Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8450% | 778 |
| Cost of funding earning assets | 1.6556% | 1,553 |
| Net interest margin | 4.1894% | 951 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.7737% | 1,568 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0256% | 2,132 |
| Return on assets (ROA) | 1.0256% | 2,115 |
| Pretax return on assets | 1.3323% | 1,788 |
| Return on Equity (ROE) | 10.0800% | 2,477 |
| Retained earnings to average equity (ytd only) | 10.0844% | 1,002 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.2172% | 2,206 |
| Assets per employee ($millions) | 5.4995% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7946% | 3,975 |
| Loan loss allowance to noncurrent loans | 128.4810% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 1,170 |
| Noncurrent loans to loans | 0.6184% | 1,278 |
| Net loans and leases to total assets | 76.8100% | 1,000 |
| Net loans and leases to deposits | 100.5554% | 508 |
| Net loans and leases to core deposits | 107.2393% | 1,061 |
| Total domestic deposits to total assets | 76.3900% | 3,905 |
| Equity capital to assets | 9.4251% | 2,401 |
| Core capital (leverage) ratio | 9.8881% | 2,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $29,347,600 | 4,468 |
| Average earning assets | $27,784,600 | 4,431 |
| Average equity | $2,984,800 | 4,430 |
| Average total loans | $23,104,400 | 4,250 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7202% | 764 |
| Cost of funding earning assets | 1.4164% | 1,816 |
| Net interest margin | 4.3038% | 802 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.7196% | 1,606 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.3316% | 1,467 |
| Return on assets (ROA) | 1.3316% | 1,450 |
| Pretax return on assets | 1.4958% | 1,566 |
| Return on Equity (ROE) | 12.8200% | 1,938 |
| Retained earnings to average equity (ytd only) | 12.8206% | 844 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.1593% | 2,478 |
| Assets per employee ($millions) | 4.9230% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 3,947 |
| Loan loss allowance to noncurrent loans | 93.0556% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.7313% | 772 |
| Noncurrent loans to loans | 0.8805% | 939 |
| Net loans and leases to total assets | 82.3700% | 411 |
| Net loans and leases to deposits | 116.1218% | 108 |
| Net loans and leases to core deposits | 125.4822% | 425 |
| Total domestic deposits to total assets | 70.9400% | 4,294 |
| Equity capital to assets | 10.4713% | 1,566 |
| Core capital (leverage) ratio | 10.7500% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $28,435,250 | 4,500 |
| Average earning assets | $26,921,250 | 4,460 |
| Average equity | $2,953,500 | 4,450 |
| Average total loans | $22,493,250 | 4,279 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5653% | 762 |
| Cost of funding earning assets | 1.2033% | 1,982 |
| Net interest margin | 4.3620% | 738 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.7505% | 1,527 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.3610% | 1,418 |
| Return on assets (ROA) | 1.3610% | 1,400 |
| Pretax return on assets | 1.5391% | 1,520 |
| Return on Equity (ROE) | 13.1400% | 1,872 |
| Retained earnings to average equity (ytd only) | 13.1407% | 787 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.8017% | 2,511 |
| Assets per employee ($millions) | 4.6982% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 3,812 |
| Loan loss allowance to noncurrent loans | 95.6731% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.7379% | 691 |
| Noncurrent loans to loans | 0.9315% | 823 |
| Net loans and leases to total assets | 78.5100% | 783 |
| Net loans and leases to deposits | 102.1982% | 426 |
| Net loans and leases to core deposits | 110.1105% | 823 |
| Total domestic deposits to total assets | 76.8200% | 3,970 |
| Equity capital to assets | 10.6389% | 1,533 |
| Core capital (leverage) ratio | 10.9882% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $28,067,667 | 4,527 |
| Average earning assets | $26,593,333 | 4,490 |
| Average equity | $2,907,000 | 4,482 |
| Average total loans | $21,813,667 | 4,307 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4588% | 657 |
| Cost of funding earning assets | 1.0706% | 1,836 |
| Net interest margin | 4.3881% | 698 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.5851% | 1,996 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.4996% | 1,186 |
| Return on assets (ROA) | 1.4996% | 1,166 |
| Pretax return on assets | 1.7281% | 1,220 |
| Return on Equity (ROE) | 14.6800% | 1,628 |
| Retained earnings to average equity (ytd only) | 14.6802% | 849 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.5395% | 3,010 |
| Assets per employee ($millions) | 4.5387% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 3,452 |
| Loan loss allowance to noncurrent loans | 84.6154% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.8593% | 537 |
| Noncurrent loans to loans | 1.2021% | 575 |
| Net loans and leases to total assets | 70.7500% | 1,549 |
| Net loans and leases to deposits | 83.5922% | 1,528 |
| Net loans and leases to core deposits | 91.7262% | 1,518 |
| Total domestic deposits to total assets | 84.6400% | 2,942 |
| Equity capital to assets | 10.6970% | 1,459 |
| Core capital (leverage) ratio | 10.5326% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $28,007,000 | 4,588 |
| Average earning assets | $26,526,000 | 4,555 |
| Average equity | $2,861,000 | 4,549 |
| Average total loans | $21,556,000 | 4,367 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6060% | 608 |
| Cost of funding earning assets | 0.7441% | 483 |
| Net interest margin | 3.8618% | 1,045 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.8332% | 1,253 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.7345% | 3,523 |
| Return on assets (ROA) | 0.7345% | 3,464 |
| Pretax return on assets | 0.9661% | 3,172 |
| Return on Equity (ROE) | 7.5500% | 3,506 |
| Retained earnings to average equity (ytd only) | 7.5538% | 2,005 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.1477% | 1,206 |
| Assets per employee ($millions) | 4.7970% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 3,955 |
| Loan loss allowance to noncurrent loans | 83.1224% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.8234% | 569 |
| Noncurrent loans to loans | 1.0023% | 731 |
| Net loans and leases to total assets | 81.4700% | 455 |
| Net loans and leases to deposits | 103.2723% | 327 |
| Net loans and leases to core deposits | 110.5616% | 591 |
| Total domestic deposits to total assets | 78.8900% | 4,014 |
| Equity capital to assets | 9.7596% | 1,850 |
| Core capital (leverage) ratio | 9.9177% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $27,637,000 | 4,621 |
| Average earning assets | $26,205,200 | 4,589 |
| Average equity | $2,687,400 | 4,636 |
| Average total loans | $21,566,000 | 4,387 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3596% | 639 |
| Cost of funding earning assets | 0.6838% | 292 |
| Net interest margin | 3.6759% | 1,203 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.7348% | 1,386 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.6971% | 3,576 |
| Return on assets (ROA) | 0.6971% | 3,536 |
| Pretax return on assets | 0.8872% | 3,352 |
| Return on Equity (ROE) | 7.1800% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.1758% | 2,310 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.0000% | 1,174 |
| Assets per employee ($millions) | 5.0203% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 4,124 |
| Loan loss allowance to noncurrent loans | 77.6892% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.8333% | 599 |
| Noncurrent loans to loans | 1.0099% | 759 |
| Net loans and leases to total assets | 81.8600% | 387 |
| Net loans and leases to deposits | 118.5424% | 60 |
| Net loans and leases to core deposits | 126.0763% | 179 |
| Total domestic deposits to total assets | 69.0600% | 4,548 |
| Equity capital to assets | 9.1262% | 2,129 |
| Core capital (leverage) ratio | 9.5138% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $27,350,750 | 4,659 |
| Average earning assets | $25,934,250 | 4,625 |
| Average equity | $2,657,000 | 4,675 |
| Average total loans | $21,046,000 | 4,429 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1385% | 717 |
| Cost of funding earning assets | 0.6884% | 169 |
| Net interest margin | 3.4501% | 1,453 |
| Noninterest income to average assets | 0.1665% | 4,179 |
| Noninterest expense to average assets | 2.8077% | 1,164 |
| Loan and lease loss provision to assets | 0.0227% | 2,189 |
| Net operating income to assets | 0.4314% | 4,050 |
| Return on assets (ROA) | 0.4314% | 4,001 |
| Pretax return on assets | 0.5979% | 3,821 |
| Return on Equity (ROE) | 4.3407% | 3,952 |
| Retained earnings to average equity (ytd only) | 4.3407% | 2,952 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8985% | 807 |
| Assets per employee ($millions) | 4.4620% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 3,854 |
| Loan loss allowance to noncurrent loans | 74.2308% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.9712% | 495 |
| Noncurrent loans to loans | 1.2579% | 628 |
| Net loans and leases to total assets | 76.4829% | 683 |
| Net loans and leases to deposits | 94.4509% | 498 |
| Net loans and leases to core deposits | 100.1957% | 665 |
| Total domestic deposits to total assets | 80.9764% | 4,134 |
| Equity capital to assets | 9.9432% | 1,742 |
| Core capital (leverage) ratio | 10.1075% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,427,000 | 4,708 |
| Average earning assets | $24,984,667 | 4,685 |
| Average equity | $2,626,333 | 4,711 |
| Average total loans | $19,777,000 | 4,507 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7894% | 1,100 |
| Cost of funding earning assets | 0.7035% | 149 |
| Net interest margin | 3.0859% | 2,218 |
| Noninterest income to average assets | 0.1676% | 4,163 |
| Noninterest expense to average assets | 2.7881% | 1,185 |
| Loan and lease loss provision to assets | 0.0305% | 1,818 |
| Net operating income to assets | 0.0914% | 4,478 |
| Return on assets (ROA) | 0.0914% | 4,450 |
| Pretax return on assets | 0.2895% | 4,199 |
| Return on Equity (ROE) | 0.9201% | 4,439 |
| Retained earnings to average equity (ytd only) | 0.9201% | 3,843 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7059% | 562 |
| Assets per employee ($millions) | 3.8306% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,516 |
| Loan loss allowance to noncurrent loans | 73.5632% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.9734% | 526 |
| Noncurrent loans to loans | 1.4315% | 589 |
| Net loans and leases to total assets | 67.2783% | 1,283 |
| Net loans and leases to deposits | 82.1643% | 1,001 |
| Net loans and leases to core deposits | 90.6077% | 895 |
| Total domestic deposits to total assets | 81.8826% | 4,089 |
| Equity capital to assets | 9.7375% | 2,097 |
| Core capital (leverage) ratio | 9.5894% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,254,500 | 4,733 |
| Average earning assets | $25,017,000 | 4,707 |
| Average equity | $2,608,500 | 4,737 |
| Average total loans | $19,331,000 | 4,532 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 1,052 |
| Cost of funding earning assets | 0.8989% | 116 |
| Net interest margin | 3.2689% | 2,413 |
| Noninterest income to average assets | 1.0824% | 877 |
| Noninterest expense to average assets | 3.0184% | 950 |
| Loan and lease loss provision to assets | 0.1601% | 738 |
| Net operating income to assets | 0.7546% | 3,477 |
| Return on assets (ROA) | 0.7546% | 3,538 |
| Pretax return on assets | 0.9947% | 3,272 |
| Return on Equity (ROE) | 7.8033% | 3,281 |
| Retained earnings to average equity (ytd only) | 7.8033% | 1,616 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3288% | 1,475 |
| Assets per employee ($millions) | 3.6707% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 3,981 |
| Loan loss allowance to noncurrent loans | 68.9531% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.0780% | 489 |
| Noncurrent loans to loans | 1.3558% | 688 |
| Net loans and leases to total assets | 78.7663% | 336 |
| Net loans and leases to deposits | 98.9440% | 220 |
| Net loans and leases to core deposits | 109.9229% | 285 |
| Total domestic deposits to total assets | 79.6069% | 4,254 |
| Equity capital to assets | 10.1421% | 2,528 |
| Core capital (leverage) ratio | 9.5619% | 2,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,238,800 | 4,768 |
| Average earning assets | $24,809,400 | 4,749 |
| Average equity | $2,537,400 | 4,784 |
| Average total loans | $18,991,000 | 4,587 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 1,302 |
| Cost of funding earning assets | 0.9221% | 126 |
| Net interest margin | 3.1791% | 2,795 |
| Noninterest income to average assets | 1.3295% | 669 |
| Noninterest expense to average assets | 2.8714% | 1,187 |
| Loan and lease loss provision to assets | 0.2085% | 478 |
| Net operating income to assets | 0.9908% | 2,947 |
| Return on assets (ROA) | 0.9908% | 3,027 |
| Pretax return on assets | 1.2486% | 2,777 |
| Return on Equity (ROE) | 10.3691% | 2,603 |
| Retained earnings to average equity (ytd only) | 10.3691% | 1,204 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3551% | 2,054 |
| Assets per employee ($millions) | 3.9134% | 4,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 4,018 |
| Loan loss allowance to noncurrent loans | 66.0839% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 621 |
| Noncurrent loans to loans | 1.4321% | 740 |
| Net loans and leases to total assets | 72.2129% | 854 |
| Net loans and leases to deposits | 91.1697% | 538 |
| Net loans and leases to core deposits | 100.6308% | 567 |
| Total domestic deposits to total assets | 79.2071% | 4,325 |
| Equity capital to assets | 9.5021% | 3,368 |
| Core capital (leverage) ratio | 9.8023% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,374,750 | 4,839 |
| Average earning assets | $24,870,250 | 4,818 |
| Average equity | $2,520,250 | 4,857 |
| Average total loans | $18,631,250 | 4,658 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 1,511 |
| Cost of funding earning assets | 0.9595% | 131 |
| Net interest margin | 3.0655% | 3,130 |
| Noninterest income to average assets | 1.9282% | 351 |
| Noninterest expense to average assets | 2.9883% | 1,006 |
| Loan and lease loss provision to assets | 0.2996% | 283 |
| Net operating income to assets | 1.2522% | 2,016 |
| Return on assets (ROA) | 1.2522% | 2,082 |
| Pretax return on assets | 1.5364% | 1,911 |
| Return on Equity (ROE) | 13.0784% | 1,686 |
| Retained earnings to average equity (ytd only) | 13.0784% | 705 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9427% | 2,734 |
| Assets per employee ($millions) | 3.6967% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 3,691 |
| Loan loss allowance to noncurrent loans | 63.7288% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.1400% | 623 |
| Noncurrent loans to loans | 1.6266% | 672 |
| Net loans and leases to total assets | 69.3589% | 1,280 |
| Net loans and leases to deposits | 85.2313% | 966 |
| Net loans and leases to core deposits | 94.3539% | 891 |
| Total domestic deposits to total assets | 81.3773% | 4,032 |
| Equity capital to assets | 9.9316% | 2,911 |
| Core capital (leverage) ratio | 9.7637% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,035,000 | 4,875 |
| Average earning assets | $24,596,000 | 4,854 |
| Average equity | $2,492,667 | 4,892 |
| Average total loans | $18,184,667 | 4,695 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 1,651 |
| Cost of funding earning assets | 0.9895% | 142 |
| Net interest margin | 2.9846% | 3,299 |
| Noninterest income to average assets | 2.2363% | 312 |
| Noninterest expense to average assets | 3.0022% | 989 |
| Loan and lease loss provision to assets | 0.3370% | 252 |
| Net operating income to assets | 1.4398% | 1,468 |
| Return on assets (ROA) | 1.4398% | 1,541 |
| Pretax return on assets | 1.7156% | 1,455 |
| Return on Equity (ROE) | 15.3219% | 1,151 |
| Retained earnings to average equity (ytd only) | 15.3219% | 595 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3939% | 3,099 |
| Assets per employee ($millions) | 3.7531% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 3,956 |
| Loan loss allowance to noncurrent loans | 56.4784% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.1457% | 668 |
| Noncurrent loans to loans | 1.7222% | 698 |
| Net loans and leases to total assets | 65.8800% | 1,811 |
| Net loans and leases to deposits | 79.3763% | 1,584 |
| Net loans and leases to core deposits | 87.5379% | 1,408 |
| Total domestic deposits to total assets | 82.9971% | 3,688 |
| Equity capital to assets | 9.5196% | 3,180 |
| Core capital (leverage) ratio | 9.5846% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,114,000 | 4,901 |
| Average earning assets | $24,660,000 | 4,880 |
| Average equity | $2,454,000 | 4,925 |
| Average total loans | $18,209,000 | 4,727 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1500% | 370 |
| Cost of funding earning assets | 1.2417% | 233 |
| Net interest margin | 3.9082% | 1,192 |
| Noninterest income to average assets | 0.3221% | 3,532 |
| Noninterest expense to average assets | 3.0292% | 1,377 |
| Loan and lease loss provision to assets | 0.0245% | 4,091 |
| Net operating income to assets | 0.7012% | 3,429 |
| Return on assets (ROA) | 0.7012% | 3,562 |
| Pretax return on assets | 0.9255% | 3,297 |
| Return on Equity (ROE) | 7.3542% | 3,047 |
| Retained earnings to average equity (ytd only) | 7.3542% | 1,254 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1270% | 1,212 |
| Assets per employee ($millions) | 3.7080% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7814% | 4,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 72.3994% | 1,242 |
| Net loans and leases to deposits | 90.8397% | 862 |
| Net loans and leases to core deposits | 98.1152% | 1,001 |
| Total domestic deposits to total assets | 79.7003% | 4,101 |
| Equity capital to assets | 9.2734% | 3,820 |
| Core capital (leverage) ratio | 9.1417% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,528,000 | 4,920 |
| Average earning assets | $22,951,600 | 4,900 |
| Average equity | $2,338,800 | 4,948 |
| Average total loans | $20,082,800 | 4,712 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3323% | 328 |
| Cost of funding earning assets | 1.2814% | 265 |
| Net interest margin | 4.0509% | 1,005 |
| Noninterest income to average assets | 0.3806% | 3,182 |
| Noninterest expense to average assets | 2.9787% | 1,491 |
| Loan and lease loss provision to assets | 0.0290% | 3,969 |
| Net operating income to assets | 1.0205% | 2,257 |
| Return on assets (ROA) | 1.0205% | 2,387 |
| Pretax return on assets | 1.1584% | 2,532 |
| Return on Equity (ROE) | 10.6239% | 1,811 |
| Retained earnings to average equity (ytd only) | 10.6239% | 651 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5232% | 1,695 |
| Assets per employee ($millions) | 3.6499% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 4,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 83.8115% | 296 |
| Net loans and leases to deposits | 106.3260% | 314 |
| Net loans and leases to core deposits | 115.0742% | 521 |
| Total domestic deposits to total assets | 78.8250% | 4,080 |
| Equity capital to assets | 9.4720% | 3,701 |
| Core capital (leverage) ratio | 9.7373% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,171,000 | 4,951 |
| Average earning assets | $22,578,750 | 4,934 |
| Average equity | $2,321,750 | 4,978 |
| Average total loans | $20,368,500 | 4,739 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2927% | 487 |
| Cost of funding earning assets | 1.3367% | 308 |
| Net interest margin | 3.9560% | 1,429 |
| Noninterest income to average assets | 0.4555% | 2,784 |
| Noninterest expense to average assets | 3.0112% | 1,548 |
| Loan and lease loss provision to assets | 0.0253% | 3,939 |
| Net operating income to assets | 0.9700% | 2,424 |
| Return on assets (ROA) | 0.9700% | 2,555 |
| Pretax return on assets | 1.1134% | 2,675 |
| Return on Equity (ROE) | 10.0481% | 1,964 |
| Retained earnings to average equity (ytd only) | 10.0481% | 780 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5610% | 1,614 |
| Assets per employee ($millions) | 3.5213% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6741% | 4,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 86.6769% | 109 |
| Net loans and leases to deposits | 107.7897% | 274 |
| Net loans and leases to core deposits | 116.7933% | 505 |
| Total domestic deposits to total assets | 80.4130% | 3,749 |
| Equity capital to assets | 9.5339% | 3,633 |
| Core capital (leverage) ratio | 9.7494% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,711,667 | 4,984 |
| Average earning assets | $22,143,667 | 4,968 |
| Average equity | $2,289,000 | 5,011 |
| Average total loans | $19,971,333 | 4,774 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2660% | 590 |
| Cost of funding earning assets | 1.4092% | 378 |
| Net interest margin | 3.8568% | 1,803 |
| Noninterest income to average assets | 0.3442% | 3,459 |
| Noninterest expense to average assets | 2.9428% | 2,025 |
| Loan and lease loss provision to assets | 0.0344% | 3,338 |
| Net operating income to assets | 0.8088% | 2,877 |
| Return on assets (ROA) | 0.8088% | 2,963 |
| Pretax return on assets | 0.9465% | 3,010 |
| Return on Equity (ROE) | 8.3241% | 2,374 |
| Retained earnings to average equity (ytd only) | 8.3241% | 1,134 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 1,686 |
| Assets per employee ($millions) | 3.3231% | 4,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 4,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 81.7600% | 460 |
| Net loans and leases to deposits | 103.1231% | 403 |
| Net loans and leases to core deposits | 112.4121% | 736 |
| Total domestic deposits to total assets | 79.2838% | 4,000 |
| Equity capital to assets | 9.8100% | 3,953 |
| Core capital (leverage) ratio | 9.8375% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,243,000 | 5,033 |
| Average earning assets | $21,572,500 | 5,017 |
| Average equity | $2,258,500 | 5,056 |
| Average total loans | $19,202,000 | 4,822 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4470% | 613 |
| Cost of funding earning assets | 1.2941% | 777 |
| Net interest margin | 4.1529% | 1,419 |
| Noninterest income to average assets | 0.3211% | 3,768 |
| Noninterest expense to average assets | 3.1666% | 1,601 |
| Loan and lease loss provision to assets | 0.0268% | 3,473 |
| Net operating income to assets | 0.7671% | 3,652 |
| Return on assets (ROA) | 0.7671% | 3,735 |
| Pretax return on assets | 0.9634% | 3,564 |
| Return on Equity (ROE) | 7.9681% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.9681% | 988 |
| Net charge-offs to loans | -0.0106% | 4,483 |
| Credit loss provision to net charge-offs | -300.0000% | 4,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1803% | 1,344 |
| Assets per employee ($millions) | 3.3177% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7380% | 4,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 82.2382% | 529 |
| Net loans and leases to deposits | 102.2704% | 458 |
| Net loans and leases to core deposits | 111.3385% | 781 |
| Total domestic deposits to total assets | 80.4125% | 3,895 |
| Equity capital to assets | 9.6237% | 4,247 |
| Core capital (leverage) ratio | 9.5619% | 3,998 |
| Tier 1 risk-based capital ratio | 14.1707% | 3,179 |
| Total risk-based capital ratio | 15.0710% | 3,264 |
| Memoranda: | ||
| Average total assets | $22,421,200 | 5,096 |
| Average earning assets | $20,708,600 | 5,082 |
| Average equity | $2,158,600 | 5,124 |
| Average total loans | $18,801,400 | 4,888 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3985% | 698 |
| Cost of funding earning assets | 1.2443% | 928 |
| Net interest margin | 4.1542% | 1,490 |
| Noninterest income to average assets | 0.3240% | 3,806 |
| Noninterest expense to average assets | 3.0362% | 1,866 |
| Loan and lease loss provision to assets | 0.0300% | 3,300 |
| Net operating income to assets | 0.9540% | 3,151 |
| Return on assets (ROA) | 0.9540% | 3,229 |
| Pretax return on assets | 1.1040% | 3,285 |
| Return on Equity (ROE) | 9.9084% | 2,472 |
| Retained earnings to average equity (ytd only) | 9.9084% | 774 |
| Net charge-offs to loans | -0.0143% | 4,485 |
| Credit loss provision to net charge-offs | -250.0000% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8058% | 1,726 |
| Assets per employee ($millions) | 3.9207% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6988% | 4,657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 85.1768% | 239 |
| Net loans and leases to deposits | 110.5307% | 213 |
| Net loans and leases to core deposits | 120.6394% | 516 |
| Total domestic deposits to total assets | 77.0617% | 4,509 |
| Equity capital to assets | 9.4457% | 4,500 |
| Core capital (leverage) ratio | 9.5120% | 4,154 |
| Tier 1 risk-based capital ratio | 13.3952% | 3,637 |
| Total risk-based capital ratio | 14.2452% | 3,752 |
| Memoranda: | ||
| Average total assets | $22,220,500 | 5,175 |
| Average earning assets | $20,573,250 | 5,161 |
| Average equity | $2,139,500 | 5,204 |
| Average total loans | $18,691,500 | 4,969 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3200% | 782 |
| Cost of funding earning assets | 1.1591% | 1,110 |
| Net interest margin | 4.1609% | 1,457 |
| Noninterest income to average assets | 0.3397% | 3,659 |
| Noninterest expense to average assets | 3.2039% | 1,498 |
| Loan and lease loss provision to assets | 0.0275% | 3,269 |
| Net operating income to assets | 0.8079% | 3,623 |
| Return on assets (ROA) | 0.8079% | 3,682 |
| Pretax return on assets | 0.9639% | 3,671 |
| Return on Equity (ROE) | 8.3333% | 3,141 |
| Retained earnings to average equity (ytd only) | 8.3333% | 1,267 |
| Net charge-offs to loans | -0.0220% | 4,569 |
| Credit loss provision to net charge-offs | -150.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3676% | 1,348 |
| Assets per employee ($millions) | 4.7148% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7093% | 4,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 82.5401% | 535 |
| Net loans and leases to deposits | 107.6932% | 282 |
| Net loans and leases to core deposits | 117.5639% | 623 |
| Total domestic deposits to total assets | 76.6438% | 4,602 |
| Equity capital to assets | 9.1245% | 4,718 |
| Core capital (leverage) ratio | 9.8188% | 3,803 |
| Tier 1 risk-based capital ratio | 13.7383% | 3,460 |
| Total risk-based capital ratio | 14.6260% | 3,545 |
| Memoranda: | ||
| Average total assets | $21,786,000 | 5,228 |
| Average earning assets | $20,188,000 | 5,211 |
| Average equity | $2,112,000 | 5,249 |
| Average total loans | $18,196,000 | 5,018 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3013% | 757 |
| Cost of funding earning assets | 1.1018% | 1,179 |
| Net interest margin | 4.1995% | 1,303 |
| Noninterest income to average assets | 0.3446% | 3,556 |
| Noninterest expense to average assets | 3.3314% | 1,225 |
| Loan and lease loss provision to assets | 0.0383% | 2,860 |
| Net operating income to assets | 0.6893% | 3,974 |
| Return on assets (ROA) | 0.6893% | 4,011 |
| Pretax return on assets | 0.8424% | 3,939 |
| Return on Equity (ROE) | 6.8817% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.8817% | 2,087 |
| Net charge-offs to loans | -0.0229% | 4,537 |
| Credit loss provision to net charge-offs | -200.0000% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0909% | 1,152 |
| Assets per employee ($millions) | 3.5010% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 4,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 84.9900% | 280 |
| Net loans and leases to deposits | 112.1983% | 175 |
| Net loans and leases to core deposits | 123.9964% | 425 |
| Total domestic deposits to total assets | 75.7498% | 4,791 |
| Equity capital to assets | 9.9924% | 3,839 |
| Core capital (leverage) ratio | 10.0407% | 3,562 |
| Tier 1 risk-based capital ratio | 14.5643% | 3,078 |
| Total risk-based capital ratio | 15.5148% | 3,141 |
| Memoranda: | ||
| Average total assets | $20,892,000 | 5,288 |
| Average earning assets | $19,240,500 | 5,276 |
| Average equity | $2,092,500 | 5,305 |
| Average total loans | $17,495,500 | 5,094 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6877% | 1,864 |
| Cost of funding earning assets | 0.8473% | 1,321 |
| Net interest margin | 3.8404% | 2,535 |
| Noninterest income to average assets | 0.4672% | 3,009 |
| Noninterest expense to average assets | 3.0092% | 2,025 |
| Loan and lease loss provision to assets | 0.0257% | 3,658 |
| Net operating income to assets | 0.8659% | 3,551 |
| Return on assets (ROA) | 0.8659% | 3,547 |
| Pretax return on assets | 1.0073% | 3,570 |
| Return on Equity (ROE) | 10.1856% | 2,450 |
| Retained earnings to average equity (ytd only) | 10.1856% | 591 |
| Net charge-offs to loans | -0.0103% | 4,498 |
| Credit loss provision to net charge-offs | -300.0000% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4433% | 1,565 |
| Assets per employee ($millions) | 3.4630% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7882% | 4,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 81.1772% | 785 |
| Net loans and leases to deposits | 103.5293% | 508 |
| Net loans and leases to core deposits | 116.0680% | 683 |
| Total domestic deposits to total assets | 78.4099% | 4,421 |
| Equity capital to assets | 10.0395% | 3,646 |
| Core capital (leverage) ratio | 9.5904% | 4,013 |
| Tier 1 risk-based capital ratio | 15.1061% | 2,783 |
| Total risk-based capital ratio | 16.0765% | 2,841 |
| Memoranda: | ||
| Average total assets | $23,328,600 | 5,313 |
| Average earning assets | $21,716,600 | 5,296 |
| Average equity | $1,983,200 | 5,356 |
| Average total loans | $19,324,000 | 5,092 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5176% | 2,242 |
| Cost of funding earning assets | 0.7857% | 1,403 |
| Net interest margin | 3.7319% | 2,891 |
| Noninterest income to average assets | 0.4173% | 3,374 |
| Noninterest expense to average assets | 2.9040% | 2,293 |
| Loan and lease loss provision to assets | 0.0222% | 3,575 |
| Net operating income to assets | 0.8345% | 3,800 |
| Return on assets (ROA) | 0.8345% | 3,806 |
| Pretax return on assets | 0.9792% | 3,779 |
| Return on Equity (ROE) | 10.2171% | 2,520 |
| Retained earnings to average equity (ytd only) | 10.2171% | 852 |
| Net charge-offs to loans | -0.0134% | 4,477 |
| Credit loss provision to net charge-offs | -200.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3590% | 1,536 |
| Assets per employee ($millions) | 3.7297% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6923% | 4,888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 84.6099% | 386 |
| Net loans and leases to deposits | 115.1563% | 161 |
| Net loans and leases to core deposits | 128.9431% | 352 |
| Total domestic deposits to total assets | 73.4739% | 5,023 |
| Equity capital to assets | 9.0848% | 4,472 |
| Core capital (leverage) ratio | 9.2806% | 4,422 |
| Tier 1 risk-based capital ratio | 13.1765% | 3,799 |
| Total risk-based capital ratio | 14.0320% | 3,936 |
| Memoranda: | ||
| Average total assets | $23,966,250 | 5,377 |
| Average earning assets | $22,400,750 | 5,364 |
| Average equity | $1,957,500 | 5,428 |
| Average total loans | $19,904,750 | 5,141 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 2,530 |
| Cost of funding earning assets | 0.7432% | 1,412 |
| Net interest margin | 3.6200% | 3,236 |
| Noninterest income to average assets | 0.4491% | 3,158 |
| Noninterest expense to average assets | 2.8087% | 2,634 |
| Loan and lease loss provision to assets | 0.0245% | 3,427 |
| Net operating income to assets | 0.8573% | 3,644 |
| Return on assets (ROA) | 0.8573% | 3,639 |
| Pretax return on assets | 0.9961% | 3,675 |
| Return on Equity (ROE) | 10.8677% | 2,169 |
| Retained earnings to average equity (ytd only) | 10.8677% | 696 |
| Net charge-offs to loans | -0.0099% | 4,316 |
| Credit loss provision to net charge-offs | -300.0000% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3475% | 1,796 |
| Assets per employee ($millions) | 3.5768% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7458% | 4,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 80.6113% | 927 |
| Net loans and leases to deposits | 104.3300% | 512 |
| Net loans and leases to core deposits | 116.6790% | 682 |
| Total domestic deposits to total assets | 77.2657% | 4,698 |
| Equity capital to assets | 9.2633% | 4,321 |
| Core capital (leverage) ratio | 9.3774% | 4,271 |
| Tier 1 risk-based capital ratio | 14.1454% | 3,289 |
| Total risk-based capital ratio | 15.0704% | 3,365 |
| Memoranda: | ||
| Average total assets | $24,495,670 | 5,435 |
| Average earning assets | $22,872,670 | 5,420 |
| Average equity | $1,932,330 | 5,493 |
| Average total loans | $20,184,330 | 5,192 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9671% | 3,729 |
| Cost of funding earning assets | 0.6639% | 1,635 |
| Net interest margin | 3.3032% | 4,182 |
| Noninterest income to average assets | 0.3690% | 3,666 |
| Noninterest expense to average assets | 2.4757% | 3,727 |
| Loan and lease loss provision to assets | 0.0308% | 3,102 |
| Net operating income to assets | 0.8611% | 3,455 |
| Return on assets (ROA) | 0.8611% | 3,468 |
| Pretax return on assets | 0.9995% | 3,533 |
| Return on Equity (ROE) | 11.7616% | 1,665 |
| Retained earnings to average equity (ytd only) | 11.7616% | 725 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6140% | 2,400 |
| Assets per employee ($millions) | 4.3562% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5979% | 5,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 81.4171% | 736 |
| Net loans and leases to deposits | 126.6441% | 55 |
| Net loans and leases to core deposits | 141.3953% | 199 |
| Total domestic deposits to total assets | 64.2882% | 5,483 |
| Equity capital to assets | 7.4186% | 5,445 |
| Core capital (leverage) ratio | 7.3830% | 5,519 |
| Tier 1 risk-based capital ratio | 10.7710% | 5,257 |
| Total risk-based capital ratio | 11.4821% | 5,359 |
| Memoranda: | ||
| Average total assets | $26,013,000 | 5,479 |
| Average earning assets | $24,703,000 | 5,455 |
| Average equity | $1,904,500 | 5,554 |
| Average total loans | $21,561,500 | 5,217 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4542% | 285 |
| Cost of funding earning assets | 0.8261% | 538 |
| Net interest margin | 4.6282% | 471 |
| Noninterest income to average assets | 0.4238% | 3,483 |
| Noninterest expense to average assets | 3.6761% | 819 |
| Loan and lease loss provision to assets | 0.0306% | 3,663 |
| Net operating income to assets | 0.8169% | 3,085 |
| Return on assets (ROA) | 0.8169% | 3,130 |
| Pretax return on assets | 1.0365% | 3,428 |
| Return on Equity (ROE) | 8.9546% | 2,339 |
| Retained earnings to average equity (ytd only) | 8.9546% | 521 |
| Net charge-offs to loans | -0.0183% | 4,932 |
| Credit loss provision to net charge-offs | -200.0000% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5027% | 1,425 |
| Assets per employee ($millions) | 3.4295% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 4,911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 79.1029% | 1,098 |
| Net loans and leases to deposits | 96.9042% | 1,000 |
| Net loans and leases to core deposits | 108.1744% | 1,113 |
| Total domestic deposits to total assets | 81.6300% | 3,962 |
| Equity capital to assets | 9.0878% | 4,632 |
| Core capital (leverage) ratio | 9.2041% | 4,391 |
| Tier 1 risk-based capital ratio | 14.3990% | 3,140 |
| Total risk-based capital ratio | 15.3692% | 3,199 |
| Memoranda: | ||
| Average total assets | $19,586,000 | 5,608 |
| Average earning assets | $18,279,400 | 5,593 |
| Average equity | $1,786,800 | 5,623 |
| Average total loans | $16,418,400 | 5,411 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4674% | 266 |
| Cost of funding earning assets | 0.7758% | 666 |
| Net interest margin | 4.6916% | 413 |
| Noninterest income to average assets | 0.4206% | 3,558 |
| Noninterest expense to average assets | 3.6680% | 796 |
| Loan and lease loss provision to assets | 0.0345% | 3,430 |
| Net operating income to assets | 0.8343% | 3,363 |
| Return on assets (ROA) | 0.8343% | 3,402 |
| Pretax return on assets | 1.0963% | 3,315 |
| Return on Equity (ROE) | 9.1353% | 2,530 |
| Retained earnings to average equity (ytd only) | 9.1353% | 803 |
| Net charge-offs to loans | -0.0163% | 4,775 |
| Credit loss provision to net charge-offs | -250.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4368% | 1,526 |
| Assets per employee ($millions) | 3.2708% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7430% | 5,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 84.4076% | 397 |
| Net loans and leases to deposits | 104.2742% | 487 |
| Net loans and leases to core deposits | 107.6768% | 1,154 |
| Total domestic deposits to total assets | 80.9478% | 4,060 |
| Equity capital to assets | 9.3350% | 4,618 |
| Core capital (leverage) ratio | 9.1857% | 4,530 |
| Tier 1 risk-based capital ratio | 14.7149% | 3,054 |
| Total risk-based capital ratio | 15.7108% | 3,118 |
| Memoranda: | ||
| Average total assets | $19,338,250 | 5,674 |
| Average earning assets | $18,046,000 | 5,658 |
| Average equity | $1,766,000 | 5,691 |
| Average total loans | $16,422,250 | 5,470 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3486% | 304 |
| Cost of funding earning assets | 0.7131% | 832 |
| Net interest margin | 4.6354% | 448 |
| Noninterest income to average assets | 0.4261% | 3,516 |
| Noninterest expense to average assets | 3.7313% | 744 |
| Loan and lease loss provision to assets | 0.0312% | 3,378 |
| Net operating income to assets | 0.7275% | 3,722 |
| Return on assets (ROA) | 0.7275% | 3,786 |
| Pretax return on assets | 0.9874% | 3,614 |
| Return on Equity (ROE) | 8.0275% | 3,014 |
| Retained earnings to average equity (ytd only) | 8.0275% | 1,151 |
| Net charge-offs to loans | -0.0122% | 4,601 |
| Credit loss provision to net charge-offs | -300.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5558% | 1,389 |
| Assets per employee ($millions) | 3.2752% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7209% | 5,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 84.7998% | 362 |
| Net loans and leases to deposits | 104.3587% | 473 |
| Net loans and leases to core deposits | 119.2500% | 585 |
| Total domestic deposits to total assets | 81.2580% | 4,118 |
| Equity capital to assets | 9.0581% | 4,846 |
| Core capital (leverage) ratio | 9.2099% | 4,475 |
| Tier 1 risk-based capital ratio | 14.4668% | 3,188 |
| Total risk-based capital ratio | 15.4503% | 3,229 |
| Memoranda: | ||
| Average total assets | $19,242,670 | 5,722 |
| Average earning assets | $17,948,670 | 5,709 |
| Average equity | $1,744,000 | 5,745 |
| Average total loans | $16,333,330 | 5,519 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2061% | 375 |
| Cost of funding earning assets | 0.6987% | 849 |
| Net interest margin | 4.5074% | 517 |
| Noninterest income to average assets | 0.4412% | 3,368 |
| Noninterest expense to average assets | 3.7188% | 756 |
| Loan and lease loss provision to assets | 0.0420% | 2,961 |
| Net operating income to assets | 0.6303% | 4,015 |
| Return on assets (ROA) | 0.6303% | 4,062 |
| Pretax return on assets | 0.8824% | 3,828 |
| Return on Equity (ROE) | 6.9525% | 3,422 |
| Retained earnings to average equity (ytd only) | 6.9525% | 1,868 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0905% | 1,375 |
| Assets per employee ($millions) | 3.1457% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7390% | 5,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 84.6879% | 313 |
| Net loans and leases to deposits | 104.8957% | 365 |
| Net loans and leases to core deposits | 106.6382% | 1,056 |
| Total domestic deposits to total assets | 80.7354% | 4,472 |
| Equity capital to assets | 9.2243% | 4,593 |
| Core capital (leverage) ratio | 9.0658% | 4,661 |
| Tier 1 risk-based capital ratio | 14.4746% | 3,217 |
| Total risk-based capital ratio | 15.4639% | 3,274 |
| Memoranda: | ||
| Average total assets | $19,038,500 | 5,791 |
| Average earning assets | $17,748,500 | 5,777 |
| Average equity | $1,726,000 | 5,811 |
| Average total loans | $16,107,500 | 5,589 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3493% | 326 |
| Cost of funding earning assets | 0.6840% | 892 |
| Net interest margin | 4.6652% | 443 |
| Noninterest income to average assets | 0.3213% | 4,443 |
| Noninterest expense to average assets | 3.7413% | 834 |
| Loan and lease loss provision to assets | 0.0653% | 3,062 |
| Net operating income to assets | 0.5936% | 4,239 |
| Return on assets (ROA) | 0.5936% | 4,345 |
| Pretax return on assets | 0.8604% | 3,972 |
| Return on Equity (ROE) | 6.5861% | 3,695 |
| Retained earnings to average equity (ytd only) | 6.5861% | 1,414 |
| Net charge-offs to loans | -0.0129% | 5,004 |
| Credit loss provision to net charge-offs | -600.0000% | 5,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1634% | 1,401 |
| Assets per employee ($millions) | 3.2005% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7262% | 5,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 83.2943% | 452 |
| Net loans and leases to deposits | 102.5058% | 500 |
| Net loans and leases to core deposits | 104.1680% | 1,267 |
| Total domestic deposits to total assets | 81.2581% | 4,269 |
| Equity capital to assets | 8.9101% | 4,898 |
| Core capital (leverage) ratio | 9.1679% | 4,527 |
| Tier 1 risk-based capital ratio | 14.0615% | 3,432 |
| Total risk-based capital ratio | 15.0230% | 3,502 |
| Memoranda: | ||
| Average total assets | $18,362,800 | 5,853 |
| Average earning assets | $17,105,200 | 5,838 |
| Average equity | $1,655,000 | 5,879 |
| Average total loans | $15,503,200 | 5,651 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3546% | 330 |
| Cost of funding earning assets | 0.6841% | 884 |
| Net interest margin | 4.6705% | 451 |
| Noninterest income to average assets | 0.3085% | 4,566 |
| Noninterest expense to average assets | 3.6577% | 910 |
| Loan and lease loss provision to assets | 0.0661% | 2,903 |
| Net operating income to assets | 0.6977% | 3,861 |
| Return on assets (ROA) | 0.6977% | 3,989 |
| Pretax return on assets | 0.9475% | 3,821 |
| Return on Equity (ROE) | 7.7185% | 3,171 |
| Retained earnings to average equity (ytd only) | 7.7185% | 1,302 |
| Net charge-offs to loans | -0.0087% | 4,735 |
| Credit loss provision to net charge-offs | -900.0000% | 5,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3019% | 1,647 |
| Assets per employee ($millions) | 3.1155% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6868% | 5,450 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 87.4124% | 173 |
| Net loans and leases to deposits | 114.7311% | 174 |
| Net loans and leases to core deposits | 116.7727% | 625 |
| Total domestic deposits to total assets | 76.1889% | 5,214 |
| Equity capital to assets | 9.0729% | 5,102 |
| Core capital (leverage) ratio | 9.2551% | 4,525 |
| Tier 1 risk-based capital ratio | 14.2234% | 3,448 |
| Total risk-based capital ratio | 15.1711% | 3,523 |
| Memoranda: | ||
| Average total assets | $18,152,750 | 5,919 |
| Average earning assets | $16,957,000 | 5,904 |
| Average equity | $1,641,000 | 5,947 |
| Average total loans | $15,351,000 | 5,715 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3170% | 346 |
| Cost of funding earning assets | 0.6826% | 874 |
| Net interest margin | 4.6345% | 480 |
| Noninterest income to average assets | 0.3116% | 4,549 |
| Noninterest expense to average assets | 3.7835% | 791 |
| Loan and lease loss provision to assets | 0.0668% | 2,806 |
| Net operating income to assets | 0.6232% | 4,174 |
| Return on assets (ROA) | 0.6232% | 4,305 |
| Pretax return on assets | 0.7678% | 4,399 |
| Return on Equity (ROE) | 6.9022% | 3,604 |
| Retained earnings to average equity (ytd only) | 6.9022% | 1,657 |
| Net charge-offs to loans | -0.0133% | 4,790 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9277% | 1,280 |
| Assets per employee ($millions) | 3.0370% | 5,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7214% | 5,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 83.0754% | 508 |
| Net loans and leases to deposits | 101.3321% | 608 |
| Net loans and leases to core deposits | 103.0497% | 1,399 |
| Total domestic deposits to total assets | 81.9833% | 4,004 |
| Equity capital to assets | 9.0385% | 5,210 |
| Core capital (leverage) ratio | 9.0025% | 4,827 |
| Tier 1 risk-based capital ratio | 15.1825% | 2,991 |
| Total risk-based capital ratio | 16.1965% | 3,042 |
| Memoranda: | ||
| Average total assets | $17,972,670 | 5,997 |
| Average earning assets | $16,701,000 | 5,983 |
| Average equity | $1,622,670 | 6,023 |
| Average total loans | $14,983,670 | 5,792 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3894% | 298 |
| Cost of funding earning assets | 0.6584% | 1,002 |
| Net interest margin | 4.7310% | 406 |
| Noninterest income to average assets | 0.3138% | 4,485 |
| Noninterest expense to average assets | 3.6979% | 897 |
| Loan and lease loss provision to assets | 0.0672% | 2,618 |
| Net operating income to assets | 0.8516% | 2,988 |
| Return on assets (ROA) | 0.8516% | 3,115 |
| Pretax return on assets | 0.8965% | 3,853 |
| Return on Equity (ROE) | 9.4381% | 2,219 |
| Retained earnings to average equity (ytd only) | 9.4381% | 990 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3269% | 1,693 |
| Assets per employee ($millions) | 3.0435% | 5,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6669% | 5,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 86.4630% | 194 |
| Net loans and leases to deposits | 107.0513% | 306 |
| Net loans and leases to core deposits | 108.8897% | 920 |
| Total domestic deposits to total assets | 80.7678% | 4,562 |
| Equity capital to assets | 8.9207% | 5,250 |
| Core capital (leverage) ratio | 9.0833% | 4,753 |
| Tier 1 risk-based capital ratio | 14.4249% | 3,434 |
| Total risk-based capital ratio | 15.3635% | 3,541 |
| Memoranda: | ||
| Average total assets | $17,848,000 | 6,058 |
| Average earning assets | $16,402,500 | 6,047 |
| Average equity | $1,610,500 | 6,081 |
| Average total loans | $14,851,500 | 5,853 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4521% | 289 |
| Cost of funding earning assets | 0.6453% | 1,097 |
| Net interest margin | 4.8068% | 365 |
| Noninterest income to average assets | 0.4363% | 3,775 |
| Noninterest expense to average assets | 3.8704% | 789 |
| Loan and lease loss provision to assets | 0.0671% | 2,950 |
| Net operating income to assets | 0.6600% | 3,994 |
| Return on assets (ROA) | 0.6600% | 4,081 |
| Pretax return on assets | 0.9564% | 3,624 |
| Return on Equity (ROE) | 7.6395% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.6395% | 1,049 |
| Net charge-offs to loans | -0.0199% | 5,264 |
| Credit loss provision to net charge-offs | -400.0000% | 5,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0857% | 1,807 |
| Assets per employee ($millions) | 2.9058% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7459% | 5,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 78.6063% | 1,045 |
| Net loans and leases to deposits | 94.7590% | 1,133 |
| Net loans and leases to core deposits | 96.4190% | 1,804 |
| Total domestic deposits to total assets | 82.9538% | 3,846 |
| Equity capital to assets | 9.1311% | 4,987 |
| Core capital (leverage) ratio | 8.7449% | 5,172 |
| Tier 1 risk-based capital ratio | 15.4834% | 2,939 |
| Total risk-based capital ratio | 16.4851% | 2,999 |
| Memoranda: | ||
| Average total assets | $17,879,400 | 6,116 |
| Average earning assets | $16,580,800 | 6,100 |
| Average equity | $1,544,600 | 6,145 |
| Average total loans | $15,057,400 | 5,893 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3843% | 330 |
| Cost of funding earning assets | 0.6344% | 1,181 |
| Net interest margin | 4.7499% | 419 |
| Noninterest income to average assets | 0.4298% | 3,867 |
| Noninterest expense to average assets | 3.5796% | 1,154 |
| Loan and lease loss provision to assets | 0.0667% | 2,847 |
| Net operating income to assets | 0.9412% | 2,755 |
| Return on assets (ROA) | 0.9412% | 2,857 |
| Pretax return on assets | 1.2229% | 2,719 |
| Return on Equity (ROE) | 11.0475% | 1,688 |
| Retained earnings to average equity (ytd only) | 11.0475% | 468 |
| Net charge-offs to loans | -0.0174% | 5,154 |
| Credit loss provision to net charge-offs | -450.0000% | 5,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5160% | 2,633 |
| Assets per employee ($millions) | 3.1368% | 5,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6086% | 5,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 85.8987% | 236 |
| Net loans and leases to deposits | 108.5398% | 288 |
| Net loans and leases to core deposits | 110.3851% | 859 |
| Total domestic deposits to total assets | 79.1403% | 4,944 |
| Equity capital to assets | 8.5065% | 5,706 |
| Core capital (leverage) ratio | 8.5429% | 5,519 |
| Tier 1 risk-based capital ratio | 13.6437% | 4,055 |
| Total risk-based capital ratio | 14.4879% | 4,213 |
| Memoranda: | ||
| Average total assets | $17,990,500 | 6,203 |
| Average earning assets | $16,814,000 | 6,185 |
| Average equity | $1,532,750 | 6,232 |
| Average total loans | $15,369,750 | 5,960 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2781% | 374 |
| Cost of funding earning assets | 0.6146% | 1,314 |
| Net interest margin | 4.6635% | 468 |
| Noninterest income to average assets | 0.4065% | 4,038 |
| Noninterest expense to average assets | 3.5792% | 1,169 |
| Loan and lease loss provision to assets | 0.0677% | 2,766 |
| Net operating income to assets | 0.8355% | 3,192 |
| Return on assets (ROA) | 0.8355% | 3,311 |
| Pretax return on assets | 1.1291% | 3,054 |
| Return on Equity (ROE) | 9.8013% | 2,157 |
| Retained earnings to average equity (ytd only) | 9.8013% | 701 |
| Net charge-offs to loans | -0.0265% | 5,277 |
| Credit loss provision to net charge-offs | -300.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9409% | 2,546 |
| Assets per employee ($millions) | 3.7576% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5943% | 5,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 85.4694% | 264 |
| Net loans and leases to deposits | 113.6769% | 188 |
| Net loans and leases to core deposits | 115.7167% | 601 |
| Total domestic deposits to total assets | 75.1863% | 5,687 |
| Equity capital to assets | 8.2393% | 5,860 |
| Core capital (leverage) ratio | 8.6800% | 5,343 |
| Tier 1 risk-based capital ratio | 13.5587% | 4,188 |
| Total risk-based capital ratio | 14.3996% | 4,347 |
| Memoranda: | ||
| Average total assets | $17,713,670 | 6,282 |
| Average earning assets | $16,597,000 | 6,261 |
| Average equity | $1,510,000 | 6,309 |
| Average total loans | $15,071,000 | 6,031 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2105% | 399 |
| Cost of funding earning assets | 0.6233% | 1,282 |
| Net interest margin | 4.5872% | 515 |
| Noninterest income to average assets | 0.3726% | 4,225 |
| Noninterest expense to average assets | 3.4466% | 1,412 |
| Loan and lease loss provision to assets | 0.0699% | 2,539 |
| Net operating income to assets | 0.8384% | 3,068 |
| Return on assets (ROA) | 0.8384% | 3,195 |
| Pretax return on assets | 1.1411% | 2,901 |
| Return on Equity (ROE) | 9.6579% | 2,152 |
| Retained earnings to average equity (ytd only) | 9.6579% | 1,005 |
| Net charge-offs to loans | -0.0275% | 5,200 |
| Credit loss provision to net charge-offs | -300.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0000% | 2,817 |
| Assets per employee ($millions) | 4.2715% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6313% | 6,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 84.7595% | 264 |
| Net loans and leases to deposits | 102.1946% | 448 |
| Net loans and leases to core deposits | 102.1946% | 1,166 |
| Total domestic deposits to total assets | 82.9392% | 4,194 |
| Equity capital to assets | 8.8318% | 5,466 |
| Core capital (leverage) ratio | 8.6649% | 5,359 |
| Tier 1 risk-based capital ratio | 14.2668% | 3,845 |
| Total risk-based capital ratio | 15.1366% | 4,021 |
| Memoranda: | ||
| Average total assets | $17,176,500 | 6,354 |
| Average earning assets | $16,044,500 | 6,336 |
| Average equity | $1,491,000 | 6,378 |
| Average total loans | $14,529,500 | 6,097 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1222% | 604 |
| Cost of funding earning assets | 0.6629% | 1,316 |
| Net interest margin | 4.4593% | 801 |
| Noninterest income to average assets | 0.5569% | 3,135 |
| Noninterest expense to average assets | 3.7608% | 1,052 |
| Loan and lease loss provision to assets | 0.0230% | 4,147 |
| Net operating income to assets | 0.5627% | 4,543 |
| Return on assets (ROA) | 0.5627% | 4,636 |
| Pretax return on assets | 0.8670% | 4,013 |
| Return on Equity (ROE) | 6.7512% | 3,765 |
| Retained earnings to average equity (ytd only) | 5.2356% | 2,444 |
| Net charge-offs to loans | 0.0795% | 3,357 |
| Credit loss provision to net charge-offs | 36.3636% | 3,742 |
| Earnings coverage of net charge-offs (x) | 14.0909% | 2,195 |
| Efficiency ratio | 80.8642% | 1,794 |
| Assets per employee ($millions) | 3.4534% | 4,973 |
| Cash dividends to net income (ytd only)* | 22.4490% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6075% | 6,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 83.3787% | 390 |
| Net loans and leases to deposits | 100.0278% | 619 |
| Net loans and leases to core deposits | 100.0278% | 1,392 |
| Total domestic deposits to total assets | 83.3555% | 3,960 |
| Equity capital to assets | 8.5307% | 5,721 |
| Core capital (leverage) ratio | 8.4684% | 5,585 |
| Tier 1 risk-based capital ratio | 13.7676% | 4,255 |
| Total risk-based capital ratio | 14.5901% | 4,446 |
| Memoranda: | ||
| Average total assets | $17,416,400 | 6,441 |
| Average earning assets | $15,989,200 | 6,422 |
| Average equity | $1,451,600 | 6,466 |
| Average total loans | $13,842,200 | 6,197 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0680% | 688 |
| Cost of funding earning assets | 0.6418% | 1,515 |
| Net interest margin | 4.4261% | 855 |
| Noninterest income to average assets | 0.5653% | 3,097 |
| Noninterest expense to average assets | 3.5292% | 1,414 |
| Loan and lease loss provision to assets | 0.0076% | 4,265 |
| Net operating income to assets | 0.7792% | 3,517 |
| Return on assets (ROA) | 0.7792% | 3,623 |
| Pretax return on assets | 1.0848% | 3,246 |
| Return on Equity (ROE) | 9.4036% | 2,496 |
| Retained earnings to average equity (ytd only) | 9.4036% | 869 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3636% | 2,432 |
| Assets per employee ($millions) | 3.3392% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6484% | 6,169 |
| Loan loss allowance to noncurrent loans | 384.0000% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 5,586 |
| Noncurrent loans to loans | 0.1689% | 5,406 |
| Net loans and leases to total assets | 88.0989% | 108 |
| Net loans and leases to deposits | 106.4866% | 310 |
| Net loans and leases to core deposits | 106.4866% | 927 |
| Total domestic deposits to total assets | 82.7324% | 4,226 |
| Equity capital to assets | 8.9782% | 5,377 |
| Core capital (leverage) ratio | 8.6398% | 5,509 |
| Tier 1 risk-based capital ratio | 13.7599% | 4,381 |
| Total risk-based capital ratio | 14.6411% | 4,547 |
| Memoranda: | ||
| Average total assets | $17,453,750 | 6,519 |
| Average earning assets | $15,995,500 | 6,501 |
| Average equity | $1,446,250 | 6,546 |
| Average total loans | $13,681,500 | 6,274 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8202% | 1,037 |
| Cost of funding earning assets | 0.6320% | 1,633 |
| Net interest margin | 4.1883% | 1,279 |
| Noninterest income to average assets | 0.5535% | 3,094 |
| Noninterest expense to average assets | 3.3321% | 1,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7342% | 3,653 |
| Return on assets (ROA) | 0.7342% | 3,747 |
| Pretax return on assets | 1.0392% | 3,328 |
| Return on Equity (ROE) | 9.0994% | 2,544 |
| Retained earnings to average equity (ytd only) | 9.0994% | 957 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2274% | 2,584 |
| Assets per employee ($millions) | 3.5922% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6909% | 6,188 |
| Loan loss allowance to noncurrent loans | 380.0000% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 5,735 |
| Noncurrent loans to loans | 0.1818% | 5,466 |
| Net loans and leases to total assets | 76.0314% | 1,159 |
| Net loans and leases to deposits | 91.9534% | 1,156 |
| Net loans and leases to core deposits | 91.9534% | 1,944 |
| Total domestic deposits to total assets | 82.6847% | 4,419 |
| Equity capital to assets | 8.1399% | 6,071 |
| Core capital (leverage) ratio | 8.3409% | 5,807 |
| Tier 1 risk-based capital ratio | 13.4946% | 4,586 |
| Total risk-based capital ratio | 14.3714% | 4,767 |
| Memoranda: | ||
| Average total assets | $17,706,330 | 6,581 |
| Average earning assets | $16,140,330 | 6,565 |
| Average equity | $1,428,670 | 6,609 |
| Average total loans | $13,307,000 | 6,345 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6851% | 1,295 |
| Cost of funding earning assets | 0.5793% | 2,158 |
| Net interest margin | 4.1058% | 1,443 |
| Noninterest income to average assets | 0.5461% | 3,075 |
| Noninterest expense to average assets | 3.2766% | 2,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6599% | 3,892 |
| Return on assets (ROA) | 0.6599% | 3,988 |
| Pretax return on assets | 0.9784% | 3,411 |
| Return on Equity (ROE) | 8.2153% | 2,834 |
| Retained earnings to average equity (ytd only) | 8.2153% | 1,529 |
| Net charge-offs to loans | 0.0306% | 2,973 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 839 |
| Efficiency ratio | 77.0053% | 2,649 |
| Assets per employee ($millions) | 3.5460% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7523% | 6,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 69.9436% | 1,896 |
| Net loans and leases to deposits | 84.7005% | 1,751 |
| Net loans and leases to core deposits | 84.7005% | 2,443 |
| Total domestic deposits to total assets | 82.5776% | 4,760 |
| Equity capital to assets | 8.0485% | 6,021 |
| Core capital (leverage) ratio | 8.1450% | 5,999 |
| Tier 1 risk-based capital ratio | 15.0973% | 3,657 |
| Total risk-based capital ratio | 16.0918% | 3,744 |
| Memoranda: | ||
| Average total assets | $17,579,000 | 6,657 |
| Average earning assets | $15,880,000 | 6,641 |
| Average equity | $1,412,000 | 6,675 |
| Average total loans | $13,085,000 | 6,418 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2935% | 534 |
| Cost of funding earning assets | 0.7571% | 1,461 |
| Net interest margin | 4.5364% | 685 |
| Noninterest income to average assets | 0.5040% | 3,726 |
| Noninterest expense to average assets | 3.8794% | 1,018 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4336% | 5,020 |
| Return on assets (ROA) | 0.4336% | 5,142 |
| Pretax return on assets | 0.7325% | 4,406 |
| Return on Equity (ROE) | 5.3577% | 4,468 |
| Retained earnings to average equity (ytd only) | 5.3577% | 2,378 |
| Net charge-offs to loans | -0.0156% | 6,098 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1169% | 1,615 |
| Assets per employee ($millions) | 3.4856% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6947% | 6,351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 77.9206% | 835 |
| Net loans and leases to deposits | 94.4302% | 846 |
| Net loans and leases to core deposits | 94.4302% | 1,568 |
| Total domestic deposits to total assets | 82.5166% | 4,705 |
| Equity capital to assets | 8.0158% | 6,006 |
| Core capital (leverage) ratio | 8.4040% | 5,776 |
| Tier 1 risk-based capital ratio | 13.8619% | 4,390 |
| Total risk-based capital ratio | 14.8045% | 4,561 |
| Memoranda: | ||
| Average total assets | $17,064,600 | 6,740 |
| Average earning assets | $15,452,800 | 6,727 |
| Average equity | $1,381,200 | 6,769 |
| Average total loans | $12,782,200 | 6,493 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 513 |
| Cost of funding earning assets | 0.7514% | 1,601 |
| Net interest margin | 4.5690% | 657 |
| Noninterest income to average assets | 0.5420% | 3,508 |
| Noninterest expense to average assets | 3.5976% | 1,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8169% | 3,264 |
| Return on assets (ROA) | 0.8169% | 3,391 |
| Pretax return on assets | 1.0997% | 3,110 |
| Return on Equity (ROE) | 10.0679% | 2,151 |
| Retained earnings to average equity (ytd only) | 10.0679% | 776 |
| Net charge-offs to loans | -0.0213% | 6,056 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5886% | 2,633 |
| Assets per employee ($millions) | 3.2144% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7095% | 6,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 82.7215% | 313 |
| Net loans and leases to deposits | 102.3007% | 363 |
| Net loans and leases to core deposits | 102.3007% | 975 |
| Total domestic deposits to total assets | 80.8611% | 5,252 |
| Equity capital to assets | 8.8788% | 5,320 |
| Core capital (leverage) ratio | 8.6490% | 5,601 |
| Tier 1 risk-based capital ratio | 14.6705% | 3,968 |
| Total risk-based capital ratio | 15.6472% | 4,108 |
| Memoranda: | ||
| Average total assets | $16,973,750 | 6,819 |
| Average earning assets | $15,437,000 | 6,806 |
| Average equity | $1,377,250 | 6,848 |
| Average total loans | $12,559,000 | 6,563 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1147% | 755 |
| Cost of funding earning assets | 0.7507% | 1,701 |
| Net interest margin | 4.3641% | 912 |
| Noninterest income to average assets | 0.5673% | 3,401 |
| Noninterest expense to average assets | 3.4734% | 1,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8220% | 3,185 |
| Return on assets (ROA) | 0.8220% | 3,344 |
| Pretax return on assets | 1.0652% | 3,244 |
| Return on Equity (ROE) | 10.4360% | 2,030 |
| Retained earnings to average equity (ytd only) | 10.4360% | 757 |
| Net charge-offs to loans | -0.0163% | 5,896 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5306% | 2,705 |
| Assets per employee ($millions) | 3.5034% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7579% | 6,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 70.2689% | 1,837 |
| Net loans and leases to deposits | 86.4760% | 1,518 |
| Net loans and leases to core deposits | 86.4760% | 2,292 |
| Total domestic deposits to total assets | 81.2582% | 5,275 |
| Equity capital to assets | 7.9580% | 6,228 |
| Core capital (leverage) ratio | 8.1325% | 6,076 |
| Tier 1 risk-based capital ratio | 14.9107% | 3,838 |
| Total risk-based capital ratio | 15.9161% | 3,951 |
| Memoranda: | ||
| Average total assets | $17,274,330 | 6,864 |
| Average earning assets | $15,719,330 | 6,852 |
| Average equity | $1,360,670 | 6,897 |
| Average total loans | $12,282,000 | 6,619 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0019% | 882 |
| Cost of funding earning assets | 0.7439% | 1,897 |
| Net interest margin | 4.2580% | 1,053 |
| Noninterest income to average assets | 0.5130% | 3,687 |
| Noninterest expense to average assets | 3.1715% | 2,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9794% | 2,322 |
| Return on assets (ROA) | 0.9794% | 2,452 |
| Pretax return on assets | 1.2126% | 2,529 |
| Return on Equity (ROE) | 12.5000% | 1,293 |
| Retained earnings to average equity (ytd only) | 12.5000% | 627 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3404% | 3,559 |
| Assets per employee ($millions) | 3.5394% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7824% | 6,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 66.6384% | 2,254 |
| Net loans and leases to deposits | 81.7142% | 1,870 |
| Net loans and leases to core deposits | 81.7142% | 2,613 |
| Total domestic deposits to total assets | 81.5505% | 5,341 |
| Equity capital to assets | 7.7132% | 6,516 |
| Core capital (leverage) ratio | 7.6036% | 6,421 |
| Tier 1 risk-based capital ratio | 14.9262% | 3,893 |
| Total risk-based capital ratio | 15.9431% | 4,011 |
| Memoranda: | ||
| Average total assets | $17,153,000 | 6,940 |
| Average earning assets | $15,594,000 | 6,924 |
| Average equity | $1,344,000 | 6,968 |
| Average total loans | $12,221,500 | 6,688 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7720% | 386 |
| Cost of funding earning assets | 1.1611% | 695 |
| Net interest margin | 4.6109% | 767 |
| Noninterest income to average assets | 0.5735% | 3,426 |
| Noninterest expense to average assets | 3.8434% | 1,180 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7199% | 3,639 |
| Return on assets (ROA) | 0.7199% | 3,896 |
| Pretax return on assets | 0.9212% | 3,855 |
| Return on Equity (ROE) | 9.3163% | 2,475 |
| Retained earnings to average equity (ytd only) | 9.3163% | 742 |
| Net charge-offs to loans | -0.0161% | 6,523 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6658% | 2,057 |
| Assets per employee ($millions) | 3.3218% | 5,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7406% | 6,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 75.0437% | 1,040 |
| Net loans and leases to deposits | 93.1888% | 814 |
| Net loans and leases to core deposits | 93.1888% | 1,535 |
| Total domestic deposits to total assets | 80.5286% | 5,536 |
| Equity capital to assets | 7.9656% | 6,424 |
| Core capital (leverage) ratio | 8.0002% | 6,193 |
| Tier 1 risk-based capital ratio | 13.3677% | 4,841 |
| Total risk-based capital ratio | 14.3074% | 5,012 |
| Memoranda: | ||
| Average total assets | $16,391,800 | 7,002 |
| Average earning assets | $14,899,600 | 6,994 |
| Average equity | $1,266,600 | 7,045 |
| Average total loans | $12,431,600 | 6,759 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7331% | 436 |
| Cost of funding earning assets | 1.1840% | 742 |
| Net interest margin | 4.5491% | 903 |
| Noninterest income to average assets | 0.5549% | 3,574 |
| Noninterest expense to average assets | 3.6316% | 1,495 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8814% | 3,073 |
| Return on assets (ROA) | 0.8814% | 3,316 |
| Pretax return on assets | 1.0936% | 3,373 |
| Return on Equity (ROE) | 11.4970% | 1,794 |
| Retained earnings to average equity (ytd only) | 11.4970% | 612 |
| Net charge-offs to loans | -0.0215% | 6,515 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8566% | 2,541 |
| Assets per employee ($millions) | 3.1386% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6899% | 6,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 85.3056% | 171 |
| Net loans and leases to deposits | 107.3536% | 207 |
| Net loans and leases to core deposits | 107.3536% | 680 |
| Total domestic deposits to total assets | 79.4622% | 5,772 |
| Equity capital to assets | 8.3668% | 6,373 |
| Core capital (leverage) ratio | 8.3413% | 5,956 |
| Tier 1 risk-based capital ratio | 13.5124% | 4,872 |
| Total risk-based capital ratio | 14.4695% | 5,047 |
| Memoranda: | ||
| Average total assets | $16,337,500 | 7,099 |
| Average earning assets | $14,977,000 | 7,086 |
| Average equity | $1,252,500 | 7,142 |
| Average total loans | $12,400,250 | 6,852 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4480% | 800 |
| Cost of funding earning assets | 1.2471% | 660 |
| Net interest margin | 4.2009% | 1,749 |
| Noninterest income to average assets | 0.5558% | 3,551 |
| Noninterest expense to average assets | 3.5161% | 1,747 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6766% | 3,990 |
| Return on assets (ROA) | 0.6766% | 4,254 |
| Pretax return on assets | 0.9062% | 4,052 |
| Return on Equity (ROE) | 9.0885% | 2,779 |
| Retained earnings to average equity (ytd only) | 9.0885% | 1,244 |
| Net charge-offs to loans | -0.0166% | 6,390 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5082% | 2,264 |
| Assets per employee ($millions) | 3.1826% | 5,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7257% | 6,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 79.0863% | 608 |
| Net loans and leases to deposits | 98.6595% | 489 |
| Net loans and leases to core deposits | 98.6595% | 1,204 |
| Total domestic deposits to total assets | 80.1609% | 5,702 |
| Equity capital to assets | 7.9243% | 6,620 |
| Core capital (leverage) ratio | 7.8513% | 6,409 |
| Tier 1 risk-based capital ratio | 13.6339% | 4,714 |
| Total risk-based capital ratio | 14.6286% | 4,877 |
| Memoranda: | ||
| Average total assets | $16,552,330 | 7,160 |
| Average earning assets | $15,235,000 | 7,145 |
| Average equity | $1,232,330 | 7,201 |
| Average total loans | $12,040,330 | 6,924 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2158% | 1,279 |
| Cost of funding earning assets | 1.2910% | 652 |
| Net interest margin | 3.9247% | 2,826 |
| Noninterest income to average assets | 0.5690% | 3,433 |
| Noninterest expense to average assets | 3.3191% | 2,234 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6164% | 4,280 |
| Return on assets (ROA) | 0.6164% | 4,489 |
| Pretax return on assets | 0.8535% | 4,217 |
| Return on Equity (ROE) | 8.5386% | 3,038 |
| Retained earnings to average equity (ytd only) | 8.5386% | 1,766 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5455% | 2,259 |
| Assets per employee ($millions) | 3.3594% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8280% | 6,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 64.8925% | 2,673 |
| Net loans and leases to deposits | 82.7262% | 1,829 |
| Net loans and leases to core deposits | 82.7262% | 2,722 |
| Total domestic deposits to total assets | 78.4426% | 6,201 |
| Equity capital to assets | 7.3287% | 6,840 |
| Core capital (leverage) ratio | 7.2111% | 6,760 |
| Tier 1 risk-based capital ratio | 14.3641% | 4,198 |
| Total risk-based capital ratio | 15.4259% | 4,311 |
| Memoranda: | ||
| Average total assets | $16,872,000 | 7,219 |
| Average earning assets | $15,491,500 | 7,205 |
| Average equity | $1,218,000 | 7,258 |
| Average total loans | $11,722,000 | 6,997 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2222% | 286 |
| Cost of funding earning assets | 1.6778% | 350 |
| Net interest margin | 4.5444% | 1,034 |
| Noninterest income to average assets | 0.6430% | 2,930 |
| Noninterest expense to average assets | 3.8270% | 1,296 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6618% | 3,686 |
| Return on assets (ROA) | 0.6618% | 3,867 |
| Pretax return on assets | 0.9926% | 3,269 |
| Return on Equity (ROE) | 9.0816% | 2,410 |
| Retained earnings to average equity (ytd only) | 9.0816% | 781 |
| Net charge-offs to loans | -0.0081% | 6,871 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4041% | 2,385 |
| Assets per employee ($millions) | 3.3894% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7307% | 6,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 72.9451% | 1,466 |
| Net loans and leases to deposits | 100.0081% | 456 |
| Net loans and leases to core deposits | 102.5211% | 992 |
| Total domestic deposits to total assets | 72.9392% | 6,813 |
| Equity capital to assets | 7.1104% | 6,933 |
| Core capital (leverage) ratio | 7.4798% | 6,658 |
| Tier 1 risk-based capital ratio | 13.6544% | 4,586 |
| Total risk-based capital ratio | 14.6856% | 4,713 |
| Memoranda: | ||
| Average total assets | $16,017,800 | 7,273 |
| Average earning assets | $14,721,400 | 7,252 |
| Average equity | $1,167,200 | 7,319 |
| Average total loans | $12,371,800 | 7,017 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3016% | 265 |
| Cost of funding earning assets | 1.6188% | 538 |
| Net interest margin | 4.6827% | 792 |
| Noninterest income to average assets | 0.6757% | 2,739 |
| Noninterest expense to average assets | 3.6150% | 1,675 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0220% | 2,244 |
| Return on assets (ROA) | 1.0220% | 2,405 |
| Pretax return on assets | 1.3852% | 1,985 |
| Return on Equity (ROE) | 13.9348% | 1,050 |
| Retained earnings to average equity (ytd only) | 13.9348% | 296 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2973% | 3,495 |
| Assets per employee ($millions) | 3.1780% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6752% | 7,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 83.3166% | 268 |
| Net loans and leases to deposits | 117.4087% | 98 |
| Net loans and leases to core deposits | 120.6397% | 370 |
| Total domestic deposits to total assets | 70.9629% | 6,990 |
| Equity capital to assets | 7.6778% | 6,854 |
| Core capital (leverage) ratio | 7.7069% | 6,636 |
| Tier 1 risk-based capital ratio | 12.5825% | 5,421 |
| Total risk-based capital ratio | 13.5107% | 5,679 |
| Memoranda: | ||
| Average total assets | $15,785,500 | 7,353 |
| Average earning assets | $14,578,000 | 7,331 |
| Average equity | $1,157,750 | 7,395 |
| Average total loans | $12,351,500 | 7,085 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0927% | 393 |
| Cost of funding earning assets | 1.5882% | 733 |
| Net interest margin | 4.5045% | 1,124 |
| Noninterest income to average assets | 0.7111% | 2,490 |
| Noninterest expense to average assets | 3.5554% | 1,848 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9650% | 2,370 |
| Return on assets (ROA) | 0.9650% | 2,474 |
| Pretax return on assets | 1.3333% | 2,025 |
| Return on Equity (ROE) | 13.3685% | 1,121 |
| Retained earnings to average equity (ytd only) | 13.3685% | 367 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 3,594 |
| Assets per employee ($millions) | 3.1730% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7123% | 7,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 79.0797% | 640 |
| Net loans and leases to deposits | 108.6987% | 201 |
| Net loans and leases to core deposits | 111.6093% | 666 |
| Total domestic deposits to total assets | 72.7513% | 6,950 |
| Equity capital to assets | 7.4062% | 6,990 |
| Core capital (leverage) ratio | 7.3899% | 6,816 |
| Tier 1 risk-based capital ratio | 12.8979% | 4,999 |
| Total risk-based capital ratio | 13.8858% | 5,196 |
| Memoranda: | ||
| Average total assets | $15,750,670 | 7,427 |
| Average earning assets | $14,607,670 | 7,404 |
| Average equity | $1,137,000 | 7,473 |
| Average total loans | $12,025,670 | 7,169 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8834% | 620 |
| Cost of funding earning assets | 1.4846% | 1,233 |
| Net interest margin | 4.3988% | 1,280 |
| Noninterest income to average assets | 0.6627% | 2,771 |
| Noninterest expense to average assets | 3.7723% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9686% | 2,286 |
| Return on assets (ROA) | 0.9686% | 2,350 |
| Pretax return on assets | 0.9686% | 3,255 |
| Return on Equity (ROE) | 13.5957% | 1,065 |
| Retained earnings to average equity (ytd only) | 13.5957% | 514 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5699% | 2,608 |
| Assets per employee ($millions) | 3.2024% | 5,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 6,978 |
| Loan loss allowance to noncurrent loans | 9,000.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 7,185 |
| Noncurrent loans to loans | 0.0085% | 7,060 |
| Net loans and leases to total assets | 72.6705% | 1,576 |
| Net loans and leases to deposits | 99.4020% | 504 |
| Net loans and leases to core deposits | 102.0165% | 1,202 |
| Total domestic deposits to total assets | 73.1077% | 6,992 |
| Equity capital to assets | 7.1009% | 7,052 |
| Core capital (leverage) ratio | 7.0969% | 6,959 |
| Tier 1 risk-based capital ratio | 12.8431% | 4,950 |
| Total risk-based capital ratio | 13.8597% | 5,137 |
| Memoranda: | ||
| Average total assets | $15,693,500 | 7,487 |
| Average earning assets | $14,549,500 | 7,464 |
| Average equity | $1,118,000 | 7,531 |
| Average total loans | $11,720,500 | 7,238 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9037% | 163 |
| Cost of funding earning assets | 1.9888% | 636 |
| Net interest margin | 4.9149% | 527 |
| Noninterest income to average assets | 0.6463% | 3,174 |
| Noninterest expense to average assets | 3.9703% | 1,207 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8706% | 2,502 |
| Return on assets (ROA) | 0.8706% | 2,642 |
| Pretax return on assets | 1.2069% | 2,209 |
| Return on Equity (ROE) | 12.6558% | 1,175 |
| Retained earnings to average equity (ytd only) | 12.6558% | 232 |
| Net charge-offs to loans | -0.0255% | 7,388 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6879% | 2,931 |
| Assets per employee ($millions) | 3.0750% | 5,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 7,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 75.6098% | 1,348 |
| Net loans and leases to deposits | 104.8998% | 364 |
| Net loans and leases to core deposits | 104.8998% | 1,261 |
| Total domestic deposits to total assets | 72.0780% | 7,075 |
| Equity capital to assets | 7.1480% | 7,064 |
| Core capital (leverage) ratio | 6.6926% | 7,145 |
| Tier 1 risk-based capital ratio | 11.3851% | 6,007 |
| Total risk-based capital ratio | 12.3174% | 6,248 |
| Memoranda: | ||
| Average total assets | $15,162,600 | 7,569 |
| Average earning assets | $13,978,000 | 7,547 |
| Average equity | $1,043,000 | 7,629 |
| Average total loans | $11,769,000 | 7,315 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9223% | 162 |
| Cost of funding earning assets | 1.9504% | 880 |
| Net interest margin | 4.9718% | 466 |
| Noninterest income to average assets | 0.6177% | 3,335 |
| Noninterest expense to average assets | 3.8474% | 1,286 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1560% | 1,718 |
| Return on assets (ROA) | 1.1560% | 1,813 |
| Pretax return on assets | 1.3589% | 2,009 |
| Return on Equity (ROE) | 16.9738% | 589 |
| Retained earnings to average equity (ytd only) | 16.9738% | 136 |
| Net charge-offs to loans | -0.0339% | 7,421 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8983% | 3,342 |
| Assets per employee ($millions) | 3.2506% | 5,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6969% | 7,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 78.9085% | 898 |
| Net loans and leases to deposits | 113.5056% | 194 |
| Net loans and leases to core deposits | 118.8490% | 656 |
| Total domestic deposits to total assets | 69.5195% | 7,298 |
| Equity capital to assets | 6.7557% | 7,388 |
| Core capital (leverage) ratio | 6.9498% | 7,191 |
| Tier 1 risk-based capital ratio | 10.8380% | 6,516 |
| Total risk-based capital ratio | 11.7264% | 6,783 |
| Memoranda: | ||
| Average total assets | $15,109,500 | 7,666 |
| Average earning assets | $13,945,000 | 7,645 |
| Average equity | $1,029,000 | 7,730 |
| Average total loans | $11,782,500 | 7,412 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8576% | 188 |
| Cost of funding earning assets | 2.1044% | 646 |
| Net interest margin | 4.7533% | 718 |
| Noninterest income to average assets | 0.6518% | 3,002 |
| Noninterest expense to average assets | 3.8429% | 1,279 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0320% | 2,076 |
| Return on assets (ROA) | 1.0320% | 2,154 |
| Pretax return on assets | 1.1950% | 2,433 |
| Return on Equity (ROE) | 15.1093% | 839 |
| Retained earnings to average equity (ytd only) | 15.1093% | 235 |
| Net charge-offs to loans | 0.0701% | 5,438 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,151 |
| Efficiency ratio | 76.2803% | 3,022 |
| Assets per employee ($millions) | 3.0430% | 6,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6860% | 7,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 78.9813% | 960 |
| Net loans and leases to deposits | 104.9245% | 440 |
| Net loans and leases to core deposits | 109.7643% | 1,178 |
| Total domestic deposits to total assets | 75.2744% | 6,815 |
| Equity capital to assets | 6.8551% | 7,399 |
| Core capital (leverage) ratio | 7.0909% | 7,138 |
| Tier 1 risk-based capital ratio | 11.5121% | 5,761 |
| Total risk-based capital ratio | 12.4283% | 6,056 |
| Memoranda: | ||
| Average total assets | $14,728,330 | 7,735 |
| Average earning assets | $13,590,670 | 7,716 |
| Average equity | $1,006,000 | 7,798 |
| Average total loans | $11,405,000 | 7,482 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8950% | 198 |
| Cost of funding earning assets | 2.1679% | 652 |
| Net interest margin | 4.7271% | 739 |
| Noninterest income to average assets | 0.6351% | 3,042 |
| Noninterest expense to average assets | 3.7280% | 1,460 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1322% | 1,737 |
| Return on assets (ROA) | 1.1322% | 1,807 |
| Pretax return on assets | 1.2427% | 2,226 |
| Return on Equity (ROE) | 16.6076% | 642 |
| Retained earnings to average equity (ytd only) | 16.6076% | 303 |
| Net charge-offs to loans | -0.0362% | 7,252 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 3,403 |
| Assets per employee ($millions) | 2.9122% | 6,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 7,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 75.9701% | 1,550 |
| Net loans and leases to deposits | 95.4938% | 1,170 |
| Net loans and leases to core deposits | 99.8195% | 2,151 |
| Total domestic deposits to total assets | 79.5550% | 5,926 |
| Equity capital to assets | 6.9226% | 7,406 |
| Core capital (leverage) ratio | 7.0298% | 7,233 |
| Tier 1 risk-based capital ratio | 12.0358% | 5,165 |
| Total risk-based capital ratio | 13.0866% | 5,307 |
| Memoranda: | ||
| Average total assets | $14,485,000 | 7,842 |
| Average earning assets | $13,285,000 | 7,825 |
| Average equity | $987,500 | 7,893 |
| Average total loans | $11,057,500 | 7,591 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2209% | 200 |
| Cost of funding earning assets | 2.7283% | 546 |
| Net interest margin | 4.4927% | 1,194 |
| Noninterest income to average assets | 0.6890% | 3,042 |
| Noninterest expense to average assets | 3.9781% | 1,390 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6385% | 3,177 |
| Return on assets (ROA) | 0.6445% | 3,219 |
| Pretax return on assets | 0.7927% | 3,272 |
| Return on Equity (ROE) | 9.4299% | 1,875 |
| Retained earnings to average equity (ytd only) | 9.4299% | 439 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5148% | 2,414 |
| Assets per employee ($millions) | 2.8818% | 6,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 7,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 75.4945% | 1,921 |
| Net loans and leases to deposits | 96.2570% | 1,303 |
| Net loans and leases to core deposits | 122.6519% | 1,737 |
| Total domestic deposits to total assets | 78.4301% | 6,135 |
| Equity capital to assets | 6.7111% | 7,498 |
| Core capital (leverage) ratio | 6.6934% | 7,413 |
| Tier 1 risk-based capital ratio | 11.4006% | 5,509 |
| Total risk-based capital ratio | 12.4263% | 5,704 |
| Memoranda: | ||
| Average total assets | $13,498,800 | 7,926 |
| Average earning assets | $12,242,200 | 7,909 |
| Average equity | $922,600 | 7,986 |
| Average total loans | $10,018,400 | 7,707 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2308% | 220 |
| Cost of funding earning assets | 2.7240% | 735 |
| Net interest margin | 4.5068% | 1,179 |
| Noninterest income to average assets | 0.7133% | 2,930 |
| Noninterest expense to average assets | 3.8579% | 1,497 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7754% | 2,917 |
| Return on assets (ROA) | 0.7836% | 2,944 |
| Pretax return on assets | 0.9545% | 3,044 |
| Return on Equity (ROE) | 11.4098% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.4098% | 425 |
| Net charge-offs to loans | -0.0273% | 7,793 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3347% | 2,791 |
| Assets per employee ($millions) | 2.7782% | 6,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7770% | 7,188 |
| Loan loss allowance to noncurrent loans | 1,271.4286% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 7,438 |
| Noncurrent loans to loans | 0.0611% | 7,350 |
| Net loans and leases to total assets | 81.8156% | 843 |
| Net loans and leases to deposits | 107.0352% | 604 |
| Net loans and leases to core deposits | 140.5516% | 890 |
| Total domestic deposits to total assets | 76.4380% | 6,487 |
| Equity capital to assets | 6.8894% | 7,643 |
| Core capital (leverage) ratio | 6.9413% | 7,466 |
| Tier 1 risk-based capital ratio | 11.2324% | 5,710 |
| Total risk-based capital ratio | 12.2770% | 5,890 |
| Memoranda: | ||
| Average total assets | $13,271,250 | 8,009 |
| Average earning assets | $12,040,750 | 7,991 |
| Average equity | $911,500 | 8,073 |
| Average total loans | $9,781,750 | 7,792 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0568% | 286 |
| Cost of funding earning assets | 2.7415% | 927 |
| Net interest margin | 4.3153% | 1,612 |
| Noninterest income to average assets | 0.7195% | 2,870 |
| Noninterest expense to average assets | 3.9190% | 1,446 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4746% | 4,197 |
| Return on assets (ROA) | 0.4746% | 4,310 |
| Pretax return on assets | 0.7042% | 3,978 |
| Return on Equity (ROE) | 6.9171% | 3,241 |
| Retained earnings to average equity (ytd only) | 6.9171% | 1,615 |
| Net charge-offs to loans | -0.0217% | 7,712 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7682% | 2,386 |
| Assets per employee ($millions) | 2.7284% | 6,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8575% | 6,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 74.5785% | 2,547 |
| Net loans and leases to deposits | 94.6331% | 1,999 |
| Net loans and leases to core deposits | 124.7425% | 1,962 |
| Total domestic deposits to total assets | 78.8081% | 5,860 |
| Equity capital to assets | 6.6779% | 7,760 |
| Core capital (leverage) ratio | 6.8102% | 7,648 |
| Tier 1 risk-based capital ratio | 12.0058% | 4,908 |
| Total risk-based capital ratio | 13.1655% | 4,904 |
| Memoranda: | ||
| Average total assets | $13,064,670 | 8,104 |
| Average earning assets | $11,818,330 | 8,085 |
| Average equity | $896,330 | 8,165 |
| Average total loans | $9,224,330 | 7,892 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9632% | 370 |
| Cost of funding earning assets | 2.6376% | 1,457 |
| Net interest margin | 4.3257% | 1,532 |
| Noninterest income to average assets | 0.6888% | 2,957 |
| Noninterest expense to average assets | 3.6631% | 1,724 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6262% | 3,906 |
| Return on assets (ROA) | 0.6262% | 4,088 |
| Pretax return on assets | 0.8766% | 3,809 |
| Return on Equity (ROE) | 8.9989% | 2,725 |
| Retained earnings to average equity (ytd only) | 8.9989% | 1,483 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6897% | 2,710 |
| Assets per employee ($millions) | 2.6564% | 6,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 6,263 |
| Loan loss allowance to noncurrent loans | 1,087.5000% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 7,421 |
| Noncurrent loans to loans | 0.0909% | 7,263 |
| Net loans and leases to total assets | 65.5775% | 4,679 |
| Net loans and leases to deposits | 83.6776% | 4,029 |
| Net loans and leases to core deposits | 109.9747% | 3,440 |
| Total domestic deposits to total assets | 78.3692% | 5,900 |
| Equity capital to assets | 6.7686% | 7,777 |
| Core capital (leverage) ratio | 7.0032% | 7,631 |
| Tier 1 risk-based capital ratio | 12.5999% | 4,473 |
| Total risk-based capital ratio | 13.8192% | 4,421 |
| Memoranda: | ||
| Average total assets | $12,776,000 | 8,158 |
| Average earning assets | $11,374,000 | 8,146 |
| Average equity | $889,000 | 8,218 |
| Average total loans | $8,705,500 | 7,967 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2798% | 132 |
| Cost of funding earning assets | 3.5857% | 410 |
| Net interest margin | 4.6940% | 983 |
| Noninterest income to average assets | 0.7595% | 2,725 |
| Noninterest expense to average assets | 4.1193% | 1,250 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5036% | 4,720 |
| Return on assets (ROA) | 0.5036% | 4,563 |
| Pretax return on assets | 0.8008% | 4,065 |
| Return on Equity (ROE) | 7.0733% | 3,492 |
| Retained earnings to average equity (ytd only) | 6.6095% | 1,292 |
| Net charge-offs to loans | -0.0562% | 8,037 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7248% | 2,090 |
| Assets per employee ($millions) | 2.4540% | 7,293 |
| Cash dividends to net income (ytd only)* | 6.5574% | 4,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 5,940 |
| Loan loss allowance to noncurrent loans | 966.6667% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 7,281 |
| Noncurrent loans to loans | 0.1045% | 7,102 |
| Net loans and leases to total assets | 69.4947% | 4,146 |
| Net loans and leases to deposits | 90.5202% | 3,361 |
| Net loans and leases to core deposits | 111.6099% | 3,604 |
| Total domestic deposits to total assets | 76.7726% | 6,043 |
| Equity capital to assets | 7.1638% | 7,646 |
| Core capital (leverage) ratio | 7.3495% | 7,362 |
| Tier 1 risk-based capital ratio | 12.2800% | 4,601 |
| Total risk-based capital ratio | 13.4954% | 4,525 |
| Memoranda: | ||
| Average total assets | $12,113,600 | 8,215 |
| Average earning assets | $10,737,000 | 8,203 |
| Average equity | $862,400 | 8,282 |
| Average total loans | $8,889,800 | 7,993 |