 2,468 |
| Efficiency ratio | 87.2771% | 553 |
| Assets per employee ($millions) | 4.9457% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 3,982 |
| Loan loss allowance to noncurrent loans | 60.1485% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.3615% | 1,156 |
| Noncurrent loans to loans | 1.6868% | 1,073 |
| Net loans and leases to total assets | 79.8949% | 1,000 |
| Net loans and leases to deposits | 90.8561% | 1,704 |
| Net loans and leases to core deposits | 96.1629% | 2,054 |
| Total domestic deposits to total assets | 87.9356% | 1,403 |
| Equity capital to assets | 11.9465% | 2,001 |
| Core capital (leverage) ratio | 10.8507% | 2,597 |
| Tier 1 risk-based capital ratio | 12.2510% | 4,464 |
| Total risk-based capital ratio | 13.2510% | 4,504 |
| Memoranda: | ||
| Average total assets | $29,974,250 | 5,549 |
| Average earning assets | $27,129,500 | 5,540 |
| Average equity | $3,483,500 | 5,546 |
| Average total loans | $21,583,750 | 5,321 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 1,334 |
| Cost of funding earning assets | 0.7296% | 762 |
| Net interest margin | 3.8394% | 2,133 |
| Noninterest income to average assets | 0.1064% | 5,494 |
| Noninterest expense to average assets | 3.2320% | 1,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3392% | 5,128 |
| Return on assets (ROA) | 0.3392% | 5,149 |
| Pretax return on assets | 0.3392% | 5,286 |
| Return on Equity (ROE) | 2.9454% | 5,139 |
| Retained earnings to average equity (ytd only) | 2.9454% | 3,964 |
| Net charge-offs to loans | -0.0192% | 4,771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5028% | 427 |
| Assets per employee ($millions) | 4.8153% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 3,611 |
| Loan loss allowance to noncurrent loans | 58.7007% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.4918% | 1,025 |
| Noncurrent loans to loans | 1.8656% | 946 |
| Net loans and leases to total assets | 79.0842% | 1,083 |
| Net loans and leases to deposits | 90.0915% | 1,714 |
| Net loans and leases to core deposits | 97.9551% | 1,814 |
| Total domestic deposits to total assets | 87.7821% | 1,579 |
| Equity capital to assets | 12.0864% | 1,872 |
| Core capital (leverage) ratio | 9.8016% | 3,777 |
| Tier 1 risk-based capital ratio | 12.5246% | 4,290 |
| Total risk-based capital ratio | 13.6083% | 4,270 |
| Memoranda: | ||
| Average total assets | $30,074,330 | 5,594 |
| Average earning assets | $27,139,330 | 5,591 |
| Average equity | $3,463,000 | 5,592 |
| Average total loans | $20,794,670 | 5,386 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4040% | 1,638 |
| Cost of funding earning assets | 0.7437% | 679 |
| Net interest margin | 3.6603% | 2,653 |
| Noninterest income to average assets | 0.0783% | 5,651 |
| Noninterest expense to average assets | 3.0392% | 2,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3131% | 5,160 |
| Return on assets (ROA) | 0.3131% | 5,186 |
| Pretax return on assets | 0.3131% | 5,298 |
| Return on Equity (ROE) | 2.7838% | 5,154 |
| Retained earnings to average equity (ytd only) | 2.7838% | 4,015 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6615% | 522 |
| Assets per employee ($millions) | 6.3846% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 2,966 |
| Loan loss allowance to noncurrent loans | 183.2117% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4292% | 3,470 |
| Noncurrent loans to loans | 0.6692% | 2,839 |
| Net loans and leases to total assets | 63.3430% | 3,354 |
| Net loans and leases to deposits | 72.3911% | 3,574 |
| Net loans and leases to core deposits | 78.8374% | 3,406 |
| Total domestic deposits to total assets | 87.5012% | 1,988 |
| Equity capital to assets | 10.8448% | 2,804 |
| Core capital (leverage) ratio | 9.4160% | 4,216 |
| Tier 1 risk-based capital ratio | 12.7607% | 4,220 |
| Total risk-based capital ratio | 13.8675% | 4,221 |
| Memoranda: | ||
| Average total assets | $30,665,500 | 5,652 |
| Average earning assets | $27,429,500 | 5,648 |
| Average equity | $3,448,500 | 5,652 |
| Average total loans | $19,641,000 | 5,477 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 1,716 |
| Cost of funding earning assets | 0.7266% | 714 |
| Net interest margin | 3.7117% | 2,644 |
| Noninterest income to average assets | 0.1970% | 5,234 |
| Noninterest expense to average assets | 2.9266% | 2,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5945% | 4,227 |
| Return on assets (ROA) | 0.5945% | 4,339 |
| Pretax return on assets | 0.5945% | 4,801 |
| Return on Equity (ROE) | 5.0325% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.0325% | 2,321 |
| Net charge-offs to loans | -0.0308% | 5,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 1,221 |
| Assets per employee ($millions) | 4.9013% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 2,364 |
| 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 | 63.1087% | 3,466 |
| Net loans and leases to deposits | 72.9377% | 3,622 |
| Net loans and leases to core deposits | 80.4744% | 3,354 |
| Total domestic deposits to total assets | 86.5241% | 2,363 |
| Equity capital to assets | 11.6805% | 2,019 |
| Core capital (leverage) ratio | 9.9784% | 3,505 |
| Tier 1 risk-based capital ratio | 13.7638% | 3,600 |
| Total risk-based capital ratio | 14.9688% | 3,542 |
| Memoranda: | ||
| Average total assets | $28,429,000 | 5,735 |
| Average earning assets | $25,460,200 | 5,727 |
| Average equity | $3,358,200 | 5,718 |
| Average total loans | $19,490,600 | 5,535 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 1,493 |
| Cost of funding earning assets | 0.7239% | 726 |
| Net interest margin | 3.7888% | 2,369 |
| Noninterest income to average assets | 0.1608% | 5,468 |
| Noninterest expense to average assets | 2.9330% | 2,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6197% | 4,216 |
| Return on assets (ROA) | 0.6197% | 4,337 |
| Pretax return on assets | 0.6197% | 4,824 |
| Return on Equity (ROE) | 5.2309% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.2309% | 2,677 |
| Net charge-offs to loans | -0.0271% | 5,119 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8256% | 1,319 |
| Assets per employee ($millions) | 4.7412% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,825 |
| 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 | 67.8806% | 2,817 |
| Net loans and leases to deposits | 78.8035% | 3,099 |
| Net loans and leases to core deposits | 88.2824% | 2,732 |
| Total domestic deposits to total assets | 86.1391% | 2,287 |
| Equity capital to assets | 11.9978% | 2,117 |
| Core capital (leverage) ratio | 10.1687% | 3,361 |
| Tier 1 risk-based capital ratio | 13.5315% | 3,844 |
| Total risk-based capital ratio | 14.7158% | 3,793 |
| Memoranda: | ||
| Average total assets | $28,184,250 | 5,801 |
| Average earning assets | $25,231,750 | 5,791 |
| Average equity | $3,339,000 | 5,780 |
| Average total loans | $19,660,750 | 5,584 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 1,628 |
| Cost of funding earning assets | 0.7044% | 785 |
| Net interest margin | 3.7597% | 2,479 |
| Noninterest income to average assets | 0.1424% | 5,600 |
| Noninterest expense to average assets | 2.9399% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5837% | 4,338 |
| Return on assets (ROA) | 0.5837% | 4,463 |
| Pretax return on assets | 0.5837% | 4,931 |
| Return on Equity (ROE) | 4.9482% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.9482% | 2,772 |
| Net charge-offs to loans | -0.0406% | 5,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4343% | 1,100 |
| Assets per employee ($millions) | 4.6727% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 3,104 |
| Loan loss allowance to noncurrent loans | 25.4862% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 3.4848% | 309 |
| Noncurrent loans to loans | 4.8848% | 182 |
| Net loans and leases to total assets | 70.4523% | 2,411 |
| Net loans and leases to deposits | 81.8159% | 2,728 |
| Net loans and leases to core deposits | 92.8938% | 2,270 |
| Total domestic deposits to total assets | 86.1107% | 2,365 |
| Equity capital to assets | 11.9882% | 2,128 |
| Core capital (leverage) ratio | 9.6695% | 3,974 |
| Tier 1 risk-based capital ratio | 13.5842% | 3,849 |
| Total risk-based capital ratio | 14.7961% | 3,785 |
| Memoranda: | ||
| Average total assets | $28,096,670 | 5,876 |
| Average earning assets | $25,268,000 | 5,864 |
| Average equity | $3,314,330 | 5,850 |
| Average total loans | $19,694,670 | 5,644 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 1,761 |
| Cost of funding earning assets | 0.6829% | 876 |
| Net interest margin | 3.7323% | 2,547 |
| Noninterest income to average assets | 0.1707% | 5,471 |
| Noninterest expense to average assets | 2.9580% | 2,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5546% | 4,393 |
| Return on assets (ROA) | 0.5546% | 4,497 |
| Pretax return on assets | 0.5546% | 4,944 |
| Return on Equity (ROE) | 4.7402% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.7402% | 3,095 |
| Net charge-offs to loans | -0.0409% | 5,229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2105% | 1,134 |
| Assets per employee ($millions) | 5.9768% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 3,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 4,073 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 64.9277% | 3,118 |
| Net loans and leases to deposits | 74.4808% | 3,380 |
| Net loans and leases to core deposits | 85.5662% | 2,790 |
| Total domestic deposits to total assets | 87.1737% | 2,115 |
| Equity capital to assets | 11.0929% | 2,833 |
| Core capital (leverage) ratio | 10.1495% | 3,371 |
| Tier 1 risk-based capital ratio | 13.2778% | 4,108 |
| Total risk-based capital ratio | 14.4739% | 4,062 |
| Memoranda: | ||
| Average total assets | $28,127,000 | 5,938 |
| Average earning assets | $25,185,500 | 5,928 |
| Average equity | $3,291,000 | 5,908 |
| Average total loans | $19,541,500 | 5,697 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 618 |
| Cost of funding earning assets | 0.5876% | 1,449 |
| Net interest margin | 4.4228% | 756 |
| Noninterest income to average assets | 0.3457% | 4,441 |
| Noninterest expense to average assets | 3.3605% | 1,577 |
| Loan and lease loss provision to assets | 0.1005% | 2,306 |
| Net operating income to assets | 0.7879% | 3,388 |
| Return on assets (ROA) | 0.7879% | 3,468 |
| Pretax return on assets | 0.7879% | 4,226 |
| Return on Equity (ROE) | 6.1678% | 3,961 |
| Retained earnings to average equity (ytd only) | 6.1678% | 1,718 |
| Net charge-offs to loans | -0.0106% | 5,120 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0918% | 1,805 |
| Assets per employee ($millions) | 5.2740% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 3,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 3,882 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 72.7645% | 1,929 |
| Net loans and leases to deposits | 84.9854% | 2,240 |
| Net loans and leases to core deposits | 99.9219% | 1,501 |
| Total domestic deposits to total assets | 85.6200% | 2,805 |
| Equity capital to assets | 12.3891% | 1,676 |
| Core capital (leverage) ratio | 10.4483% | 2,989 |
| Tier 1 risk-based capital ratio | 13.6440% | 3,922 |
| Total risk-based capital ratio | 14.8848% | 3,856 |
| Memoranda: | ||
| Average total assets | $24,877,600 | 6,028 |
| Average earning assets | $21,954,600 | 6,029 |
| Average equity | $3,177,800 | 5,974 |
| Average total loans | $18,955,600 | 5,761 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 553 |
| Cost of funding earning assets | 0.5681% | 1,645 |
| Net interest margin | 4.4954% | 660 |
| Noninterest income to average assets | 0.3210% | 4,645 |
| Noninterest expense to average assets | 3.3735% | 1,524 |
| Loan and lease loss provision to assets | 0.0544% | 3,107 |
| Net operating income to assets | 0.8543% | 3,156 |
| Return on assets (ROA) | 0.8543% | 3,246 |
| Pretax return on assets | 0.8543% | 4,159 |
| Return on Equity (ROE) | 6.6338% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.6338% | 1,874 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7802% | 1,844 |
| Assets per employee ($millions) | 5.1040% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 4,095 |
| Loan loss allowance to noncurrent loans | 230.3030% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5839% | 3,534 |
| Noncurrent loans to loans | 0.4877% | 3,892 |
| Net loans and leases to total assets | 78.6481% | 1,002 |
| Net loans and leases to deposits | 94.4473% | 1,146 |
| Net loans and leases to core deposits | 110.7304% | 838 |
| Total domestic deposits to total assets | 83.2719% | 3,713 |
| Equity capital to assets | 12.6646% | 1,644 |
| Core capital (leverage) ratio | 10.5165% | 3,028 |
| Tier 1 risk-based capital ratio | 13.1074% | 4,372 |
| Total risk-based capital ratio | 14.2322% | 4,363 |
| Memoranda: | ||
| Average total assets | $24,504,500 | 6,123 |
| Average earning assets | $21,591,750 | 6,117 |
| Average equity | $3,155,500 | 6,059 |
| Average total loans | $18,836,250 | 5,839 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 573 |
| Cost of funding earning assets | 0.5087% | 2,174 |
| Net interest margin | 4.5128% | 624 |
| Noninterest income to average assets | 0.4055% | 4,046 |
| Noninterest expense to average assets | 3.4429% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9269% | 2,747 |
| Return on assets (ROA) | 0.9269% | 2,867 |
| Pretax return on assets | 0.9269% | 3,855 |
| Return on Equity (ROE) | 7.1565% | 3,521 |
| Retained earnings to average equity (ytd only) | 7.1565% | 1,638 |
| Net charge-offs to loans | 0.0109% | 3,528 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 560 |
| Efficiency ratio | 78.7879% | 1,946 |
| Assets per employee ($millions) | 5.0594% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 4,322 |
| Loan loss allowance to noncurrent loans | 195.4955% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6364% | 3,514 |
| Noncurrent loans to loans | 0.5628% | 3,768 |
| Net loans and leases to total assets | 77.1080% | 1,201 |
| Net loans and leases to deposits | 92.5596% | 1,310 |
| Net loans and leases to core deposits | 102.7118% | 1,280 |
| Total domestic deposits to total assets | 83.3063% | 3,828 |
| Equity capital to assets | 12.5707% | 1,619 |
| Core capital (leverage) ratio | 10.6958% | 2,736 |
| Tier 1 risk-based capital ratio | 13.0285% | 4,504 |
| Total risk-based capital ratio | 14.1154% | 4,507 |
| Memoranda: | ||
| Average total assets | $24,166,000 | 6,198 |
| Average earning assets | $21,228,670 | 6,192 |
| Average equity | $3,130,000 | 6,125 |
| Average total loans | $18,348,670 | 5,913 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9895% | 579 |
| Cost of funding earning assets | 0.4448% | 2,826 |
| Net interest margin | 4.5447% | 558 |
| Noninterest income to average assets | 0.6780% | 2,260 |
| Noninterest expense to average assets | 3.5253% | 1,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1356% | 1,740 |
| Return on assets (ROA) | 1.1356% | 1,849 |
| Pretax return on assets | 1.1356% | 2,924 |
| Return on Equity (ROE) | 8.6312% | 2,632 |
| Retained earnings to average equity (ytd only) | 8.6312% | 1,330 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6364% | 2,563 |
| Assets per employee ($millions) | 4.0243% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 3,942 |
| Loan loss allowance to noncurrent loans | 220.2020% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.6171% | 3,637 |
| Noncurrent loans to loans | 0.5480% | 3,938 |
| Net loans and leases to total assets | 73.9170% | 1,515 |
| Net loans and leases to deposits | 85.0715% | 1,944 |
| Net loans and leases to core deposits | 92.0332% | 1,943 |
| Total domestic deposits to total assets | 86.8881% | 2,433 |
| Equity capital to assets | 13.0166% | 1,393 |
| Core capital (leverage) ratio | 10.8638% | 2,558 |
| Tier 1 risk-based capital ratio | 14.1289% | 3,930 |
| Total risk-based capital ratio | 15.3377% | 3,879 |
| Memoranda: | ||
| Average total assets | $23,600,500 | 6,273 |
| Average earning assets | $20,683,500 | 6,272 |
| Average equity | $3,105,000 | 6,190 |
| Average total loans | $17,661,500 | 5,990 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6813% | 1,354 |
| Cost of funding earning assets | 0.4461% | 3,209 |
| Net interest margin | 4.2353% | 1,200 |
| Noninterest income to average assets | 0.1781% | 5,787 |
| Noninterest expense to average assets | 3.8124% | 973 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1103% | 5,940 |
| Return on assets (ROA) | 0.1696% | 5,876 |
| Pretax return on assets | 0.1696% | 5,914 |
| Return on Equity (ROE) | 1.3227% | 5,928 |
| Retained earnings to average equity (ytd only) | 1.3227% | 5,182 |
| Net charge-offs to loans | -0.0622% | 6,000 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1892% | 459 |
| Assets per employee ($millions) | 3.8425% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 3,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 4,988 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 73.9059% | 1,596 |
| Net loans and leases to deposits | 85.3486% | 2,056 |
| Net loans and leases to core deposits | 91.4993% | 2,146 |
| Total domestic deposits to total assets | 86.5929% | 2,517 |
| Equity capital to assets | 13.3030% | 1,227 |
| Core capital (leverage) ratio | 10.8890% | 2,507 |
| Tier 1 risk-based capital ratio | 13.9530% | 4,123 |
| Total risk-based capital ratio | 15.1854% | 4,075 |
| Memoranda: | ||
| Average total assets | $23,581,000 | 6,362 |
| Average earning assets | $20,848,800 | 6,358 |
| Average equity | $3,024,200 | 6,268 |
| Average total loans | $16,085,600 | 6,123 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5801% | 1,614 |
| Cost of funding earning assets | 0.4440% | 3,321 |
| Net interest margin | 4.1360% | 1,471 |
| Noninterest income to average assets | 0.1743% | 5,878 |
| Noninterest expense to average assets | 3.8123% | 959 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0281% | 6,113 |
| Return on assets (ROA) | 0.1068% | 6,046 |
| Pretax return on assets | 0.1068% | 6,050 |
| Return on Equity (ROE) | 0.8406% | 6,054 |
| Retained earnings to average equity (ytd only) | 0.8406% | 5,546 |
| Net charge-offs to loans | -0.0676% | 6,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2679% | 392 |
| Assets per employee ($millions) | 3.7930% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 4,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 5,197 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 76.4171% | 1,169 |
| Net loans and leases to deposits | 88.3914% | 1,622 |
| Net loans and leases to core deposits | 91.5268% | 2,074 |
| Total domestic deposits to total assets | 86.4531% | 2,612 |
| Equity capital to assets | 13.3404% | 1,260 |
| Core capital (leverage) ratio | 10.7867% | 2,708 |
| Tier 1 risk-based capital ratio | 14.1066% | 4,136 |
| Total risk-based capital ratio | 15.3544% | 4,078 |
| Memoranda: | ||
| Average total assets | $23,712,500 | 6,436 |
| Average earning assets | $21,018,000 | 6,427 |
| Average equity | $3,013,500 | 6,342 |
| Average total loans | $15,792,750 | 6,201 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4346% | 2,055 |
| Cost of funding earning assets | 0.4510% | 3,320 |
| Net interest margin | 3.9836% | 1,864 |
| Noninterest income to average assets | 0.1748% | 5,904 |
| Noninterest expense to average assets | 3.7952% | 978 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0915% | 6,252 |
| Return on assets (ROA) | -0.0083% | 6,215 |
| Pretax return on assets | -0.0083% | 6,204 |
| Return on Equity (ROE) | -0.0665% | 6,213 |
| Retained earnings to average equity (ytd only) | -0.0665% | 5,696 |
| Net charge-offs to loans | -0.0658% | 5,990 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4719% | 346 |
| Assets per employee ($millions) | 3.3409% | 5,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 3,633 |
| Loan loss allowance to noncurrent loans | 210.8911% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 3,926 |
| Noncurrent loans to loans | 0.6362% | 4,120 |
| Net loans and leases to total assets | 66.9760% | 2,586 |
| Net loans and leases to deposits | 76.9908% | 2,933 |
| Net loans and leases to core deposits | 80.4055% | 3,165 |
| Total domestic deposits to total assets | 86.9922% | 2,459 |
| Equity capital to assets | 12.8881% | 1,432 |
| Core capital (leverage) ratio | 10.0407% | 3,555 |
| Tier 1 risk-based capital ratio | 15.1403% | 3,558 |
| Total risk-based capital ratio | 16.3931% | 3,508 |
| Memoranda: | ||
| Average total assets | $24,030,670 | 6,496 |
| Average earning assets | $21,287,330 | 6,489 |
| Average equity | $3,006,000 | 6,394 |
| Average total loans | $15,188,000 | 6,281 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 2,188 |
| Cost of funding earning assets | 0.4647% | 3,269 |
| Net interest margin | 3.9218% | 2,007 |
| Noninterest income to average assets | 0.1971% | 5,786 |
| Noninterest expense to average assets | 3.7778% | 1,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1150% | 6,296 |
| Return on assets (ROA) | -0.1150% | 6,306 |
| Pretax return on assets | -0.1150% | 6,292 |
| Return on Equity (ROE) | -0.9327% | 6,294 |
| Retained earnings to average equity (ytd only) | -0.9327% | 5,717 |
| Net charge-offs to loans | -0.0539% | 5,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1390% | 396 |
| Assets per employee ($millions) | 3.5884% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 3,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 5,480 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 59.8193% | 3,590 |
| Net loans and leases to deposits | 68.0125% | 3,854 |
| Net loans and leases to core deposits | 71.0315% | 3,982 |
| Total domestic deposits to total assets | 87.9533% | 2,256 |
| Equity capital to assets | 11.9551% | 1,901 |
| Core capital (leverage) ratio | 10.1953% | 3,300 |
| Tier 1 risk-based capital ratio | 15.2173% | 3,602 |
| Total risk-based capital ratio | 16.4695% | 3,554 |
| Memoranda: | ||
| Average total assets | $24,353,000 | 6,560 |
| Average earning assets | $21,520,500 | 6,552 |
| Average equity | $3,002,000 | 6,446 |
| Average total loans | $14,844,000 | 6,354 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 3,046 |
| Cost of funding earning assets | 0.6366% | 2,329 |
| Net interest margin | 3.6402% | 3,282 |
| Noninterest income to average assets | 0.2361% | 5,660 |
| Noninterest expense to average assets | 3.6991% | 1,285 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.2651% | 6,396 |
| Return on assets (ROA) | -0.2320% | 6,394 |
| Pretax return on assets | -0.2320% | 6,380 |
| Return on Equity (ROE) | -1.8388% | 6,371 |
| Retained earnings to average equity (ytd only) | -1.8388% | 6,159 |
| Net charge-offs to loans | 0.3678% | 1,841 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -1.1636% | 5,273 |
| Efficiency ratio | 107.7201% | 309 |
| Assets per employee ($millions) | 3.3696% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 3,469 |
| Loan loss allowance to noncurrent loans | 742.8571% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 5,129 |
| Noncurrent loans to loans | 0.1937% | 5,614 |
| Net loans and leases to total assets | 60.3892% | 3,641 |
| Net loans and leases to deposits | 69.3105% | 3,870 |
| Net loans and leases to core deposits | 72.6327% | 3,996 |
| Total domestic deposits to total assets | 87.1285% | 2,659 |
| Equity capital to assets | 12.7231% | 1,410 |
| Core capital (leverage) ratio | 10.2742% | 3,184 |
| Tier 1 risk-based capital ratio | 16.3311% | 2,949 |
| Total risk-based capital ratio | 17.5514% | 2,917 |
| Memoranda: | ||
| Average total assets | $24,141,200 | 6,636 |
| Average earning assets | $21,207,800 | 6,631 |
| Average equity | $3,045,400 | 6,526 |
| Average total loans | $14,952,000 | 6,420 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 2,941 |
| Cost of funding earning assets | 0.6588% | 2,283 |
| Net interest margin | 3.6517% | 3,227 |
| Noninterest income to average assets | 0.2636% | 5,562 |
| Noninterest expense to average assets | 3.6518% | 1,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1922% | 6,463 |
| Return on assets (ROA) | -0.1483% | 6,459 |
| Pretax return on assets | -0.1483% | 6,439 |
| Return on Equity (ROE) | -1.1778% | 6,437 |
| Retained earnings to average equity (ytd only) | -1.1778% | 6,161 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5556% | 335 |
| Assets per employee ($millions) | 3.4657% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 2,842 |
| Loan loss allowance to noncurrent loans | 239.0909% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 4,958 |
| Noncurrent loans to loans | 0.6860% | 4,480 |
| Net loans and leases to total assets | 65.0082% | 2,798 |
| Net loans and leases to deposits | 74.4372% | 3,167 |
| Net loans and leases to core deposits | 79.7643% | 3,152 |
| Total domestic deposits to total assets | 87.3331% | 2,492 |
| Equity capital to assets | 12.4732% | 1,593 |
| Core capital (leverage) ratio | 10.6785% | 2,810 |
| Tier 1 risk-based capital ratio | 15.6012% | 3,408 |
| Total risk-based capital ratio | 16.8516% | 3,370 |
| Memoranda: | ||
| Average total assets | $24,279,750 | 6,712 |
| Average earning assets | $21,249,750 | 6,704 |
| Average equity | $3,056,500 | 6,595 |
| Average total loans | $15,077,000 | 6,474 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 3,526 |
| Cost of funding earning assets | 0.6750% | 2,265 |
| Net interest margin | 3.4780% | 3,884 |
| Noninterest income to average assets | 0.2141% | 5,909 |
| Noninterest expense to average assets | 3.6152% | 1,383 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3459% | 6,579 |
| Return on assets (ROA) | -0.2800% | 6,571 |
| Pretax return on assets | -0.2800% | 6,543 |
| Return on Equity (ROE) | -2.2174% | 6,534 |
| Retained earnings to average equity (ytd only) | -2.2174% | 6,214 |
| Net charge-offs to loans | 0.1491% | 2,909 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -3.8182% | 4,809 |
| Efficiency ratio | 110.5793% | 268 |
| Assets per employee ($millions) | 3.3089% | 5,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8216% | 2,360 |
| Loan loss allowance to noncurrent loans | 229.0909% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 1.0319% | 3,689 |
| Noncurrent loans to loans | 0.7951% | 4,324 |
| Net loans and leases to total assets | 58.6392% | 3,883 |
| Net loans and leases to deposits | 67.5990% | 4,065 |
| Net loans and leases to core deposits | 73.8433% | 3,836 |
| Total domestic deposits to total assets | 86.7455% | 2,976 |
| Equity capital to assets | 13.0127% | 1,337 |
| Core capital (leverage) ratio | 9.9699% | 3,567 |
| Tier 1 risk-based capital ratio | 17.1386% | 2,661 |
| Total risk-based capital ratio | 18.3916% | 2,633 |
| Memoranda: | ||
| Average total assets | $24,286,330 | 6,763 |
| Average earning assets | $21,334,330 | 6,751 |
| Average equity | $3,066,670 | 6,640 |
| Average total loans | $14,758,000 | 6,531 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 2,811 |
| Cost of funding earning assets | 0.6772% | 2,414 |
| Net interest margin | 3.6424% | 3,102 |
| Noninterest income to average assets | 0.1610% | 6,296 |
| Noninterest expense to average assets | 3.5737% | 1,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2093% | 6,523 |
| Return on assets (ROA) | -0.2093% | 6,558 |
| Pretax return on assets | -0.2093% | 6,551 |
| Return on Equity (ROE) | -1.6812% | 6,544 |
| Retained earnings to average equity (ytd only) | -1.6812% | 6,042 |
| Net charge-offs to loans | 0.4731% | 1,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.7222% | 3,946 |
| Efficiency ratio | 106.2201% | 390 |
| Assets per employee ($millions) | 3.7373% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 2,632 |
| Loan loss allowance to noncurrent loans | 2,227.2727% | 236 |
| Noncurrent assets plus other real estate owned to assets | 1.7813% | 2,628 |
| Noncurrent loans to loans | 0.0807% | 6,243 |
| Net loans and leases to total assets | 51.1601% | 4,815 |
| Net loans and leases to deposits | 58.1231% | 5,015 |
| Net loans and leases to core deposits | 63.2544% | 4,821 |
| Total domestic deposits to total assets | 88.0203% | 2,296 |
| Equity capital to assets | 11.8000% | 2,175 |
| Core capital (leverage) ratio | 9.8088% | 3,650 |
| Tier 1 risk-based capital ratio | 16.5839% | 2,960 |
| Total risk-based capital ratio | 17.8360% | 2,922 |
| Memoranda: | ||
| Average total assets | $24,848,500 | 6,820 |
| Average earning assets | $21,854,000 | 6,816 |
| Average equity | $3,093,000 | 6,700 |
| Average total loans | $15,220,000 | 6,572 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9082% | 1,815 |
| Cost of funding earning assets | 1.1554% | 717 |
| Net interest margin | 3.7528% | 3,424 |
| Noninterest income to average assets | 0.2337% | 5,772 |
| Noninterest expense to average assets | 3.6642% | 1,477 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0754% | 6,264 |
| Return on assets (ROA) | 0.0754% | 6,190 |
| Pretax return on assets | 0.0754% | 6,189 |
| Return on Equity (ROE) | 0.6486% | 6,191 |
| Retained earnings to average equity (ytd only) | 0.6486% | 5,537 |
| Net charge-offs to loans | 1.0823% | 980 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.1026% | 5,538 |
| Efficiency ratio | 102.1008% | 488 |
| Assets per employee ($millions) | 3.3623% | 5,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 3,458 |
| Loan loss allowance to noncurrent loans | 1,878.5714% | 288 |
| Noncurrent assets plus other real estate owned to assets | 2.0352% | 2,409 |
| Noncurrent loans to loans | 0.0833% | 6,275 |
| Net loans and leases to total assets | 70.3093% | 1,782 |
| Net loans and leases to deposits | 82.1241% | 1,979 |
| Net loans and leases to core deposits | 88.3408% | 2,048 |
| Total domestic deposits to total assets | 85.6135% | 3,549 |
| Equity capital to assets | 13.1671% | 1,368 |
| Core capital (leverage) ratio | 9.6997% | 3,806 |
| Tier 1 risk-based capital ratio | 15.3263% | 3,525 |
| Total risk-based capital ratio | 16.5737% | 3,486 |
| Memoranda: | ||
| Average total assets | $26,527,200 | 6,830 |
| Average earning assets | $23,715,400 | 6,823 |
| Average equity | $3,083,400 | 6,769 |
| Average total loans | $18,017,600 | 6,507 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 2,036 |
| Cost of funding earning assets | 1.2781% | 485 |
| Net interest margin | 3.6149% | 4,170 |
| Noninterest income to average assets | 0.2395% | 5,836 |
| Noninterest expense to average assets | 3.5392% | 1,673 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0782% | 6,381 |
| Return on assets (ROA) | 0.0342% | 6,365 |
| Pretax return on assets | 0.0342% | 6,360 |
| Return on Equity (ROE) | 0.3030% | 6,368 |
| Retained earnings to average equity (ytd only) | 0.3030% | 5,992 |
| Net charge-offs to loans | 1.0481% | 1,004 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.1111% | 5,381 |
| Efficiency ratio | 102.2599% | 471 |
| Assets per employee ($millions) | 3.7256% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6914% | 3,181 |
| Loan loss allowance to noncurrent loans | 80.9278% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.5261% | 3,290 |
| Noncurrent loans to loans | 2.0900% | 2,752 |
| Net loans and leases to total assets | 69.9835% | 1,905 |
| Net loans and leases to deposits | 79.8102% | 2,415 |
| Net loans and leases to core deposits | 96.9972% | 1,336 |
| Total domestic deposits to total assets | 87.6874% | 2,235 |
| Equity capital to assets | 11.8755% | 2,373 |
| Core capital (leverage) ratio | 9.3415% | 4,514 |
| Tier 1 risk-based capital ratio | 13.9811% | 4,539 |
| Total risk-based capital ratio | 15.2317% | 4,485 |
| Memoranda: | ||
| Average total assets | $27,275,000 | 6,906 |
| Average earning assets | $24,306,000 | 6,893 |
| Average equity | $3,079,500 | 6,857 |
| Average total loans | $18,319,250 | 6,582 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 2,251 |
| Cost of funding earning assets | 1.3120% | 499 |
| Net interest margin | 3.5529% | 4,454 |
| Noninterest income to average assets | 0.2168% | 6,014 |
| Noninterest expense to average assets | 3.5485% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1807% | 6,520 |
| Return on assets (ROA) | -0.1807% | 6,602 |
| Pretax return on assets | -0.1807% | 6,578 |
| Return on Equity (ROE) | -1.6267% | 6,591 |
| Retained earnings to average equity (ytd only) | -1.6267% | 6,308 |
| Net charge-offs to loans | 1.6779% | 549 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.1634% | 5,152 |
| Efficiency ratio | 105.3648% | 407 |
| Assets per employee ($millions) | 3.8586% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 3,516 |
| Loan loss allowance to noncurrent loans | 75.8706% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.5624% | 3,362 |
| Noncurrent loans to loans | 2.1408% | 2,774 |
| Net loans and leases to total assets | 68.3932% | 2,217 |
| Net loans and leases to deposits | 77.6601% | 2,727 |
| Net loans and leases to core deposits | 94.4331% | 1,560 |
| Total domestic deposits to total assets | 88.0674% | 2,098 |
| Equity capital to assets | 11.3773% | 2,711 |
| Core capital (leverage) ratio | 8.7443% | 5,306 |
| Tier 1 risk-based capital ratio | 13.3729% | 4,917 |
| Total risk-based capital ratio | 14.6262% | 4,878 |
| Memoranda: | ||
| Average total assets | $27,673,670 | 6,956 |
| Average earning assets | $24,543,330 | 6,944 |
| Average equity | $3,073,670 | 6,896 |
| Average total loans | $18,237,330 | 6,635 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7770% | 2,727 |
| Cost of funding earning assets | 1.3279% | 564 |
| Net interest margin | 3.4492% | 4,917 |
| Noninterest income to average assets | 0.2999% | 5,480 |
| Noninterest expense to average assets | 3.5850% | 1,589 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2428% | 6,667 |
| Return on assets (ROA) | -0.2428% | 6,718 |
| Pretax return on assets | -0.2428% | 6,693 |
| Return on Equity (ROE) | -2.2121% | 6,704 |
| Retained earnings to average equity (ytd only) | -2.2121% | 6,309 |
| Net charge-offs to loans | -0.3562% | 7,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2650% | 384 |
| Assets per employee ($millions) | 4.0999% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5726% | 1,260 |
| Loan loss allowance to noncurrent loans | 64.3148% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 2.6029% | 2,270 |
| Noncurrent loans to loans | 4.0000% | 1,533 |
| Net loans and leases to total assets | 62.5492% | 3,150 |
| Net loans and leases to deposits | 70.3850% | 3,674 |
| Net loans and leases to core deposits | 84.4554% | 2,490 |
| Total domestic deposits to total assets | 88.8672% | 1,779 |
| Equity capital to assets | 10.6972% | 3,272 |
| Core capital (leverage) ratio | 8.8699% | 5,035 |
| Tier 1 risk-based capital ratio | 13.0815% | 5,147 |
| Total risk-based capital ratio | 14.3334% | 5,107 |
| Memoranda: | ||
| Average total assets | $28,005,500 | 7,002 |
| Average earning assets | $24,701,500 | 6,994 |
| Average equity | $3,074,000 | 6,944 |
| Average total loans | $17,967,000 | 6,707 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 1,459 |
| Cost of funding earning assets | 1.6287% | 425 |
| Net interest margin | 3.7542% | 4,058 |
| Noninterest income to average assets | 0.2448% | 5,789 |
| Noninterest expense to average assets | 3.8407% | 1,274 |
| Loan and lease loss provision to assets | 0.3448% | 2,937 |
| Net operating income to assets | -0.6585% | 6,582 |
| Return on assets (ROA) | -0.6585% | 6,618 |
| Pretax return on assets | -0.6585% | 6,576 |
| Return on Equity (ROE) | -6.0321% | 6,582 |
| Retained earnings to average equity (ytd only) | -6.0321% | 6,509 |
| Net charge-offs to loans | 0.7673% | 2,241 |
| Credit loss provision to net charge-offs | 67.1141% | 4,958 |
| Earnings coverage of net charge-offs (x) | -0.6107% | 6,115 |
| Efficiency ratio | 108.8954% | 454 |
| Assets per employee ($millions) | 3.0347% | 6,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6158% | 1,172 |
| Loan loss allowance to noncurrent loans | 99.3492% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 2.2078% | 2,728 |
| Noncurrent loans to loans | 2.6329% | 2,471 |
| Net loans and leases to total assets | 62.4304% | 3,514 |
| Net loans and leases to deposits | 70.6338% | 3,999 |
| Net loans and leases to core deposits | 86.0119% | 2,634 |
| Total domestic deposits to total assets | 88.3861% | 1,915 |
| Equity capital to assets | 11.2698% | 2,721 |
| Core capital (leverage) ratio | 8.9529% | 4,856 |
| Tier 1 risk-based capital ratio | 14.2039% | 4,174 |
| Total risk-based capital ratio | 15.4555% | 4,130 |
| Memoranda: | ||
| Average total assets | $29,005,400 | 6,996 |
| Average earning assets | $25,358,400 | 7,003 |
| Average equity | $3,166,400 | 6,975 |
| Average total loans | $19,419,000 | 6,686 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4897% | 1,272 |
| Cost of funding earning assets | 1.6823% | 425 |
| Net interest margin | 3.8073% | 3,836 |
| Noninterest income to average assets | 0.2583% | 5,771 |
| Noninterest expense to average assets | 3.6970% | 1,506 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.1268% | 6,311 |
| Return on assets (ROA) | -0.1268% | 6,394 |
| Pretax return on assets | -0.1268% | 6,356 |
| Return on Equity (ROE) | -1.1708% | 6,396 |
| Retained earnings to average equity (ytd only) | -1.1708% | 6,180 |
| Net charge-offs to loans | 0.8310% | 1,914 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -0.2258% | 5,733 |
| Efficiency ratio | 103.5533% | 564 |
| Assets per employee ($millions) | 3.0772% | 5,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0486% | 2,210 |
| Loan loss allowance to noncurrent loans | 91.8465% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 2.0184% | 3,121 |
| Noncurrent loans to loans | 2.2304% | 3,075 |
| Net loans and leases to total assets | 66.1238% | 2,877 |
| Net loans and leases to deposits | 75.3404% | 3,447 |
| Net loans and leases to core deposits | 94.2269% | 1,774 |
| Total domestic deposits to total assets | 87.7667% | 2,181 |
| Equity capital to assets | 11.7277% | 2,469 |
| Core capital (leverage) ratio | 9.2700% | 4,503 |
| Tier 1 risk-based capital ratio | 14.4288% | 4,032 |
| Total risk-based capital ratio | 15.6781% | 3,994 |
| Memoranda: | ||
| Average total assets | $29,428,750 | 7,053 |
| Average earning assets | $25,599,000 | 7,066 |
| Average equity | $3,188,500 | 7,023 |
| Average total loans | $19,896,500 | 6,727 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5483% | 1,189 |
| Cost of funding earning assets | 1.7155% | 441 |
| Net interest margin | 3.8328% | 3,631 |
| Noninterest income to average assets | 0.3066% | 5,445 |
| Noninterest expense to average assets | 3.7458% | 1,456 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.1333% | 6,393 |
| Return on assets (ROA) | -0.1333% | 6,435 |
| Pretax return on assets | -0.1333% | 6,393 |
| Return on Equity (ROE) | -1.2624% | 6,438 |
| Retained earnings to average equity (ytd only) | -1.2624% | 6,108 |
| Net charge-offs to loans | 0.0788% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -2.5000% | 5,733 |
| Efficiency ratio | 103.6900% | 620 |
| Assets per employee ($millions) | 3.2106% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4838% | 1,468 |
| Loan loss allowance to noncurrent loans | 264.0212% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 1.1455% | 4,596 |
| Noncurrent loans to loans | 0.9408% | 5,093 |
| Net loans and leases to total assets | 67.8007% | 2,661 |
| Net loans and leases to deposits | 76.9512% | 3,299 |
| Net loans and leases to core deposits | 97.4095% | 1,544 |
| Total domestic deposits to total assets | 88.1087% | 2,070 |
| Equity capital to assets | 11.2130% | 2,752 |
| Core capital (leverage) ratio | 8.6422% | 5,323 |
| Tier 1 risk-based capital ratio | 13.8614% | 4,258 |
| Total risk-based capital ratio | 15.1142% | 4,227 |
| Memoranda: | ||
| Average total assets | $30,006,670 | 7,107 |
| Average earning assets | $25,882,000 | 7,127 |
| Average equity | $3,168,670 | 7,083 |
| Average total loans | $20,296,670 | 6,766 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5480% | 1,180 |
| Cost of funding earning assets | 1.7454% | 459 |
| Net interest margin | 3.8025% | 3,602 |
| Noninterest income to average assets | 0.3534% | 5,071 |
| Noninterest expense to average assets | 3.6254% | 1,714 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0785% | 6,437 |
| Return on assets (ROA) | -0.0785% | 6,456 |
| Pretax return on assets | -0.0785% | 6,434 |
| Return on Equity (ROE) | -0.7660% | 6,457 |
| Retained earnings to average equity (ytd only) | -0.7660% | 5,936 |
| Net charge-offs to loans | 0.1569% | 3,547 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.7500% | 4,857 |
| Efficiency ratio | 102.2140% | 664 |
| Assets per employee ($millions) | 3.4507% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5573% | 1,374 |
| Loan loss allowance to noncurrent loans | 542.3913% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 6,456 |
| Noncurrent loans to loans | 0.4715% | 6,076 |
| Net loans and leases to total assets | 61.2249% | 4,030 |
| Net loans and leases to deposits | 68.6897% | 4,578 |
| Net loans and leases to core deposits | 85.4370% | 2,965 |
| Total domestic deposits to total assets | 89.1325% | 1,687 |
| Equity capital to assets | 10.3458% | 3,355 |
| Core capital (leverage) ratio | 8.3274% | 5,758 |
| Tier 1 risk-based capital ratio | 13.8816% | 4,151 |
| Total risk-based capital ratio | 15.1479% | 4,118 |
| Memoranda: | ||
| Average total assets | $30,562,500 | 7,139 |
| Average earning assets | $25,667,000 | 7,182 |
| Average equity | $3,133,000 | 7,133 |
| Average total loans | $20,400,000 | 6,815 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5112% | 313 |
| Cost of funding earning assets | 2.2369% | 269 |
| Net interest margin | 4.2743% | 1,904 |
| Noninterest income to average assets | 0.2807% | 5,768 |
| Noninterest expense to average assets | 3.5649% | 2,022 |
| Loan and lease loss provision to assets | 0.6037% | 2,719 |
| Net operating income to assets | -0.5252% | 6,401 |
| Return on assets (ROA) | -0.5252% | 6,435 |
| Pretax return on assets | -0.5252% | 6,338 |
| Return on Equity (ROE) | -5.3614% | 6,462 |
| Retained earnings to average equity (ytd only) | -5.3614% | 6,335 |
| Net charge-offs to loans | 0.8793% | 2,434 |
| Credit loss provision to net charge-offs | 93.8967% | 4,950 |
| Earnings coverage of net charge-offs (x) | 0.1221% | 6,000 |
| Efficiency ratio | 97.8459% | 878 |
| Assets per employee ($millions) | 3.7586% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3817% | 1,574 |
| Loan loss allowance to noncurrent loans | 82.9787% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 2.0320% | 3,310 |
| Noncurrent loans to loans | 2.8703% | 2,653 |
| Net loans and leases to total assets | 69.1077% | 2,738 |
| Net loans and leases to deposits | 77.2491% | 3,625 |
| Net loans and leases to core deposits | 102.5869% | 1,408 |
| Total domestic deposits to total assets | 89.4609% | 1,408 |
| Equity capital to assets | 10.1533% | 3,557 |
| Core capital (leverage) ratio | 7.7705% | 6,473 |
| Tier 1 risk-based capital ratio | 11.9198% | 5,549 |
| Total risk-based capital ratio | 13.1679% | 5,527 |
| Memoranda: | ||
| Average total assets | $33,128,400 | 7,110 |
| Average earning assets | $26,062,800 | 7,227 |
| Average equity | $3,245,400 | 7,207 |
| Average total loans | $24,223,400 | 6,719 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5406% | 315 |
| Cost of funding earning assets | 2.2797% | 294 |
| Net interest margin | 4.2608% | 1,989 |
| Noninterest income to average assets | 0.1849% | 6,556 |
| Noninterest expense to average assets | 3.1864% | 2,973 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3659% | 4,907 |
| Return on assets (ROA) | 0.3659% | 5,085 |
| Pretax return on assets | 0.3659% | 5,325 |
| Return on Equity (ROE) | 3.7650% | 4,885 |
| Retained earnings to average equity (ytd only) | 3.7650% | 3,809 |
| Net charge-offs to loans | 0.5342% | 3,167 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 0.9300% | 5,135 |
| Efficiency ratio | 89.7010% | 1,316 |
| Assets per employee ($millions) | 3.4962% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7526% | 2,970 |
| Loan loss allowance to noncurrent loans | 43.7045% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 3.0541% | 2,372 |
| Noncurrent loans to loans | 4.0100% | 1,872 |
| Net loans and leases to total assets | 74.8268% | 1,614 |
| Net loans and leases to deposits | 84.1133% | 2,685 |
| Net loans and leases to core deposits | 122.9376% | 527 |
| Total domestic deposits to total assets | 88.9595% | 1,409 |
| Equity capital to assets | 10.5860% | 3,427 |
| Core capital (leverage) ratio | 8.2291% | 5,994 |
| Tier 1 risk-based capital ratio | 11.6884% | 5,739 |
| Total risk-based capital ratio | 12.9418% | 5,714 |
| Memoranda: | ||
| Average total assets | $33,893,250 | 7,164 |
| Average earning assets | $26,786,000 | 7,286 |
| Average equity | $3,293,500 | 7,280 |
| Average total loans | $24,957,500 | 6,759 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5316% | 323 |
| Cost of funding earning assets | 2.3127% | 326 |
| Net interest margin | 4.2190% | 2,094 |
| Noninterest income to average assets | 0.1671% | 6,710 |
| Noninterest expense to average assets | 2.6569% | 5,089 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8011% | 2,968 |
| Return on assets (ROA) | 0.8011% | 3,107 |
| Pretax return on assets | 0.8011% | 3,876 |
| Return on Equity (ROE) | 8.4730% | 2,680 |
| Retained earnings to average equity (ytd only) | 8.4730% | 1,274 |
| Net charge-offs to loans | -0.0316% | 7,361 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8333% | 2,931 |
| Assets per employee ($millions) | 3.7862% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0922% | 1,974 |
| Loan loss allowance to noncurrent loans | 70.3356% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 2.1863% | 3,276 |
| Noncurrent loans to loans | 2.9745% | 2,698 |
| Net loans and leases to total assets | 71.9627% | 2,411 |
| Net loans and leases to deposits | 80.5823% | 3,505 |
| Net loans and leases to core deposits | 151.9331% | 205 |
| Total domestic deposits to total assets | 89.3033% | 1,280 |
| Equity capital to assets | 9.9073% | 4,130 |
| Core capital (leverage) ratio | 7.7365% | 6,573 |
| Tier 1 risk-based capital ratio | 11.4038% | 5,861 |
| Total risk-based capital ratio | 12.6675% | 5,824 |
| Memoranda: | ||
| Average total assets | $34,702,330 | 7,186 |
| Average earning assets | $27,068,330 | 7,333 |
| Average equity | $3,281,000 | 7,330 |
| Average total loans | $25,288,330 | 6,782 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3331% | 499 |
| Cost of funding earning assets | 2.3418% | 372 |
| Net interest margin | 3.9913% | 2,904 |
| Noninterest income to average assets | 0.1828% | 6,646 |
| Noninterest expense to average assets | 2.6388% | 5,191 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6397% | 3,712 |
| Return on assets (ROA) | 0.6397% | 3,833 |
| Pretax return on assets | 0.6397% | 4,452 |
| Return on Equity (ROE) | 6.9275% | 3,381 |
| Retained earnings to average equity (ytd only) | 6.9275% | 2,165 |
| Net charge-offs to loans | 0.0315% | 5,131 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 914 |
| Efficiency ratio | 80.4878% | 2,492 |
| Assets per employee ($millions) | 3.9683% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0810% | 1,994 |
| Loan loss allowance to noncurrent loans | 97.3684% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 1.4896% | 4,274 |
| Noncurrent loans to loans | 2.1372% | 3,604 |
| Net loans and leases to total assets | 68.2458% | 3,327 |
| Net loans and leases to deposits | 75.4917% | 4,500 |
| Net loans and leases to core deposits | 136.3886% | 379 |
| Total domestic deposits to total assets | 90.4018% | 782 |
| Equity capital to assets | 9.1334% | 5,088 |
| Core capital (leverage) ratio | 7.4941% | 6,858 |
| Tier 1 risk-based capital ratio | 11.0448% | 6,116 |
| Total risk-based capital ratio | 12.3061% | 6,077 |
| Memoranda: | ||
| Average total assets | $35,015,500 | 7,269 |
| Average earning assets | $27,159,000 | 7,421 |
| Average equity | $3,233,500 | 7,424 |
| Average total loans | $25,409,500 | 6,853 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3644% | 901 |
| Cost of funding earning assets | 2.7974% | 450 |
| Net interest margin | 3.5670% | 4,668 |
| Noninterest income to average assets | 0.1541% | 6,961 |
| Noninterest expense to average assets | 3.0142% | 4,095 |
| Loan and lease loss provision to assets | 0.3616% | 4,632 |
| Net operating income to assets | -0.1719% | 5,800 |
| Return on assets (ROA) | -0.1897% | 5,826 |
| Pretax return on assets | -0.1897% | 5,694 |
| Return on Equity (ROE) | -2.1533% | 5,881 |
| Retained earnings to average equity (ytd only) | -2.1533% | 5,549 |
| Net charge-offs to loans | 0.2179% | 5,260 |
| Credit loss provision to net charge-offs | 214.0351% | 1,793 |
| Earnings coverage of net charge-offs (x) | 1.1228% | 4,993 |
| Efficiency ratio | 92.3219% | 1,539 |
| Assets per employee ($millions) | 3.8129% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0056% | 2,010 |
| Loan loss allowance to noncurrent loans | 117.1171% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 1.2939% | 4,498 |
| Noncurrent loans to loans | 1.7125% | 4,069 |
| Net loans and leases to total assets | 74.0383% | 2,268 |
| Net loans and leases to deposits | 82.0481% | 3,606 |
| Net loans and leases to core deposits | 143.9327% | 678 |
| Total domestic deposits to total assets | 90.2378% | 860 |
| Equity capital to assets | 9.3397% | 4,652 |
| Core capital (leverage) ratio | 7.6535% | 6,610 |
| Tier 1 risk-based capital ratio | 10.3230% | 6,564 |
| Total risk-based capital ratio | 11.5833% | 6,529 |
| Memoranda: | ||
| Average total assets | $33,740,800 | 7,338 |
| Average earning assets | $28,848,000 | 7,400 |
| Average equity | $2,972,200 | 7,592 |
| Average total loans | $26,160,800 | 6,845 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2419% | 1,261 |
| Cost of funding earning assets | 2.9519% | 381 |
| Net interest margin | 3.2900% | 5,681 |
| Noninterest income to average assets | 0.0952% | 7,429 |
| Noninterest expense to average assets | 2.5835% | 5,771 |
| Loan and lease loss provision to assets | 0.0992% | 6,373 |
| Net operating income to assets | 0.2698% | 4,904 |
| Return on assets (ROA) | 0.2460% | 5,085 |
| Pretax return on assets | 0.2460% | 5,197 |
| Return on Equity (ROE) | 2.8367% | 4,861 |
| Retained earnings to average equity (ytd only) | 2.8367% | 3,747 |
| Net charge-offs to loans | 0.1068% | 5,601 |
| Credit loss provision to net charge-offs | 119.0476% | 4,257 |
| Earnings coverage of net charge-offs (x) | 4.4286% | 3,136 |
| Efficiency ratio | 85.6183% | 2,107 |
| Assets per employee ($millions) | 3.5939% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 2,616 |
| Loan loss allowance to noncurrent loans | 61.2817% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 2.3157% | 2,961 |
| Noncurrent loans to loans | 2.7796% | 2,732 |
| Net loans and leases to total assets | 81.8890% | 828 |
| Net loans and leases to deposits | 91.1020% | 2,378 |
| Net loans and leases to core deposits | 149.2057% | 597 |
| Total domestic deposits to total assets | 89.8872% | 815 |
| Equity capital to assets | 9.4018% | 4,881 |
| Core capital (leverage) ratio | 7.1662% | 7,293 |
| Tier 1 risk-based capital ratio | 9.0512% | 7,601 |
| Total risk-based capital ratio | 10.3034% | 7,606 |
| Memoranda: | ||
| Average total assets | $33,597,000 | 7,397 |
| Average earning assets | $29,178,500 | 7,454 |
| Average equity | $2,914,000 | 7,687 |
| Average total loans | $26,219,250 | 6,904 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0774% | 278 |
| Cost of funding earning assets | 3.1516% | 301 |
| Net interest margin | 3.9258% | 2,994 |
| Noninterest income to average assets | 0.1000% | 7,478 |
| Noninterest expense to average assets | 2.3931% | 6,485 |
| Loan and lease loss provision to assets | 0.5409% | 2,866 |
| Net operating income to assets | 0.5351% | 3,960 |
| Return on assets (ROA) | 0.4469% | 4,407 |
| Pretax return on assets | 0.4469% | 4,801 |
| Return on Equity (ROE) | 5.2931% | 3,957 |
| Retained earnings to average equity (ytd only) | 5.2931% | 2,350 |
| Net charge-offs to loans | 0.4773% | 2,924 |
| Credit loss provision to net charge-offs | 148.3871% | 3,113 |
| Earnings coverage of net charge-offs (x) | 2.9516% | 3,626 |
| Efficiency ratio | 67.2881% | 5,295 |
| Assets per employee ($millions) | 3.7334% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8667% | 1,873 |
| Loan loss allowance to noncurrent loans | 113.3178% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 1.2738% | 4,391 |
| Noncurrent loans to loans | 1.6474% | 4,026 |
| Net loans and leases to total assets | 75.8787% | 2,210 |
| Net loans and leases to deposits | 84.2815% | 3,827 |
| Net loans and leases to core deposits | 122.0488% | 2,200 |
| Total domestic deposits to total assets | 90.0301% | 818 |
| Equity capital to assets | 9.0801% | 5,199 |
| Core capital (leverage) ratio | 7.0920% | 7,461 |
| Tier 1 risk-based capital ratio | 9.4449% | 7,440 |
| Total risk-based capital ratio | 10.7016% | 7,386 |
| Memoranda: | ||
| Average total assets | $34,014,330 | 7,450 |
| Average earning assets | $29,191,670 | 7,523 |
| Average equity | $2,871,670 | 7,767 |
| Average total loans | $25,977,000 | 6,968 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0905% | 1,975 |
| Cost of funding earning assets | 2.8629% | 845 |
| Net interest margin | 3.2275% | 5,769 |
| Noninterest income to average assets | 0.0935% | 7,584 |
| Noninterest expense to average assets | 2.6767% | 5,114 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2104% | 5,629 |
| Return on assets (ROA) | 0.2104% | 5,791 |
| Pretax return on assets | 0.2104% | 5,911 |
| Return on Equity (ROE) | 2.5881% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.5881% | 4,439 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6883% | 1,674 |
| Assets per employee ($millions) | 4.3769% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7905% | 1,877 |
| Loan loss allowance to noncurrent loans | 158.5366% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 5,131 |
| Noncurrent loans to loans | 1.1294% | 4,726 |
| Net loans and leases to total assets | 71.2752% | 3,412 |
| Net loans and leases to deposits | 78.5157% | 4,849 |
| Net loans and leases to core deposits | 105.8487% | 3,938 |
| Total domestic deposits to total assets | 90.7782% | 487 |
| Equity capital to assets | 8.5363% | 6,017 |
| Core capital (leverage) ratio | 6.8133% | 7,760 |
| Tier 1 risk-based capital ratio | 9.2471% | 7,630 |
| Total risk-based capital ratio | 10.5053% | 7,605 |
| Memoranda: | ||
| Average total assets | $34,221,000 | 7,484 |
| Average earning assets | $29,620,000 | 7,539 |
| Average equity | $2,782,000 | 7,841 |
| Average total loans | $25,975,000 | 7,003 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6342% | 2,317 |
| Cost of funding earning assets | 3.0610% | 1,636 |
| Net interest margin | 3.5732% | 4,998 |
| Noninterest income to average assets | 0.2135% | 6,910 |
| Noninterest expense to average assets | 3.5191% | 2,344 |
| Loan and lease loss provision to assets | 1.7649% | 718 |
| Net operating income to assets | -1.8930% | 7,583 |
| Return on assets (ROA) | -2.5548% | 7,693 |
| Pretax return on assets | -2.5548% | 7,605 |
| Return on Equity (ROE) | -28.1790% | 7,929 |
| Retained earnings to average equity (ytd only) | -28.1790% | 7,878 |
| Net charge-offs to loans | 0.9124% | 1,358 |
| Credit loss provision to net charge-offs | 255.6701% | 1,822 |
| Earnings coverage of net charge-offs (x) | -0.1856% | 6,368 |
| Efficiency ratio | 100.8395% | 949 |
| Assets per employee ($millions) | 4.1784% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7145% | 1,867 |
| Loan loss allowance to noncurrent loans | 450.4950% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 6,393 |
| Noncurrent loans to loans | 0.3806% | 6,210 |
| Net loans and leases to total assets | 78.0297% | 2,128 |
| Net loans and leases to deposits | 85.0246% | 4,249 |
| Net loans and leases to core deposits | 112.6404% | 3,491 |
| Total domestic deposits to total assets | 91.7731% | 163 |
| Equity capital to assets | 7.7034% | 7,199 |
| Core capital (leverage) ratio | 6.0661% | 8,059 |
| Tier 1 risk-based capital ratio | 7.2579% | 8,156 |
| Total risk-based capital ratio | 8.5167% | 8,170 |
| Memoranda: | ||
| Average total assets | $28,103,600 | 7,724 |
| Average earning assets | $24,991,600 | 7,741 |
| Average equity | $2,548,000 | 7,967 |
| Average total loans | $21,263,000 | 7,242 |