Home > Elevate Bank > Performance and Condition Ratios
Elevate 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 | 6.0634% | 587 |
| Cost of funding earning assets | 0.3933% | 4,302 |
| Net interest margin | 5.6701% | 152 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 4.8269% | 240 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7014% | 3,195 |
| Return on assets (ROA) | 0.7414% | 3,055 |
| Pretax return on assets | 0.7857% | 3,245 |
| Return on Equity (ROE) | 6.5500% | 3,402 |
| Retained earnings to average equity (ytd only) | 6.5546% | 2,042 |
| Net charge-offs to loans | 0.0322% | 1,651 |
| Credit loss provision to net charge-offs | -37.5000% | 4,453 |
| Earnings coverage of net charge-offs (x) | 55.7500% | 1,230 |
| Efficiency ratio | 82.5198% | 748 |
| Assets per employee ($millions) | 2.9374% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 847 |
| Loan loss allowance to noncurrent loans | 2,358.8235% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 3,437 |
| Noncurrent loans to loans | 0.0676% | 3,229 |
| Net loans and leases to total assets | 46.8000% | 3,782 |
| Net loans and leases to deposits | 54.2465% | 3,783 |
| Net loans and leases to core deposits | 55.7787% | 3,920 |
| Total domestic deposits to total assets | 86.2700% | 1,921 |
| Equity capital to assets | 13.3109% | 796 |
| Core capital (leverage) ratio | 10.8922% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $58,671,600 | 4,224 |
| Average earning assets | $54,408,000 | 4,206 |
| Average equity | $6,636,600 | 4,091 |
| Average total loans | $24,852,400 | 4,215 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8746% | 628 |
| Cost of funding earning assets | 0.3934% | 4,268 |
| Net interest margin | 5.4812% | 182 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 4.7769% | 245 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5456% | 3,671 |
| Return on assets (ROA) | 0.5988% | 3,533 |
| Pretax return on assets | 0.5921% | 3,747 |
| Return on Equity (ROE) | 5.5100% | 3,728 |
| Retained earnings to average equity (ytd only) | 5.5076% | 2,777 |
| Net charge-offs to loans | 0.0646% | 1,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 20.9167% | 1,793 |
| Efficiency ratio | 86.0291% | 518 |
| Assets per employee ($millions) | 3.1619% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6408% | 803 |
| Loan loss allowance to noncurrent loans | 141.3428% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 1,166 |
| Noncurrent loans to loans | 1.1608% | 678 |
| Net loans and leases to total assets | 42.1300% | 3,988 |
| Net loans and leases to deposits | 47.7974% | 4,015 |
| Net loans and leases to core deposits | 49.0218% | 4,063 |
| Total domestic deposits to total assets | 88.1500% | 1,516 |
| Equity capital to assets | 11.4489% | 1,202 |
| Core capital (leverage) ratio | 10.0517% | 2,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $60,121,000 | 4,233 |
| Average earning assets | $55,923,250 | 4,207 |
| Average equity | $6,536,250 | 4,105 |
| Average total loans | $24,779,250 | 4,234 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7914% | 561 |
| Cost of funding earning assets | 0.3650% | 4,220 |
| Net interest margin | 5.4264% | 188 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 4.7688% | 236 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5219% | 3,760 |
| Return on assets (ROA) | 0.5949% | 3,589 |
| Pretax return on assets | 0.6145% | 3,775 |
| Return on Equity (ROE) | 5.5600% | 3,786 |
| Retained earnings to average equity (ytd only) | 5.5632% | 2,761 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.3300% | 483 |
| Assets per employee ($millions) | 3.1093% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6686% | 803 |
| Loan loss allowance to noncurrent loans | 420.4082% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 2,397 |
| Noncurrent loans to loans | 0.3969% | 1,743 |
| Net loans and leases to total assets | 41.1000% | 3,999 |
| Net loans and leases to deposits | 46.5186% | 4,027 |
| Net loans and leases to core deposits | 47.4273% | 4,091 |
| Total domestic deposits to total assets | 88.3500% | 1,475 |
| Equity capital to assets | 11.2988% | 1,273 |
| Core capital (leverage) ratio | 9.4637% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $61,190,000 | 4,235 |
| Average earning assets | $56,980,667 | 4,218 |
| Average equity | $6,543,000 | 4,126 |
| Average total loans | $24,912,667 | 4,248 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5965% | 529 |
| Cost of funding earning assets | 0.3446% | 4,091 |
| Net interest margin | 5.2519% | 211 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 4.7424% | 253 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4269% | 4,044 |
| Return on assets (ROA) | 0.5655% | 3,727 |
| Pretax return on assets | 0.5783% | 3,880 |
| Return on Equity (ROE) | 5.4300% | 3,821 |
| Retained earnings to average equity (ytd only) | 5.4346% | 2,909 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.0893% | 416 |
| Assets per employee ($millions) | 3.3631% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 935 |
| Loan loss allowance to noncurrent loans | 381.4815% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 2,262 |
| Noncurrent loans to loans | 0.4287% | 1,647 |
| Net loans and leases to total assets | 40.9300% | 4,004 |
| Net loans and leases to deposits | 46.2673% | 4,031 |
| Net loans and leases to core deposits | 47.1477% | 4,071 |
| Total domestic deposits to total assets | 88.4700% | 1,748 |
| Equity capital to assets | 11.1603% | 1,284 |
| Core capital (leverage) ratio | 9.0043% | 3,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $62,246,500 | 4,288 |
| Average earning assets | $58,036,000 | 4,262 |
| Average equity | $6,477,000 | 4,191 |
| Average total loans | $25,023,500 | 4,308 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9016% | 4,689 |
| Cost of funding earning assets | 0.0556% | 4,562 |
| Net interest margin | 0.8460% | 4,686 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 0.6937% | 4,676 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0335% | 2,441 |
| Return on assets (ROA) | 1.0350% | 2,377 |
| Pretax return on assets | 1.0636% | 2,885 |
| Return on Equity (ROE) | 11.1100% | 2,438 |
| Retained earnings to average equity (ytd only) | 11.1111% | 861 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 37.7939% | 4,581 |
| Assets per employee ($millions) | 3.9973% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 2,268 |
| Noncurrent loans to loans | 0.4707% | 1,525 |
| Net loans and leases to total assets | 38.8700% | 4,107 |
| Net loans and leases to deposits | 43.1943% | 4,140 |
| Net loans and leases to core deposits | 43.9581% | 4,180 |
| Total domestic deposits to total assets | 89.9800% | 1,374 |
| Equity capital to assets | 9.6909% | 1,891 |
| Core capital (leverage) ratio | 7.9162% | 4,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3804% | 1,272 |
| Memoranda: | ||
| Average total assets | $62,992,400 | 4,307 |
| Average earning assets | $59,341,200 | 4,273 |
| Average equity | $5,868,000 | 4,340 |
| Average total loans | $25,840,800 | 4,308 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2052% | 3,422 |
| Cost of funding earning assets | 0.2384% | 2,837 |
| Net interest margin | 2.9667% | 3,305 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 3.5292% | 476 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | -0.6077% | 4,687 |
| Return on assets (ROA) | -0.5992% | 4,674 |
| Pretax return on assets | -0.5801% | 4,667 |
| Return on Equity (ROE) | -6.5000% | 4,676 |
| Retained earnings to average equity (ytd only) | -6.4988% | 4,633 |
| Net charge-offs to loans | 0.1840% | 365 |
| Credit loss provision to net charge-offs | 105.5556% | 1,294 |
| Earnings coverage of net charge-offs (x) | -6.6389% | 4,729 |
| Efficiency ratio | 116.8073% | 76 |
| Assets per employee ($millions) | 4.1409% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2884% | 297 |
| Loan loss allowance to noncurrent loans | 537.8378% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 2,391 |
| Noncurrent loans to loans | 0.4255% | 1,747 |
| Net loans and leases to total assets | 41.0400% | 4,024 |
| Net loans and leases to deposits | 44.7910% | 4,077 |
| Net loans and leases to core deposits | 45.8512% | 4,118 |
| Total domestic deposits to total assets | 91.6200% | 1,004 |
| Equity capital to assets | 8.1415% | 2,806 |
| Core capital (leverage) ratio | 10.1075% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $62,751,250 | 4,342 |
| Average earning assets | $59,278,000 | 4,304 |
| Average equity | $5,785,500 | 4,389 |
| Average total loans | $26,086,750 | 4,334 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9391% | 3,700 |
| Cost of funding earning assets | 0.2382% | 2,416 |
| Net interest margin | 2.7009% | 3,697 |
| Noninterest income to average assets | 0.2954% | 3,396 |
| Noninterest expense to average assets | 3.3130% | 537 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.4892% | 4,682 |
| Return on assets (ROA) | -0.4828% | 4,663 |
| Pretax return on assets | -0.4542% | 4,646 |
| Return on Equity (ROE) | -5.0429% | 4,675 |
| Retained earnings to average equity (ytd only) | -5.0429% | 4,544 |
| Net charge-offs to loans | -0.0230% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.1470% | 91 |
| Assets per employee ($millions) | 3.8623% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1940% | 386 |
| Loan loss allowance to noncurrent loans | 650.0000% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 2,676 |
| Noncurrent loans to loans | 0.3375% | 2,128 |
| Net loans and leases to total assets | 43.1380% | 3,895 |
| Net loans and leases to deposits | 47.5662% | 3,942 |
| Net loans and leases to core deposits | 48.7100% | 3,993 |
| Total domestic deposits to total assets | 90.6905% | 1,384 |
| Equity capital to assets | 9.0393% | 2,362 |
| Core capital (leverage) ratio | 10.0542% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,963,667 | 4,385 |
| Average earning assets | $59,610,667 | 4,360 |
| Average equity | $6,028,333 | 4,409 |
| Average total loans | $26,086,333 | 4,391 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7186% | 3,904 |
| Cost of funding earning assets | 0.2387% | 2,279 |
| Net interest margin | 2.4799% | 3,938 |
| Noninterest income to average assets | 0.3336% | 3,097 |
| Noninterest expense to average assets | 2.8074% | 1,144 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1762% | 4,630 |
| Return on assets (ROA) | -0.1762% | 4,614 |
| Pretax return on assets | -0.1196% | 4,586 |
| Return on Equity (ROE) | -1.7921% | 4,630 |
| Retained earnings to average equity (ytd only) | -1.7921% | 4,233 |
| Net charge-offs to loans | -0.0471% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4496% | 181 |
| Assets per employee ($millions) | 3.8305% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2780% | 385 |
| Loan loss allowance to noncurrent loans | 502.5210% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 2,470 |
| Noncurrent loans to loans | 0.4533% | 1,890 |
| Net loans and leases to total assets | 41.8565% | 3,889 |
| Net loans and leases to deposits | 46.5479% | 3,950 |
| Net loans and leases to core deposits | 47.6857% | 3,998 |
| Total domestic deposits to total assets | 89.9214% | 1,610 |
| Equity capital to assets | 9.7849% | 2,064 |
| Core capital (leverage) ratio | 10.6221% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,547,000 | 4,398 |
| Average earning assets | $60,324,500 | 4,373 |
| Average equity | $6,249,500 | 4,443 |
| Average total loans | $25,501,500 | 4,418 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8999% | 4,054 |
| Cost of funding earning assets | 0.3006% | 2,402 |
| Net interest margin | 2.5993% | 4,050 |
| Noninterest income to average assets | 0.2829% | 3,702 |
| Noninterest expense to average assets | 2.9653% | 1,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.2059% | 4,724 |
| Return on assets (ROA) | -0.2000% | 4,728 |
| Pretax return on assets | -0.2162% | 4,733 |
| Return on Equity (ROE) | -1.8522% | 4,730 |
| Retained earnings to average equity (ytd only) | -1.8522% | 4,619 |
| Net charge-offs to loans | 0.0565% | 1,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | -9.1333% | 2,681 |
| Efficiency ratio | 108.1209% | 103 |
| Assets per employee ($millions) | 4.3871% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3998% | 327 |
| Loan loss allowance to noncurrent loans | 353.5714% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 2,285 |
| Noncurrent loans to loans | 0.6787% | 1,474 |
| Net loans and leases to total assets | 36.7109% | 4,254 |
| Net loans and leases to deposits | 40.8633% | 4,312 |
| Net loans and leases to core deposits | 41.7930% | 4,344 |
| Total domestic deposits to total assets | 89.8383% | 1,040 |
| Equity capital to assets | 9.8806% | 2,772 |
| Core capital (leverage) ratio | 10.9459% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,511,800 | 4,439 |
| Average earning assets | $58,208,600 | 4,407 |
| Average equity | $6,640,800 | 4,466 |
| Average total loans | $26,558,600 | 4,445 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9974% | 4,008 |
| Cost of funding earning assets | 0.3222% | 2,383 |
| Net interest margin | 2.6753% | 4,019 |
| Noninterest income to average assets | 0.2890% | 3,726 |
| Noninterest expense to average assets | 3.0179% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.1780% | 4,792 |
| Return on assets (ROA) | -0.1721% | 4,796 |
| Pretax return on assets | -0.1941% | 4,797 |
| Return on Equity (ROE) | -1.5579% | 4,798 |
| Retained earnings to average equity (ytd only) | -1.5579% | 4,688 |
| Net charge-offs to loans | 0.0740% | 912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | -6.0667% | 2,435 |
| Efficiency ratio | 107.1261% | 115 |
| Assets per employee ($millions) | 3.9096% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2923% | 397 |
| Loan loss allowance to noncurrent loans | 371.2500% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 2,413 |
| Noncurrent loans to loans | 0.6175% | 1,769 |
| Net loans and leases to total assets | 43.1741% | 4,008 |
| Net loans and leases to deposits | 48.8510% | 4,080 |
| Net loans and leases to core deposits | 50.1227% | 4,128 |
| Total domestic deposits to total assets | 88.3790% | 1,627 |
| Equity capital to assets | 11.3174% | 1,797 |
| Core capital (leverage) ratio | 10.9224% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,438,250 | 4,508 |
| Average earning assets | $57,114,000 | 4,485 |
| Average equity | $6,675,500 | 4,526 |
| Average total loans | $27,010,250 | 4,495 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9757% | 4,086 |
| Cost of funding earning assets | 0.3329% | 2,465 |
| Net interest margin | 2.6427% | 4,097 |
| Noninterest income to average assets | 0.2720% | 3,775 |
| Noninterest expense to average assets | 3.1784% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.3768% | 4,854 |
| Return on assets (ROA) | -0.3768% | 4,858 |
| Pretax return on assets | -0.4096% | 4,857 |
| Return on Equity (ROE) | -3.4388% | 4,861 |
| Retained earnings to average equity (ytd only) | -3.4388% | 4,735 |
| Net charge-offs to loans | 0.0073% | 1,869 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | -125.0000% | 2,238 |
| Efficiency ratio | 114.7929% | 92 |
| Assets per employee ($millions) | 4.0115% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2667% | 386 |
| Loan loss allowance to noncurrent loans | 211.4583% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 1,752 |
| Noncurrent loans to loans | 1.0719% | 1,134 |
| Net loans and leases to total assets | 43.6375% | 4,062 |
| Net loans and leases to deposits | 49.2082% | 4,157 |
| Net loans and leases to core deposits | 50.4506% | 4,217 |
| Total domestic deposits to total assets | 88.6793% | 1,463 |
| Equity capital to assets | 10.9734% | 1,997 |
| Core capital (leverage) ratio | 10.5423% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,036,333 | 4,526 |
| Average earning assets | $57,668,000 | 4,504 |
| Average equity | $6,688,333 | 4,545 |
| Average total loans | $27,376,000 | 4,520 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9269% | 4,219 |
| Cost of funding earning assets | 0.3237% | 2,766 |
| Net interest margin | 2.6033% | 4,143 |
| Noninterest income to average assets | 0.2733% | 3,766 |
| Noninterest expense to average assets | 3.4164% | 519 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.6182% | 4,906 |
| Return on assets (ROA) | -0.6182% | 4,906 |
| Pretax return on assets | -0.6833% | 4,907 |
| Return on Equity (ROE) | -5.6455% | 4,909 |
| Retained earnings to average equity (ytd only) | -5.6455% | 4,721 |
| Net charge-offs to loans | 0.0290% | 1,198 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | -52.5000% | 1,923 |
| Efficiency ratio | 125.0000% | 63 |
| Assets per employee ($millions) | 3.6574% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2351% | 400 |
| Loan loss allowance to noncurrent loans | 410.8108% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 2,949 |
| Noncurrent loans to loans | 0.5441% | 2,227 |
| Net loans and leases to total assets | 42.7721% | 4,189 |
| Net loans and leases to deposits | 48.0835% | 4,262 |
| Net loans and leases to core deposits | 49.5463% | 4,321 |
| Total domestic deposits to total assets | 88.9539% | 1,361 |
| Equity capital to assets | 10.6729% | 2,113 |
| Core capital (leverage) ratio | 10.7471% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,468,000 | 4,541 |
| Average earning assets | $58,081,000 | 4,520 |
| Average equity | $6,731,000 | 4,551 |
| Average total loans | $27,630,500 | 4,540 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4602% | 4,096 |
| Cost of funding earning assets | 0.5206% | 2,812 |
| Net interest margin | 2.9396% | 4,039 |
| Noninterest income to average assets | 0.3193% | 3,547 |
| Noninterest expense to average assets | 3.6378% | 575 |
| Loan and lease loss provision to assets | 0.2547% | 1,524 |
| Net operating income to assets | -0.8067% | 4,910 |
| Return on assets (ROA) | -0.7914% | 4,911 |
| Pretax return on assets | -0.7863% | 4,908 |
| Return on Equity (ROE) | -6.7104% | 4,916 |
| Retained earnings to average equity (ytd only) | -6.7104% | 4,867 |
| Net charge-offs to loans | 0.1592% | 1,027 |
| Credit loss provision to net charge-offs | 333.3333% | 1,621 |
| Earnings coverage of net charge-offs (x) | -7.1556% | 3,392 |
| Efficiency ratio | 117.6923% | 84 |
| Assets per employee ($millions) | 3.5741% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1740% | 432 |
| Loan loss allowance to noncurrent loans | 6,777.7778% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 4,337 |
| Noncurrent loans to loans | 0.0321% | 4,182 |
| Net loans and leases to total assets | 45.1761% | 4,182 |
| Net loans and leases to deposits | 51.1345% | 4,261 |
| Net loans and leases to core deposits | 52.7389% | 4,309 |
| Total domestic deposits to total assets | 88.3476% | 1,305 |
| Equity capital to assets | 11.2344% | 2,069 |
| Core capital (leverage) ratio | 10.8097% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,882,200 | 4,526 |
| Average earning assets | $55,517,000 | 4,503 |
| Average equity | $6,944,400 | 4,534 |
| Average total loans | $28,267,000 | 4,545 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5717% | 4,082 |
| Cost of funding earning assets | 0.5646% | 2,840 |
| Net interest margin | 3.0071% | 3,962 |
| Noninterest income to average assets | 0.3104% | 3,634 |
| Noninterest expense to average assets | 3.5973% | 616 |
| Loan and lease loss provision to assets | 0.3424% | 1,118 |
| Net operating income to assets | -0.8012% | 4,928 |
| Return on assets (ROA) | -0.7875% | 4,935 |
| Pretax return on assets | -0.7829% | 4,923 |
| Return on Equity (ROE) | -6.5958% | 4,934 |
| Retained earnings to average equity (ytd only) | -6.5958% | 4,880 |
| Net charge-offs to loans | 0.2213% | 690 |
| Credit loss provision to net charge-offs | 319.1489% | 1,703 |
| Earnings coverage of net charge-offs (x) | -4.2340% | 3,184 |
| Efficiency ratio | 114.4517% | 96 |
| Assets per employee ($millions) | 3.8699% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2271% | 336 |
| Loan loss allowance to noncurrent loans | 15,200.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,486 |
| Noncurrent loans to loans | 0.0147% | 4,383 |
| Net loans and leases to total assets | 43.1086% | 4,458 |
| Net loans and leases to deposits | 48.8221% | 4,521 |
| Net loans and leases to core deposits | 50.3214% | 4,572 |
| Total domestic deposits to total assets | 88.2974% | 1,062 |
| Equity capital to assets | 11.2326% | 2,204 |
| Core capital (leverage) ratio | 10.8328% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,412,750 | 4,550 |
| Average earning assets | $55,024,000 | 4,525 |
| Average equity | $6,974,000 | 4,548 |
| Average total loans | $28,319,000 | 4,565 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7845% | 3,899 |
| Cost of funding earning assets | 0.6042% | 2,938 |
| Net interest margin | 3.1803% | 3,720 |
| Noninterest income to average assets | 0.3214% | 3,539 |
| Noninterest expense to average assets | 3.6510% | 611 |
| Loan and lease loss provision to assets | 0.5241% | 657 |
| Net operating income to assets | -0.8630% | 4,956 |
| Return on assets (ROA) | -0.8420% | 4,946 |
| Pretax return on assets | -0.8350% | 4,934 |
| Return on Equity (ROE) | -6.9051% | 4,953 |
| Retained earnings to average equity (ytd only) | -6.9051% | 4,848 |
| Net charge-offs to loans | 0.3140% | 514 |
| Credit loss provision to net charge-offs | 333.3333% | 1,547 |
| Earnings coverage of net charge-offs (x) | -2.1111% | 2,962 |
| Efficiency ratio | 110.0000% | 116 |
| Assets per employee ($millions) | 4.2022% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0616% | 398 |
| Loan loss allowance to noncurrent loans | 5,940.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,480 |
| Noncurrent loans to loans | 0.0347% | 4,339 |
| Net loans and leases to total assets | 44.7670% | 4,415 |
| Net loans and leases to deposits | 50.6953% | 4,503 |
| Net loans and leases to core deposits | 52.2207% | 4,555 |
| Total domestic deposits to total assets | 88.3061% | 1,038 |
| Equity capital to assets | 11.1688% | 2,194 |
| Core capital (leverage) ratio | 11.4085% | 1,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,244,333 | 4,578 |
| Average earning assets | $53,956,333 | 4,551 |
| Average equity | $6,980,333 | 4,567 |
| Average total loans | $28,658,667 | 4,586 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 3,658 |
| Cost of funding earning assets | 0.7162% | 2,864 |
| Net interest margin | 3.3321% | 3,508 |
| Noninterest income to average assets | 0.4342% | 2,885 |
| Noninterest expense to average assets | 3.8123% | 613 |
| Loan and lease loss provision to assets | 0.7360% | 350 |
| Net operating income to assets | -0.9641% | 4,984 |
| Return on assets (ROA) | -0.9273% | 4,961 |
| Pretax return on assets | -0.9273% | 4,946 |
| Return on Equity (ROE) | -7.2513% | 4,966 |
| Retained earnings to average equity (ytd only) | -7.2513% | 4,659 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3655% | 171 |
| Assets per employee ($millions) | 3.1651% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0035% | 499 |
| Loan loss allowance to noncurrent loans | 438.3459% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 3,467 |
| Noncurrent loans to loans | 0.4571% | 2,880 |
| Net loans and leases to total assets | 52.9978% | 4,055 |
| Net loans and leases to deposits | 61.0164% | 4,160 |
| Net loans and leases to core deposits | 63.2088% | 4,215 |
| Total domestic deposits to total assets | 86.8583% | 1,621 |
| Equity capital to assets | 12.7030% | 1,619 |
| Core capital (leverage) ratio | 12.4377% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9885% | 643 |
| Memoranda: | ||
| Average total assets | $54,350,000 | 4,632 |
| Average earning assets | $51,379,500 | 4,614 |
| Average equity | $6,950,500 | 4,604 |
| Average total loans | $28,582,000 | 4,627 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1667% | 3,890 |
| Cost of funding earning assets | 0.6530% | 3,399 |
| Net interest margin | 3.5137% | 3,408 |
| Noninterest income to average assets | 0.3662% | 3,507 |
| Noninterest expense to average assets | 3.6464% | 810 |
| Loan and lease loss provision to assets | 0.3981% | 362 |
| Net operating income to assets | -0.3645% | 5,040 |
| Return on assets (ROA) | -0.3556% | 5,048 |
| Pretax return on assets | -0.3468% | 5,042 |
| Return on Equity (ROE) | -3.0028% | 5,047 |
| Retained earnings to average equity (ytd only) | -3.0028% | 4,912 |
| Net charge-offs to loans | 1.1687% | 133 |
| Credit loss provision to net charge-offs | 68.8073% | 2,927 |
| Earnings coverage of net charge-offs (x) | 0.0734% | 3,632 |
| Efficiency ratio | 98.8489% | 173 |
| Assets per employee ($millions) | 3.2291% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7281% | 751 |
| Loan loss allowance to noncurrent loans | 270.9497% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.3261% | 3,112 |
| Noncurrent loans to loans | 0.6378% | 2,289 |
| Net loans and leases to total assets | 50.2423% | 4,319 |
| Net loans and leases to deposits | 57.9278% | 4,374 |
| Net loans and leases to core deposits | 59.9670% | 4,443 |
| Total domestic deposits to total assets | 86.7326% | 1,742 |
| Equity capital to assets | 12.8721% | 1,602 |
| Core capital (leverage) ratio | 12.9102% | 1,277 |
| Tier 1 risk-based capital ratio | 21.3868% | 1,099 |
| Total risk-based capital ratio | 22.6369% | 1,080 |
| Memoranda: | ||
| Average total assets | $56,521,200 | 4,640 |
| Average earning assets | $53,447,200 | 4,619 |
| Average equity | $6,693,800 | 4,669 |
| Average total loans | $27,979,600 | 4,681 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1781% | 3,970 |
| Cost of funding earning assets | 0.6333% | 3,522 |
| Net interest margin | 3.5448% | 3,422 |
| Noninterest income to average assets | 0.3533% | 3,613 |
| Noninterest expense to average assets | 3.6126% | 835 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0705% | 5,038 |
| Return on assets (ROA) | 0.1334% | 5,013 |
| Pretax return on assets | 0.1732% | 4,996 |
| Return on Equity (ROE) | 1.1417% | 4,999 |
| Retained earnings to average equity (ytd only) | 1.1417% | 4,531 |
| Net charge-offs to loans | 1.5642% | 80 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 0.1219% | 3,376 |
| Efficiency ratio | 97.4747% | 175 |
| Assets per employee ($millions) | 3.2329% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 3,734 |
| Loan loss allowance to noncurrent loans | 144.7514% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 3,224 |
| Noncurrent loans to loans | 0.6702% | 2,278 |
| Net loans and leases to total assets | 48.6627% | 4,492 |
| Net loans and leases to deposits | 56.4276% | 4,537 |
| Net loans and leases to core deposits | 58.7583% | 4,573 |
| Total domestic deposits to total assets | 86.2391% | 1,887 |
| Equity capital to assets | 13.2442% | 1,487 |
| Core capital (leverage) ratio | 12.9740% | 1,356 |
| Tier 1 risk-based capital ratio | 22.5423% | 1,004 |
| Total risk-based capital ratio | 23.3520% | 1,027 |
| Memoranda: | ||
| Average total assets | $56,984,250 | 4,703 |
| Average earning assets | $53,898,500 | 4,681 |
| Average equity | $6,657,000 | 4,730 |
| Average total loans | $27,958,250 | 4,749 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1648% | 4,007 |
| Cost of funding earning assets | 0.6049% | 3,620 |
| Net interest margin | 3.5598% | 3,403 |
| Noninterest income to average assets | 0.3295% | 3,737 |
| Noninterest expense to average assets | 3.5901% | 860 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0761% | 5,074 |
| Return on assets (ROA) | 0.1665% | 5,032 |
| Pretax return on assets | 0.2220% | 5,009 |
| Return on Equity (ROE) | 1.4884% | 5,003 |
| Retained earnings to average equity (ytd only) | 1.4884% | 4,298 |
| Net charge-offs to loans | 0.0071% | 2,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,436 |
| Efficiency ratio | 97.0919% | 188 |
| Assets per employee ($millions) | 3.3038% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0391% | 441 |
| Loan loss allowance to noncurrent loans | 116.5029% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.9063% | 1,534 |
| Noncurrent loans to loans | 1.7502% | 864 |
| Net loans and leases to total assets | 50.7247% | 4,431 |
| Net loans and leases to deposits | 58.5026% | 4,495 |
| Net loans and leases to core deposits | 62.5445% | 4,480 |
| Total domestic deposits to total assets | 86.7050% | 1,729 |
| Equity capital to assets | 12.8214% | 1,679 |
| Core capital (leverage) ratio | 12.7913% | 1,410 |
| Tier 1 risk-based capital ratio | 21.6534% | 1,098 |
| Total risk-based capital ratio | 22.9079% | 1,078 |
| Memoranda: | ||
| Average total assets | $57,659,000 | 4,729 |
| Average earning assets | $54,553,000 | 4,706 |
| Average equity | $6,449,670 | 4,788 |
| Average total loans | $28,275,330 | 4,778 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 3,998 |
| Cost of funding earning assets | 0.5859% | 3,648 |
| Net interest margin | 3.5661% | 3,377 |
| Noninterest income to average assets | 0.3493% | 3,520 |
| Noninterest expense to average assets | 3.6092% | 839 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0514% | 5,116 |
| Return on assets (ROA) | 0.2192% | 5,001 |
| Pretax return on assets | 0.3287% | 4,925 |
| Return on Equity (ROE) | 2.1073% | 4,954 |
| Retained earnings to average equity (ytd only) | 2.1073% | 4,042 |
| Net charge-offs to loans | 0.0144% | 2,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,677 |
| Efficiency ratio | 96.8750% | 215 |
| Assets per employee ($millions) | 3.0752% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1250% | 405 |
| Loan loss allowance to noncurrent loans | 4,242.8571% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 4,730 |
| Noncurrent loans to loans | 0.0501% | 4,544 |
| Net loans and leases to total assets | 46.8252% | 4,633 |
| Net loans and leases to deposits | 53.4397% | 4,694 |
| Net loans and leases to core deposits | 56.6333% | 4,686 |
| Total domestic deposits to total assets | 87.6224% | 1,508 |
| Equity capital to assets | 11.9087% | 2,077 |
| Core capital (leverage) ratio | 12.4923% | 1,524 |
| Tier 1 risk-based capital ratio | 21.3388% | 1,124 |
| Total risk-based capital ratio | 22.5925% | 1,107 |
| Memoranda: | ||
| Average total assets | $58,406,500 | 4,765 |
| Average earning assets | $55,299,000 | 4,744 |
| Average equity | $6,074,000 | 4,882 |
| Average total loans | $27,872,000 | 4,842 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9662% | 4,123 |
| Cost of funding earning assets | 0.6142% | 2,626 |
| Net interest margin | 3.3520% | 4,124 |
| Noninterest income to average assets | 0.2951% | 4,132 |
| Noninterest expense to average assets | 3.6400% | 829 |
| Loan and lease loss provision to assets | 0.0500% | 3,185 |
| Net operating income to assets | -0.2821% | 5,287 |
| Return on assets (ROA) | -0.6103% | 5,318 |
| Pretax return on assets | -0.6336% | 5,319 |
| Return on Equity (ROE) | -7.3740% | 5,329 |
| Retained earnings to average equity (ytd only) | -7.3740% | 5,284 |
| Net charge-offs to loans | 0.0889% | 1,889 |
| Credit loss provision to net charge-offs | 115.3846% | 2,248 |
| Earnings coverage of net charge-offs (x) | -5.5769% | 3,746 |
| Efficiency ratio | 107.1148% | 96 |
| Assets per employee ($millions) | 3.4344% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1554% | 362 |
| Loan loss allowance to noncurrent loans | 1,151.9231% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 4,375 |
| Noncurrent loans to loans | 0.1871% | 3,902 |
| Net loans and leases to total assets | 46.5736% | 4,713 |
| Net loans and leases to deposits | 51.3367% | 4,842 |
| Net loans and leases to core deposits | 54.2874% | 4,839 |
| Total domestic deposits to total assets | 90.7219% | 268 |
| Equity capital to assets | 8.8893% | 4,666 |
| Core capital (leverage) ratio | 10.2809% | 3,270 |
| Tier 1 risk-based capital ratio | 17.3456% | 1,939 |
| Total risk-based capital ratio | 18.6021% | 1,894 |
| Memoranda: | ||
| Average total assets | $59,971,800 | 4,763 |
| Average earning assets | $55,519,800 | 4,759 |
| Average equity | $4,963,400 | 5,055 |
| Average total loans | $29,239,200 | 4,834 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9538% | 4,065 |
| Cost of funding earning assets | 0.6378% | 2,225 |
| Net interest margin | 3.3160% | 4,239 |
| Noninterest income to average assets | 0.2915% | 4,206 |
| Noninterest expense to average assets | 3.4255% | 1,082 |
| Loan and lease loss provision to assets | 0.0663% | 2,652 |
| Net operating income to assets | -0.1419% | 5,339 |
| Return on assets (ROA) | -0.1612% | 5,339 |
| Pretax return on assets | -0.1656% | 5,339 |
| Return on Equity (ROE) | -1.9836% | 5,350 |
| Retained earnings to average equity (ytd only) | -1.9836% | 5,196 |
| Net charge-offs to loans | 0.1171% | 1,337 |
| Credit loss provision to net charge-offs | 115.3846% | 2,049 |
| Earnings coverage of net charge-offs (x) | -1.3845% | 3,441 |
| Efficiency ratio | 102.3762% | 121 |
| Assets per employee ($millions) | 3.3376% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1423% | 395 |
| Loan loss allowance to noncurrent loans | 418.8811% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 3,697 |
| Noncurrent loans to loans | 0.5114% | 2,851 |
| Net loans and leases to total assets | 48.2226% | 4,706 |
| Net loans and leases to deposits | 52.7441% | 4,862 |
| Net loans and leases to core deposits | 55.8308% | 4,849 |
| Total domestic deposits to total assets | 91.4274% | 145 |
| Equity capital to assets | 8.3047% | 5,033 |
| Core capital (leverage) ratio | 9.5330% | 4,137 |
| Tier 1 risk-based capital ratio | 16.3920% | 2,303 |
| Total risk-based capital ratio | 17.6458% | 2,244 |
| Memoranda: | ||
| Average total assets | $60,368,500 | 4,807 |
| Average earning assets | $55,607,250 | 4,809 |
| Average equity | $4,906,750 | 5,122 |
| Average total loans | $29,601,250 | 4,882 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 3,982 |
| Cost of funding earning assets | 0.6547% | 1,903 |
| Net interest margin | 3.2806% | 4,307 |
| Noninterest income to average assets | 0.2468% | 4,528 |
| Noninterest expense to average assets | 3.3616% | 1,199 |
| Loan and lease loss provision to assets | 0.0974% | 1,987 |
| Net operating income to assets | -0.2046% | 5,396 |
| Return on assets (ROA) | -0.2274% | 5,396 |
| Pretax return on assets | -0.2079% | 5,394 |
| Return on Equity (ROE) | -2.8160% | 5,409 |
| Retained earnings to average equity (ytd only) | -2.8160% | 5,202 |
| Net charge-offs to loans | -0.0332% | 4,772 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6786% | 142 |
| Assets per employee ($millions) | 2.9531% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2002% | 371 |
| Loan loss allowance to noncurrent loans | 451.0638% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 3,816 |
| Noncurrent loans to loans | 0.4878% | 2,972 |
| Net loans and leases to total assets | 47.8658% | 4,725 |
| Net loans and leases to deposits | 53.1391% | 4,872 |
| Net loans and leases to core deposits | 56.1592% | 4,860 |
| Total domestic deposits to total assets | 90.0764% | 547 |
| Equity capital to assets | 8.1746% | 5,148 |
| Core capital (leverage) ratio | 8.9125% | 4,763 |
| Tier 1 risk-based capital ratio | 15.5396% | 2,620 |
| Total risk-based capital ratio | 16.7954% | 2,556 |
| Memoranda: | ||
| Average total assets | $61,578,330 | 4,841 |
| Average earning assets | $56,819,670 | 4,842 |
| Average equity | $4,971,670 | 5,168 |
| Average total loans | $30,148,330 | 4,924 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8249% | 4,148 |
| Cost of funding earning assets | 0.6203% | 1,913 |
| Net interest margin | 3.2047% | 4,441 |
| Noninterest income to average assets | 0.4074% | 3,409 |
| Noninterest expense to average assets | 3.3102% | 1,330 |
| Loan and lease loss provision to assets | 0.1910% | 881 |
| Net operating income to assets | -0.1273% | 5,428 |
| Return on assets (ROA) | -0.1273% | 5,420 |
| Pretax return on assets | -0.1337% | 5,422 |
| Return on Equity (ROE) | -1.5862% | 5,442 |
| Retained earnings to average equity (ytd only) | -1.5862% | 4,970 |
| Net charge-offs to loans | -0.0390% | 4,862 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2987% | 202 |
| Assets per employee ($millions) | 3.1887% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9846% | 561 |
| Loan loss allowance to noncurrent loans | 415.0327% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 2,360 |
| Noncurrent loans to loans | 0.4782% | 3,085 |
| Net loans and leases to total assets | 49.1752% | 4,617 |
| Net loans and leases to deposits | 61.0742% | 4,391 |
| Net loans and leases to core deposits | 64.2051% | 4,413 |
| Total domestic deposits to total assets | 80.5171% | 4,318 |
| Equity capital to assets | 7.7038% | 5,364 |
| Core capital (leverage) ratio | 9.3332% | 4,278 |
| Tier 1 risk-based capital ratio | 14.0761% | 3,340 |
| Total risk-based capital ratio | 15.3293% | 3,254 |
| Memoranda: | ||
| Average total assets | $62,837,000 | 4,873 |
| Average earning assets | $58,040,500 | 4,873 |
| Average equity | $5,043,500 | 5,212 |
| Average total loans | $30,769,500 | 4,956 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6027% | 4,572 |
| Cost of funding earning assets | 0.4517% | 2,761 |
| Net interest margin | 3.1510% | 4,572 |
| Noninterest income to average assets | 0.2285% | 4,775 |
| Noninterest expense to average assets | 3.4669% | 1,091 |
| Loan and lease loss provision to assets | 0.3199% | 529 |
| Net operating income to assets | -0.6258% | 5,553 |
| Return on assets (ROA) | -0.5722% | 5,546 |
| Pretax return on assets | -0.5976% | 5,564 |
| Return on Equity (ROE) | -6.0899% | 5,557 |
| Retained earnings to average equity (ytd only) | -6.0899% | 5,468 |
| Net charge-offs to loans | 0.0531% | 2,744 |
| Credit loss provision to net charge-offs | 1,453.8462% | 273 |
| Earnings coverage of net charge-offs (x) | -15.1538% | 4,097 |
| Efficiency ratio | 110.6429% | 102 |
| Assets per employee ($millions) | 3.0950% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0343% | 504 |
| Loan loss allowance to noncurrent loans | 221.7712% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.8643% | 1,806 |
| Noncurrent loans to loans | 0.9173% | 1,945 |
| Net loans and leases to total assets | 46.7561% | 4,846 |
| Net loans and leases to deposits | 61.5172% | 4,484 |
| Net loans and leases to core deposits | 64.0891% | 4,527 |
| Total domestic deposits to total assets | 76.0048% | 4,978 |
| Equity capital to assets | 8.4103% | 5,183 |
| Core capital (leverage) ratio | 9.2876% | 4,308 |
| Tier 1 risk-based capital ratio | 14.7778% | 2,944 |
| Total risk-based capital ratio | 16.0318% | 2,879 |
| Memoranda: | ||
| Average total assets | $59,073,000 | 4,978 |
| Average earning assets | $54,459,600 | 4,986 |
| Average equity | $5,550,200 | 5,173 |
| Average total loans | $24,476,600 | 5,179 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5446% | 4,705 |
| Cost of funding earning assets | 0.4363% | 2,845 |
| Net interest margin | 3.1084% | 4,689 |
| Noninterest income to average assets | 0.4272% | 3,501 |
| Noninterest expense to average assets | 3.3306% | 1,279 |
| Loan and lease loss provision to assets | 0.0297% | 3,529 |
| Net operating income to assets | -0.0663% | 5,540 |
| Return on assets (ROA) | 0.0091% | 5,512 |
| Pretax return on assets | 0.0069% | 5,505 |
| Return on Equity (ROE) | 0.0946% | 5,510 |
| Retained earnings to average equity (ytd only) | 0.0946% | 5,185 |
| Net charge-offs to loans | 0.0230% | 2,998 |
| Credit loss provision to net charge-offs | 325.0000% | 926 |
| Earnings coverage of net charge-offs (x) | -4.2533% | 3,753 |
| Efficiency ratio | 101.1797% | 161 |
| Assets per employee ($millions) | 3.0148% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 1,371 |
| Loan loss allowance to noncurrent loans | 834.6154% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 2,331 |
| Noncurrent loans to loans | 0.1857% | 4,328 |
| Net loans and leases to total assets | 45.7261% | 4,953 |
| Net loans and leases to deposits | 63.9906% | 4,377 |
| Net loans and leases to core deposits | 66.5163% | 4,450 |
| Total domestic deposits to total assets | 71.4575% | 5,416 |
| Equity capital to assets | 9.5645% | 4,385 |
| Core capital (leverage) ratio | 10.1775% | 3,347 |
| Tier 1 risk-based capital ratio | 15.9550% | 2,530 |
| Total risk-based capital ratio | 17.1139% | 2,494 |
| Memoranda: | ||
| Average total assets | $58,366,250 | 5,056 |
| Average earning assets | $53,789,250 | 5,053 |
| Average equity | $5,636,250 | 5,211 |
| Average total loans | $23,210,000 | 5,271 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4852% | 4,805 |
| Cost of funding earning assets | 0.4230% | 2,868 |
| Net interest margin | 3.0622% | 4,764 |
| Noninterest income to average assets | 0.4054% | 3,657 |
| Noninterest expense to average assets | 3.1461% | 1,714 |
| Loan and lease loss provision to assets | 0.0450% | 3,089 |
| Net operating income to assets | 0.0470% | 5,529 |
| Return on assets (ROA) | 0.1421% | 5,458 |
| Pretax return on assets | 0.1455% | 5,473 |
| Return on Equity (ROE) | 1.4662% | 5,415 |
| Retained earnings to average equity (ytd only) | 1.4662% | 4,657 |
| Net charge-offs to loans | 0.0555% | 2,141 |
| Credit loss provision to net charge-offs | 216.6667% | 1,195 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,920 |
| Efficiency ratio | 97.1123% | 230 |
| Assets per employee ($millions) | 2.9259% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 913 |
| Loan loss allowance to noncurrent loans | 508.2353% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8305% | 2,136 |
| Noncurrent loans to loans | 0.3515% | 3,773 |
| Net loans and leases to total assets | 40.5875% | 5,205 |
| Net loans and leases to deposits | 56.3608% | 4,843 |
| Net loans and leases to core deposits | 59.0043% | 4,875 |
| Total domestic deposits to total assets | 72.0137% | 5,454 |
| Equity capital to assets | 9.9645% | 3,954 |
| Core capital (leverage) ratio | 9.9644% | 3,579 |
| Tier 1 risk-based capital ratio | 17.8657% | 1,898 |
| Total risk-based capital ratio | 19.1168% | 1,850 |
| Memoranda: | ||
| Average total assets | $57,723,000 | 5,108 |
| Average earning assets | $53,425,670 | 5,096 |
| Average equity | $5,592,670 | 5,254 |
| Average total loans | $21,611,670 | 5,362 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4110% | 4,907 |
| Cost of funding earning assets | 0.3748% | 3,253 |
| Net interest margin | 3.0361% | 4,813 |
| Noninterest income to average assets | 0.4047% | 3,625 |
| Noninterest expense to average assets | 3.0213% | 2,110 |
| Loan and lease loss provision to assets | 0.0907% | 2,031 |
| Net operating income to assets | 0.1186% | 5,492 |
| Return on assets (ROA) | 0.2163% | 5,384 |
| Pretax return on assets | 0.2163% | 5,417 |
| Return on Equity (ROE) | 2.2655% | 5,289 |
| Retained earnings to average equity (ytd only) | 2.2655% | 4,233 |
| Net charge-offs to loans | 0.1574% | 1,028 |
| Credit loss provision to net charge-offs | 162.5000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 2,451 |
| Efficiency ratio | 93.5205% | 401 |
| Assets per employee ($millions) | 2.9123% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0955% | 562 |
| Loan loss allowance to noncurrent loans | 467.3913% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.8464% | 2,183 |
| Noncurrent loans to loans | 0.4483% | 3,485 |
| Net loans and leases to total assets | 34.4922% | 5,455 |
| Net loans and leases to deposits | 48.3735% | 5,202 |
| Net loans and leases to core deposits | 51.0689% | 5,184 |
| Total domestic deposits to total assets | 71.3040% | 5,580 |
| Equity capital to assets | 9.5579% | 4,223 |
| Core capital (leverage) ratio | 10.2785% | 3,144 |
| Tier 1 risk-based capital ratio | 19.6259% | 1,475 |
| Total risk-based capital ratio | 20.8783% | 1,441 |
| Memoranda: | ||
| Average total assets | $57,325,500 | 5,167 |
| Average earning assets | $53,357,500 | 5,153 |
| Average equity | $5,473,500 | 5,327 |
| Average total loans | $20,326,000 | 5,453 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2128% | 5,281 |
| Cost of funding earning assets | 0.2952% | 4,120 |
| Net interest margin | 2.9176% | 5,103 |
| Noninterest income to average assets | 0.4269% | 3,699 |
| Noninterest expense to average assets | 2.8398% | 2,876 |
| Loan and lease loss provision to assets | 0.1506% | 1,660 |
| Net operating income to assets | 0.1614% | 5,473 |
| Return on assets (ROA) | 0.6750% | 4,005 |
| Pretax return on assets | 0.7033% | 4,474 |
| Return on Equity (ROE) | 6.3449% | 3,815 |
| Retained earnings to average equity (ytd only) | 1.6820% | 4,574 |
| Net charge-offs to loans | -0.0051% | 4,810 |
| Credit loss provision to net charge-offs | -8,500.0000% | 5,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9047% | 560 |
| Assets per employee ($millions) | 3.3180% | 5,021 |
| Cash dividends to net income (ytd only)* | 73.4908% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1111% | 539 |
| Loan loss allowance to noncurrent loans | 758.9286% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.7836% | 2,392 |
| Noncurrent loans to loans | 0.2782% | 4,160 |
| Net loans and leases to total assets | 34.9378% | 5,518 |
| Net loans and leases to deposits | 46.0961% | 5,363 |
| Net loans and leases to core deposits | 48.5873% | 5,350 |
| Total domestic deposits to total assets | 75.7934% | 5,262 |
| Equity capital to assets | 9.5380% | 4,229 |
| Core capital (leverage) ratio | 11.6302% | 1,841 |
| Tier 1 risk-based capital ratio | 20.3642% | 1,312 |
| Total risk-based capital ratio | 21.6156% | 1,287 |
| Memoranda: | ||
| Average total assets | $56,448,000 | 5,224 |
| Average earning assets | $52,851,400 | 5,190 |
| Average equity | $6,004,800 | 5,282 |
| Average total loans | $19,572,600 | 5,529 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2540% | 5,270 |
| Cost of funding earning assets | 0.3128% | 3,945 |
| Net interest margin | 2.9412% | 5,111 |
| Noninterest income to average assets | 0.4322% | 3,677 |
| Noninterest expense to average assets | 2.7866% | 3,053 |
| Loan and lease loss provision to assets | 0.1535% | 1,520 |
| Net operating income to assets | 0.2360% | 5,407 |
| Return on assets (ROA) | 0.8549% | 3,256 |
| Pretax return on assets | 0.8903% | 4,014 |
| Return on Equity (ROE) | 7.8340% | 3,092 |
| Retained earnings to average equity (ytd only) | 7.8340% | 1,239 |
| Net charge-offs to loans | 0.0068% | 3,677 |
| Credit loss provision to net charge-offs | 6,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 169.4211% | 428 |
| Efficiency ratio | 87.4722% | 708 |
| Assets per employee ($millions) | 2.9031% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1008% | 605 |
| Loan loss allowance to noncurrent loans | 982.9268% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.8895% | 2,334 |
| Noncurrent loans to loans | 0.2137% | 4,505 |
| Net loans and leases to total assets | 38.0532% | 5,463 |
| Net loans and leases to deposits | 45.4095% | 5,475 |
| Net loans and leases to core deposits | 47.9473% | 5,457 |
| Total domestic deposits to total assets | 83.8000% | 3,273 |
| Equity capital to assets | 12.8931% | 1,549 |
| Core capital (leverage) ratio | 12.2767% | 1,491 |
| Tier 1 risk-based capital ratio | 23.0672% | 999 |
| Total risk-based capital ratio | 24.3218% | 981 |
| Memoranda: | ||
| Average total assets | $56,458,500 | 5,269 |
| Average earning assets | $52,856,250 | 5,235 |
| Average equity | $6,161,000 | 5,306 |
| Average total loans | $19,432,750 | 5,590 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2000% | 5,432 |
| Cost of funding earning assets | 0.3363% | 3,737 |
| Net interest margin | 2.8637% | 5,320 |
| Noninterest income to average assets | 0.4182% | 3,757 |
| Noninterest expense to average assets | 2.7096% | 3,362 |
| Loan and lease loss provision to assets | 0.1530% | 1,494 |
| Net operating income to assets | 0.2376% | 5,452 |
| Return on assets (ROA) | 0.9621% | 2,713 |
| Pretax return on assets | 1.0029% | 3,573 |
| Return on Equity (ROE) | 9.2883% | 2,371 |
| Retained earnings to average equity (ytd only) | 9.2883% | 775 |
| Net charge-offs to loans | -0.1025% | 5,632 |
| Credit loss provision to net charge-offs | -450.0000% | 4,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1038% | 782 |
| Assets per employee ($millions) | 3.1213% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9753% | 774 |
| Loan loss allowance to noncurrent loans | 916.2791% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.8311% | 2,514 |
| Noncurrent loans to loans | 0.2156% | 4,578 |
| Net loans and leases to total assets | 36.8475% | 5,566 |
| Net loans and leases to deposits | 47.4540% | 5,441 |
| Net loans and leases to core deposits | 50.1320% | 5,427 |
| Total domestic deposits to total assets | 77.6488% | 5,061 |
| Equity capital to assets | 11.9144% | 2,183 |
| Core capital (leverage) ratio | 10.7548% | 2,693 |
| Tier 1 risk-based capital ratio | 21.7818% | 1,160 |
| Total risk-based capital ratio | 23.0347% | 1,145 |
| Memoranda: | ||
| Average total assets | $58,827,330 | 5,268 |
| Average earning assets | $55,312,670 | 5,239 |
| Average equity | $6,093,670 | 5,367 |
| Average total loans | $19,516,000 | 5,649 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0911% | 5,614 |
| Cost of funding earning assets | 0.3373% | 3,755 |
| Net interest margin | 2.7538% | 5,539 |
| Noninterest income to average assets | 0.4148% | 3,718 |
| Noninterest expense to average assets | 2.7548% | 3,225 |
| Loan and lease loss provision to assets | 0.2917% | 548 |
| Net operating income to assets | -0.0368% | 5,808 |
| Return on assets (ROA) | 0.4797% | 4,807 |
| Pretax return on assets | 0.4991% | 5,092 |
| Return on Equity (ROE) | 4.9502% | 4,507 |
| Retained earnings to average equity (ytd only) | 4.9502% | 2,976 |
| Net charge-offs to loans | -0.1243% | 5,713 |
| Credit loss provision to net charge-offs | -750.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5948% | 575 |
| Assets per employee ($millions) | 3.5826% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9854% | 839 |
| Loan loss allowance to noncurrent loans | 866.6667% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.7274% | 2,896 |
| Noncurrent loans to loans | 0.2291% | 4,610 |
| Net loans and leases to total assets | 31.6120% | 5,790 |
| Net loans and leases to deposits | 46.1692% | 5,496 |
| Net loans and leases to core deposits | 49.0672% | 5,477 |
| Total domestic deposits to total assets | 68.4701% | 5,912 |
| Equity capital to assets | 9.9977% | 4,086 |
| Core capital (leverage) ratio | 9.8744% | 3,695 |
| Tier 1 risk-based capital ratio | 19.4720% | 1,618 |
| Total risk-based capital ratio | 20.7232% | 1,585 |
| Memoranda: | ||
| Average total assets | $61,710,000 | 5,250 |
| Average earning assets | $58,102,500 | 5,214 |
| Average equity | $5,979,500 | 5,427 |
| Average total loans | $19,301,000 | 5,702 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9813% | 5,743 |
| Cost of funding earning assets | 0.3080% | 4,166 |
| Net interest margin | 2.6733% | 5,680 |
| Noninterest income to average assets | 0.4030% | 4,012 |
| Noninterest expense to average assets | 2.3877% | 4,544 |
| Loan and lease loss provision to assets | 0.0482% | 3,368 |
| Net operating income to assets | 0.5098% | 4,657 |
| Return on assets (ROA) | 0.6455% | 4,149 |
| Pretax return on assets | 0.6728% | 4,606 |
| Return on Equity (ROE) | 6.7677% | 3,638 |
| Retained earnings to average equity (ytd only) | 2.0539% | 4,560 |
| Net charge-offs to loans | 0.0527% | 3,146 |
| Credit loss provision to net charge-offs | 333.3333% | 897 |
| Earnings coverage of net charge-offs (x) | 40.1111% | 1,179 |
| Efficiency ratio | 80.4654% | 1,611 |
| Assets per employee ($millions) | 3.6774% | 4,511 |
| Cash dividends to net income (ytd only)* | 69.6517% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7881% | 1,155 |
| Loan loss allowance to noncurrent loans | 706.2500% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 2,966 |
| Noncurrent loans to loans | 0.2532% | 4,528 |
| Net loans and leases to total assets | 29.7844% | 5,896 |
| Net loans and leases to deposits | 42.4610% | 5,696 |
| Net loans and leases to core deposits | 44.9867% | 5,683 |
| Total domestic deposits to total assets | 70.1452% | 5,890 |
| Equity capital to assets | 9.3896% | 4,680 |
| Core capital (leverage) ratio | 9.8740% | 3,682 |
| Tier 1 risk-based capital ratio | 19.4223% | 1,605 |
| Total risk-based capital ratio | 20.5440% | 1,593 |
| Memoranda: | ||
| Average total assets | $62,277,400 | 5,269 |
| Average earning assets | $59,739,600 | 5,197 |
| Average equity | $5,940,000 | 5,450 |
| Average total loans | $17,090,600 | 5,827 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9581% | 5,845 |
| Cost of funding earning assets | 0.3138% | 4,178 |
| Net interest margin | 2.6442% | 5,792 |
| Noninterest income to average assets | 0.4093% | 4,013 |
| Noninterest expense to average assets | 2.3894% | 4,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5428% | 4,619 |
| Return on assets (ROA) | 0.7115% | 3,955 |
| Pretax return on assets | 0.7415% | 4,528 |
| Return on Equity (ROE) | 7.4303% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.4303% | 1,486 |
| Net charge-offs to loans | -0.0481% | 5,535 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8557% | 1,539 |
| Assets per employee ($millions) | 3.3797% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8538% | 1,167 |
| Loan loss allowance to noncurrent loans | 540.0000% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 2,952 |
| Noncurrent loans to loans | 0.3433% | 4,385 |
| Net loans and leases to total assets | 29.8564% | 5,978 |
| Net loans and leases to deposits | 39.8958% | 5,869 |
| Net loans and leases to core deposits | 42.5975% | 5,837 |
| Total domestic deposits to total assets | 74.8360% | 5,634 |
| Equity capital to assets | 10.7023% | 3,357 |
| Core capital (leverage) ratio | 10.1092% | 3,489 |
| Tier 1 risk-based capital ratio | 22.8214% | 1,080 |
| Total risk-based capital ratio | 24.0374% | 1,066 |
| Memoranda: | ||
| Average total assets | $62,217,750 | 5,334 |
| Average earning assets | $59,902,750 | 5,252 |
| Average equity | $5,957,500 | 5,511 |
| Average total loans | $16,623,500 | 5,919 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8779% | 5,965 |
| Cost of funding earning assets | 0.3183% | 4,182 |
| Net interest margin | 2.5596% | 5,916 |
| Noninterest income to average assets | 0.4075% | 4,030 |
| Noninterest expense to average assets | 2.3948% | 4,564 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4630% | 4,929 |
| Return on assets (ROA) | 0.6677% | 4,147 |
| Pretax return on assets | 0.6959% | 4,667 |
| Return on Equity (ROE) | 7.2281% | 3,469 |
| Retained earnings to average equity (ytd only) | 7.2281% | 1,605 |
| Net charge-offs to loans | -0.0367% | 5,416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2244% | 1,343 |
| Assets per employee ($millions) | 3.7726% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8174% | 1,336 |
| Loan loss allowance to noncurrent loans | 382.1429% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.7718% | 3,076 |
| Noncurrent loans to loans | 0.4756% | 4,048 |
| Net loans and leases to total assets | 27.0403% | 6,115 |
| Net loans and leases to deposits | 40.4356% | 5,888 |
| Net loans and leases to core deposits | 43.2102% | 5,856 |
| Total domestic deposits to total assets | 66.8725% | 6,148 |
| Equity capital to assets | 9.0498% | 5,189 |
| Core capital (leverage) ratio | 9.1920% | 4,709 |
| Tier 1 risk-based capital ratio | 21.0166% | 1,360 |
| Total risk-based capital ratio | 22.1482% | 1,353 |
| Memoranda: | ||
| Average total assets | $63,805,330 | 5,354 |
| Average earning assets | $61,572,000 | 5,264 |
| Average equity | $5,893,670 | 5,573 |
| Average total loans | $16,338,670 | 5,991 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7876% | 6,078 |
| Cost of funding earning assets | 0.3061% | 4,372 |
| Net interest margin | 2.4815% | 6,039 |
| Noninterest income to average assets | 0.3960% | 4,038 |
| Noninterest expense to average assets | 2.3821% | 4,644 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3936% | 5,092 |
| Return on assets (ROA) | 0.5217% | 4,692 |
| Pretax return on assets | 0.5405% | 5,070 |
| Return on Equity (ROE) | 5.5906% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.5906% | 2,726 |
| Net charge-offs to loans | 0.3062% | 775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.4167% | 2,391 |
| Efficiency ratio | 85.3604% | 1,235 |
| Assets per employee ($millions) | 3.8296% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9627% | 1,154 |
| Loan loss allowance to noncurrent loans | 485.7143% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 3,420 |
| Noncurrent loans to loans | 0.4041% | 4,381 |
| Net loans and leases to total assets | 23.4782% | 6,223 |
| Net loans and leases to deposits | 35.2913% | 6,080 |
| Net loans and leases to core deposits | 37.6849% | 6,049 |
| Total domestic deposits to total assets | 66.5269% | 6,234 |
| Equity capital to assets | 9.3237% | 4,929 |
| Core capital (leverage) ratio | 9.2940% | 4,579 |
| Tier 1 risk-based capital ratio | 22.2171% | 1,206 |
| Total risk-based capital ratio | 23.3829% | 1,203 |
| Memoranda: | ||
| Average total assets | $63,641,000 | 5,408 |
| Average earning assets | $61,414,000 | 5,313 |
| Average equity | $5,938,500 | 5,613 |
| Average total loans | $15,676,500 | 6,066 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0408% | 6,016 |
| Cost of funding earning assets | 0.3430% | 4,327 |
| Net interest margin | 2.6978% | 5,942 |
| Noninterest income to average assets | 0.3949% | 4,224 |
| Noninterest expense to average assets | 2.5996% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3854% | 5,270 |
| Return on assets (ROA) | 0.6920% | 4,050 |
| Pretax return on assets | 0.7211% | 4,552 |
| Return on Equity (ROE) | 7.0167% | 3,622 |
| Retained earnings to average equity (ytd only) | 2.8380% | 4,219 |
| Net charge-offs to loans | 0.0544% | 3,747 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,481 |
| Efficiency ratio | 86.6133% | 1,108 |
| Assets per employee ($millions) | 3.6576% | 4,612 |
| Cash dividends to net income (ytd only)* | 59.5533% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0175% | 1,078 |
| Loan loss allowance to noncurrent loans | 407.6923% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 3,342 |
| Noncurrent loans to loans | 0.4949% | 4,174 |
| Net loans and leases to total assets | 24.8380% | 6,300 |
| Net loans and leases to deposits | 35.0212% | 6,195 |
| Net loans and leases to core deposits | 37.3513% | 6,169 |
| Total domestic deposits to total assets | 70.9227% | 6,151 |
| Equity capital to assets | 9.3392% | 4,921 |
| Core capital (leverage) ratio | 9.6014% | 4,097 |
| Tier 1 risk-based capital ratio | 19.7114% | 1,659 |
| Total risk-based capital ratio | 20.8015% | 1,669 |
| Memoranda: | ||
| Average total assets | $58,240,800 | 5,593 |
| Average earning assets | $56,268,800 | 5,512 |
| Average equity | $5,743,400 | 5,681 |
| Average total loans | $16,532,800 | 6,104 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0932% | 6,039 |
| Cost of funding earning assets | 0.3541% | 4,301 |
| Net interest margin | 2.7390% | 5,958 |
| Noninterest income to average assets | 0.4075% | 4,186 |
| Noninterest expense to average assets | 2.4428% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5857% | 4,505 |
| Return on assets (ROA) | 0.9501% | 2,769 |
| Pretax return on assets | 0.9920% | 3,624 |
| Return on Equity (ROE) | 9.4979% | 2,449 |
| Retained earnings to average equity (ytd only) | 9.4979% | 838 |
| Net charge-offs to loans | 0.0877% | 2,956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 23.9032% | 1,563 |
| Efficiency ratio | 79.9543% | 1,927 |
| Assets per employee ($millions) | 3.3691% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0120% | 1,237 |
| Loan loss allowance to noncurrent loans | 464.7059% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 3,444 |
| Noncurrent loans to loans | 0.4330% | 4,603 |
| Net loans and leases to total assets | 26.8708% | 6,339 |
| Net loans and leases to deposits | 36.4606% | 6,231 |
| Net loans and leases to core deposits | 38.4779% | 6,223 |
| Total domestic deposits to total assets | 73.6984% | 6,041 |
| Equity capital to assets | 10.4323% | 3,644 |
| Core capital (leverage) ratio | 10.7457% | 2,765 |
| Tier 1 risk-based capital ratio | 22.8817% | 1,133 |
| Total risk-based capital ratio | 24.0878% | 1,118 |
| Memoranda: | ||
| Average total assets | $57,256,250 | 5,683 |
| Average earning assets | $55,346,250 | 5,603 |
| Average equity | $5,727,500 | 5,735 |
| Average total loans | $16,725,500 | 6,160 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1151% | 6,046 |
| Cost of funding earning assets | 0.3722% | 4,182 |
| Net interest margin | 2.7429% | 6,000 |
| Noninterest income to average assets | 0.3983% | 4,257 |
| Noninterest expense to average assets | 2.4699% | 4,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5538% | 4,580 |
| Return on assets (ROA) | 0.9327% | 2,743 |
| Pretax return on assets | 0.9747% | 3,592 |
| Return on Equity (ROE) | 9.4597% | 2,389 |
| Retained earnings to average equity (ytd only) | 9.4597% | 845 |
| Net charge-offs to loans | -0.1172% | 6,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9851% | 1,880 |
| Assets per employee ($millions) | 3.2928% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 1,411 |
| Loan loss allowance to noncurrent loans | 72.0085% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 0.8360% | 3,470 |
| Noncurrent loans to loans | 2.7441% | 1,099 |
| Net loans and leases to total assets | 29.8653% | 6,313 |
| Net loans and leases to deposits | 38.2922% | 6,215 |
| Net loans and leases to core deposits | 40.3359% | 6,213 |
| Total domestic deposits to total assets | 77.9931% | 5,632 |
| Equity capital to assets | 10.5934% | 3,324 |
| Core capital (leverage) ratio | 10.2664% | 3,248 |
| Tier 1 risk-based capital ratio | 23.1713% | 1,087 |
| Total risk-based capital ratio | 24.4221% | 1,072 |
| Memoranda: | ||
| Average total assets | $57,250,330 | 5,732 |
| Average earning assets | $55,342,670 | 5,645 |
| Average equity | $5,645,000 | 5,795 |
| Average total loans | $17,065,330 | 6,197 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0917% | 6,137 |
| Cost of funding earning assets | 0.3784% | 4,216 |
| Net interest margin | 2.7132% | 6,095 |
| Noninterest income to average assets | 0.4146% | 4,070 |
| Noninterest expense to average assets | 2.4116% | 4,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6012% | 4,196 |
| Return on assets (ROA) | 0.6012% | 4,273 |
| Pretax return on assets | 0.6288% | 4,730 |
| Return on Equity (ROE) | 6.3244% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.3244% | 2,367 |
| Net charge-offs to loans | -0.0937% | 6,093 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3182% | 2,297 |
| Assets per employee ($millions) | 3.4789% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9862% | 1,542 |
| Loan loss allowance to noncurrent loans | 68.8150% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 0.8133% | 3,703 |
| Noncurrent loans to loans | 2.8863% | 1,130 |
| Net loans and leases to total assets | 27.6187% | 6,427 |
| Net loans and leases to deposits | 38.3950% | 6,231 |
| Net loans and leases to core deposits | 40.2236% | 6,224 |
| Total domestic deposits to total assets | 71.9332% | 6,367 |
| Equity capital to assets | 9.5196% | 4,476 |
| Core capital (leverage) ratio | 9.7980% | 3,867 |
| Tier 1 risk-based capital ratio | 22.2545% | 1,253 |
| Total risk-based capital ratio | 23.5056% | 1,231 |
| Memoranda: | ||
| Average total assets | $57,886,500 | 5,771 |
| Average earning assets | $56,021,500 | 5,664 |
| Average equity | $5,502,500 | 5,864 |
| Average total loans | $17,070,500 | 6,257 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1875% | 6,144 |
| Cost of funding earning assets | 0.4104% | 4,536 |
| Net interest margin | 2.7771% | 6,018 |
| Noninterest income to average assets | 0.3803% | 4,589 |
| Noninterest expense to average assets | 2.7419% | 3,940 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3122% | 5,479 |
| Return on assets (ROA) | 0.3122% | 5,574 |
| Pretax return on assets | 0.3274% | 5,654 |
| Return on Equity (ROE) | 2.8990% | 5,544 |
| Retained earnings to average equity (ytd only) | 1.8448% | 4,925 |
| Net charge-offs to loans | -0.0168% | 6,108 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3342% | 1,080 |
| Assets per employee ($millions) | 3.3313% | 5,221 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8711% | 1,853 |
| Loan loss allowance to noncurrent loans | 67.7019% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8529% | 3,753 |
| Noncurrent loans to loans | 2.7638% | 1,288 |
| Net loans and leases to total assets | 30.2815% | 6,452 |
| Net loans and leases to deposits | 39.0478% | 6,335 |
| Net loans and leases to core deposits | 40.8455% | 6,337 |
| Total domestic deposits to total assets | 77.5498% | 5,892 |
| Equity capital to assets | 9.4911% | 4,440 |
| Core capital (leverage) ratio | 9.9595% | 3,630 |
| Tier 1 risk-based capital ratio | 21.8798% | 1,280 |
| Total risk-based capital ratio | 23.1290% | 1,253 |
| Memoranda: | ||
| Average total assets | $52,846,800 | 5,942 |
| Average earning assets | $51,169,200 | 5,859 |
| Average equity | $5,691,600 | 5,886 |
| Average total loans | $17,897,600 | 6,288 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1871% | 6,216 |
| Cost of funding earning assets | 0.4140% | 4,685 |
| Net interest margin | 2.7732% | 6,056 |
| Noninterest income to average assets | 0.3622% | 4,799 |
| Noninterest expense to average assets | 2.7616% | 3,786 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2697% | 5,712 |
| Return on assets (ROA) | 0.2697% | 5,820 |
| Pretax return on assets | 0.2852% | 5,907 |
| Return on Equity (ROE) | 2.4260% | 5,815 |
| Retained earnings to average equity (ytd only) | 2.4260% | 4,875 |
| Net charge-offs to loans | 0.0222% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,061 |
| Efficiency ratio | 90.6408% | 943 |
| Assets per employee ($millions) | 3.2180% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8965% | 2,015 |
| Loan loss allowance to noncurrent loans | 64.4578% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 0.9103% | 3,858 |
| Noncurrent loans to loans | 2.9422% | 1,386 |
| Net loans and leases to total assets | 30.3532% | 6,523 |
| Net loans and leases to deposits | 39.3241% | 6,408 |
| Net loans and leases to core deposits | 41.2239% | 6,411 |
| Total domestic deposits to total assets | 77.1871% | 6,025 |
| Equity capital to assets | 10.1068% | 3,761 |
| Core capital (leverage) ratio | 10.6122% | 2,875 |
| Tier 1 risk-based capital ratio | 22.2536% | 1,270 |
| Total risk-based capital ratio | 23.5043% | 1,246 |
| Memoranda: | ||
| Average total assets | $51,900,500 | 6,035 |
| Average earning assets | $50,242,500 | 5,950 |
| Average equity | $5,770,750 | 5,936 |
| Average total loans | $18,003,000 | 6,350 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2726% | 6,129 |
| Cost of funding earning assets | 0.4217% | 4,738 |
| Net interest margin | 2.8508% | 5,896 |
| Noninterest income to average assets | 0.3650% | 4,784 |
| Noninterest expense to average assets | 2.8568% | 3,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2512% | 5,775 |
| Return on assets (ROA) | 0.2512% | 5,901 |
| Pretax return on assets | 0.2668% | 5,960 |
| Return on Equity (ROE) | 2.1875% | 5,891 |
| Retained earnings to average equity (ytd only) | 2.1875% | 4,887 |
| Net charge-offs to loans | 0.0654% | 3,768 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 11.3333% | 2,059 |
| Efficiency ratio | 91.4573% | 937 |
| Assets per employee ($millions) | 3.0112% | 5,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 2,834 |
| Loan loss allowance to noncurrent loans | 349.4505% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 5,967 |
| Noncurrent loans to loans | 0.4820% | 5,061 |
| Net loans and leases to total assets | 36.2564% | 6,282 |
| Net loans and leases to deposits | 42.6932% | 6,295 |
| Net loans and leases to core deposits | 44.6938% | 6,299 |
| Total domestic deposits to total assets | 84.9231% | 3,920 |
| Equity capital to assets | 10.9297% | 2,819 |
| Core capital (leverage) ratio | 11.0315% | 2,326 |
| Tier 1 risk-based capital ratio | 21.1979% | 1,447 |
| Total risk-based capital ratio | 22.4133% | 1,427 |
| Memoranda: | ||
| Average total assets | $50,965,330 | 6,103 |
| Average earning assets | $49,318,670 | 6,015 |
| Average equity | $5,851,330 | 5,961 |
| Average total loans | $18,362,000 | 6,384 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3061% | 6,147 |
| Cost of funding earning assets | 0.4224% | 4,887 |
| Net interest margin | 2.8837% | 5,849 |
| Noninterest income to average assets | 0.3933% | 4,514 |
| Noninterest expense to average assets | 2.9733% | 3,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1966% | 5,906 |
| Return on assets (ROA) | 0.1966% | 6,015 |
| Pretax return on assets | 0.2124% | 6,050 |
| Return on Equity (ROE) | 1.6724% | 6,040 |
| Retained earnings to average equity (ytd only) | 1.6724% | 5,150 |
| Net charge-offs to loans | -0.1326% | 6,555 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3333% | 887 |
| Assets per employee ($millions) | 2.9803% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 2,693 |
| Loan loss allowance to noncurrent loans | 183.3333% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 5,336 |
| Noncurrent loans to loans | 0.9708% | 4,188 |
| Net loans and leases to total assets | 35.9459% | 6,296 |
| Net loans and leases to deposits | 40.8231% | 6,385 |
| Net loans and leases to core deposits | 42.6840% | 6,377 |
| Total domestic deposits to total assets | 88.0529% | 2,279 |
| Equity capital to assets | 11.7833% | 2,190 |
| Core capital (leverage) ratio | 10.8920% | 2,362 |
| Tier 1 risk-based capital ratio | 21.5168% | 1,422 |
| Total risk-based capital ratio | 22.7671% | 1,394 |
| Memoranda: | ||
| Average total assets | $50,852,500 | 6,161 |
| Average earning assets | $49,242,500 | 6,066 |
| Average equity | $5,979,500 | 5,991 |
| Average total loans | $18,104,000 | 6,447 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5531% | 6,293 |
| Cost of funding earning assets | 0.5505% | 4,816 |
| Net interest margin | 3.0026% | 6,047 |
| Noninterest income to average assets | 0.4426% | 4,299 |
| Noninterest expense to average assets | 2.8258% | 3,920 |
| Loan and lease loss provision to assets | 0.1919% | 3,236 |
| Net operating income to assets | 0.3045% | 5,455 |
| Return on assets (ROA) | 0.5150% | 4,888 |
| Pretax return on assets | 0.5385% | 5,167 |
| Return on Equity (ROE) | 4.3634% | 4,990 |
| Retained earnings to average equity (ytd only) | 2.7043% | 4,333 |
| Net charge-offs to loans | 0.9054% | 1,254 |
| Credit loss provision to net charge-offs | 57.3099% | 4,515 |
| Earnings coverage of net charge-offs (x) | 1.5263% | 4,678 |
| Efficiency ratio | 84.6831% | 1,548 |
| Assets per employee ($millions) | 3.1900% | 5,650 |
| Cash dividends to net income (ytd only)* | 38.0228% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8340% | 2,488 |
| Loan loss allowance to noncurrent loans | 122.2642% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5917% | 4,999 |
| Noncurrent loans to loans | 1.5001% | 3,355 |
| Net loans and leases to total assets | 33.9773% | 6,546 |
| Net loans and leases to deposits | 38.5566% | 6,618 |
| Net loans and leases to core deposits | 40.7807% | 6,590 |
| Total domestic deposits to total assets | 88.1230% | 2,155 |
| Equity capital to assets | 11.7339% | 2,237 |
| Core capital (leverage) ratio | 11.2398% | 2,059 |
| Tier 1 risk-based capital ratio | 22.0541% | 1,256 |
| Total risk-based capital ratio | 23.3053% | 1,221 |
| Memoranda: | ||
| Average total assets | $51,064,400 | 6,179 |
| Average earning assets | $49,224,800 | 6,079 |
| Average equity | $6,027,400 | 6,015 |
| Average total loans | $18,887,400 | 6,472 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6623% | 6,294 |
| Cost of funding earning assets | 0.5797% | 4,841 |
| Net interest margin | 3.0826% | 5,978 |
| Noninterest income to average assets | 0.4621% | 4,200 |
| Noninterest expense to average assets | 2.7282% | 4,256 |
| Loan and lease loss provision to assets | 0.2558% | 2,530 |
| Net operating income to assets | 0.4245% | 5,139 |
| Return on assets (ROA) | 0.7023% | 4,146 |
| Pretax return on assets | 0.7414% | 4,702 |
| Return on Equity (ROE) | 5.9410% | 4,357 |
| Retained earnings to average equity (ytd only) | 4.6159% | 3,655 |
| Net charge-offs to loans | 0.6808% | 1,625 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 2.7552% | 3,933 |
| Efficiency ratio | 79.4677% | 2,178 |
| Assets per employee ($millions) | 3.0811% | 5,893 |
| Cash dividends to net income (ytd only)* | 22.3052% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3229% | 1,472 |
| Loan loss allowance to noncurrent loans | 85.9307% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.0143% | 4,255 |
| Noncurrent loans to loans | 2.7032% | 2,098 |
| Net loans and leases to total assets | 33.8641% | 6,662 |
| Net loans and leases to deposits | 38.7755% | 6,726 |
| Net loans and leases to core deposits | 41.3904% | 6,689 |
| Total domestic deposits to total assets | 87.3339% | 2,476 |
| Equity capital to assets | 12.4592% | 1,918 |
| Core capital (leverage) ratio | 11.1060% | 2,293 |
| Tier 1 risk-based capital ratio | 23.1365% | 1,154 |
| Total risk-based capital ratio | 24.3921% | 1,130 |
| Memoranda: | ||
| Average total assets | $51,070,500 | 6,249 |
| Average earning assets | $49,221,000 | 6,150 |
| Average equity | $6,037,000 | 6,082 |
| Average total loans | $19,192,750 | 6,541 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 6,343 |
| Cost of funding earning assets | 0.6009% | 4,895 |
| Net interest margin | 3.0965% | 6,021 |
| Noninterest income to average assets | 0.4607% | 4,198 |
| Noninterest expense to average assets | 2.6209% | 4,707 |
| Loan and lease loss provision to assets | 0.0890% | 4,455 |
| Net operating income to assets | 0.7122% | 3,801 |
| Return on assets (ROA) | 0.8943% | 3,202 |
| Pretax return on assets | 0.9330% | 3,955 |
| Return on Equity (ROE) | 7.6974% | 3,398 |
| Retained earnings to average equity (ytd only) | 6.3645% | 2,462 |
| Net charge-offs to loans | 0.7138% | 1,553 |
| Credit loss provision to net charge-offs | 32.3944% | 4,398 |
| Earnings coverage of net charge-offs (x) | 3.0282% | 3,535 |
| Efficiency ratio | 75.8969% | 2,758 |
| Assets per employee ($millions) | 3.1991% | 5,646 |
| Cash dividends to net income (ytd only)* | 17.3160% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7683% | 2,958 |
| Loan loss allowance to noncurrent loans | 96.6759% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 4,835 |
| Noncurrent loans to loans | 1.8291% | 3,179 |
| Net loans and leases to total assets | 37.8756% | 6,489 |
| Net loans and leases to deposits | 43.0631% | 6,599 |
| Net loans and leases to core deposits | 45.8289% | 6,582 |
| Total domestic deposits to total assets | 87.9537% | 2,176 |
| Equity capital to assets | 11.8763% | 2,243 |
| Core capital (leverage) ratio | 10.7670% | 2,518 |
| Tier 1 risk-based capital ratio | 20.8357% | 1,514 |
| Total risk-based capital ratio | 22.0874% | 1,482 |
| Memoranda: | ||
| Average total assets | $51,661,670 | 6,269 |
| Average earning assets | $49,928,000 | 6,160 |
| Average equity | $6,002,000 | 6,117 |
| Average total loans | $19,893,330 | 6,569 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7205% | 6,405 |
| Cost of funding earning assets | 0.6307% | 4,883 |
| Net interest margin | 3.0898% | 6,081 |
| Noninterest income to average assets | 0.4778% | 4,083 |
| Noninterest expense to average assets | 2.4201% | 5,404 |
| Loan and lease loss provision to assets | 0.1773% | 3,197 |
| Net operating income to assets | 0.8170% | 3,312 |
| Return on assets (ROA) | 0.8170% | 3,541 |
| Pretax return on assets | 0.8632% | 4,177 |
| Return on Equity (ROE) | 7.1099% | 3,721 |
| Retained earnings to average equity (ytd only) | 7.1099% | 2,375 |
| Net charge-offs to loans | 1.5221% | 654 |
| Credit loss provision to net charge-offs | 30.2632% | 3,619 |
| Earnings coverage of net charge-offs (x) | 1.7763% | 3,452 |
| Efficiency ratio | 69.9332% | 3,827 |
| Assets per employee ($millions) | 3.2414% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 3,214 |
| Loan loss allowance to noncurrent loans | 95.0276% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.7751% | 4,992 |
| Noncurrent loans to loans | 1.8249% | 3,373 |
| Net loans and leases to total assets | 37.5863% | 6,524 |
| Net loans and leases to deposits | 42.6021% | 6,627 |
| Net loans and leases to core deposits | 45.9275% | 6,574 |
| Total domestic deposits to total assets | 88.2264% | 2,174 |
| Equity capital to assets | 11.6174% | 2,336 |
| Core capital (leverage) ratio | 10.7379% | 2,513 |
| Tier 1 risk-based capital ratio | 20.1793% | 1,663 |
| Total risk-based capital ratio | 21.4291% | 1,637 |
| Memoranda: | ||
| Average total assets | $51,899,500 | 6,303 |
| Average earning assets | $50,101,000 | 6,191 |
| Average equity | $5,963,500 | 6,156 |
| Average total loans | $19,972,000 | 6,613 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 6,345 |
| Cost of funding earning assets | 0.8599% | 4,395 |
| Net interest margin | 3.1977% | 6,101 |
| Noninterest income to average assets | 0.4647% | 4,095 |
| Noninterest expense to average assets | 2.9041% | 3,943 |
| Loan and lease loss provision to assets | 0.0209% | 6,310 |
| Net operating income to assets | 0.5952% | 4,023 |
| Return on assets (ROA) | 0.9048% | 2,708 |
| Pretax return on assets | 0.9446% | 3,447 |
| Return on Equity (ROE) | 8.3761% | 2,728 |
| Retained earnings to average equity (ytd only) | 6.2689% | 1,867 |
| Net charge-offs to loans | 0.0685% | 5,626 |
| Credit loss provision to net charge-offs | 78.5714% | 4,518 |
| Earnings coverage of net charge-offs (x) | 24.2143% | 995 |
| Efficiency ratio | 81.8717% | 2,041 |
| Assets per employee ($millions) | 3.2461% | 5,620 |
| Cash dividends to net income (ytd only)* | 25.1572% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9744% | 2,354 |
| Loan loss allowance to noncurrent loans | 134.5763% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 5,347 |
| Noncurrent loans to loans | 1.4672% | 3,959 |
| Net loans and leases to total assets | 37.9498% | 6,649 |
| Net loans and leases to deposits | 42.9029% | 6,767 |
| Net loans and leases to core deposits | 46.5594% | 6,716 |
| Total domestic deposits to total assets | 88.4552% | 1,877 |
| Equity capital to assets | 11.3638% | 2,628 |
| Core capital (leverage) ratio | 10.4033% | 2,840 |
| Tier 1 risk-based capital ratio | 20.0008% | 1,641 |
| Total risk-based capital ratio | 21.2529% | 1,611 |
| Memoranda: | ||
| Average total assets | $52,718,200 | 6,277 |
| Average earning assets | $50,817,200 | 6,163 |
| Average equity | $5,694,800 | 6,234 |
| Average total loans | $20,442,400 | 6,640 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2224% | 6,154 |
| Cost of funding earning assets | 0.9130% | 4,314 |
| Net interest margin | 3.3094% | 5,831 |
| Noninterest income to average assets | 0.4687% | 4,141 |
| Noninterest expense to average assets | 2.5601% | 5,236 |
| Loan and lease loss provision to assets | 0.0277% | 6,090 |
| Net operating income to assets | 1.0226% | 2,240 |
| Return on assets (ROA) | 1.3758% | 1,290 |
| Pretax return on assets | 1.4363% | 1,828 |
| Return on Equity (ROE) | 12.9006% | 1,304 |
| Retained earnings to average equity (ytd only) | 11.9555% | 502 |
| Net charge-offs to loans | 0.1039% | 4,960 |
| Credit loss provision to net charge-offs | 68.7500% | 4,526 |
| Earnings coverage of net charge-offs (x) | 27.1913% | 999 |
| Efficiency ratio | 70.0207% | 3,955 |
| Assets per employee ($millions) | 3.2454% | 5,583 |
| Cash dividends to net income (ytd only)* | 7.3258% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0794% | 2,119 |
| Loan loss allowance to noncurrent loans | 72.6103% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.1343% | 4,516 |
| Noncurrent loans to loans | 2.8638% | 2,436 |
| Net loans and leases to total assets | 35.8221% | 6,875 |
| Net loans and leases to deposits | 40.7202% | 6,953 |
| Net loans and leases to core deposits | 44.2323% | 6,914 |
| Total domestic deposits to total assets | 87.9713% | 2,047 |
| Equity capital to assets | 11.8303% | 2,394 |
| Core capital (leverage) ratio | 10.4697% | 2,901 |
| Tier 1 risk-based capital ratio | 21.2102% | 1,420 |
| Total risk-based capital ratio | 22.4631% | 1,397 |
| Memoranda: | ||
| Average total assets | $52,913,500 | 6,318 |
| Average earning assets | $50,964,750 | 6,202 |
| Average equity | $5,643,000 | 6,294 |
| Average total loans | $20,526,250 | 6,696 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 5,402 |
| Cost of funding earning assets | 0.9670% | 4,195 |
| Net interest margin | 3.5172% | 5,081 |
| Noninterest income to average assets | 0.4620% | 4,170 |
| Noninterest expense to average assets | 2.4154% | 5,797 |
| Loan and lease loss provision to assets | 0.0413% | 5,791 |
| Net operating income to assets | 1.3328% | 1,234 |
| Return on assets (ROA) | 1.4950% | 959 |
| Pretax return on assets | 1.5627% | 1,350 |
| Return on Equity (ROE) | 14.5353% | 883 |
| Retained earnings to average equity (ytd only) | 13.8049% | 329 |
| Net charge-offs to loans | 0.0951% | 4,724 |
| Credit loss provision to net charge-offs | 110.0000% | 2,790 |
| Earnings coverage of net charge-offs (x) | 38.2000% | 767 |
| Efficiency ratio | 62.7317% | 5,448 |
| Assets per employee ($millions) | 3.3199% | 5,393 |
| Cash dividends to net income (ytd only)* | 5.0251% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9698% | 2,450 |
| Loan loss allowance to noncurrent loans | 136.3946% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6401% | 5,634 |
| Noncurrent loans to loans | 1.4442% | 4,253 |
| Net loans and leases to total assets | 37.5692% | 6,884 |
| Net loans and leases to deposits | 42.3829% | 6,976 |
| Net loans and leases to core deposits | 46.3403% | 6,917 |
| Total domestic deposits to total assets | 88.6423% | 1,755 |
| Equity capital to assets | 11.1582% | 2,806 |
| Core capital (leverage) ratio | 10.1226% | 3,111 |
| Tier 1 risk-based capital ratio | 19.0680% | 1,822 |
| Total risk-based capital ratio | 20.3214% | 1,784 |
| Memoranda: | ||
| Average total assets | $53,242,670 | 6,360 |
| Average earning assets | $51,290,670 | 6,245 |
| Average equity | $5,476,330 | 6,376 |
| Average total loans | $21,036,330 | 6,745 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8617% | 3,766 |
| Cost of funding earning assets | 1.0129% | 4,107 |
| Net interest margin | 3.8489% | 3,379 |
| Noninterest income to average assets | 0.4427% | 4,340 |
| Noninterest expense to average assets | 2.4313% | 5,789 |
| Loan and lease loss provision to assets | 0.0825% | 4,967 |
| Net operating income to assets | 1.5597% | 760 |
| Return on assets (ROA) | 1.6809% | 625 |
| Pretax return on assets | 1.7634% | 874 |
| Return on Equity (ROE) | 17.0634% | 558 |
| Retained earnings to average equity (ytd only) | 17.0634% | 276 |
| Net charge-offs to loans | -0.0374% | 6,790 |
| Credit loss provision to net charge-offs | -550.0000% | 5,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5895% | 6,194 |
| Assets per employee ($millions) | 3.2655% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9466% | 2,551 |
| Loan loss allowance to noncurrent loans | 62.0120% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.3627% | 4,249 |
| Noncurrent loans to loans | 3.1391% | 2,397 |
| Net loans and leases to total assets | 39.8159% | 6,792 |
| Net loans and leases to deposits | 44.4651% | 6,936 |
| Net loans and leases to core deposits | 48.6381% | 6,850 |
| Total domestic deposits to total assets | 89.5441% | 1,458 |
| Equity capital to assets | 10.2473% | 3,475 |
| Core capital (leverage) ratio | 9.8307% | 3,356 |
| Tier 1 risk-based capital ratio | 17.9167% | 2,139 |
| Total risk-based capital ratio | 19.1674% | 2,111 |
| Memoranda: | ||
| Average total assets | $53,305,000 | 6,402 |
| Average earning assets | $51,340,000 | 6,295 |
| Average equity | $5,251,000 | 6,470 |
| Average total loans | $21,376,000 | 6,777 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 6,134 |
| Cost of funding earning assets | 1.1881% | 4,634 |
| Net interest margin | 3.4050% | 5,614 |
| Noninterest income to average assets | 0.4482% | 4,524 |
| Noninterest expense to average assets | 2.4383% | 5,980 |
| Loan and lease loss provision to assets | 0.1660% | 5,558 |
| Net operating income to assets | 1.0705% | 1,798 |
| Return on assets (ROA) | 1.4866% | 850 |
| Pretax return on assets | 1.5493% | 1,255 |
| Return on Equity (ROE) | 13.8779% | 909 |
| Retained earnings to average equity (ytd only) | 1.4808% | 4,790 |
| Net charge-offs to loans | 0.1158% | 5,720 |
| Credit loss provision to net charge-offs | 346.1538% | 746 |
| Earnings coverage of net charge-offs (x) | 26.7308% | 813 |
| Efficiency ratio | 65.5429% | 5,056 |
| Assets per employee ($millions) | 3.3976% | 5,175 |
| Cash dividends to net income (ytd only)* | 89.3300% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8574% | 2,671 |
| Loan loss allowance to noncurrent loans | 60.2410% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.3061% | 4,417 |
| Noncurrent loans to loans | 3.0832% | 2,471 |
| Net loans and leases to total assets | 38.8801% | 7,029 |
| Net loans and leases to deposits | 44.3001% | 7,110 |
| Net loans and leases to core deposits | 48.9361% | 7,024 |
| Total domestic deposits to total assets | 87.7654% | 2,385 |
| Equity capital to assets | 9.4699% | 4,443 |
| Core capital (leverage) ratio | 9.1575% | 4,249 |
| Tier 1 risk-based capital ratio | 16.2539% | 2,633 |
| Total risk-based capital ratio | 17.5052% | 2,589 |
| Memoranda: | ||
| Average total assets | $54,218,600 | 6,396 |
| Average earning assets | $52,100,600 | 6,286 |
| Average equity | $5,807,800 | 6,426 |
| Average total loans | $22,446,800 | 6,800 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 6,337 |
| Cost of funding earning assets | 1.2156% | 4,766 |
| Net interest margin | 3.3827% | 5,737 |
| Noninterest income to average assets | 0.4528% | 4,540 |
| Noninterest expense to average assets | 2.1753% | 6,668 |
| Loan and lease loss provision to assets | 0.2215% | 4,843 |
| Net operating income to assets | 1.2437% | 1,482 |
| Return on assets (ROA) | 1.7988% | 552 |
| Pretax return on assets | 1.8800% | 798 |
| Return on Equity (ROE) | 16.3181% | 671 |
| Retained earnings to average equity (ytd only) | 13.4608% | 307 |
| Net charge-offs to loans | 0.1529% | 5,084 |
| Credit loss provision to net charge-offs | 346.1538% | 915 |
| Earnings coverage of net charge-offs (x) | 23.8047% | 1,049 |
| Efficiency ratio | 58.8157% | 6,145 |
| Assets per employee ($millions) | 3.4363% | 5,126 |
| Cash dividends to net income (ytd only)* | 17.5101% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8118% | 2,747 |
| Loan loss allowance to noncurrent loans | 56.2588% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 1.2932% | 4,557 |
| Noncurrent loans to loans | 3.2205% | 2,464 |
| Net loans and leases to total assets | 39.4271% | 7,110 |
| Net loans and leases to deposits | 50.5834% | 6,978 |
| Net loans and leases to core deposits | 57.3102% | 6,777 |
| Total domestic deposits to total assets | 77.9447% | 6,271 |
| Equity capital to assets | 11.4551% | 2,567 |
| Core capital (leverage) ratio | 10.0941% | 3,155 |
| Tier 1 risk-based capital ratio | 18.2433% | 1,950 |
| Total risk-based capital ratio | 19.4952% | 1,908 |
| Memoranda: | ||
| Average total assets | $54,182,750 | 6,467 |
| Average earning assets | $51,988,750 | 6,369 |
| Average equity | $5,972,750 | 6,455 |
| Average total loans | $22,674,500 | 6,874 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 5,741 |
| Cost of funding earning assets | 1.2135% | 5,054 |
| Net interest margin | 3.6017% | 4,803 |
| Noninterest income to average assets | 0.4748% | 4,320 |
| Noninterest expense to average assets | 2.1329% | 6,811 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7148% | 573 |
| Return on assets (ROA) | 2.1848% | 261 |
| Pretax return on assets | 2.2776% | 353 |
| Return on Equity (ROE) | 20.0875% | 313 |
| Retained earnings to average equity (ytd only) | 16.5407% | 172 |
| Net charge-offs to loans | 0.1399% | 4,828 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 30.1250% | 920 |
| Efficiency ratio | 54.3992% | 6,830 |
| Assets per employee ($millions) | 3.4939% | 4,945 |
| Cash dividends to net income (ytd only)* | 17.6570% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 4,570 |
| Loan loss allowance to noncurrent loans | 33.6134% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 1.7387% | 3,836 |
| Noncurrent loans to loans | 4.0809% | 1,850 |
| Net loans and leases to total assets | 41.1570% | 7,090 |
| Net loans and leases to deposits | 53.9866% | 6,864 |
| Net loans and leases to core deposits | 61.8245% | 6,567 |
| Total domestic deposits to total assets | 76.2356% | 6,640 |
| Equity capital to assets | 11.0924% | 2,773 |
| Core capital (leverage) ratio | 9.8669% | 3,320 |
| Tier 1 risk-based capital ratio | 17.8468% | 1,998 |
| Total risk-based capital ratio | 18.9121% | 2,025 |
| Memoranda: | ||
| Average total assets | $53,917,000 | 6,521 |
| Average earning assets | $51,586,330 | 6,420 |
| Average equity | $5,864,330 | 6,506 |
| Average total loans | $22,873,670 | 6,913 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 6,041 |
| Cost of funding earning assets | 1.2116% | 5,335 |
| Net interest margin | 3.5476% | 4,955 |
| Noninterest income to average assets | 0.4837% | 4,169 |
| Noninterest expense to average assets | 2.0936% | 6,957 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6981% | 619 |
| Return on assets (ROA) | 2.5470% | 156 |
| Pretax return on assets | 2.6604% | 197 |
| Return on Equity (ROE) | 23.6657% | 201 |
| Retained earnings to average equity (ytd only) | 23.6657% | 117 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1016% | 6,963 |
| Assets per employee ($millions) | 3.3838% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 4,074 |
| Loan loss allowance to noncurrent loans | 51.7720% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 4,775 |
| Noncurrent loans to loans | 2.8380% | 2,832 |
| Net loans and leases to total assets | 41.6173% | 7,147 |
| Net loans and leases to deposits | 52.1634% | 7,031 |
| Net loans and leases to core deposits | 60.0373% | 6,745 |
| Total domestic deposits to total assets | 79.7824% | 5,863 |
| Equity capital to assets | 10.6998% | 3,041 |
| Core capital (leverage) ratio | 10.6525% | 2,495 |
| Tier 1 risk-based capital ratio | 18.0512% | 1,933 |
| Total risk-based capital ratio | 19.2147% | 1,920 |
| Memoranda: | ||
| Average total assets | $52,924,000 | 6,636 |
| Average earning assets | $50,513,500 | 6,528 |
| Average equity | $5,696,000 | 6,624 |
| Average total loans | $22,646,500 | 7,009 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6373% | 3,406 |
| Cost of funding earning assets | 1.3482% | 6,151 |
| Net interest margin | 4.2891% | 1,748 |
| Noninterest income to average assets | 0.4437% | 4,852 |
| Noninterest expense to average assets | 2.6946% | 5,419 |
| Loan and lease loss provision to assets | 0.1305% | 6,330 |
| Net operating income to assets | 1.6703% | 470 |
| Return on assets (ROA) | 1.8573% | 327 |
| Pretax return on assets | 1.9336% | 471 |
| Return on Equity (ROE) | 16.2332% | 532 |
| Retained earnings to average equity (ytd only) | 3.9486% | 2,439 |
| Net charge-offs to loans | -0.0598% | 7,857 |
| Credit loss provision to net charge-offs | -500.0000% | 7,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0409% | 6,612 |
| Assets per employee ($millions) | 3.2317% | 5,646 |
| Cash dividends to net income (ytd only)* | 75.6757% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 3,740 |
| Loan loss allowance to noncurrent loans | 47.1910% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 1.3770% | 4,360 |
| Noncurrent loans to loans | 3.1750% | 2,410 |
| Net loans and leases to total assets | 42.7196% | 7,208 |
| Net loans and leases to deposits | 52.6907% | 7,124 |
| Net loans and leases to core deposits | 68.4527% | 6,854 |
| Total domestic deposits to total assets | 81.0761% | 5,317 |
| Equity capital to assets | 10.8283% | 2,841 |
| Core capital (leverage) ratio | 9.5653% | 3,645 |
| Tier 1 risk-based capital ratio | 17.6994% | 1,971 |
| Total risk-based capital ratio | 18.9190% | 1,941 |
| Memoranda: | ||
| Average total assets | $49,804,200 | 6,709 |
| Average earning assets | $47,841,800 | 6,604 |
| Average equity | $5,698,200 | 6,714 |
| Average total loans | $21,751,400 | 7,103 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7142% | 3,271 |
| Cost of funding earning assets | 1.3625% | 6,360 |
| Net interest margin | 4.3517% | 1,583 |
| Noninterest income to average assets | 0.4325% | 5,026 |
| Noninterest expense to average assets | 2.3785% | 6,480 |
| Loan and lease loss provision to assets | 0.1757% | 5,604 |
| Net operating income to assets | 1.9836% | 303 |
| Return on assets (ROA) | 2.2353% | 186 |
| Pretax return on assets | 2.3272% | 275 |
| Return on Equity (ROE) | 19.2668% | 351 |
| Retained earnings to average equity (ytd only) | 17.5894% | 93 |
| Net charge-offs to loans | -0.0803% | 7,902 |
| Credit loss provision to net charge-offs | -500.0000% | 7,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4921% | 7,448 |
| Assets per employee ($millions) | 3.2011% | 5,643 |
| Cash dividends to net income (ytd only)* | 8.7064% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 3,148 |
| Loan loss allowance to noncurrent loans | 83.5821% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7849% | 5,551 |
| Noncurrent loans to loans | 1.8704% | 3,810 |
| Net loans and leases to total assets | 41.3077% | 7,399 |
| Net loans and leases to deposits | 54.1501% | 7,205 |
| Net loans and leases to core deposits | 69.5359% | 6,991 |
| Total domestic deposits to total assets | 76.2837% | 6,535 |
| Equity capital to assets | 12.0817% | 2,202 |
| Core capital (leverage) ratio | 11.1849% | 2,271 |
| Tier 1 risk-based capital ratio | 20.4077% | 1,476 |
| Total risk-based capital ratio | 21.6572% | 1,435 |
| Memoranda: | ||
| Average total assets | $49,328,500 | 6,789 |
| Average earning assets | $47,459,250 | 6,668 |
| Average equity | $5,723,000 | 6,767 |
| Average total loans | $21,583,000 | 7,172 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7884% | 3,102 |
| Cost of funding earning assets | 1.4001% | 6,480 |
| Net interest margin | 4.3882% | 1,433 |
| Noninterest income to average assets | 0.4230% | 5,097 |
| Noninterest expense to average assets | 2.3861% | 6,506 |
| Loan and lease loss provision to assets | 0.2669% | 4,450 |
| Net operating income to assets | 1.9133% | 363 |
| Return on assets (ROA) | 2.2958% | 178 |
| Pretax return on assets | 2.3902% | 259 |
| Return on Equity (ROE) | 20.0790% | 337 |
| Retained earnings to average equity (ytd only) | 18.3549% | 101 |
| Net charge-offs to loans | -0.0648% | 7,888 |
| Credit loss provision to net charge-offs | -928.5714% | 7,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3705% | 7,562 |
| Assets per employee ($millions) | 2.9423% | 6,286 |
| Cash dividends to net income (ytd only)* | 8.5868% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 3,368 |
| Loan loss allowance to noncurrent loans | 70.2128% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 0.9984% | 4,972 |
| Noncurrent loans to loans | 2.0896% | 3,398 |
| Net loans and leases to total assets | 47.0761% | 7,118 |
| Net loans and leases to deposits | 57.7211% | 7,047 |
| Net loans and leases to core deposits | 71.7194% | 6,916 |
| Total domestic deposits to total assets | 81.5579% | 4,872 |
| Equity capital to assets | 12.1461% | 2,120 |
| Core capital (leverage) ratio | 10.8914% | 2,488 |
| Tier 1 risk-based capital ratio | 19.6207% | 1,648 |
| Total risk-based capital ratio | 20.8712% | 1,610 |
| Memoranda: | ||
| Average total assets | $48,698,670 | 6,881 |
| Average earning assets | $46,852,670 | 6,754 |
| Average equity | $5,568,000 | 6,875 |
| Average total loans | $21,613,000 | 7,232 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9150% | 2,730 |
| Cost of funding earning assets | 1.4283% | 6,640 |
| Net interest margin | 4.4866% | 1,157 |
| Noninterest income to average assets | 0.4524% | 4,746 |
| Noninterest expense to average assets | 2.2460% | 6,708 |
| Loan and lease loss provision to assets | 0.5252% | 2,369 |
| Net operating income to assets | 1.9015% | 428 |
| Return on assets (ROA) | 2.5692% | 143 |
| Pretax return on assets | 2.6985% | 180 |
| Return on Equity (ROE) | 23.1567% | 258 |
| Retained earnings to average equity (ytd only) | 23.1567% | 110 |
| Net charge-offs to loans | -0.1133% | 7,910 |
| Credit loss provision to net charge-offs | -1,083.3333% | 6,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1186% | 7,780 |
| Assets per employee ($millions) | 3.0783% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 2,844 |
| Loan loss allowance to noncurrent loans | 411.2500% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 7,069 |
| Noncurrent loans to loans | 0.3704% | 6,495 |
| Net loans and leases to total assets | 43.1800% | 7,399 |
| Net loans and leases to deposits | 53.8364% | 7,302 |
| Net loans and leases to core deposits | 66.4303% | 7,221 |
| Total domestic deposits to total assets | 80.2059% | 5,282 |
| Equity capital to assets | 11.3924% | 2,662 |
| Core capital (leverage) ratio | 10.0376% | 3,368 |
| Tier 1 risk-based capital ratio | 19.0077% | 1,808 |
| Total risk-based capital ratio | 20.2586% | 1,769 |
| Memoranda: | ||
| Average total assets | $49,509,500 | 6,888 |
| Average earning assets | $47,608,000 | 6,764 |
| Average equity | $5,493,000 | 6,948 |
| Average total loans | $21,173,500 | 7,300 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4924% | 2,994 |
| Cost of funding earning assets | 1.9267% | 6,653 |
| Net interest margin | 4.5657% | 1,270 |
| Noninterest income to average assets | 0.4163% | 5,332 |
| Noninterest expense to average assets | 2.5676% | 5,759 |
| Loan and lease loss provision to assets | 1.0615% | 1,374 |
| Net operating income to assets | 1.0893% | 2,188 |
| Return on assets (ROA) | 1.2446% | 1,587 |
| Pretax return on assets | 1.3099% | 2,278 |
| Return on Equity (ROE) | 11.0663% | 1,885 |
| Retained earnings to average equity (ytd only) | 0.9884% | 4,637 |
| Net charge-offs to loans | 2.4169% | 413 |
| Credit loss provision to net charge-offs | 99.1853% | 5,406 |
| Earnings coverage of net charge-offs (x) | 2.0631% | 5,046 |
| Efficiency ratio | 53.7654% | 7,295 |
| Assets per employee ($millions) | 3.1104% | 5,748 |
| Cash dividends to net income (ytd only)* | 91.0683% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 4,211 |
| Loan loss allowance to noncurrent loans | 373.9130% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 7,027 |
| Noncurrent loans to loans | 0.3325% | 6,383 |
| Net loans and leases to total assets | 41.1779% | 7,621 |
| Net loans and leases to deposits | 50.2834% | 7,618 |
| Net loans and leases to core deposits | 62.5951% | 7,492 |
| Total domestic deposits to total assets | 81.8916% | 4,241 |
| Equity capital to assets | 10.8003% | 3,205 |
| Core capital (leverage) ratio | 9.4538% | 4,084 |
| Tier 1 risk-based capital ratio | 18.1658% | 2,000 |
| Total risk-based capital ratio | 19.1735% | 2,000 |
| Memoranda: | ||
| Average total assets | $45,880,000 | 6,942 |
| Average earning assets | $43,805,000 | 6,861 |
| Average equity | $5,159,800 | 7,095 |
| Average total loans | $20,315,600 | 7,313 |