Home > First Federal Savings and Loan Association > Performance and Condition Ratios
First Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 3,891 |
| Cost of funding earning assets | 1.1041% | 3,061 |
| Net interest margin | 2.9401% | 3,411 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.5383% | 2,196 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 0.2073% | 4,159 |
| Return on assets (ROA) | 0.2073% | 4,171 |
| Pretax return on assets | 0.3324% | 4,058 |
| Return on Equity (ROE) | 1.0400% | 4,258 |
| Retained earnings to average equity (ytd only) | 1.0388% | 3,828 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 90.8964% | 389 |
| Assets per employee ($millions) | 6.1883% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7936% | 3,978 |
| Loan loss allowance to noncurrent loans | 23.0203% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 2.1937% | 117 |
| Noncurrent loans to loans | 3.4474% | 116 |
| Net loans and leases to total assets | 63.1300% | 2,557 |
| Net loans and leases to deposits | 84.9101% | 1,698 |
| Net loans and leases to core deposits | 89.8717% | 2,058 |
| Total domestic deposits to total assets | 74.3500% | 4,079 |
| Equity capital to assets | 20.7046% | 268 |
| Core capital (leverage) ratio | 20.6495% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $25,567,800 | 4,496 |
| Average earning assets | $23,094,800 | 4,464 |
| Average equity | $5,101,800 | 4,250 |
| Average total loans | $16,035,400 | 4,337 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0058% | 3,836 |
| Cost of funding earning assets | 1.0230% | 2,969 |
| Net interest margin | 2.9828% | 3,370 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.4988% | 2,231 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2173% | 4,211 |
| Return on assets (ROA) | 0.2173% | 4,226 |
| Pretax return on assets | 0.3466% | 4,118 |
| Return on Equity (ROE) | 1.1000% | 4,303 |
| Retained earnings to average equity (ytd only) | 1.0989% | 3,929 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.8182% | 446 |
| Assets per employee ($millions) | 6.2763% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 3,672 |
| Loan loss allowance to noncurrent loans | 24.9141% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 2.3183% | 108 |
| Noncurrent loans to loans | 3.6901% | 93 |
| Net loans and leases to total assets | 62.2500% | 2,628 |
| Net loans and leases to deposits | 83.2508% | 1,808 |
| Net loans and leases to core deposits | 87.9800% | 2,049 |
| Total domestic deposits to total assets | 74.7700% | 4,105 |
| Equity capital to assets | 20.3704% | 277 |
| Core capital (leverage) ratio | 20.0896% | 274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $25,771,500 | 4,520 |
| Average earning assets | $23,199,250 | 4,487 |
| Average equity | $5,096,000 | 4,266 |
| Average total loans | $16,106,500 | 4,359 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0230% | 3,634 |
| Cost of funding earning assets | 0.9521% | 2,762 |
| Net interest margin | 3.0709% | 3,282 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.5314% | 2,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2462% | 4,235 |
| Return on assets (ROA) | 0.2462% | 4,254 |
| Pretax return on assets | 0.3847% | 4,135 |
| Return on Equity (ROE) | 1.2600% | 4,348 |
| Retained earnings to average equity (ytd only) | 1.2574% | 3,863 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.8074% | 462 |
| Assets per employee ($millions) | 6.4238% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 3,813 |
| Loan loss allowance to noncurrent loans | 24.0864% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 2.3429% | 107 |
| Noncurrent loans to loans | 3.6960% | 103 |
| Net loans and leases to total assets | 62.8300% | 2,494 |
| Net loans and leases to deposits | 83.3660% | 1,733 |
| Net loans and leases to core deposits | 85.5938% | 2,101 |
| Total domestic deposits to total assets | 75.3600% | 4,096 |
| Equity capital to assets | 19.8638% | 286 |
| Core capital (leverage) ratio | 19.5264% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $25,993,667 | 4,543 |
| Average earning assets | $23,316,000 | 4,514 |
| Average equity | $5,090,000 | 4,287 |
| Average total loans | $16,218,000 | 4,382 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 3,431 |
| Cost of funding earning assets | 0.8402% | 2,569 |
| Net interest margin | 3.1721% | 3,183 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.6011% | 1,948 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3366% | 4,193 |
| Return on assets (ROA) | 0.3366% | 4,150 |
| Pretax return on assets | 0.4437% | 4,065 |
| Return on Equity (ROE) | 1.7300% | 4,327 |
| Retained earnings to average equity (ytd only) | 1.7313% | 3,747 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.4271% | 532 |
| Assets per employee ($millions) | 6.4950% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 3,908 |
| Loan loss allowance to noncurrent loans | 24.0864% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 2.3172% | 89 |
| Noncurrent loans to loans | 3.6494% | 105 |
| Net loans and leases to total assets | 62.9400% | 2,365 |
| Net loans and leases to deposits | 85.4240% | 1,393 |
| Net loans and leases to core deposits | 87.7294% | 1,760 |
| Total domestic deposits to total assets | 73.6800% | 4,299 |
| Equity capital to assets | 19.6074% | 245 |
| Core capital (leverage) ratio | 19.5479% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $26,143,000 | 4,601 |
| Average earning assets | $23,328,500 | 4,578 |
| Average equity | $5,083,000 | 4,344 |
| Average total loans | $16,183,000 | 4,442 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7281% | 2,462 |
| Cost of funding earning assets | 0.6802% | 641 |
| Net interest margin | 3.0479% | 3,315 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.4512% | 2,267 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2862% | 4,376 |
| Return on assets (ROA) | 0.2862% | 4,349 |
| Pretax return on assets | 0.3539% | 4,320 |
| Return on Equity (ROE) | 1.5100% | 4,432 |
| Retained earnings to average equity (ytd only) | 1.5142% | 4,098 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 87.3826% | 378 |
| Assets per employee ($millions) | 6.5765% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9137% | 3,715 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 59.7800% | 2,650 |
| Net loans and leases to deposits | 80.5790% | 1,731 |
| Net loans and leases to core deposits | 82.7022% | 1,953 |
| Total domestic deposits to total assets | 74.1800% | 4,350 |
| Equity capital to assets | 19.2808% | 243 |
| Core capital (leverage) ratio | 19.3175% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $26,558,000 | 4,633 |
| Average earning assets | $23,229,200 | 4,617 |
| Average equity | $5,019,200 | 4,426 |
| Average total loans | $14,486,800 | 4,493 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5469% | 2,473 |
| Cost of funding earning assets | 0.6852% | 289 |
| Net interest margin | 2.8617% | 3,594 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 2.3890% | 2,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2003% | 4,473 |
| Return on assets (ROA) | 0.2003% | 4,442 |
| Pretax return on assets | 0.2003% | 4,460 |
| Return on Equity (ROE) | 1.0700% | 4,490 |
| Retained earnings to average equity (ytd only) | 1.0654% | 4,204 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 92.2631% | 272 |
| Assets per employee ($millions) | 6.7063% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 3,521 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 53.9400% | 3,109 |
| Net loans and leases to deposits | 68.6302% | 2,488 |
| Net loans and leases to core deposits | 74.9508% | 2,281 |
| Total domestic deposits to total assets | 78.6000% | 4,212 |
| Equity capital to assets | 18.7735% | 248 |
| Core capital (leverage) ratio | 18.5420% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $26,621,000 | 4,668 |
| Average earning assets | $23,155,500 | 4,651 |
| Average equity | $5,006,000 | 4,469 |
| Average total loans | $14,141,000 | 4,531 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4043% | 2,420 |
| Cost of funding earning assets | 0.6809% | 175 |
| Net interest margin | 2.7234% | 3,657 |
| Noninterest income to average assets | 0.0979% | 4,492 |
| Noninterest expense to average assets | 2.3877% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0603% | 4,546 |
| Return on assets (ROA) | 0.0603% | 4,513 |
| Pretax return on assets | 0.0603% | 4,511 |
| Return on Equity (ROE) | 0.3203% | 4,530 |
| Retained earnings to average equity (ytd only) | 0.3203% | 4,130 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5385% | 222 |
| Assets per employee ($millions) | 6.7348% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 3,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 50.9187% | 3,273 |
| Net loans and leases to deposits | 64.6998% | 2,664 |
| Net loans and leases to core deposits | 69.7144% | 2,505 |
| Total domestic deposits to total assets | 78.7000% | 4,312 |
| Equity capital to assets | 18.5753% | 208 |
| Core capital (leverage) ratio | 18.5519% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,553,000 | 4,705 |
| Average earning assets | $22,912,333 | 4,703 |
| Average equity | $4,996,000 | 4,522 |
| Average total loans | $13,983,000 | 4,598 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4118% | 2,052 |
| Cost of funding earning assets | 0.6717% | 178 |
| Net interest margin | 2.7400% | 3,310 |
| Noninterest income to average assets | 0.1062% | 4,472 |
| Noninterest expense to average assets | 2.3976% | 2,176 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0607% | 4,504 |
| Return on assets (ROA) | 0.0607% | 4,483 |
| Pretax return on assets | 0.0607% | 4,480 |
| Return on Equity (ROE) | 0.3205% | 4,500 |
| Retained earnings to average equity (ytd only) | 0.3205% | 3,952 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5309% | 290 |
| Assets per employee ($millions) | 6.7693% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 50.6666% | 3,108 |
| Net loans and leases to deposits | 64.2666% | 2,505 |
| Net loans and leases to core deposits | 69.2005% | 2,360 |
| Total domestic deposits to total assets | 78.8381% | 4,355 |
| Equity capital to assets | 18.4659% | 211 |
| Core capital (leverage) ratio | 19.1388% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,360,000 | 4,731 |
| Average earning assets | $22,627,500 | 4,726 |
| Average equity | $4,992,000 | 4,561 |
| Average total loans | $14,043,500 | 4,620 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6823% | 2,171 |
| Cost of funding earning assets | 0.7457% | 263 |
| Net interest margin | 2.9366% | 3,357 |
| Noninterest income to average assets | 0.1069% | 4,576 |
| Noninterest expense to average assets | 2.5301% | 2,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0475% | 4,662 |
| Return on assets (ROA) | 0.0475% | 4,669 |
| Pretax return on assets | 0.0871% | 4,648 |
| Return on Equity (ROE) | 0.2412% | 4,675 |
| Retained earnings to average equity (ytd only) | 0.2412% | 4,429 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6717% | 188 |
| Assets per employee ($millions) | 6.4108% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 3,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.9000% | 2,740 |
| Net loans and leases to deposits | 70.5311% | 2,069 |
| Net loans and leases to core deposits | 74.2276% | 2,059 |
| Total domestic deposits to total assets | 77.8380% | 4,409 |
| Equity capital to assets | 19.4361% | 194 |
| Core capital (leverage) ratio | 19.6344% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,255,800 | 4,775 |
| Average earning assets | $21,589,600 | 4,768 |
| Average equity | $4,975,600 | 4,633 |
| Average total loans | $15,033,000 | 4,650 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6863% | 2,314 |
| Cost of funding earning assets | 0.7534% | 305 |
| Net interest margin | 2.9328% | 3,473 |
| Noninterest income to average assets | 0.1060% | 4,648 |
| Noninterest expense to average assets | 2.5014% | 2,114 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0477% | 4,722 |
| Return on assets (ROA) | 0.0477% | 4,736 |
| Pretax return on assets | 0.1007% | 4,713 |
| Return on Equity (ROE) | 0.2413% | 4,741 |
| Retained earnings to average equity (ytd only) | 0.2413% | 4,529 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1303% | 194 |
| Assets per employee ($millions) | 6.3150% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 3,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 57.6920% | 2,538 |
| Net loans and leases to deposits | 74.3786% | 1,824 |
| Net loans and leases to core deposits | 78.3916% | 1,865 |
| Total domestic deposits to total assets | 77.5653% | 4,457 |
| Equity capital to assets | 19.7189% | 207 |
| Core capital (leverage) ratio | 19.5395% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,159,000 | 4,849 |
| Average earning assets | $21,412,250 | 4,843 |
| Average equity | $4,973,500 | 4,702 |
| Average total loans | $15,235,500 | 4,714 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8195% | 2,017 |
| Cost of funding earning assets | 0.7320% | 394 |
| Net interest margin | 3.0875% | 3,068 |
| Noninterest income to average assets | 0.1035% | 4,679 |
| Noninterest expense to average assets | 2.6030% | 1,838 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0398% | 4,758 |
| Return on assets (ROA) | 0.0398% | 4,767 |
| Pretax return on assets | 0.1194% | 4,720 |
| Return on Equity (ROE) | 0.2012% | 4,772 |
| Retained earnings to average equity (ytd only) | 0.2012% | 4,479 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6140% | 224 |
| Assets per employee ($millions) | 6.3655% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 3,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 57.8313% | 2,690 |
| Net loans and leases to deposits | 74.3574% | 1,968 |
| Net loans and leases to core deposits | 78.3203% | 2,026 |
| Total domestic deposits to total assets | 77.7747% | 4,454 |
| Equity capital to assets | 19.5468% | 208 |
| Core capital (leverage) ratio | 19.2526% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,125,333 | 4,885 |
| Average earning assets | $21,311,667 | 4,879 |
| Average equity | $4,971,000 | 4,732 |
| Average total loans | $15,408,000 | 4,743 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9625% | 1,671 |
| Cost of funding earning assets | 0.7430% | 463 |
| Net interest margin | 3.2195% | 2,637 |
| Noninterest income to average assets | 0.0962% | 4,702 |
| Noninterest expense to average assets | 2.7728% | 1,425 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1282% | 4,816 |
| Return on assets (ROA) | -0.1282% | 4,819 |
| Pretax return on assets | 0.0321% | 4,770 |
| Return on Equity (ROE) | -0.6441% | 4,809 |
| Retained earnings to average equity (ytd only) | -0.6441% | 4,423 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8571% | 203 |
| Assets per employee ($millions) | 6.4175% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 4,043 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 59.3572% | 2,625 |
| Net loans and leases to deposits | 76.0443% | 1,903 |
| Net loans and leases to core deposits | 80.0389% | 2,000 |
| Total domestic deposits to total assets | 78.0561% | 4,429 |
| Equity capital to assets | 19.3377% | 207 |
| Core capital (leverage) ratio | 19.5149% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,957,000 | 4,910 |
| Average earning assets | $20,997,000 | 4,908 |
| Average equity | $4,968,000 | 4,747 |
| Average total loans | $15,677,000 | 4,770 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 1,985 |
| Cost of funding earning assets | 0.7522% | 1,435 |
| Net interest margin | 3.5039% | 2,465 |
| Noninterest income to average assets | 0.1243% | 4,653 |
| Noninterest expense to average assets | 2.5337% | 2,740 |
| Loan and lease loss provision to assets | 0.0300% | 4,024 |
| Net operating income to assets | 0.5445% | 3,918 |
| Return on assets (ROA) | 0.5445% | 4,015 |
| Pretax return on assets | 0.5959% | 4,091 |
| Return on Equity (ROE) | 2.5856% | 4,461 |
| Retained earnings to average equity (ytd only) | 2.5856% | 3,554 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1900% | 878 |
| Assets per employee ($millions) | 6.0610% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 4,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 65.2821% | 2,190 |
| Net loans and leases to deposits | 85.0548% | 1,346 |
| Net loans and leases to core deposits | 89.8802% | 1,532 |
| Total domestic deposits to total assets | 76.7530% | 4,442 |
| Equity capital to assets | 20.5082% | 180 |
| Core capital (leverage) ratio | 19.7985% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,325,800 | 4,936 |
| Average earning assets | $20,206,200 | 4,927 |
| Average equity | $4,911,800 | 4,765 |
| Average total loans | $16,124,400 | 4,783 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3202% | 2,043 |
| Cost of funding earning assets | 0.7355% | 1,829 |
| Net interest margin | 3.5847% | 2,325 |
| Noninterest income to average assets | 0.1270% | 4,656 |
| Noninterest expense to average assets | 2.5862% | 2,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5888% | 3,800 |
| Return on assets (ROA) | 0.5888% | 3,901 |
| Pretax return on assets | 0.6639% | 3,976 |
| Return on Equity (ROE) | 2.7773% | 4,434 |
| Retained earnings to average equity (ytd only) | 2.7773% | 3,617 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5737% | 895 |
| Assets per employee ($millions) | 6.1093% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 4,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 65.6914% | 2,554 |
| Net loans and leases to deposits | 85.2930% | 1,780 |
| Net loans and leases to core deposits | 90.0640% | 1,962 |
| Total domestic deposits to total assets | 77.0185% | 4,324 |
| Equity capital to assets | 20.2439% | 200 |
| Core capital (leverage) ratio | 20.0243% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,096,250 | 4,965 |
| Average earning assets | $20,122,250 | 4,957 |
| Average equity | $4,896,750 | 4,795 |
| Average total loans | $16,162,500 | 4,815 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4108% | 2,180 |
| Cost of funding earning assets | 0.6933% | 2,430 |
| Net interest margin | 3.7175% | 2,102 |
| Noninterest income to average assets | 0.1236% | 4,685 |
| Noninterest expense to average assets | 2.6579% | 2,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6623% | 3,542 |
| Return on assets (ROA) | 0.6623% | 3,630 |
| Pretax return on assets | 0.7329% | 3,788 |
| Return on Equity (ROE) | 3.0738% | 4,336 |
| Retained earnings to average equity (ytd only) | 3.0738% | 3,356 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3854% | 1,019 |
| Assets per employee ($millions) | 5.9803% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 4,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 66.6360% | 2,543 |
| Net loans and leases to deposits | 86.9281% | 1,667 |
| Net loans and leases to core deposits | 91.9209% | 1,914 |
| Total domestic deposits to total assets | 76.6565% | 4,360 |
| Equity capital to assets | 20.5677% | 189 |
| Core capital (leverage) ratio | 21.4192% | 160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,649,333 | 4,997 |
| Average earning assets | $19,905,667 | 4,988 |
| Average equity | $4,880,000 | 4,820 |
| Average total loans | $16,153,000 | 4,844 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3221% | 2,851 |
| Cost of funding earning assets | 0.6965% | 2,943 |
| Net interest margin | 3.6257% | 2,586 |
| Noninterest income to average assets | 0.1090% | 4,791 |
| Noninterest expense to average assets | 2.6347% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5451% | 3,764 |
| Return on assets (ROA) | 0.5451% | 3,824 |
| Pretax return on assets | 0.6905% | 3,711 |
| Return on Equity (ROE) | 2.4691% | 4,347 |
| Retained earnings to average equity (ytd only) | 2.4691% | 3,280 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2350% | 1,216 |
| Assets per employee ($millions) | 5.5748% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8399% | 4,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 73.0661% | 1,770 |
| Net loans and leases to deposits | 97.1962% | 798 |
| Net loans and leases to core deposits | 100.2708% | 1,451 |
| Total domestic deposits to total assets | 75.1738% | 4,569 |
| Equity capital to assets | 21.8620% | 178 |
| Core capital (leverage) ratio | 21.7227% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,013,500 | 5,045 |
| Average earning assets | $19,527,500 | 5,036 |
| Average equity | $4,860,000 | 4,855 |
| Average total loans | $16,190,500 | 4,877 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3598% | 3,367 |
| Cost of funding earning assets | 0.7124% | 3,104 |
| Net interest margin | 3.6474% | 2,974 |
| Noninterest income to average assets | 0.1543% | 4,720 |
| Noninterest expense to average assets | 2.6920% | 2,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6036% | 4,149 |
| Return on assets (ROA) | 0.6001% | 4,220 |
| Pretax return on assets | 0.7502% | 4,082 |
| Return on Equity (ROE) | 2.9451% | 4,672 |
| Retained earnings to average equity (ytd only) | 2.9451% | 3,558 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1095% | 1,141 |
| Assets per employee ($millions) | 5.4320% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8652% | 4,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.7725% | 1,955 |
| Net loans and leases to deposits | 97.4666% | 800 |
| Net loans and leases to core deposits | 100.6429% | 1,510 |
| Total domestic deposits to total assets | 74.6640% | 4,726 |
| Equity capital to assets | 22.2984% | 174 |
| Core capital (leverage) ratio | 20.4689% | 220 |
| Tier 1 risk-based capital ratio | 41.5773% | 224 |
| Total risk-based capital ratio | 42.7615% | 221 |
| Memoranda: | ||
| Average total assets | $23,328,000 | 5,089 |
| Average earning assets | $21,056,200 | 5,078 |
| Average equity | $4,753,600 | 4,912 |
| Average total loans | $15,997,200 | 4,948 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 3,676 |
| Cost of funding earning assets | 0.7070% | 3,183 |
| Net interest margin | 3.5846% | 3,290 |
| Noninterest income to average assets | 0.1517% | 4,791 |
| Noninterest expense to average assets | 2.6915% | 2,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5090% | 4,497 |
| Return on assets (ROA) | 0.5001% | 4,565 |
| Pretax return on assets | 0.6968% | 4,348 |
| Return on Equity (ROE) | 2.5083% | 4,841 |
| Retained earnings to average equity (ytd only) | 2.5083% | 4,089 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1736% | 997 |
| Assets per employee ($millions) | 5.9338% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 4,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 3,034 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 67.2972% | 2,887 |
| Net loans and leases to deposits | 92.4417% | 1,381 |
| Net loans and leases to core deposits | 93.9202% | 2,187 |
| Total domestic deposits to total assets | 72.7997% | 4,880 |
| Equity capital to assets | 20.1938% | 249 |
| Core capital (leverage) ratio | 19.2832% | 276 |
| Tier 1 risk-based capital ratio | 40.3128% | 238 |
| Total risk-based capital ratio | 41.4733% | 236 |
| Memoranda: | ||
| Average total assets | $23,728,000 | 5,164 |
| Average earning assets | $21,498,750 | 5,152 |
| Average equity | $4,730,750 | 4,980 |
| Average total loans | $16,009,000 | 5,023 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 3,799 |
| Cost of funding earning assets | 0.6850% | 3,250 |
| Net interest margin | 3.5637% | 3,388 |
| Noninterest income to average assets | 0.1517% | 4,822 |
| Noninterest expense to average assets | 2.7059% | 2,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4889% | 4,549 |
| Return on assets (ROA) | 0.4889% | 4,582 |
| Pretax return on assets | 0.6912% | 4,350 |
| Return on Equity (ROE) | 2.4628% | 4,879 |
| Retained earnings to average equity (ytd only) | 2.4628% | 3,957 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6526% | 997 |
| Assets per employee ($millions) | 5.9985% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8535% | 4,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 3,082 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 66.8084% | 3,001 |
| Net loans and leases to deposits | 91.1883% | 1,600 |
| Net loans and leases to core deposits | 92.6161% | 2,355 |
| Total domestic deposits to total assets | 73.2641% | 4,882 |
| Equity capital to assets | 19.8258% | 251 |
| Core capital (leverage) ratio | 18.7512% | 295 |
| Tier 1 risk-based capital ratio | 39.6619% | 238 |
| Total risk-based capital ratio | 40.8111% | 236 |
| Memoranda: | ||
| Average total assets | $23,725,670 | 5,211 |
| Average earning assets | $21,606,670 | 5,199 |
| Average equity | $4,710,000 | 5,018 |
| Average total loans | $15,975,000 | 5,066 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 3,741 |
| Cost of funding earning assets | 0.6512% | 3,317 |
| Net interest margin | 3.5907% | 3,282 |
| Noninterest income to average assets | 0.1696% | 4,725 |
| Noninterest expense to average assets | 2.7298% | 2,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4747% | 4,587 |
| Return on assets (ROA) | 0.4747% | 4,610 |
| Pretax return on assets | 0.7121% | 4,274 |
| Return on Equity (ROE) | 2.3898% | 4,912 |
| Retained earnings to average equity (ytd only) | 2.3898% | 3,958 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3103% | 1,121 |
| Assets per employee ($millions) | 6.0100% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8569% | 4,316 |
| Loan loss allowance to noncurrent loans | 160.4651% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3577% | 3,171 |
| Noncurrent loans to loans | 0.5340% | 2,713 |
| Net loans and leases to total assets | 66.4143% | 2,987 |
| Net loans and leases to deposits | 90.3054% | 1,589 |
| Net loans and leases to core deposits | 91.7059% | 2,327 |
| Total domestic deposits to total assets | 73.5441% | 4,966 |
| Equity capital to assets | 19.6173% | 258 |
| Core capital (leverage) ratio | 19.8284% | 240 |
| Tier 1 risk-based capital ratio | 40.0863% | 237 |
| Total risk-based capital ratio | 41.2541% | 235 |
| Memoranda: | ||
| Average total assets | $23,591,500 | 5,267 |
| Average earning assets | $21,500,000 | 5,255 |
| Average equity | $4,686,500 | 5,062 |
| Average total loans | $15,878,500 | 5,128 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1390% | 3,624 |
| Cost of funding earning assets | 0.5453% | 3,079 |
| Net interest margin | 3.5937% | 3,403 |
| Noninterest income to average assets | 0.1696% | 4,878 |
| Noninterest expense to average assets | 2.6203% | 3,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7081% | 4,118 |
| Return on assets (ROA) | 0.7081% | 4,120 |
| Pretax return on assets | 0.8183% | 4,121 |
| Return on Equity (ROE) | 3.6538% | 4,783 |
| Retained earnings to average equity (ytd only) | 3.6538% | 3,568 |
| Net charge-offs to loans | 0.0132% | 3,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 96.5000% | 754 |
| Efficiency ratio | 76.2022% | 1,330 |
| Assets per employee ($millions) | 5.7858% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 4,244 |
| Loan loss allowance to noncurrent loans | 162.3529% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 3,083 |
| Noncurrent loans to loans | 0.5430% | 2,644 |
| Net loans and leases to total assets | 67.0397% | 2,995 |
| Net loans and leases to deposits | 86.9236% | 2,167 |
| Net loans and leases to core deposits | 88.2537% | 2,733 |
| Total domestic deposits to total assets | 77.1248% | 4,616 |
| Equity capital to assets | 20.1227% | 229 |
| Core capital (leverage) ratio | 18.2776% | 310 |
| Tier 1 risk-based capital ratio | 40.0816% | 233 |
| Total risk-based capital ratio | 41.2539% | 232 |
| Memoranda: | ||
| Average total assets | $23,585,000 | 5,311 |
| Average earning assets | $21,454,200 | 5,299 |
| Average equity | $4,570,600 | 5,103 |
| Average total loans | $15,187,400 | 5,193 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0874% | 3,677 |
| Cost of funding earning assets | 0.5442% | 2,903 |
| Net interest margin | 3.5432% | 3,542 |
| Noninterest income to average assets | 0.1744% | 4,911 |
| Noninterest expense to average assets | 2.6052% | 3,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6865% | 4,268 |
| Return on assets (ROA) | 0.6865% | 4,279 |
| Pretax return on assets | 0.7934% | 4,310 |
| Return on Equity (ROE) | 3.5757% | 4,909 |
| Retained earnings to average equity (ytd only) | 3.5757% | 3,979 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6556% | 1,272 |
| Assets per employee ($millions) | 5.8110% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 4,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 64.3521% | 3,381 |
| Net loans and leases to deposits | 83.0446% | 2,709 |
| Net loans and leases to core deposits | 84.3512% | 3,132 |
| Total domestic deposits to total assets | 77.4910% | 4,569 |
| Equity capital to assets | 19.7470% | 239 |
| Core capital (leverage) ratio | 19.4705% | 255 |
| Tier 1 risk-based capital ratio | 40.5181% | 225 |
| Total risk-based capital ratio | 41.7309% | 222 |
| Memoranda: | ||
| Average total assets | $23,695,500 | 5,382 |
| Average earning assets | $21,561,750 | 5,369 |
| Average equity | $4,549,000 | 5,169 |
| Average total loans | $15,071,000 | 5,256 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0657% | 3,560 |
| Cost of funding earning assets | 0.5452% | 2,651 |
| Net interest margin | 3.5205% | 3,566 |
| Noninterest income to average assets | 0.2097% | 4,756 |
| Noninterest expense to average assets | 2.6168% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7045% | 4,185 |
| Return on assets (ROA) | 0.7045% | 4,184 |
| Pretax return on assets | 0.7884% | 4,281 |
| Return on Equity (ROE) | 3.7043% | 4,887 |
| Retained earnings to average equity (ytd only) | 3.7043% | 3,747 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8473% | 1,334 |
| Assets per employee ($millions) | 5.9370% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 4,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 62.2705% | 3,567 |
| Net loans and leases to deposits | 79.6982% | 2,978 |
| Net loans and leases to core deposits | 80.9104% | 3,330 |
| Total domestic deposits to total assets | 78.1329% | 4,566 |
| Equity capital to assets | 19.1974% | 256 |
| Core capital (leverage) ratio | 19.0888% | 263 |
| Tier 1 risk-based capital ratio | 39.9759% | 229 |
| Total risk-based capital ratio | 41.1826% | 225 |
| Memoranda: | ||
| Average total assets | $23,846,000 | 5,442 |
| Average earning assets | $21,644,670 | 5,431 |
| Average equity | $4,535,330 | 5,229 |
| Average total loans | $15,062,000 | 5,315 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9084% | 3,906 |
| Cost of funding earning assets | 0.5505% | 2,402 |
| Net interest margin | 3.3580% | 4,026 |
| Noninterest income to average assets | 0.2176% | 4,700 |
| Noninterest expense to average assets | 2.6616% | 3,157 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6026% | 4,417 |
| Return on assets (ROA) | 0.6026% | 4,424 |
| Pretax return on assets | 0.6194% | 4,641 |
| Return on Equity (ROE) | 3.1834% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.1834% | 3,931 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1224% | 1,035 |
| Assets per employee ($millions) | 5.9968% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 4,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 62.6506% | 3,467 |
| Net loans and leases to deposits | 79.7665% | 2,837 |
| Net loans and leases to core deposits | 80.9611% | 3,245 |
| Total domestic deposits to total assets | 78.5425% | 4,641 |
| Equity capital to assets | 18.8727% | 257 |
| Core capital (leverage) ratio | 18.9525% | 255 |
| Tier 1 risk-based capital ratio | 39.1212% | 239 |
| Total risk-based capital ratio | 40.3157% | 237 |
| Memoranda: | ||
| Average total assets | $23,895,000 | 5,498 |
| Average earning assets | $21,799,000 | 5,488 |
| Average equity | $4,523,500 | 5,284 |
| Average total loans | $15,129,000 | 5,374 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 3,812 |
| Cost of funding earning assets | 0.6339% | 1,395 |
| Net interest margin | 3.2383% | 4,335 |
| Noninterest income to average assets | 0.1295% | 5,297 |
| Noninterest expense to average assets | 2.6017% | 3,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3767% | 4,764 |
| Return on assets (ROA) | 0.3800% | 4,764 |
| Pretax return on assets | 0.4761% | 4,964 |
| Return on Equity (ROE) | 2.0435% | 5,052 |
| Retained earnings to average equity (ytd only) | 2.0435% | 4,093 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6467% | 718 |
| Assets per employee ($millions) | 5.9508% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 4,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 62.8072% | 3,512 |
| Net loans and leases to deposits | 80.0578% | 2,912 |
| Net loans and leases to core deposits | 81.2677% | 3,315 |
| Total domestic deposits to total assets | 78.4523% | 4,646 |
| Equity capital to assets | 18.9892% | 254 |
| Core capital (leverage) ratio | 18.6496% | 253 |
| Tier 1 risk-based capital ratio | 38.9251% | 238 |
| Total risk-based capital ratio | 40.1252% | 231 |
| Memoranda: | ||
| Average total assets | $23,946,200 | 5,557 |
| Average earning assets | $21,770,400 | 5,546 |
| Average equity | $4,453,200 | 5,351 |
| Average total loans | $14,817,000 | 5,443 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 3,908 |
| Cost of funding earning assets | 0.6369% | 1,322 |
| Net interest margin | 3.1908% | 4,472 |
| Noninterest income to average assets | 0.1168% | 5,411 |
| Noninterest expense to average assets | 2.5574% | 3,545 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3625% | 5,075 |
| Return on assets (ROA) | 0.3669% | 5,090 |
| Pretax return on assets | 0.4615% | 5,098 |
| Return on Equity (ROE) | 1.9835% | 5,313 |
| Retained earnings to average equity (ytd only) | 1.9835% | 4,646 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8708% | 697 |
| Assets per employee ($millions) | 6.0768% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 4,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 61.3733% | 3,734 |
| Net loans and leases to deposits | 77.6211% | 3,208 |
| Net loans and leases to core deposits | 78.7562% | 3,562 |
| Total domestic deposits to total assets | 79.0678% | 4,518 |
| Equity capital to assets | 18.4144% | 302 |
| Core capital (leverage) ratio | 18.3343% | 283 |
| Tier 1 risk-based capital ratio | 38.1155% | 251 |
| Total risk-based capital ratio | 39.3061% | 249 |
| Memoranda: | ||
| Average total assets | $23,982,000 | 5,621 |
| Average earning assets | $21,770,500 | 5,610 |
| Average equity | $4,436,500 | 5,410 |
| Average total loans | $14,748,750 | 5,503 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 3,750 |
| Cost of funding earning assets | 0.6360% | 1,223 |
| Net interest margin | 3.2077% | 4,396 |
| Noninterest income to average assets | 0.1089% | 5,485 |
| Noninterest expense to average assets | 2.6305% | 3,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3183% | 5,177 |
| Return on assets (ROA) | 0.3183% | 5,197 |
| Pretax return on assets | 0.3937% | 5,181 |
| Return on Equity (ROE) | 1.7182% | 5,379 |
| Retained earnings to average equity (ytd only) | 1.7182% | 4,564 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9806% | 608 |
| Assets per employee ($millions) | 6.1075% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 4,449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 60.2129% | 3,826 |
| Net loans and leases to deposits | 75.9383% | 3,353 |
| Net loans and leases to core deposits | 77.0359% | 3,678 |
| Total domestic deposits to total assets | 79.2919% | 4,563 |
| Equity capital to assets | 18.2440% | 309 |
| Core capital (leverage) ratio | 18.3880% | 282 |
| Tier 1 risk-based capital ratio | 38.1929% | 241 |
| Total risk-based capital ratio | 39.3942% | 235 |
| Memoranda: | ||
| Average total assets | $23,873,670 | 5,666 |
| Average earning assets | $21,698,000 | 5,656 |
| Average equity | $4,423,330 | 5,455 |
| Average total loans | $14,645,670 | 5,553 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7702% | 3,867 |
| Cost of funding earning assets | 0.6533% | 1,062 |
| Net interest margin | 3.1170% | 4,613 |
| Noninterest income to average assets | 0.0509% | 5,727 |
| Noninterest expense to average assets | 2.6446% | 3,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1865% | 5,416 |
| Return on assets (ROA) | 0.1865% | 5,426 |
| Pretax return on assets | 0.2373% | 5,395 |
| Return on Equity (ROE) | 0.9985% | 5,494 |
| Retained earnings to average equity (ytd only) | 0.9985% | 4,660 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7647% | 465 |
| Assets per employee ($millions) | 6.0058% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 4,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 60.8750% | 3,685 |
| Net loans and leases to deposits | 76.9360% | 3,087 |
| Net loans and leases to core deposits | 79.1728% | 3,369 |
| Total domestic deposits to total assets | 79.1242% | 4,802 |
| Equity capital to assets | 18.3949% | 280 |
| Core capital (leverage) ratio | 18.4386% | 264 |
| Tier 1 risk-based capital ratio | 38.2200% | 253 |
| Total risk-based capital ratio | 39.4309% | 248 |
| Memoranda: | ||
| Average total assets | $23,595,500 | 5,742 |
| Average earning assets | $21,431,000 | 5,726 |
| Average equity | $4,406,500 | 5,511 |
| Average total loans | $14,543,500 | 5,618 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 3,586 |
| Cost of funding earning assets | 0.7569% | 614 |
| Net interest margin | 3.1390% | 4,615 |
| Noninterest income to average assets | 0.1699% | 5,372 |
| Noninterest expense to average assets | 2.5736% | 3,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3865% | 4,988 |
| Return on assets (ROA) | 0.3865% | 5,072 |
| Pretax return on assets | 0.4671% | 5,091 |
| Return on Equity (ROE) | 2.0809% | 5,388 |
| Retained earnings to average equity (ytd only) | 2.0809% | 4,352 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6369% | 949 |
| Assets per employee ($millions) | 5.7920% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 4,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 61.2181% | 3,697 |
| Net loans and leases to deposits | 77.9800% | 3,107 |
| Net loans and leases to core deposits | 80.4162% | 3,359 |
| Total domestic deposits to total assets | 78.5048% | 4,891 |
| Equity capital to assets | 18.9658% | 247 |
| Core capital (leverage) ratio | 18.4227% | 261 |
| Tier 1 risk-based capital ratio | 38.9056% | 239 |
| Total risk-based capital ratio | 40.1452% | 234 |
| Memoranda: | ||
| Average total assets | $23,547,200 | 5,791 |
| Average earning assets | $21,535,800 | 5,776 |
| Average equity | $4,373,200 | 5,580 |
| Average total loans | $14,142,600 | 5,682 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9469% | 3,439 |
| Cost of funding earning assets | 0.7709% | 572 |
| Net interest margin | 3.1760% | 4,558 |
| Noninterest income to average assets | 0.1692% | 5,422 |
| Noninterest expense to average assets | 2.5547% | 3,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4230% | 4,952 |
| Return on assets (ROA) | 0.4230% | 5,042 |
| Pretax return on assets | 0.5189% | 5,081 |
| Return on Equity (ROE) | 2.2894% | 5,413 |
| Retained earnings to average equity (ytd only) | 2.2894% | 4,554 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1193% | 1,060 |
| Assets per employee ($millions) | 5.8563% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 4,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 59.3255% | 3,965 |
| Net loans and leases to deposits | 75.4452% | 3,458 |
| Net loans and leases to core deposits | 79.1717% | 3,532 |
| Total domestic deposits to total assets | 78.6339% | 4,802 |
| Equity capital to assets | 18.8175% | 279 |
| Core capital (leverage) ratio | 18.5296% | 259 |
| Tier 1 risk-based capital ratio | 38.9813% | 243 |
| Total risk-based capital ratio | 40.2193% | 238 |
| Memoranda: | ||
| Average total assets | $23,642,000 | 5,851 |
| Average earning assets | $21,619,750 | 5,838 |
| Average equity | $4,368,000 | 5,640 |
| Average total loans | $14,097,500 | 5,739 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9581% | 3,394 |
| Cost of funding earning assets | 0.7714% | 564 |
| Net interest margin | 3.1867% | 4,586 |
| Noninterest income to average assets | 0.1771% | 5,435 |
| Noninterest expense to average assets | 2.5554% | 3,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4554% | 4,848 |
| Return on assets (ROA) | 0.4554% | 4,939 |
| Pretax return on assets | 0.5482% | 5,029 |
| Return on Equity (ROE) | 2.4801% | 5,386 |
| Retained earnings to average equity (ytd only) | 2.4801% | 4,305 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3370% | 1,231 |
| Assets per employee ($millions) | 5.9395% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 4,636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 59.7693% | 3,914 |
| Net loans and leases to deposits | 75.6003% | 3,425 |
| Net loans and leases to core deposits | 79.4317% | 3,512 |
| Total domestic deposits to total assets | 79.0597% | 4,773 |
| Equity capital to assets | 18.4696% | 299 |
| Core capital (leverage) ratio | 18.2522% | 276 |
| Tier 1 risk-based capital ratio | 38.6710% | 253 |
| Total risk-based capital ratio | 39.9048% | 248 |
| Memoranda: | ||
| Average total assets | $23,714,330 | 5,923 |
| Average earning assets | $21,778,000 | 5,911 |
| Average equity | $4,354,670 | 5,707 |
| Average total loans | $14,117,670 | 5,810 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 3,689 |
| Cost of funding earning assets | 0.7744% | 565 |
| Net interest margin | 3.0976% | 4,867 |
| Noninterest income to average assets | 0.1519% | 5,580 |
| Noninterest expense to average assets | 2.5662% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3545% | 5,128 |
| Return on assets (ROA) | 0.3545% | 5,214 |
| Pretax return on assets | 0.4221% | 5,260 |
| Return on Equity (ROE) | 1.9364% | 5,515 |
| Retained earnings to average equity (ytd only) | 1.9364% | 4,482 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8757% | 984 |
| Assets per employee ($millions) | 5.9530% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 4,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 58.3907% | 3,999 |
| Net loans and leases to deposits | 73.6675% | 3,474 |
| Net loans and leases to core deposits | 77.4639% | 3,549 |
| Total domestic deposits to total assets | 79.2626% | 4,910 |
| Equity capital to assets | 18.3059% | 302 |
| Core capital (leverage) ratio | 18.4235% | 263 |
| Tier 1 risk-based capital ratio | 38.6916% | 255 |
| Total risk-based capital ratio | 39.9343% | 251 |
| Memoranda: | ||
| Average total assets | $23,692,500 | 5,989 |
| Average earning assets | $21,694,000 | 5,972 |
| Average equity | $4,338,000 | 5,754 |
| Average total loans | $14,006,500 | 5,872 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 4,079 |
| Cost of funding earning assets | 0.8082% | 474 |
| Net interest margin | 2.9801% | 5,184 |
| Noninterest income to average assets | 0.1354% | 5,738 |
| Noninterest expense to average assets | 2.4624% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3242% | 5,287 |
| Return on assets (ROA) | 0.3242% | 5,371 |
| Pretax return on assets | 0.3817% | 5,356 |
| Return on Equity (ROE) | 1.8466% | 5,608 |
| Retained earnings to average equity (ytd only) | 1.8466% | 4,672 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5801% | 957 |
| Assets per employee ($millions) | 5.8933% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 4,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 58.6646% | 4,005 |
| Net loans and leases to deposits | 74.4375% | 3,445 |
| Net loans and leases to core deposits | 78.3158% | 3,511 |
| Total domestic deposits to total assets | 78.8105% | 5,013 |
| Equity capital to assets | 18.3133% | 292 |
| Core capital (leverage) ratio | 17.6492% | 303 |
| Tier 1 risk-based capital ratio | 38.3529% | 255 |
| Total risk-based capital ratio | 39.5967% | 251 |
| Memoranda: | ||
| Average total assets | $24,366,600 | 6,036 |
| Average earning assets | $22,147,200 | 6,025 |
| Average equity | $4,278,200 | 5,803 |
| Average total loans | $13,899,800 | 5,926 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7584% | 4,229 |
| Cost of funding earning assets | 0.8093% | 473 |
| Net interest margin | 2.9492% | 5,306 |
| Noninterest income to average assets | 0.1303% | 5,825 |
| Noninterest expense to average assets | 2.4262% | 4,430 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3202% | 5,396 |
| Return on assets (ROA) | 0.3202% | 5,479 |
| Pretax return on assets | 0.3745% | 5,513 |
| Return on Equity (ROE) | 1.8428% | 5,698 |
| Retained earnings to average equity (ytd only) | 1.8428% | 4,956 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6279% | 962 |
| Assets per employee ($millions) | 6.0938% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 4,637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 55.6882% | 4,392 |
| Net loans and leases to deposits | 70.3790% | 3,936 |
| Net loans and leases to core deposits | 73.8842% | 4,026 |
| Total domestic deposits to total assets | 79.1262% | 4,946 |
| Equity capital to assets | 17.7108% | 368 |
| Core capital (leverage) ratio | 17.2908% | 350 |
| Tier 1 risk-based capital ratio | 38.1833% | 278 |
| Total risk-based capital ratio | 39.4215% | 278 |
| Memoranda: | ||
| Average total assets | $24,565,000 | 6,121 |
| Average earning assets | $22,242,750 | 6,111 |
| Average equity | $4,268,500 | 5,885 |
| Average total loans | $13,882,500 | 6,004 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7598% | 4,209 |
| Cost of funding earning assets | 0.8076% | 477 |
| Net interest margin | 2.9522% | 5,335 |
| Noninterest income to average assets | 0.1381% | 5,869 |
| Noninterest expense to average assets | 2.4768% | 4,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2761% | 5,513 |
| Return on assets (ROA) | 0.2761% | 5,597 |
| Pretax return on assets | 0.3329% | 5,600 |
| Return on Equity (ROE) | 1.5991% | 5,781 |
| Retained earnings to average equity (ytd only) | 1.5991% | 4,901 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1503% | 901 |
| Assets per employee ($millions) | 6.1483% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 4,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 55.6093% | 4,378 |
| Net loans and leases to deposits | 69.2491% | 4,010 |
| Net loans and leases to core deposits | 72.5902% | 4,077 |
| Total domestic deposits to total assets | 80.3033% | 4,794 |
| Equity capital to assets | 17.3627% | 391 |
| Core capital (leverage) ratio | 16.9122% | 374 |
| Tier 1 risk-based capital ratio | 36.5363% | 324 |
| Total risk-based capital ratio | 37.7342% | 323 |
| Memoranda: | ||
| Average total assets | $24,628,330 | 6,194 |
| Average earning assets | $22,288,330 | 6,181 |
| Average equity | $4,252,330 | 5,947 |
| Average total loans | $13,938,670 | 6,063 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 4,028 |
| Cost of funding earning assets | 0.8056% | 482 |
| Net interest margin | 2.9898% | 5,244 |
| Noninterest income to average assets | 0.1461% | 5,865 |
| Noninterest expense to average assets | 2.5319% | 4,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2597% | 5,536 |
| Return on assets (ROA) | 0.2597% | 5,629 |
| Pretax return on assets | 0.3246% | 5,591 |
| Return on Equity (ROE) | 1.5082% | 5,805 |
| Retained earnings to average equity (ytd only) | 1.5082% | 4,884 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6364% | 966 |
| Assets per employee ($millions) | 6.1620% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 4,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 55.2459% | 4,288 |
| Net loans and leases to deposits | 68.7103% | 3,889 |
| Net loans and leases to core deposits | 70.8702% | 4,075 |
| Total domestic deposits to total assets | 80.4041% | 4,960 |
| Equity capital to assets | 17.3077% | 397 |
| Core capital (leverage) ratio | 17.0178% | 353 |
| Tier 1 risk-based capital ratio | 37.0700% | 306 |
| Total risk-based capital ratio | 38.2800% | 305 |
| Memoranda: | ||
| Average total assets | $24,646,000 | 6,260 |
| Average earning assets | $22,343,000 | 6,243 |
| Average equity | $4,243,500 | 6,004 |
| Average total loans | $14,000,000 | 6,114 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6331% | 4,989 |
| Cost of funding earning assets | 0.8668% | 469 |
| Net interest margin | 2.7663% | 5,855 |
| Noninterest income to average assets | 0.1171% | 6,098 |
| Noninterest expense to average assets | 2.2749% | 5,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3083% | 5,495 |
| Return on assets (ROA) | 0.3083% | 5,570 |
| Pretax return on assets | 0.3824% | 5,529 |
| Return on Equity (ROE) | 1.9092% | 5,788 |
| Retained earnings to average equity (ytd only) | 1.9092% | 4,850 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6094% | 1,212 |
| Assets per employee ($millions) | 6.1610% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 5,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 57.2269% | 4,166 |
| Net loans and leases to deposits | 71.0192% | 3,786 |
| Net loans and leases to core deposits | 73.3843% | 3,979 |
| Total domestic deposits to total assets | 80.5795% | 4,868 |
| Equity capital to assets | 17.1279% | 404 |
| Core capital (leverage) ratio | 17.2212% | 351 |
| Tier 1 risk-based capital ratio | 36.3605% | 302 |
| Total risk-based capital ratio | 37.5600% | 295 |
| Memoranda: | ||
| Average total assets | $25,628,000 | 6,330 |
| Average earning assets | $23,533,600 | 6,306 |
| Average equity | $4,137,800 | 6,059 |
| Average total loans | $13,685,000 | 6,205 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5667% | 5,224 |
| Cost of funding earning assets | 0.8692% | 491 |
| Net interest margin | 2.6974% | 6,006 |
| Noninterest income to average assets | 0.1082% | 6,215 |
| Noninterest expense to average assets | 2.2364% | 5,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2886% | 5,627 |
| Return on assets (ROA) | 0.2886% | 5,695 |
| Pretax return on assets | 0.3504% | 5,676 |
| Return on Equity (ROE) | 1.8135% | 5,878 |
| Retained earnings to average equity (ytd only) | 1.8135% | 5,143 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4542% | 1,140 |
| Assets per employee ($millions) | 6.4690% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 5,128 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 52.5738% | 4,741 |
| Net loans and leases to deposits | 64.3733% | 4,493 |
| Net loans and leases to core deposits | 66.3642% | 4,672 |
| Total domestic deposits to total assets | 81.6703% | 4,602 |
| Equity capital to assets | 16.1501% | 540 |
| Core capital (leverage) ratio | 16.3163% | 437 |
| Tier 1 risk-based capital ratio | 35.6980% | 337 |
| Total risk-based capital ratio | 36.8817% | 332 |
| Memoranda: | ||
| Average total assets | $25,874,000 | 6,405 |
| Average earning assets | $23,775,250 | 6,375 |
| Average equity | $4,117,000 | 6,135 |
| Average total loans | $13,545,500 | 6,278 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5694% | 5,236 |
| Cost of funding earning assets | 0.8819% | 472 |
| Net interest margin | 2.6876% | 6,064 |
| Noninterest income to average assets | 0.1082% | 6,252 |
| Noninterest expense to average assets | 2.2494% | 5,286 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2705% | 5,666 |
| Return on assets (ROA) | 0.2705% | 5,738 |
| Pretax return on assets | 0.3324% | 5,721 |
| Return on Equity (ROE) | 1.7088% | 5,909 |
| Retained earnings to average equity (ytd only) | 1.7088% | 5,048 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1257% | 1,175 |
| Assets per employee ($millions) | 6.5240% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 5,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.5979% | 4,787 |
| Net loans and leases to deposits | 63.0030% | 4,594 |
| Net loans and leases to core deposits | 64.9135% | 4,732 |
| Total domestic deposits to total assets | 81.8976% | 4,678 |
| Equity capital to assets | 15.9450% | 564 |
| Core capital (leverage) ratio | 16.0944% | 466 |
| Tier 1 risk-based capital ratio | 35.4311% | 332 |
| Total risk-based capital ratio | 36.6121% | 331 |
| Memoranda: | ||
| Average total assets | $25,873,330 | 6,468 |
| Average earning assets | $23,813,330 | 6,438 |
| Average equity | $4,096,330 | 6,180 |
| Average total loans | $13,479,330 | 6,339 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6272% | 5,079 |
| Cost of funding earning assets | 0.8941% | 471 |
| Net interest margin | 2.7330% | 6,055 |
| Noninterest income to average assets | 0.0932% | 6,356 |
| Noninterest expense to average assets | 2.2980% | 5,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2329% | 5,712 |
| Return on assets (ROA) | 0.2329% | 5,757 |
| Pretax return on assets | 0.3105% | 5,693 |
| Return on Equity (ROE) | 1.4764% | 5,934 |
| Retained earnings to average equity (ytd only) | 1.4764% | 5,023 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0952% | 1,220 |
| Assets per employee ($millions) | 6.4988% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 5,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 51.4253% | 4,735 |
| Net loans and leases to deposits | 62.6312% | 4,474 |
| Net loans and leases to core deposits | 64.5205% | 4,644 |
| Total domestic deposits to total assets | 82.1081% | 4,908 |
| Equity capital to assets | 15.7761% | 557 |
| Core capital (leverage) ratio | 16.0800% | 470 |
| Tier 1 risk-based capital ratio | 35.8030% | 326 |
| Total risk-based capital ratio | 37.0021% | 319 |
| Memoranda: | ||
| Average total assets | $25,762,000 | 6,538 |
| Average earning assets | $23,710,000 | 6,507 |
| Average equity | $4,064,000 | 6,235 |
| Average total loans | $13,416,500 | 6,403 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6959% | 5,146 |
| Cost of funding earning assets | 1.0098% | 422 |
| Net interest margin | 2.6861% | 6,159 |
| Noninterest income to average assets | 0.1212% | 6,315 |
| Noninterest expense to average assets | 2.1898% | 5,653 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3406% | 5,376 |
| Return on assets (ROA) | 0.3069% | 5,596 |
| Pretax return on assets | 0.3789% | 5,543 |
| Return on Equity (ROE) | 1.9958% | 5,843 |
| Retained earnings to average equity (ytd only) | 1.9958% | 4,815 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8897% | 1,635 |
| Assets per employee ($millions) | 6.3823% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 5,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 51.6471% | 4,904 |
| Net loans and leases to deposits | 62.9235% | 4,619 |
| Net loans and leases to core deposits | 64.8421% | 4,791 |
| Total domestic deposits to total assets | 82.0792% | 4,843 |
| Equity capital to assets | 15.7742% | 565 |
| Core capital (leverage) ratio | 16.3148% | 435 |
| Tier 1 risk-based capital ratio | 36.0419% | 296 |
| Total risk-based capital ratio | 37.2534% | 293 |
| Memoranda: | ||
| Average total assets | $26,394,600 | 6,600 |
| Average earning assets | $24,459,600 | 6,568 |
| Average equity | $4,058,600 | 6,311 |
| Average total loans | $13,936,600 | 6,456 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6464% | 5,309 |
| Cost of funding earning assets | 1.0264% | 431 |
| Net interest margin | 2.6200% | 6,292 |
| Noninterest income to average assets | 0.1203% | 6,415 |
| Noninterest expense to average assets | 2.0993% | 5,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3808% | 5,329 |
| Return on assets (ROA) | 0.3808% | 5,468 |
| Pretax return on assets | 0.4509% | 5,497 |
| Return on Equity (ROE) | 2.4918% | 5,790 |
| Retained earnings to average equity (ytd only) | 2.4918% | 4,830 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3183% | 1,784 |
| Assets per employee ($millions) | 6.6535% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 5,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 51.0483% | 5,001 |
| Net loans and leases to deposits | 61.7237% | 4,795 |
| Net loans and leases to core deposits | 63.4979% | 4,946 |
| Total domestic deposits to total assets | 82.7046% | 4,683 |
| Equity capital to assets | 15.2213% | 677 |
| Core capital (leverage) ratio | 15.4868% | 564 |
| Tier 1 risk-based capital ratio | 32.9959% | 399 |
| Total risk-based capital ratio | 34.1119% | 399 |
| Memoranda: | ||
| Average total assets | $26,611,000 | 6,666 |
| Average earning assets | $24,681,500 | 6,635 |
| Average equity | $4,066,500 | 6,385 |
| Average total loans | $14,089,500 | 6,520 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6981% | 5,148 |
| Cost of funding earning assets | 1.0554% | 419 |
| Net interest margin | 2.6426% | 6,278 |
| Noninterest income to average assets | 0.1203% | 6,448 |
| Noninterest expense to average assets | 2.2172% | 5,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3232% | 5,508 |
| Return on assets (ROA) | 0.3232% | 5,667 |
| Pretax return on assets | 0.3683% | 5,710 |
| Return on Equity (ROE) | 2.1122% | 5,915 |
| Retained earnings to average equity (ytd only) | 2.1122% | 4,923 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7558% | 1,438 |
| Assets per employee ($millions) | 6.6730% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 5,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 51.3675% | 4,943 |
| Net loans and leases to deposits | 62.0407% | 4,737 |
| Net loans and leases to core deposits | 63.8315% | 4,910 |
| Total domestic deposits to total assets | 82.7963% | 4,780 |
| Equity capital to assets | 15.1394% | 687 |
| Core capital (leverage) ratio | 15.3754% | 549 |
| Tier 1 risk-based capital ratio | 33.5404% | 388 |
| Total risk-based capital ratio | 34.6845% | 384 |
| Memoranda: | ||
| Average total assets | $26,610,000 | 6,717 |
| Average earning assets | $24,823,670 | 6,682 |
| Average equity | $4,071,670 | 6,432 |
| Average total loans | $14,210,670 | 6,557 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7775% | 4,896 |
| Cost of funding earning assets | 1.0977% | 378 |
| Net interest margin | 2.6798% | 6,249 |
| Noninterest income to average assets | 0.1054% | 6,553 |
| Noninterest expense to average assets | 2.0927% | 5,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2409% | 5,756 |
| Return on assets (ROA) | 0.2409% | 5,882 |
| Pretax return on assets | 0.5119% | 5,215 |
| Return on Equity (ROE) | 1.5659% | 6,068 |
| Retained earnings to average equity (ytd only) | 1.5659% | 5,201 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3468% | 2,276 |
| Assets per employee ($millions) | 6.6925% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 6,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 52.4767% | 4,629 |
| Net loans and leases to deposits | 63.4536% | 4,375 |
| Net loans and leases to core deposits | 65.2697% | 4,619 |
| Total domestic deposits to total assets | 82.7008% | 4,952 |
| Equity capital to assets | 15.2671% | 697 |
| Core capital (leverage) ratio | 15.3157% | 542 |
| Tier 1 risk-based capital ratio | 32.7581% | 421 |
| Total risk-based capital ratio | 33.8766% | 416 |
| Memoranda: | ||
| Average total assets | $26,569,000 | 6,786 |
| Average earning assets | $24,778,000 | 6,752 |
| Average equity | $4,087,000 | 6,494 |
| Average total loans | $14,390,500 | 6,609 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1851% | 4,648 |
| Cost of funding earning assets | 1.4003% | 254 |
| Net interest margin | 2.7847% | 6,398 |
| Noninterest income to average assets | 0.1246% | 6,412 |
| Noninterest expense to average assets | 2.1468% | 6,032 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3949% | 5,118 |
| Return on assets (ROA) | 0.2052% | 5,953 |
| Pretax return on assets | 0.2784% | 5,859 |
| Return on Equity (ROE) | 1.3873% | 6,044 |
| Retained earnings to average equity (ytd only) | 1.3873% | 5,184 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0546% | 2,136 |
| Assets per employee ($millions) | 6.5920% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 6,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 54.8127% | 4,486 |
| Net loans and leases to deposits | 66.4964% | 4,205 |
| Net loans and leases to core deposits | 68.4198% | 4,493 |
| Total domestic deposits to total assets | 82.4295% | 4,954 |
| Equity capital to assets | 15.4998% | 634 |
| Core capital (leverage) ratio | 15.4885% | 509 |
| Tier 1 risk-based capital ratio | 31.8267% | 437 |
| Total risk-based capital ratio | 32.9177% | 436 |
| Memoranda: | ||
| Average total assets | $27,296,800 | 6,815 |
| Average earning assets | $25,065,200 | 6,783 |
| Average equity | $4,036,600 | 6,556 |
| Average total loans | $15,603,400 | 6,624 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 4,705 |
| Cost of funding earning assets | 1.4634% | 237 |
| Net interest margin | 2.7678% | 6,555 |
| Noninterest income to average assets | 0.1259% | 6,505 |
| Noninterest expense to average assets | 2.1262% | 6,114 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3332% | 5,499 |
| Return on assets (ROA) | 0.1162% | 6,236 |
| Pretax return on assets | 0.1889% | 6,144 |
| Return on Equity (ROE) | 0.7952% | 6,285 |
| Retained earnings to average equity (ytd only) | 0.7952% | 5,841 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1095% | 2,081 |
| Assets per employee ($millions) | 6.7570% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 6,349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 56.2602% | 4,405 |
| Net loans and leases to deposits | 67.8506% | 4,208 |
| Net loans and leases to core deposits | 69.7395% | 4,528 |
| Total domestic deposits to total assets | 82.9177% | 4,672 |
| Equity capital to assets | 15.0363% | 815 |
| Core capital (leverage) ratio | 14.9954% | 607 |
| Tier 1 risk-based capital ratio | 30.3128% | 517 |
| Total risk-based capital ratio | 31.3604% | 517 |
| Memoranda: | ||
| Average total assets | $27,529,000 | 6,901 |
| Average earning assets | $25,146,000 | 6,871 |
| Average equity | $4,024,000 | 6,636 |
| Average total loans | $15,856,000 | 6,691 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2955% | 4,590 |
| Cost of funding earning assets | 1.5330% | 206 |
| Net interest margin | 2.7625% | 6,630 |
| Noninterest income to average assets | 0.1300% | 6,536 |
| Noninterest expense to average assets | 2.1303% | 6,175 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4405% | 5,077 |
| Return on assets (ROA) | 0.4405% | 5,304 |
| Pretax return on assets | 0.4983% | 5,437 |
| Return on Equity (ROE) | 3.0419% | 5,678 |
| Retained earnings to average equity (ytd only) | 3.0419% | 4,616 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0440% | 2,020 |
| Assets per employee ($millions) | 6.9780% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 6,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 54.9835% | 4,635 |
| Net loans and leases to deposits | 65.8330% | 4,525 |
| Net loans and leases to core deposits | 67.5782% | 4,841 |
| Total domestic deposits to total assets | 83.5196% | 4,520 |
| Equity capital to assets | 14.5063% | 918 |
| Core capital (leverage) ratio | 14.5063% | 693 |
| Tier 1 risk-based capital ratio | 29.6674% | 533 |
| Total risk-based capital ratio | 30.6931% | 532 |
| Memoranda: | ||
| Average total assets | $27,696,000 | 6,954 |
| Average earning assets | $25,049,330 | 6,926 |
| Average equity | $4,010,670 | 6,678 |
| Average total loans | $16,026,000 | 6,731 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3016% | 4,729 |
| Cost of funding earning assets | 1.6151% | 180 |
| Net interest margin | 2.6865% | 6,790 |
| Noninterest income to average assets | 0.1450% | 6,514 |
| Noninterest expense to average assets | 2.1894% | 6,070 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3335% | 5,538 |
| Return on assets (ROA) | 0.3335% | 5,711 |
| Pretax return on assets | 0.3915% | 5,748 |
| Return on Equity (ROE) | 2.3049% | 5,973 |
| Retained earnings to average equity (ytd only) | 2.3049% | 5,105 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8315% | 1,593 |
| Assets per employee ($millions) | 6.9965% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 6,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 55.2812% | 4,514 |
| Net loans and leases to deposits | 66.0364% | 4,371 |
| Net loans and leases to core deposits | 67.7631% | 4,708 |
| Total domestic deposits to total assets | 83.7133% | 4,631 |
| Equity capital to assets | 14.3322% | 913 |
| Core capital (leverage) ratio | 14.4715% | 696 |
| Tier 1 risk-based capital ratio | 29.4075% | 555 |
| Total risk-based capital ratio | 30.4240% | 555 |
| Memoranda: | ||
| Average total assets | $27,588,000 | 7,013 |
| Average earning assets | $25,014,000 | 6,980 |
| Average equity | $3,991,500 | 6,715 |
| Average total loans | $16,295,500 | 6,778 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5573% | 4,846 |
| Cost of funding earning assets | 1.7590% | 249 |
| Net interest margin | 2.7984% | 6,826 |
| Noninterest income to average assets | 0.0186% | 6,939 |
| Noninterest expense to average assets | 2.1784% | 6,315 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3340% | 5,133 |
| Return on assets (ROA) | -0.1559% | 6,280 |
| Pretax return on assets | -0.0520% | 6,174 |
| Return on Equity (ROE) | -1.0609% | 6,249 |
| Retained earnings to average equity (ytd only) | -1.0609% | 6,015 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2624% | 1,852 |
| Assets per employee ($millions) | 6.7975% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 6,692 |
| Loan loss allowance to noncurrent loans | 184.2105% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 6,264 |
| Noncurrent loans to loans | 0.4476% | 5,812 |
| Net loans and leases to total assets | 61.9345% | 3,612 |
| Net loans and leases to deposits | 74.2177% | 3,461 |
| Net loans and leases to core deposits | 74.2177% | 4,207 |
| Total domestic deposits to total assets | 83.4498% | 4,562 |
| Equity capital to assets | 14.6083% | 871 |
| Core capital (leverage) ratio | 14.6240% | 684 |
| Tier 1 risk-based capital ratio | 32.5344% | 404 |
| Total risk-based capital ratio | 33.6796% | 401 |
| Memoranda: | ||
| Average total assets | $26,946,800 | 7,051 |
| Average earning assets | $25,014,600 | 7,012 |
| Average equity | $3,959,000 | 6,760 |
| Average total loans | $17,287,400 | 6,790 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 4,973 |
| Cost of funding earning assets | 1.7802% | 282 |
| Net interest margin | 2.7959% | 6,887 |
| Noninterest income to average assets | -0.0298% | 7,138 |
| Noninterest expense to average assets | 2.1622% | 6,366 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3372% | 5,264 |
| Return on assets (ROA) | 0.3372% | 5,436 |
| Pretax return on assets | 0.4017% | 5,465 |
| Return on Equity (ROE) | 2.2919% | 5,679 |
| Retained earnings to average equity (ytd only) | 2.2919% | 4,976 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3327% | 1,700 |
| Assets per employee ($millions) | 6.8988% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8146% | 6,795 |
| Loan loss allowance to noncurrent loans | 181.8182% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 6,361 |
| Noncurrent loans to loans | 0.4480% | 5,949 |
| Net loans and leases to total assets | 61.7721% | 3,785 |
| Net loans and leases to deposits | 73.8722% | 3,672 |
| Net loans and leases to core deposits | 73.8722% | 4,463 |
| Total domestic deposits to total assets | 83.6202% | 4,419 |
| Equity capital to assets | 14.5099% | 986 |
| Core capital (leverage) ratio | 14.4727% | 777 |
| Tier 1 risk-based capital ratio | 32.1780% | 447 |
| Total risk-based capital ratio | 33.3065% | 445 |
| Memoranda: | ||
| Average total assets | $26,886,000 | 7,124 |
| Average earning assets | $24,941,000 | 7,087 |
| Average equity | $3,955,750 | 6,816 |
| Average total loans | $17,364,250 | 6,855 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5908% | 5,003 |
| Cost of funding earning assets | 1.8105% | 296 |
| Net interest margin | 2.7804% | 6,944 |
| Noninterest income to average assets | 0.0150% | 7,158 |
| Noninterest expense to average assets | 2.2439% | 6,260 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2852% | 5,429 |
| Return on assets (ROA) | 0.2852% | 5,564 |
| Pretax return on assets | 0.3527% | 5,536 |
| Return on Equity (ROE) | 1.9291% | 5,811 |
| Retained earnings to average equity (ytd only) | 1.9291% | 5,016 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4162% | 1,556 |
| Assets per employee ($millions) | 6.7898% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 6,857 |
| Loan loss allowance to noncurrent loans | 179.4872% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5891% | 5,742 |
| Noncurrent loans to loans | 0.4495% | 6,011 |
| Net loans and leases to total assets | 63.3823% | 3,602 |
| Net loans and leases to deposits | 75.9229% | 3,489 |
| Net loans and leases to core deposits | 75.9229% | 4,326 |
| Total domestic deposits to total assets | 83.4825% | 4,555 |
| Equity capital to assets | 14.5808% | 918 |
| Core capital (leverage) ratio | 14.6060% | 742 |
| Tier 1 risk-based capital ratio | 31.8817% | 455 |
| Total risk-based capital ratio | 33.0066% | 454 |
| Memoranda: | ||
| Average total assets | $26,649,670 | 7,195 |
| Average earning assets | $24,745,000 | 7,156 |
| Average equity | $3,939,670 | 6,862 |
| Average total loans | $17,423,670 | 6,920 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 4,833 |
| Cost of funding earning assets | 1.8643% | 294 |
| Net interest margin | 2.7638% | 6,957 |
| Noninterest income to average assets | 0.0455% | 7,154 |
| Noninterest expense to average assets | 2.3792% | 5,955 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1667% | 5,898 |
| Return on assets (ROA) | 0.1667% | 5,946 |
| Pretax return on assets | 0.2273% | 5,882 |
| Return on Equity (ROE) | 1.1197% | 6,097 |
| Retained earnings to average equity (ytd only) | 1.1197% | 5,375 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2791% | 1,219 |
| Assets per employee ($millions) | 6.6663% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 6,904 |
| Loan loss allowance to noncurrent loans | 177.2152% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 5,750 |
| Noncurrent loans to loans | 0.4555% | 6,101 |
| Net loans and leases to total assets | 64.5190% | 3,349 |
| Net loans and leases to deposits | 77.4780% | 3,159 |
| Net loans and leases to core deposits | 77.4780% | 4,097 |
| Total domestic deposits to total assets | 83.2740% | 4,804 |
| Equity capital to assets | 14.7422% | 824 |
| Core capital (leverage) ratio | 14.7709% | 700 |
| Tier 1 risk-based capital ratio | 31.9132% | 439 |
| Total risk-based capital ratio | 33.0471% | 440 |
| Memoranda: | ||
| Average total assets | $26,395,000 | 7,252 |
| Average earning assets | $24,459,500 | 7,213 |
| Average equity | $3,929,500 | 6,901 |
| Average total loans | $17,458,500 | 6,969 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 4,365 |
| Cost of funding earning assets | 2.2094% | 298 |
| Net interest margin | 2.8316% | 6,993 |
| Noninterest income to average assets | 0.1295% | 6,749 |
| Noninterest expense to average assets | 2.1742% | 6,683 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4199% | 4,465 |
| Return on assets (ROA) | 0.4199% | 4,591 |
| Pretax return on assets | 0.5808% | 4,381 |
| Return on Equity (ROE) | 2.7454% | 5,060 |
| Retained earnings to average equity (ytd only) | 2.7454% | 3,933 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9174% | 2,545 |
| Assets per employee ($millions) | 6.5313% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7967% | 6,973 |
| Loan loss allowance to noncurrent loans | 177.2152% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 5,765 |
| Noncurrent loans to loans | 0.4496% | 6,143 |
| Net loans and leases to total assets | 66.7292% | 3,294 |
| Net loans and leases to deposits | 80.4810% | 3,078 |
| Net loans and leases to core deposits | 89.2718% | 2,862 |
| Total domestic deposits to total assets | 82.9129% | 4,827 |
| Equity capital to assets | 15.0354% | 780 |
| Core capital (leverage) ratio | 15.0322% | 660 |
| Tier 1 risk-based capital ratio | 31.9294% | 428 |
| Total risk-based capital ratio | 33.0759% | 426 |
| Memoranda: | ||
| Average total assets | $25,481,200 | 7,333 |
| Average earning assets | $23,626,000 | 7,299 |
| Average equity | $3,897,400 | 7,029 |
| Average total loans | $18,394,400 | 7,006 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1115% | 4,260 |
| Cost of funding earning assets | 2.2459% | 325 |
| Net interest margin | 2.8656% | 7,054 |
| Noninterest income to average assets | 0.1790% | 6,600 |
| Noninterest expense to average assets | 2.1853% | 6,647 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4950% | 4,337 |
| Return on assets (ROA) | 0.4950% | 4,535 |
| Pretax return on assets | 0.6477% | 4,432 |
| Return on Equity (ROE) | 3.2221% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.2221% | 4,175 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1375% | 2,747 |
| Assets per employee ($millions) | 6.4728% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7578% | 7,091 |
| Loan loss allowance to noncurrent loans | 81.3953% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.6643% | 5,791 |
| Noncurrent loans to loans | 0.9310% | 5,376 |
| Net loans and leases to total assets | 70.8123% | 2,530 |
| Net loans and leases to deposits | 85.6289% | 2,421 |
| Net loans and leases to core deposits | 85.6289% | 3,711 |
| Total domestic deposits to total assets | 82.6967% | 4,718 |
| Equity capital to assets | 15.2254% | 840 |
| Core capital (leverage) ratio | 15.1303% | 690 |
| Tier 1 risk-based capital ratio | 31.2865% | 460 |
| Total risk-based capital ratio | 32.6377% | 448 |
| Memoranda: | ||
| Average total assets | $25,320,250 | 7,428 |
| Average earning assets | $23,449,750 | 7,398 |
| Average equity | $3,889,750 | 7,119 |
| Average total loans | $18,599,750 | 7,090 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2115% | 3,890 |
| Cost of funding earning assets | 2.3000% | 336 |
| Net interest margin | 2.9116% | 6,993 |
| Noninterest income to average assets | 0.1910% | 6,534 |
| Noninterest expense to average assets | 2.1966% | 6,656 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5332% | 4,183 |
| Return on assets (ROA) | 0.5332% | 4,333 |
| Pretax return on assets | 0.6844% | 4,291 |
| Return on Equity (ROE) | 3.4604% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.4604% | 3,901 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2431% | 3,033 |
| Assets per employee ($millions) | 6.4198% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 7,118 |
| Loan loss allowance to noncurrent loans | 81.8713% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 5,822 |
| Noncurrent loans to loans | 0.9302% | 5,432 |
| Net loans and leases to total assets | 71.0464% | 2,641 |
| Net loans and leases to deposits | 85.9067% | 2,515 |
| Net loans and leases to core deposits | 95.4584% | 2,513 |
| Total domestic deposits to total assets | 82.7018% | 4,694 |
| Equity capital to assets | 15.2342% | 833 |
| Core capital (leverage) ratio | 15.1351% | 698 |
| Tier 1 risk-based capital ratio | 31.1983% | 449 |
| Total risk-based capital ratio | 32.5645% | 437 |
| Memoranda: | ||
| Average total assets | $25,130,000 | 7,494 |
| Average earning assets | $23,217,670 | 7,467 |
| Average equity | $3,872,330 | 7,158 |
| Average total loans | $18,641,670 | 7,142 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3261% | 3,417 |
| Cost of funding earning assets | 2.3749% | 326 |
| Net interest margin | 2.9512% | 6,938 |
| Noninterest income to average assets | 0.2253% | 6,348 |
| Noninterest expense to average assets | 2.3496% | 6,252 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4667% | 4,546 |
| Return on assets (ROA) | 0.4667% | 4,677 |
| Pretax return on assets | 0.5954% | 4,620 |
| Return on Equity (ROE) | 3.0110% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.0110% | 4,330 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7814% | 2,600 |
| Assets per employee ($millions) | 6.2970% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7475% | 7,250 |
| Loan loss allowance to noncurrent loans | 82.3529% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.6749% | 5,827 |
| Noncurrent loans to loans | 0.9077% | 5,498 |
| Net loans and leases to total assets | 73.8010% | 2,014 |
| Net loans and leases to deposits | 89.3874% | 2,005 |
| Net loans and leases to core deposits | 97.4113% | 2,404 |
| Total domestic deposits to total assets | 82.5631% | 4,818 |
| Equity capital to assets | 15.3406% | 797 |
| Core capital (leverage) ratio | 15.2532% | 701 |
| Tier 1 risk-based capital ratio | 30.7828% | 486 |
| Total risk-based capital ratio | 32.1142% | 473 |
| Memoranda: | ||
| Average total assets | $24,855,500 | 7,594 |
| Average earning assets | $22,906,000 | 7,568 |
| Average equity | $3,852,500 | 7,232 |
| Average total loans | $18,770,500 | 7,226 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5091% | 4,098 |
| Cost of funding earning assets | 2.6386% | 693 |
| Net interest margin | 2.8704% | 6,914 |
| Noninterest income to average assets | 0.1238% | 7,134 |
| Noninterest expense to average assets | 2.3443% | 6,618 |
| Loan and lease loss provision to assets | 0.0619% | 6,946 |
| Net operating income to assets | 0.2807% | 4,605 |
| Return on assets (ROA) | 0.3673% | 4,360 |
| Pretax return on assets | 0.4912% | 4,207 |
| Return on Equity (ROE) | 2.3356% | 4,772 |
| Retained earnings to average equity (ytd only) | 2.3356% | 3,484 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2730% | 2,317 |
| Assets per employee ($millions) | 6.1308% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7442% | 7,278 |
| Loan loss allowance to noncurrent loans | 71.0660% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 5,499 |
| Noncurrent loans to loans | 1.0472% | 5,224 |
| Net loans and leases to total assets | 76.1408% | 1,755 |
| Net loans and leases to deposits | 92.6282% | 1,797 |
| Net loans and leases to core deposits | 113.1362% | 2,582 |
| Total domestic deposits to total assets | 82.2004% | 4,864 |
| Equity capital to assets | 15.6628% | 754 |
| Core capital (leverage) ratio | 15.5630% | 685 |
| Tier 1 risk-based capital ratio | 30.5131% | 494 |
| Total risk-based capital ratio | 31.8658% | 480 |
| Memoranda: | ||
| Average total assets | $24,228,600 | 7,662 |
| Average earning assets | $22,435,800 | 7,634 |
| Average equity | $3,810,600 | 7,351 |
| Average total loans | $17,945,200 | 7,316 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5127% | 4,353 |
| Cost of funding earning assets | 2.6730% | 859 |
| Net interest margin | 2.8397% | 6,989 |
| Noninterest income to average assets | 0.1214% | 7,285 |
| Noninterest expense to average assets | 2.3238% | 6,640 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3455% | 4,618 |
| Return on assets (ROA) | 0.4692% | 4,222 |
| Pretax return on assets | 0.5851% | 4,229 |
| Return on Equity (ROE) | 2.9800% | 4,806 |
| Retained earnings to average equity (ytd only) | 2.9800% | 3,664 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3687% | 2,254 |
| Assets per employee ($millions) | 6.2573% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6708% | 7,442 |
| Loan loss allowance to noncurrent loans | 33.5121% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 1.4903% | 4,141 |
| Noncurrent loans to loans | 2.0016% | 3,640 |
| Net loans and leases to total assets | 73.9542% | 2,535 |
| Net loans and leases to deposits | 89.6368% | 2,641 |
| Net loans and leases to core deposits | 108.6842% | 3,388 |
| Total domestic deposits to total assets | 82.5043% | 4,447 |
| Equity capital to assets | 15.3582% | 912 |
| Core capital (leverage) ratio | 15.2397% | 813 |
| Tier 1 risk-based capital ratio | 30.3845% | 547 |
| Total risk-based capital ratio | 31.6608% | 531 |
| Memoranda: | ||
| Average total assets | $24,155,000 | 7,737 |
| Average earning assets | $22,396,250 | 7,706 |
| Average equity | $3,803,000 | 7,414 |
| Average total loans | $17,728,500 | 7,389 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5312% | 4,436 |
| Cost of funding earning assets | 2.7160% | 993 |
| Net interest margin | 2.8152% | 6,984 |
| Noninterest income to average assets | 0.1173% | 7,399 |
| Noninterest expense to average assets | 2.3634% | 6,577 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2960% | 4,918 |
| Return on assets (ROA) | 0.4861% | 4,256 |
| Pretax return on assets | 0.6034% | 4,314 |
| Return on Equity (ROE) | 3.0612% | 4,873 |
| Retained earnings to average equity (ytd only) | 3.0612% | 3,610 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5031% | 2,179 |
| Assets per employee ($millions) | 6.1065% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6909% | 7,444 |
| Loan loss allowance to noncurrent loans | 36.3372% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 1.4083% | 4,143 |
| Noncurrent loans to loans | 1.9014% | 3,667 |
| Net loans and leases to total assets | 73.5569% | 2,828 |
| Net loans and leases to deposits | 89.4014% | 2,918 |
| Net loans and leases to core deposits | 108.0137% | 3,608 |
| Total domestic deposits to total assets | 82.2771% | 4,578 |
| Equity capital to assets | 15.5490% | 918 |
| Core capital (leverage) ratio | 15.4348% | 836 |
| Tier 1 risk-based capital ratio | 30.8278% | 552 |
| Total risk-based capital ratio | 32.1215% | 536 |
| Memoranda: | ||
| Average total assets | $23,863,670 | 7,821 |
| Average earning assets | $22,165,330 | 7,785 |
| Average equity | $3,789,330 | 7,478 |
| Average total loans | $17,426,330 | 7,465 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6176% | 4,254 |
| Cost of funding earning assets | 2.7813% | 1,023 |
| Net interest margin | 2.8362% | 6,909 |
| Noninterest income to average assets | 0.1018% | 7,528 |
| Noninterest expense to average assets | 2.3238% | 6,452 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3392% | 5,119 |
| Return on assets (ROA) | 0.3392% | 5,303 |
| Pretax return on assets | 0.4071% | 5,375 |
| Return on Equity (ROE) | 2.1136% | 5,732 |
| Retained earnings to average equity (ytd only) | 2.1136% | 4,691 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0932% | 2,185 |
| Assets per employee ($millions) | 5.9558% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7352% | 7,349 |
| Loan loss allowance to noncurrent loans | 108.6957% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 6,036 |
| Noncurrent loans to loans | 0.6764% | 5,714 |
| Net loans and leases to total assets | 70.8433% | 3,507 |
| Net loans and leases to deposits | 86.4246% | 3,562 |
| Net loans and leases to core deposits | 104.2176% | 4,117 |
| Total domestic deposits to total assets | 81.9712% | 4,561 |
| Equity capital to assets | 15.8922% | 891 |
| Core capital (leverage) ratio | 15.6479% | 835 |
| Tier 1 risk-based capital ratio | 32.2320% | 521 |
| Total risk-based capital ratio | 33.9143% | 496 |
| Memoranda: | ||
| Average total assets | $23,582,500 | 7,882 |
| Average earning assets | $21,860,000 | 7,844 |
| Average equity | $3,785,000 | 7,522 |
| Average total loans | $17,093,500 | 7,530 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9346% | 5,882 |
| Cost of funding earning assets | 3.1582% | 1,323 |
| Net interest margin | 2.7764% | 7,372 |
| Noninterest income to average assets | 0.1536% | 7,325 |
| Noninterest expense to average assets | 2.2954% | 6,717 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3555% | 5,331 |
| Return on assets (ROA) | 0.3555% | 5,130 |
| Pretax return on assets | 0.4433% | 5,146 |
| Return on Equity (ROE) | 2.1450% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.1450% | 3,898 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8141% | 2,077 |
| Assets per employee ($millions) | 5.8355% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7274% | 7,356 |
| Loan loss allowance to noncurrent loans | 150.6024% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 6,172 |
| Noncurrent loans to loans | 0.4830% | 5,895 |
| Net loans and leases to total assets | 73.0871% | 3,340 |
| Net loans and leases to deposits | 89.5303% | 3,530 |
| Net loans and leases to core deposits | 107.0868% | 4,069 |
| Total domestic deposits to total assets | 81.6340% | 4,354 |
| Equity capital to assets | 16.2111% | 895 |
| Core capital (leverage) ratio | 15.9410% | 840 |
| Tier 1 risk-based capital ratio | 32.2915% | 536 |
| Total risk-based capital ratio | 34.0327% | 503 |
| Memoranda: | ||
| Average total assets | $22,784,800 | 7,920 |
| Average earning assets | $21,214,400 | 7,887 |
| Average equity | $3,776,200 | 7,586 |
| Average total loans | $17,053,200 | 7,521 |