Home > Dysart State Bank > Performance and Condition Ratios
Dysart State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 3,582 |
| Cost of funding earning assets | 0.3357% | 4,350 |
| Net interest margin | 3.8916% | 1,396 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.4732% | 2,365 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.1894% | 1,670 |
| Return on assets (ROA) | 1.1894% | 1,649 |
| Pretax return on assets | 1.2449% | 2,018 |
| Return on Equity (ROE) | 14.8200% | 1,321 |
| Retained earnings to average equity (ytd only) | 9.2798% | 1,191 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.1210% | 2,594 |
| Assets per employee ($millions) | 2.8727% | 4,400 |
| Cash dividends to net income (ytd only)* | 37.3832% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6436% | 4,192 |
| Loan loss allowance to noncurrent loans | 6,000.0000% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.4699% | 1,192 |
| Noncurrent loans to loans | 0.0107% | 3,679 |
| Net loans and leases to total assets | 53.7400% | 3,370 |
| Net loans and leases to deposits | 65.4536% | 3,206 |
| Net loans and leases to core deposits | 65.4536% | 3,518 |
| Total domestic deposits to total assets | 82.1100% | 3,111 |
| Equity capital to assets | 8.8420% | 2,789 |
| Core capital (leverage) ratio | 8.7461% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1699% | 1,236 |
| Memoranda: | ||
| Average total assets | $17,992,800 | 4,526 |
| Average earning assets | $16,085,800 | 4,493 |
| Average equity | $1,444,000 | 4,511 |
| Average total loans | $9,028,800 | 4,421 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 3,776 |
| Cost of funding earning assets | 0.3095% | 4,351 |
| Net interest margin | 3.7306% | 1,722 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.4639% | 2,335 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2613% | 1,629 |
| Return on assets (ROA) | 1.2613% | 1,620 |
| Pretax return on assets | 1.2686% | 2,123 |
| Return on Equity (ROE) | 16.1000% | 1,239 |
| Retained earnings to average equity (ytd only) | 10.4866% | 1,265 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.0118% | 2,275 |
| Assets per employee ($millions) | 2.8563% | 4,420 |
| Cash dividends to net income (ytd only)* | 34.8837% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3928% | 4,412 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 1,247 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 51.7900% | 3,510 |
| Net loans and leases to deposits | 61.7719% | 3,415 |
| Net loans and leases to core deposits | 61.7719% | 3,624 |
| Total domestic deposits to total assets | 83.8400% | 2,823 |
| Equity capital to assets | 8.7641% | 2,559 |
| Core capital (leverage) ratio | 8.1764% | 4,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8519% | 1,360 |
| Memoranda: | ||
| Average total assets | $18,182,000 | 4,552 |
| Average earning assets | $16,368,500 | 4,519 |
| Average equity | $1,424,000 | 4,536 |
| Average total loans | $8,955,250 | 4,447 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6847% | 4,154 |
| Cost of funding earning assets | 0.2991% | 4,317 |
| Net interest margin | 3.3856% | 2,559 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.6120% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8203% | 3,018 |
| Return on assets (ROA) | 0.8203% | 3,026 |
| Pretax return on assets | 0.8203% | 3,352 |
| Return on Equity (ROE) | 10.8700% | 2,454 |
| Retained earnings to average equity (ytd only) | 5.1502% | 2,908 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.1006% | 1,170 |
| Assets per employee ($millions) | 3.1598% | 4,409 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4144% | 4,432 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 1,269 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 44.3600% | 3,865 |
| Net loans and leases to deposits | 51.9232% | 3,840 |
| Net loans and leases to core deposits | 51.9232% | 3,957 |
| Total domestic deposits to total assets | 85.4300% | 2,414 |
| Equity capital to assets | 7.5215% | 3,504 |
| Core capital (leverage) ratio | 7.6449% | 4,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1761% | 1,516 |
| Memoranda: | ||
| Average total assets | $18,530,000 | 4,582 |
| Average earning assets | $16,717,667 | 4,547 |
| Average equity | $1,398,000 | 4,567 |
| Average total loans | $8,970,000 | 4,479 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2898% | 4,442 |
| Cost of funding earning assets | 0.3145% | 4,155 |
| Net interest margin | 2.9753% | 3,650 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.8610% | 1,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1747% | 4,383 |
| Return on assets (ROA) | 0.1747% | 4,356 |
| Pretax return on assets | 0.1747% | 4,361 |
| Return on Equity (ROE) | 2.3100% | 4,262 |
| Retained earnings to average equity (ytd only) | -4.9133% | 4,326 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 94.2446% | 256 |
| Assets per employee ($millions) | 2.9312% | 4,506 |
| Cash dividends to net income (ytd only)* | 312.5000% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3743% | 4,510 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 1,121 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 52.9800% | 3,278 |
| Net loans and leases to deposits | 64.7824% | 3,028 |
| Net loans and leases to core deposits | 64.7824% | 3,298 |
| Total domestic deposits to total assets | 81.7800% | 3,515 |
| Equity capital to assets | 7.8069% | 3,382 |
| Core capital (leverage) ratio | 7.6794% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6301% | 1,758 |
| Memoranda: | ||
| Average total assets | $18,315,500 | 4,643 |
| Average earning assets | $16,536,000 | 4,616 |
| Average equity | $1,384,000 | 4,635 |
| Average total loans | $9,232,500 | 4,543 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4480% | 4,519 |
| Cost of funding earning assets | 0.1640% | 4,038 |
| Net interest margin | 2.2840% | 4,439 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.8327% | 3,966 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5525% | 3,984 |
| Return on assets (ROA) | 0.5525% | 3,950 |
| Pretax return on assets | 0.5525% | 4,097 |
| Return on Equity (ROE) | 7.7200% | 3,456 |
| Retained earnings to average equity (ytd only) | 4.7506% | 3,156 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.8374% | 934 |
| Assets per employee ($millions) | 3.8088% | 4,343 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3292% | 4,535 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 1,225 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 47.6900% | 3,691 |
| Net loans and leases to deposits | 60.3241% | 3,311 |
| Net loans and leases to core deposits | 60.3241% | 3,492 |
| Total domestic deposits to total assets | 79.0600% | 3,999 |
| Equity capital to assets | 7.3251% | 3,476 |
| Core capital (leverage) ratio | 7.0780% | 4,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2390% | 1,554 |
| Memoranda: | ||
| Average total assets | $18,824,400 | 4,673 |
| Average earning assets | $17,075,400 | 4,644 |
| Average equity | $1,347,200 | 4,699 |
| Average total loans | $7,830,400 | 4,589 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1997% | 4,566 |
| Cost of funding earning assets | 0.1252% | 4,079 |
| Net interest margin | 2.0744% | 4,531 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.8540% | 3,859 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3481% | 4,324 |
| Return on assets (ROA) | 0.3481% | 4,274 |
| Pretax return on assets | 0.3481% | 4,334 |
| Return on Equity (ROE) | 4.8900% | 4,003 |
| Retained earnings to average equity (ytd only) | 2.1968% | 3,979 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.1935% | 536 |
| Assets per employee ($millions) | 4.0374% | 4,301 |
| Cash dividends to net income (ytd only)* | 55.1020% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3526% | 4,564 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 1,369 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 42.0000% | 3,985 |
| Net loans and leases to deposits | 49.7828% | 3,869 |
| Net loans and leases to core deposits | 49.7828% | 3,963 |
| Total domestic deposits to total assets | 84.3700% | 3,411 |
| Equity capital to assets | 6.7023% | 3,658 |
| Core capital (leverage) ratio | 6.7636% | 4,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7978% | 1,771 |
| Memoranda: | ||
| Average total assets | $18,769,500 | 4,710 |
| Average earning assets | $17,032,500 | 4,681 |
| Average equity | $1,335,250 | 4,737 |
| Average total loans | $7,509,750 | 4,627 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1230% | 4,595 |
| Cost of funding earning assets | 0.1206% | 3,954 |
| Net interest margin | 2.0023% | 4,556 |
| Noninterest income to average assets | 0.3389% | 3,127 |
| Noninterest expense to average assets | 1.9020% | 3,695 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2514% | 4,361 |
| Return on assets (ROA) | 0.2514% | 4,321 |
| Pretax return on assets | 0.2514% | 4,349 |
| Return on Equity (ROE) | 3.4604% | 4,142 |
| Retained earnings to average equity (ytd only) | -0.1505% | 4,196 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3249% | 480 |
| Assets per employee ($millions) | 3.8030% | 4,451 |
| Cash dividends to net income (ytd only)* | 104.3478% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4184% | 4,608 |
| Loan loss allowance to noncurrent loans | 37.5000% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 1,347 |
| Noncurrent loans to loans | 1.1156% | 735 |
| Net loans and leases to total assets | 37.5546% | 4,190 |
| Net loans and leases to deposits | 42.5617% | 4,176 |
| Net loans and leases to core deposits | 42.5617% | 4,243 |
| Total domestic deposits to total assets | 88.2356% | 2,486 |
| Equity capital to assets | 6.9945% | 3,776 |
| Core capital (leverage) ratio | 7.0000% | 4,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5122% | 1,073 |
| Memoranda: | ||
| Average total assets | $18,297,000 | 4,748 |
| Average earning assets | $16,580,667 | 4,734 |
| Average equity | $1,329,333 | 4,763 |
| Average total loans | $7,176,667 | 4,699 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1419% | 4,560 |
| Cost of funding earning assets | 0.1477% | 3,529 |
| Net interest margin | 1.9942% | 4,521 |
| Noninterest income to average assets | 0.3791% | 2,818 |
| Noninterest expense to average assets | 1.8731% | 3,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3122% | 4,123 |
| Return on assets (ROA) | 0.3122% | 4,090 |
| Pretax return on assets | 0.3122% | 4,169 |
| Return on Equity (ROE) | 4.2137% | 3,824 |
| Retained earnings to average equity (ytd only) | -1.2039% | 4,160 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7143% | 750 |
| Assets per employee ($millions) | 3.7072% | 4,499 |
| Cash dividends to net income (ytd only)* | 128.5714% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4296% | 4,633 |
| Loan loss allowance to noncurrent loans | 37.5000% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 1,410 |
| Noncurrent loans to loans | 1.1455% | 777 |
| Net loans and leases to total assets | 37.5162% | 4,136 |
| Net loans and leases to deposits | 43.0109% | 4,116 |
| Net loans and leases to core deposits | 43.0109% | 4,204 |
| Total domestic deposits to total assets | 87.2249% | 2,845 |
| Equity capital to assets | 7.1590% | 4,119 |
| Core capital (leverage) ratio | 7.3874% | 4,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4489% | 1,157 |
| Memoranda: | ||
| Average total assets | $17,938,000 | 4,771 |
| Average earning assets | $16,247,000 | 4,761 |
| Average equity | $1,329,000 | 4,788 |
| Average total loans | $7,179,500 | 4,727 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0961% | 1,166 |
| Cost of funding earning assets | 0.1544% | 3,922 |
| Net interest margin | 3.9417% | 796 |
| Noninterest income to average assets | 0.3324% | 3,423 |
| Noninterest expense to average assets | 2.7437% | 1,501 |
| Loan and lease loss provision to assets | 0.2478% | 381 |
| Net operating income to assets | 0.8884% | 3,084 |
| Return on assets (ROA) | 0.8884% | 3,145 |
| Pretax return on assets | 0.8884% | 3,537 |
| Return on Equity (ROE) | 11.2678% | 2,065 |
| Retained earnings to average equity (ytd only) | 7.4352% | 1,748 |
| Net charge-offs to loans | 0.3467% | 245 |
| Credit loss provision to net charge-offs | 164.0000% | 1,437 |
| Earnings coverage of net charge-offs (x) | 7.5200% | 2,340 |
| Efficiency ratio | 70.7165% | 1,656 |
| Assets per employee ($millions) | 3.4680% | 4,593 |
| Cash dividends to net income (ytd only)* | 34.0136% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4068% | 4,678 |
| Loan loss allowance to noncurrent loans | 37.5000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 1,429 |
| Noncurrent loans to loans | 1.0847% | 894 |
| Net loans and leases to total assets | 42.3587% | 3,960 |
| Net loans and leases to deposits | 50.9150% | 3,814 |
| Net loans and leases to core deposits | 50.9150% | 3,974 |
| Total domestic deposits to total assets | 83.1949% | 3,767 |
| Equity capital to assets | 7.6759% | 4,514 |
| Core capital (leverage) ratio | 7.7397% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8095% | 1,091 |
| Memoranda: | ||
| Average total assets | $16,546,800 | 4,821 |
| Average earning assets | $14,892,200 | 4,809 |
| Average equity | $1,304,600 | 4,830 |
| Average total loans | $7,211,600 | 4,768 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 470 |
| Cost of funding earning assets | 0.1632% | 3,987 |
| Net interest margin | 4.5605% | 284 |
| Noninterest income to average assets | 0.3425% | 3,399 |
| Noninterest expense to average assets | 2.4630% | 2,229 |
| Loan and lease loss provision to assets | 0.1223% | 956 |
| Net operating income to assets | 1.8595% | 597 |
| Return on assets (ROA) | 1.8595% | 620 |
| Pretax return on assets | 1.8595% | 1,025 |
| Return on Equity (ROE) | 23.4201% | 235 |
| Retained earnings to average equity (ytd only) | 20.3385% | 120 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4128% | 3,607 |
| Assets per employee ($millions) | 3.4152% | 4,666 |
| Cash dividends to net income (ytd only)* | 13.1579% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4405% | 4,749 |
| Loan loss allowance to noncurrent loans | 28.3019% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6208% | 1,224 |
| Noncurrent loans to loans | 1.5563% | 669 |
| Net loans and leases to total assets | 39.7107% | 4,222 |
| Net loans and leases to deposits | 46.8949% | 4,187 |
| Net loans and leases to core deposits | 46.8949% | 4,284 |
| Total domestic deposits to total assets | 84.6803% | 3,231 |
| Equity capital to assets | 8.3860% | 4,284 |
| Core capital (leverage) ratio | 8.0899% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9536% | 822 |
| Memoranda: | ||
| Average total assets | $16,348,500 | 4,897 |
| Average earning assets | $14,705,500 | 4,883 |
| Average equity | $1,298,000 | 4,904 |
| Average total loans | $7,170,750 | 4,840 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1836% | 4,765 |
| Cost of funding earning assets | 0.1658% | 4,082 |
| Net interest margin | 2.0178% | 4,702 |
| Noninterest income to average assets | 2.0241% | 320 |
| Noninterest expense to average assets | 2.7319% | 1,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1052% | 2,527 |
| Return on assets (ROA) | 1.1052% | 2,594 |
| Pretax return on assets | 1.1052% | 3,195 |
| Return on Equity (ROE) | 14.2021% | 1,352 |
| Retained earnings to average equity (ytd only) | 12.2872% | 855 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1974% | 1,505 |
| Assets per employee ($millions) | 3.5290% | 4,662 |
| Cash dividends to net income (ytd only)* | 13.4831% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1885% | 4,877 |
| Loan loss allowance to noncurrent loans | 14.1509% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 1,393 |
| Noncurrent loans to loans | 1.3322% | 878 |
| Net loans and leases to total assets | 45.0099% | 3,974 |
| Net loans and leases to deposits | 53.1664% | 3,914 |
| Net loans and leases to core deposits | 53.1664% | 4,071 |
| Total domestic deposits to total assets | 84.6585% | 3,238 |
| Equity capital to assets | 7.4299% | 4,757 |
| Core capital (leverage) ratio | 7.7395% | 4,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9141% | 1,144 |
| Memoranda: | ||
| Average total assets | $16,106,000 | 4,934 |
| Average earning assets | $14,471,333 | 4,921 |
| Average equity | $1,253,333 | 4,941 |
| Average total loans | $7,290,667 | 4,876 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3032% | 4,758 |
| Cost of funding earning assets | 0.1749% | 4,120 |
| Net interest margin | 2.1283% | 4,663 |
| Noninterest income to average assets | 0.4695% | 2,757 |
| Noninterest expense to average assets | 2.8429% | 1,277 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.4695% | 4,886 |
| Return on assets (ROA) | -0.4695% | 4,889 |
| Pretax return on assets | -0.4695% | 4,888 |
| Return on Equity (ROE) | -5.8800% | 4,911 |
| Retained earnings to average equity (ytd only) | -6.2066% | 4,736 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.7802% | 77 |
| Assets per employee ($millions) | 3.1762% | 4,788 |
| Cash dividends to net income (ytd only)* | -5.5556% | 4,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2006% | 4,903 |
| Loan loss allowance to noncurrent loans | 14.1509% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 0.6675% | 1,412 |
| Noncurrent loans to loans | 1.4177% | 893 |
| Net loans and leases to total assets | 46.9870% | 3,891 |
| Net loans and leases to deposits | 55.2700% | 3,843 |
| Net loans and leases to core deposits | 55.2700% | 4,026 |
| Total domestic deposits to total assets | 85.0135% | 3,085 |
| Equity capital to assets | 7.6507% | 4,656 |
| Core capital (leverage) ratio | 7.7045% | 4,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7370% | 1,373 |
| Memoranda: | ||
| Average total assets | $15,336,500 | 4,963 |
| Average earning assets | $13,720,000 | 4,952 |
| Average equity | $1,224,500 | 4,970 |
| Average total loans | $6,957,500 | 4,906 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1212% | 4,541 |
| Cost of funding earning assets | 0.3121% | 4,071 |
| Net interest margin | 2.8091% | 4,251 |
| Noninterest income to average assets | 0.3788% | 3,217 |
| Noninterest expense to average assets | 2.8483% | 1,820 |
| Loan and lease loss provision to assets | 0.1093% | 2,978 |
| Net operating income to assets | -0.0874% | 4,778 |
| Return on assets (ROA) | -0.0874% | 4,805 |
| Pretax return on assets | -0.0874% | 4,792 |
| Return on Equity (ROE) | -0.9536% | 4,816 |
| Retained earnings to average equity (ytd only) | -2.8608% | 4,756 |
| Net charge-offs to loans | 0.2111% | 823 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 0.2000% | 3,333 |
| Efficiency ratio | 99.2386% | 187 |
| Assets per employee ($millions) | 2.9584% | 4,819 |
| Cash dividends to net income (ytd only)* | -200.0000% | 4,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2330% | 4,920 |
| Loan loss allowance to noncurrent loans | 14.2857% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 0.7098% | 1,466 |
| Noncurrent loans to loans | 1.6309% | 806 |
| Net loans and leases to total assets | 43.4221% | 4,278 |
| Net loans and leases to deposits | 52.8511% | 4,173 |
| Net loans and leases to core deposits | 52.8511% | 4,305 |
| Total domestic deposits to total assets | 82.1593% | 3,631 |
| Equity capital to assets | 8.3423% | 4,557 |
| Core capital (leverage) ratio | 8.2108% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9909% | 1,264 |
| Memoranda: | ||
| Average total assets | $13,727,400 | 4,987 |
| Average earning assets | $12,174,800 | 4,978 |
| Average equity | $1,258,400 | 4,991 |
| Average total loans | $7,104,400 | 4,930 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3328% | 4,435 |
| Cost of funding earning assets | 0.3243% | 4,194 |
| Net interest margin | 3.0085% | 3,954 |
| Noninterest income to average assets | 0.3863% | 3,149 |
| Noninterest expense to average assets | 2.8625% | 1,795 |
| Loan and lease loss provision to assets | 0.0074% | 4,201 |
| Net operating income to assets | 0.1783% | 4,623 |
| Return on assets (ROA) | 0.1783% | 4,663 |
| Pretax return on assets | 0.1783% | 4,672 |
| Return on Equity (ROE) | 1.8979% | 4,564 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,481 |
| Net charge-offs to loans | 0.0183% | 2,491 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,947 |
| Efficiency ratio | 93.8312% | 265 |
| Assets per employee ($millions) | 2.9698% | 4,848 |
| Cash dividends to net income (ytd only)* | 100.0000% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2037% | 4,962 |
| Loan loss allowance to noncurrent loans | 107.1429% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 3,959 |
| Noncurrent loans to loans | 0.1901% | 3,631 |
| Net loans and leases to total assets | 49.4848% | 4,119 |
| Net loans and leases to deposits | 60.6271% | 4,015 |
| Net loans and leases to core deposits | 60.6271% | 4,170 |
| Total domestic deposits to total assets | 81.6217% | 3,512 |
| Equity capital to assets | 8.5528% | 4,435 |
| Core capital (leverage) ratio | 8.8743% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5381% | 1,641 |
| Memoranda: | ||
| Average total assets | $13,461,250 | 5,021 |
| Average earning assets | $11,921,500 | 5,010 |
| Average equity | $1,264,500 | 5,023 |
| Average total loans | $7,271,000 | 4,959 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5023% | 4,404 |
| Cost of funding earning assets | 0.3311% | 4,359 |
| Net interest margin | 3.1712% | 3,740 |
| Noninterest income to average assets | 0.4000% | 3,077 |
| Noninterest expense to average assets | 3.1388% | 1,268 |
| Loan and lease loss provision to assets | 0.0154% | 4,035 |
| Net operating income to assets | 0.0462% | 4,731 |
| Return on assets (ROA) | 0.0462% | 4,760 |
| Pretax return on assets | 0.0462% | 4,760 |
| Return on Equity (ROE) | 0.4752% | 4,749 |
| Retained earnings to average equity (ytd only) | -1.4256% | 4,528 |
| Net charge-offs to loans | 0.0276% | 2,166 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,632 |
| Efficiency ratio | 98.0769% | 205 |
| Assets per employee ($millions) | 2.7862% | 4,913 |
| Cash dividends to net income (ytd only)* | 400.0000% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2025% | 4,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 53.0543% | 3,953 |
| Net loans and leases to deposits | 66.7359% | 3,661 |
| Net loans and leases to core deposits | 66.7359% | 3,940 |
| Total domestic deposits to total assets | 79.4990% | 3,940 |
| Equity capital to assets | 9.0518% | 4,043 |
| Core capital (leverage) ratio | 9.3866% | 3,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7511% | 1,556 |
| Memoranda: | ||
| Average total assets | $12,998,667 | 5,056 |
| Average earning assets | $11,478,333 | 5,044 |
| Average equity | $1,262,667 | 5,056 |
| Average total loans | $7,240,333 | 4,993 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7037% | 4,389 |
| Cost of funding earning assets | 0.3596% | 4,486 |
| Net interest margin | 3.3441% | 3,471 |
| Noninterest income to average assets | 0.4788% | 2,659 |
| Noninterest expense to average assets | 3.6385% | 771 |
| Loan and lease loss provision to assets | 0.0319% | 3,373 |
| Net operating income to assets | -0.2234% | 4,863 |
| Return on assets (ROA) | -0.2234% | 4,837 |
| Pretax return on assets | -0.2234% | 4,822 |
| Return on Equity (ROE) | -2.2161% | 4,843 |
| Retained earnings to average equity (ytd only) | -4.1156% | 4,448 |
| Net charge-offs to loans | 0.0559% | 1,448 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | -6.0000% | 2,523 |
| Efficiency ratio | 105.5556% | 179 |
| Assets per employee ($millions) | 2.6008% | 4,930 |
| Cash dividends to net income (ytd only)* | -85.7143% | 5,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2028% | 5,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 56.7518% | 3,775 |
| Net loans and leases to deposits | 72.1549% | 3,421 |
| Net loans and leases to core deposits | 72.1549% | 3,755 |
| Total domestic deposits to total assets | 78.6527% | 4,110 |
| Equity capital to assets | 9.6663% | 4,072 |
| Core capital (leverage) ratio | 10.0810% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2372% | 1,832 |
| Memoranda: | ||
| Average total assets | $12,532,500 | 5,108 |
| Average earning assets | $11,124,000 | 5,094 |
| Average equity | $1,263,500 | 5,104 |
| Average total loans | $7,157,500 | 5,042 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8978% | 4,435 |
| Cost of funding earning assets | 0.3993% | 4,443 |
| Net interest margin | 3.4984% | 3,453 |
| Noninterest income to average assets | 0.3845% | 3,388 |
| Noninterest expense to average assets | 2.9296% | 2,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5536% | 4,279 |
| Return on assets (ROA) | 0.5536% | 4,335 |
| Pretax return on assets | 0.5536% | 4,483 |
| Return on Equity (ROE) | 5.8385% | 3,969 |
| Retained earnings to average equity (ytd only) | 3.2436% | 3,395 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1060% | 648 |
| Assets per employee ($millions) | 2.4122% | 5,031 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2168% | 5,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 57.2506% | 3,826 |
| Net loans and leases to deposits | 69.1814% | 3,730 |
| Net loans and leases to core deposits | 69.1814% | 4,007 |
| Total domestic deposits to total assets | 82.7543% | 3,289 |
| Equity capital to assets | 10.5298% | 3,419 |
| Core capital (leverage) ratio | 10.2784% | 3,210 |
| Tier 1 risk-based capital ratio | 16.3323% | 2,278 |
| Total risk-based capital ratio | 16.5252% | 2,600 |
| Memoranda: | ||
| Average total assets | $13,005,400 | 5,162 |
| Average earning assets | $11,519,400 | 5,154 |
| Average equity | $1,233,200 | 5,166 |
| Average total loans | $7,295,600 | 5,101 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 4,587 |
| Cost of funding earning assets | 0.3977% | 4,513 |
| Net interest margin | 3.4650% | 3,681 |
| Noninterest income to average assets | 0.3827% | 3,422 |
| Noninterest expense to average assets | 2.8495% | 2,407 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6042% | 4,285 |
| Return on assets (ROA) | 0.6042% | 4,339 |
| Pretax return on assets | 0.6042% | 4,536 |
| Return on Equity (ROE) | 6.5359% | 3,866 |
| Retained earnings to average equity (ytd only) | 3.9216% | 3,440 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5073% | 724 |
| Assets per employee ($millions) | 2.5084% | 5,074 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2066% | 5,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 57.7579% | 3,901 |
| Net loans and leases to deposits | 71.2081% | 3,671 |
| Net loans and leases to core deposits | 71.2081% | 3,995 |
| Total domestic deposits to total assets | 81.1115% | 3,723 |
| Equity capital to assets | 10.0383% | 3,981 |
| Core capital (leverage) ratio | 9.6764% | 3,998 |
| Tier 1 risk-based capital ratio | 15.6475% | 2,582 |
| Total risk-based capital ratio | 15.8340% | 2,961 |
| Memoranda: | ||
| Average total assets | $13,241,500 | 5,236 |
| Average earning assets | $11,736,250 | 5,230 |
| Average equity | $1,224,000 | 5,245 |
| Average total loans | $7,389,500 | 5,178 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6557% | 4,875 |
| Cost of funding earning assets | 0.3672% | 4,629 |
| Net interest margin | 3.2884% | 4,169 |
| Noninterest income to average assets | 0.3859% | 3,361 |
| Noninterest expense to average assets | 3.1615% | 1,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1484% | 5,030 |
| Return on assets (ROA) | 0.1484% | 5,040 |
| Pretax return on assets | 0.1484% | 5,049 |
| Return on Equity (ROE) | 1.6497% | 4,987 |
| Retained earnings to average equity (ytd only) | -0.9898% | 4,825 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5157% | 209 |
| Assets per employee ($millions) | 2.6280% | 5,081 |
| Cash dividends to net income (ytd only)* | 160.0000% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2079% | 5,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4490% | 2,723 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 54.8021% | 4,157 |
| Net loans and leases to deposits | 66.3503% | 4,079 |
| Net loans and leases to core deposits | 66.3503% | 4,298 |
| Total domestic deposits to total assets | 82.5951% | 3,338 |
| Equity capital to assets | 9.2618% | 4,603 |
| Core capital (leverage) ratio | 9.1305% | 4,524 |
| Tier 1 risk-based capital ratio | 15.4226% | 2,652 |
| Total risk-based capital ratio | 15.6127% | 3,050 |
| Memoranda: | ||
| Average total assets | $13,474,670 | 5,283 |
| Average earning assets | $11,981,330 | 5,274 |
| Average equity | $1,212,330 | 5,291 |
| Average total loans | $7,433,000 | 5,224 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4810% | 5,062 |
| Cost of funding earning assets | 0.3284% | 4,745 |
| Net interest margin | 3.1526% | 4,494 |
| Noninterest income to average assets | 0.3812% | 3,318 |
| Noninterest expense to average assets | 3.7238% | 732 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.5278% | 5,255 |
| Return on assets (ROA) | -0.5278% | 5,251 |
| Pretax return on assets | -0.5278% | 5,246 |
| Return on Equity (ROE) | -5.9504% | 5,268 |
| Retained earnings to average equity (ytd only) | -8.5950% | 5,055 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.5138% | 84 |
| Assets per employee ($millions) | 2.7056% | 5,110 |
| Cash dividends to net income (ytd only)* | -44.4444% | 5,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1978% | 5,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 2,843 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 55.9358% | 4,066 |
| Net loans and leases to deposits | 69.3775% | 3,814 |
| Net loans and leases to core deposits | 69.3775% | 4,115 |
| Total domestic deposits to total assets | 80.6254% | 4,045 |
| Equity capital to assets | 8.8483% | 4,782 |
| Core capital (leverage) ratio | 8.8385% | 4,764 |
| Tier 1 risk-based capital ratio | 14.8052% | 2,960 |
| Total risk-based capital ratio | 14.9907% | 3,385 |
| Memoranda: | ||
| Average total assets | $13,642,000 | 5,340 |
| Average earning assets | $12,180,500 | 5,331 |
| Average equity | $1,210,000 | 5,349 |
| Average total loans | $7,541,500 | 5,285 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5613% | 4,845 |
| Cost of funding earning assets | 0.2814% | 4,654 |
| Net interest margin | 3.2799% | 4,309 |
| Noninterest income to average assets | 0.3235% | 3,936 |
| Noninterest expense to average assets | 2.7751% | 2,770 |
| Loan and lease loss provision to assets | -0.0575% | 5,213 |
| Net operating income to assets | 0.5392% | 4,572 |
| Return on assets (ROA) | 0.5392% | 4,566 |
| Pretax return on assets | 0.5392% | 4,738 |
| Return on Equity (ROE) | 6.1820% | 4,119 |
| Retained earnings to average equity (ytd only) | 3.8741% | 3,450 |
| Net charge-offs to loans | 0.0863% | 1,917 |
| Credit loss provision to net charge-offs | -114.2857% | 4,409 |
| Earnings coverage of net charge-offs (x) | 9.5714% | 2,799 |
| Efficiency ratio | 85.2097% | 568 |
| Assets per employee ($millions) | 2.7512% | 5,115 |
| Cash dividends to net income (ytd only)* | 37.3333% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2000% | 5,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 2,848 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 54.4199% | 4,250 |
| Net loans and leases to deposits | 66.0899% | 4,114 |
| Net loans and leases to core deposits | 66.0899% | 4,349 |
| Total domestic deposits to total assets | 82.3423% | 3,538 |
| Equity capital to assets | 8.8907% | 4,663 |
| Core capital (leverage) ratio | 8.7935% | 4,814 |
| Tier 1 risk-based capital ratio | 15.2133% | 2,734 |
| Total risk-based capital ratio | 15.3999% | 3,153 |
| Memoranda: | ||
| Average total assets | $13,909,200 | 5,384 |
| Average earning assets | $12,439,400 | 5,376 |
| Average equity | $1,213,200 | 5,394 |
| Average total loans | $8,115,600 | 5,321 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 4,917 |
| Cost of funding earning assets | 0.2670% | 4,695 |
| Net interest margin | 3.2472% | 4,406 |
| Noninterest income to average assets | 0.3346% | 3,920 |
| Noninterest expense to average assets | 2.6575% | 3,103 |
| Loan and lease loss provision to assets | 0.0669% | 2,643 |
| Net operating income to assets | 0.5162% | 4,725 |
| Return on assets (ROA) | 0.5162% | 4,725 |
| Pretax return on assets | 0.5162% | 4,879 |
| Return on Equity (ROE) | 5.9467% | 4,281 |
| Retained earnings to average equity (ytd only) | 4.1850% | 3,682 |
| Net charge-offs to loans | 0.1128% | 1,369 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 8.7170% | 2,681 |
| Efficiency ratio | 82.0059% | 774 |
| Assets per employee ($millions) | 2.7794% | 5,169 |
| Cash dividends to net income (ytd only)* | 29.6250% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3753% | 5,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 2,552 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 57.3001% | 4,105 |
| Net loans and leases to deposits | 69.5155% | 3,954 |
| Net loans and leases to core deposits | 69.5155% | 4,219 |
| Total domestic deposits to total assets | 82.4279% | 3,484 |
| Equity capital to assets | 8.9516% | 4,596 |
| Core capital (leverage) ratio | 8.7544% | 4,920 |
| Tier 1 risk-based capital ratio | 14.8042% | 2,970 |
| Total risk-based capital ratio | 15.1613% | 3,324 |
| Memoranda: | ||
| Average total assets | $13,947,500 | 5,455 |
| Average earning assets | $12,482,000 | 5,445 |
| Average equity | $1,210,750 | 5,466 |
| Average total loans | $8,269,250 | 5,388 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1765% | 5,247 |
| Cost of funding earning assets | 0.2554% | 4,725 |
| Net interest margin | 2.9211% | 4,985 |
| Noninterest income to average assets | 0.3581% | 3,760 |
| Noninterest expense to average assets | 2.8788% | 2,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1003% | 5,291 |
| Return on assets (ROA) | 0.1003% | 5,284 |
| Pretax return on assets | 0.1003% | 5,290 |
| Return on Equity (ROE) | 1.1670% | 5,257 |
| Retained earnings to average equity (ytd only) | -0.1667% | 4,982 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6346% | 214 |
| Assets per employee ($millions) | 2.8292% | 5,205 |
| Cash dividends to net income (ytd only)* | 114.2857% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3490% | 5,395 |
| Loan loss allowance to noncurrent loans | 8.7719% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 2.4176% | 370 |
| Noncurrent loans to loans | 3.9781% | 222 |
| Net loans and leases to total assets | 60.5613% | 3,756 |
| Net loans and leases to deposits | 73.7390% | 3,566 |
| Net loans and leases to core deposits | 73.7390% | 3,896 |
| Total domestic deposits to total assets | 82.1292% | 3,673 |
| Equity capital to assets | 8.5183% | 4,928 |
| Core capital (leverage) ratio | 8.5595% | 5,067 |
| Tier 1 risk-based capital ratio | 13.4352% | 3,653 |
| Total risk-based capital ratio | 13.7697% | 4,071 |
| Memoranda: | ||
| Average total assets | $13,964,330 | 5,519 |
| Average earning assets | $12,529,670 | 5,511 |
| Average equity | $1,199,670 | 5,529 |
| Average total loans | $8,361,330 | 5,446 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1204% | 5,301 |
| Cost of funding earning assets | 0.2573% | 4,665 |
| Net interest margin | 2.8630% | 5,081 |
| Noninterest income to average assets | 0.4036% | 3,439 |
| Noninterest expense to average assets | 3.3733% | 1,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.4036% | 5,483 |
| Return on assets (ROA) | -0.4036% | 5,480 |
| Pretax return on assets | -0.4036% | 5,482 |
| Return on Equity (ROE) | -4.6784% | 5,495 |
| Retained earnings to average equity (ytd only) | -6.0150% | 5,252 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.5922% | 84 |
| Assets per employee ($millions) | 2.7730% | 5,297 |
| Cash dividends to net income (ytd only)* | -28.5714% | 5,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3549% | 5,461 |
| Loan loss allowance to noncurrent loans | 8.7719% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 2.4666% | 381 |
| Noncurrent loans to loans | 4.0454% | 247 |
| Net loans and leases to total assets | 60.7573% | 3,673 |
| Net loans and leases to deposits | 74.1810% | 3,399 |
| Net loans and leases to core deposits | 74.1810% | 3,808 |
| Total domestic deposits to total assets | 81.9041% | 3,990 |
| Equity capital to assets | 8.5683% | 4,927 |
| Core capital (leverage) ratio | 8.6419% | 5,027 |
| Tier 1 risk-based capital ratio | 13.2737% | 3,793 |
| Total risk-based capital ratio | 13.6089% | 4,227 |
| Memoranda: | ||
| Average total assets | $13,873,500 | 5,581 |
| Average earning assets | $12,434,500 | 5,574 |
| Average equity | $1,197,000 | 5,591 |
| Average total loans | $8,243,500 | 5,508 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 4,910 |
| Cost of funding earning assets | 0.2617% | 4,467 |
| Net interest margin | 3.1629% | 4,540 |
| Noninterest income to average assets | 0.3471% | 3,982 |
| Noninterest expense to average assets | 2.5266% | 3,689 |
| Loan and lease loss provision to assets | 0.3609% | 431 |
| Net operating income to assets | 0.3124% | 4,905 |
| Return on assets (ROA) | 0.3124% | 4,922 |
| Pretax return on assets | 0.3124% | 5,195 |
| Return on Equity (ROE) | 3.8514% | 4,548 |
| Retained earnings to average equity (ytd only) | 1.7973% | 4,239 |
| Net charge-offs to loans | 0.6547% | 331 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 1.8654% | 3,841 |
| Efficiency ratio | 78.9588% | 1,227 |
| Assets per employee ($millions) | 2.7764% | 5,346 |
| Cash dividends to net income (ytd only)* | 53.3333% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3735% | 5,508 |
| Loan loss allowance to noncurrent loans | 8.7719% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 2.4636% | 386 |
| Noncurrent loans to loans | 4.2574% | 211 |
| Net loans and leases to total assets | 57.6502% | 4,043 |
| Net loans and leases to deposits | 71.3534% | 3,755 |
| Net loans and leases to core deposits | 71.3534% | 4,095 |
| Total domestic deposits to total assets | 80.7953% | 4,169 |
| Equity capital to assets | 8.6875% | 4,964 |
| Core capital (leverage) ratio | 8.5824% | 5,063 |
| Tier 1 risk-based capital ratio | 14.0806% | 3,317 |
| Total risk-based capital ratio | 14.4308% | 3,722 |
| Memoranda: | ||
| Average total assets | $14,406,800 | 5,645 |
| Average earning assets | $12,994,200 | 5,635 |
| Average equity | $1,168,400 | 5,659 |
| Average total loans | $7,943,000 | 5,577 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9646% | 5,436 |
| Cost of funding earning assets | 0.2538% | 4,535 |
| Net interest margin | 2.7108% | 5,312 |
| Noninterest income to average assets | 0.3485% | 4,042 |
| Noninterest expense to average assets | 2.5496% | 3,569 |
| Loan and lease loss provision to assets | 0.2843% | 571 |
| Net operating income to assets | -0.0367% | 5,526 |
| Return on assets (ROA) | -0.0367% | 5,532 |
| Pretax return on assets | -0.0367% | 5,523 |
| Return on Equity (ROE) | -0.4599% | 5,537 |
| Retained earnings to average equity (ytd only) | -2.3011% | 5,446 |
| Net charge-offs to loans | 0.5218% | 390 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 0.8710% | 3,619 |
| Efficiency ratio | 91.1475% | 371 |
| Assets per employee ($millions) | 2.8944% | 5,327 |
| Cash dividends to net income (ytd only)* | -400.1876% | 5,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3705% | 5,577 |
| Loan loss allowance to noncurrent loans | 8.6957% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 2.6949% | 362 |
| Noncurrent loans to loans | 4.2603% | 220 |
| Net loans and leases to total assets | 55.7490% | 4,250 |
| Net loans and leases to deposits | 67.9525% | 4,117 |
| Net loans and leases to core deposits | 67.9525% | 4,363 |
| Total domestic deposits to total assets | 82.0412% | 3,765 |
| Equity capital to assets | 8.0500% | 5,503 |
| Core capital (leverage) ratio | 7.9182% | 5,540 |
| Tier 1 risk-based capital ratio | 13.4062% | 3,760 |
| Total risk-based capital ratio | 13.7514% | 4,230 |
| Memoranda: | ||
| Average total assets | $14,538,000 | 5,710 |
| Average earning assets | $13,132,500 | 5,700 |
| Average equity | $1,159,000 | 5,726 |
| Average total loans | $7,920,500 | 5,641 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9147% | 5,498 |
| Cost of funding earning assets | 0.2277% | 4,739 |
| Net interest margin | 2.6870% | 5,371 |
| Noninterest income to average assets | 0.3571% | 4,004 |
| Noninterest expense to average assets | 2.5962% | 3,442 |
| Loan and lease loss provision to assets | 0.4258% | 297 |
| Net operating income to assets | -0.2335% | 5,629 |
| Return on assets (ROA) | -0.2335% | 5,628 |
| Pretax return on assets | -0.2335% | 5,617 |
| Return on Equity (ROE) | -2.9386% | 5,649 |
| Retained earnings to average equity (ytd only) | -5.7044% | 5,559 |
| Net charge-offs to loans | 0.7887% | 253 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 0.4516% | 3,375 |
| Efficiency ratio | 93.1034% | 328 |
| Assets per employee ($millions) | 2.4440% | 5,577 |
| Cash dividends to net income (ytd only)* | -94.1176% | 5,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3827% | 5,619 |
| Loan loss allowance to noncurrent loans | 9.0090% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 2.5777% | 406 |
| Noncurrent loans to loans | 4.2474% | 207 |
| Net loans and leases to total assets | 53.2597% | 4,464 |
| Net loans and leases to deposits | 63.8855% | 4,375 |
| Net loans and leases to core deposits | 63.8855% | 4,612 |
| Total domestic deposits to total assets | 83.3674% | 3,443 |
| Equity capital to assets | 7.8560% | 5,586 |
| Core capital (leverage) ratio | 7.8689% | 5,574 |
| Tier 1 risk-based capital ratio | 13.7225% | 3,573 |
| Total risk-based capital ratio | 14.0798% | 4,012 |
| Memoranda: | ||
| Average total assets | $14,560,000 | 5,759 |
| Average earning assets | $13,174,670 | 5,750 |
| Average equity | $1,157,000 | 5,776 |
| Average total loans | $7,861,330 | 5,690 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8621% | 5,564 |
| Cost of funding earning assets | 0.2436% | 4,588 |
| Net interest margin | 2.6186% | 5,457 |
| Noninterest income to average assets | 0.3584% | 3,969 |
| Noninterest expense to average assets | 3.0604% | 1,982 |
| Loan and lease loss provision to assets | 0.8547% | 112 |
| Net operating income to assets | -1.1856% | 5,788 |
| Return on assets (ROA) | -1.1856% | 5,789 |
| Pretax return on assets | -1.1856% | 5,782 |
| Return on Equity (ROE) | -14.8340% | 5,798 |
| Retained earnings to average equity (ytd only) | -17.5938% | 5,699 |
| Net charge-offs to loans | 1.5752% | 99 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | -0.3871% | 2,866 |
| Efficiency ratio | 112.1212% | 104 |
| Assets per employee ($millions) | 2.9092% | 5,424 |
| Cash dividends to net income (ytd only)* | -18.6047% | 5,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3842% | 5,695 |
| Loan loss allowance to noncurrent loans | 9.0090% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 2.5987% | 436 |
| Noncurrent loans to loans | 4.2649% | 233 |
| Net loans and leases to total assets | 53.4717% | 4,382 |
| Net loans and leases to deposits | 64.4728% | 4,284 |
| Net loans and leases to core deposits | 64.4728% | 4,510 |
| Total domestic deposits to total assets | 82.9369% | 3,865 |
| Equity capital to assets | 7.7960% | 5,600 |
| Core capital (leverage) ratio | 7.6829% | 5,666 |
| Tier 1 risk-based capital ratio | 13.5274% | 3,762 |
| Total risk-based capital ratio | 13.8852% | 4,212 |
| Memoranda: | ||
| Average total assets | $14,508,000 | 5,828 |
| Average earning assets | $13,137,000 | 5,817 |
| Average equity | $1,159,500 | 5,840 |
| Average total loans | $7,872,000 | 5,757 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8070% | 5,639 |
| Cost of funding earning assets | 0.2357% | 4,691 |
| Net interest margin | 2.5713% | 5,541 |
| Noninterest income to average assets | 0.3102% | 4,514 |
| Noninterest expense to average assets | 2.3461% | 4,432 |
| Loan and lease loss provision to assets | 0.0452% | 3,478 |
| Net operating income to assets | 0.2456% | 5,325 |
| Return on assets (ROA) | 0.2456% | 5,399 |
| Pretax return on assets | 0.2456% | 5,436 |
| Return on Equity (ROE) | 3.2855% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.2855% | 3,574 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9706% | 616 |
| Assets per employee ($millions) | 2.8940% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3780% | 5,749 |
| Loan loss allowance to noncurrent loans | 7.3350% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 2.8265% | 381 |
| Noncurrent loans to loans | 5.1537% | 152 |
| Net loans and leases to total assets | 54.6372% | 4,378 |
| Net loans and leases to deposits | 67.3654% | 4,139 |
| Net loans and leases to core deposits | 67.3654% | 4,442 |
| Total domestic deposits to total assets | 81.1057% | 4,312 |
| Equity capital to assets | 8.1894% | 5,475 |
| Core capital (leverage) ratio | 8.1164% | 5,549 |
| Tier 1 risk-based capital ratio | 14.0253% | 3,452 |
| Total risk-based capital ratio | 14.3804% | 3,907 |
| Memoranda: | ||
| Average total assets | $15,472,800 | 5,881 |
| Average earning assets | $14,000,800 | 5,867 |
| Average equity | $1,156,600 | 5,902 |
| Average total loans | $8,201,000 | 5,806 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9323% | 5,628 |
| Cost of funding earning assets | 0.2436% | 4,663 |
| Net interest margin | 2.6887% | 5,505 |
| Noninterest income to average assets | 0.3053% | 4,582 |
| Noninterest expense to average assets | 2.4252% | 4,209 |
| Loan and lease loss provision to assets | 0.0593% | 3,071 |
| Net operating income to assets | 0.2544% | 5,383 |
| Return on assets (ROA) | 0.2544% | 5,452 |
| Pretax return on assets | 0.2544% | 5,507 |
| Return on Equity (ROE) | 3.4798% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.4798% | 3,812 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5449% | 644 |
| Assets per employee ($millions) | 2.8972% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3705% | 5,818 |
| Loan loss allowance to noncurrent loans | 7.3350% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 2.8234% | 438 |
| Noncurrent loans to loans | 5.0513% | 166 |
| Net loans and leases to total assets | 55.6883% | 4,341 |
| Net loans and leases to deposits | 65.9931% | 4,347 |
| Net loans and leases to core deposits | 65.9931% | 4,608 |
| Total domestic deposits to total assets | 84.3849% | 3,068 |
| Equity capital to assets | 8.1251% | 5,698 |
| Core capital (leverage) ratio | 7.8456% | 5,743 |
| Tier 1 risk-based capital ratio | 13.7887% | 3,676 |
| Total risk-based capital ratio | 14.1401% | 4,143 |
| Memoranda: | ||
| Average total assets | $15,723,500 | 5,946 |
| Average earning assets | $14,232,000 | 5,934 |
| Average equity | $1,149,500 | 5,968 |
| Average total loans | $8,267,250 | 5,866 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8540% | 5,769 |
| Cost of funding earning assets | 0.2321% | 4,828 |
| Net interest margin | 2.6218% | 5,644 |
| Noninterest income to average assets | 0.2975% | 4,656 |
| Noninterest expense to average assets | 2.5161% | 3,993 |
| Loan and lease loss provision to assets | 0.1239% | 1,842 |
| Net operating income to assets | 0.0372% | 5,738 |
| Return on assets (ROA) | 0.0372% | 5,769 |
| Pretax return on assets | 0.0372% | 5,770 |
| Return on Equity (ROE) | 0.5262% | 5,747 |
| Retained earnings to average equity (ytd only) | 0.5262% | 5,146 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9815% | 418 |
| Assets per employee ($millions) | 3.2236% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3915% | 5,887 |
| Loan loss allowance to noncurrent loans | 43.4211% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 0.4715% | 3,641 |
| Noncurrent loans to loans | 0.9016% | 2,481 |
| Net loans and leases to total assets | 52.0908% | 4,662 |
| Net loans and leases to deposits | 62.7035% | 4,594 |
| Net loans and leases to core deposits | 62.7035% | 4,838 |
| Total domestic deposits to total assets | 83.0748% | 3,617 |
| Equity capital to assets | 7.1349% | 5,957 |
| Core capital (leverage) ratio | 7.1544% | 5,931 |
| Tier 1 risk-based capital ratio | 12.9797% | 4,213 |
| Total risk-based capital ratio | 13.3521% | 4,683 |
| Memoranda: | ||
| Average total assets | $16,136,000 | 6,021 |
| Average earning assets | $14,646,330 | 6,007 |
| Average equity | $1,140,330 | 6,044 |
| Average total loans | $8,324,000 | 5,942 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8097% | 5,852 |
| Cost of funding earning assets | 0.2455% | 4,750 |
| Net interest margin | 2.5642% | 5,753 |
| Noninterest income to average assets | 0.2973% | 4,598 |
| Noninterest expense to average assets | 3.0722% | 2,172 |
| Loan and lease loss provision to assets | 0.1239% | 1,705 |
| Net operating income to assets | -0.5698% | 5,981 |
| Return on assets (ROA) | -0.5698% | 5,987 |
| Pretax return on assets | -0.5698% | 5,978 |
| Return on Equity (ROE) | -8.1022% | 6,008 |
| Retained earnings to average equity (ytd only) | -8.1022% | 5,753 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.9811% | 118 |
| Assets per employee ($millions) | 2.6842% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3358% | 5,990 |
| Loan loss allowance to noncurrent loans | 36.8421% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4719% | 3,711 |
| Noncurrent loans to loans | 0.9114% | 2,573 |
| Net loans and leases to total assets | 51.6051% | 4,666 |
| Net loans and leases to deposits | 61.1373% | 4,639 |
| Net loans and leases to core deposits | 61.1373% | 4,863 |
| Total domestic deposits to total assets | 84.4086% | 3,353 |
| Equity capital to assets | 6.9792% | 6,009 |
| Core capital (leverage) ratio | 6.9783% | 6,002 |
| Tier 1 risk-based capital ratio | 12.3259% | 4,710 |
| Total risk-based capital ratio | 12.6330% | 5,197 |
| Memoranda: | ||
| Average total assets | $16,145,000 | 6,081 |
| Average earning assets | $14,663,500 | 6,068 |
| Average equity | $1,135,500 | 6,108 |
| Average total loans | $8,271,500 | 5,997 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8013% | 5,880 |
| Cost of funding earning assets | 0.2520% | 4,765 |
| Net interest margin | 2.5492% | 5,798 |
| Noninterest income to average assets | 0.3013% | 4,722 |
| Noninterest expense to average assets | 2.3383% | 4,680 |
| Loan and lease loss provision to assets | 0.0982% | 2,350 |
| Net operating income to assets | 0.1899% | 5,601 |
| Return on assets (ROA) | 0.1899% | 5,651 |
| Pretax return on assets | 0.1834% | 5,704 |
| Return on Equity (ROE) | 2.5714% | 5,437 |
| Retained earnings to average equity (ytd only) | 2.5714% | 4,240 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2500% | 742 |
| Assets per employee ($millions) | 2.6975% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2804% | 6,065 |
| Loan loss allowance to noncurrent loans | 30.2632% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4696% | 3,741 |
| Noncurrent loans to loans | 0.9264% | 2,484 |
| Net loans and leases to total assets | 50.5468% | 4,821 |
| Net loans and leases to deposits | 64.2504% | 4,452 |
| Net loans and leases to core deposits | 64.2504% | 4,726 |
| Total domestic deposits to total assets | 78.6716% | 5,041 |
| Equity capital to assets | 7.0868% | 6,042 |
| Core capital (leverage) ratio | 7.0715% | 6,039 |
| Tier 1 risk-based capital ratio | 12.5492% | 4,603 |
| Total risk-based capital ratio | 12.8009% | 5,126 |
| Memoranda: | ||
| Average total assets | $15,267,200 | 6,147 |
| Average earning assets | $13,886,600 | 6,133 |
| Average equity | $1,127,800 | 6,170 |
| Average total loans | $7,041,600 | 6,085 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8281% | 5,941 |
| Cost of funding earning assets | 0.2527% | 4,851 |
| Net interest margin | 2.5754% | 5,859 |
| Noninterest income to average assets | 0.3192% | 4,656 |
| Noninterest expense to average assets | 2.4383% | 4,392 |
| Loan and lease loss provision to assets | 0.0886% | 2,384 |
| Net operating income to assets | 0.1508% | 5,771 |
| Return on assets (ROA) | 0.1508% | 5,823 |
| Pretax return on assets | 0.1419% | 5,853 |
| Return on Equity (ROE) | 2.0187% | 5,661 |
| Retained earnings to average equity (ytd only) | 2.0187% | 4,871 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3621% | 606 |
| Assets per employee ($millions) | 2.6203% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2249% | 6,167 |
| Loan loss allowance to noncurrent loans | 23.3766% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 3,855 |
| Noncurrent loans to loans | 0.9619% | 2,582 |
| Net loans and leases to total assets | 50.8014% | 4,868 |
| Net loans and leases to deposits | 60.7376% | 4,801 |
| Net loans and leases to core deposits | 60.7376% | 5,017 |
| Total domestic deposits to total assets | 83.6408% | 3,552 |
| Equity capital to assets | 7.2192% | 6,118 |
| Core capital (leverage) ratio | 7.6042% | 6,032 |
| Tier 1 risk-based capital ratio | 12.8017% | 4,549 |
| Total risk-based capital ratio | 13.0047% | 5,155 |
| Memoranda: | ||
| Average total assets | $15,037,750 | 6,233 |
| Average earning assets | $13,719,250 | 6,218 |
| Average equity | $1,123,000 | 6,256 |
| Average total loans | $6,751,000 | 6,173 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8745% | 5,968 |
| Cost of funding earning assets | 0.2519% | 4,917 |
| Net interest margin | 2.6226% | 5,860 |
| Noninterest income to average assets | 0.3646% | 4,331 |
| Noninterest expense to average assets | 2.6604% | 3,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1080% | 5,868 |
| Return on assets (ROA) | 0.1080% | 5,915 |
| Pretax return on assets | 0.0945% | 5,934 |
| Return on Equity (ROE) | 1.4298% | 5,811 |
| Retained earnings to average equity (ytd only) | 1.4298% | 4,980 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5686% | 419 |
| Assets per employee ($millions) | 2.3467% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1270% | 6,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 44.6733% | 5,338 |
| Net loans and leases to deposits | 48.5602% | 5,573 |
| Net loans and leases to core deposits | 48.5602% | 5,676 |
| Total domestic deposits to total assets | 91.9957% | 123 |
| Equity capital to assets | 7.9972% | 5,984 |
| Core capital (leverage) ratio | 7.6619% | 6,050 |
| Tier 1 risk-based capital ratio | 15.6280% | 3,041 |
| Total risk-based capital ratio | 15.7391% | 3,570 |
| Memoranda: | ||
| Average total assets | $14,809,670 | 6,311 |
| Average earning assets | $13,498,000 | 6,295 |
| Average equity | $1,119,000 | 6,332 |
| Average total loans | $6,333,000 | 6,253 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7125% | 6,128 |
| Cost of funding earning assets | 0.2597% | 4,908 |
| Net interest margin | 2.4527% | 6,064 |
| Noninterest income to average assets | 0.3690% | 4,258 |
| Noninterest expense to average assets | 2.7678% | 3,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1318% | 6,119 |
| Return on assets (ROA) | -0.1318% | 6,141 |
| Pretax return on assets | -0.1582% | 6,141 |
| Return on Equity (ROE) | -1.7929% | 6,165 |
| Retained earnings to average equity (ytd only) | -1.7929% | 5,667 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0606% | 240 |
| Assets per employee ($millions) | 2.5040% | 6,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1283% | 6,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 41.4337% | 5,522 |
| Net loans and leases to deposits | 44.7552% | 5,725 |
| Net loans and leases to core deposits | 44.7552% | 5,813 |
| Total domestic deposits to total assets | 92.5785% | 85 |
| Equity capital to assets | 7.4081% | 6,201 |
| Core capital (leverage) ratio | 7.3166% | 6,195 |
| Tier 1 risk-based capital ratio | 17.2853% | 2,384 |
| Total risk-based capital ratio | 17.4095% | 2,783 |
| Memoranda: | ||
| Average total assets | $15,174,500 | 6,378 |
| Average earning assets | $13,862,000 | 6,359 |
| Average equity | $1,115,500 | 6,402 |
| Average total loans | $6,350,500 | 6,324 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7093% | 6,256 |
| Cost of funding earning assets | 0.2613% | 5,210 |
| Net interest margin | 2.4480% | 6,197 |
| Noninterest income to average assets | 0.3333% | 4,725 |
| Noninterest expense to average assets | 2.2700% | 5,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2955% | 5,531 |
| Return on assets (ROA) | 0.2955% | 5,601 |
| Pretax return on assets | 0.3018% | 5,698 |
| Return on Equity (ROE) | 4.3183% | 4,974 |
| Retained earnings to average equity (ytd only) | 4.3183% | 3,119 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2641% | 971 |
| Assets per employee ($millions) | 2.5542% | 6,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1237% | 6,432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 42.1533% | 5,604 |
| Net loans and leases to deposits | 46.5821% | 5,766 |
| Net loans and leases to core deposits | 46.5821% | 5,863 |
| Total domestic deposits to total assets | 90.4927% | 544 |
| Equity capital to assets | 7.2953% | 6,280 |
| Core capital (leverage) ratio | 7.1456% | 6,288 |
| Tier 1 risk-based capital ratio | 11.9572% | 5,390 |
| Total risk-based capital ratio | 12.0428% | 5,931 |
| Memoranda: | ||
| Average total assets | $15,903,200 | 6,456 |
| Average earning assets | $14,542,600 | 6,441 |
| Average equity | $1,088,400 | 6,493 |
| Average total loans | $6,040,600 | 6,418 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6355% | 6,364 |
| Cost of funding earning assets | 0.2544% | 5,359 |
| Net interest margin | 2.3810% | 6,309 |
| Noninterest income to average assets | 0.3323% | 4,778 |
| Noninterest expense to average assets | 2.2266% | 5,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2825% | 5,646 |
| Return on assets (ROA) | 0.2825% | 5,709 |
| Pretax return on assets | 0.2825% | 5,801 |
| Return on Equity (ROE) | 4.1933% | 5,087 |
| Retained earnings to average equity (ytd only) | 4.1933% | 3,665 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7417% | 940 |
| Assets per employee ($millions) | 2.6413% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1281% | 6,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 39.3488% | 5,852 |
| Net loans and leases to deposits | 43.7185% | 5,985 |
| Net loans and leases to core deposits | 43.7185% | 6,049 |
| Total domestic deposits to total assets | 90.0050% | 728 |
| Equity capital to assets | 6.9725% | 6,384 |
| Core capital (leverage) ratio | 6.8822% | 6,394 |
| Tier 1 risk-based capital ratio | 11.9330% | 5,530 |
| Total risk-based capital ratio | 12.0194% | 6,054 |
| Memoranda: | ||
| Average total assets | $16,047,750 | 6,534 |
| Average earning assets | $14,671,000 | 6,521 |
| Average equity | $1,081,000 | 6,572 |
| Average total loans | $5,933,750 | 6,495 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7165% | 6,386 |
| Cost of funding earning assets | 0.2445% | 5,542 |
| Net interest margin | 2.4720% | 6,304 |
| Noninterest income to average assets | 0.3599% | 4,541 |
| Noninterest expense to average assets | 2.4574% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1613% | 5,927 |
| Return on assets (ROA) | 0.1613% | 5,966 |
| Pretax return on assets | 0.1613% | 6,004 |
| Return on Equity (ROE) | 2.4231% | 5,727 |
| Retained earnings to average equity (ytd only) | 2.4231% | 4,670 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8389% | 649 |
| Assets per employee ($millions) | 2.7750% | 6,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1282% | 6,583 |
| Loan loss allowance to noncurrent loans | 800.0000% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 6,242 |
| Noncurrent loans to loans | 0.0160% | 6,030 |
| Net loans and leases to total assets | 37.4354% | 5,985 |
| Net loans and leases to deposits | 40.0450% | 6,151 |
| Net loans and leases to core deposits | 40.0450% | 6,222 |
| Total domestic deposits to total assets | 93.4835% | 65 |
| Equity capital to assets | 6.5105% | 6,496 |
| Core capital (leverage) ratio | 6.6340% | 6,483 |
| Tier 1 risk-based capital ratio | 11.5197% | 5,785 |
| Total risk-based capital ratio | 11.6047% | 6,255 |
| Memoranda: | ||
| Average total assets | $16,114,330 | 6,599 |
| Average earning assets | $14,725,000 | 6,587 |
| Average equity | $1,073,000 | 6,637 |
| Average total loans | $5,830,330 | 6,564 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6818% | 6,476 |
| Cost of funding earning assets | 0.2488% | 5,590 |
| Net interest margin | 2.4330% | 6,393 |
| Noninterest income to average assets | 0.4544% | 3,751 |
| Noninterest expense to average assets | 2.8524% | 3,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1767% | 6,344 |
| Return on assets (ROA) | -0.1767% | 6,345 |
| Pretax return on assets | -0.1767% | 6,330 |
| Return on Equity (ROE) | -2.6230% | 6,387 |
| Retained earnings to average equity (ytd only) | -2.6230% | 5,924 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6038% | 322 |
| Assets per employee ($millions) | 2.6617% | 6,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1408% | 6,652 |
| Loan loss allowance to noncurrent loans | 800.0000% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 6,318 |
| Noncurrent loans to loans | 0.0176% | 6,113 |
| Net loans and leases to total assets | 35.5166% | 6,094 |
| Net loans and leases to deposits | 38.0569% | 6,246 |
| Net loans and leases to core deposits | 39.3780% | 6,258 |
| Total domestic deposits to total assets | 93.3250% | 89 |
| Equity capital to assets | 6.6625% | 6,505 |
| Core capital (leverage) ratio | 6.6667% | 6,523 |
| Tier 1 risk-based capital ratio | 11.7777% | 5,775 |
| Total risk-based capital ratio | 11.8663% | 6,269 |
| Memoranda: | ||
| Average total assets | $15,846,500 | 6,674 |
| Average earning assets | $14,468,000 | 6,664 |
| Average equity | $1,067,500 | 6,706 |
| Average total loans | $5,625,000 | 6,635 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3899% | 6,648 |
| Cost of funding earning assets | 0.2566% | 5,930 |
| Net interest margin | 2.1333% | 6,604 |
| Noninterest income to average assets | 0.3668% | 4,686 |
| Noninterest expense to average assets | 2.3077% | 5,362 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0000% | 6,212 |
| Return on assets (ROA) | 0.0000% | 6,253 |
| Pretax return on assets | 0.0000% | 6,232 |
| Return on Equity (ROE) | 0.0000% | 6,254 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,851 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 474 |
| Assets per employee ($millions) | 2.6205% | 6,298 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1436% | 6,724 |
| Loan loss allowance to noncurrent loans | 9.3023% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 4,587 |
| Noncurrent loans to loans | 1.5440% | 2,578 |
| Net loans and leases to total assets | 35.3749% | 6,230 |
| Net loans and leases to deposits | 40.8400% | 6,276 |
| Net loans and leases to core deposits | 42.3965% | 6,291 |
| Total domestic deposits to total assets | 86.6183% | 2,929 |
| Equity capital to assets | 6.8117% | 6,507 |
| Core capital (leverage) ratio | 7.0833% | 6,509 |
| Tier 1 risk-based capital ratio | 12.3801% | 5,370 |
| Total risk-based capital ratio | 12.4725% | 6,011 |
| Memoranda: | ||
| Average total assets | $14,993,600 | 6,764 |
| Average earning assets | $13,640,800 | 6,752 |
| Average equity | $1,063,400 | 6,795 |
| Average total loans | $5,325,000 | 6,727 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3219% | 6,747 |
| Cost of funding earning assets | 0.2569% | 6,037 |
| Net interest margin | 2.0650% | 6,707 |
| Noninterest income to average assets | 0.3691% | 4,755 |
| Noninterest expense to average assets | 2.2685% | 5,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0180% | 6,316 |
| Return on assets (ROA) | -0.0180% | 6,361 |
| Pretax return on assets | -0.0180% | 6,337 |
| Return on Equity (ROE) | -0.2515% | 6,365 |
| Retained earnings to average equity (ytd only) | -0.2515% | 5,990 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8000% | 440 |
| Assets per employee ($millions) | 2.5578% | 6,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1528% | 6,803 |
| Loan loss allowance to noncurrent loans | 9.1954% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 4,750 |
| Noncurrent loans to loans | 1.6622% | 2,691 |
| Net loans and leases to total assets | 34.0523% | 6,357 |
| Net loans and leases to deposits | 38.7858% | 6,417 |
| Net loans and leases to core deposits | 38.7858% | 6,483 |
| Total domestic deposits to total assets | 87.7957% | 2,250 |
| Equity capital to assets | 6.9655% | 6,562 |
| Core capital (leverage) ratio | 7.0237% | 6,581 |
| Tier 1 risk-based capital ratio | 12.8656% | 5,214 |
| Total risk-based capital ratio | 12.9618% | 5,902 |
| Memoranda: | ||
| Average total assets | $14,811,250 | 6,843 |
| Average earning assets | $13,494,500 | 6,829 |
| Average equity | $1,061,500 | 6,874 |
| Average total loans | $5,263,750 | 6,805 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2514% | 6,808 |
| Cost of funding earning assets | 0.2552% | 6,138 |
| Net interest margin | 1.9962% | 6,766 |
| Noninterest income to average assets | 0.3554% | 4,846 |
| Noninterest expense to average assets | 2.4056% | 5,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.2324% | 6,508 |
| Return on assets (ROA) | -0.2324% | 6,541 |
| Pretax return on assets | -0.2324% | 6,516 |
| Return on Equity (ROE) | -3.2106% | 6,594 |
| Retained earnings to average equity (ytd only) | -3.2106% | 6,334 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6918% | 267 |
| Assets per employee ($millions) | 2.5318% | 6,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1566% | 6,848 |
| Loan loss allowance to noncurrent loans | 9.1954% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 4,816 |
| Noncurrent loans to loans | 1.7025% | 2,756 |
| Net loans and leases to total assets | 33.5857% | 6,433 |
| Net loans and leases to deposits | 36.5866% | 6,538 |
| Net loans and leases to core deposits | 36.5866% | 6,585 |
| Total domestic deposits to total assets | 91.7978% | 295 |
| Equity capital to assets | 6.9383% | 6,617 |
| Core capital (leverage) ratio | 6.9452% | 6,625 |
| Tier 1 risk-based capital ratio | 12.9167% | 5,209 |
| Total risk-based capital ratio | 13.0147% | 5,900 |
| Memoranda: | ||
| Average total assets | $14,632,670 | 6,893 |
| Average earning assets | $13,325,330 | 6,880 |
| Average equity | $1,059,000 | 6,920 |
| Average total loans | $5,273,670 | 6,854 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3343% | 6,861 |
| Cost of funding earning assets | 0.2457% | 6,315 |
| Net interest margin | 2.0886% | 6,816 |
| Noninterest income to average assets | 0.3901% | 4,535 |
| Noninterest expense to average assets | 2.8146% | 3,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5295% | 6,687 |
| Return on assets (ROA) | -0.5295% | 6,709 |
| Pretax return on assets | -0.5295% | 6,685 |
| Return on Equity (ROE) | -7.1597% | 6,746 |
| Retained earnings to average equity (ytd only) | -7.1597% | 6,485 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.1707% | 193 |
| Assets per employee ($millions) | 3.0176% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1488% | 6,929 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 6,555 |
| Noncurrent loans to loans | 0.0558% | 6,307 |
| Net loans and leases to total assets | 35.5912% | 6,324 |
| Net loans and leases to deposits | 38.2669% | 6,494 |
| Net loans and leases to core deposits | 38.2669% | 6,551 |
| Total domestic deposits to total assets | 93.0077% | 126 |
| Equity capital to assets | 6.9724% | 6,718 |
| Core capital (leverage) ratio | 7.3768% | 6,514 |
| Tier 1 risk-based capital ratio | 12.1031% | 5,851 |
| Total risk-based capital ratio | 12.1951% | 6,399 |
| Memoranda: | ||
| Average total assets | $14,353,500 | 6,971 |
| Average earning assets | $13,023,000 | 6,960 |
| Average equity | $1,061,500 | 6,991 |
| Average total loans | $5,355,500 | 6,924 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3215% | 6,968 |
| Cost of funding earning assets | 0.2932% | 6,489 |
| Net interest margin | 2.0284% | 6,924 |
| Noninterest income to average assets | 0.4173% | 4,474 |
| Noninterest expense to average assets | 2.6764% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.4173% | 6,526 |
| Return on assets (ROA) | -0.4173% | 6,572 |
| Pretax return on assets | -0.4173% | 6,537 |
| Return on Equity (ROE) | -5.2670% | 6,604 |
| Retained earnings to average equity (ytd only) | -5.2670% | 6,444 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.4713% | 224 |
| Assets per employee ($millions) | 2.7238% | 6,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1500% | 6,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 39.0998% | 6,222 |
| Net loans and leases to deposits | 44.0520% | 6,365 |
| Net loans and leases to core deposits | 44.0520% | 6,467 |
| Total domestic deposits to total assets | 88.7584% | 1,727 |
| Equity capital to assets | 7.8640% | 6,475 |
| Core capital (leverage) ratio | 7.9634% | 6,229 |
| Tier 1 risk-based capital ratio | 13.5398% | 4,723 |
| Total risk-based capital ratio | 13.6410% | 5,500 |
| Memoranda: | ||
| Average total assets | $13,899,400 | 7,038 |
| Average earning assets | $12,621,000 | 7,025 |
| Average equity | $1,101,200 | 7,057 |
| Average total loans | $4,655,200 | 7,011 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2423% | 7,086 |
| Cost of funding earning assets | 0.3039% | 6,600 |
| Net interest margin | 1.9384% | 7,049 |
| Noninterest income to average assets | 0.4200% | 4,483 |
| Noninterest expense to average assets | 2.4720% | 5,175 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.2863% | 6,562 |
| Return on assets (ROA) | -0.2863% | 6,622 |
| Pretax return on assets | -0.2863% | 6,594 |
| Return on Equity (ROE) | -3.6077% | 6,656 |
| Retained earnings to average equity (ytd only) | -3.6077% | 6,525 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.1004% | 252 |
| Assets per employee ($millions) | 2.6944% | 6,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1663% | 7,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 35.6443% | 6,571 |
| Net loans and leases to deposits | 39.6205% | 6,687 |
| Net loans and leases to core deposits | 39.6205% | 6,754 |
| Total domestic deposits to total assets | 89.9644% | 865 |
| Equity capital to assets | 8.1577% | 6,512 |
| Core capital (leverage) ratio | 7.8957% | 6,400 |
| Tier 1 risk-based capital ratio | 14.6886% | 4,059 |
| Total risk-based capital ratio | 14.7955% | 4,813 |
| Memoranda: | ||
| Average total assets | $13,969,500 | 7,132 |
| Average earning assets | $12,725,000 | 7,120 |
| Average equity | $1,108,750 | 7,152 |
| Average total loans | $4,485,750 | 7,107 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2316% | 7,156 |
| Cost of funding earning assets | 0.3099% | 6,690 |
| Net interest margin | 1.9217% | 7,125 |
| Noninterest income to average assets | 0.4103% | 4,576 |
| Noninterest expense to average assets | 2.5468% | 4,974 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3820% | 6,669 |
| Return on assets (ROA) | -0.3820% | 6,721 |
| Pretax return on assets | -0.3820% | 6,690 |
| Return on Equity (ROE) | -4.8561% | 6,766 |
| Retained earnings to average equity (ytd only) | -4.8561% | 6,609 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6471% | 246 |
| Assets per employee ($millions) | 2.7818% | 6,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1824% | 7,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 31.4688% | 6,833 |
| Net loans and leases to deposits | 35.7481% | 6,884 |
| Net loans and leases to core deposits | 35.7481% | 6,917 |
| Total domestic deposits to total assets | 88.0293% | 2,123 |
| Equity capital to assets | 7.9229% | 6,621 |
| Core capital (leverage) ratio | 7.8062% | 6,445 |
| Tier 1 risk-based capital ratio | 15.2484% | 3,601 |
| Total risk-based capital ratio | 15.3591% | 4,329 |
| Memoranda: | ||
| Average total assets | $14,135,330 | 7,193 |
| Average earning assets | $12,905,330 | 7,181 |
| Average equity | $1,112,000 | 7,209 |
| Average total loans | $4,377,670 | 7,169 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3678% | 7,199 |
| Cost of funding earning assets | 0.3075% | 6,819 |
| Net interest margin | 2.0603% | 7,146 |
| Noninterest income to average assets | 0.4492% | 4,293 |
| Noninterest expense to average assets | 3.0038% | 3,230 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.6738% | 6,899 |
| Return on assets (ROA) | -0.6738% | 6,922 |
| Pretax return on assets | -0.6738% | 6,891 |
| Return on Equity (ROE) | -8.5944% | 6,965 |
| Retained earnings to average equity (ytd only) | -8.5944% | 6,791 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.9157% | 168 |
| Assets per employee ($millions) | 2.8762% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1869% | 7,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 29.7059% | 6,919 |
| Net loans and leases to deposits | 32.9198% | 6,983 |
| Net loans and leases to core deposits | 32.9198% | 7,015 |
| Total domestic deposits to total assets | 90.2371% | 949 |
| Equity capital to assets | 7.6837% | 6,701 |
| Core capital (leverage) ratio | 7.6302% | 6,550 |
| Tier 1 risk-based capital ratio | 15.2709% | 3,570 |
| Total risk-based capital ratio | 15.3814% | 4,337 |
| Memoranda: | ||
| Average total assets | $14,248,500 | 7,257 |
| Average earning assets | $13,008,000 | 7,242 |
| Average equity | $1,117,000 | 7,267 |
| Average total loans | $4,374,000 | 7,229 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3499% | 7,269 |
| Cost of funding earning assets | 0.3213% | 7,070 |
| Net interest margin | 2.0286% | 7,219 |
| Noninterest income to average assets | 0.4203% | 4,446 |
| Noninterest expense to average assets | 2.8101% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.5686% | 6,533 |
| Return on assets (ROA) | -0.5686% | 6,576 |
| Pretax return on assets | -0.5686% | 6,535 |
| Return on Equity (ROE) | -5.9792% | 6,578 |
| Retained earnings to average equity (ytd only) | -5.9792% | 6,504 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.3676% | 262 |
| Assets per employee ($millions) | 2.8232% | 6,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1791% | 7,261 |
| Loan loss allowance to noncurrent loans | 16.3265% | 6,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 6,106 |
| Noncurrent loans to loans | 1.0967% | 4,519 |
| Net loans and leases to total assets | 31.5954% | 6,951 |
| Net loans and leases to deposits | 35.0133% | 7,026 |
| Net loans and leases to core deposits | 35.0133% | 7,058 |
| Total domestic deposits to total assets | 90.2380% | 860 |
| Equity capital to assets | 7.9980% | 6,573 |
| Core capital (leverage) ratio | 8.1889% | 6,022 |
| Tier 1 risk-based capital ratio | 15.4467% | 3,365 |
| Total risk-based capital ratio | 15.5562% | 4,069 |
| Memoranda: | ||
| Average total assets | $12,135,000 | 7,317 |
| Average earning assets | $10,894,000 | 7,304 |
| Average equity | $1,154,000 | 7,320 |
| Average total loans | $4,150,800 | 7,283 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2433% | 7,358 |
| Cost of funding earning assets | 0.3333% | 7,152 |
| Net interest margin | 1.9100% | 7,317 |
| Noninterest income to average assets | 0.4353% | 4,403 |
| Noninterest expense to average assets | 2.8866% | 3,988 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.7445% | 6,775 |
| Return on assets (ROA) | -0.7445% | 6,809 |
| Pretax return on assets | -0.7445% | 6,753 |
| Return on Equity (ROE) | -7.4691% | 6,792 |
| Retained earnings to average equity (ytd only) | -7.4691% | 6,735 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.7594% | 201 |
| Assets per employee ($millions) | 2.7108% | 6,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1927% | 7,333 |
| Loan loss allowance to noncurrent loans | 16.3265% | 6,784 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 6,176 |
| Noncurrent loans to loans | 1.1802% | 4,573 |
| Net loans and leases to total assets | 30.5740% | 7,069 |
| Net loans and leases to deposits | 34.7214% | 7,105 |
| Net loans and leases to core deposits | 34.7214% | 7,150 |
| Total domestic deposits to total assets | 88.0552% | 2,008 |
| Equity capital to assets | 8.3592% | 6,431 |
| Core capital (leverage) ratio | 8.8391% | 5,196 |
| Tier 1 risk-based capital ratio | 16.3539% | 2,939 |
| Total risk-based capital ratio | 16.4694% | 3,499 |
| Memoranda: | ||
| Average total assets | $11,639,750 | 7,397 |
| Average earning assets | $10,401,250 | 7,386 |
| Average equity | $1,160,250 | 7,394 |
| Average total loans | $4,071,500 | 7,358 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4375% | 7,424 |
| Cost of funding earning assets | 0.3277% | 7,264 |
| Net interest margin | 2.1098% | 7,338 |
| Noninterest income to average assets | 0.4545% | 4,255 |
| Noninterest expense to average assets | 3.2541% | 2,718 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.9271% | 6,923 |
| Return on assets (ROA) | -0.9271% | 6,923 |
| Pretax return on assets | -0.9271% | 6,868 |
| Return on Equity (ROE) | -8.7229% | 6,893 |
| Retained earnings to average equity (ytd only) | -8.7229% | 6,808 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.8438% | 199 |
| Assets per employee ($millions) | 2.3824% | 7,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1995% | 7,391 |
| Loan loss allowance to noncurrent loans | 14.5455% | 6,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4617% | 5,997 |
| Noncurrent loans to loans | 1.3712% | 4,356 |
| Net loans and leases to total assets | 33.6048% | 7,055 |
| Net loans and leases to deposits | 37.1991% | 7,146 |
| Net loans and leases to core deposits | 37.1991% | 7,191 |
| Total domestic deposits to total assets | 90.3375% | 794 |
| Equity capital to assets | 9.6289% | 4,625 |
| Core capital (leverage) ratio | 9.9991% | 3,267 |
| Tier 1 risk-based capital ratio | 17.3289% | 2,400 |
| Total risk-based capital ratio | 17.4498% | 2,853 |
| Memoranda: | ||
| Average total assets | $11,001,670 | 7,477 |
| Average earning assets | $9,764,000 | 7,467 |
| Average equity | $1,169,330 | 7,468 |
| Average total loans | $4,044,670 | 7,433 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7570% | 7,449 |
| Cost of funding earning assets | 0.3446% | 7,320 |
| Net interest margin | 2.4124% | 7,249 |
| Noninterest income to average assets | 0.4931% | 3,943 |
| Noninterest expense to average assets | 3.9444% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.3275% | 7,143 |
| Return on assets (ROA) | -1.3275% | 7,147 |
| Pretax return on assets | -1.3275% | 7,105 |
| Return on Equity (ROE) | -11.8594% | 7,073 |
| Retained earnings to average equity (ytd only) | -11.8594% | 6,936 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.7246% | 161 |
| Assets per employee ($millions) | 2.1918% | 7,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2010% | 7,443 |
| Loan loss allowance to noncurrent loans | 400.0000% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 7,144 |
| Noncurrent loans to loans | 0.0502% | 6,923 |
| Net loans and leases to total assets | 36.2533% | 6,989 |
| Net loans and leases to deposits | 40.5739% | 7,073 |
| Net loans and leases to core deposits | 40.5739% | 7,154 |
| Total domestic deposits to total assets | 89.3512% | 1,564 |
| Equity capital to assets | 10.6123% | 3,071 |
| Core capital (leverage) ratio | 10.9510% | 2,234 |
| Tier 1 risk-based capital ratio | 17.2937% | 2,373 |
| Total risk-based capital ratio | 17.4126% | 2,793 |
| Memoranda: | ||
| Average total assets | $10,546,500 | 7,543 |
| Average earning assets | $9,285,500 | 7,531 |
| Average equity | $1,180,500 | 7,521 |
| Average total loans | $4,061,500 | 7,493 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3224% | 7,440 |
| Cost of funding earning assets | 0.4139% | 7,414 |
| Net interest margin | 2.9085% | 6,880 |
| Noninterest income to average assets | 0.5264% | 3,977 |
| Noninterest expense to average assets | 3.3116% | 2,703 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.2297% | 6,145 |
| Return on assets (ROA) | -0.2297% | 6,198 |
| Pretax return on assets | -0.2297% | 6,110 |
| Return on Equity (ROE) | -1.9980% | 6,173 |
| Retained earnings to average equity (ytd only) | -1.9980% | 5,971 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4534% | 589 |
| Assets per employee ($millions) | 2.0268% | 7,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1931% | 7,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 40.7934% | 6,915 |
| Net loans and leases to deposits | 47.4518% | 6,978 |
| Net loans and leases to core deposits | 47.4518% | 7,096 |
| Total domestic deposits to total assets | 85.9680% | 3,370 |
| Equity capital to assets | 11.8216% | 2,025 |
| Core capital (leverage) ratio | 11.4084% | 1,887 |
| Tier 1 risk-based capital ratio | 19.2915% | 1,639 |
| Total risk-based capital ratio | 19.4203% | 1,912 |
| Memoranda: | ||
| Average total assets | $10,448,000 | 7,621 |
| Average earning assets | $9,180,000 | 7,609 |
| Average equity | $1,201,200 | 7,616 |
| Average total loans | $3,511,000 | 7,586 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2489% | 7,590 |
| Cost of funding earning assets | 0.4313% | 7,536 |
| Net interest margin | 2.8177% | 7,110 |
| Noninterest income to average assets | 0.5574% | 3,723 |
| Noninterest expense to average assets | 3.3185% | 2,519 |
| Loan and lease loss provision to assets | -0.0126% | 7,676 |
| Net operating income to assets | -0.2660% | 6,396 |
| Return on assets (ROA) | -0.2660% | 6,446 |
| Pretax return on assets | -0.2660% | 6,383 |
| Return on Equity (ROE) | -2.3295% | 6,435 |
| Retained earnings to average equity (ytd only) | -2.3295% | 6,257 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1667% | 541 |
| Assets per employee ($millions) | 2.0828% | 7,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1848% | 7,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 36.3069% | 7,253 |
| Net loans and leases to deposits | 41.0621% | 7,341 |
| Net loans and leases to core deposits | 41.0621% | 7,398 |
| Total domestic deposits to total assets | 88.4194% | 1,718 |
| Equity capital to assets | 11.5326% | 2,507 |
| Core capital (leverage) ratio | 11.2738% | 2,086 |
| Tier 1 risk-based capital ratio | 20.0803% | 1,531 |
| Total risk-based capital ratio | 20.1973% | 1,728 |
| Memoranda: | ||
| Average total assets | $10,526,500 | 7,720 |
| Average earning assets | $9,274,750 | 7,708 |
| Average equity | $1,202,000 | 7,715 |
| Average total loans | $3,353,250 | 7,687 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0762% | 7,703 |
| Cost of funding earning assets | 0.4517% | 7,600 |
| Net interest margin | 2.6244% | 7,327 |
| Noninterest income to average assets | 0.5680% | 3,561 |
| Noninterest expense to average assets | 3.4646% | 2,113 |
| Loan and lease loss provision to assets | -0.0379% | 7,755 |
| Net operating income to assets | -0.5490% | 6,696 |
| Return on assets (ROA) | -0.5490% | 6,728 |
| Pretax return on assets | -0.5490% | 6,625 |
| Return on Equity (ROE) | -4.8240% | 6,681 |
| Retained earnings to average equity (ytd only) | -4.8240% | 6,533 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.3947% | 413 |
| Assets per employee ($millions) | 2.1072% | 7,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1809% | 7,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 31.4256% | 7,497 |
| Net loans and leases to deposits | 35.4611% | 7,544 |
| Net loans and leases to core deposits | 35.4611% | 7,576 |
| Total domestic deposits to total assets | 88.6200% | 1,663 |
| Equity capital to assets | 11.3231% | 2,576 |
| Core capital (leverage) ratio | 11.3814% | 1,985 |
| Tier 1 risk-based capital ratio | 20.8895% | 1,356 |
| Total risk-based capital ratio | 20.9946% | 1,532 |
| Memoranda: | ||
| Average total assets | $10,564,000 | 7,786 |
| Average earning assets | $9,297,330 | 7,776 |
| Average equity | $1,202,330 | 7,780 |
| Average total loans | $3,208,330 | 7,757 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2588% | 7,766 |
| Cost of funding earning assets | 0.4717% | 7,709 |
| Net interest margin | 2.7872% | 7,194 |
| Noninterest income to average assets | 0.6050% | 3,249 |
| Noninterest expense to average assets | 4.2730% | 741 |
| Loan and lease loss provision to assets | -0.0756% | 7,865 |
| Net operating income to assets | -1.1344% | 7,186 |
| Return on assets (ROA) | -1.1344% | 7,202 |
| Pretax return on assets | -1.1344% | 7,115 |
| Return on Equity (ROE) | -9.9420% | 7,140 |
| Retained earnings to average equity (ytd only) | -9.9420% | 6,964 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.5062% | 259 |
| Assets per employee ($millions) | 2.1224% | 7,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1925% | 7,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 29.3159% | 7,643 |
| Net loans and leases to deposits | 33.0500% | 7,682 |
| Net loans and leases to core deposits | 33.0500% | 7,702 |
| Total domestic deposits to total assets | 88.7015% | 1,675 |
| Equity capital to assets | 11.2326% | 2,547 |
| Core capital (leverage) ratio | 11.1621% | 2,123 |
| Tier 1 risk-based capital ratio | 20.1897% | 1,485 |
| Total risk-based capital ratio | 20.2913% | 1,678 |
| Memoranda: | ||
| Average total assets | $10,578,000 | 7,886 |
| Average earning assets | $9,328,500 | 7,876 |
| Average equity | $1,207,000 | 7,867 |
| Average total loans | $3,154,000 | 7,861 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7124% | 7,780 |
| Cost of funding earning assets | 0.6333% | 7,750 |
| Net interest margin | 3.0791% | 6,439 |
| Noninterest income to average assets | 0.5232% | 4,234 |
| Noninterest expense to average assets | 3.2912% | 3,035 |
| Loan and lease loss provision to assets | -0.0666% | 7,981 |
| Net operating income to assets | -0.0190% | 5,526 |
| Return on assets (ROA) | -0.0190% | 5,568 |
| Pretax return on assets | -0.0190% | 5,477 |
| Return on Equity (ROE) | -0.1647% | 5,566 |
| Retained earnings to average equity (ytd only) | -0.1647% | 4,983 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6706% | 987 |
| Assets per employee ($millions) | 2.1088% | 7,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2507% | 7,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 30.1878% | 7,703 |
| Net loans and leases to deposits | 35.2922% | 7,737 |
| Net loans and leases to core deposits | 35.2922% | 7,817 |
| Total domestic deposits to total assets | 85.5368% | 3,273 |
| Equity capital to assets | 11.5895% | 2,255 |
| Core capital (leverage) ratio | 11.4345% | 1,953 |
| Tier 1 risk-based capital ratio | 22.6129% | 1,079 |
| Total risk-based capital ratio | 22.7609% | 1,189 |
| Memoranda: | ||
| Average total assets | $10,513,000 | 7,963 |
| Average earning assets | $9,158,600 | 7,952 |
| Average equity | $1,214,200 | 7,960 |
| Average total loans | $3,242,600 | 7,937 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 7,886 |
| Cost of funding earning assets | 0.6718% | 7,838 |
| Net interest margin | 3.0523% | 6,459 |
| Noninterest income to average assets | 0.5331% | 4,211 |
| Noninterest expense to average assets | 3.4775% | 2,336 |
| Loan and lease loss provision to assets | -0.0888% | 8,066 |
| Net operating income to assets | -0.2030% | 6,068 |
| Return on assets (ROA) | -0.2030% | 6,079 |
| Pretax return on assets | -0.2030% | 5,987 |
| Return on Equity (ROE) | -1.7595% | 6,060 |
| Retained earnings to average equity (ytd only) | -1.7595% | 5,672 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1633% | 781 |
| Assets per employee ($millions) | 2.1438% | 7,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2361% | 7,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 31.5328% | 7,767 |
| Net loans and leases to deposits | 35.5789% | 7,831 |
| Net loans and leases to core deposits | 35.5789% | 7,905 |
| Total domestic deposits to total assets | 88.6277% | 1,375 |
| Equity capital to assets | 11.2697% | 2,774 |
| Core capital (leverage) ratio | 11.1697% | 2,286 |
| Tier 1 risk-based capital ratio | 21.3654% | 1,315 |
| Total risk-based capital ratio | 21.5069% | 1,464 |
| Memoranda: | ||
| Average total assets | $10,505,250 | 8,048 |
| Average earning assets | $9,129,500 | 8,037 |
| Average equity | $1,212,250 | 8,044 |
| Average total loans | $3,255,500 | 8,017 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7230% | 7,987 |
| Cost of funding earning assets | 0.6570% | 7,953 |
| Net interest margin | 3.0660% | 6,347 |
| Noninterest income to average assets | 0.5559% | 3,985 |
| Noninterest expense to average assets | 3.5078% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.2684% | 6,287 |
| Return on assets (ROA) | -0.2684% | 6,301 |
| Pretax return on assets | -0.2684% | 6,203 |
| Return on Equity (ROE) | -2.3071% | 6,269 |
| Retained earnings to average equity (ytd only) | -2.3071% | 5,814 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.2840% | 901 |
| Assets per employee ($millions) | 1.8272% | 7,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4853% | 7,807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 28.0580% | 7,926 |
| Net loans and leases to deposits | 31.5844% | 7,973 |
| Net loans and leases to core deposits | 31.5844% | 8,023 |
| Total domestic deposits to total assets | 88.8352% | 1,361 |
| Equity capital to assets | 11.0371% | 2,886 |
| Core capital (leverage) ratio | 11.3010% | 2,193 |
| Tier 1 risk-based capital ratio | 22.1490% | 1,225 |
| Total risk-based capital ratio | 22.4236% | 1,333 |
| Memoranda: | ||
| Average total assets | $10,434,000 | 8,139 |
| Average earning assets | $9,132,330 | 8,126 |
| Average equity | $1,213,670 | 8,132 |
| Average total loans | $3,211,330 | 8,109 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9407% | 8,007 |
| Cost of funding earning assets | 0.8060% | 7,903 |
| Net interest margin | 3.1346% | 6,088 |
| Noninterest income to average assets | 0.5507% | 3,915 |
| Noninterest expense to average assets | 3.9727% | 1,215 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.6687% | 7,028 |
| Return on assets (ROA) | -0.6687% | 7,067 |
| Pretax return on assets | -0.6687% | 6,949 |
| Return on Equity (ROE) | -5.5944% | 7,029 |
| Retained earnings to average equity (ytd only) | -5.5944% | 6,632 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.2381% | 627 |
| Assets per employee ($millions) | 1.7603% | 8,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4584% | 7,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 30.8370% | 7,898 |
| Net loans and leases to deposits | 34.9014% | 7,967 |
| Net loans and leases to core deposits | 34.9014% | 8,037 |
| Total domestic deposits to total assets | 88.3545% | 1,545 |
| Equity capital to assets | 11.4278% | 2,633 |
| Core capital (leverage) ratio | 11.8869% | 1,951 |
| Tier 1 risk-based capital ratio | 20.3267% | 1,559 |
| Total risk-based capital ratio | 20.5793% | 1,704 |
| Memoranda: | ||
| Average total assets | $10,169,500 | 8,188 |
| Average earning assets | $8,932,500 | 8,179 |
| Average equity | $1,215,500 | 8,184 |
| Average total loans | $3,271,500 | 8,160 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8742% | 7,913 |
| Cost of funding earning assets | 1.0420% | 8,035 |
| Net interest margin | 3.8322% | 3,881 |
| Noninterest income to average assets | 0.5553% | 4,191 |
| Noninterest expense to average assets | 3.6191% | 2,096 |
| Loan and lease loss provision to assets | 0.0099% | 7,244 |
| Net operating income to assets | 0.2082% | 5,823 |
| Return on assets (ROA) | 0.2082% | 5,643 |
| Pretax return on assets | 0.2082% | 5,710 |
| Return on Equity (ROE) | 1.6744% | 5,717 |
| Retained earnings to average equity (ytd only) | -4.7042% | 6,462 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3152% | 1,260 |
| Assets per employee ($millions) | 1.6295% | 8,122 |
| Cash dividends to net income (ytd only)* | 380.9524% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4586% | 7,906 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 33.3026% | 7,911 |
| Net loans and leases to deposits | 38.2924% | 7,970 |
| Net loans and leases to core deposits | 38.2924% | 8,080 |
| Total domestic deposits to total assets | 86.9694% | 1,948 |
| Equity capital to assets | 12.5192% | 2,002 |
| Core capital (leverage) ratio | 12.5153% | 1,744 |
| Tier 1 risk-based capital ratio | 22.3848% | 1,266 |
| Total risk-based capital ratio | 22.6591% | 1,371 |
| Memoranda: | ||
| Average total assets | $10,085,400 | 8,246 |
| Average earning assets | $8,637,400 | 8,235 |
| Average equity | $1,254,200 | 8,245 |
| Average total loans | $2,662,200 | 8,224 |