| 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 | 5.5528% | 1,097 |
| Cost of funding earning assets | 1.2018% | 2,797 |
| Net interest margin | 4.3510% | 747 |
| Noninterest income to average assets | 6.0500% | 114 |
| Noninterest expense to average assets | 8.2746% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3146% | 1,408 |
| Return on assets (ROA) | 1.3146% | 1,371 |
| Pretax return on assets | 1.7933% | 897 |
| Return on Equity (ROE) | 9.8800% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.8783% | 1,049 |
| Net charge-offs to loans | 0.0895% | 978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 57.4444% | 1,213 |
| Efficiency ratio | 82.1878% | 766 |
| Assets per employee ($millions) | 3.2312% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7937% | 3,977 |
| Loan loss allowance to noncurrent loans | 87.8307% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 1,661 |
| Noncurrent loans to loans | 0.9037% | 831 |
| Net loans and leases to total assets | 29.1900% | 4,313 |
| Net loans and leases to deposits | 33.6545% | 4,311 |
| Net loans and leases to core deposits | 34.1368% | 4,363 |
| Total domestic deposits to total assets | 86.7300% | 1,778 |
| Equity capital to assets | 12.7309% | 930 |
| Core capital (leverage) ratio | 13.1190% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.2497% | 132 |
| Memoranda: |
| Average total assets | $57,658,200 | 4,239 |
| Average earning assets | $53,252,200 | 4,215 |
| Average equity | $7,673,400 | 3,973 |
| Average total loans | $20,110,000 | 4,290 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3249% | 1,251 |
| Cost of funding earning assets | 0.9571% | 3,140 |
| Net interest margin | 4.3679% | 731 |
| Noninterest income to average assets | 5.3500% | 121 |
| Noninterest expense to average assets | 6.8186% | 151 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8268% | 634 |
| Return on assets (ROA) | 1.8268% | 625 |
| Pretax return on assets | 2.5659% | 356 |
| Return on Equity (ROE) | 13.5300% | 1,791 |
| Retained earnings to average equity (ytd only) | 13.5345% | 739 |
| Net charge-offs to loans | 0.0201% | 1,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 348.3333% | 406 |
| Efficiency ratio | 72.6583% | 1,493 |
| Assets per employee ($millions) | 3.2827% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8348% | 3,911 |
| Loan loss allowance to noncurrent loans | 27.7607% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.0136% | 509 |
| Noncurrent loans to loans | 3.0070% | 135 |
| Net loans and leases to total assets | 29.7700% | 4,316 |
| Net loans and leases to deposits | 33.5565% | 4,337 |
| Net loans and leases to core deposits | 34.0184% | 4,348 |
| Total domestic deposits to total assets | 88.7300% | 1,339 |
| Equity capital to assets | 11.1273% | 1,295 |
| Core capital (leverage) ratio | 11.4652% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5763% | 187 |
| Memoranda: |
| Average total assets | $54,301,000 | 4,288 |
| Average earning assets | $50,152,750 | 4,268 |
| Average equity | $7,329,250 | 4,008 |
| Average total loans | $19,908,750 | 4,307 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7449% | 2,121 |
| Cost of funding earning assets | 0.7923% | 3,226 |
| Net interest margin | 3.9526% | 1,322 |
| Noninterest income to average assets | 4.7400% | 127 |
| Noninterest expense to average assets | 5.3881% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1230% | 391 |
| Return on assets (ROA) | 2.1230% | 384 |
| Pretax return on assets | 2.9838% | 209 |
| Return on Equity (ROE) | 14.4600% | 1,588 |
| Retained earnings to average equity (ytd only) | 14.4636% | 627 |
| Net charge-offs to loans | 0.0311% | 1,266 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 240.3333% | 523 |
| Efficiency ratio | 64.3599% | 2,441 |
| Assets per employee ($millions) | 4.0746% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8872% | 3,822 |
| Loan loss allowance to noncurrent loans | 57.6433% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 895 |
| Noncurrent loans to loans | 1.5391% | 423 |
| Net loans and leases to total assets | 31.0200% | 4,305 |
| Net loans and leases to deposits | 35.3200% | 4,309 |
| Net loans and leases to core deposits | 35.8644% | 4,330 |
| Total domestic deposits to total assets | 87.8100% | 1,671 |
| Equity capital to assets | 11.9737% | 1,059 |
| Core capital (leverage) ratio | 14.2789% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3436% | 181 |
| Memoranda: |
| Average total assets | $48,328,333 | 4,365 |
| Average earning assets | $44,427,000 | 4,341 |
| Average equity | $7,093,667 | 4,066 |
| Average total loans | $19,317,333 | 4,340 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6005% | 2,084 |
| Cost of funding earning assets | 0.4449% | 3,850 |
| Net interest margin | 4.1556% | 1,009 |
| Noninterest income to average assets | 7.4300% | 106 |
| Noninterest expense to average assets | 5.7850% | 190 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.9102% | 102 |
| Return on assets (ROA) | 3.9102% | 102 |
| Pretax return on assets | 5.4843% | 86 |
| Return on Equity (ROE) | 23.1500% | 497 |
| Retained earnings to average equity (ytd only) | 23.1540% | 235 |
| Net charge-offs to loans | 0.0213% | 1,253 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 547.0000% | 209 |
| Efficiency ratio | 51.3345% | 3,827 |
| Assets per employee ($millions) | 2.2795% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9642% | 3,658 |
| Loan loss allowance to noncurrent loans | 61.2040% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.9729% | 429 |
| Noncurrent loans to loans | 1.5754% | 411 |
| Net loans and leases to total assets | 48.5000% | 3,595 |
| Net loans and leases to deposits | 59.9860% | 3,333 |
| Net loans and leases to core deposits | 61.6950% | 3,461 |
| Total domestic deposits to total assets | 80.8600% | 3,657 |
| Equity capital to assets | 18.5332% | 283 |
| Core capital (leverage) ratio | 16.7999% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.2554% | 135 |
| Memoranda: |
| Average total assets | $39,896,000 | 4,496 |
| Average earning assets | $36,865,500 | 4,480 |
| Average equity | $6,737,500 | 4,152 |
| Average total loans | $18,775,500 | 4,408 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7201% | 2,472 |
| Cost of funding earning assets | 0.2139% | 3,644 |
| Net interest margin | 3.5063% | 1,910 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 5.4419% | 189 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -1.3776% | 4,673 |
| Return on assets (ROA) | -1.3776% | 4,669 |
| Pretax return on assets | -1.9507% | 4,678 |
| Return on Equity (ROE) | -8.7500% | 4,652 |
| Retained earnings to average equity (ytd only) | -8.7549% | 4,620 |
| Net charge-offs to loans | 0.0322% | 1,428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | -123.6667% | 4,720 |
| Efficiency ratio | 155.8735% | 35 |
| Assets per employee ($millions) | 2.2800% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9907% | 3,440 |
| Loan loss allowance to noncurrent loans | 63.4483% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 499 |
| Noncurrent loans to loans | 1.5615% | 412 |
| Net loans and leases to total assets | 44.8100% | 3,857 |
| Net loans and leases to deposits | 53.3403% | 3,716 |
| Net loans and leases to core deposits | 54.7164% | 3,781 |
| Total domestic deposits to total assets | 84.0000% | 3,207 |
| Equity capital to assets | 15.3338% | 446 |
| Core capital (leverage) ratio | 14.4745% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.3278% | 140 |
| Memoranda: |
| Average total assets | $38,038,400 | 4,545 |
| Average earning assets | $35,536,400 | 4,521 |
| Average equity | $5,985,200 | 4,332 |
| Average total loans | $18,632,600 | 4,431 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5233% | 2,535 |
| Cost of funding earning assets | 0.1631% | 3,704 |
| Net interest margin | 3.3602% | 2,103 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 5.2634% | 204 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -1.1442% | 4,709 |
| Return on assets (ROA) | -1.1442% | 4,703 |
| Pretax return on assets | -1.8486% | 4,717 |
| Return on Equity (ROE) | -7.2200% | 4,680 |
| Retained earnings to average equity (ytd only) | -7.2214% | 4,642 |
| Net charge-offs to loans | 0.0143% | 1,593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -258.5000% | 4,759 |
| Efficiency ratio | 154.1361% | 38 |
| Assets per employee ($millions) | 2.1829% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0335% | 3,333 |
| Loan loss allowance to noncurrent loans | 186.1386% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 1,126 |
| Noncurrent loans to loans | 0.5553% | 1,433 |
| Net loans and leases to total assets | 48.5100% | 3,580 |
| Net loans and leases to deposits | 58.2043% | 3,327 |
| Net loans and leases to core deposits | 59.8809% | 3,393 |
| Total domestic deposits to total assets | 83.3400% | 3,637 |
| Equity capital to assets | 16.1574% | 363 |
| Core capital (leverage) ratio | 14.1559% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.8370% | 133 |
| Memoranda: |
| Average total assets | $37,288,000 | 4,589 |
| Average earning assets | $35,156,000 | 4,559 |
| Average equity | $5,908,250 | 4,377 |
| Average total loans | $18,647,750 | 4,465 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2698% | 2,836 |
| Cost of funding earning assets | 0.1589% | 3,465 |
| Net interest margin | 3.1108% | 2,500 |
| Noninterest income to average assets | 0.2624% | 3,597 |
| Noninterest expense to average assets | 4.4983% | 212 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -1.3013% | 4,725 |
| Return on assets (ROA) | -1.3013% | 4,719 |
| Pretax return on assets | -1.3013% | 4,715 |
| Return on Equity (ROE) | -8.2667% | 4,712 |
| Retained earnings to average equity (ytd only) | -8.2667% | 4,631 |
| Net charge-offs to loans | 0.0213% | 1,303 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -121.5000% | 2,150 |
| Efficiency ratio | 140.7035% | 47 |
| Assets per employee ($millions) | 2.5815% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0099% | 3,552 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 1,711 |
| Noncurrent loans to loans | 0.2525% | 2,468 |
| Net loans and leases to total assets | 47.5879% | 3,584 |
| Net loans and leases to deposits | 56.8208% | 3,314 |
| Net loans and leases to core deposits | 61.2905% | 3,178 |
| Total domestic deposits to total assets | 83.7508% | 3,735 |
| Equity capital to assets | 15.6862% | 353 |
| Core capital (leverage) ratio | 14.0796% | 617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.9603% | 84 |
| Memoranda: |
| Average total assets | $37,347,333 | 4,628 |
| Average earning assets | $35,231,667 | 4,615 |
| Average equity | $5,879,000 | 4,430 |
| Average total loans | $18,800,333 | 4,522 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2516% | 2,528 |
| Cost of funding earning assets | 0.1499% | 3,508 |
| Net interest margin | 3.1017% | 2,174 |
| Noninterest income to average assets | 0.2619% | 3,562 |
| Noninterest expense to average assets | 3.9607% | 283 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.7638% | 4,726 |
| Return on assets (ROA) | -0.7638% | 4,721 |
| Pretax return on assets | -0.7638% | 4,714 |
| Return on Equity (ROE) | -4.8430% | 4,703 |
| Retained earnings to average equity (ytd only) | -4.8430% | 4,418 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.8908% | 76 |
| Assets per employee ($millions) | 2.5847% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0052% | 3,706 |
| Loan loss allowance to noncurrent loans | 243.5897% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 2,426 |
| Noncurrent loans to loans | 0.4127% | 2,015 |
| Net loans and leases to total assets | 48.2629% | 3,358 |
| Net loans and leases to deposits | 57.7014% | 3,105 |
| Net loans and leases to core deposits | 62.2406% | 2,952 |
| Total domestic deposits to total assets | 83.6424% | 3,841 |
| Equity capital to assets | 16.1126% | 310 |
| Core capital (leverage) ratio | 16.1113% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.5401% | 88 |
| Memoranda: |
| Average total assets | $36,660,000 | 4,658 |
| Average earning assets | $34,690,500 | 4,644 |
| Average equity | $5,781,500 | 4,489 |
| Average total loans | $18,893,000 | 4,539 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8725% | 1,692 |
| Cost of funding earning assets | 0.1742% | 3,724 |
| Net interest margin | 3.6983% | 1,219 |
| Noninterest income to average assets | 0.3333% | 3,417 |
| Noninterest expense to average assets | 3.7251% | 380 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0525% | 4,658 |
| Return on assets (ROA) | 0.0525% | 4,666 |
| Pretax return on assets | 0.0802% | 4,654 |
| Return on Equity (ROE) | 0.4662% | 4,661 |
| Retained earnings to average equity (ytd only) | 0.4662% | 4,382 |
| Net charge-offs to loans | 0.0051% | 2,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,711 |
| Efficiency ratio | 97.8913% | 171 |
| Assets per employee ($millions) | 3.1408% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0061% | 3,723 |
| Loan loss allowance to noncurrent loans | 243.5897% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 2,427 |
| Noncurrent loans to loans | 0.4130% | 2,117 |
| Net loans and leases to total assets | 54.1087% | 2,839 |
| Net loans and leases to deposits | 64.0754% | 2,680 |
| Net loans and leases to core deposits | 69.7225% | 2,478 |
| Total domestic deposits to total assets | 84.4453% | 3,437 |
| Equity capital to assets | 15.3868% | 448 |
| Core capital (leverage) ratio | 14.4652% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.6602% | 150 |
| Memoranda: |
| Average total assets | $32,401,400 | 4,728 |
| Average earning assets | $30,419,400 | 4,713 |
| Average equity | $3,646,600 | 4,729 |
| Average total loans | $19,690,000 | 4,574 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9855% | 1,570 |
| Cost of funding earning assets | 0.1785% | 3,838 |
| Net interest margin | 3.8070% | 1,101 |
| Noninterest income to average assets | 0.3557% | 3,325 |
| Noninterest expense to average assets | 3.7324% | 359 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1925% | 4,631 |
| Return on assets (ROA) | 0.1925% | 4,653 |
| Pretax return on assets | 0.1925% | 4,671 |
| Return on Equity (ROE) | 1.8993% | 4,605 |
| Retained earnings to average equity (ytd only) | 1.8993% | 4,218 |
| Net charge-offs to loans | 0.0067% | 2,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 1,280 |
| Efficiency ratio | 95.0959% | 210 |
| Assets per employee ($millions) | 3.1477% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9135% | 4,119 |
| Loan loss allowance to noncurrent loans | 243.5897% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 2,654 |
| Noncurrent loans to loans | 0.3750% | 2,435 |
| Net loans and leases to total assets | 59.5235% | 2,319 |
| Net loans and leases to deposits | 70.1020% | 2,235 |
| Net loans and leases to core deposits | 76.2232% | 2,029 |
| Total domestic deposits to total assets | 84.9097% | 3,149 |
| Equity capital to assets | 14.8650% | 559 |
| Core capital (leverage) ratio | 14.2459% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1624% | 298 |
| Memoranda: |
| Average total assets | $31,864,500 | 4,804 |
| Average earning assets | $29,874,000 | 4,787 |
| Average equity | $3,229,250 | 4,829 |
| Average total loans | $19,891,500 | 4,638 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9911% | 1,585 |
| Cost of funding earning assets | 0.1802% | 3,944 |
| Net interest margin | 3.8110% | 1,123 |
| Noninterest income to average assets | 0.4589% | 2,804 |
| Noninterest expense to average assets | 3.9167% | 309 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0969% | 4,713 |
| Return on assets (ROA) | 0.0969% | 4,729 |
| Pretax return on assets | 0.0969% | 4,734 |
| Return on Equity (ROE) | 1.1583% | 4,682 |
| Retained earnings to average equity (ytd only) | 1.1583% | 4,305 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5845% | 191 |
| Assets per employee ($millions) | 2.7541% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9563% | 3,976 |
| Loan loss allowance to noncurrent loans | 243.5897% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 1,414 |
| Noncurrent loans to loans | 0.3926% | 2,497 |
| Net loans and leases to total assets | 64.9546% | 1,833 |
| Net loans and leases to deposits | 71.2945% | 2,268 |
| Net loans and leases to core deposits | 77.9635% | 2,051 |
| Total domestic deposits to total assets | 91.1074% | 341 |
| Equity capital to assets | 8.6384% | 4,096 |
| Core capital (leverage) ratio | 7.2243% | 4,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2496% | 1,276 |
| Memoranda: |
| Average total assets | $30,944,333 | 4,841 |
| Average earning assets | $28,864,000 | 4,823 |
| Average equity | $2,590,000 | 4,889 |
| Average total loans | $19,588,667 | 4,676 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6862% | 2,397 |
| Cost of funding earning assets | 0.1644% | 4,206 |
| Net interest margin | 3.5218% | 1,770 |
| Noninterest income to average assets | 0.6012% | 2,208 |
| Noninterest expense to average assets | 4.4901% | 210 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.6012% | 4,904 |
| Return on assets (ROA) | -0.6012% | 4,905 |
| Pretax return on assets | -0.6012% | 4,898 |
| Return on Equity (ROE) | -7.2967% | 4,919 |
| Retained earnings to average equity (ytd only) | -7.2967% | 4,755 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.4605% | 87 |
| Assets per employee ($millions) | 2.6383% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9529% | 4,010 |
| Loan loss allowance to noncurrent loans | 123.2258% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 879 |
| Noncurrent loans to loans | 0.7733% | 1,694 |
| Net loans and leases to total assets | 62.7089% | 2,202 |
| Net loans and leases to deposits | 68.6148% | 2,634 |
| Net loans and leases to core deposits | 74.0121% | 2,512 |
| Total domestic deposits to total assets | 91.3927% | 261 |
| Equity capital to assets | 8.0641% | 4,453 |
| Core capital (leverage) ratio | 7.0312% | 4,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1814% | 1,511 |
| Memoranda: |
| Average total assets | $31,269,000 | 4,862 |
| Average earning assets | $29,190,000 | 4,847 |
| Average equity | $2,576,500 | 4,913 |
| Average total loans | $19,449,000 | 4,705 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4915% | 1,334 |
| Cost of funding earning assets | 0.2833% | 4,229 |
| Net interest margin | 4.2082% | 624 |
| Noninterest income to average assets | 0.3833% | 3,192 |
| Noninterest expense to average assets | 3.7525% | 488 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5644% | 3,858 |
| Return on assets (ROA) | 0.5644% | 3,962 |
| Pretax return on assets | 0.5644% | 4,154 |
| Return on Equity (ROE) | 6.4521% | 3,427 |
| Retained earnings to average equity (ytd only) | 6.4521% | 1,610 |
| Net charge-offs to loans | 0.0050% | 3,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 162.0000% | 539 |
| Efficiency ratio | 86.9249% | 492 |
| Assets per employee ($millions) | 2.5733% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0130% | 3,819 |
| Loan loss allowance to noncurrent loans | 123.2258% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.9780% | 983 |
| Noncurrent loans to loans | 0.8221% | 1,703 |
| Net loans and leases to total assets | 60.4391% | 2,799 |
| Net loans and leases to deposits | 66.1152% | 3,261 |
| Net loans and leases to core deposits | 71.4565% | 3,133 |
| Total domestic deposits to total assets | 91.4149% | 146 |
| Equity capital to assets | 8.4200% | 4,500 |
| Core capital (leverage) ratio | 7.3956% | 4,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5326% | 1,144 |
| Memoranda: |
| Average total assets | $28,701,200 | 4,887 |
| Average earning assets | $26,828,600 | 4,866 |
| Average equity | $2,510,800 | 4,937 |
| Average total loans | $20,006,000 | 4,716 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5965% | 1,316 |
| Cost of funding earning assets | 0.3139% | 4,255 |
| Net interest margin | 4.2827% | 611 |
| Noninterest income to average assets | 0.1657% | 4,473 |
| Noninterest expense to average assets | 3.7077% | 523 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4641% | 4,131 |
| Return on assets (ROA) | 0.4641% | 4,202 |
| Pretax return on assets | 0.4641% | 4,353 |
| Return on Equity (ROE) | 5.2507% | 3,808 |
| Retained earnings to average equity (ytd only) | 5.2507% | 2,452 |
| Net charge-offs to loans | 0.0066% | 2,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 801 |
| Efficiency ratio | 88.8763% | 393 |
| Assets per employee ($millions) | 3.4233% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9005% | 4,071 |
| Loan loss allowance to noncurrent loans | 102.6882% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.0808% | 982 |
| Noncurrent loans to loans | 0.8769% | 1,703 |
| Net loans and leases to total assets | 68.2214% | 2,206 |
| Net loans and leases to deposits | 74.5196% | 2,912 |
| Net loans and leases to core deposits | 80.5418% | 2,797 |
| Total domestic deposits to total assets | 91.5482% | 96 |
| Equity capital to assets | 8.2311% | 4,618 |
| Core capital (leverage) ratio | 7.1129% | 4,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6942% | 1,595 |
| Memoranda: |
| Average total assets | $28,156,750 | 4,921 |
| Average earning assets | $26,338,000 | 4,902 |
| Average equity | $2,488,500 | 4,966 |
| Average total loans | $20,294,000 | 4,742 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5842% | 1,678 |
| Cost of funding earning assets | 0.3448% | 4,293 |
| Net interest margin | 4.2394% | 842 |
| Noninterest income to average assets | 0.2713% | 3,856 |
| Noninterest expense to average assets | 3.7914% | 506 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4473% | 4,135 |
| Return on assets (ROA) | 0.4473% | 4,197 |
| Pretax return on assets | 0.4473% | 4,337 |
| Return on Equity (ROE) | 4.9339% | 3,846 |
| Retained earnings to average equity (ytd only) | 4.9339% | 2,508 |
| Net charge-offs to loans | 0.0100% | 2,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 953 |
| Efficiency ratio | 89.4464% | 400 |
| Assets per employee ($millions) | 3.2974% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8885% | 4,040 |
| Loan loss allowance to noncurrent loans | 38.5081% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 2.1667% | 309 |
| Noncurrent loans to loans | 2.3072% | 535 |
| Net loans and leases to total assets | 71.7963% | 1,750 |
| Net loans and leases to deposits | 78.8914% | 2,558 |
| Net loans and leases to core deposits | 85.5737% | 2,478 |
| Total domestic deposits to total assets | 91.0065% | 148 |
| Equity capital to assets | 8.4207% | 4,518 |
| Core capital (leverage) ratio | 7.6070% | 4,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2870% | 1,701 |
| Memoranda: |
| Average total assets | $27,272,333 | 4,955 |
| Average earning assets | $25,522,667 | 4,938 |
| Average equity | $2,472,667 | 5,001 |
| Average total loans | $19,988,667 | 4,773 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7101% | 1,681 |
| Cost of funding earning assets | 0.3762% | 4,443 |
| Net interest margin | 4.3340% | 712 |
| Noninterest income to average assets | 0.3069% | 3,677 |
| Noninterest expense to average assets | 3.7131% | 691 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6598% | 3,411 |
| Return on assets (ROA) | 0.6598% | 3,473 |
| Pretax return on assets | 0.6598% | 3,793 |
| Return on Equity (ROE) | 6.9933% | 2,953 |
| Retained earnings to average equity (ytd only) | 6.9933% | 1,539 |
| Net charge-offs to loans | 0.0208% | 1,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 992 |
| Efficiency ratio | 84.9123% | 772 |
| Assets per employee ($millions) | 2.6036% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9908% | 3,760 |
| Loan loss allowance to noncurrent loans | 40.2954% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 2.3852% | 301 |
| Noncurrent loans to loans | 2.4588% | 495 |
| Net loans and leases to total assets | 73.3100% | 1,724 |
| Net loans and leases to deposits | 81.6382% | 2,498 |
| Net loans and leases to core deposits | 89.7325% | 2,374 |
| Total domestic deposits to total assets | 89.7987% | 386 |
| Equity capital to assets | 9.5291% | 4,189 |
| Core capital (leverage) ratio | 8.0763% | 4,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1793% | 1,853 |
| Memoranda: |
| Average total assets | $26,070,000 | 5,010 |
| Average earning assets | $24,458,000 | 4,993 |
| Average equity | $2,459,500 | 5,049 |
| Average total loans | $19,234,000 | 4,820 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8765% | 1,821 |
| Cost of funding earning assets | 0.4150% | 4,395 |
| Net interest margin | 4.4615% | 780 |
| Noninterest income to average assets | 0.3519% | 3,595 |
| Noninterest expense to average assets | 4.1071% | 466 |
| Loan and lease loss provision to assets | 0.0155% | 3,706 |
| Net operating income to assets | 0.3867% | 4,615 |
| Return on assets (ROA) | 0.3867% | 4,646 |
| Pretax return on assets | 0.3867% | 4,732 |
| Return on Equity (ROE) | 4.1922% | 4,417 |
| Retained earnings to average equity (ytd only) | 4.1922% | 2,862 |
| Net charge-offs to loans | 0.0596% | 2,253 |
| Credit loss provision to net charge-offs | 33.3333% | 3,250 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,746 |
| Efficiency ratio | 91.0806% | 315 |
| Assets per employee ($millions) | 2.6104% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0005% | 3,507 |
| Loan loss allowance to noncurrent loans | 40.2516% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 2.3904% | 283 |
| Noncurrent loans to loans | 2.4857% | 436 |
| Net loans and leases to total assets | 72.7781% | 1,954 |
| Net loans and leases to deposits | 80.5854% | 2,715 |
| Net loans and leases to core deposits | 88.5027% | 2,564 |
| Total domestic deposits to total assets | 90.3118% | 236 |
| Equity capital to assets | 9.3396% | 4,468 |
| Core capital (leverage) ratio | 8.0276% | 5,028 |
| Tier 1 risk-based capital ratio | 13.8755% | 3,329 |
| Total risk-based capital ratio | 15.1208% | 3,239 |
| Memoranda: |
| Average total assets | $25,857,800 | 5,066 |
| Average earning assets | $24,095,000 | 5,053 |
| Average equity | $2,385,400 | 5,113 |
| Average total loans | $20,128,800 | 4,860 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8629% | 1,935 |
| Cost of funding earning assets | 0.4168% | 4,441 |
| Net interest margin | 4.4461% | 861 |
| Noninterest income to average assets | 0.3308% | 3,763 |
| Noninterest expense to average assets | 4.0728% | 486 |
| Loan and lease loss provision to assets | 0.0207% | 3,498 |
| Net operating income to assets | 0.3721% | 4,766 |
| Return on assets (ROA) | 0.3721% | 4,789 |
| Pretax return on assets | 0.3721% | 4,836 |
| Return on Equity (ROE) | 4.0468% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.0468% | 3,371 |
| Net charge-offs to loans | 0.0786% | 1,699 |
| Credit loss provision to net charge-offs | 33.3333% | 2,895 |
| Earnings coverage of net charge-offs (x) | 6.3331% | 2,845 |
| Efficiency ratio | 91.2037% | 293 |
| Assets per employee ($millions) | 2.3632% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9830% | 3,669 |
| Loan loss allowance to noncurrent loans | 57.1429% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.8580% | 517 |
| Noncurrent loans to loans | 1.7203% | 850 |
| Net loans and leases to total assets | 74.3989% | 1,731 |
| Net loans and leases to deposits | 82.2839% | 2,651 |
| Net loans and leases to core deposits | 90.3907% | 2,516 |
| Total domestic deposits to total assets | 90.4174% | 189 |
| Equity capital to assets | 9.2710% | 4,617 |
| Core capital (leverage) ratio | 7.9662% | 5,125 |
| Tier 1 risk-based capital ratio | 13.7608% | 3,444 |
| Total risk-based capital ratio | 15.0130% | 3,352 |
| Memoranda: |
| Average total assets | $25,796,250 | 5,144 |
| Average earning assets | $23,990,500 | 5,128 |
| Average equity | $2,372,250 | 5,190 |
| Average total loans | $20,363,500 | 4,928 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9052% | 1,734 |
| Cost of funding earning assets | 0.4345% | 4,374 |
| Net interest margin | 4.4707% | 822 |
| Noninterest income to average assets | 0.3498% | 3,599 |
| Noninterest expense to average assets | 4.1042% | 468 |
| Loan and lease loss provision to assets | 0.0311% | 3,199 |
| Net operating income to assets | 0.3731% | 4,772 |
| Return on assets (ROA) | 0.3731% | 4,792 |
| Pretax return on assets | 0.3731% | 4,860 |
| Return on Equity (ROE) | 4.0684% | 4,565 |
| Retained earnings to average equity (ytd only) | 4.0684% | 3,213 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0345% | 316 |
| Assets per employee ($millions) | 2.2977% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0127% | 3,549 |
| Loan loss allowance to noncurrent loans | 36.2345% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 2.8526% | 227 |
| Noncurrent loans to loans | 2.7947% | 381 |
| Net loans and leases to total assets | 78.8961% | 1,059 |
| Net loans and leases to deposits | 87.4107% | 2,068 |
| Net loans and leases to core deposits | 96.3054% | 2,032 |
| Total domestic deposits to total assets | 90.2591% | 257 |
| Equity capital to assets | 9.4441% | 4,453 |
| Core capital (leverage) ratio | 7.9692% | 5,174 |
| Tier 1 risk-based capital ratio | 13.3450% | 3,661 |
| Total risk-based capital ratio | 14.5935% | 3,559 |
| Memoranda: |
| Average total assets | $25,730,000 | 5,192 |
| Average earning assets | $23,933,670 | 5,178 |
| Average equity | $2,359,670 | 5,232 |
| Average total loans | $20,640,670 | 4,964 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7959% | 1,913 |
| Cost of funding earning assets | 0.3983% | 4,493 |
| Net interest margin | 4.3976% | 913 |
| Noninterest income to average assets | 0.2620% | 4,136 |
| Noninterest expense to average assets | 4.0990% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2466% | 4,964 |
| Return on assets (ROA) | 0.2466% | 4,971 |
| Pretax return on assets | 0.2466% | 5,003 |
| Return on Equity (ROE) | 2.7280% | 4,843 |
| Retained earnings to average equity (ytd only) | 2.7280% | 3,846 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3262% | 264 |
| Assets per employee ($millions) | 2.5566% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9712% | 3,869 |
| Loan loss allowance to noncurrent loans | 35.5872% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 2.8162% | 234 |
| Noncurrent loans to loans | 2.7290% | 438 |
| Net loans and leases to total assets | 79.7700% | 869 |
| Net loans and leases to deposits | 88.1712% | 1,849 |
| Net loans and leases to core deposits | 97.0080% | 1,855 |
| Total domestic deposits to total assets | 90.4717% | 298 |
| Equity capital to assets | 9.2075% | 4,526 |
| Core capital (leverage) ratio | 7.7163% | 5,255 |
| Tier 1 risk-based capital ratio | 12.5618% | 4,125 |
| Total risk-based capital ratio | 13.8148% | 4,003 |
| Memoranda: |
| Average total assets | $25,957,500 | 5,243 |
| Average earning assets | $24,104,000 | 5,227 |
| Average equity | $2,346,000 | 5,288 |
| Average total loans | $20,888,500 | 5,016 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9072% | 1,262 |
| Cost of funding earning assets | 0.3791% | 4,111 |
| Net interest margin | 4.5281% | 725 |
| Noninterest income to average assets | 0.0390% | 5,293 |
| Noninterest expense to average assets | 4.1354% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0935% | 5,184 |
| Return on assets (ROA) | 0.0935% | 5,177 |
| Pretax return on assets | 0.0935% | 5,182 |
| Return on Equity (ROE) | 1.0216% | 5,161 |
| Retained earnings to average equity (ytd only) | 1.0216% | 4,699 |
| Net charge-offs to loans | -0.0098% | 4,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7880% | 179 |
| Assets per employee ($millions) | 2.3954% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9442% | 3,978 |
| Loan loss allowance to noncurrent loans | 49.5050% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 2.1329% | 429 |
| Noncurrent loans to loans | 1.9072% | 720 |
| Net loans and leases to total assets | 79.6349% | 991 |
| Net loans and leases to deposits | 87.6629% | 2,090 |
| Net loans and leases to core deposits | 98.3732% | 1,844 |
| Total domestic deposits to total assets | 90.8422% | 243 |
| Equity capital to assets | 8.8732% | 4,679 |
| Core capital (leverage) ratio | 7.6222% | 5,306 |
| Tier 1 risk-based capital ratio | 11.9477% | 4,459 |
| Total risk-based capital ratio | 13.1801% | 4,360 |
| Memoranda: |
| Average total assets | $25,656,400 | 5,292 |
| Average earning assets | $23,740,800 | 5,274 |
| Average equity | $2,349,200 | 5,331 |
| Average total loans | $20,380,000 | 5,064 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8618% | 1,270 |
| Cost of funding earning assets | 0.3610% | 4,107 |
| Net interest margin | 4.5009% | 737 |
| Noninterest income to average assets | 0.1413% | 5,068 |
| Noninterest expense to average assets | 4.1386% | 434 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1779% | 5,205 |
| Return on assets (ROA) | 0.1779% | 5,198 |
| Pretax return on assets | 0.1779% | 5,212 |
| Return on Equity (ROE) | 1.9273% | 5,141 |
| Retained earnings to average equity (ytd only) | 1.9273% | 4,602 |
| Net charge-offs to loans | -0.0132% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8788% | 201 |
| Assets per employee ($millions) | 2.3263% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9842% | 3,868 |
| Loan loss allowance to noncurrent loans | 50.5051% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 3.4507% | 169 |
| Noncurrent loans to loans | 1.9486% | 770 |
| Net loans and leases to total assets | 78.6354% | 1,228 |
| Net loans and leases to deposits | 86.8676% | 2,276 |
| Net loans and leases to core deposits | 97.8744% | 1,945 |
| Total domestic deposits to total assets | 90.5233% | 333 |
| Equity capital to assets | 9.1758% | 4,393 |
| Core capital (leverage) ratio | 7.8066% | 5,357 |
| Tier 1 risk-based capital ratio | 12.1698% | 4,395 |
| Total risk-based capital ratio | 13.4187% | 4,297 |
| Memoranda: |
| Average total assets | $25,483,250 | 5,362 |
| Average earning assets | $23,639,250 | 5,345 |
| Average equity | $2,352,000 | 5,399 |
| Average total loans | $20,179,250 | 5,131 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9032% | 1,019 |
| Cost of funding earning assets | 0.3472% | 4,090 |
| Net interest margin | 4.5560% | 618 |
| Noninterest income to average assets | 0.4165% | 3,376 |
| Noninterest expense to average assets | 3.9767% | 550 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6680% | 4,291 |
| Return on assets (ROA) | 0.6680% | 4,298 |
| Pretax return on assets | 0.6680% | 4,592 |
| Return on Equity (ROE) | 7.2238% | 3,826 |
| Retained earnings to average equity (ytd only) | 7.2238% | 1,968 |
| Net charge-offs to loans | -0.0199% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6176% | 590 |
| Assets per employee ($millions) | 2.4619% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9860% | 3,930 |
| Loan loss allowance to noncurrent loans | 89.6861% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 2.0838% | 496 |
| Noncurrent loans to loans | 1.0993% | 1,605 |
| Net loans and leases to total assets | 81.5833% | 758 |
| Net loans and leases to deposits | 91.9643% | 1,587 |
| Net loans and leases to core deposits | 104.4190% | 1,362 |
| Total domestic deposits to total assets | 88.7120% | 1,052 |
| Equity capital to assets | 9.7445% | 3,880 |
| Core capital (leverage) ratio | 8.1877% | 5,268 |
| Tier 1 risk-based capital ratio | 12.8783% | 3,962 |
| Total risk-based capital ratio | 14.1275% | 3,879 |
| Memoranda: |
| Average total assets | $25,448,000 | 5,424 |
| Average earning assets | $23,617,000 | 5,409 |
| Average equity | $2,353,330 | 5,460 |
| Average total loans | $20,131,670 | 5,193 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7341% | 1,226 |
| Cost of funding earning assets | 0.3654% | 3,871 |
| Net interest margin | 4.3687% | 822 |
| Noninterest income to average assets | 0.3557% | 3,766 |
| Noninterest expense to average assets | 3.8975% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5259% | 4,632 |
| Return on assets (ROA) | 0.5259% | 4,636 |
| Pretax return on assets | 0.5259% | 4,836 |
| Return on Equity (ROE) | 5.8357% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.8357% | 2,789 |
| Net charge-offs to loans | -0.0199% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1119% | 532 |
| Assets per employee ($millions) | 2.5427% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9891% | 4,026 |
| Loan loss allowance to noncurrent loans | 55.7423% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 2.5445% | 362 |
| Noncurrent loans to loans | 1.7744% | 956 |
| Net loans and leases to total assets | 78.3419% | 1,189 |
| Net loans and leases to deposits | 86.5748% | 2,093 |
| Net loans and leases to core deposits | 97.6231% | 1,862 |
| Total domestic deposits to total assets | 90.4904% | 480 |
| Equity capital to assets | 9.2303% | 4,334 |
| Core capital (leverage) ratio | 7.6246% | 5,483 |
| Tier 1 risk-based capital ratio | 12.4330% | 4,287 |
| Total risk-based capital ratio | 13.6839% | 4,180 |
| Memoranda: |
| Average total assets | $25,862,500 | 5,483 |
| Average earning assets | $24,080,500 | 5,463 |
| Average equity | $2,330,500 | 5,520 |
| Average total loans | $20,055,000 | 5,256 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9147% | 772 |
| Cost of funding earning assets | 0.3299% | 3,874 |
| Net interest margin | 4.5848% | 516 |
| Noninterest income to average assets | -0.3199% | 5,656 |
| Noninterest expense to average assets | 4.0088% | 527 |
| Loan and lease loss provision to assets | 0.0434% | 3,373 |
| Net operating income to assets | -0.1461% | 5,436 |
| Return on assets (ROA) | -0.1461% | 5,437 |
| Pretax return on assets | -0.1461% | 5,484 |
| Return on Equity (ROE) | -1.6631% | 5,452 |
| Retained earnings to average equity (ytd only) | -1.6631% | 5,248 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6289% | 146 |
| Assets per employee ($millions) | 2.6298% | 5,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9904% | 4,000 |
| Loan loss allowance to noncurrent loans | 85.3448% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.9849% | 568 |
| Noncurrent loans to loans | 1.1605% | 1,529 |
| Net loans and leases to total assets | 75.2643% | 1,712 |
| Net loans and leases to deposits | 82.6879% | 2,644 |
| Net loans and leases to core deposits | 97.3107% | 1,909 |
| Total domestic deposits to total assets | 91.0221% | 235 |
| Equity capital to assets | 8.7991% | 4,901 |
| Core capital (leverage) ratio | 7.5542% | 5,551 |
| Tier 1 risk-based capital ratio | 11.9830% | 4,539 |
| Total risk-based capital ratio | 13.2282% | 4,431 |
| Memoranda: |
| Average total assets | $25,319,600 | 5,542 |
| Average earning assets | $23,338,200 | 5,527 |
| Average equity | $2,224,800 | 5,590 |
| Average total loans | $19,867,000 | 5,319 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9016% | 757 |
| Cost of funding earning assets | 0.3121% | 4,005 |
| Net interest margin | 4.5895% | 497 |
| Noninterest income to average assets | -0.3190% | 5,727 |
| Noninterest expense to average assets | 4.0358% | 493 |
| Loan and lease loss provision to assets | 0.0585% | 2,913 |
| Net operating income to assets | -0.1914% | 5,576 |
| Return on assets (ROA) | -0.1914% | 5,581 |
| Pretax return on assets | -0.1914% | 5,575 |
| Return on Equity (ROE) | -2.1793% | 5,590 |
| Retained earnings to average equity (ytd only) | -2.1793% | 5,440 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4060% | 142 |
| Assets per employee ($millions) | 2.6046% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9784% | 4,195 |
| Loan loss allowance to noncurrent loans | 84.9785% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 2.1424% | 584 |
| Noncurrent loans to loans | 1.1514% | 1,664 |
| Net loans and leases to total assets | 76.9370% | 1,429 |
| Net loans and leases to deposits | 84.0668% | 2,554 |
| Net loans and leases to core deposits | 99.0020% | 1,797 |
| Total domestic deposits to total assets | 91.5189% | 99 |
| Equity capital to assets | 8.3122% | 5,387 |
| Core capital (leverage) ratio | 7.0093% | 5,670 |
| Tier 1 risk-based capital ratio | 10.9976% | 5,250 |
| Total risk-based capital ratio | 12.2307% | 5,147 |
| Memoranda: |
| Average total assets | $25,075,000 | 5,605 |
| Average earning assets | $23,066,750 | 5,594 |
| Average equity | $2,202,500 | 5,656 |
| Average total loans | $19,836,000 | 5,372 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8459% | 781 |
| Cost of funding earning assets | 0.3254% | 3,841 |
| Net interest margin | 4.5205% | 542 |
| Noninterest income to average assets | 0.4283% | 3,501 |
| Noninterest expense to average assets | 4.2018% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3798% | 5,020 |
| Return on assets (ROA) | 0.3798% | 5,047 |
| Pretax return on assets | 0.3798% | 5,209 |
| Return on Equity (ROE) | 4.2438% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.2438% | 3,184 |
| Net charge-offs to loans | 0.0203% | 2,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,680 |
| Efficiency ratio | 91.7108% | 374 |
| Assets per employee ($millions) | 2.5059% | 5,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9408% | 4,465 |
| Loan loss allowance to noncurrent loans | 79.0598% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 2.8453% | 339 |
| Noncurrent loans to loans | 1.1900% | 1,639 |
| Net loans and leases to total assets | 77.7326% | 1,281 |
| Net loans and leases to deposits | 85.5768% | 2,277 |
| Net loans and leases to core deposits | 101.6331% | 1,539 |
| Total domestic deposits to total assets | 90.8336% | 261 |
| Equity capital to assets | 8.9708% | 4,931 |
| Core capital (leverage) ratio | 7.5816% | 5,638 |
| Tier 1 risk-based capital ratio | 11.3422% | 5,059 |
| Total risk-based capital ratio | 12.4770% | 5,016 |
| Memoranda: |
| Average total assets | $24,751,330 | 5,655 |
| Average earning assets | $22,741,000 | 5,644 |
| Average equity | $2,215,000 | 5,701 |
| Average total loans | $19,702,330 | 5,420 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6763% | 975 |
| Cost of funding earning assets | 0.3011% | 4,034 |
| Net interest margin | 4.3752% | 666 |
| Noninterest income to average assets | 0.3578% | 3,978 |
| Noninterest expense to average assets | 4.2118% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1626% | 5,445 |
| Return on assets (ROA) | 0.1626% | 5,457 |
| Pretax return on assets | 0.1626% | 5,474 |
| Return on Equity (ROE) | 1.8194% | 5,363 |
| Retained earnings to average equity (ytd only) | 1.8194% | 4,388 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2825% | 310 |
| Assets per employee ($millions) | 2.4942% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9462% | 4,575 |
| Loan loss allowance to noncurrent loans | 69.0037% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 3.0150% | 336 |
| Noncurrent loans to loans | 1.3712% | 1,469 |
| Net loans and leases to total assets | 78.4901% | 1,062 |
| Net loans and leases to deposits | 86.3412% | 1,998 |
| Net loans and leases to core deposits | 102.6102% | 1,324 |
| Total domestic deposits to total assets | 90.9069% | 328 |
| Equity capital to assets | 8.8646% | 4,941 |
| Core capital (leverage) ratio | 7.5034% | 5,706 |
| Tier 1 risk-based capital ratio | 10.9295% | 5,343 |
| Total risk-based capital ratio | 12.0574% | 5,326 |
| Memoranda: |
| Average total assets | $24,597,500 | 5,729 |
| Average earning assets | $22,582,000 | 5,711 |
| Average equity | $2,198,500 | 5,768 |
| Average total loans | $19,721,500 | 5,475 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9515% | 653 |
| Cost of funding earning assets | 0.3069% | 3,990 |
| Net interest margin | 4.6447% | 464 |
| Noninterest income to average assets | 0.0716% | 5,720 |
| Noninterest expense to average assets | 4.4927% | 381 |
| Loan and lease loss provision to assets | 0.1391% | 1,794 |
| Net operating income to assets | -0.3498% | 5,753 |
| Return on assets (ROA) | -0.3498% | 5,763 |
| Pretax return on assets | -0.3498% | 5,751 |
| Return on Equity (ROE) | -3.7435% | 5,770 |
| Retained earnings to average equity (ytd only) | -3.7435% | 5,621 |
| Net charge-offs to loans | 0.1561% | 1,711 |
| Credit loss provision to net charge-offs | 110.0000% | 2,379 |
| Earnings coverage of net charge-offs (x) | -1.6667% | 4,186 |
| Efficiency ratio | 104.9213% | 175 |
| Assets per employee ($millions) | 2.2048% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9452% | 4,603 |
| Loan loss allowance to noncurrent loans | 67.6364% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 3.1130% | 310 |
| Noncurrent loans to loans | 1.3974% | 1,460 |
| Net loans and leases to total assets | 80.3736% | 836 |
| Net loans and leases to deposits | 88.5281% | 1,866 |
| Net loans and leases to core deposits | 105.8022% | 1,142 |
| Total domestic deposits to total assets | 90.7888% | 351 |
| Equity capital to assets | 9.0133% | 4,807 |
| Core capital (leverage) ratio | 7.6381% | 5,719 |
| Tier 1 risk-based capital ratio | 10.8264% | 5,416 |
| Total risk-based capital ratio | 11.9532% | 5,400 |
| Memoranda: |
| Average total assets | $23,727,200 | 5,789 |
| Average earning assets | $21,508,600 | 5,777 |
| Average equity | $2,217,200 | 5,824 |
| Average total loans | $19,219,800 | 5,543 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9537% | 650 |
| Cost of funding earning assets | 0.3061% | 4,031 |
| Net interest margin | 4.6476% | 469 |
| Noninterest income to average assets | -0.0283% | 5,946 |
| Noninterest expense to average assets | 4.4470% | 402 |
| Loan and lease loss provision to assets | 0.1639% | 1,396 |
| Net operating income to assets | -0.4351% | 5,844 |
| Return on assets (ROA) | -0.4351% | 5,855 |
| Pretax return on assets | -0.4351% | 5,845 |
| Return on Equity (ROE) | -4.6139% | 5,858 |
| Retained earnings to average equity (ytd only) | -4.6139% | 5,725 |
| Net charge-offs to loans | 0.2094% | 1,115 |
| Credit loss provision to net charge-offs | 96.6667% | 2,427 |
| Earnings coverage of net charge-offs (x) | -1.6000% | 3,863 |
| Efficiency ratio | 106.4953% | 152 |
| Assets per employee ($millions) | 2.1665% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9341% | 4,735 |
| Loan loss allowance to noncurrent loans | 58.6538% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 3.3400% | 312 |
| Noncurrent loans to loans | 1.5926% | 1,354 |
| Net loans and leases to total assets | 81.4367% | 698 |
| Net loans and leases to deposits | 89.8227% | 1,783 |
| Net loans and leases to core deposits | 107.7444% | 1,070 |
| Total domestic deposits to total assets | 90.6638% | 284 |
| Equity capital to assets | 9.2019% | 4,971 |
| Core capital (leverage) ratio | 7.5337% | 5,827 |
| Tier 1 risk-based capital ratio | 10.9284% | 5,403 |
| Total risk-based capital ratio | 12.0431% | 5,388 |
| Memoranda: |
| Average total assets | $23,595,750 | 5,852 |
| Average earning assets | $21,344,000 | 5,841 |
| Average equity | $2,225,000 | 5,886 |
| Average total loans | $19,105,000 | 5,600 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9514% | 644 |
| Cost of funding earning assets | 0.2913% | 4,237 |
| Net interest margin | 4.6601% | 450 |
| Noninterest income to average assets | 0.5103% | 3,121 |
| Noninterest expense to average assets | 4.5669% | 362 |
| Loan and lease loss provision to assets | 0.0935% | 2,282 |
| Net operating income to assets | 0.0680% | 5,704 |
| Return on assets (ROA) | 0.0680% | 5,740 |
| Pretax return on assets | 0.0680% | 5,748 |
| Return on Equity (ROE) | 0.7157% | 5,724 |
| Retained earnings to average equity (ytd only) | 0.7157% | 5,087 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5827% | 325 |
| Assets per employee ($millions) | 2.1429% | 5,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0023% | 4,504 |
| Loan loss allowance to noncurrent loans | 85.0877% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 3.4363% | 317 |
| Noncurrent loans to loans | 1.1779% | 1,952 |
| Net loans and leases to total assets | 81.2914% | 711 |
| Net loans and leases to deposits | 90.1487% | 1,739 |
| Net loans and leases to core deposits | 108.4867% | 1,011 |
| Total domestic deposits to total assets | 90.1748% | 422 |
| Equity capital to assets | 9.5155% | 4,757 |
| Core capital (leverage) ratio | 7.8834% | 5,787 |
| Tier 1 risk-based capital ratio | 11.3757% | 5,233 |
| Total risk-based capital ratio | 12.5725% | 5,167 |
| Memoranda: |
| Average total assets | $23,517,000 | 5,930 |
| Average earning assets | $21,287,000 | 5,915 |
| Average equity | $2,235,670 | 5,960 |
| Average total loans | $18,943,000 | 5,670 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8143% | 820 |
| Cost of funding earning assets | 0.2821% | 4,362 |
| Net interest margin | 4.5322% | 573 |
| Noninterest income to average assets | 0.4087% | 3,760 |
| Noninterest expense to average assets | 4.5297% | 385 |
| Loan and lease loss provision to assets | 0.0681% | 2,592 |
| Net operating income to assets | -0.0851% | 5,840 |
| Return on assets (ROA) | -0.0851% | 5,855 |
| Pretax return on assets | -0.0851% | 5,855 |
| Return on Equity (ROE) | -0.8961% | 5,867 |
| Retained earnings to average equity (ytd only) | -0.8961% | 5,268 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3774% | 283 |
| Assets per employee ($millions) | 2.1965% | 5,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9876% | 4,680 |
| Loan loss allowance to noncurrent loans | 102.7322% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 3.1661% | 387 |
| Noncurrent loans to loans | 0.9613% | 2,454 |
| Net loans and leases to total assets | 78.0068% | 1,100 |
| Net loans and leases to deposits | 86.2135% | 2,042 |
| Net loans and leases to core deposits | 103.1693% | 1,251 |
| Total domestic deposits to total assets | 90.4809% | 437 |
| Equity capital to assets | 9.2252% | 4,965 |
| Core capital (leverage) ratio | 7.8676% | 5,826 |
| Tier 1 risk-based capital ratio | 11.4849% | 5,242 |
| Total risk-based capital ratio | 12.6647% | 5,181 |
| Memoranda: |
| Average total assets | $23,489,500 | 5,992 |
| Average earning assets | $21,270,000 | 5,980 |
| Average equity | $2,232,000 | 6,021 |
| Average total loans | $18,736,500 | 5,727 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9404% | 708 |
| Cost of funding earning assets | 0.2314% | 4,998 |
| Net interest margin | 4.7090% | 444 |
| Noninterest income to average assets | 0.4304% | 3,817 |
| Noninterest expense to average assets | 4.1237% | 586 |
| Loan and lease loss provision to assets | 0.1722% | 1,328 |
| Net operating income to assets | 0.3401% | 5,241 |
| Return on assets (ROA) | 0.3401% | 5,331 |
| Pretax return on assets | 0.3401% | 5,438 |
| Return on Equity (ROE) | 3.5968% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.5968% | 3,498 |
| Net charge-offs to loans | 0.0109% | 4,090 |
| Credit loss provision to net charge-offs | 2,000.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 59.5000% | 874 |
| Efficiency ratio | 88.9508% | 763 |
| Assets per employee ($millions) | 2.0743% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9980% | 4,634 |
| Loan loss allowance to noncurrent loans | 92.4623% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 3.4229% | 352 |
| Noncurrent loans to loans | 1.0794% | 2,183 |
| Net loans and leases to total assets | 79.9974% | 848 |
| Net loans and leases to deposits | 88.9522% | 1,754 |
| Net loans and leases to core deposits | 99.0880% | 1,585 |
| Total domestic deposits to total assets | 89.9329% | 661 |
| Equity capital to assets | 9.7953% | 4,195 |
| Core capital (leverage) ratio | 8.1720% | 5,717 |
| Tier 1 risk-based capital ratio | 11.9734% | 4,963 |
| Total risk-based capital ratio | 13.1733% | 4,905 |
| Memoranda: |
| Average total assets | $23,231,600 | 6,057 |
| Average earning assets | $20,747,400 | 6,048 |
| Average equity | $2,196,400 | 6,079 |
| Average total loans | $18,361,800 | 5,785 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8688% | 821 |
| Cost of funding earning assets | 0.2373% | 5,018 |
| Net interest margin | 4.6314% | 518 |
| Noninterest income to average assets | 0.4457% | 3,752 |
| Noninterest expense to average assets | 3.9939% | 673 |
| Loan and lease loss provision to assets | 0.6171% | 144 |
| Net operating income to assets | -0.0400% | 5,962 |
| Return on assets (ROA) | -0.0400% | 5,991 |
| Pretax return on assets | -0.0400% | 5,990 |
| Return on Equity (ROE) | -0.4267% | 5,993 |
| Retained earnings to average equity (ytd only) | -0.4267% | 5,679 |
| Net charge-offs to loans | -0.0436% | 5,502 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3750% | 904 |
| Assets per employee ($millions) | 2.5667% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4396% | 2,410 |
| Loan loss allowance to noncurrent loans | 71.8232% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 3.6494% | 341 |
| Noncurrent loans to loans | 2.0044% | 1,156 |
| Net loans and leases to total assets | 77.0563% | 1,242 |
| Net loans and leases to deposits | 85.1145% | 2,266 |
| Net loans and leases to core deposits | 94.6104% | 2,025 |
| Total domestic deposits to total assets | 90.5325% | 377 |
| Equity capital to assets | 9.3030% | 5,000 |
| Core capital (leverage) ratio | 7.7154% | 6,007 |
| Tier 1 risk-based capital ratio | 11.7253% | 5,250 |
| Total risk-based capital ratio | 12.9916% | 5,161 |
| Memoranda: |
| Average total assets | $23,335,250 | 6,138 |
| Average earning assets | $20,785,000 | 6,130 |
| Average equity | $2,186,750 | 6,162 |
| Average total loans | $18,343,000 | 5,859 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9143% | 709 |
| Cost of funding earning assets | 0.2409% | 5,045 |
| Net interest margin | 4.6734% | 462 |
| Noninterest income to average assets | 1.2471% | 782 |
| Noninterest expense to average assets | 4.1087% | 603 |
| Loan and lease loss provision to assets | 0.3161% | 456 |
| Net operating income to assets | 0.9652% | 2,563 |
| Return on assets (ROA) | 0.9652% | 2,671 |
| Pretax return on assets | 0.9652% | 3,720 |
| Return on Equity (ROE) | 10.2759% | 1,944 |
| Retained earnings to average equity (ytd only) | 10.2759% | 622 |
| Net charge-offs to loans | -0.0108% | 4,948 |
| Credit loss provision to net charge-offs | -3,700.0000% | 5,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2282% | 2,320 |
| Assets per employee ($millions) | 2.2744% | 6,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0063% | 4,839 |
| Loan loss allowance to noncurrent loans | 54.3027% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 4.2209% | 300 |
| Noncurrent loans to loans | 1.8531% | 1,363 |
| Net loans and leases to total assets | 79.1549% | 916 |
| Net loans and leases to deposits | 88.7853% | 1,748 |
| Net loans and leases to core deposits | 97.9542% | 1,659 |
| Total domestic deposits to total assets | 89.1532% | 1,069 |
| Equity capital to assets | 9.9719% | 4,072 |
| Core capital (leverage) ratio | 8.2013% | 5,789 |
| Tier 1 risk-based capital ratio | 12.3415% | 4,914 |
| Total risk-based capital ratio | 13.5433% | 4,843 |
| Memoranda: |
| Average total assets | $23,413,670 | 6,211 |
| Average earning assets | $20,755,670 | 6,199 |
| Average equity | $2,199,330 | 6,233 |
| Average total loans | $18,437,330 | 5,911 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9167% | 673 |
| Cost of funding earning assets | 0.2477% | 5,048 |
| Net interest margin | 4.6690% | 436 |
| Noninterest income to average assets | 0.7243% | 2,048 |
| Noninterest expense to average assets | 3.9750% | 718 |
| Loan and lease loss provision to assets | 0.5558% | 178 |
| Net operating income to assets | 0.3200% | 5,339 |
| Return on assets (ROA) | 0.3200% | 5,448 |
| Pretax return on assets | 0.3200% | 5,607 |
| Return on Equity (ROE) | 3.5104% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.5104% | 3,892 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9444% | 1,629 |
| Assets per employee ($millions) | 2.1619% | 6,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9597% | 5,204 |
| Loan loss allowance to noncurrent loans | 57.2347% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 4.0410% | 372 |
| Noncurrent loans to loans | 1.6767% | 1,649 |
| Net loans and leases to total assets | 77.2465% | 1,024 |
| Net loans and leases to deposits | 86.3495% | 1,788 |
| Net loans and leases to core deposits | 94.8080% | 1,706 |
| Total domestic deposits to total assets | 89.4580% | 1,016 |
| Equity capital to assets | 9.1460% | 5,142 |
| Core capital (leverage) ratio | 7.5985% | 6,115 |
| Tier 1 risk-based capital ratio | 11.0132% | 5,805 |
| Total risk-based capital ratio | 12.1176% | 5,794 |
| Memoranda: |
| Average total assets | $23,748,500 | 6,270 |
| Average earning assets | $20,989,500 | 6,260 |
| Average equity | $2,165,000 | 6,302 |
| Average total loans | $18,563,000 | 5,954 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6131% | 1,523 |
| Cost of funding earning assets | 0.2448% | 5,380 |
| Net interest margin | 4.3683% | 933 |
| Noninterest income to average assets | 0.1719% | 5,827 |
| Noninterest expense to average assets | 4.4814% | 471 |
| Loan and lease loss provision to assets | 0.3480% | 552 |
| Net operating income to assets | -0.8426% | 6,351 |
| Return on assets (ROA) | -0.8426% | 6,350 |
| Pretax return on assets | -0.8426% | 6,345 |
| Return on Equity (ROE) | -9.0688% | 6,348 |
| Retained earnings to average equity (ytd only) | -9.0688% | 6,288 |
| Net charge-offs to loans | 0.6748% | 558 |
| Credit loss provision to net charge-offs | 70.9402% | 3,051 |
| Earnings coverage of net charge-offs (x) | -1.0085% | 4,801 |
| Efficiency ratio | 112.4080% | 189 |
| Assets per employee ($millions) | 2.1560% | 6,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7859% | 5,814 |
| Loan loss allowance to noncurrent loans | 38.6243% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 4.7605% | 306 |
| Noncurrent loans to loans | 2.0347% | 1,356 |
| Net loans and leases to total assets | 77.7197% | 1,035 |
| Net loans and leases to deposits | 86.7797% | 1,874 |
| Net loans and leases to core deposits | 91.9669% | 2,090 |
| Total domestic deposits to total assets | 89.5598% | 939 |
| Equity capital to assets | 9.0867% | 5,196 |
| Core capital (leverage) ratio | 7.6621% | 6,147 |
| Tier 1 risk-based capital ratio | 11.1245% | 5,858 |
| Total risk-based capital ratio | 12.0494% | 5,925 |
| Memoranda: |
| Average total assets | $23,854,000 | 6,354 |
| Average earning assets | $20,832,000 | 6,359 |
| Average equity | $2,216,400 | 6,379 |
| Average total loans | $17,337,600 | 6,072 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5331% | 1,759 |
| Cost of funding earning assets | 0.2372% | 5,540 |
| Net interest margin | 4.2959% | 1,058 |
| Noninterest income to average assets | -0.3739% | 6,567 |
| Noninterest expense to average assets | 3.9069% | 832 |
| Loan and lease loss provision to assets | 0.3125% | 608 |
| Net operating income to assets | -0.8539% | 6,446 |
| Return on assets (ROA) | -0.8539% | 6,444 |
| Pretax return on assets | -0.8539% | 6,431 |
| Return on Equity (ROE) | -9.1404% | 6,429 |
| Retained earnings to average equity (ytd only) | -9.1404% | 6,359 |
| Net charge-offs to loans | 0.7126% | 488 |
| Credit loss provision to net charge-offs | 61.5385% | 2,917 |
| Earnings coverage of net charge-offs (x) | -1.0659% | 4,530 |
| Efficiency ratio | 116.0862% | 156 |
| Assets per employee ($millions) | 2.1335% | 6,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8154% | 5,835 |
| Loan loss allowance to noncurrent loans | 22.0700% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 6.8945% | 175 |
| Noncurrent loans to loans | 3.6947% | 618 |
| Net loans and leases to total assets | 75.1534% | 1,340 |
| Net loans and leases to deposits | 82.8923% | 2,307 |
| Net loans and leases to core deposits | 87.8337% | 2,448 |
| Total domestic deposits to total assets | 90.6639% | 466 |
| Equity capital to assets | 9.2296% | 5,115 |
| Core capital (leverage) ratio | 7.5019% | 6,284 |
| Tier 1 risk-based capital ratio | 11.1272% | 5,942 |
| Total risk-based capital ratio | 12.0403% | 6,044 |
| Memoranda: |
| Average total assets | $23,888,500 | 6,430 |
| Average earning assets | $20,794,500 | 6,434 |
| Average equity | $2,231,750 | 6,455 |
| Average total loans | $17,027,500 | 6,149 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3984% | 2,179 |
| Cost of funding earning assets | 0.2385% | 5,597 |
| Net interest margin | 4.1599% | 1,350 |
| Noninterest income to average assets | 0.7158% | 2,205 |
| Noninterest expense to average assets | 4.1783% | 619 |
| Loan and lease loss provision to assets | 0.4661% | 333 |
| Net operating income to assets | -0.2996% | 6,373 |
| Return on assets (ROA) | -0.2996% | 6,381 |
| Pretax return on assets | -0.2996% | 6,363 |
| Return on Equity (ROE) | -3.1948% | 6,384 |
| Retained earnings to average equity (ytd only) | -3.1948% | 6,109 |
| Net charge-offs to loans | 1.0372% | 333 |
| Credit loss provision to net charge-offs | 64.3678% | 2,571 |
| Earnings coverage of net charge-offs (x) | 0.2299% | 4,087 |
| Efficiency ratio | 96.1686% | 549 |
| Assets per employee ($millions) | 2.6596% | 6,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8843% | 5,766 |
| Loan loss allowance to noncurrent loans | 41.0959% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 6.0954% | 237 |
| Noncurrent loans to loans | 2.1519% | 1,542 |
| Net loans and leases to total assets | 70.2373% | 2,039 |
| Net loans and leases to deposits | 77.5712% | 2,855 |
| Net loans and leases to core deposits | 82.1019% | 2,963 |
| Total domestic deposits to total assets | 90.5456% | 564 |
| Equity capital to assets | 9.3708% | 4,877 |
| Core capital (leverage) ratio | 7.8046% | 6,207 |
| Tier 1 risk-based capital ratio | 11.1656% | 5,978 |
| Total risk-based capital ratio | 12.0739% | 6,067 |
| Memoranda: |
| Average total assets | $24,028,670 | 6,497 |
| Average earning assets | $20,962,000 | 6,496 |
| Average equity | $2,253,670 | 6,510 |
| Average total loans | $16,776,000 | 6,209 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3661% | 2,278 |
| Cost of funding earning assets | 0.2278% | 5,771 |
| Net interest margin | 4.1383% | 1,370 |
| Noninterest income to average assets | 0.7643% | 1,892 |
| Noninterest expense to average assets | 4.1205% | 662 |
| Loan and lease loss provision to assets | 0.9304% | 122 |
| Net operating income to assets | -0.6646% | 6,513 |
| Return on assets (ROA) | -0.6646% | 6,512 |
| Pretax return on assets | -0.6646% | 6,498 |
| Return on Equity (ROE) | -7.0828% | 6,515 |
| Retained earnings to average equity (ytd only) | -7.0828% | 6,246 |
| Net charge-offs to loans | 2.0860% | 122 |
| Credit loss provision to net charge-offs | 64.3678% | 2,064 |
| Earnings coverage of net charge-offs (x) | 0.1839% | 3,400 |
| Efficiency ratio | 93.9394% | 755 |
| Assets per employee ($millions) | 2.6880% | 6,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9398% | 5,738 |
| Loan loss allowance to noncurrent loans | 24.0385% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 7.1263% | 215 |
| Noncurrent loans to loans | 3.9095% | 697 |
| Net loans and leases to total assets | 65.3563% | 2,663 |
| Net loans and leases to deposits | 72.1502% | 3,320 |
| Net loans and leases to core deposits | 76.3153% | 3,377 |
| Total domestic deposits to total assets | 90.5837% | 753 |
| Equity capital to assets | 9.2551% | 4,805 |
| Core capital (leverage) ratio | 7.7706% | 6,236 |
| Tier 1 risk-based capital ratio | 11.4208% | 5,951 |
| Total risk-based capital ratio | 12.3518% | 6,065 |
| Memoranda: |
| Average total assets | $24,075,000 | 6,562 |
| Average earning assets | $21,071,500 | 6,559 |
| Average equity | $2,259,000 | 6,571 |
| Average total loans | $16,683,000 | 6,274 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7525% | 1,436 |
| Cost of funding earning assets | 0.2846% | 5,720 |
| Net interest margin | 4.4679% | 790 |
| Noninterest income to average assets | 0.6297% | 2,918 |
| Noninterest expense to average assets | 4.1212% | 760 |
| Loan and lease loss provision to assets | 0.0471% | 4,181 |
| Net operating income to assets | 0.2956% | 5,540 |
| Return on assets (ROA) | 0.2956% | 5,633 |
| Pretax return on assets | 0.2956% | 5,743 |
| Return on Equity (ROE) | 3.0917% | 5,468 |
| Retained earnings to average equity (ytd only) | 3.0917% | 4,035 |
| Net charge-offs to loans | 0.1285% | 3,530 |
| Credit loss provision to net charge-offs | 50.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | 3.6364% | 3,803 |
| Efficiency ratio | 92.3225% | 853 |
| Assets per employee ($millions) | 2.6620% | 6,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0399% | 5,377 |
| Loan loss allowance to noncurrent loans | 19.9779% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 6.8620% | 248 |
| Noncurrent loans to loans | 5.2054% | 460 |
| Net loans and leases to total assets | 71.8925% | 1,702 |
| Net loans and leases to deposits | 79.5676% | 2,510 |
| Net loans and leases to core deposits | 84.2167% | 2,654 |
| Total domestic deposits to total assets | 90.3540% | 902 |
| Equity capital to assets | 9.5125% | 4,415 |
| Core capital (leverage) ratio | 8.0311% | 6,110 |
| Tier 1 risk-based capital ratio | 11.1368% | 6,103 |
| Total risk-based capital ratio | 12.2031% | 6,146 |
| Memoranda: |
| Average total assets | $23,342,800 | 6,656 |
| Average earning assets | $20,031,600 | 6,656 |
| Average equity | $2,231,800 | 6,659 |
| Average total loans | $17,119,800 | 6,317 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7595% | 1,452 |
| Cost of funding earning assets | 0.2903% | 5,810 |
| Net interest margin | 4.4692% | 772 |
| Noninterest income to average assets | 0.6440% | 2,908 |
| Noninterest expense to average assets | 4.1513% | 719 |
| Loan and lease loss provision to assets | 0.0633% | 3,780 |
| Net operating income to assets | 0.2358% | 5,822 |
| Return on assets (ROA) | 0.2358% | 5,907 |
| Pretax return on assets | 0.2358% | 5,987 |
| Return on Equity (ROE) | 2.4626% | 5,803 |
| Retained earnings to average equity (ytd only) | 2.4626% | 4,855 |
| Net charge-offs to loans | 0.1173% | 3,375 |
| Credit loss provision to net charge-offs | 73.3333% | 2,993 |
| Earnings coverage of net charge-offs (x) | 3.4665% | 3,692 |
| Efficiency ratio | 93.2817% | 775 |
| Assets per employee ($millions) | 3.9728% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0989% | 5,334 |
| Loan loss allowance to noncurrent loans | 19.3018% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 6.9052% | 302 |
| Noncurrent loans to loans | 5.6932% | 469 |
| Net loans and leases to total assets | 70.9821% | 1,785 |
| Net loans and leases to deposits | 78.4896% | 2,588 |
| Net loans and leases to core deposits | 83.0960% | 2,752 |
| Total domestic deposits to total assets | 90.4350% | 770 |
| Equity capital to assets | 9.4433% | 4,623 |
| Core capital (leverage) ratio | 8.2764% | 5,994 |
| Tier 1 risk-based capital ratio | 11.0845% | 6,239 |
| Total risk-based capital ratio | 12.2097% | 6,263 |
| Memoranda: |
| Average total assets | $23,189,000 | 6,732 |
| Average earning assets | $19,749,500 | 6,735 |
| Average equity | $2,220,000 | 6,740 |
| Average total loans | $17,048,500 | 6,384 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8349% | 1,256 |
| Cost of funding earning assets | 0.3189% | 5,670 |
| Net interest margin | 4.5160% | 691 |
| Noninterest income to average assets | 0.6007% | 3,185 |
| Noninterest expense to average assets | 4.3442% | 601 |
| Loan and lease loss provision to assets | 0.0348% | 4,248 |
| Net operating income to assets | 0.0435% | 6,252 |
| Return on assets (ROA) | 0.0435% | 6,325 |
| Pretax return on assets | 0.0435% | 6,310 |
| Return on Equity (ROE) | 0.4526% | 6,315 |
| Retained earnings to average equity (ytd only) | 0.4526% | 5,712 |
| Net charge-offs to loans | 0.1762% | 2,709 |
| Credit loss provision to net charge-offs | 26.6667% | 3,640 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 4,331 |
| Efficiency ratio | 98.2283% | 558 |
| Assets per employee ($millions) | 3.6410% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0668% | 5,559 |
| Loan loss allowance to noncurrent loans | 19.6312% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 7.3743% | 312 |
| Noncurrent loans to loans | 5.4341% | 565 |
| Net loans and leases to total assets | 76.8379% | 884 |
| Net loans and leases to deposits | 86.3167% | 1,544 |
| Net loans and leases to core deposits | 89.0362% | 2,001 |
| Total domestic deposits to total assets | 89.0186% | 1,625 |
| Equity capital to assets | 10.1346% | 3,744 |
| Core capital (leverage) ratio | 8.2444% | 5,967 |
| Tier 1 risk-based capital ratio | 11.1954% | 6,249 |
| Total risk-based capital ratio | 12.3119% | 6,283 |
| Memoranda: |
| Average total assets | $22,973,000 | 6,784 |
| Average earning assets | $19,442,000 | 6,791 |
| Average equity | $2,209,670 | 6,789 |
| Average total loans | $17,028,670 | 6,426 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7321% | 1,453 |
| Cost of funding earning assets | 0.3438% | 5,605 |
| Net interest margin | 4.3883% | 821 |
| Noninterest income to average assets | 0.5268% | 3,593 |
| Noninterest expense to average assets | 4.2487% | 664 |
| Loan and lease loss provision to assets | 0.0680% | 3,501 |
| Net operating income to assets | -0.1020% | 6,441 |
| Return on assets (ROA) | -0.1020% | 6,492 |
| Pretax return on assets | -0.1020% | 6,484 |
| Return on Equity (ROE) | -1.0872% | 6,507 |
| Retained earnings to average equity (ytd only) | -1.0872% | 5,967 |
| Net charge-offs to loans | 0.3048% | 1,743 |
| Credit loss provision to net charge-offs | 30.7692% | 2,878 |
| Earnings coverage of net charge-offs (x) | -0.1538% | 3,862 |
| Efficiency ratio | 100.8065% | 517 |
| Assets per employee ($millions) | 3.3104% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0712% | 5,708 |
| Loan loss allowance to noncurrent loans | 25.4520% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 6.0976% | 524 |
| Noncurrent loans to loans | 4.2089% | 1,041 |
| Net loans and leases to total assets | 72.9297% | 1,217 |
| Net loans and leases to deposits | 80.7801% | 1,973 |
| Net loans and leases to core deposits | 88.2507% | 1,881 |
| Total domestic deposits to total assets | 90.2818% | 889 |
| Equity capital to assets | 9.5154% | 4,828 |
| Core capital (leverage) ratio | 7.8885% | 6,225 |
| Tier 1 risk-based capital ratio | 11.0411% | 6,387 |
| Total risk-based capital ratio | 12.1599% | 6,417 |
| Memoranda: |
| Average total assets | $23,536,500 | 6,846 |
| Average earning assets | $19,780,000 | 6,857 |
| Average equity | $2,207,500 | 6,856 |
| Average total loans | $17,059,500 | 6,486 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0306% | 1,478 |
| Cost of funding earning assets | 0.5524% | 4,796 |
| Net interest margin | 4.4782% | 981 |
| Noninterest income to average assets | 0.4906% | 3,963 |
| Noninterest expense to average assets | 4.3202% | 667 |
| Loan and lease loss provision to assets | 0.0374% | 5,414 |
| Net operating income to assets | -0.0582% | 6,245 |
| Return on assets (ROA) | -0.0582% | 6,353 |
| Pretax return on assets | -0.0582% | 6,334 |
| Return on Equity (ROE) | -0.6350% | 6,355 |
| Retained earnings to average equity (ytd only) | -0.6350% | 5,957 |
| Net charge-offs to loans | -0.0115% | 6,483 |
| Credit loss provision to net charge-offs | -450.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4836% | 547 |
| Assets per employee ($millions) | 2.6556% | 6,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1270% | 5,449 |
| Loan loss allowance to noncurrent loans | 20.6230% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 6.8159% | 460 |
| Noncurrent loans to loans | 5.4649% | 681 |
| Net loans and leases to total assets | 70.4770% | 1,744 |
| Net loans and leases to deposits | 77.7942% | 2,565 |
| Net loans and leases to core deposits | 84.7113% | 2,464 |
| Total domestic deposits to total assets | 90.5941% | 666 |
| Equity capital to assets | 9.2469% | 5,213 |
| Core capital (leverage) ratio | 7.6708% | 6,422 |
| Tier 1 risk-based capital ratio | 10.9791% | 6,352 |
| Total risk-based capital ratio | 12.1431% | 6,361 |
| Memoranda: |
| Average total assets | $24,050,000 | 6,894 |
| Average earning assets | $20,454,800 | 6,893 |
| Average equity | $2,204,600 | 6,927 |
| Average total loans | $17,415,000 | 6,536 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1017% | 1,424 |
| Cost of funding earning assets | 0.6029% | 4,617 |
| Net interest margin | 4.4988% | 992 |
| Noninterest income to average assets | 0.4705% | 4,132 |
| Noninterest expense to average assets | 4.3452% | 633 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0332% | 6,324 |
| Return on assets (ROA) | -0.0332% | 6,446 |
| Pretax return on assets | -0.0332% | 6,428 |
| Return on Equity (ROE) | -0.3631% | 6,450 |
| Retained earnings to average equity (ytd only) | -0.3631% | 6,156 |
| Net charge-offs to loans | -0.0152% | 6,440 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7702% | 514 |
| Assets per employee ($millions) | 3.0091% | 6,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0554% | 5,869 |
| Loan loss allowance to noncurrent loans | 37.3469% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 4.9433% | 911 |
| Noncurrent loans to loans | 2.8260% | 1,992 |
| Net loans and leases to total assets | 71.2666% | 1,683 |
| Net loans and leases to deposits | 78.6648% | 2,570 |
| Net loans and leases to core deposits | 85.5917% | 2,518 |
| Total domestic deposits to total assets | 90.5953% | 562 |
| Equity capital to assets | 9.2219% | 5,570 |
| Core capital (leverage) ratio | 7.7076% | 6,524 |
| Tier 1 risk-based capital ratio | 10.7351% | 6,594 |
| Total risk-based capital ratio | 11.8139% | 6,627 |
| Memoranda: |
| Average total assets | $24,087,500 | 6,981 |
| Average earning assets | $20,567,750 | 6,983 |
| Average equity | $2,203,250 | 7,018 |
| Average total loans | $17,509,750 | 6,617 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9761% | 1,851 |
| Cost of funding earning assets | 0.6499% | 4,442 |
| Net interest margin | 4.3262% | 1,403 |
| Noninterest income to average assets | 0.4815% | 4,046 |
| Noninterest expense to average assets | 4.4662% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.2822% | 6,603 |
| Return on assets (ROA) | -0.2822% | 6,665 |
| Pretax return on assets | -0.2822% | 6,629 |
| Return on Equity (ROE) | -3.0942% | 6,679 |
| Retained earnings to average equity (ytd only) | -3.0942% | 6,478 |
| Net charge-offs to loans | -0.0228% | 6,457 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7460% | 382 |
| Assets per employee ($millions) | 2.6903% | 6,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0503% | 5,958 |
| Loan loss allowance to noncurrent loans | 41.4027% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 5.1377% | 916 |
| Noncurrent loans to loans | 2.5369% | 2,375 |
| Net loans and leases to total assets | 71.2014% | 1,695 |
| Net loans and leases to deposits | 78.4028% | 2,613 |
| Net loans and leases to core deposits | 88.5101% | 2,143 |
| Total domestic deposits to total assets | 90.8149% | 521 |
| Equity capital to assets | 9.0447% | 5,656 |
| Core capital (leverage) ratio | 7.6261% | 6,555 |
| Tier 1 risk-based capital ratio | 10.5347% | 6,684 |
| Total risk-based capital ratio | 11.6111% | 6,723 |
| Memoranda: |
| Average total assets | $24,092,330 | 7,038 |
| Average earning assets | $20,618,670 | 7,038 |
| Average equity | $2,197,670 | 7,065 |
| Average total loans | $17,566,670 | 6,669 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6619% | 3,206 |
| Cost of funding earning assets | 0.7187% | 4,119 |
| Net interest margin | 3.9432% | 2,754 |
| Noninterest income to average assets | 0.4827% | 4,040 |
| Noninterest expense to average assets | 4.6605% | 475 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.7989% | 6,951 |
| Return on assets (ROA) | -0.7989% | 6,969 |
| Pretax return on assets | -0.7989% | 6,931 |
| Return on Equity (ROE) | -8.7213% | 6,970 |
| Retained earnings to average equity (ytd only) | -8.7213% | 6,801 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.6897% | 215 |
| Assets per employee ($millions) | 2.6732% | 6,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0257% | 6,158 |
| Loan loss allowance to noncurrent loans | 65.3430% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 3.7200% | 1,516 |
| Noncurrent loans to loans | 1.5697% | 3,753 |
| Net loans and leases to total assets | 72.5965% | 1,298 |
| Net loans and leases to deposits | 79.9396% | 2,206 |
| Net loans and leases to core deposits | 90.3009% | 1,822 |
| Total domestic deposits to total assets | 90.8142% | 636 |
| Equity capital to assets | 9.0527% | 5,420 |
| Core capital (leverage) ratio | 7.5445% | 6,607 |
| Tier 1 risk-based capital ratio | 10.7001% | 6,670 |
| Total risk-based capital ratio | 11.8008% | 6,707 |
| Memoranda: |
| Average total assets | $24,032,000 | 7,098 |
| Average earning assets | $20,592,500 | 7,102 |
| Average equity | $2,201,500 | 7,119 |
| Average total loans | $17,638,500 | 6,724 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0635% | 2,590 |
| Cost of funding earning assets | 0.7434% | 5,254 |
| Net interest margin | 4.3201% | 1,632 |
| Noninterest income to average assets | 0.4195% | 4,454 |
| Noninterest expense to average assets | 4.5981% | 531 |
| Loan and lease loss provision to assets | 0.7239% | 1,409 |
| Net operating income to assets | -1.1022% | 6,789 |
| Return on assets (ROA) | -1.1022% | 6,811 |
| Pretax return on assets | -1.1022% | 6,774 |
| Return on Equity (ROE) | -11.2426% | 6,770 |
| Retained earnings to average equity (ytd only) | -11.2426% | 6,739 |
| Net charge-offs to loans | 0.8503% | 2,040 |
| Credit loss provision to net charge-offs | 114.2857% | 2,861 |
| Earnings coverage of net charge-offs (x) | -0.5974% | 6,109 |
| Efficiency ratio | 108.9669% | 452 |
| Assets per employee ($millions) | 2.6672% | 6,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0323% | 6,061 |
| Loan loss allowance to noncurrent loans | 77.1186% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 3.5534% | 1,665 |
| Noncurrent loans to loans | 1.3386% | 4,137 |
| Net loans and leases to total assets | 72.6849% | 1,518 |
| Net loans and leases to deposits | 80.2502% | 2,476 |
| Net loans and leases to core deposits | 88.9297% | 2,259 |
| Total domestic deposits to total assets | 90.5728% | 677 |
| Equity capital to assets | 9.2689% | 5,184 |
| Core capital (leverage) ratio | 7.8481% | 6,403 |
| Tier 1 risk-based capital ratio | 10.8033% | 6,556 |
| Total risk-based capital ratio | 11.8807% | 6,609 |
| Memoranda: |
| Average total assets | $24,314,200 | 7,122 |
| Average earning assets | $21,388,400 | 7,119 |
| Average equity | $2,383,800 | 7,145 |
| Average total loans | $18,110,200 | 6,745 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0038% | 3,068 |
| Cost of funding earning assets | 0.7536% | 5,449 |
| Net interest margin | 4.2502% | 1,908 |
| Noninterest income to average assets | 0.4100% | 4,592 |
| Noninterest expense to average assets | 4.5042% | 575 |
| Loan and lease loss provision to assets | 0.3990% | 2,461 |
| Net operating income to assets | -0.7325% | 6,769 |
| Return on assets (ROA) | -0.7325% | 6,804 |
| Pretax return on assets | -0.7325% | 6,751 |
| Return on Equity (ROE) | -7.3720% | 6,781 |
| Retained earnings to average equity (ytd only) | -7.3720% | 6,723 |
| Net charge-offs to loans | 0.3438% | 3,380 |
| Credit loss provision to net charge-offs | 155.3191% | 2,001 |
| Earnings coverage of net charge-offs (x) | -1.2978% | 5,965 |
| Efficiency ratio | 107.9948% | 464 |
| Assets per employee ($millions) | 2.1614% | 7,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0014% | 6,265 |
| Loan loss allowance to noncurrent loans | 34.9057% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 4.4038% | 1,370 |
| Noncurrent loans to loans | 2.8689% | 2,431 |
| Net loans and leases to total assets | 76.9253% | 840 |
| Net loans and leases to deposits | 85.5626% | 1,742 |
| Net loans and leases to core deposits | 98.7314% | 1,366 |
| Total domestic deposits to total assets | 89.9054% | 920 |
| Equity capital to assets | 9.9222% | 4,444 |
| Core capital (leverage) ratio | 8.3833% | 5,876 |
| Tier 1 risk-based capital ratio | 10.9545% | 6,571 |
| Total risk-based capital ratio | 11.9895% | 6,672 |
| Memoranda: |
| Average total assets | $24,391,500 | 7,190 |
| Average earning assets | $21,583,000 | 7,189 |
| Average equity | $2,423,500 | 7,203 |
| Average total loans | $18,230,250 | 6,810 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9034% | 3,603 |
| Cost of funding earning assets | 0.7699% | 5,562 |
| Net interest margin | 4.1335% | 2,292 |
| Noninterest income to average assets | 0.3822% | 4,828 |
| Noninterest expense to average assets | 4.4070% | 664 |
| Loan and lease loss provision to assets | 0.5936% | 1,629 |
| Net operating income to assets | -0.9513% | 6,931 |
| Return on assets (ROA) | -0.9513% | 6,936 |
| Pretax return on assets | -0.9513% | 6,885 |
| Return on Equity (ROE) | -9.5706% | 6,926 |
| Retained earnings to average equity (ytd only) | -9.5706% | 6,862 |
| Net charge-offs to loans | 0.5179% | 2,544 |
| Credit loss provision to net charge-offs | 155.3191% | 1,961 |
| Earnings coverage of net charge-offs (x) | -0.9362% | 5,621 |
| Efficiency ratio | 108.8353% | 500 |
| Assets per employee ($millions) | 2.1395% | 7,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0210% | 6,247 |
| Loan loss allowance to noncurrent loans | 25.2387% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 5.4092% | 1,094 |
| Noncurrent loans to loans | 4.0453% | 1,711 |
| Net loans and leases to total assets | 76.2089% | 1,049 |
| Net loans and leases to deposits | 84.9195% | 1,958 |
| Net loans and leases to core deposits | 98.1395% | 1,494 |
| Total domestic deposits to total assets | 89.7425% | 1,101 |
| Equity capital to assets | 10.0918% | 4,027 |
| Core capital (leverage) ratio | 8.3965% | 5,716 |
| Tier 1 risk-based capital ratio | 11.1167% | 6,435 |
| Total risk-based capital ratio | 12.1596% | 6,561 |
| Memoranda: |
| Average total assets | $24,597,000 | 7,253 |
| Average earning assets | $21,821,670 | 7,251 |
| Average equity | $2,445,000 | 7,256 |
| Average total loans | $18,149,000 | 6,881 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8398% | 3,870 |
| Cost of funding earning assets | 0.7858% | 5,634 |
| Net interest margin | 4.0540% | 2,458 |
| Noninterest income to average assets | 0.3502% | 5,099 |
| Noninterest expense to average assets | 4.3616% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.3980% | 6,740 |
| Return on assets (ROA) | -0.3980% | 6,748 |
| Pretax return on assets | -0.3980% | 6,683 |
| Return on Equity (ROE) | -4.0323% | 6,740 |
| Retained earnings to average equity (ytd only) | -4.0323% | 6,415 |
| Net charge-offs to loans | -0.0440% | 6,837 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0402% | 503 |
| Assets per employee ($millions) | 2.2042% | 7,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9017% | 6,696 |
| Loan loss allowance to noncurrent loans | 24.9612% | 6,547 |
| Noncurrent assets plus other real estate owned to assets | 3.9553% | 1,686 |
| Noncurrent loans to loans | 3.6122% | 2,055 |
| Net loans and leases to total assets | 72.9811% | 1,518 |
| Net loans and leases to deposits | 81.4612% | 2,453 |
| Net loans and leases to core deposits | 93.7533% | 1,913 |
| Total domestic deposits to total assets | 89.5900% | 1,433 |
| Equity capital to assets | 10.1790% | 3,560 |
| Core capital (leverage) ratio | 8.4980% | 5,458 |
| Tier 1 risk-based capital ratio | 11.8107% | 5,849 |
| Total risk-based capital ratio | 12.7298% | 6,100 |
| Memoranda: |
| Average total assets | $25,128,500 | 7,286 |
| Average earning assets | $22,397,500 | 7,285 |
| Average equity | $2,480,000 | 7,299 |
| Average total loans | $18,163,500 | 6,933 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3294% | 2,980 |
| Cost of funding earning assets | 1.2305% | 4,352 |
| Net interest margin | 4.0989% | 2,562 |
| Noninterest income to average assets | 0.0917% | 6,938 |
| Noninterest expense to average assets | 4.0864% | 1,040 |
| Loan and lease loss provision to assets | 0.4774% | 3,271 |
| Net operating income to assets | -0.7829% | 6,568 |
| Return on assets (ROA) | -0.7829% | 6,594 |
| Pretax return on assets | -0.7829% | 6,517 |
| Return on Equity (ROE) | -8.1634% | 6,635 |
| Retained earnings to average equity (ytd only) | -8.1634% | 6,548 |
| Net charge-offs to loans | 0.7544% | 2,758 |
| Credit loss provision to net charge-offs | 83.3333% | 5,414 |
| Earnings coverage of net charge-offs (x) | -0.5333% | 6,472 |
| Efficiency ratio | 108.0808% | 573 |
| Assets per employee ($millions) | 2.3646% | 7,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8608% | 6,827 |
| Loan loss allowance to noncurrent loans | 28.5971% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 3.9176% | 1,738 |
| Noncurrent loans to loans | 3.0101% | 2,540 |
| Net loans and leases to total assets | 70.4010% | 2,435 |
| Net loans and leases to deposits | 78.0297% | 3,505 |
| Net loans and leases to core deposits | 91.9924% | 2,503 |
| Total domestic deposits to total assets | 90.2234% | 973 |
| Equity capital to assets | 9.5806% | 4,297 |
| Core capital (leverage) ratio | 8.0878% | 6,045 |
| Tier 1 risk-based capital ratio | 11.6989% | 5,727 |
| Total risk-based capital ratio | 12.5881% | 6,047 |
| Memoranda: |
| Average total assets | $26,184,200 | 7,315 |
| Average earning assets | $23,567,200 | 7,304 |
| Average equity | $2,511,200 | 7,395 |
| Average total loans | $19,884,000 | 6,930 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5536% | 2,238 |
| Cost of funding earning assets | 1.3024% | 4,196 |
| Net interest margin | 4.2512% | 2,029 |
| Noninterest income to average assets | 0.4169% | 4,821 |
| Noninterest expense to average assets | 4.0109% | 1,032 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2389% | 5,394 |
| Return on assets (ROA) | 0.2389% | 5,555 |
| Pretax return on assets | 0.2389% | 5,642 |
| Return on Equity (ROE) | 2.4909% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.4909% | 4,678 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3780% | 984 |
| Assets per employee ($millions) | 2.4169% | 7,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9596% | 6,540 |
| Loan loss allowance to noncurrent loans | 22.1292% | 6,808 |
| Noncurrent assets plus other real estate owned to assets | 4.4384% | 1,531 |
| Noncurrent loans to loans | 4.3365% | 1,678 |
| Net loans and leases to total assets | 71.8160% | 2,293 |
| Net loans and leases to deposits | 79.5674% | 3,532 |
| Net loans and leases to core deposits | 93.9801% | 2,528 |
| Total domestic deposits to total assets | 90.2580% | 745 |
| Equity capital to assets | 9.5953% | 4,705 |
| Core capital (leverage) ratio | 8.2534% | 5,957 |
| Tier 1 risk-based capital ratio | 11.7077% | 5,725 |
| Total risk-based capital ratio | 12.7142% | 5,952 |
| Memoranda: |
| Average total assets | $26,227,500 | 7,406 |
| Average earning assets | $23,647,750 | 7,389 |
| Average equity | $2,516,000 | 7,488 |
| Average total loans | $20,237,250 | 6,998 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6456% | 1,959 |
| Cost of funding earning assets | 1.3244% | 4,385 |
| Net interest margin | 4.3212% | 1,703 |
| Noninterest income to average assets | 0.4520% | 4,496 |
| Noninterest expense to average assets | 4.0218% | 1,013 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3294% | 5,067 |
| Return on assets (ROA) | 0.3294% | 5,229 |
| Pretax return on assets | 0.3294% | 5,423 |
| Return on Equity (ROE) | 3.4341% | 5,043 |
| Retained earnings to average equity (ytd only) | 3.4341% | 3,921 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4296% | 1,164 |
| Assets per employee ($millions) | 2.3113% | 7,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9102% | 6,724 |
| Loan loss allowance to noncurrent loans | 24.5989% | 6,695 |
| Noncurrent assets plus other real estate owned to assets | 4.3188% | 1,547 |
| Noncurrent loans to loans | 3.7000% | 2,113 |
| Net loans and leases to total assets | 78.7917% | 997 |
| Net loans and leases to deposits | 87.7019% | 2,225 |
| Net loans and leases to core deposits | 104.5075% | 1,586 |
| Total domestic deposits to total assets | 89.8403% | 996 |
| Equity capital to assets | 10.0142% | 4,012 |
| Core capital (leverage) ratio | 8.2542% | 5,847 |
| Tier 1 risk-based capital ratio | 11.5847% | 5,683 |
| Total risk-based capital ratio | 12.5776% | 5,900 |
| Memoranda: |
| Average total assets | $26,108,000 | 7,466 |
| Average earning assets | $23,558,330 | 7,449 |
| Average equity | $2,504,330 | 7,549 |
| Average total loans | $20,557,000 | 7,037 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5237% | 2,478 |
| Cost of funding earning assets | 1.3223% | 4,675 |
| Net interest margin | 4.2014% | 2,032 |
| Noninterest income to average assets | 0.4234% | 4,712 |
| Noninterest expense to average assets | 4.0529% | 954 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1664% | 5,801 |
| Return on assets (ROA) | 0.1664% | 5,930 |
| Pretax return on assets | 0.1664% | 5,979 |
| Return on Equity (ROE) | 1.7717% | 5,850 |
| Retained earnings to average equity (ytd only) | 1.7717% | 5,050 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0573% | 1,018 |
| Assets per employee ($millions) | 2.4102% | 7,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8956% | 6,852 |
| Loan loss allowance to noncurrent loans | 26.9795% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 4.6847% | 1,414 |
| Noncurrent loans to loans | 3.3194% | 2,409 |
| Net loans and leases to total assets | 76.8030% | 1,367 |
| Net loans and leases to deposits | 85.0081% | 2,763 |
| Net loans and leases to core deposits | 104.3991% | 1,705 |
| Total domestic deposits to total assets | 90.3478% | 806 |
| Equity capital to assets | 9.4825% | 4,558 |
| Core capital (leverage) ratio | 8.1290% | 6,025 |
| Tier 1 risk-based capital ratio | 10.9933% | 6,161 |
| Total risk-based capital ratio | 11.9497% | 6,431 |
| Memoranda: |
| Average total assets | $26,450,000 | 7,544 |
| Average earning assets | $23,897,000 | 7,535 |
| Average equity | $2,483,500 | 7,639 |
| Average total loans | $20,727,500 | 7,110 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6870% | 3,171 |
| Cost of funding earning assets | 1.5769% | 5,145 |
| Net interest margin | 4.1101% | 2,409 |
| Noninterest income to average assets | 0.4604% | 4,714 |
| Noninterest expense to average assets | 4.1091% | 1,213 |
| Loan and lease loss provision to assets | 0.6906% | 3,065 |
| Net operating income to assets | -0.6292% | 6,296 |
| Return on assets (ROA) | -0.6292% | 6,294 |
| Pretax return on assets | -0.6292% | 6,123 |
| Return on Equity (ROE) | -6.7246% | 6,364 |
| Retained earnings to average equity (ytd only) | -6.7246% | 6,214 |
| Net charge-offs to loans | 1.1381% | 2,149 |
| Credit loss provision to net charge-offs | 73.1707% | 6,427 |
| Earnings coverage of net charge-offs (x) | 0.0650% | 6,098 |
| Efficiency ratio | 98.5281% | 1,181 |
| Assets per employee ($millions) | 2.3989% | 7,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8800% | 6,891 |
| Loan loss allowance to noncurrent loans | 15.5143% | 7,233 |
| Noncurrent assets plus other real estate owned to assets | 6.0103% | 940 |
| Noncurrent loans to loans | 5.6722% | 1,125 |
| Net loans and leases to total assets | 78.5395% | 1,275 |
| Net loans and leases to deposits | 86.7409% | 2,788 |
| Net loans and leases to core deposits | 127.0615% | 1,448 |
| Total domestic deposits to total assets | 90.5449% | 722 |
| Equity capital to assets | 9.2959% | 4,701 |
| Core capital (leverage) ratio | 7.9947% | 6,205 |
| Tier 1 risk-based capital ratio | 10.6353% | 6,265 |
| Total risk-based capital ratio | 11.5932% | 6,518 |
| Memoranda: |
| Average total assets | $26,064,000 | 7,606 |
| Average earning assets | $23,527,200 | 7,602 |
| Average equity | $2,438,800 | 7,747 |
| Average total loans | $21,614,800 | 7,109 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6570% | 3,535 |
| Cost of funding earning assets | 1.6374% | 5,219 |
| Net interest margin | 4.0196% | 2,727 |
| Noninterest income to average assets | 0.4926% | 4,549 |
| Noninterest expense to average assets | 4.1051% | 1,137 |
| Loan and lease loss provision to assets | 0.1539% | 5,811 |
| Net operating income to assets | -0.1386% | 5,965 |
| Return on assets (ROA) | -0.1386% | 5,984 |
| Pretax return on assets | -0.1386% | 5,895 |
| Return on Equity (ROE) | -1.4783% | 6,014 |
| Retained earnings to average equity (ytd only) | -1.4783% | 5,603 |
| Net charge-offs to loans | 0.2937% | 4,190 |
| Credit loss provision to net charge-offs | 62.5000% | 6,131 |
| Earnings coverage of net charge-offs (x) | 0.0625% | 5,982 |
| Efficiency ratio | 99.6264% | 1,077 |
| Assets per employee ($millions) | 2.5792% | 7,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0727% | 5,882 |
| Loan loss allowance to noncurrent loans | 20.8259% | 7,051 |
| Noncurrent assets plus other real estate owned to assets | 4.9007% | 1,201 |
| Noncurrent loans to loans | 5.1510% | 1,254 |
| Net loans and leases to total assets | 82.9521% | 672 |
| Net loans and leases to deposits | 95.4367% | 1,654 |
| Net loans and leases to core deposits | 146.3707% | 676 |
| Total domestic deposits to total assets | 86.9184% | 2,218 |
| Equity capital to assets | 9.4448% | 4,818 |
| Core capital (leverage) ratio | 8.0520% | 6,270 |
| Tier 1 risk-based capital ratio | 10.5222% | 6,443 |
| Total risk-based capital ratio | 11.7206% | 6,455 |
| Memoranda: |
| Average total assets | $25,983,000 | 7,681 |
| Average earning assets | $23,451,250 | 7,677 |
| Average equity | $2,435,250 | 7,823 |
| Average total loans | $21,791,250 | 7,158 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5711% | 4,210 |
| Cost of funding earning assets | 1.7458% | 5,040 |
| Net interest margin | 3.8253% | 3,438 |
| Noninterest income to average assets | 0.4837% | 4,596 |
| Noninterest expense to average assets | 4.2002% | 1,072 |
| Loan and lease loss provision to assets | 0.2304% | 4,741 |
| Net operating income to assets | -0.5145% | 6,562 |
| Return on assets (ROA) | -0.5145% | 6,572 |
| Pretax return on assets | -0.5145% | 6,442 |
| Return on Equity (ROE) | -5.5031% | 6,661 |
| Retained earnings to average equity (ytd only) | -5.5031% | 6,379 |
| Net charge-offs to loans | 0.4303% | 3,083 |
| Credit loss provision to net charge-offs | 63.8298% | 5,528 |
| Earnings coverage of net charge-offs (x) | -0.7872% | 6,172 |
| Efficiency ratio | 107.2549% | 934 |
| Assets per employee ($millions) | 2.2950% | 7,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0699% | 5,786 |
| Loan loss allowance to noncurrent loans | 33.0966% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 3.3828% | 1,851 |
| Noncurrent loans to loans | 3.2326% | 2,200 |
| Net loans and leases to total assets | 85.3436% | 458 |
| Net loans and leases to deposits | 98.6357% | 1,439 |
| Net loans and leases to core deposits | 147.5483% | 718 |
| Total domestic deposits to total assets | 86.5241% | 2,502 |
| Equity capital to assets | 9.4949% | 4,613 |
| Core capital (leverage) ratio | 8.0770% | 6,206 |
| Tier 1 risk-based capital ratio | 10.2921% | 6,603 |
| Total risk-based capital ratio | 11.4923% | 6,586 |
| Memoranda: |
| Average total assets | $26,046,670 | 7,754 |
| Average earning assets | $23,370,670 | 7,751 |
| Average equity | $2,435,000 | 7,894 |
| Average total loans | $21,846,000 | 7,222 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7080% | 3,761 |
| Cost of funding earning assets | 1.9254% | 4,509 |
| Net interest margin | 3.7826% | 3,523 |
| Noninterest income to average assets | 0.4386% | 4,886 |
| Noninterest expense to average assets | 4.0987% | 1,065 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.3025% | 6,680 |
| Return on assets (ROA) | -0.3025% | 6,756 |
| Pretax return on assets | -0.3025% | 6,677 |
| Return on Equity (ROE) | -3.2600% | 6,802 |
| Retained earnings to average equity (ytd only) | -3.2600% | 6,320 |
| Net charge-offs to loans | 0.2742% | 3,028 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -1.3333% | 5,412 |
| Efficiency ratio | 107.9681% | 861 |
| Assets per employee ($millions) | 2.1033% | 7,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0857% | 5,571 |
| Loan loss allowance to noncurrent loans | 53.2880% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 2.0286% | 2,848 |
| Noncurrent loans to loans | 2.0373% | 3,215 |
| Net loans and leases to total assets | 84.8330% | 573 |
| Net loans and leases to deposits | 98.0447% | 1,661 |
| Net loans and leases to core deposits | 152.3372% | 639 |
| Total domestic deposits to total assets | 86.5248% | 2,431 |
| Equity capital to assets | 9.6834% | 4,406 |
| Core capital (leverage) ratio | 7.6816% | 6,912 |
| Tier 1 risk-based capital ratio | 10.7107% | 6,177 |
| Total risk-based capital ratio | 11.9415% | 6,106 |
| Memoranda: |
| Average total assets | $26,447,500 | 7,782 |
| Average earning assets | $23,476,000 | 7,787 |
| Average equity | $2,454,000 | 7,942 |
| Average total loans | $21,880,000 | 7,255 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6132% | 2,425 |
| Cost of funding earning assets | 2.4679% | 4,375 |
| Net interest margin | 4.1453% | 2,521 |
| Noninterest income to average assets | 0.5758% | 4,041 |
| Noninterest expense to average assets | 4.1463% | 1,208 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0966% | 6,118 |
| Return on assets (ROA) | 0.0966% | 5,966 |
| Pretax return on assets | 0.0966% | 5,951 |
| Return on Equity (ROE) | 1.0164% | 5,911 |
| Retained earnings to average equity (ytd only) | 1.0164% | 4,617 |
| Net charge-offs to loans | 0.1093% | 5,188 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 1.0870% | 5,581 |
| Efficiency ratio | 97.7231% | 1,071 |
| Assets per employee ($millions) | 2.3047% | 7,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1305% | 5,053 |
| Loan loss allowance to noncurrent loans | 40.1929% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 2.5058% | 1,935 |
| Noncurrent loans to loans | 2.8127% | 1,930 |
| Net loans and leases to total assets | 79.0570% | 1,876 |
| Net loans and leases to deposits | 93.7162% | 2,819 |
| Net loans and leases to core deposits | 151.9811% | 782 |
| Total domestic deposits to total assets | 84.3578% | 3,150 |
| Equity capital to assets | 8.9095% | 5,487 |
| Core capital (leverage) ratio | 7.9268% | 6,607 |
| Tier 1 risk-based capital ratio | 10.4425% | 6,271 |
| Total risk-based capital ratio | 11.7067% | 6,131 |
| Memoranda: |
| Average total assets | $25,878,400 | 7,809 |
| Average earning assets | $22,893,600 | 7,826 |
| Average equity | $2,459,600 | 8,003 |
| Average total loans | $21,036,200 | 7,259 |
