Home > Dewey Bank > Performance and Condition Ratios
Dewey Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 2,259 |
| Cost of funding earning assets | 0.5943% | 4,076 |
| Net interest margin | 4.3123% | 795 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 3.4932% | 579 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.6351% | 3,351 |
| Return on assets (ROA) | 0.6351% | 3,329 |
| Pretax return on assets | 0.6351% | 3,575 |
| Return on Equity (ROE) | 5.9400% | 3,531 |
| Retained earnings to average equity (ytd only) | 5.9419% | 2,267 |
| Net charge-offs to loans | 0.0216% | 1,902 |
| Credit loss provision to net charge-offs | 150.0000% | 1,474 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 1,333 |
| Efficiency ratio | 84.1884% | 655 |
| Assets per employee ($millions) | 3.6019% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5189% | 4,323 |
| Loan loss allowance to noncurrent loans | 265.7895% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 2,649 |
| Noncurrent loans to loans | 0.1952% | 2,536 |
| Net loans and leases to total assets | 67.2000% | 2,127 |
| Net loans and leases to deposits | 78.9047% | 2,200 |
| Net loans and leases to core deposits | 83.7507% | 2,473 |
| Total domestic deposits to total assets | 85.1700% | 2,256 |
| Equity capital to assets | 11.1157% | 1,425 |
| Core capital (leverage) ratio | 8.9908% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3922% | 2,740 |
| Memoranda: | ||
| Average total assets | $28,655,400 | 4,473 |
| Average earning assets | $25,577,800 | 4,446 |
| Average equity | $3,063,000 | 4,424 |
| Average total loans | $18,507,600 | 4,316 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8235% | 2,217 |
| Cost of funding earning assets | 0.5162% | 4,111 |
| Net interest margin | 4.3072% | 797 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 3.3221% | 703 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8107% | 2,993 |
| Return on assets (ROA) | 0.8107% | 2,984 |
| Pretax return on assets | 0.8107% | 3,308 |
| Return on Equity (ROE) | 7.6600% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.6616% | 2,087 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.3833% | 838 |
| Assets per employee ($millions) | 3.4729% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5565% | 4,312 |
| Loan loss allowance to noncurrent loans | 2,475.0000% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,697 |
| Noncurrent loans to loans | 0.0225% | 3,604 |
| Net loans and leases to total assets | 63.6800% | 2,478 |
| Net loans and leases to deposits | 71.6844% | 2,728 |
| Net loans and leases to core deposits | 74.0860% | 2,991 |
| Total domestic deposits to total assets | 88.8300% | 1,310 |
| Equity capital to assets | 10.9743% | 1,353 |
| Core capital (leverage) ratio | 8.9569% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2250% | 2,540 |
| Memoranda: | ||
| Average total assets | $28,615,500 | 4,496 |
| Average earning assets | $25,568,750 | 4,470 |
| Average equity | $3,028,000 | 4,443 |
| Average total loans | $18,268,250 | 4,335 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8167% | 1,961 |
| Cost of funding earning assets | 0.4124% | 4,145 |
| Net interest margin | 4.4043% | 705 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 3.3364% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8307% | 2,984 |
| Return on assets (ROA) | 0.8307% | 2,996 |
| Pretax return on assets | 0.8307% | 3,326 |
| Return on Equity (ROE) | 7.9400% | 3,247 |
| Retained earnings to average equity (ytd only) | 7.9444% | 1,981 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.0664% | 836 |
| Assets per employee ($millions) | 3.6543% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5309% | 4,357 |
| Loan loss allowance to noncurrent loans | 2,475.0000% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 3,705 |
| Noncurrent loans to loans | 0.0215% | 3,606 |
| Net loans and leases to total assets | 63.4500% | 2,438 |
| Net loans and leases to deposits | 70.9901% | 2,716 |
| Net loans and leases to core deposits | 72.2341% | 3,001 |
| Total domestic deposits to total assets | 89.3800% | 1,115 |
| Equity capital to assets | 10.4570% | 1,621 |
| Core capital (leverage) ratio | 8.5768% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3514% | 2,793 |
| Memoranda: | ||
| Average total assets | $28,893,000 | 4,519 |
| Average earning assets | $25,702,000 | 4,498 |
| Average equity | $3,021,000 | 4,474 |
| Average total loans | $18,427,667 | 4,353 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8020% | 1,610 |
| Cost of funding earning assets | 0.2478% | 4,299 |
| Net interest margin | 4.5542% | 539 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 3.3841% | 614 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8356% | 3,070 |
| Return on assets (ROA) | 0.8356% | 3,028 |
| Pretax return on assets | 0.8356% | 3,381 |
| Return on Equity (ROE) | 7.9900% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.9920% | 2,219 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.1980% | 815 |
| Assets per employee ($millions) | 3.6331% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5663% | 4,390 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 3,717 |
| Noncurrent loans to loans | 0.0227% | 3,608 |
| Net loans and leases to total assets | 60.4200% | 2,608 |
| Net loans and leases to deposits | 67.6165% | 2,804 |
| Net loans and leases to core deposits | 67.6165% | 3,123 |
| Total domestic deposits to total assets | 89.3500% | 1,396 |
| Equity capital to assets | 10.4628% | 1,579 |
| Core capital (leverage) ratio | 7.9280% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7644% | 2,795 |
| Memoranda: | ||
| Average total assets | $28,722,500 | 4,582 |
| Average earning assets | $25,822,500 | 4,560 |
| Average equity | $3,003,000 | 4,538 |
| Average total loans | $18,317,500 | 4,414 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8596% | 2,099 |
| Cost of funding earning assets | 0.1824% | 3,890 |
| Net interest margin | 3.6772% | 1,435 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 3.0709% | 871 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.6176% | 3,837 |
| Return on assets (ROA) | 0.6176% | 3,788 |
| Pretax return on assets | 0.6176% | 4,001 |
| Return on Equity (ROE) | 6.2400% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.2364% | 2,558 |
| Net charge-offs to loans | 0.0115% | 1,953 |
| Credit loss provision to net charge-offs | 650.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 982 |
| Efficiency ratio | 82.2785% | 583 |
| Assets per employee ($millions) | 3.5475% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5165% | 4,417 |
| Loan loss allowance to noncurrent loans | 2,450.0000% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 3,729 |
| Noncurrent loans to loans | 0.0211% | 3,656 |
| Net loans and leases to total assets | 66.5200% | 1,978 |
| Net loans and leases to deposits | 74.3892% | 2,225 |
| Net loans and leases to core deposits | 76.3540% | 2,395 |
| Total domestic deposits to total assets | 89.4200% | 1,589 |
| Equity capital to assets | 10.4475% | 1,475 |
| Core capital (leverage) ratio | 7.7604% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6739% | 3,013 |
| Memoranda: | ||
| Average total assets | $29,633,200 | 4,611 |
| Average earning assets | $26,868,000 | 4,585 |
| Average equity | $2,934,400 | 4,615 |
| Average total loans | $17,344,600 | 4,447 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6153% | 2,301 |
| Cost of funding earning assets | 0.1756% | 3,563 |
| Net interest margin | 3.4397% | 1,841 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.9430% | 986 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.5654% | 3,924 |
| Return on assets (ROA) | 0.5654% | 3,879 |
| Pretax return on assets | 0.5654% | 4,044 |
| Return on Equity (ROE) | 5.7900% | 3,832 |
| Retained earnings to average equity (ytd only) | 5.7856% | 2,824 |
| Net charge-offs to loans | 0.0157% | 1,547 |
| Credit loss provision to net charge-offs | 250.0000% | 892 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 1,125 |
| Efficiency ratio | 83.3544% | 588 |
| Assets per employee ($millions) | 3.8245% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4773% | 4,496 |
| Loan loss allowance to noncurrent loans | 25.4958% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.1537% | 372 |
| Noncurrent loans to loans | 1.8721% | 330 |
| Net loans and leases to total assets | 61.3300% | 2,372 |
| Net loans and leases to deposits | 67.7473% | 2,556 |
| Net loans and leases to core deposits | 71.7684% | 2,501 |
| Total domestic deposits to total assets | 90.5300% | 1,428 |
| Equity capital to assets | 9.3313% | 1,994 |
| Core capital (leverage) ratio | 7.1445% | 4,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3214% | 3,106 |
| Memoranda: | ||
| Average total assets | $29,946,500 | 4,644 |
| Average earning assets | $27,327,500 | 4,616 |
| Average equity | $2,926,750 | 4,658 |
| Average total loans | $16,937,000 | 4,490 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4062% | 2,414 |
| Cost of funding earning assets | 0.1548% | 3,511 |
| Net interest margin | 3.2513% | 2,051 |
| Noninterest income to average assets | 0.3902% | 2,817 |
| Noninterest expense to average assets | 2.9331% | 938 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4238% | 4,068 |
| Return on assets (ROA) | 0.4238% | 4,016 |
| Pretax return on assets | 0.4238% | 4,121 |
| Return on Equity (ROE) | 4.2702% | 3,970 |
| Retained earnings to average equity (ytd only) | 4.2702% | 2,984 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3747% | 519 |
| Assets per employee ($millions) | 4.0253% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5273% | 4,524 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 2,395 |
| Noncurrent loans to loans | 0.0364% | 3,678 |
| Net loans and leases to total assets | 50.9658% | 3,264 |
| Net loans and leases to deposits | 55.9926% | 3,376 |
| Net loans and leases to core deposits | 59.1189% | 3,338 |
| Total domestic deposits to total assets | 91.0223% | 1,231 |
| Equity capital to assets | 8.8411% | 2,509 |
| Core capital (leverage) ratio | 7.0720% | 4,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5373% | 2,918 |
| Memoranda: | ||
| Average total assets | $29,730,000 | 4,682 |
| Average earning assets | $27,127,333 | 4,665 |
| Average equity | $2,950,667 | 4,692 |
| Average total loans | $16,297,333 | 4,559 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3909% | 2,114 |
| Cost of funding earning assets | 0.1703% | 3,216 |
| Net interest margin | 3.2206% | 1,813 |
| Noninterest income to average assets | 0.3790% | 2,819 |
| Noninterest expense to average assets | 2.9761% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3229% | 4,098 |
| Return on assets (ROA) | 0.3229% | 4,065 |
| Pretax return on assets | 0.3229% | 4,152 |
| Return on Equity (ROE) | 3.0641% | 4,072 |
| Retained earnings to average equity (ytd only) | 3.0641% | 3,237 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2128% | 538 |
| Assets per employee ($millions) | 3.7636% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5732% | 4,524 |
| Loan loss allowance to noncurrent loans | 1,242.8571% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 2,398 |
| Noncurrent loans to loans | 0.0461% | 3,647 |
| Net loans and leases to total assets | 50.1212% | 3,161 |
| Net loans and leases to deposits | 55.6494% | 3,295 |
| Net loans and leases to core deposits | 55.6494% | 3,475 |
| Total domestic deposits to total assets | 90.0661% | 1,525 |
| Equity capital to assets | 9.7645% | 2,080 |
| Core capital (leverage) ratio | 6.9703% | 4,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1732% | 2,852 |
| Memoranda: | ||
| Average total assets | $28,494,000 | 4,713 |
| Average earning assets | $25,834,000 | 4,696 |
| Average equity | $3,002,500 | 4,716 |
| Average total loans | $16,196,500 | 4,576 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 1,289 |
| Cost of funding earning assets | 0.2113% | 3,354 |
| Net interest margin | 3.8200% | 967 |
| Noninterest income to average assets | 0.5025% | 2,554 |
| Noninterest expense to average assets | 3.3040% | 626 |
| Loan and lease loss provision to assets | 0.0723% | 1,652 |
| Net operating income to assets | 0.5242% | 4,027 |
| Return on assets (ROA) | 0.5242% | 4,078 |
| Pretax return on assets | 0.5242% | 4,222 |
| Return on Equity (ROE) | 4.7719% | 4,048 |
| Retained earnings to average equity (ytd only) | 4.7719% | 2,882 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7081% | 536 |
| Assets per employee ($millions) | 3.8399% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5054% | 4,621 |
| Loan loss allowance to noncurrent loans | 1,242.8571% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.2307% | 2,405 |
| Noncurrent loans to loans | 0.0407% | 3,779 |
| Net loans and leases to total assets | 63.7226% | 1,738 |
| Net loans and leases to deposits | 72.0481% | 1,903 |
| Net loans and leases to core deposits | 72.0481% | 2,257 |
| Total domestic deposits to total assets | 88.4445% | 1,817 |
| Equity capital to assets | 11.4030% | 1,552 |
| Core capital (leverage) ratio | 7.7385% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8522% | 3,060 |
| Memoranda: | ||
| Average total assets | $27,663,600 | 4,756 |
| Average earning assets | $24,607,600 | 4,750 |
| Average equity | $3,038,600 | 4,764 |
| Average total loans | $15,160,600 | 4,646 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1181% | 1,264 |
| Cost of funding earning assets | 0.2210% | 3,414 |
| Net interest margin | 3.8971% | 943 |
| Noninterest income to average assets | 0.4451% | 2,861 |
| Noninterest expense to average assets | 3.2400% | 666 |
| Loan and lease loss provision to assets | 0.0251% | 2,495 |
| Net operating income to assets | 0.6413% | 3,925 |
| Return on assets (ROA) | 0.6413% | 3,980 |
| Pretax return on assets | 0.6413% | 4,175 |
| Return on Equity (ROE) | 5.8926% | 3,937 |
| Retained earnings to average equity (ytd only) | 5.8926% | 2,875 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9657% | 578 |
| Assets per employee ($millions) | 3.9160% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4525% | 4,740 |
| Loan loss allowance to noncurrent loans | 1,028.5714% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 2,649 |
| Noncurrent loans to loans | 0.0440% | 3,894 |
| Net loans and leases to total assets | 57.7849% | 2,522 |
| Net loans and leases to deposits | 65.2093% | 2,710 |
| Net loans and leases to core deposits | 65.2093% | 3,019 |
| Total domestic deposits to total assets | 88.6145% | 1,507 |
| Equity capital to assets | 11.2761% | 1,835 |
| Core capital (leverage) ratio | 7.4729% | 4,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1094% | 3,082 |
| Memoranda: | ||
| Average total assets | $27,859,750 | 4,826 |
| Average earning assets | $24,735,500 | 4,821 |
| Average equity | $3,032,000 | 4,837 |
| Average total loans | $14,647,000 | 4,726 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 936 |
| Cost of funding earning assets | 0.2332% | 3,442 |
| Net interest margin | 4.1085% | 681 |
| Noninterest income to average assets | 0.4641% | 2,786 |
| Noninterest expense to average assets | 3.2418% | 675 |
| Loan and lease loss provision to assets | 0.0357% | 2,281 |
| Net operating income to assets | 0.8354% | 3,405 |
| Return on assets (ROA) | 0.8354% | 3,479 |
| Pretax return on assets | 0.8354% | 3,795 |
| Return on Equity (ROE) | 7.7681% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.7681% | 2,164 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8194% | 860 |
| Assets per employee ($millions) | 4.1053% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4674% | 4,762 |
| Loan loss allowance to noncurrent loans | 1,028.5714% | 728 |
| Noncurrent assets plus other real estate owned to assets | 1.6912% | 300 |
| Noncurrent loans to loans | 0.0454% | 3,955 |
| Net loans and leases to total assets | 53.3563% | 3,213 |
| Net loans and leases to deposits | 59.8478% | 3,402 |
| Net loans and leases to core deposits | 59.8478% | 3,627 |
| Total domestic deposits to total assets | 89.1534% | 1,199 |
| Equity capital to assets | 10.6761% | 2,243 |
| Core capital (leverage) ratio | 7.1266% | 4,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9740% | 2,732 |
| Memoranda: | ||
| Average total assets | $28,009,000 | 4,859 |
| Average earning assets | $24,875,333 | 4,851 |
| Average equity | $3,012,333 | 4,870 |
| Average total loans | $14,225,333 | 4,768 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2479% | 1,123 |
| Cost of funding earning assets | 0.2432% | 3,537 |
| Net interest margin | 4.0047% | 838 |
| Noninterest income to average assets | 0.3473% | 3,359 |
| Noninterest expense to average assets | 3.1977% | 721 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7235% | 3,656 |
| Return on assets (ROA) | 0.7235% | 3,719 |
| Pretax return on assets | 0.7235% | 3,969 |
| Return on Equity (ROE) | 6.7013% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.7013% | 2,665 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5498% | 726 |
| Assets per employee ($millions) | 4.2483% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4890% | 4,782 |
| Loan loss allowance to noncurrent loans | 52.7559% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 2.0378% | 244 |
| Noncurrent loans to loans | 0.9269% | 1,459 |
| Net loans and leases to total assets | 45.8504% | 3,968 |
| Net loans and leases to deposits | 51.0923% | 4,098 |
| Net loans and leases to core deposits | 51.0923% | 4,239 |
| Total domestic deposits to total assets | 89.7404% | 934 |
| Equity capital to assets | 10.0679% | 2,646 |
| Core capital (leverage) ratio | 6.8360% | 4,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2809% | 2,874 |
| Memoranda: | ||
| Average total assets | $27,645,000 | 4,888 |
| Average earning assets | $24,671,000 | 4,879 |
| Average equity | $2,984,500 | 4,894 |
| Average total loans | $13,635,500 | 4,806 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9436% | 2,897 |
| Cost of funding earning assets | 0.3421% | 3,915 |
| Net interest margin | 3.6015% | 2,136 |
| Noninterest income to average assets | 0.5038% | 2,617 |
| Noninterest expense to average assets | 3.2604% | 952 |
| Loan and lease loss provision to assets | 0.0363% | 3,960 |
| Net operating income to assets | 0.3466% | 4,358 |
| Return on assets (ROA) | 0.3466% | 4,425 |
| Pretax return on assets | 0.3466% | 4,491 |
| Return on Equity (ROE) | 2.9574% | 4,396 |
| Retained earnings to average equity (ytd only) | 2.9574% | 3,385 |
| Net charge-offs to loans | -0.0325% | 4,561 |
| Credit loss provision to net charge-offs | -225.0000% | 3,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4912% | 393 |
| Assets per employee ($millions) | 3.6503% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4938% | 4,795 |
| Loan loss allowance to noncurrent loans | 52.7559% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 2.3716% | 200 |
| Noncurrent loans to loans | 0.9360% | 1,505 |
| Net loans and leases to total assets | 52.8413% | 3,593 |
| Net loans and leases to deposits | 59.9077% | 3,771 |
| Net loans and leases to core deposits | 59.9077% | 3,948 |
| Total domestic deposits to total assets | 88.2044% | 1,373 |
| Equity capital to assets | 11.6429% | 1,776 |
| Core capital (leverage) ratio | 7.4750% | 4,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0731% | 2,904 |
| Memoranda: | ||
| Average total assets | $24,812,800 | 4,912 |
| Average earning assets | $21,629,800 | 4,913 |
| Average equity | $2,908,000 | 4,915 |
| Average total loans | $12,290,600 | 4,857 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0081% | 2,950 |
| Cost of funding earning assets | 0.3548% | 4,032 |
| Net interest margin | 3.6533% | 2,091 |
| Noninterest income to average assets | 0.4493% | 2,852 |
| Noninterest expense to average assets | 3.2807% | 934 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3465% | 4,364 |
| Return on assets (ROA) | 0.3465% | 4,421 |
| Pretax return on assets | 0.3465% | 4,497 |
| Return on Equity (ROE) | 2.9514% | 4,398 |
| Retained earnings to average equity (ytd only) | 2.9514% | 3,541 |
| Net charge-offs to loans | -0.0446% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4478% | 354 |
| Assets per employee ($millions) | 3.9190% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4559% | 4,846 |
| Loan loss allowance to noncurrent loans | 45.6693% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 2.2090% | 271 |
| Noncurrent loans to loans | 0.9983% | 1,499 |
| Net loans and leases to total assets | 46.1634% | 4,307 |
| Net loans and leases to deposits | 56.6647% | 4,225 |
| Net loans and leases to core deposits | 56.6647% | 4,352 |
| Total domestic deposits to total assets | 81.4676% | 3,547 |
| Equity capital to assets | 11.0743% | 2,343 |
| Core capital (leverage) ratio | 7.2863% | 4,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4134% | 2,814 |
| Memoranda: | ||
| Average total assets | $24,628,000 | 4,944 |
| Average earning assets | $21,422,750 | 4,947 |
| Average equity | $2,891,250 | 4,944 |
| Average total loans | $11,971,000 | 4,889 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 2,709 |
| Cost of funding earning assets | 0.3894% | 4,080 |
| Net interest margin | 3.8257% | 1,757 |
| Noninterest income to average assets | 0.5149% | 2,508 |
| Noninterest expense to average assets | 3.5031% | 746 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3292% | 4,364 |
| Return on assets (ROA) | 0.3292% | 4,419 |
| Pretax return on assets | 0.3292% | 4,499 |
| Return on Equity (ROE) | 2.7442% | 4,394 |
| Retained earnings to average equity (ytd only) | 2.7442% | 3,480 |
| Net charge-offs to loans | -0.0683% | 4,761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4097% | 357 |
| Assets per employee ($millions) | 3.7804% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4598% | 4,868 |
| Loan loss allowance to noncurrent loans | 38.1579% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 2.3845% | 247 |
| Noncurrent loans to loans | 1.2050% | 1,304 |
| Net loans and leases to total assets | 47.4474% | 4,285 |
| Net loans and leases to deposits | 58.6318% | 4,185 |
| Net loans and leases to core deposits | 58.6318% | 4,323 |
| Total domestic deposits to total assets | 80.9243% | 3,628 |
| Equity capital to assets | 11.3593% | 2,073 |
| Core capital (leverage) ratio | 7.8708% | 4,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3123% | 2,885 |
| Memoranda: | ||
| Average total assets | $23,693,000 | 4,985 |
| Average earning assets | $20,545,000 | 4,981 |
| Average equity | $2,842,333 | 4,977 |
| Average total loans | $11,720,667 | 4,923 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1298% | 3,437 |
| Cost of funding earning assets | 0.4358% | 4,214 |
| Net interest margin | 3.6940% | 2,347 |
| Noninterest income to average assets | 0.4303% | 2,908 |
| Noninterest expense to average assets | 3.7475% | 665 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.1255% | 4,812 |
| Return on assets (ROA) | -0.1255% | 4,798 |
| Pretax return on assets | -0.1255% | 4,784 |
| Return on Equity (ROE) | -1.0143% | 4,802 |
| Retained earnings to average equity (ytd only) | -1.0143% | 4,143 |
| Net charge-offs to loans | -0.1419% | 4,889 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4653% | 199 |
| Assets per employee ($millions) | 3.1206% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5293% | 4,848 |
| Loan loss allowance to noncurrent loans | 45.6693% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 2.7742% | 225 |
| Noncurrent loans to loans | 1.1591% | 1,427 |
| Net loans and leases to total assets | 49.8947% | 4,247 |
| Net loans and leases to deposits | 56.9495% | 4,327 |
| Net loans and leases to core deposits | 56.9495% | 4,463 |
| Total domestic deposits to total assets | 87.6122% | 1,268 |
| Equity capital to assets | 12.1315% | 1,975 |
| Core capital (leverage) ratio | 8.3486% | 4,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3376% | 2,555 |
| Memoranda: | ||
| Average total assets | $22,308,000 | 5,043 |
| Average earning assets | $19,274,500 | 5,038 |
| Average equity | $2,760,500 | 5,028 |
| Average total loans | $11,274,000 | 4,977 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 3,406 |
| Cost of funding earning assets | 0.4098% | 4,414 |
| Net interest margin | 3.9353% | 2,048 |
| Noninterest income to average assets | 0.5814% | 2,309 |
| Noninterest expense to average assets | 3.6926% | 769 |
| Loan and lease loss provision to assets | 0.1953% | 1,040 |
| Net operating income to assets | 0.0178% | 4,963 |
| Return on assets (ROA) | 0.0178% | 4,983 |
| Pretax return on assets | 0.0178% | 4,977 |
| Return on Equity (ROE) | 0.1424% | 4,984 |
| Retained earnings to average equity (ytd only) | 0.1424% | 4,644 |
| Net charge-offs to loans | 0.2547% | 810 |
| Credit loss provision to net charge-offs | 157.1429% | 1,639 |
| Earnings coverage of net charge-offs (x) | 1.7143% | 3,503 |
| Efficiency ratio | 94.5455% | 234 |
| Assets per employee ($millions) | 2.5302% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4659% | 4,931 |
| Loan loss allowance to noncurrent loans | 42.5197% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 2.6612% | 228 |
| Noncurrent loans to loans | 1.0957% | 1,376 |
| Net loans and leases to total assets | 50.6631% | 4,297 |
| Net loans and leases to deposits | 58.1033% | 4,370 |
| Net loans and leases to core deposits | 58.1033% | 4,521 |
| Total domestic deposits to total assets | 87.1948% | 1,524 |
| Equity capital to assets | 12.6076% | 1,764 |
| Core capital (leverage) ratio | 8.3903% | 4,904 |
| Tier 1 risk-based capital ratio | 12.3390% | 4,169 |
| Total risk-based capital ratio | 12.7031% | 4,532 |
| Memoranda: | ||
| Average total assets | $22,531,600 | 5,094 |
| Average earning assets | $19,032,800 | 5,097 |
| Average equity | $2,808,400 | 5,082 |
| Average total loans | $10,994,600 | 5,042 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 3,386 |
| Cost of funding earning assets | 0.4095% | 4,471 |
| Net interest margin | 3.9817% | 2,010 |
| Noninterest income to average assets | 0.5280% | 2,565 |
| Noninterest expense to average assets | 3.5719% | 878 |
| Loan and lease loss provision to assets | 0.0712% | 2,455 |
| Net operating income to assets | 0.2314% | 4,923 |
| Return on assets (ROA) | 0.2314% | 4,937 |
| Pretax return on assets | 0.2314% | 4,964 |
| Return on Equity (ROE) | 1.8620% | 4,915 |
| Retained earnings to average equity (ytd only) | 1.8620% | 4,322 |
| Net charge-offs to loans | 0.1967% | 884 |
| Credit loss provision to net charge-offs | 75.0000% | 2,566 |
| Earnings coverage of net charge-offs (x) | 3.1880% | 3,128 |
| Efficiency ratio | 92.1899% | 267 |
| Assets per employee ($millions) | 2.4290% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2917% | 5,120 |
| Loan loss allowance to noncurrent loans | 24.6377% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 2.8224% | 202 |
| Noncurrent loans to loans | 1.1838% | 1,325 |
| Net loans and leases to total assets | 53.1677% | 4,241 |
| Net loans and leases to deposits | 61.4583% | 4,317 |
| Net loans and leases to core deposits | 61.4583% | 4,482 |
| Total domestic deposits to total assets | 86.5102% | 1,769 |
| Equity capital to assets | 13.2931% | 1,464 |
| Core capital (leverage) ratio | 8.8733% | 4,729 |
| Tier 1 risk-based capital ratio | 12.3420% | 4,239 |
| Total risk-based capital ratio | 12.5670% | 4,657 |
| Memoranda: | ||
| Average total assets | $22,471,500 | 5,172 |
| Average earning assets | $18,885,750 | 5,178 |
| Average equity | $2,792,750 | 5,161 |
| Average total loans | $10,845,500 | 5,124 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3202% | 3,583 |
| Cost of funding earning assets | 0.3994% | 4,511 |
| Net interest margin | 3.9207% | 2,187 |
| Noninterest income to average assets | 0.5645% | 2,317 |
| Noninterest expense to average assets | 3.5810% | 867 |
| Loan and lease loss provision to assets | 0.0176% | 3,441 |
| Net operating income to assets | 0.2558% | 4,931 |
| Return on assets (ROA) | 0.2558% | 4,945 |
| Pretax return on assets | 0.2558% | 4,976 |
| Return on Equity (ROE) | 2.1053% | 4,925 |
| Retained earnings to average equity (ytd only) | 2.1053% | 4,081 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9062% | 263 |
| Assets per employee ($millions) | 2.9745% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3805% | 5,121 |
| Loan loss allowance to noncurrent loans | 25.8065% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 2.6643% | 261 |
| Noncurrent loans to loans | 1.4745% | 1,049 |
| Net loans and leases to total assets | 44.0074% | 4,728 |
| Net loans and leases to deposits | 50.1677% | 4,798 |
| Net loans and leases to core deposits | 50.1677% | 4,865 |
| Total domestic deposits to total assets | 87.7206% | 1,235 |
| Equity capital to assets | 12.0566% | 2,141 |
| Core capital (leverage) ratio | 8.9922% | 4,632 |
| Tier 1 risk-based capital ratio | 13.0039% | 3,833 |
| Total risk-based capital ratio | 13.2843% | 4,284 |
| Memoranda: | ||
| Average total assets | $22,675,000 | 5,218 |
| Average earning assets | $19,027,000 | 5,224 |
| Average equity | $2,755,000 | 5,203 |
| Average total loans | $10,575,000 | 5,173 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3381% | 3,435 |
| Cost of funding earning assets | 0.4171% | 4,411 |
| Net interest margin | 3.9210% | 2,128 |
| Noninterest income to average assets | 0.7054% | 1,591 |
| Noninterest expense to average assets | 3.7441% | 701 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3618% | 4,811 |
| Return on assets (ROA) | 0.3618% | 4,820 |
| Pretax return on assets | 0.3618% | 4,885 |
| Return on Equity (ROE) | 2.9652% | 4,792 |
| Retained earnings to average equity (ytd only) | 2.9652% | 3,746 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1894% | 350 |
| Assets per employee ($millions) | 2.4001% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3619% | 5,206 |
| Loan loss allowance to noncurrent loans | 12.7517% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 3.5971% | 147 |
| Noncurrent loans to loans | 2.8384% | 411 |
| Net loans and leases to total assets | 48.4283% | 4,563 |
| Net loans and leases to deposits | 55.6673% | 4,613 |
| Net loans and leases to core deposits | 55.6673% | 4,730 |
| Total domestic deposits to total assets | 86.9960% | 1,817 |
| Equity capital to assets | 12.7494% | 1,599 |
| Core capital (leverage) ratio | 8.5550% | 4,979 |
| Tier 1 risk-based capital ratio | 13.2169% | 3,762 |
| Total risk-based capital ratio | 13.4889% | 4,199 |
| Memoranda: | ||
| Average total assets | $22,114,500 | 5,277 |
| Average earning assets | $19,179,000 | 5,277 |
| Average equity | $2,698,000 | 5,259 |
| Average total loans | $10,606,500 | 5,234 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,936 |
| Cost of funding earning assets | 0.2727% | 4,694 |
| Net interest margin | 3.7608% | 2,822 |
| Noninterest income to average assets | 0.5226% | 2,698 |
| Noninterest expense to average assets | 4.0994% | 472 |
| Loan and lease loss provision to assets | 0.3739% | 390 |
| Net operating income to assets | -0.6577% | 5,329 |
| Return on assets (ROA) | -0.6577% | 5,323 |
| Pretax return on assets | -0.6577% | 5,322 |
| Return on Equity (ROE) | -5.3748% | 5,320 |
| Retained earnings to average equity (ytd only) | -5.3748% | 5,253 |
| Net charge-offs to loans | 1.1575% | 115 |
| Credit loss provision to net charge-offs | 74.7748% | 2,931 |
| Earnings coverage of net charge-offs (x) | -0.5676% | 3,729 |
| Efficiency ratio | 107.4380% | 93 |
| Assets per employee ($millions) | 2.5142% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3547% | 5,249 |
| Loan loss allowance to noncurrent loans | 24.5161% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 2.8018% | 246 |
| Noncurrent loans to loans | 1.4467% | 1,067 |
| Net loans and leases to total assets | 47.1805% | 4,686 |
| Net loans and leases to deposits | 53.5326% | 4,770 |
| Net loans and leases to core deposits | 54.9092% | 4,814 |
| Total domestic deposits to total assets | 88.1342% | 1,242 |
| Equity capital to assets | 11.6758% | 2,116 |
| Core capital (leverage) ratio | 8.6368% | 4,927 |
| Tier 1 risk-based capital ratio | 13.0475% | 3,823 |
| Total risk-based capital ratio | 13.3190% | 4,269 |
| Memoranda: | ||
| Average total assets | $22,198,400 | 5,324 |
| Average earning assets | $19,437,400 | 5,320 |
| Average equity | $2,716,400 | 5,304 |
| Average total loans | $9,589,800 | 5,295 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 3,844 |
| Cost of funding earning assets | 0.2407% | 4,841 |
| Net interest margin | 3.7896% | 2,690 |
| Noninterest income to average assets | 0.4522% | 3,151 |
| Noninterest expense to average assets | 4.0277% | 511 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.2532% | 5,355 |
| Return on assets (ROA) | -0.2532% | 5,354 |
| Pretax return on assets | -0.2532% | 5,350 |
| Return on Equity (ROE) | -2.0312% | 5,353 |
| Retained earnings to average equity (ytd only) | -2.0312% | 5,201 |
| Net charge-offs to loans | 0.3716% | 437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -1.6152% | 3,442 |
| Efficiency ratio | 106.7093% | 101 |
| Assets per employee ($millions) | 2.4276% | 5,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4178% | 5,269 |
| Loan loss allowance to noncurrent loans | 222.2222% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 2.2748% | 422 |
| Noncurrent loans to loans | 0.1880% | 4,044 |
| Net loans and leases to total assets | 43.6424% | 4,894 |
| Net loans and leases to deposits | 49.7911% | 4,957 |
| Net loans and leases to core deposits | 49.7911% | 5,027 |
| Total domestic deposits to total assets | 87.6510% | 1,415 |
| Equity capital to assets | 12.2391% | 1,747 |
| Core capital (leverage) ratio | 9.0845% | 4,627 |
| Tier 1 risk-based capital ratio | 14.5881% | 3,070 |
| Total risk-based capital ratio | 14.8904% | 3,465 |
| Memoranda: | ||
| Average total assets | $22,113,000 | 5,394 |
| Average earning assets | $19,386,000 | 5,391 |
| Average equity | $2,757,000 | 5,368 |
| Average total loans | $9,330,000 | 5,365 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8678% | 4,163 |
| Cost of funding earning assets | 0.2347% | 4,825 |
| Net interest margin | 3.6331% | 3,190 |
| Noninterest income to average assets | 0.4414% | 3,208 |
| Noninterest expense to average assets | 4.0088% | 525 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.3603% | 5,425 |
| Return on assets (ROA) | -0.3603% | 5,418 |
| Pretax return on assets | -0.3603% | 5,413 |
| Return on Equity (ROE) | -2.8729% | 5,411 |
| Retained earnings to average equity (ytd only) | -2.8729% | 5,205 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8765% | 100 |
| Assets per employee ($millions) | 2.3731% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7097% | 4,927 |
| Loan loss allowance to noncurrent loans | 11.4583% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 2.6969% | 301 |
| Noncurrent loans to loans | 6.1935% | 85 |
| Net loans and leases to total assets | 43.2344% | 4,942 |
| Net loans and leases to deposits | 49.6318% | 4,992 |
| Net loans and leases to core deposits | 50.3215% | 5,039 |
| Total domestic deposits to total assets | 87.1102% | 1,796 |
| Equity capital to assets | 12.7680% | 1,409 |
| Core capital (leverage) ratio | 8.9287% | 4,747 |
| Tier 1 risk-based capital ratio | 15.1399% | 2,803 |
| Total risk-based capital ratio | 15.6571% | 3,074 |
| Memoranda: | ||
| Average total assets | $22,201,330 | 5,456 |
| Average earning assets | $19,597,670 | 5,451 |
| Average equity | $2,784,670 | 5,426 |
| Average total loans | $9,248,330 | 5,427 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 3,812 |
| Cost of funding earning assets | 0.2201% | 4,894 |
| Net interest margin | 3.7216% | 2,721 |
| Noninterest income to average assets | 0.4243% | 3,282 |
| Noninterest expense to average assets | 4.1197% | 455 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.4067% | 5,484 |
| Return on assets (ROA) | -0.4067% | 5,481 |
| Pretax return on assets | -0.4067% | 5,483 |
| Return on Equity (ROE) | -3.2699% | 5,473 |
| Retained earnings to average equity (ytd only) | -3.2699% | 5,099 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.9524% | 98 |
| Assets per employee ($millions) | 2.5671% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7015% | 5,027 |
| Loan loss allowance to noncurrent loans | 12.0438% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 2.3719% | 409 |
| Noncurrent loans to loans | 5.8242% | 110 |
| Net loans and leases to total assets | 40.4389% | 5,051 |
| Net loans and leases to deposits | 45.9522% | 5,098 |
| Net loans and leases to core deposits | 50.0348% | 5,043 |
| Total domestic deposits to total assets | 88.0021% | 1,621 |
| Equity capital to assets | 11.8291% | 1,895 |
| Core capital (leverage) ratio | 8.7493% | 4,953 |
| Tier 1 risk-based capital ratio | 15.1285% | 2,818 |
| Total risk-based capital ratio | 15.6408% | 3,092 |
| Memoranda: | ||
| Average total assets | $22,623,000 | 5,515 |
| Average earning assets | $19,991,500 | 5,507 |
| Average equity | $2,813,500 | 5,484 |
| Average total loans | $9,222,500 | 5,487 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4026% | 4,934 |
| Cost of funding earning assets | 0.1774% | 5,113 |
| Net interest margin | 3.2252% | 4,375 |
| Noninterest income to average assets | 0.5325% | 2,808 |
| Noninterest expense to average assets | 3.6866% | 811 |
| Loan and lease loss provision to assets | 0.0455% | 3,328 |
| Net operating income to assets | -0.3869% | 5,498 |
| Return on assets (ROA) | -0.3869% | 5,497 |
| Pretax return on assets | -0.3869% | 5,530 |
| Return on Equity (ROE) | -2.8992% | 5,485 |
| Retained earnings to average equity (ytd only) | -2.8992% | 5,339 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2041% | 104 |
| Assets per employee ($millions) | 2.4602% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7304% | 5,008 |
| Loan loss allowance to noncurrent loans | 8.2294% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 3.6221% | 180 |
| Noncurrent loans to loans | 8.8756% | 33 |
| Net loans and leases to total assets | 40.5112% | 5,116 |
| Net loans and leases to deposits | 46.6556% | 5,175 |
| Net loans and leases to core deposits | 50.3311% | 5,125 |
| Total domestic deposits to total assets | 86.8305% | 2,074 |
| Equity capital to assets | 13.0702% | 1,230 |
| Core capital (leverage) ratio | 9.4320% | 4,120 |
| Tier 1 risk-based capital ratio | 15.7516% | 2,534 |
| Total risk-based capital ratio | 16.2791% | 2,767 |
| Memoranda: | ||
| Average total assets | $21,971,400 | 5,580 |
| Average earning assets | $19,161,800 | 5,577 |
| Average equity | $2,931,800 | 5,537 |
| Average total loans | $8,339,400 | 5,570 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3149% | 5,093 |
| Cost of funding earning assets | 0.1745% | 5,169 |
| Net interest margin | 3.1405% | 4,599 |
| Noninterest income to average assets | 0.5351% | 2,802 |
| Noninterest expense to average assets | 3.6116% | 857 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.3405% | 5,607 |
| Return on assets (ROA) | -0.3405% | 5,605 |
| Pretax return on assets | -0.3405% | 5,598 |
| Return on Equity (ROE) | -2.5384% | 5,597 |
| Retained earnings to average equity (ytd only) | -2.5384% | 5,456 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4089% | 95 |
| Assets per employee ($millions) | 2.4327% | 5,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6700% | 5,204 |
| Loan loss allowance to noncurrent loans | 10.9162% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 2.3431% | 487 |
| Noncurrent loans to loans | 6.1378% | 99 |
| Net loans and leases to total assets | 37.9191% | 5,274 |
| Net loans and leases to deposits | 44.0401% | 5,315 |
| Net loans and leases to core deposits | 44.0401% | 5,364 |
| Total domestic deposits to total assets | 86.1012% | 2,267 |
| Equity capital to assets | 13.8120% | 1,046 |
| Core capital (leverage) ratio | 9.4922% | 4,179 |
| Tier 1 risk-based capital ratio | 17.0634% | 2,139 |
| Total risk-based capital ratio | 17.5412% | 2,336 |
| Memoranda: | ||
| Average total assets | $21,928,750 | 5,645 |
| Average earning assets | $19,105,000 | 5,646 |
| Average equity | $2,941,250 | 5,599 |
| Average total loans | $8,165,250 | 5,637 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5124% | 4,735 |
| Cost of funding earning assets | 0.1782% | 5,154 |
| Net interest margin | 3.3341% | 4,003 |
| Noninterest income to average assets | 0.5469% | 2,735 |
| Noninterest expense to average assets | 3.5460% | 941 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.1003% | 5,587 |
| Return on assets (ROA) | -0.1003% | 5,590 |
| Pretax return on assets | -0.1003% | 5,582 |
| Return on Equity (ROE) | -0.7551% | 5,583 |
| Retained earnings to average equity (ytd only) | -0.7551% | 5,198 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9101% | 157 |
| Assets per employee ($millions) | 2.4696% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6804% | 5,247 |
| 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 | 36.7812% | 5,349 |
| Net loans and leases to deposits | 42.7272% | 5,379 |
| Net loans and leases to core deposits | 42.7272% | 5,433 |
| Total domestic deposits to total assets | 86.0839% | 2,341 |
| Equity capital to assets | 13.8172% | 1,027 |
| Core capital (leverage) ratio | 9.6380% | 3,978 |
| Tier 1 risk-based capital ratio | 17.7302% | 1,943 |
| Total risk-based capital ratio | 18.2157% | 2,120 |
| Memoranda: | ||
| Average total assets | $21,940,330 | 5,692 |
| Average earning assets | $19,075,330 | 5,697 |
| Average equity | $2,913,670 | 5,647 |
| Average total loans | $8,101,000 | 5,686 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4978% | 4,697 |
| Cost of funding earning assets | 0.1908% | 5,058 |
| Net interest margin | 3.3070% | 3,983 |
| Noninterest income to average assets | 0.5505% | 2,661 |
| Noninterest expense to average assets | 3.5050% | 1,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0918% | 5,642 |
| Return on assets (ROA) | -0.0918% | 5,648 |
| Pretax return on assets | -0.0918% | 5,639 |
| Return on Equity (ROE) | -0.7055% | 5,649 |
| Retained earnings to average equity (ytd only) | -0.7055% | 5,030 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6882% | 194 |
| Assets per employee ($millions) | 2.4233% | 5,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7479% | 5,203 |
| 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 | 34.0761% | 5,466 |
| Net loans and leases to deposits | 39.9785% | 5,471 |
| Net loans and leases to core deposits | 39.9785% | 5,524 |
| Total domestic deposits to total assets | 85.2361% | 2,989 |
| Equity capital to assets | 13.0812% | 1,224 |
| Core capital (leverage) ratio | 9.4680% | 4,153 |
| Tier 1 risk-based capital ratio | 18.9649% | 1,623 |
| Total risk-based capital ratio | 19.4824% | 1,764 |
| Memoranda: | ||
| Average total assets | $21,797,500 | 5,764 |
| Average earning assets | $18,869,000 | 5,765 |
| Average equity | $2,835,000 | 5,714 |
| Average total loans | $8,036,000 | 5,754 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8165% | 3,847 |
| Cost of funding earning assets | 0.1974% | 5,037 |
| Net interest margin | 3.6191% | 3,002 |
| Noninterest income to average assets | 0.5525% | 2,902 |
| Noninterest expense to average assets | 3.5534% | 1,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1591% | 5,479 |
| Return on assets (ROA) | 0.1591% | 5,520 |
| Pretax return on assets | 0.1591% | 5,535 |
| Return on Equity (ROE) | 1.1751% | 5,540 |
| Retained earnings to average equity (ytd only) | 1.1751% | 4,819 |
| Net charge-offs to loans | 0.0337% | 3,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,494 |
| Efficiency ratio | 95.7143% | 322 |
| Assets per employee ($millions) | 3.6308% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6524% | 5,446 |
| 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 | 39.1462% | 5,353 |
| Net loans and leases to deposits | 45.8421% | 5,372 |
| Net loans and leases to core deposits | 45.8421% | 5,438 |
| Total domestic deposits to total assets | 85.3936% | 2,881 |
| Equity capital to assets | 12.9309% | 1,285 |
| Core capital (leverage) ratio | 9.3561% | 4,275 |
| Tier 1 risk-based capital ratio | 17.4548% | 2,021 |
| Total risk-based capital ratio | 17.9302% | 2,221 |
| Memoranda: | ||
| Average total assets | $22,626,400 | 5,810 |
| Average earning assets | $19,756,200 | 5,805 |
| Average equity | $3,063,600 | 5,753 |
| Average total loans | $8,900,800 | 5,788 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 4,046 |
| Cost of funding earning assets | 0.1997% | 5,072 |
| Net interest margin | 3.5606% | 3,231 |
| Noninterest income to average assets | 0.5430% | 2,952 |
| Noninterest expense to average assets | 3.5731% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0934% | 5,632 |
| Return on assets (ROA) | 0.0934% | 5,681 |
| Pretax return on assets | 0.0934% | 5,684 |
| Return on Equity (ROE) | 0.6825% | 5,683 |
| Retained earnings to average equity (ytd only) | 0.6825% | 5,181 |
| Net charge-offs to loans | 0.0445% | 2,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.3325% | 3,147 |
| Efficiency ratio | 97.4522% | 272 |
| Assets per employee ($millions) | 3.8757% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6089% | 5,594 |
| 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 | 39.3094% | 5,417 |
| Net loans and leases to deposits | 46.7403% | 5,425 |
| Net loans and leases to core deposits | 46.7403% | 5,484 |
| Total domestic deposits to total assets | 84.1017% | 3,187 |
| Equity capital to assets | 13.8256% | 1,106 |
| Core capital (leverage) ratio | 9.1374% | 4,675 |
| Tier 1 risk-based capital ratio | 16.2566% | 2,523 |
| Total risk-based capital ratio | 16.7039% | 2,781 |
| Memoranda: | ||
| Average total assets | $22,836,750 | 5,869 |
| Average earning assets | $20,033,500 | 5,862 |
| Average equity | $3,125,250 | 5,810 |
| Average total loans | $8,980,000 | 5,853 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 3,930 |
| Cost of funding earning assets | 0.2121% | 5,018 |
| Net interest margin | 3.5954% | 3,114 |
| Noninterest income to average assets | 0.5375% | 2,969 |
| Noninterest expense to average assets | 3.8066% | 762 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1322% | 5,826 |
| Return on assets (ROA) | -0.1322% | 5,845 |
| Pretax return on assets | -0.1322% | 5,844 |
| Return on Equity (ROE) | -0.9692% | 5,837 |
| Retained earnings to average equity (ytd only) | -0.9692% | 5,434 |
| Net charge-offs to loans | 0.0674% | 2,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -5.0000% | 3,626 |
| Efficiency ratio | 103.5971% | 195 |
| Assets per employee ($millions) | 3.8483% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6198% | 5,654 |
| 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 | 38.8870% | 5,472 |
| Net loans and leases to deposits | 46.0084% | 5,498 |
| Net loans and leases to core deposits | 46.0084% | 5,565 |
| Total domestic deposits to total assets | 84.5214% | 3,083 |
| Equity capital to assets | 13.7939% | 1,096 |
| Core capital (leverage) ratio | 9.4149% | 4,316 |
| Tier 1 risk-based capital ratio | 15.8749% | 2,703 |
| Total risk-based capital ratio | 16.3183% | 2,984 |
| Memoranda: | ||
| Average total assets | $22,697,670 | 5,942 |
| Average earning assets | $19,803,330 | 5,941 |
| Average equity | $3,095,330 | 5,883 |
| Average total loans | $8,907,670 | 5,930 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7222% | 4,241 |
| Cost of funding earning assets | 0.2012% | 5,193 |
| Net interest margin | 3.5210% | 3,388 |
| Noninterest income to average assets | 0.4977% | 3,133 |
| Noninterest expense to average assets | 3.9109% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3022% | 5,915 |
| Return on assets (ROA) | -0.3022% | 5,921 |
| Pretax return on assets | -0.3022% | 5,916 |
| Return on Equity (ROE) | -2.2291% | 5,913 |
| Retained earnings to average equity (ytd only) | -2.2291% | 5,403 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.3744% | 173 |
| Assets per employee ($millions) | 3.6252% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6794% | 5,630 |
| Loan loss allowance to noncurrent loans | 491.6667% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 4,618 |
| Noncurrent loans to loans | 0.1382% | 4,924 |
| Net loans and leases to total assets | 39.6533% | 5,466 |
| Net loans and leases to deposits | 47.2396% | 5,454 |
| Net loans and leases to core deposits | 47.2396% | 5,545 |
| Total domestic deposits to total assets | 83.9410% | 3,544 |
| Equity capital to assets | 14.2568% | 897 |
| Core capital (leverage) ratio | 9.4343% | 4,301 |
| Tier 1 risk-based capital ratio | 16.4490% | 2,496 |
| Total risk-based capital ratio | 16.9336% | 2,760 |
| Memoranda: | ||
| Average total assets | $22,501,500 | 6,006 |
| Average earning assets | $19,880,500 | 5,998 |
| Average equity | $3,050,500 | 5,941 |
| Average total loans | $8,844,000 | 5,986 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6826% | 4,421 |
| Cost of funding earning assets | 0.2076% | 5,218 |
| Net interest margin | 3.4750% | 3,615 |
| Noninterest income to average assets | 0.5547% | 2,991 |
| Noninterest expense to average assets | 3.7558% | 912 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1505% | 5,948 |
| Return on assets (ROA) | -0.1505% | 5,964 |
| Pretax return on assets | -0.1505% | 5,949 |
| Return on Equity (ROE) | -1.2888% | 5,951 |
| Retained earnings to average equity (ytd only) | -1.2888% | 5,693 |
| Net charge-offs to loans | 0.0113% | 4,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -38.0000% | 4,448 |
| Efficiency ratio | 104.1758% | 213 |
| Assets per employee ($millions) | 3.3217% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 5,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,931 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 38.4698% | 5,602 |
| Net loans and leases to deposits | 45.0063% | 5,611 |
| Net loans and leases to core deposits | 45.0063% | 5,682 |
| Total domestic deposits to total assets | 85.4765% | 2,874 |
| Equity capital to assets | 12.9021% | 1,398 |
| Core capital (leverage) ratio | 8.7941% | 5,116 |
| Tier 1 risk-based capital ratio | 16.2236% | 2,598 |
| Total risk-based capital ratio | 16.6975% | 2,899 |
| Memoranda: | ||
| Average total assets | $25,241,000 | 6,021 |
| Average earning assets | $22,158,000 | 6,024 |
| Average equity | $2,948,400 | 6,011 |
| Average total loans | $8,857,800 | 6,036 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5771% | 4,802 |
| Cost of funding earning assets | 0.2070% | 5,317 |
| Net interest margin | 3.3701% | 4,080 |
| Noninterest income to average assets | 0.5491% | 3,059 |
| Noninterest expense to average assets | 3.7039% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2020% | 6,045 |
| Return on assets (ROA) | -0.2020% | 6,060 |
| Pretax return on assets | -0.2020% | 6,050 |
| Return on Equity (ROE) | -1.7714% | 6,058 |
| Retained earnings to average equity (ytd only) | -1.7714% | 5,833 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7692% | 193 |
| Assets per employee ($millions) | 2.7711% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6501% | 5,818 |
| Loan loss allowance to noncurrent loans | 214.2857% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 4,689 |
| Noncurrent loans to loans | 0.3034% | 4,517 |
| Net loans and leases to total assets | 36.7642% | 5,759 |
| Net loans and leases to deposits | 42.4157% | 5,788 |
| Net loans and leases to core deposits | 42.4157% | 5,844 |
| Total domestic deposits to total assets | 86.6760% | 2,195 |
| Equity capital to assets | 11.7723% | 2,291 |
| Core capital (leverage) ratio | 8.0106% | 5,897 |
| Tier 1 risk-based capital ratio | 16.0621% | 2,765 |
| Total risk-based capital ratio | 16.5394% | 3,081 |
| Memoranda: | ||
| Average total assets | $25,738,250 | 6,104 |
| Average earning assets | $22,550,500 | 6,103 |
| Average equity | $2,935,500 | 6,093 |
| Average total loans | $8,821,250 | 6,122 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4834% | 5,032 |
| Cost of funding earning assets | 0.2023% | 5,416 |
| Net interest margin | 3.2810% | 4,370 |
| Noninterest income to average assets | 0.5002% | 3,377 |
| Noninterest expense to average assets | 3.7476% | 931 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.3771% | 6,154 |
| Return on assets (ROA) | -0.3771% | 6,169 |
| Pretax return on assets | -0.3771% | 6,161 |
| Return on Equity (ROE) | -3.3554% | 6,164 |
| Retained earnings to average equity (ytd only) | -3.3554% | 5,943 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.1872% | 161 |
| Assets per employee ($millions) | 2.9484% | 5,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6600% | 5,884 |
| Loan loss allowance to noncurrent loans | 10.6762% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 2.2648% | 907 |
| Noncurrent loans to loans | 6.1819% | 151 |
| Net loans and leases to total assets | 34.0330% | 5,908 |
| Net loans and leases to deposits | 38.7946% | 5,945 |
| Net loans and leases to core deposits | 38.7946% | 5,994 |
| Total domestic deposits to total assets | 87.7261% | 1,782 |
| Equity capital to assets | 10.7891% | 3,125 |
| Core capital (leverage) ratio | 7.8865% | 5,983 |
| Tier 1 risk-based capital ratio | 15.1522% | 3,277 |
| Total risk-based capital ratio | 15.6077% | 3,647 |
| Memoranda: | ||
| Average total assets | $25,989,670 | 6,172 |
| Average earning assets | $22,736,670 | 6,167 |
| Average equity | $2,920,670 | 6,157 |
| Average total loans | $8,685,330 | 6,193 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4906% | 4,999 |
| Cost of funding earning assets | 0.1949% | 5,556 |
| Net interest margin | 3.2957% | 4,236 |
| Noninterest income to average assets | 0.4977% | 3,300 |
| Noninterest expense to average assets | 3.8886% | 781 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.4977% | 6,245 |
| Return on assets (ROA) | -0.4977% | 6,254 |
| Pretax return on assets | -0.4977% | 6,242 |
| Return on Equity (ROE) | -4.3397% | 6,247 |
| Retained earnings to average equity (ytd only) | -4.3397% | 5,886 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.6789% | 162 |
| Assets per employee ($millions) | 2.9264% | 5,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 5,847 |
| Loan loss allowance to noncurrent loans | 89.5522% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 4,415 |
| Noncurrent loans to loans | 0.8167% | 3,208 |
| Net loans and leases to total assets | 30.9211% | 6,036 |
| Net loans and leases to deposits | 35.4827% | 6,074 |
| Net loans and leases to core deposits | 35.4827% | 6,112 |
| Total domestic deposits to total assets | 87.1441% | 2,295 |
| Equity capital to assets | 11.3524% | 2,594 |
| Core capital (leverage) ratio | 7.7966% | 6,032 |
| Tier 1 risk-based capital ratio | 16.8325% | 2,542 |
| Total risk-based capital ratio | 17.3342% | 2,817 |
| Memoranda: | ||
| Average total assets | $25,716,500 | 6,246 |
| Average earning assets | $22,575,000 | 6,238 |
| Average equity | $2,949,500 | 6,215 |
| Average total loans | $8,482,500 | 6,270 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 3,801 |
| Cost of funding earning assets | 0.1955% | 5,782 |
| Net interest margin | 3.7831% | 2,684 |
| Noninterest income to average assets | 0.3033% | 4,944 |
| Noninterest expense to average assets | 3.6288% | 1,252 |
| Loan and lease loss provision to assets | -0.1739% | 6,259 |
| Net operating income to assets | 0.0703% | 5,993 |
| Return on assets (ROA) | 0.0222% | 6,084 |
| Pretax return on assets | 0.0222% | 6,071 |
| Return on Equity (ROE) | 0.2312% | 6,083 |
| Retained earnings to average equity (ytd only) | -2.8127% | 6,076 |
| Net charge-offs to loans | -0.6040% | 6,416 |
| Credit loss provision to net charge-offs | 94.0000% | 2,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9381% | 306 |
| Assets per employee ($millions) | 2.7883% | 5,943 |
| Cash dividends to net income (ytd only)* | 1,316.6667% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 4,673 |
| Loan loss allowance to noncurrent loans | 73.4375% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 3,508 |
| Noncurrent loans to loans | 1.4620% | 2,010 |
| Net loans and leases to total assets | 34.5129% | 6,019 |
| Net loans and leases to deposits | 39.7403% | 6,047 |
| Net loans and leases to core deposits | 39.7403% | 6,099 |
| Total domestic deposits to total assets | 86.8460% | 2,360 |
| Equity capital to assets | 11.5920% | 2,354 |
| Core capital (leverage) ratio | 8.1771% | 5,869 |
| Tier 1 risk-based capital ratio | 16.1673% | 2,876 |
| Total risk-based capital ratio | 16.9104% | 3,078 |
| Memoranda: | ||
| Average total assets | $27,033,600 | 6,313 |
| Average earning assets | $23,023,200 | 6,316 |
| Average equity | $2,595,400 | 6,334 |
| Average total loans | $8,278,600 | 6,360 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9993% | 3,762 |
| Cost of funding earning assets | 0.1883% | 5,932 |
| Net interest margin | 3.8110% | 2,573 |
| Noninterest income to average assets | 0.4554% | 3,854 |
| Noninterest expense to average assets | 3.6775% | 1,154 |
| Loan and lease loss provision to assets | -0.2277% | 6,411 |
| Net operating income to assets | 0.2423% | 5,748 |
| Return on assets (ROA) | 0.1793% | 5,929 |
| Pretax return on assets | 0.1793% | 5,973 |
| Return on Equity (ROE) | 1.9599% | 5,855 |
| Retained earnings to average equity (ytd only) | 0.1061% | 5,768 |
| Net charge-offs to loans | -0.2288% | 6,333 |
| Credit loss provision to net charge-offs | 335.7143% | 832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6063% | 381 |
| Assets per employee ($millions) | 3.0559% | 5,670 |
| Cash dividends to net income (ytd only)* | 94.6077% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6429% | 6,172 |
| Loan loss allowance to noncurrent loans | 43.8462% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 1.1090% | 2,734 |
| Noncurrent loans to loans | 1.4663% | 2,215 |
| Net loans and leases to total assets | 32.0292% | 6,182 |
| Net loans and leases to deposits | 40.1779% | 6,111 |
| Net loans and leases to core deposits | 40.1779% | 6,173 |
| Total domestic deposits to total assets | 79.7186% | 5,170 |
| Equity capital to assets | 10.1807% | 3,956 |
| Core capital (leverage) ratio | 7.9738% | 6,087 |
| Tier 1 risk-based capital ratio | 15.8616% | 3,121 |
| Total risk-based capital ratio | 16.2885% | 3,499 |
| Memoranda: | ||
| Average total assets | $27,518,250 | 6,376 |
| Average earning assets | $23,370,250 | 6,385 |
| Average equity | $2,517,000 | 6,423 |
| Average total loans | $8,159,500 | 6,436 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9075% | 4,111 |
| Cost of funding earning assets | 0.2000% | 5,913 |
| Net interest margin | 3.7076% | 2,931 |
| Noninterest income to average assets | 0.4287% | 4,035 |
| Noninterest expense to average assets | 3.6551% | 1,203 |
| Loan and lease loss provision to assets | -0.3415% | 6,544 |
| Net operating income to assets | 0.3488% | 5,407 |
| Return on assets (ROA) | 0.3488% | 5,478 |
| Pretax return on assets | 0.3488% | 5,677 |
| Return on Equity (ROE) | 3.9626% | 5,163 |
| Retained earnings to average equity (ytd only) | 1.0732% | 5,329 |
| Net charge-offs to loans | -0.3281% | 6,452 |
| Credit loss provision to net charge-offs | 361.5385% | 748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8016% | 410 |
| Assets per employee ($millions) | 3.0749% | 5,640 |
| Cash dividends to net income (ytd only)* | 72.9167% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6749% | 6,212 |
| Loan loss allowance to noncurrent loans | 22.0930% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 1.5394% | 2,118 |
| Noncurrent loans to loans | 3.0547% | 937 |
| Net loans and leases to total assets | 30.3137% | 6,294 |
| Net loans and leases to deposits | 35.5421% | 6,307 |
| Net loans and leases to core deposits | 36.1548% | 6,326 |
| Total domestic deposits to total assets | 85.2894% | 3,366 |
| Equity capital to assets | 9.6047% | 4,615 |
| Core capital (leverage) ratio | 8.0057% | 6,098 |
| Tier 1 risk-based capital ratio | 16.4238% | 2,866 |
| Total risk-based capital ratio | 16.8633% | 3,238 |
| Memoranda: | ||
| Average total assets | $27,523,330 | 6,435 |
| Average earning assets | $24,005,000 | 6,432 |
| Average equity | $2,422,670 | 6,493 |
| Average total loans | $7,924,000 | 6,510 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 4,179 |
| Cost of funding earning assets | 0.1855% | 6,113 |
| Net interest margin | 3.6939% | 2,884 |
| Noninterest income to average assets | 0.2915% | 5,043 |
| Noninterest expense to average assets | 3.6287% | 1,254 |
| Loan and lease loss provision to assets | -0.6849% | 6,688 |
| Net operating income to assets | 0.5392% | 4,505 |
| Return on assets (ROA) | 0.5392% | 4,578 |
| Pretax return on assets | 0.5392% | 5,049 |
| Return on Equity (ROE) | 6.4208% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.4208% | 2,327 |
| Net charge-offs to loans | -0.7308% | 6,601 |
| Credit loss provision to net charge-offs | 335.7143% | 734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1841% | 366 |
| Assets per employee ($millions) | 3.1493% | 5,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7191% | 6,256 |
| Loan loss allowance to noncurrent loans | 22.0077% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 1.5065% | 2,347 |
| Noncurrent loans to loans | 3.2673% | 936 |
| Net loans and leases to total assets | 27.7660% | 6,421 |
| Net loans and leases to deposits | 31.6458% | 6,445 |
| Net loans and leases to core deposits | 32.1631% | 6,458 |
| Total domestic deposits to total assets | 87.7399% | 2,393 |
| Equity capital to assets | 8.6756% | 5,461 |
| Core capital (leverage) ratio | 8.0862% | 6,053 |
| Tier 1 risk-based capital ratio | 16.9860% | 2,701 |
| Total risk-based capital ratio | 17.4355% | 3,027 |
| Memoranda: | ||
| Average total assets | $27,448,000 | 6,507 |
| Average earning assets | $23,715,000 | 6,506 |
| Average equity | $2,305,000 | 6,565 |
| Average total loans | $7,663,000 | 6,586 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 3,631 |
| Cost of funding earning assets | 0.2260% | 6,138 |
| Net interest margin | 3.9013% | 2,278 |
| Noninterest income to average assets | 0.2104% | 5,825 |
| Noninterest expense to average assets | 3.4819% | 1,698 |
| Loan and lease loss provision to assets | -0.9467% | 6,793 |
| Net operating income to assets | 1.0518% | 2,111 |
| Return on assets (ROA) | 1.0518% | 2,181 |
| Pretax return on assets | 1.0555% | 3,132 |
| Return on Equity (ROE) | 11.3193% | 1,667 |
| Retained earnings to average equity (ytd only) | 11.3193% | 385 |
| Net charge-offs to loans | -2.9002% | 6,771 |
| Credit loss provision to net charge-offs | 108.7500% | 2,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9697% | 589 |
| Assets per employee ($millions) | 2.6552% | 6,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 4,565 |
| Loan loss allowance to noncurrent loans | 91.8367% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0432% | 3,333 |
| Noncurrent loans to loans | 1.3245% | 2,923 |
| Net loans and leases to total assets | 27.5271% | 6,534 |
| Net loans and leases to deposits | 31.2431% | 6,556 |
| Net loans and leases to core deposits | 31.7866% | 6,566 |
| Total domestic deposits to total assets | 88.1064% | 2,116 |
| Equity capital to assets | 8.1011% | 5,934 |
| Core capital (leverage) ratio | 8.1161% | 6,042 |
| Tier 1 risk-based capital ratio | 17.1528% | 2,538 |
| Total risk-based capital ratio | 17.8820% | 2,745 |
| Memoranda: | ||
| Average total assets | $27,570,800 | 6,569 |
| Average earning assets | $23,889,400 | 6,577 |
| Average equity | $2,562,000 | 6,615 |
| Average total loans | $8,275,200 | 6,641 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1784% | 3,464 |
| Cost of funding earning assets | 0.2321% | 6,206 |
| Net interest margin | 3.9463% | 2,127 |
| Noninterest income to average assets | 0.1054% | 6,463 |
| Noninterest expense to average assets | 3.3685% | 1,899 |
| Loan and lease loss provision to assets | -0.0479% | 6,549 |
| Net operating income to assets | 0.2060% | 5,898 |
| Return on assets (ROA) | 0.2060% | 5,983 |
| Pretax return on assets | 0.2060% | 6,032 |
| Return on Equity (ROE) | 2.1514% | 5,893 |
| Retained earnings to average equity (ytd only) | 2.1514% | 5,023 |
| Net charge-offs to loans | -0.1727% | 6,623 |
| Credit loss provision to net charge-offs | 90.9091% | 2,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5163% | 648 |
| Assets per employee ($millions) | 2.7450% | 6,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 3,781 |
| Loan loss allowance to noncurrent loans | 215.3846% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.8780% | 3,919 |
| Noncurrent loans to loans | 0.6623% | 4,545 |
| Net loans and leases to total assets | 28.1967% | 6,593 |
| Net loans and leases to deposits | 30.9997% | 6,644 |
| Net loans and leases to core deposits | 31.5044% | 6,653 |
| Total domestic deposits to total assets | 90.9581% | 550 |
| Equity capital to assets | 7.5993% | 6,354 |
| Core capital (leverage) ratio | 7.0212% | 6,582 |
| Tier 1 risk-based capital ratio | 15.4398% | 3,501 |
| Total risk-based capital ratio | 16.3641% | 3,629 |
| Memoranda: | ||
| Average total assets | $27,825,500 | 6,645 |
| Average earning assets | $24,123,500 | 6,646 |
| Average equity | $2,664,750 | 6,670 |
| Average total loans | $8,494,250 | 6,708 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3737% | 2,665 |
| Cost of funding earning assets | 0.2416% | 6,233 |
| Net interest margin | 4.1321% | 1,458 |
| Noninterest income to average assets | 0.9445% | 1,678 |
| Noninterest expense to average assets | 3.3130% | 2,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1807% | 1,641 |
| Return on assets (ROA) | 1.1807% | 1,750 |
| Pretax return on assets | 1.1807% | 2,759 |
| Return on Equity (ROE) | 11.5479% | 1,620 |
| Retained earnings to average equity (ytd only) | 11.5479% | 558 |
| Net charge-offs to loans | -0.2756% | 6,740 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7261% | 3,183 |
| Assets per employee ($millions) | 2.9235% | 5,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 3,420 |
| Loan loss allowance to noncurrent loans | 145.2381% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 2.1584% | 2,002 |
| Noncurrent loans to loans | 1.0569% | 3,820 |
| Net loans and leases to total assets | 26.7693% | 6,663 |
| Net loans and leases to deposits | 29.8702% | 6,702 |
| Net loans and leases to core deposits | 29.8702% | 6,721 |
| Total domestic deposits to total assets | 89.6186% | 1,253 |
| Equity capital to assets | 8.9311% | 5,291 |
| Core capital (leverage) ratio | 7.2701% | 6,539 |
| Tier 1 risk-based capital ratio | 15.2527% | 3,626 |
| Total risk-based capital ratio | 16.1868% | 3,782 |
| Memoranda: | ||
| Average total assets | $27,950,670 | 6,692 |
| Average earning assets | $24,007,000 | 6,703 |
| Average equity | $2,857,670 | 6,683 |
| Average total loans | $8,708,330 | 6,754 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 4,547 |
| Cost of funding earning assets | 0.2553% | 6,255 |
| Net interest margin | 3.6257% | 3,161 |
| Noninterest income to average assets | 0.9667% | 1,564 |
| Noninterest expense to average assets | 3.1931% | 2,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8935% | 2,684 |
| Return on assets (ROA) | 0.8935% | 2,832 |
| Pretax return on assets | 0.8935% | 3,787 |
| Return on Equity (ROE) | 8.1852% | 2,887 |
| Retained earnings to average equity (ytd only) | 8.1852% | 1,689 |
| Net charge-offs to loans | -0.5281% | 6,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1362% | 2,588 |
| Assets per employee ($millions) | 3.2110% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 3,849 |
| Loan loss allowance to noncurrent loans | 137.0787% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 2.2008% | 2,116 |
| Noncurrent loans to loans | 1.0908% | 3,965 |
| Net loans and leases to total assets | 27.8107% | 6,670 |
| Net loans and leases to deposits | 31.4942% | 6,702 |
| Net loans and leases to core deposits | 31.4942% | 6,734 |
| Total domestic deposits to total assets | 88.3041% | 2,125 |
| Equity capital to assets | 10.2703% | 3,832 |
| Core capital (leverage) ratio | 6.8906% | 6,675 |
| Tier 1 risk-based capital ratio | 15.4482% | 3,559 |
| Total risk-based capital ratio | 16.4459% | 3,659 |
| Memoranda: | ||
| Average total assets | $27,308,500 | 6,771 |
| Average earning assets | $23,499,000 | 6,775 |
| Average equity | $2,981,000 | 6,727 |
| Average total loans | $9,088,500 | 6,808 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7146% | 2,539 |
| Cost of funding earning assets | 0.3648% | 6,133 |
| Net interest margin | 4.3497% | 1,287 |
| Noninterest income to average assets | 0.8571% | 2,005 |
| Noninterest expense to average assets | 3.5988% | 1,613 |
| Loan and lease loss provision to assets | 0.7023% | 730 |
| Net operating income to assets | 0.1984% | 5,790 |
| Return on assets (ROA) | 0.1984% | 5,963 |
| Pretax return on assets | 0.1984% | 5,992 |
| Return on Equity (ROE) | 1.6888% | 5,982 |
| Retained earnings to average equity (ytd only) | 1.6888% | 5,013 |
| Net charge-offs to loans | 2.4779% | 246 |
| Credit loss provision to net charge-offs | 67.5573% | 4,233 |
| Earnings coverage of net charge-offs (x) | 0.8664% | 5,039 |
| Efficiency ratio | 79.9824% | 2,149 |
| Assets per employee ($millions) | 2.5718% | 6,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 5,528 |
| Loan loss allowance to noncurrent loans | 124.7191% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 2.4730% | 1,976 |
| Noncurrent loans to loans | 0.8884% | 4,399 |
| Net loans and leases to total assets | 38.5217% | 6,263 |
| Net loans and leases to deposits | 44.3822% | 6,347 |
| Net loans and leases to core deposits | 44.3822% | 6,446 |
| Total domestic deposits to total assets | 86.7952% | 2,937 |
| Equity capital to assets | 11.6417% | 2,314 |
| Core capital (leverage) ratio | 7.2846% | 6,596 |
| Tier 1 risk-based capital ratio | 12.8137% | 5,244 |
| Total risk-based capital ratio | 13.5918% | 5,524 |
| Memoranda: | ||
| Average total assets | $25,202,600 | 6,867 |
| Average earning assets | $21,104,800 | 6,883 |
| Average equity | $2,960,600 | 6,792 |
| Average total loans | $10,573,400 | 6,827 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 2,065 |
| Cost of funding earning assets | 0.3944% | 6,152 |
| Net interest margin | 4.4910% | 1,010 |
| Noninterest income to average assets | 0.7817% | 2,326 |
| Noninterest expense to average assets | 3.4936% | 1,778 |
| Loan and lease loss provision to assets | -0.0266% | 6,969 |
| Net operating income to assets | 1.0688% | 2,221 |
| Return on assets (ROA) | 1.0688% | 2,431 |
| Pretax return on assets | 1.0688% | 3,469 |
| Return on Equity (ROE) | 9.0775% | 2,761 |
| Retained earnings to average equity (ytd only) | 9.0775% | 1,199 |
| Net charge-offs to loans | -0.0249% | 6,544 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0223% | 2,521 |
| Assets per employee ($millions) | 2.6994% | 6,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8011% | 2,793 |
| Loan loss allowance to noncurrent loans | 62.5407% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 4.1380% | 1,159 |
| Noncurrent loans to loans | 2.8799% | 1,949 |
| Net loans and leases to total assets | 38.7790% | 6,371 |
| Net loans and leases to deposits | 44.5883% | 6,474 |
| Net loans and leases to core deposits | 44.5883% | 6,574 |
| Total domestic deposits to total assets | 86.9712% | 2,685 |
| Equity capital to assets | 11.5989% | 2,648 |
| Core capital (leverage) ratio | 7.6584% | 6,547 |
| Tier 1 risk-based capital ratio | 13.0132% | 5,241 |
| Total risk-based capital ratio | 14.0921% | 5,344 |
| Memoranda: | ||
| Average total assets | $25,073,750 | 6,952 |
| Average earning assets | $20,960,000 | 6,974 |
| Average equity | $2,952,250 | 6,884 |
| Average total loans | $10,712,250 | 6,913 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0526% | 1,655 |
| Cost of funding earning assets | 0.4432% | 6,012 |
| Net interest margin | 4.6094% | 809 |
| Noninterest income to average assets | 0.7449% | 2,442 |
| Noninterest expense to average assets | 3.5279% | 1,727 |
| Loan and lease loss provision to assets | -0.1146% | 7,112 |
| Net operating income to assets | 1.1623% | 1,846 |
| Return on assets (ROA) | 1.1623% | 2,044 |
| Pretax return on assets | 1.1623% | 3,074 |
| Return on Equity (ROE) | 9.8179% | 2,436 |
| Retained earnings to average equity (ytd only) | 9.8179% | 1,023 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1020% | 2,577 |
| Assets per employee ($millions) | 2.5304% | 6,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 3,149 |
| Loan loss allowance to noncurrent loans | 162.5000% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 1.8969% | 2,910 |
| Noncurrent loans to loans | 1.0579% | 4,400 |
| Net loans and leases to total assets | 41.1200% | 6,261 |
| Net loans and leases to deposits | 47.5809% | 6,337 |
| Net loans and leases to core deposits | 47.5809% | 6,488 |
| Total domestic deposits to total assets | 86.4211% | 3,123 |
| Equity capital to assets | 12.0692% | 2,097 |
| Core capital (leverage) ratio | 8.2205% | 6,023 |
| Tier 1 risk-based capital ratio | 14.3713% | 4,197 |
| Total risk-based capital ratio | 15.6220% | 4,157 |
| Memoranda: | ||
| Average total assets | $24,433,670 | 7,028 |
| Average earning assets | $20,306,330 | 7,044 |
| Average equity | $2,892,670 | 6,934 |
| Average total loans | $10,729,670 | 6,974 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2914% | 1,113 |
| Cost of funding earning assets | 0.4829% | 5,924 |
| Net interest margin | 4.8085% | 554 |
| Noninterest income to average assets | 0.8667% | 1,879 |
| Noninterest expense to average assets | 3.4169% | 1,963 |
| Loan and lease loss provision to assets | -0.4500% | 7,251 |
| Net operating income to assets | 1.8835% | 507 |
| Return on assets (ROA) | 1.8835% | 583 |
| Pretax return on assets | 1.8835% | 913 |
| Return on Equity (ROE) | 16.0740% | 797 |
| Retained earnings to average equity (ytd only) | 16.0740% | 361 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4467% | 3,728 |
| Assets per employee ($millions) | 2.4662% | 6,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6870% | 3,397 |
| Loan loss allowance to noncurrent loans | 146.9565% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 1.9220% | 3,019 |
| Noncurrent loans to loans | 1.1479% | 4,413 |
| Net loans and leases to total assets | 39.9359% | 6,355 |
| Net loans and leases to deposits | 45.9675% | 6,435 |
| Net loans and leases to core deposits | 45.9675% | 6,572 |
| Total domestic deposits to total assets | 86.8786% | 3,028 |
| Equity capital to assets | 11.5279% | 2,416 |
| Core capital (leverage) ratio | 7.9762% | 6,277 |
| Tier 1 risk-based capital ratio | 14.9439% | 3,793 |
| Total risk-based capital ratio | 16.1688% | 3,778 |
| Memoranda: | ||
| Average total assets | $23,998,500 | 7,099 |
| Average earning assets | $19,881,500 | 7,115 |
| Average equity | $2,812,000 | 7,000 |
| Average total loans | $10,801,000 | 7,032 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6363% | 890 |
| Cost of funding earning assets | 0.6727% | 5,698 |
| Net interest margin | 4.9635% | 444 |
| Noninterest income to average assets | 0.5794% | 3,301 |
| Noninterest expense to average assets | 3.9735% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6113% | 3,940 |
| Return on assets (ROA) | 0.6113% | 4,124 |
| Pretax return on assets | 0.6113% | 4,659 |
| Return on Equity (ROE) | 5.0463% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.0463% | 2,606 |
| Net charge-offs to loans | -0.0089% | 6,877 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6667% | 1,482 |
| Assets per employee ($millions) | 2.3335% | 6,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6920% | 3,235 |
| Loan loss allowance to noncurrent loans | 72.8625% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.8684% | 3,157 |
| Noncurrent loans to loans | 2.3222% | 2,838 |
| Net loans and leases to total assets | 48.8022% | 5,741 |
| Net loans and leases to deposits | 56.5358% | 5,833 |
| Net loans and leases to core deposits | 57.2520% | 6,061 |
| Total domestic deposits to total assets | 86.3210% | 3,130 |
| Equity capital to assets | 11.9177% | 2,188 |
| Core capital (leverage) ratio | 8.5044% | 5,553 |
| Tier 1 risk-based capital ratio | 12.6154% | 5,356 |
| Total risk-based capital ratio | 13.8648% | 5,345 |
| Memoranda: | ||
| Average total assets | $21,920,400 | 7,165 |
| Average earning assets | $17,689,000 | 7,189 |
| Average equity | $2,655,400 | 7,082 |
| Average total loans | $11,214,200 | 7,070 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6157% | 1,004 |
| Cost of funding earning assets | 0.6972% | 5,786 |
| Net interest margin | 4.9185% | 490 |
| Noninterest income to average assets | 0.5687% | 3,378 |
| Noninterest expense to average assets | 3.9875% | 1,017 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5502% | 4,320 |
| Return on assets (ROA) | 0.5502% | 4,500 |
| Pretax return on assets | 0.5502% | 4,972 |
| Return on Equity (ROE) | 4.5221% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.5221% | 3,499 |
| Net charge-offs to loans | -0.0120% | 6,807 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8747% | 1,356 |
| Assets per employee ($millions) | 2.8270% | 6,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 3,486 |
| Loan loss allowance to noncurrent loans | 127.2727% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 1.4193% | 3,998 |
| Noncurrent loans to loans | 1.2885% | 4,378 |
| Net loans and leases to total assets | 51.9809% | 5,447 |
| Net loans and leases to deposits | 60.4826% | 5,583 |
| Net loans and leases to core deposits | 61.2738% | 5,881 |
| Total domestic deposits to total assets | 85.9436% | 3,250 |
| Equity capital to assets | 12.2745% | 2,038 |
| Core capital (leverage) ratio | 8.2179% | 6,113 |
| Tier 1 risk-based capital ratio | 12.0967% | 5,822 |
| Total risk-based capital ratio | 13.3678% | 5,796 |
| Memoranda: | ||
| Average total assets | $21,566,750 | 7,243 |
| Average earning assets | $17,403,250 | 7,269 |
| Average equity | $2,624,000 | 7,156 |
| Average total loans | $11,121,750 | 7,143 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3399% | 1,746 |
| Cost of funding earning assets | 0.7105% | 5,901 |
| Net interest margin | 4.6294% | 855 |
| Noninterest income to average assets | 0.5467% | 3,495 |
| Noninterest expense to average assets | 3.9120% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4430% | 4,750 |
| Return on assets (ROA) | 0.4430% | 4,889 |
| Pretax return on assets | 0.4430% | 5,252 |
| Return on Equity (ROE) | 3.6529% | 5,091 |
| Retained earnings to average equity (ytd only) | 3.6529% | 3,902 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8268% | 1,251 |
| Assets per employee ($millions) | 2.1820% | 7,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8936% | 2,689 |
| Loan loss allowance to noncurrent loans | 79.2683% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.8928% | 3,375 |
| Noncurrent loans to loans | 2.3888% | 2,998 |
| Net loans and leases to total assets | 46.3016% | 6,233 |
| Net loans and leases to deposits | 53.8539% | 6,311 |
| Net loans and leases to core deposits | 54.5843% | 6,526 |
| Total domestic deposits to total assets | 85.9762% | 3,338 |
| Equity capital to assets | 12.2181% | 1,954 |
| Core capital (leverage) ratio | 8.0182% | 6,279 |
| Tier 1 risk-based capital ratio | 13.0210% | 4,898 |
| Total risk-based capital ratio | 14.2230% | 4,919 |
| Memoranda: | ||
| Average total assets | $21,217,000 | 7,318 |
| Average earning assets | $17,453,670 | 7,340 |
| Average equity | $2,573,330 | 7,232 |
| Average total loans | $10,845,000 | 7,227 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0728% | 2,762 |
| Cost of funding earning assets | 0.7515% | 5,847 |
| Net interest margin | 4.3213% | 1,505 |
| Noninterest income to average assets | 0.5355% | 3,616 |
| Noninterest expense to average assets | 3.8249% | 1,300 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2295% | 5,683 |
| Return on assets (ROA) | 0.2295% | 5,747 |
| Pretax return on assets | 0.2295% | 5,872 |
| Return on Equity (ROE) | 1.8995% | 5,827 |
| Retained earnings to average equity (ytd only) | 1.8995% | 4,988 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3396% | 1,023 |
| Assets per employee ($millions) | 2.1649% | 7,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 2,921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7483% | 5,432 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 48.3440% | 6,039 |
| Net loans and leases to deposits | 55.9829% | 6,126 |
| Net loans and leases to core deposits | 55.9829% | 6,411 |
| Total domestic deposits to total assets | 86.3550% | 3,302 |
| Equity capital to assets | 11.8019% | 2,041 |
| Core capital (leverage) ratio | 7.6120% | 6,644 |
| Tier 1 risk-based capital ratio | 12.9601% | 4,857 |
| Total risk-based capital ratio | 14.2130% | 4,840 |
| Memoranda: | ||
| Average total assets | $20,915,500 | 7,383 |
| Average earning assets | $17,032,000 | 7,407 |
| Average equity | $2,527,000 | 7,289 |
| Average total loans | $11,118,500 | 7,267 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0073% | 4,525 |
| Cost of funding earning assets | 1.0240% | 5,566 |
| Net interest margin | 3.9833% | 3,088 |
| Noninterest income to average assets | 0.9153% | 1,793 |
| Noninterest expense to average assets | 3.5681% | 2,012 |
| Loan and lease loss provision to assets | -0.0883% | 7,604 |
| Net operating income to assets | 0.7248% | 3,127 |
| Return on assets (ROA) | 0.9664% | 2,264 |
| Pretax return on assets | 0.9664% | 3,043 |
| Return on Equity (ROE) | 8.2006% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.2006% | 914 |
| Net charge-offs to loans | 0.2468% | 4,812 |
| Credit loss provision to net charge-offs | -76.0000% | 7,017 |
| Earnings coverage of net charge-offs (x) | 5.4800% | 2,613 |
| Efficiency ratio | 84.8619% | 1,815 |
| Assets per employee ($millions) | 2.0182% | 7,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 3,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7878% | 5,434 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 56.3918% | 5,281 |
| Net loans and leases to deposits | 65.8585% | 5,419 |
| Net loans and leases to core deposits | 65.8585% | 5,891 |
| Total domestic deposits to total assets | 85.6258% | 3,537 |
| Equity capital to assets | 12.3823% | 1,705 |
| Core capital (leverage) ratio | 8.7626% | 4,912 |
| Tier 1 risk-based capital ratio | 11.3140% | 6,077 |
| Total risk-based capital ratio | 12.4852% | 6,132 |
| Memoranda: | ||
| Average total assets | $21,523,800 | 7,434 |
| Average earning assets | $17,774,000 | 7,452 |
| Average equity | $2,536,400 | 7,388 |
| Average total loans | $10,128,000 | 7,387 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8020% | 5,653 |
| Cost of funding earning assets | 1.0884% | 5,492 |
| Net interest margin | 3.7137% | 4,337 |
| Noninterest income to average assets | 1.4822% | 619 |
| Noninterest expense to average assets | 3.4767% | 2,090 |
| Loan and lease loss provision to assets | -0.1708% | 7,709 |
| Net operating income to assets | 1.2565% | 1,454 |
| Return on assets (ROA) | 1.5737% | 855 |
| Pretax return on assets | 1.5737% | 1,412 |
| Return on Equity (ROE) | 13.5123% | 1,140 |
| Retained earnings to average equity (ytd only) | 13.5123% | 303 |
| Net charge-offs to loans | -0.0136% | 7,301 |
| Credit loss provision to net charge-offs | 2,800.0000% | 105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2032% | 2,907 |
| Assets per employee ($millions) | 2.8514% | 6,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9619% | 2,318 |
| Loan loss allowance to noncurrent loans | 60.3989% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 2.7255% | 2,662 |
| Noncurrent loans to loans | 3.2482% | 2,441 |
| Net loans and leases to total assets | 53.0762% | 5,975 |
| Net loans and leases to deposits | 62.4683% | 6,065 |
| Net loans and leases to core deposits | 62.4683% | 6,413 |
| Total domestic deposits to total assets | 84.9649% | 3,635 |
| Equity capital to assets | 13.0812% | 1,532 |
| Core capital (leverage) ratio | 8.5144% | 5,480 |
| Tier 1 risk-based capital ratio | 11.0064% | 6,380 |
| Total risk-based capital ratio | 12.0856% | 6,494 |
| Memoranda: | ||
| Average total assets | $21,859,250 | 7,516 |
| Average earning assets | $18,130,750 | 7,543 |
| Average equity | $2,545,750 | 7,482 |
| Average total loans | $9,766,000 | 7,501 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6171% | 6,409 |
| Cost of funding earning assets | 1.1357% | 5,482 |
| Net interest margin | 3.4814% | 5,319 |
| Noninterest income to average assets | 1.8673% | 387 |
| Noninterest expense to average assets | 3.2011% | 2,898 |
| Loan and lease loss provision to assets | -0.2401% | 7,786 |
| Net operating income to assets | 1.8228% | 465 |
| Return on assets (ROA) | 2.2674% | 220 |
| Pretax return on assets | 2.2674% | 358 |
| Return on Equity (ROE) | 20.2060% | 306 |
| Retained earnings to average equity (ytd only) | 20.2060% | 85 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9145% | 4,783 |
| Assets per employee ($millions) | 2.9267% | 6,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0062% | 2,160 |
| Loan loss allowance to noncurrent loans | 57.6087% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 2.7383% | 2,645 |
| Noncurrent loans to loans | 3.4825% | 2,274 |
| Net loans and leases to total assets | 50.5442% | 6,369 |
| Net loans and leases to deposits | 59.0938% | 6,491 |
| Net loans and leases to core deposits | 61.9392% | 6,555 |
| Total domestic deposits to total assets | 85.5323% | 3,357 |
| Equity capital to assets | 12.5397% | 1,769 |
| Core capital (leverage) ratio | 7.6488% | 6,676 |
| Tier 1 risk-based capital ratio | 12.2748% | 5,056 |
| Total risk-based capital ratio | 13.4515% | 5,097 |
| Memoranda: | ||
| Average total assets | $22,492,330 | 7,566 |
| Average earning assets | $18,843,000 | 7,590 |
| Average equity | $2,524,000 | 7,541 |
| Average total loans | $9,419,330 | 7,574 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 7,415 |
| Cost of funding earning assets | 1.1636% | 5,585 |
| Net interest margin | 2.8889% | 7,035 |
| Noninterest income to average assets | 3.0815% | 208 |
| Noninterest expense to average assets | 2.9113% | 4,015 |
| Loan and lease loss provision to assets | -0.5278% | 7,902 |
| Net operating income to assets | 3.1496% | 87 |
| Return on assets (ROA) | 3.2347% | 85 |
| Pretax return on assets | 3.2347% | 119 |
| Return on Equity (ROE) | 30.3818% | 87 |
| Retained earnings to average equity (ytd only) | 30.3818% | 64 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6154% | 7,089 |
| Assets per employee ($millions) | 3.3309% | 5,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3476% | 1,499 |
| Loan loss allowance to noncurrent loans | 65.4088% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.1916% | 3,287 |
| Noncurrent loans to loans | 3.5892% | 2,223 |
| Net loans and leases to total assets | 37.1076% | 7,385 |
| Net loans and leases to deposits | 42.5934% | 7,444 |
| Net loans and leases to core deposits | 47.9574% | 7,365 |
| Total domestic deposits to total assets | 87.1204% | 2,567 |
| Equity capital to assets | 11.1812% | 2,606 |
| Core capital (leverage) ratio | 7.0686% | 7,207 |
| Tier 1 risk-based capital ratio | 12.6125% | 4,633 |
| Total risk-based capital ratio | 13.7923% | 4,666 |
| Memoranda: | ||
| Average total assets | $23,495,000 | 7,639 |
| Average earning assets | $19,938,500 | 7,651 |
| Average equity | $2,501,500 | 7,632 |
| Average total loans | $8,845,500 | 7,692 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9282% | 6,645 |
| Cost of funding earning assets | 1.6077% | 4,995 |
| Net interest margin | 3.3205% | 5,663 |
| Noninterest income to average assets | 0.5123% | 4,314 |
| Noninterest expense to average assets | 3.3804% | 2,742 |
| Loan and lease loss provision to assets | 1.2514% | 1,848 |
| Net operating income to assets | -1.1968% | 6,710 |
| Return on assets (ROA) | -0.7307% | 6,385 |
| Pretax return on assets | -0.7307% | 6,218 |
| Return on Equity (ROE) | -6.6150% | 6,354 |
| Retained earnings to average equity (ytd only) | -6.6150% | 6,206 |
| Net charge-offs to loans | 2.2870% | 1,020 |
| Credit loss provision to net charge-offs | 146.7980% | 3,217 |
| Earnings coverage of net charge-offs (x) | 0.0640% | 6,101 |
| Efficiency ratio | 98.4108% | 1,186 |
| Assets per employee ($millions) | 3.3820% | 5,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7064% | 1,011 |
| Loan loss allowance to noncurrent loans | 1,195.0000% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.8997% | 5,300 |
| Noncurrent loans to loans | 0.2265% | 6,868 |
| Net loans and leases to total assets | 36.2930% | 7,509 |
| Net loans and leases to deposits | 41.1376% | 7,593 |
| Net loans and leases to core deposits | 57.8547% | 7,345 |
| Total domestic deposits to total assets | 88.2234% | 1,875 |
| Equity capital to assets | 10.1208% | 3,598 |
| Core capital (leverage) ratio | 6.1135% | 7,607 |
| Tier 1 risk-based capital ratio | 10.5086% | 6,391 |
| Total risk-based capital ratio | 11.5917% | 6,521 |
| Memoranda: | ||
| Average total assets | $23,813,400 | 7,675 |
| Average earning assets | $20,961,000 | 7,680 |
| Average equity | $2,630,400 | 7,694 |
| Average total loans | $8,876,400 | 7,747 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0000% | 6,603 |
| Cost of funding earning assets | 1.6897% | 4,953 |
| Net interest margin | 3.3103% | 5,601 |
| Noninterest income to average assets | 0.5255% | 4,277 |
| Noninterest expense to average assets | 3.5502% | 2,144 |
| Loan and lease loss provision to assets | 0.7156% | 2,588 |
| Net operating income to assets | -0.7939% | 6,688 |
| Return on assets (ROA) | -0.7715% | 6,672 |
| Pretax return on assets | -0.7715% | 6,525 |
| Return on Equity (ROE) | -6.8427% | 6,648 |
| Retained earnings to average equity (ytd only) | -6.8427% | 6,490 |
| Net charge-offs to loans | 0.1201% | 5,499 |
| Credit loss provision to net charge-offs | 1,600.0000% | 240 |
| Earnings coverage of net charge-offs (x) | -1.7498% | 6,722 |
| Efficiency ratio | 102.2544% | 970 |
| Assets per employee ($millions) | 3.6196% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8875% | 731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7617% | 5,601 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 35.0436% | 7,653 |
| Net loans and leases to deposits | 39.9343% | 7,733 |
| Net loans and leases to core deposits | 56.1465% | 7,536 |
| Total domestic deposits to total assets | 87.7531% | 1,776 |
| Equity capital to assets | 10.6287% | 3,371 |
| Core capital (leverage) ratio | 5.9424% | 7,814 |
| Tier 1 risk-based capital ratio | 11.9997% | 4,979 |
| Total risk-based capital ratio | 13.2143% | 4,942 |
| Memoranda: | ||
| Average total assets | $23,848,250 | 7,743 |
| Average earning assets | $21,226,250 | 7,745 |
| Average equity | $2,689,000 | 7,756 |
| Average total loans | $8,887,750 | 7,825 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0848% | 6,492 |
| Cost of funding earning assets | 1.8298% | 4,607 |
| Net interest margin | 3.2551% | 5,715 |
| Noninterest income to average assets | 0.5053% | 4,399 |
| Noninterest expense to average assets | 3.3402% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0600% | 5,680 |
| Return on assets (ROA) | 0.0942% | 5,678 |
| Pretax return on assets | 0.0942% | 5,689 |
| Return on Equity (ROE) | 0.8186% | 5,682 |
| Retained earnings to average equity (ytd only) | 0.8186% | 4,861 |
| Net charge-offs to loans | 0.1818% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.8750% | 4,876 |
| Efficiency ratio | 98.2368% | 1,258 |
| Assets per employee ($millions) | 3.6239% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 3,107 |
| Loan loss allowance to noncurrent loans | 680.0000% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.9776% | 5,016 |
| Noncurrent loans to loans | 0.2228% | 6,951 |
| Net loans and leases to total assets | 34.8484% | 7,743 |
| Net loans and leases to deposits | 39.7054% | 7,825 |
| Net loans and leases to core deposits | 53.6505% | 7,665 |
| Total domestic deposits to total assets | 87.7676% | 1,893 |
| Equity capital to assets | 10.4979% | 3,403 |
| Core capital (leverage) ratio | 6.5410% | 7,777 |
| Tier 1 risk-based capital ratio | 13.2057% | 3,997 |
| Total risk-based capital ratio | 14.3136% | 4,019 |
| Memoranda: | ||
| Average total assets | $23,352,000 | 7,839 |
| Average earning assets | $20,767,670 | 7,835 |
| Average equity | $2,687,670 | 7,823 |
| Average total loans | $8,802,670 | 7,914 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3047% | 5,875 |
| Cost of funding earning assets | 1.9491% | 4,383 |
| Net interest margin | 3.3556% | 5,306 |
| Noninterest income to average assets | 0.5370% | 4,009 |
| Noninterest expense to average assets | 2.9896% | 3,814 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5370% | 4,269 |
| Return on assets (ROA) | 0.5370% | 4,458 |
| Pretax return on assets | 0.5370% | 4,958 |
| Return on Equity (ROE) | 4.4444% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.4444% | 3,449 |
| Net charge-offs to loans | 0.7343% | 1,715 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.8750% | 3,788 |
| Efficiency ratio | 84.7716% | 2,215 |
| Assets per employee ($millions) | 3.1916% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 2,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1101% | 4,468 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 36.8650% | 7,700 |
| Net loans and leases to deposits | 43.2790% | 7,751 |
| Net loans and leases to core deposits | 54.8336% | 7,653 |
| Total domestic deposits to total assets | 85.1797% | 3,115 |
| Equity capital to assets | 12.2152% | 2,127 |
| Core capital (leverage) ratio | 7.5614% | 7,081 |
| Tier 1 risk-based capital ratio | 14.6953% | 3,205 |
| Total risk-based capital ratio | 15.8423% | 3,189 |
| Memoranda: | ||
| Average total assets | $22,344,500 | 7,915 |
| Average earning assets | $19,907,000 | 7,907 |
| Average equity | $2,700,000 | 7,871 |
| Average total loans | $8,716,000 | 7,966 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0386% | 5,367 |
| Cost of funding earning assets | 2.4740% | 4,340 |
| Net interest margin | 3.5646% | 5,042 |
| Noninterest income to average assets | 0.5510% | 4,225 |
| Noninterest expense to average assets | 3.0114% | 4,046 |
| Loan and lease loss provision to assets | 0.1187% | 5,849 |
| Net operating income to assets | 0.5415% | 4,569 |
| Return on assets (ROA) | 0.6127% | 4,113 |
| Pretax return on assets | 0.6127% | 4,656 |
| Return on Equity (ROE) | 5.2046% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.2046% | 1,909 |
| Net charge-offs to loans | 0.2738% | 3,577 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 5.5600% | 3,607 |
| Efficiency ratio | 82.0181% | 2,302 |
| Assets per employee ($millions) | 3.1926% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 2,299 |
| Loan loss allowance to noncurrent loans | 36.5482% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 2.4342% | 1,990 |
| Noncurrent loans to loans | 4.3449% | 1,100 |
| Net loans and leases to total assets | 39.9320% | 7,674 |
| Net loans and leases to deposits | 48.9818% | 7,672 |
| Net loans and leases to core deposits | 62.9248% | 7,477 |
| Total domestic deposits to total assets | 81.5241% | 4,397 |
| Equity capital to assets | 11.9519% | 2,318 |
| Core capital (leverage) ratio | 7.2976% | 7,422 |
| Tier 1 risk-based capital ratio | 13.8304% | 3,630 |
| Total risk-based capital ratio | 15.0674% | 3,562 |
| Memoranda: | ||
| Average total assets | $21,053,600 | 7,986 |
| Average earning assets | $18,431,400 | 7,992 |
| Average equity | $2,478,600 | 7,999 |
| Average total loans | $9,132,400 | 7,983 |