Home > First Federal Savings & Loan Association of Ravenswood > Performance and Condition Ratios
First Federal Savings & Loan Association of Ravenswood, 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 | 4.7761% | 2,521 |
| Cost of funding earning assets | 2.1819% | 667 |
| Net interest margin | 2.5942% | 3,970 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 2.2306% | 3,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2710% | 4,068 |
| Return on assets (ROA) | 0.2710% | 4,073 |
| Pretax return on assets | 0.3502% | 4,037 |
| Return on Equity (ROE) | 2.4500% | 4,103 |
| Retained earnings to average equity (ytd only) | 2.4486% | 3,463 |
| 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 | 86.4297% | 538 |
| Assets per employee ($millions) | 6.0810% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6000% | 4,247 |
| Loan loss allowance to noncurrent loans | 43.0657% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.1265% | 407 |
| Noncurrent loans to loans | 1.3931% | 500 |
| Net loans and leases to total assets | 80.3700% | 600 |
| Net loans and leases to deposits | 90.5218% | 1,226 |
| Net loans and leases to core deposits | 103.1499% | 1,266 |
| Total domestic deposits to total assets | 88.7900% | 1,125 |
| Equity capital to assets | 11.0056% | 1,478 |
| Core capital (leverage) ratio | 10.9699% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5238% | 391 |
| Memoranda: | ||
| Average total assets | $23,985,000 | 4,506 |
| Average earning assets | $23,282,600 | 4,460 |
| Average equity | $2,654,600 | 4,447 |
| Average total loans | $19,674,000 | 4,297 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 2,509 |
| Cost of funding earning assets | 1.9725% | 738 |
| Net interest margin | 2.7086% | 3,872 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 2.2314% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3682% | 4,013 |
| Return on assets (ROA) | 0.3682% | 4,016 |
| Pretax return on assets | 0.4742% | 3,946 |
| Return on Equity (ROE) | 3.3200% | 4,072 |
| Retained earnings to average equity (ytd only) | 3.3219% | 3,438 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.4742% | 700 |
| Assets per employee ($millions) | 6.0445% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5902% | 4,282 |
| Loan loss allowance to noncurrent loans | 47.7733% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.0216% | 496 |
| Noncurrent loans to loans | 1.2355% | 629 |
| Net loans and leases to total assets | 82.2000% | 419 |
| Net loans and leases to deposits | 93.4368% | 943 |
| Net loans and leases to core deposits | 105.0701% | 1,060 |
| Total domestic deposits to total assets | 87.9700% | 1,583 |
| Equity capital to assets | 11.0803% | 1,318 |
| Core capital (leverage) ratio | 11.1597% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1722% | 425 |
| Memoranda: | ||
| Average total assets | $23,900,250 | 4,534 |
| Average earning assets | $23,185,000 | 4,489 |
| Average equity | $2,649,000 | 4,469 |
| Average total loans | $19,675,500 | 4,315 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5666% | 2,492 |
| Cost of funding earning assets | 1.6724% | 928 |
| Net interest margin | 2.8942% | 3,655 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 2.2682% | 2,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4704% | 3,874 |
| Return on assets (ROA) | 0.4704% | 3,876 |
| Pretax return on assets | 0.6048% | 3,792 |
| Return on Equity (ROE) | 4.2400% | 3,999 |
| Retained earnings to average equity (ytd only) | 4.2440% | 3,147 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.9474% | 922 |
| Assets per employee ($millions) | 5.8960% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6014% | 4,302 |
| Loan loss allowance to noncurrent loans | 63.7838% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.7844% | 650 |
| Noncurrent loans to loans | 0.9429% | 810 |
| Net loans and leases to total assets | 82.7000% | 350 |
| Net loans and leases to deposits | 93.5306% | 906 |
| Net loans and leases to core deposits | 105.4444% | 1,004 |
| Total domestic deposits to total assets | 88.4200% | 1,454 |
| Equity capital to assets | 11.3085% | 1,268 |
| Core capital (leverage) ratio | 11.2513% | 1,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6984% | 401 |
| Memoranda: | ||
| Average total assets | $23,807,667 | 4,560 |
| Average earning assets | $23,080,667 | 4,519 |
| Average equity | $2,639,000 | 4,498 |
| Average total loans | $19,570,000 | 4,334 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 2,456 |
| Cost of funding earning assets | 1.5178% | 815 |
| Net interest margin | 2.9149% | 3,770 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 2.3245% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4515% | 4,001 |
| Return on assets (ROA) | 0.4515% | 3,952 |
| Pretax return on assets | 0.5686% | 3,891 |
| Return on Equity (ROE) | 4.1100% | 4,023 |
| Retained earnings to average equity (ytd only) | 4.1143% | 3,244 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.3468% | 802 |
| Assets per employee ($millions) | 5.9473% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6069% | 4,347 |
| Loan loss allowance to noncurrent loans | 92.9134% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.5339% | 967 |
| Noncurrent loans to loans | 0.6532% | 1,153 |
| Net loans and leases to total assets | 81.2400% | 436 |
| Net loans and leases to deposits | 92.0987% | 909 |
| Net loans and leases to core deposits | 100.8769% | 1,052 |
| Total domestic deposits to total assets | 88.2100% | 1,852 |
| Equity capital to assets | 11.0892% | 1,309 |
| Core capital (leverage) ratio | 11.1544% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1032% | 431 |
| Memoranda: | ||
| Average total assets | $23,919,500 | 4,616 |
| Average earning assets | $23,191,000 | 4,580 |
| Average equity | $2,625,000 | 4,563 |
| Average total loans | $19,544,500 | 4,394 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 1,581 |
| Cost of funding earning assets | 0.6627% | 684 |
| Net interest margin | 3.3900% | 2,292 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 2.1087% | 3,266 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9160% | 2,891 |
| Return on assets (ROA) | 0.9160% | 2,837 |
| Pretax return on assets | 1.1888% | 2,475 |
| Return on Equity (ROE) | 9.4300% | 2,988 |
| Retained earnings to average equity (ytd only) | 9.4332% | 1,342 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.9480% | 2,499 |
| Assets per employee ($millions) | 6.0125% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6007% | 4,336 |
| Loan loss allowance to noncurrent loans | 60.8247% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.8067% | 585 |
| Noncurrent loans to loans | 0.9875% | 744 |
| Net loans and leases to total assets | 81.1900% | 483 |
| Net loans and leases to deposits | 91.3416% | 957 |
| Net loans and leases to core deposits | 99.7242% | 1,018 |
| Total domestic deposits to total assets | 88.8900% | 1,748 |
| Equity capital to assets | 10.8607% | 1,318 |
| Core capital (leverage) ratio | 10.1335% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7946% | 431 |
| Memoranda: | ||
| Average total assets | $25,655,200 | 4,642 |
| Average earning assets | $24,896,400 | 4,600 |
| Average equity | $2,491,200 | 4,647 |
| Average total loans | $19,375,800 | 4,422 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 1,329 |
| Cost of funding earning assets | 0.6326% | 368 |
| Net interest margin | 3.3369% | 2,179 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 2.0928% | 3,225 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9057% | 2,846 |
| Return on assets (ROA) | 0.9057% | 2,823 |
| Pretax return on assets | 1.1769% | 2,465 |
| Return on Equity (ROE) | 9.5900% | 2,848 |
| Retained earnings to average equity (ytd only) | 9.5894% | 1,460 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.0063% | 2,554 |
| Assets per employee ($millions) | 6.2198% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6006% | 4,381 |
| Loan loss allowance to noncurrent loans | 51.9824% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 517 |
| Noncurrent loans to loans | 1.1553% | 641 |
| Net loans and leases to total assets | 78.5000% | 665 |
| Net loans and leases to deposits | 87.9888% | 1,036 |
| Net loans and leases to core deposits | 90.3163% | 1,277 |
| Total domestic deposits to total assets | 89.2200% | 1,992 |
| Equity capital to assets | 10.2657% | 1,479 |
| Core capital (leverage) ratio | 9.9536% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4978% | 464 |
| Memoranda: | ||
| Average total assets | $26,056,500 | 4,673 |
| Average earning assets | $25,292,250 | 4,633 |
| Average equity | $2,461,000 | 4,688 |
| Average total loans | $19,308,500 | 4,457 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 1,151 |
| Cost of funding earning assets | 0.6467% | 214 |
| Net interest margin | 3.2334% | 2,100 |
| Noninterest income to average assets | 0.0302% | 4,681 |
| Noninterest expense to average assets | 2.0719% | 3,229 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8394% | 2,822 |
| Return on assets (ROA) | 0.8394% | 2,793 |
| Pretax return on assets | 1.0964% | 2,425 |
| Return on Equity (ROE) | 9.1358% | 2,655 |
| Retained earnings to average equity (ytd only) | 9.1358% | 1,246 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3938% | 2,599 |
| Assets per employee ($millions) | 8.8230% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6202% | 4,443 |
| Loan loss allowance to noncurrent loans | 39.7306% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.1221% | 394 |
| Noncurrent loans to loans | 1.5610% | 472 |
| Net loans and leases to total assets | 71.4345% | 1,169 |
| Net loans and leases to deposits | 79.0964% | 1,460 |
| Net loans and leases to core deposits | 81.0320% | 1,654 |
| Total domestic deposits to total assets | 90.3132% | 1,575 |
| Equity capital to assets | 9.3997% | 2,097 |
| Core capital (leverage) ratio | 9.3612% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7617% | 433 |
| Memoranda: | ||
| Average total assets | $26,449,000 | 4,706 |
| Average earning assets | $25,669,667 | 4,676 |
| Average equity | $2,430,000 | 4,719 |
| Average total loans | $19,195,333 | 4,517 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8699% | 970 |
| Cost of funding earning assets | 0.6683% | 183 |
| Net interest margin | 3.2016% | 1,878 |
| Noninterest income to average assets | 0.0303% | 4,703 |
| Noninterest expense to average assets | 2.1937% | 2,855 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7262% | 2,956 |
| Return on assets (ROA) | 0.7262% | 2,944 |
| Pretax return on assets | 0.9531% | 2,594 |
| Return on Equity (ROE) | 7.9967% | 2,695 |
| Retained earnings to average equity (ytd only) | 7.9967% | 1,586 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7115% | 2,272 |
| Assets per employee ($millions) | 8.8587% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6149% | 4,498 |
| Loan loss allowance to noncurrent loans | 122.9167% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 1,667 |
| Noncurrent loans to loans | 0.5003% | 1,774 |
| Net loans and leases to total assets | 71.7602% | 855 |
| Net loans and leases to deposits | 79.4029% | 1,188 |
| Net loans and leases to core deposits | 81.3366% | 1,397 |
| Total domestic deposits to total assets | 90.3748% | 1,343 |
| Equity capital to assets | 9.1248% | 2,607 |
| Core capital (leverage) ratio | 9.1527% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8762% | 501 |
| Memoranda: | ||
| Average total assets | $26,439,000 | 4,729 |
| Average earning assets | $25,737,000 | 4,698 |
| Average equity | $2,401,000 | 4,746 |
| Average total loans | $19,280,000 | 4,534 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0082% | 1,341 |
| Cost of funding earning assets | 0.8459% | 156 |
| Net interest margin | 3.1623% | 2,700 |
| Noninterest income to average assets | 0.0229% | 4,766 |
| Noninterest expense to average assets | 2.1206% | 3,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7413% | 3,514 |
| Return on assets (ROA) | 0.7413% | 3,576 |
| Pretax return on assets | 0.9591% | 3,362 |
| Return on Equity (ROE) | 8.5125% | 3,077 |
| Retained earnings to average equity (ytd only) | 8.5125% | 1,339 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8586% | 1,874 |
| Assets per employee ($millions) | 6.5755% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6092% | 4,538 |
| Loan loss allowance to noncurrent loans | 94.4000% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 1,395 |
| Noncurrent loans to loans | 0.6453% | 1,545 |
| Net loans and leases to total assets | 73.1998% | 733 |
| Net loans and leases to deposits | 80.6814% | 1,160 |
| Net loans and leases to core deposits | 82.6593% | 1,408 |
| Total domestic deposits to total assets | 90.7269% | 613 |
| Equity capital to assets | 9.0373% | 3,583 |
| Core capital (leverage) ratio | 8.9623% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3437% | 529 |
| Memoranda: | ||
| Average total assets | $26,171,600 | 4,769 |
| Average earning assets | $25,298,400 | 4,741 |
| Average equity | $2,279,000 | 4,796 |
| Average total loans | $19,879,200 | 4,568 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1000% | 1,304 |
| Cost of funding earning assets | 0.8835% | 168 |
| Net interest margin | 3.2165% | 2,681 |
| Noninterest income to average assets | 0.0255% | 4,840 |
| Noninterest expense to average assets | 2.1423% | 3,241 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7600% | 3,625 |
| Return on assets (ROA) | 0.7600% | 3,690 |
| Pretax return on assets | 0.9845% | 3,506 |
| Return on Equity (ROE) | 8.8118% | 3,163 |
| Retained earnings to average equity (ytd only) | 8.8118% | 1,763 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5155% | 1,755 |
| Assets per employee ($millions) | 6.5545% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6082% | 4,627 |
| Loan loss allowance to noncurrent loans | 193.4426% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 2,611 |
| Noncurrent loans to loans | 0.3144% | 2,655 |
| Net loans and leases to total assets | 73.5487% | 727 |
| Net loans and leases to deposits | 81.1642% | 1,176 |
| Net loans and leases to core deposits | 83.1594% | 1,483 |
| Total domestic deposits to total assets | 90.6171% | 497 |
| Equity capital to assets | 8.8947% | 3,930 |
| Core capital (leverage) ratio | 8.8891% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8310% | 615 |
| Memoranda: | ||
| Average total assets | $26,139,000 | 4,842 |
| Average earning assets | $25,202,500 | 4,817 |
| Average equity | $2,254,500 | 4,871 |
| Average total loans | $20,006,250 | 4,635 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 1,422 |
| Cost of funding earning assets | 0.9486% | 141 |
| Net interest margin | 3.1147% | 2,995 |
| Noninterest income to average assets | 0.0230% | 4,884 |
| Noninterest expense to average assets | 2.1063% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7200% | 3,713 |
| Return on assets (ROA) | 0.7200% | 3,776 |
| Pretax return on assets | 0.9344% | 3,585 |
| Return on Equity (ROE) | 8.4355% | 3,275 |
| Retained earnings to average equity (ytd only) | 8.4355% | 1,918 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2695% | 1,728 |
| Assets per employee ($millions) | 6.5130% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5873% | 4,670 |
| Loan loss allowance to noncurrent loans | 190.3226% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 2,742 |
| Noncurrent loans to loans | 0.3086% | 2,821 |
| Net loans and leases to total assets | 76.6736% | 530 |
| Net loans and leases to deposits | 84.2827% | 1,043 |
| Net loans and leases to core deposits | 86.3597% | 1,391 |
| Total domestic deposits to total assets | 90.9719% | 385 |
| Equity capital to assets | 8.7402% | 4,018 |
| Core capital (leverage) ratio | 8.6764% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5308% | 1,029 |
| Memoranda: | ||
| Average total assets | $26,112,667 | 4,874 |
| Average earning assets | $25,299,333 | 4,848 |
| Average equity | $2,228,667 | 4,910 |
| Average total loans | $20,208,000 | 4,662 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0407% | 1,529 |
| Cost of funding earning assets | 1.0575% | 104 |
| Net interest margin | 2.9832% | 3,304 |
| Noninterest income to average assets | 0.0306% | 4,889 |
| Noninterest expense to average assets | 2.0503% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6579% | 3,803 |
| Return on assets (ROA) | 0.6579% | 3,878 |
| Pretax return on assets | 0.8721% | 3,665 |
| Return on Equity (ROE) | 7.8022% | 3,388 |
| Retained earnings to average equity (ytd only) | 7.8022% | 2,313 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1571% | 1,676 |
| Assets per employee ($millions) | 6.6140% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5816% | 4,702 |
| Loan loss allowance to noncurrent loans | 118.0000% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 2,287 |
| Noncurrent loans to loans | 0.4929% | 2,377 |
| Net loans and leases to total assets | 76.2398% | 609 |
| Net loans and leases to deposits | 83.7520% | 1,175 |
| Net loans and leases to core deposits | 85.7823% | 1,539 |
| Total domestic deposits to total assets | 91.0304% | 386 |
| Equity capital to assets | 8.4140% | 4,188 |
| Core capital (leverage) ratio | 8.4643% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8694% | 805 |
| Memoranda: | ||
| Average total assets | $26,143,000 | 4,900 |
| Average earning assets | $25,342,000 | 4,872 |
| Average equity | $2,204,500 | 4,937 |
| Average total loans | $20,265,500 | 4,687 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 1,512 |
| Cost of funding earning assets | 1.4635% | 97 |
| Net interest margin | 2.9604% | 3,985 |
| Noninterest income to average assets | 0.0161% | 4,925 |
| Noninterest expense to average assets | 2.1684% | 3,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5804% | 3,811 |
| Return on assets (ROA) | 0.5804% | 3,918 |
| Pretax return on assets | 0.7013% | 3,877 |
| Return on Equity (ROE) | 6.8311% | 3,269 |
| Retained earnings to average equity (ytd only) | 6.8311% | 1,452 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5618% | 1,286 |
| Assets per employee ($millions) | 6.4575% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5829% | 4,721 |
| Loan loss allowance to noncurrent loans | 116.8317% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3910% | 2,421 |
| Noncurrent loans to loans | 0.4989% | 2,476 |
| Net loans and leases to total assets | 77.9133% | 610 |
| Net loans and leases to deposits | 85.3043% | 1,311 |
| Net loans and leases to core deposits | 88.4266% | 1,650 |
| Total domestic deposits to total assets | 91.3357% | 154 |
| Equity capital to assets | 8.4514% | 4,483 |
| Core capital (leverage) ratio | 8.7909% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5047% | 835 |
| Memoranda: | ||
| Average total assets | $24,811,200 | 4,913 |
| Average earning assets | $23,915,800 | 4,890 |
| Average equity | $2,108,000 | 4,964 |
| Average total loans | $20,541,600 | 4,702 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 1,580 |
| Cost of funding earning assets | 1.5269% | 108 |
| Net interest margin | 2.9693% | 4,048 |
| Noninterest income to average assets | 0.0163% | 4,958 |
| Noninterest expense to average assets | 2.1718% | 3,745 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5972% | 3,777 |
| Return on assets (ROA) | 0.5972% | 3,874 |
| Pretax return on assets | 0.7058% | 3,888 |
| Return on Equity (ROE) | 7.0199% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.0199% | 1,681 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4717% | 1,255 |
| Assets per employee ($millions) | 6.3663% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5794% | 4,750 |
| Loan loss allowance to noncurrent loans | 190.3226% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 3,215 |
| Noncurrent loans to loans | 0.3044% | 3,193 |
| Net loans and leases to total assets | 79.5170% | 653 |
| Net loans and leases to deposits | 87.4158% | 1,547 |
| Net loans and leases to core deposits | 90.6482% | 1,917 |
| Total domestic deposits to total assets | 90.9641% | 181 |
| Equity capital to assets | 8.4390% | 4,495 |
| Core capital (leverage) ratio | 8.5793% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1677% | 888 |
| Memoranda: | ||
| Average total assets | $24,556,500 | 4,947 |
| Average earning assets | $23,663,750 | 4,924 |
| Average equity | $2,089,250 | 4,996 |
| Average total loans | $20,616,250 | 4,733 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5225% | 1,854 |
| Cost of funding earning assets | 1.5987% | 116 |
| Net interest margin | 2.9238% | 4,271 |
| Noninterest income to average assets | 0.0165% | 4,977 |
| Noninterest expense to average assets | 2.1852% | 3,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4865% | 4,052 |
| Return on assets (ROA) | 0.4865% | 4,124 |
| Pretax return on assets | 0.6514% | 3,968 |
| Return on Equity (ROE) | 5.7023% | 3,603 |
| Retained earnings to average equity (ytd only) | 5.7023% | 2,194 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0349% | 1,149 |
| Assets per employee ($millions) | 6.1030% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5748% | 4,770 |
| Loan loss allowance to noncurrent loans | 190.3226% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 3,297 |
| Noncurrent loans to loans | 0.3020% | 3,307 |
| Net loans and leases to total assets | 83.6146% | 283 |
| Net loans and leases to deposits | 91.7806% | 1,183 |
| Net loans and leases to core deposits | 95.3208% | 1,632 |
| Total domestic deposits to total assets | 91.1027% | 131 |
| Equity capital to assets | 8.5941% | 4,421 |
| Core capital (leverage) ratio | 8.5883% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5635% | 965 |
| Memoranda: | ||
| Average total assets | $24,253,667 | 4,978 |
| Average earning assets | $23,394,333 | 4,956 |
| Average equity | $2,069,333 | 5,030 |
| Average total loans | $20,699,333 | 4,758 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 2,073 |
| Cost of funding earning assets | 1.6519% | 157 |
| Net interest margin | 2.9253% | 4,394 |
| Noninterest income to average assets | 0.0331% | 4,998 |
| Noninterest expense to average assets | 2.1841% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5295% | 3,816 |
| Return on assets (ROA) | 0.5295% | 3,875 |
| Pretax return on assets | 0.6619% | 3,787 |
| Return on Equity (ROE) | 6.2287% | 3,229 |
| Retained earnings to average equity (ytd only) | 6.2287% | 1,795 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7442% | 1,483 |
| Assets per employee ($millions) | 6.0218% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5717% | 4,800 |
| 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 | 85.1995% | 189 |
| Net loans and leases to deposits | 93.9523% | 1,084 |
| Net loans and leases to core deposits | 97.6076% | 1,674 |
| Total domestic deposits to total assets | 90.6838% | 152 |
| Equity capital to assets | 8.5980% | 4,792 |
| Core capital (leverage) ratio | 7.5575% | 5,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0362% | 1,592 |
| Memoranda: | ||
| Average total assets | $24,174,500 | 5,025 |
| Average earning assets | $23,245,500 | 5,005 |
| Average equity | $2,055,000 | 5,079 |
| Average total loans | $20,784,000 | 4,791 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8030% | 2,034 |
| Cost of funding earning assets | 1.7572% | 164 |
| Net interest margin | 3.0458% | 4,458 |
| Noninterest income to average assets | 0.0334% | 5,069 |
| Noninterest expense to average assets | 2.1823% | 4,195 |
| Loan and lease loss provision to assets | 0.2796% | 624 |
| Net operating income to assets | 0.3338% | 4,705 |
| Return on assets (ROA) | 0.3338% | 4,732 |
| Pretax return on assets | 0.5007% | 4,579 |
| Return on Equity (ROE) | 3.9565% | 4,470 |
| Retained earnings to average equity (ytd only) | 3.9565% | 2,983 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6620% | 1,647 |
| Assets per employee ($millions) | 6.0655% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5638% | 4,798 |
| 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 | 85.7720% | 178 |
| Net loans and leases to deposits | 93.9291% | 1,161 |
| Net loans and leases to core deposits | 97.5347% | 1,771 |
| Total domestic deposits to total assets | 91.3156% | 85 |
| Equity capital to assets | 8.4041% | 4,950 |
| Core capital (leverage) ratio | 7.3185% | 5,114 |
| Tier 1 risk-based capital ratio | 14.5632% | 2,981 |
| Total risk-based capital ratio | 15.5302% | 3,045 |
| Memoranda: | ||
| Average total assets | $23,965,000 | 5,083 |
| Average earning assets | $23,048,000 | 5,063 |
| Average equity | $2,022,000 | 5,137 |
| Average total loans | $20,678,600 | 4,852 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8432% | 1,992 |
| Cost of funding earning assets | 1.7459% | 171 |
| Net interest margin | 3.0973% | 4,479 |
| Noninterest income to average assets | 0.0447% | 5,122 |
| Noninterest expense to average assets | 2.2100% | 4,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6362% | 4,197 |
| Return on assets (ROA) | 0.6362% | 4,246 |
| Pretax return on assets | 0.8148% | 4,088 |
| Return on Equity (ROE) | 7.5331% | 3,494 |
| Retained earnings to average equity (ytd only) | 7.5331% | 1,604 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0627% | 1,690 |
| Assets per employee ($millions) | 6.2988% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2397% | 5,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 84.2628% | 324 |
| Net loans and leases to deposits | 92.5861% | 1,361 |
| Net loans and leases to core deposits | 97.1180% | 1,892 |
| Total domestic deposits to total assets | 91.0101% | 100 |
| Equity capital to assets | 8.2278% | 5,084 |
| Core capital (leverage) ratio | 7.3320% | 5,204 |
| Tier 1 risk-based capital ratio | 14.0079% | 3,328 |
| Total risk-based capital ratio | 14.4030% | 3,673 |
| Memoranda: | ||
| Average total assets | $23,890,750 | 5,162 |
| Average earning assets | $22,987,000 | 5,141 |
| Average equity | $2,017,750 | 5,213 |
| Average total loans | $20,616,250 | 4,923 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8998% | 1,754 |
| Cost of funding earning assets | 1.6746% | 199 |
| Net interest margin | 3.2252% | 4,302 |
| Noninterest income to average assets | 0.0512% | 5,161 |
| Noninterest expense to average assets | 2.2766% | 4,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6907% | 4,033 |
| Return on assets (ROA) | 0.6907% | 4,094 |
| Pretax return on assets | 0.8782% | 3,912 |
| Return on Equity (ROE) | 8.1027% | 3,246 |
| Retained earnings to average equity (ytd only) | 8.1027% | 1,348 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1622% | 1,896 |
| Assets per employee ($millions) | 6.1058% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2394% | 5,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 87.0204% | 153 |
| Net loans and leases to deposits | 95.2964% | 1,115 |
| Net loans and leases to core deposits | 100.0989% | 1,715 |
| Total domestic deposits to total assets | 91.3156% | 73 |
| Equity capital to assets | 8.3528% | 5,094 |
| Core capital (leverage) ratio | 7.4414% | 5,235 |
| Tier 1 risk-based capital ratio | 14.3053% | 3,160 |
| Total risk-based capital ratio | 14.7175% | 3,498 |
| Memoranda: | ||
| Average total assets | $23,456,000 | 5,213 |
| Average earning assets | $22,572,330 | 5,191 |
| Average equity | $1,999,330 | 5,256 |
| Average total loans | $20,394,670 | 4,971 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8853% | 1,632 |
| Cost of funding earning assets | 1.6284% | 206 |
| Net interest margin | 3.2569% | 4,262 |
| Noninterest income to average assets | 0.0522% | 5,205 |
| Noninterest expense to average assets | 2.3332% | 3,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6791% | 4,007 |
| Return on assets (ROA) | 0.6791% | 4,045 |
| Pretax return on assets | 0.8532% | 3,910 |
| Return on Equity (ROE) | 7.8828% | 3,316 |
| Retained earnings to average equity (ytd only) | 7.8828% | 1,709 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2240% | 1,855 |
| Assets per employee ($millions) | 5.9543% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2482% | 5,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 86.0604% | 183 |
| Net loans and leases to deposits | 97.6932% | 814 |
| Net loans and leases to core deposits | 100.1319% | 1,611 |
| Total domestic deposits to total assets | 88.0925% | 1,286 |
| Equity capital to assets | 8.3932% | 5,045 |
| Core capital (leverage) ratio | 7.5593% | 5,280 |
| Tier 1 risk-based capital ratio | 14.2774% | 3,205 |
| Total risk-based capital ratio | 14.6991% | 3,541 |
| Memoranda: | ||
| Average total assets | $22,972,500 | 5,272 |
| Average earning assets | $22,107,000 | 5,252 |
| Average equity | $1,979,000 | 5,312 |
| Average total loans | $19,940,000 | 5,041 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 1,292 |
| Cost of funding earning assets | 1.0435% | 627 |
| Net interest margin | 3.8550% | 2,482 |
| Noninterest income to average assets | 0.0000% | 5,351 |
| Noninterest expense to average assets | 2.7061% | 3,006 |
| Loan and lease loss provision to assets | 0.1078% | 2,041 |
| Net operating income to assets | 0.6521% | 4,275 |
| Return on assets (ROA) | 0.6521% | 4,287 |
| Pretax return on assets | 0.8473% | 4,044 |
| Return on Equity (ROE) | 6.7026% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.7026% | 1,820 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9130% | 1,634 |
| Assets per employee ($millions) | 5.5320% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2638% | 5,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 87.1339% | 162 |
| Net loans and leases to deposits | 99.1719% | 808 |
| Net loans and leases to core deposits | 100.4952% | 1,681 |
| Total domestic deposits to total assets | 87.8615% | 1,365 |
| Equity capital to assets | 8.8530% | 4,692 |
| Core capital (leverage) ratio | 7.8107% | 5,279 |
| Tier 1 risk-based capital ratio | 14.8093% | 2,921 |
| Total risk-based capital ratio | 15.2575% | 3,215 |
| Memoranda: | ||
| Average total assets | $19,474,200 | 5,348 |
| Average earning assets | $18,495,400 | 5,330 |
| Average equity | $1,894,800 | 5,364 |
| Average total loans | $17,540,600 | 5,136 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 1,084 |
| Cost of funding earning assets | 0.9209% | 836 |
| Net interest margin | 4.0130% | 1,918 |
| Noninterest income to average assets | 0.0000% | 5,427 |
| Noninterest expense to average assets | 2.7289% | 2,885 |
| Loan and lease loss provision to assets | 0.1489% | 1,332 |
| Net operating income to assets | 0.6946% | 4,239 |
| Return on assets (ROA) | 0.6946% | 4,247 |
| Pretax return on assets | 0.9214% | 3,946 |
| Return on Equity (ROE) | 6.9546% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.9546% | 2,147 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8284% | 1,913 |
| Assets per employee ($millions) | 5.1013% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2736% | 5,369 |
| 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 | 91.1002% | 44 |
| Net loans and leases to deposits | 111.7127% | 242 |
| Net loans and leases to core deposits | 111.7127% | 926 |
| Total domestic deposits to total assets | 81.5486% | 3,724 |
| Equity capital to assets | 9.4585% | 4,118 |
| Core capital (leverage) ratio | 8.4458% | 5,119 |
| Tier 1 risk-based capital ratio | 14.9300% | 2,916 |
| Total risk-based capital ratio | 15.3909% | 3,213 |
| Memoranda: | ||
| Average total assets | $18,810,750 | 5,422 |
| Average earning assets | $17,808,250 | 5,405 |
| Average equity | $1,878,750 | 5,438 |
| Average total loans | $17,092,750 | 5,206 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8721% | 1,084 |
| Cost of funding earning assets | 0.8428% | 950 |
| Net interest margin | 4.0293% | 1,764 |
| Noninterest income to average assets | 0.0109% | 5,469 |
| Noninterest expense to average assets | 2.7791% | 2,725 |
| Loan and lease loss provision to assets | 0.1751% | 1,040 |
| Net operating income to assets | 0.6455% | 4,362 |
| Return on assets (ROA) | 0.6455% | 4,368 |
| Pretax return on assets | 0.8753% | 4,037 |
| Return on Equity (ROE) | 6.3384% | 4,126 |
| Retained earnings to average equity (ytd only) | 6.3384% | 2,391 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5714% | 1,906 |
| Assets per employee ($millions) | 4.8470% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2661% | 5,433 |
| 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 | 88.9365% | 108 |
| Net loans and leases to deposits | 109.7162% | 290 |
| Net loans and leases to core deposits | 109.7162% | 1,018 |
| Total domestic deposits to total assets | 81.0604% | 3,977 |
| Equity capital to assets | 9.7535% | 3,868 |
| Core capital (leverage) ratio | 9.0080% | 4,681 |
| Tier 1 risk-based capital ratio | 15.9532% | 2,453 |
| Total risk-based capital ratio | 16.4090% | 2,717 |
| Memoranda: | ||
| Average total assets | $18,279,330 | 5,491 |
| Average earning assets | $17,323,000 | 5,475 |
| Average equity | $1,861,670 | 5,501 |
| Average total loans | $16,577,000 | 5,278 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8694% | 933 |
| Cost of funding earning assets | 0.8551% | 749 |
| Net interest margin | 4.0143% | 1,684 |
| Noninterest income to average assets | 0.0226% | 5,527 |
| Noninterest expense to average assets | 2.7306% | 2,940 |
| Loan and lease loss provision to assets | 0.1805% | 948 |
| Net operating income to assets | 0.6996% | 4,101 |
| Return on assets (ROA) | 0.6996% | 4,106 |
| Pretax return on assets | 0.9252% | 3,764 |
| Return on Equity (ROE) | 6.7136% | 3,905 |
| Retained earnings to average equity (ytd only) | 6.7136% | 2,406 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1765% | 2,313 |
| Assets per employee ($millions) | 4.4743% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2320% | 5,514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 3,556 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 91.3058% | 38 |
| Net loans and leases to deposits | 103.7326% | 493 |
| Net loans and leases to core deposits | 103.7326% | 1,394 |
| Total domestic deposits to total assets | 88.0203% | 1,607 |
| Equity capital to assets | 10.4096% | 3,163 |
| Core capital (leverage) ratio | 9.0374% | 4,641 |
| Tier 1 risk-based capital ratio | 16.4807% | 2,280 |
| Total risk-based capital ratio | 16.8770% | 2,564 |
| Memoranda: | ||
| Average total assets | $17,725,000 | 5,560 |
| Average earning assets | $16,840,000 | 5,545 |
| Average equity | $1,847,000 | 5,560 |
| Average total loans | $16,221,000 | 5,347 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 1,277 |
| Cost of funding earning assets | 0.7752% | 716 |
| Net interest margin | 3.8879% | 2,122 |
| Noninterest income to average assets | 0.0735% | 5,476 |
| Noninterest expense to average assets | 2.6845% | 3,181 |
| Loan and lease loss provision to assets | 0.2882% | 609 |
| Net operating income to assets | 0.5595% | 4,190 |
| Return on assets (ROA) | 0.5595% | 4,221 |
| Pretax return on assets | 0.7856% | 4,288 |
| Return on Equity (ROE) | 5.5775% | 3,933 |
| Retained earnings to average equity (ytd only) | 5.5775% | 1,785 |
| Net charge-offs to loans | 0.2831% | 927 |
| Credit loss provision to net charge-offs | 121.4286% | 2,153 |
| Earnings coverage of net charge-offs (x) | 4.5238% | 3,453 |
| Efficiency ratio | 71.4286% | 2,315 |
| Assets per employee ($millions) | 4.3883% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1868% | 5,582 |
| 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 | 91.3405% | 47 |
| Net loans and leases to deposits | 103.7533% | 503 |
| Net loans and leases to core deposits | 103.7533% | 1,428 |
| Total domestic deposits to total assets | 88.0362% | 1,478 |
| Equity capital to assets | 10.4313% | 3,233 |
| Core capital (leverage) ratio | 8.8794% | 4,778 |
| Tier 1 risk-based capital ratio | 16.5565% | 2,249 |
| Total risk-based capital ratio | 16.8763% | 2,512 |
| Memoranda: | ||
| Average total assets | $17,694,200 | 5,622 |
| Average earning assets | $16,769,800 | 5,606 |
| Average equity | $1,775,000 | 5,627 |
| Average total loans | $14,833,600 | 5,442 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 1,451 |
| Cost of funding earning assets | 0.7615% | 717 |
| Net interest margin | 3.8075% | 2,370 |
| Noninterest income to average assets | 0.4813% | 3,144 |
| Noninterest expense to average assets | 3.0607% | 1,921 |
| Loan and lease loss provision to assets | 0.3835% | 367 |
| Net operating income to assets | 0.4512% | 4,881 |
| Return on assets (ROA) | 0.4512% | 4,907 |
| Pretax return on assets | 0.6468% | 4,738 |
| Return on Equity (ROE) | 4.5429% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.5429% | 3,192 |
| Net charge-offs to loans | 0.3947% | 540 |
| Credit loss provision to net charge-offs | 118.6047% | 2,024 |
| Earnings coverage of net charge-offs (x) | 3.1861% | 3,371 |
| Efficiency ratio | 74.8162% | 1,772 |
| Assets per employee ($millions) | 4.4703% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1867% | 5,654 |
| 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 | 89.6818% | 95 |
| Net loans and leases to deposits | 106.3818% | 399 |
| Net loans and leases to core deposits | 106.3818% | 1,249 |
| Total domestic deposits to total assets | 84.3018% | 2,996 |
| Equity capital to assets | 10.0274% | 3,880 |
| Core capital (leverage) ratio | 8.6297% | 5,126 |
| Tier 1 risk-based capital ratio | 15.5089% | 2,700 |
| Total risk-based capital ratio | 15.8176% | 3,063 |
| Memoranda: | ||
| Average total assets | $17,729,500 | 5,687 |
| Average earning assets | $16,808,250 | 5,670 |
| Average equity | $1,761,000 | 5,694 |
| Average total loans | $14,526,250 | 5,507 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4790% | 1,573 |
| Cost of funding earning assets | 0.7644% | 636 |
| Net interest margin | 3.7146% | 2,600 |
| Noninterest income to average assets | 0.0453% | 5,659 |
| Noninterest expense to average assets | 3.1337% | 1,756 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3281% | 5,155 |
| Return on assets (ROA) | 0.3281% | 5,176 |
| Pretax return on assets | 0.4299% | 5,116 |
| Return on Equity (ROE) | 3.3137% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.3137% | 3,739 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9365% | 550 |
| Assets per employee ($millions) | 4.3040% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1459% | 5,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 4,431 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 87.4419% | 177 |
| Net loans and leases to deposits | 98.8249% | 822 |
| Net loans and leases to core deposits | 98.8249% | 1,745 |
| Total domestic deposits to total assets | 88.4816% | 1,213 |
| Equity capital to assets | 10.2347% | 3,635 |
| Core capital (leverage) ratio | 8.4985% | 5,218 |
| Tier 1 risk-based capital ratio | 16.0100% | 2,505 |
| Total risk-based capital ratio | 16.2488% | 2,861 |
| Memoranda: | ||
| Average total assets | $17,679,000 | 5,736 |
| Average earning assets | $16,744,670 | 5,721 |
| Average equity | $1,750,330 | 5,742 |
| Average total loans | $14,013,000 | 5,571 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1801% | 2,337 |
| Cost of funding earning assets | 0.7793% | 551 |
| Net interest margin | 3.4007% | 3,651 |
| Noninterest income to average assets | 0.0447% | 5,738 |
| Noninterest expense to average assets | 2.5013% | 3,799 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5137% | 4,545 |
| Return on assets (ROA) | 0.5137% | 4,575 |
| Pretax return on assets | 0.7593% | 4,254 |
| Return on Equity (ROE) | 5.2737% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.2737% | 2,747 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7123% | 1,803 |
| Assets per employee ($millions) | 5.9230% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1595% | 5,785 |
| 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 | 77.4833% | 1,201 |
| Net loans and leases to deposits | 86.4010% | 1,992 |
| Net loans and leases to core deposits | 87.9744% | 2,549 |
| Total domestic deposits to total assets | 89.6787% | 807 |
| Equity capital to assets | 9.8824% | 3,894 |
| Core capital (leverage) ratio | 8.2415% | 5,409 |
| Tier 1 risk-based capital ratio | 17.4753% | 2,036 |
| Total risk-based capital ratio | 17.7375% | 2,310 |
| Memoranda: | ||
| Average total assets | $17,910,500 | 5,804 |
| Average earning assets | $16,937,500 | 5,787 |
| Average equity | $1,744,500 | 5,807 |
| Average total loans | $13,481,500 | 5,647 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 2,366 |
| Cost of funding earning assets | 0.7817% | 550 |
| Net interest margin | 3.4539% | 3,614 |
| Noninterest income to average assets | 0.0230% | 5,818 |
| Noninterest expense to average assets | 2.5582% | 3,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5461% | 4,447 |
| Return on assets (ROA) | 0.5461% | 4,548 |
| Pretax return on assets | 0.7416% | 4,367 |
| Return on Equity (ROE) | 5.6393% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.6393% | 1,925 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5261% | 1,768 |
| Assets per employee ($millions) | 6.0173% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1670% | 5,838 |
| 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 | 72.8507% | 2,032 |
| Net loans and leases to deposits | 80.6859% | 2,820 |
| Net loans and leases to core deposits | 82.1219% | 3,203 |
| Total domestic deposits to total assets | 90.2892% | 523 |
| Equity capital to assets | 9.6000% | 4,169 |
| Core capital (leverage) ratio | 8.1753% | 5,518 |
| Tier 1 risk-based capital ratio | 17.3745% | 2,037 |
| Total risk-based capital ratio | 17.6400% | 2,329 |
| Memoranda: | ||
| Average total assets | $17,394,800 | 5,860 |
| Average earning assets | $16,503,200 | 5,844 |
| Average equity | $1,684,600 | 5,875 |
| Average total loans | $13,417,000 | 5,700 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 2,212 |
| Cost of funding earning assets | 0.7753% | 561 |
| Net interest margin | 3.5094% | 3,432 |
| Noninterest income to average assets | 0.0232% | 5,893 |
| Noninterest expense to average assets | 2.5923% | 3,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5649% | 4,435 |
| Return on assets (ROA) | 0.5649% | 4,538 |
| Pretax return on assets | 0.7583% | 4,445 |
| Return on Equity (ROE) | 5.8194% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.8194% | 2,290 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3672% | 1,783 |
| Assets per employee ($millions) | 5.9337% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1652% | 5,902 |
| 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 | 74.6812% | 1,759 |
| Net loans and leases to deposits | 82.9838% | 2,601 |
| Net loans and leases to core deposits | 84.4707% | 3,082 |
| Total domestic deposits to total assets | 89.9949% | 483 |
| Equity capital to assets | 9.6062% | 4,553 |
| Core capital (leverage) ratio | 8.0544% | 5,661 |
| Tier 1 risk-based capital ratio | 16.9157% | 2,253 |
| Total risk-based capital ratio | 17.1787% | 2,594 |
| Memoranda: | ||
| Average total assets | $17,230,500 | 5,927 |
| Average earning assets | $16,336,500 | 5,910 |
| Average equity | $1,672,500 | 5,942 |
| Average total loans | $13,478,000 | 5,760 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 2,089 |
| Cost of funding earning assets | 0.7676% | 578 |
| Net interest margin | 3.5534% | 3,282 |
| Noninterest income to average assets | 0.0000% | 5,999 |
| Noninterest expense to average assets | 2.6291% | 3,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5282% | 4,568 |
| Return on assets (ROA) | 0.5282% | 4,687 |
| Pretax return on assets | 0.7394% | 4,498 |
| Return on Equity (ROE) | 5.4217% | 4,321 |
| Retained earnings to average equity (ytd only) | 5.4217% | 2,470 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0488% | 1,783 |
| Assets per employee ($millions) | 5.9370% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1565% | 5,984 |
| 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 | 75.2344% | 1,610 |
| Net loans and leases to deposits | 83.2402% | 2,555 |
| Net loans and leases to core deposits | 86.0961% | 2,889 |
| Total domestic deposits to total assets | 90.3823% | 360 |
| Equity capital to assets | 9.4492% | 4,817 |
| Core capital (leverage) ratio | 8.2588% | 5,565 |
| Tier 1 risk-based capital ratio | 16.2330% | 2,534 |
| Total risk-based capital ratio | 16.4791% | 2,911 |
| Memoranda: | ||
| Average total assets | $17,040,330 | 6,005 |
| Average earning assets | $16,153,670 | 5,988 |
| Average equity | $1,660,000 | 6,018 |
| Average total loans | $13,532,000 | 5,829 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 1,996 |
| Cost of funding earning assets | 0.7614% | 601 |
| Net interest margin | 3.5785% | 3,171 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 2.7139% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4803% | 4,707 |
| Return on assets (ROA) | 0.4803% | 4,805 |
| Pretax return on assets | 0.6725% | 4,617 |
| Return on Equity (ROE) | 4.8529% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.8529% | 3,034 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1418% | 1,591 |
| Assets per employee ($millions) | 5.6263% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1559% | 6,051 |
| 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 | 79.6848% | 862 |
| Net loans and leases to deposits | 88.7496% | 1,730 |
| Net loans and leases to core deposits | 91.9721% | 2,185 |
| Total domestic deposits to total assets | 89.7861% | 686 |
| Equity capital to assets | 9.8288% | 4,304 |
| Core capital (leverage) ratio | 8.4178% | 5,468 |
| Tier 1 risk-based capital ratio | 16.1358% | 2,617 |
| Total risk-based capital ratio | 16.3817% | 3,031 |
| Memoranda: | ||
| Average total assets | $16,655,000 | 6,074 |
| Average earning assets | $15,761,000 | 6,054 |
| Average equity | $1,648,500 | 6,078 |
| Average total loans | $13,587,500 | 5,884 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 1,552 |
| Cost of funding earning assets | 0.8059% | 477 |
| Net interest margin | 3.7071% | 2,726 |
| Noninterest income to average assets | 0.0000% | 6,104 |
| Noninterest expense to average assets | 2.8399% | 3,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4997% | 4,696 |
| Return on assets (ROA) | 0.4997% | 4,789 |
| Pretax return on assets | 0.6643% | 4,637 |
| Return on Equity (ROE) | 5.1167% | 4,454 |
| Retained earnings to average equity (ytd only) | 5.1167% | 2,338 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0435% | 1,530 |
| Assets per employee ($millions) | 4.1078% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1532% | 6,100 |
| 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 | 83.2755% | 458 |
| Net loans and leases to deposits | 92.6217% | 1,333 |
| Net loans and leases to core deposits | 96.0750% | 1,842 |
| Total domestic deposits to total assets | 89.9093% | 669 |
| Equity capital to assets | 9.9690% | 3,997 |
| Core capital (leverage) ratio | 8.3282% | 5,583 |
| Tier 1 risk-based capital ratio | 15.5141% | 2,920 |
| Total risk-based capital ratio | 15.7545% | 3,355 |
| Memoranda: | ||
| Average total assets | $16,409,000 | 6,138 |
| Average earning assets | $15,510,600 | 6,120 |
| Average equity | $1,602,600 | 6,139 |
| Average total loans | $13,308,600 | 5,945 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 1,456 |
| Cost of funding earning assets | 0.8169% | 446 |
| Net interest margin | 3.7320% | 2,639 |
| Noninterest income to average assets | 0.0000% | 6,192 |
| Noninterest expense to average assets | 2.7067% | 3,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6340% | 4,221 |
| Return on assets (ROA) | 0.6340% | 4,333 |
| Pretax return on assets | 0.8210% | 4,274 |
| Return on Equity (ROE) | 6.5255% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.5255% | 1,943 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7281% | 2,124 |
| Assets per employee ($millions) | 4.1683% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1547% | 6,187 |
| 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 | 81.2811% | 669 |
| Net loans and leases to deposits | 92.5493% | 1,354 |
| Net loans and leases to core deposits | 94.3338% | 2,044 |
| Total domestic deposits to total assets | 87.8246% | 1,648 |
| Equity capital to assets | 9.8003% | 4,394 |
| Core capital (leverage) ratio | 8.2523% | 5,743 |
| Tier 1 risk-based capital ratio | 15.4707% | 3,066 |
| Total risk-based capital ratio | 15.7130% | 3,506 |
| Memoranda: | ||
| Average total assets | $16,403,500 | 6,222 |
| Average earning assets | $15,505,000 | 6,202 |
| Average equity | $1,593,750 | 6,226 |
| Average total loans | $13,209,750 | 6,025 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5403% | 1,424 |
| Cost of funding earning assets | 0.8562% | 370 |
| Net interest margin | 3.6842% | 2,779 |
| Noninterest income to average assets | 0.0000% | 6,260 |
| Noninterest expense to average assets | 2.7094% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5639% | 4,505 |
| Return on assets (ROA) | 0.5639% | 4,610 |
| Pretax return on assets | 0.7724% | 4,414 |
| Return on Equity (ROE) | 5.8216% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.8216% | 2,345 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8169% | 2,098 |
| Assets per employee ($millions) | 4.1058% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1594% | 6,257 |
| 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 | 80.0767% | 793 |
| Net loans and leases to deposits | 88.9002% | 1,736 |
| Net loans and leases to core deposits | 90.5966% | 2,287 |
| Total domestic deposits to total assets | 90.0749% | 627 |
| Equity capital to assets | 9.7546% | 4,338 |
| Core capital (leverage) ratio | 8.0859% | 5,878 |
| Tier 1 risk-based capital ratio | 15.3837% | 3,169 |
| Total risk-based capital ratio | 15.6309% | 3,626 |
| Memoranda: | ||
| Average total assets | $16,313,670 | 6,297 |
| Average earning assets | $15,417,330 | 6,278 |
| Average equity | $1,580,330 | 6,302 |
| Average total loans | $13,088,670 | 6,094 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6610% | 1,106 |
| Cost of funding earning assets | 0.8853% | 309 |
| Net interest margin | 3.7757% | 2,322 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 2.6078% | 3,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6642% | 3,984 |
| Return on assets (ROA) | 0.6642% | 4,106 |
| Pretax return on assets | 0.9595% | 3,652 |
| Return on Equity (ROE) | 6.8812% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.8812% | 2,061 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1034% | 2,976 |
| Assets per employee ($millions) | 4.1445% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1609% | 6,331 |
| 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 | 78.5800% | 855 |
| Net loans and leases to deposits | 87.3006% | 1,696 |
| Net loans and leases to core deposits | 88.9336% | 2,231 |
| Total domestic deposits to total assets | 90.0109% | 743 |
| Equity capital to assets | 9.5488% | 4,694 |
| Core capital (leverage) ratio | 9.7535% | 3,952 |
| Tier 1 risk-based capital ratio | 14.2139% | 3,873 |
| Total risk-based capital ratio | 14.4024% | 4,434 |
| Memoranda: | ||
| Average total assets | $16,259,000 | 6,367 |
| Average earning assets | $15,361,500 | 6,344 |
| Average equity | $1,569,500 | 6,369 |
| Average total loans | $13,047,000 | 6,152 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6072% | 1,538 |
| Cost of funding earning assets | 0.9067% | 379 |
| Net interest margin | 3.7005% | 3,005 |
| Noninterest income to average assets | 0.0000% | 6,390 |
| Noninterest expense to average assets | 2.6012% | 4,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6392% | 4,193 |
| Return on assets (ROA) | 0.6392% | 4,296 |
| Pretax return on assets | 0.8861% | 3,945 |
| Return on Equity (ROE) | 6.7163% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.7163% | 1,540 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5917% | 2,733 |
| Assets per employee ($millions) | 3.9850% | 3,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1533% | 6,427 |
| 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 | 81.7189% | 553 |
| Net loans and leases to deposits | 90.6787% | 1,445 |
| Net loans and leases to core deposits | 92.4420% | 2,043 |
| Total domestic deposits to total assets | 90.1192% | 686 |
| Equity capital to assets | 9.7616% | 4,403 |
| Core capital (leverage) ratio | 8.8394% | 5,204 |
| Tier 1 risk-based capital ratio | 16.7022% | 2,640 |
| Total risk-based capital ratio | 16.9393% | 3,064 |
| Memoranda: | ||
| Average total assets | $15,800,400 | 6,459 |
| Average earning assets | $14,889,800 | 6,437 |
| Average equity | $1,503,800 | 6,461 |
| Average total loans | $11,942,600 | 6,255 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 1,736 |
| Cost of funding earning assets | 0.8970% | 422 |
| Net interest margin | 3.6418% | 3,259 |
| Noninterest income to average assets | 0.0000% | 6,477 |
| Noninterest expense to average assets | 2.5879% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6174% | 4,364 |
| Return on assets (ROA) | 0.6174% | 4,457 |
| Pretax return on assets | 0.8457% | 4,202 |
| Return on Equity (ROE) | 6.5289% | 3,949 |
| Retained earnings to average equity (ytd only) | 6.5289% | 2,085 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3695% | 2,603 |
| Assets per employee ($millions) | 3.9975% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1583% | 6,506 |
| 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 | 78.8868% | 851 |
| Net loans and leases to deposits | 87.6581% | 1,715 |
| Net loans and leases to core deposits | 91.9455% | 2,044 |
| Total domestic deposits to total assets | 89.9937% | 734 |
| Equity capital to assets | 9.5560% | 4,725 |
| Core capital (leverage) ratio | 8.6366% | 5,520 |
| Tier 1 risk-based capital ratio | 16.9927% | 2,628 |
| Total risk-based capital ratio | 17.2388% | 3,013 |
| Memoranda: | ||
| Average total assets | $15,765,500 | 6,538 |
| Average earning assets | $14,864,000 | 6,515 |
| Average equity | $1,490,750 | 6,537 |
| Average total loans | $11,666,750 | 6,331 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4003% | 2,173 |
| Cost of funding earning assets | 0.9071% | 416 |
| Net interest margin | 3.4932% | 3,810 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 2.5365% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5608% | 4,542 |
| Return on assets (ROA) | 0.5608% | 4,647 |
| Pretax return on assets | 0.7520% | 4,449 |
| Return on Equity (ROE) | 5.9527% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.9527% | 2,349 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1318% | 2,435 |
| Assets per employee ($millions) | 3.8575% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1735% | 6,574 |
| 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 | 74.5625% | 1,368 |
| Net loans and leases to deposits | 83.3635% | 2,103 |
| Net loans and leases to core deposits | 87.6238% | 2,353 |
| Total domestic deposits to total assets | 89.4426% | 1,127 |
| Equity capital to assets | 9.7148% | 4,468 |
| Core capital (leverage) ratio | 8.7622% | 5,325 |
| Tier 1 risk-based capital ratio | 17.8671% | 2,288 |
| Total risk-based capital ratio | 18.1314% | 2,640 |
| Memoranda: | ||
| Average total assets | $15,690,670 | 6,604 |
| Average earning assets | $14,771,670 | 6,586 |
| Average equity | $1,478,330 | 6,604 |
| Average total loans | $11,344,330 | 6,399 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 2,105 |
| Cost of funding earning assets | 0.9142% | 423 |
| Net interest margin | 3.4954% | 3,719 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 2.3766% | 4,992 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6574% | 3,906 |
| Return on assets (ROA) | 0.6574% | 4,007 |
| Pretax return on assets | 0.9102% | 3,657 |
| Return on Equity (ROE) | 7.0845% | 3,425 |
| Retained earnings to average equity (ytd only) | 7.0845% | 1,999 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3077% | 3,431 |
| Assets per employee ($millions) | 3.9620% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1764% | 6,644 |
| 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 | 71.4160% | 1,661 |
| Net loans and leases to deposits | 82.5709% | 1,996 |
| Net loans and leases to core deposits | 86.8078% | 2,220 |
| Total domestic deposits to total assets | 86.4904% | 3,110 |
| Equity capital to assets | 9.3450% | 4,707 |
| Core capital (leverage) ratio | 8.4048% | 5,742 |
| Tier 1 risk-based capital ratio | 17.6963% | 2,411 |
| Total risk-based capital ratio | 17.9620% | 2,772 |
| Memoranda: | ||
| Average total assets | $15,821,000 | 6,675 |
| Average earning assets | $14,876,500 | 6,658 |
| Average equity | $1,468,000 | 6,670 |
| Average total loans | $11,254,000 | 6,470 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5005% | 2,201 |
| Cost of funding earning assets | 1.1558% | 222 |
| Net interest margin | 3.3447% | 4,501 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 2.5866% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4222% | 5,069 |
| Return on assets (ROA) | 0.4222% | 5,176 |
| Pretax return on assets | 0.5160% | 5,158 |
| Return on Equity (ROE) | 4.4310% | 4,919 |
| Retained earnings to average equity (ytd only) | 4.4310% | 3,020 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3693% | 1,704 |
| Assets per employee ($millions) | 3.9485% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1791% | 6,717 |
| 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 | 70.5964% | 1,923 |
| Net loans and leases to deposits | 77.8360% | 2,742 |
| Net loans and leases to core deposits | 84.1192% | 2,665 |
| Total domestic deposits to total assets | 90.6990% | 703 |
| Equity capital to assets | 9.2124% | 4,792 |
| Core capital (leverage) ratio | 8.2626% | 5,915 |
| Tier 1 risk-based capital ratio | 17.6686% | 2,352 |
| Total risk-based capital ratio | 17.9393% | 2,720 |
| Memoranda: | ||
| Average total assets | $14,923,200 | 6,765 |
| Average earning assets | $13,842,800 | 6,751 |
| Average equity | $1,421,800 | 6,763 |
| Average total loans | $10,641,600 | 6,562 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5452% | 2,057 |
| Cost of funding earning assets | 1.1878% | 212 |
| Net interest margin | 3.3574% | 4,439 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 2.6022% | 4,383 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4080% | 5,220 |
| Return on assets (ROA) | 0.4080% | 5,356 |
| Pretax return on assets | 0.4987% | 5,359 |
| Return on Equity (ROE) | 4.2448% | 5,107 |
| Retained earnings to average equity (ytd only) | 4.2448% | 3,661 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9181% | 1,609 |
| Assets per employee ($millions) | 3.9095% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1813% | 6,799 |
| 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 | 70.4054% | 1,894 |
| Net loans and leases to deposits | 77.7762% | 2,705 |
| Net loans and leases to core deposits | 84.1100% | 2,640 |
| Total domestic deposits to total assets | 90.5231% | 732 |
| Equity capital to assets | 9.1828% | 4,961 |
| Core capital (leverage) ratio | 9.1828% | 4,859 |
| Tier 1 risk-based capital ratio | 19.5774% | 1,845 |
| Total risk-based capital ratio | 19.8500% | 2,083 |
| Memoranda: | ||
| Average total assets | $14,705,500 | 6,845 |
| Average earning assets | $13,581,750 | 6,828 |
| Average equity | $1,413,500 | 6,843 |
| Average total loans | $10,509,500 | 6,643 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5193% | 2,122 |
| Cost of funding earning assets | 1.2121% | 204 |
| Net interest margin | 3.3071% | 4,550 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 2.5704% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4029% | 5,208 |
| Return on assets (ROA) | 0.4029% | 5,373 |
| Pretax return on assets | 0.5002% | 5,379 |
| Return on Equity (ROE) | 4.1252% | 5,166 |
| Retained earnings to average equity (ytd only) | 4.1252% | 3,666 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7104% | 1,668 |
| Assets per employee ($millions) | 3.6725% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1735% | 6,846 |
| 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 | 74.4316% | 1,188 |
| Net loans and leases to deposits | 83.1356% | 1,910 |
| Net loans and leases to core deposits | 87.5771% | 2,161 |
| Total domestic deposits to total assets | 89.5303% | 1,309 |
| Equity capital to assets | 9.6732% | 4,350 |
| Core capital (leverage) ratio | 9.6732% | 3,979 |
| Tier 1 risk-based capital ratio | 19.6108% | 1,826 |
| Total risk-based capital ratio | 19.8730% | 2,065 |
| Memoranda: | ||
| Average total assets | $14,394,670 | 6,894 |
| Average earning assets | $13,365,000 | 6,878 |
| Average equity | $1,406,000 | 6,895 |
| Average total loans | $10,336,000 | 6,689 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 3,261 |
| Cost of funding earning assets | 1.2423% | 197 |
| Net interest margin | 2.9694% | 5,656 |
| Noninterest income to average assets | 0.0842% | 6,636 |
| Noninterest expense to average assets | 2.3865% | 5,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3650% | 5,281 |
| Return on assets (ROA) | 0.3650% | 5,417 |
| Pretax return on assets | 0.4492% | 5,413 |
| Return on Equity (ROE) | 3.7183% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.7183% | 4,001 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1584% | 1,747 |
| Assets per employee ($millions) | 3.5928% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1884% | 6,915 |
| 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 | 70.0508% | 1,652 |
| Net loans and leases to deposits | 79.2116% | 2,185 |
| Net loans and leases to core deposits | 83.5713% | 2,377 |
| Total domestic deposits to total assets | 88.4350% | 2,043 |
| Equity capital to assets | 9.7766% | 4,458 |
| Core capital (leverage) ratio | 9.7766% | 3,690 |
| Tier 1 risk-based capital ratio | 20.8984% | 1,560 |
| Total risk-based capital ratio | 21.1810% | 1,764 |
| Memoranda: | ||
| Average total assets | $14,247,000 | 6,972 |
| Average earning assets | $13,201,500 | 6,956 |
| Average equity | $1,398,500 | 6,962 |
| Average total loans | $10,027,500 | 6,768 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 3,123 |
| Cost of funding earning assets | 1.4832% | 175 |
| Net interest margin | 3.0867% | 5,849 |
| Noninterest income to average assets | 0.1935% | 6,028 |
| Noninterest expense to average assets | 2.6496% | 4,571 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4094% | 5,061 |
| Return on assets (ROA) | 0.4094% | 5,316 |
| Pretax return on assets | 0.4094% | 5,549 |
| Return on Equity (ROE) | 4.0158% | 5,132 |
| Retained earnings to average equity (ytd only) | 4.0158% | 3,383 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6180% | 1,361 |
| Assets per employee ($millions) | 3.5308% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1906% | 6,967 |
| 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 | 70.4525% | 1,749 |
| Net loans and leases to deposits | 78.1987% | 2,496 |
| Net loans and leases to core deposits | 82.4973% | 2,718 |
| Total domestic deposits to total assets | 90.0942% | 902 |
| Equity capital to assets | 9.8563% | 4,369 |
| Core capital (leverage) ratio | 9.8563% | 3,599 |
| Tier 1 risk-based capital ratio | 20.7328% | 1,519 |
| Total risk-based capital ratio | 21.0158% | 1,706 |
| Memoranda: | ||
| Average total assets | $13,435,800 | 7,041 |
| Average earning assets | $12,473,000 | 7,026 |
| Average equity | $1,369,600 | 7,036 |
| Average total loans | $9,616,800 | 6,863 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 3,161 |
| Cost of funding earning assets | 1.4938% | 209 |
| Net interest margin | 3.1174% | 5,899 |
| Noninterest income to average assets | 0.1809% | 6,220 |
| Noninterest expense to average assets | 2.5733% | 4,832 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4624% | 4,984 |
| Return on assets (ROA) | 0.4624% | 5,234 |
| Pretax return on assets | 0.5026% | 5,459 |
| Return on Equity (ROE) | 4.4963% | 5,043 |
| Retained earnings to average equity (ytd only) | 4.4963% | 3,731 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6601% | 1,631 |
| Assets per employee ($millions) | 3.4600% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1960% | 7,077 |
| 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 | 69.9133% | 1,917 |
| Net loans and leases to deposits | 77.9380% | 2,663 |
| Net loans and leases to core deposits | 82.3209% | 2,922 |
| Total domestic deposits to total assets | 89.7038% | 1,005 |
| Equity capital to assets | 9.9928% | 4,503 |
| Core capital (leverage) ratio | 9.9928% | 3,557 |
| Tier 1 risk-based capital ratio | 20.9482% | 1,537 |
| Total risk-based capital ratio | 21.2360% | 1,736 |
| Memoranda: | ||
| Average total assets | $13,264,000 | 7,139 |
| Average earning assets | $12,317,500 | 7,124 |
| Average equity | $1,364,000 | 7,135 |
| Average total loans | $9,528,750 | 6,959 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 2,959 |
| Cost of funding earning assets | 1.4972% | 241 |
| Net interest margin | 3.1919% | 5,766 |
| Noninterest income to average assets | 0.1989% | 6,129 |
| Noninterest expense to average assets | 2.4174% | 5,390 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5967% | 4,380 |
| Return on assets (ROA) | 0.5967% | 4,644 |
| Pretax return on assets | 0.7497% | 4,654 |
| Return on Equity (ROE) | 5.7451% | 4,451 |
| Retained earnings to average equity (ytd only) | 5.7451% | 2,855 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3285% | 2,697 |
| Assets per employee ($millions) | 3.3413% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2033% | 7,146 |
| 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 | 69.8017% | 1,951 |
| Net loans and leases to deposits | 79.2003% | 2,495 |
| Net loans and leases to core deposits | 83.9090% | 2,703 |
| Total domestic deposits to total assets | 88.1332% | 2,052 |
| Equity capital to assets | 10.2955% | 3,940 |
| Core capital (leverage) ratio | 10.2955% | 3,054 |
| Tier 1 risk-based capital ratio | 21.6556% | 1,355 |
| Total risk-based capital ratio | 21.9547% | 1,511 |
| Memoranda: | ||
| Average total assets | $13,072,000 | 7,202 |
| Average earning assets | $12,155,670 | 7,185 |
| Average equity | $1,357,670 | 7,192 |
| Average total loans | $9,473,330 | 7,019 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 2,778 |
| Cost of funding earning assets | 1.5227% | 258 |
| Net interest margin | 3.2440% | 5,646 |
| Noninterest income to average assets | 0.1547% | 6,472 |
| Noninterest expense to average assets | 2.2282% | 5,968 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7427% | 3,664 |
| Return on assets (ROA) | 0.7427% | 3,899 |
| Pretax return on assets | 0.9593% | 3,836 |
| Return on Equity (ROE) | 7.1190% | 3,712 |
| Retained earnings to average equity (ytd only) | 7.1190% | 2,371 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9029% | 3,834 |
| Assets per employee ($millions) | 3.2590% | 5,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2010% | 7,205 |
| 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 | 72.3765% | 1,332 |
| Net loans and leases to deposits | 84.1359% | 1,649 |
| Net loans and leases to core deposits | 87.2480% | 2,141 |
| Total domestic deposits to total assets | 86.0233% | 3,514 |
| Equity capital to assets | 10.4326% | 3,578 |
| Core capital (leverage) ratio | 10.4326% | 2,833 |
| Tier 1 risk-based capital ratio | 21.6079% | 1,361 |
| Total risk-based capital ratio | 21.9098% | 1,523 |
| Memoranda: | ||
| Average total assets | $12,925,500 | 7,266 |
| Average earning assets | $12,084,000 | 7,248 |
| Average equity | $1,348,500 | 7,247 |
| Average total loans | $9,536,000 | 7,082 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 3,954 |
| Cost of funding earning assets | 1.6168% | 445 |
| Net interest margin | 3.1506% | 6,214 |
| Noninterest income to average assets | 0.1033% | 6,626 |
| Noninterest expense to average assets | 2.1526% | 6,380 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7228% | 3,374 |
| Return on assets (ROA) | 0.7228% | 3,546 |
| Pretax return on assets | 0.9691% | 3,349 |
| Return on Equity (ROE) | 7.0510% | 3,385 |
| Retained earnings to average equity (ytd only) | 7.0510% | 1,481 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9567% | 4,162 |
| Assets per employee ($millions) | 6.4075% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1975% | 7,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 74.9044% | 1,106 |
| Net loans and leases to deposits | 88.2991% | 1,340 |
| Net loans and leases to core deposits | 91.6722% | 1,923 |
| Total domestic deposits to total assets | 84.8303% | 3,935 |
| Equity capital to assets | 10.4331% | 3,608 |
| Core capital (leverage) ratio | 9.3222% | 4,291 |
| Tier 1 risk-based capital ratio | 18.5827% | 2,023 |
| Total risk-based capital ratio | 18.8819% | 2,294 |
| Memoranda: | ||
| Average total assets | $12,589,200 | 7,313 |
| Average earning assets | $12,061,200 | 7,295 |
| Average equity | $1,290,600 | 7,310 |
| Average total loans | $9,256,000 | 7,140 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7319% | 4,313 |
| Cost of funding earning assets | 1.6252% | 522 |
| Net interest margin | 3.1067% | 6,371 |
| Noninterest income to average assets | 0.1171% | 6,672 |
| Noninterest expense to average assets | 2.1915% | 6,295 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6915% | 3,669 |
| Return on assets (ROA) | 0.6915% | 3,834 |
| Pretax return on assets | 0.9149% | 3,706 |
| Return on Equity (ROE) | 6.7756% | 3,622 |
| Retained earnings to average equity (ytd only) | 6.7756% | 2,095 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5479% | 3,845 |
| Assets per employee ($millions) | 6.3295% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1951% | 7,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 76.7912% | 870 |
| Net loans and leases to deposits | 88.3808% | 1,385 |
| Net loans and leases to core deposits | 91.7162% | 2,033 |
| Total domestic deposits to total assets | 86.8868% | 2,722 |
| Equity capital to assets | 10.3563% | 3,887 |
| Core capital (leverage) ratio | 9.2523% | 4,541 |
| Tier 1 risk-based capital ratio | 18.7459% | 2,010 |
| Total risk-based capital ratio | 19.0538% | 2,301 |
| Memoranda: | ||
| Average total assets | $12,532,750 | 7,390 |
| Average earning assets | $12,059,750 | 7,372 |
| Average equity | $1,279,000 | 7,386 |
| Average total loans | $9,165,500 | 7,213 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6611% | 4,698 |
| Cost of funding earning assets | 1.6480% | 572 |
| Net interest margin | 3.0131% | 6,581 |
| Noninterest income to average assets | 0.1921% | 6,291 |
| Noninterest expense to average assets | 2.1456% | 6,511 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7045% | 3,525 |
| Return on assets (ROA) | 0.7045% | 3,631 |
| Pretax return on assets | 0.9447% | 3,454 |
| Return on Equity (ROE) | 6.9383% | 3,475 |
| Retained earnings to average equity (ytd only) | 6.9383% | 1,907 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4301% | 4,226 |
| Assets per employee ($millions) | 6.4840% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1870% | 7,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 74.0746% | 1,405 |
| Net loans and leases to deposits | 86.8064% | 1,677 |
| Net loans and leases to core deposits | 90.0619% | 2,368 |
| Total domestic deposits to total assets | 85.3331% | 3,713 |
| Equity capital to assets | 9.9476% | 4,227 |
| Core capital (leverage) ratio | 8.8440% | 4,974 |
| Tier 1 risk-based capital ratio | 18.2565% | 2,090 |
| Total risk-based capital ratio | 18.5466% | 2,386 |
| Memoranda: | ||
| Average total assets | $12,490,670 | 7,466 |
| Average earning assets | $12,014,330 | 7,445 |
| Average equity | $1,268,330 | 7,459 |
| Average total loans | $8,974,000 | 7,285 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6378% | 4,793 |
| Cost of funding earning assets | 1.6588% | 655 |
| Net interest margin | 2.9790% | 6,612 |
| Noninterest income to average assets | 0.1306% | 6,764 |
| Noninterest expense to average assets | 2.0895% | 6,657 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6856% | 3,581 |
| Return on assets (ROA) | 0.6856% | 3,646 |
| Pretax return on assets | 0.9141% | 3,448 |
| Return on Equity (ROE) | 6.6799% | 3,540 |
| Retained earnings to average equity (ytd only) | 6.6799% | 2,285 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5652% | 4,362 |
| Assets per employee ($millions) | 6.1180% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2071% | 7,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 70.8728% | 1,957 |
| Net loans and leases to deposits | 79.4867% | 2,808 |
| Net loans and leases to core deposits | 82.5119% | 3,378 |
| Total domestic deposits to total assets | 89.1631% | 1,669 |
| Equity capital to assets | 10.3629% | 3,334 |
| Core capital (leverage) ratio | 9.2128% | 4,268 |
| Tier 1 risk-based capital ratio | 19.3062% | 1,733 |
| Total risk-based capital ratio | 19.6184% | 1,955 |
| Memoranda: | ||
| Average total assets | $12,252,000 | 7,525 |
| Average earning assets | $11,816,000 | 7,504 |
| Average equity | $1,257,500 | 7,515 |
| Average total loans | $8,649,000 | 7,356 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0453% | 4,344 |
| Cost of funding earning assets | 1.9487% | 726 |
| Net interest margin | 3.0967% | 6,529 |
| Noninterest income to average assets | 0.0921% | 6,935 |
| Noninterest expense to average assets | 2.1192% | 6,801 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7187% | 3,155 |
| Return on assets (ROA) | 0.7187% | 3,283 |
| Pretax return on assets | 0.9306% | 3,159 |
| Return on Equity (ROE) | 6.4634% | 3,368 |
| Retained earnings to average equity (ytd only) | 6.4634% | 1,573 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4864% | 4,284 |
| Assets per employee ($millions) | 6.1340% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2091% | 7,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 70.0196% | 2,532 |
| Net loans and leases to deposits | 77.9916% | 3,511 |
| Net loans and leases to core deposits | 80.9308% | 4,072 |
| Total domestic deposits to total assets | 89.7783% | 1,219 |
| Equity capital to assets | 10.1647% | 3,537 |
| Core capital (leverage) ratio | 9.0376% | 4,475 |
| Tier 1 risk-based capital ratio | 19.6342% | 1,569 |
| Total risk-based capital ratio | 19.9570% | 1,758 |
| Memoranda: | ||
| Average total assets | $10,853,200 | 7,618 |
| Average earning assets | $10,366,000 | 7,599 |
| Average equity | $1,206,800 | 7,615 |
| Average total loans | $8,069,800 | 7,463 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1729% | 3,970 |
| Cost of funding earning assets | 1.9732% | 818 |
| Net interest margin | 3.1997% | 6,344 |
| Noninterest income to average assets | 0.0254% | 7,378 |
| Noninterest expense to average assets | 2.1461% | 6,743 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7238% | 3,304 |
| Return on assets (ROA) | 0.7238% | 3,455 |
| Pretax return on assets | 0.9270% | 3,463 |
| Return on Equity (ROE) | 6.3505% | 3,651 |
| Retained earnings to average equity (ytd only) | 6.3505% | 2,175 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8347% | 4,099 |
| Assets per employee ($millions) | 5.9090% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2246% | 7,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 67.6510% | 3,297 |
| Net loans and leases to deposits | 75.8179% | 4,207 |
| Net loans and leases to core deposits | 78.8073% | 4,700 |
| Total domestic deposits to total assets | 89.2283% | 1,272 |
| Equity capital to assets | 10.3655% | 3,681 |
| Core capital (leverage) ratio | 9.3763% | 4,095 |
| Tier 1 risk-based capital ratio | 20.7694% | 1,401 |
| Total risk-based capital ratio | 21.1105% | 1,544 |
| Memoranda: | ||
| Average total assets | $10,499,500 | 7,721 |
| Average earning assets | $10,000,500 | 7,702 |
| Average equity | $1,196,750 | 7,716 |
| Average total loans | $7,935,250 | 7,569 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3147% | 3,394 |
| Cost of funding earning assets | 2.0087% | 890 |
| Net interest margin | 3.3060% | 5,997 |
| Noninterest income to average assets | 0.0398% | 7,384 |
| Noninterest expense to average assets | 2.2266% | 6,581 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7555% | 3,169 |
| Return on assets (ROA) | 0.7555% | 3,327 |
| Pretax return on assets | 0.9543% | 3,294 |
| Return on Equity (ROE) | 6.4009% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.4009% | 2,118 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0000% | 4,190 |
| Assets per employee ($millions) | 5.5240% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2200% | 7,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 73.9048% | 1,930 |
| Net loans and leases to deposits | 87.3262% | 2,286 |
| Net loans and leases to core deposits | 91.2291% | 3,088 |
| Total domestic deposits to total assets | 84.6307% | 3,804 |
| Equity capital to assets | 10.9160% | 2,954 |
| Core capital (leverage) ratio | 9.9707% | 3,198 |
| Tier 1 risk-based capital ratio | 21.1158% | 1,318 |
| Total risk-based capital ratio | 21.4645% | 1,447 |
| Memoranda: | ||
| Average total assets | $10,060,000 | 7,791 |
| Average earning assets | $9,558,330 | 7,772 |
| Average equity | $1,187,330 | 7,782 |
| Average total loans | $7,909,330 | 7,632 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4968% | 2,586 |
| Cost of funding earning assets | 2.0834% | 857 |
| Net interest margin | 3.4133% | 5,527 |
| Noninterest income to average assets | 0.1254% | 7,052 |
| Noninterest expense to average assets | 2.2998% | 6,376 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8363% | 2,807 |
| Return on assets (ROA) | 0.8363% | 2,906 |
| Pretax return on assets | 1.0454% | 2,919 |
| Return on Equity (ROE) | 6.7912% | 3,455 |
| Retained earnings to average equity (ytd only) | 6.7912% | 2,223 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 4,562 |
| Assets per employee ($millions) | 4.9740% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2248% | 7,802 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 80.3177% | 797 |
| Net loans and leases to deposits | 97.1192% | 988 |
| Net loans and leases to core deposits | 102.0825% | 1,895 |
| Total domestic deposits to total assets | 82.7000% | 4,758 |
| Equity capital to assets | 11.9421% | 2,071 |
| Core capital (leverage) ratio | 11.2372% | 2,063 |
| Tier 1 risk-based capital ratio | 22.8142% | 1,105 |
| Total risk-based capital ratio | 23.1845% | 1,192 |
| Memoranda: | ||
| Average total assets | $9,566,000 | 7,897 |
| Average earning assets | $9,023,500 | 7,880 |
| Average equity | $1,178,000 | 7,871 |
| Average total loans | $7,772,500 | 7,732 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7385% | 2,915 |
| Cost of funding earning assets | 2.6084% | 761 |
| Net interest margin | 3.1301% | 6,280 |
| Noninterest income to average assets | 0.2051% | 6,644 |
| Noninterest expense to average assets | 2.4247% | 6,393 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6152% | 3,276 |
| Return on assets (ROA) | 0.6152% | 3,342 |
| Pretax return on assets | 0.7479% | 3,413 |
| Return on Equity (ROE) | 4.4753% | 3,896 |
| Retained earnings to average equity (ytd only) | 4.4753% | 2,118 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4259% | 3,454 |
| Assets per employee ($millions) | 4.5920% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2256% | 7,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 81.8815% | 699 |
| Net loans and leases to deposits | 99.8539% | 919 |
| Net loans and leases to core deposits | 136.5287% | 935 |
| Total domestic deposits to total assets | 82.0013% | 4,946 |
| Equity capital to assets | 12.7178% | 1,635 |
| Core capital (leverage) ratio | 11.9411% | 1,690 |
| Tier 1 risk-based capital ratio | 23.3965% | 1,001 |
| Total risk-based capital ratio | 23.7624% | 1,066 |
| Memoranda: | ||
| Average total assets | $8,289,600 | 7,988 |
| Average earning assets | $7,859,200 | 7,973 |
| Average equity | $1,139,600 | 7,966 |
| Average total loans | $6,834,600 | 7,834 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7987% | 2,902 |
| Cost of funding earning assets | 2.7164% | 760 |
| Net interest margin | 3.0821% | 6,359 |
| Noninterest income to average assets | 0.1653% | 7,024 |
| Noninterest expense to average assets | 2.4133% | 6,374 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5620% | 3,751 |
| Return on assets (ROA) | 0.5620% | 3,831 |
| Pretax return on assets | 0.6777% | 3,937 |
| Return on Equity (ROE) | 4.0026% | 4,370 |
| Retained earnings to average equity (ytd only) | 4.0026% | 3,038 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0749% | 3,155 |
| Assets per employee ($millions) | 4.2185% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2467% | 7,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 81.4626% | 903 |
| Net loans and leases to deposits | 101.5814% | 964 |
| Net loans and leases to core deposits | 133.4304% | 1,241 |
| Total domestic deposits to total assets | 80.1944% | 5,366 |
| Equity capital to assets | 13.6541% | 1,430 |
| Core capital (leverage) ratio | 13.0668% | 1,354 |
| Tier 1 risk-based capital ratio | 25.7708% | 834 |
| Total risk-based capital ratio | 26.1709% | 884 |
| Memoranda: | ||
| Average total assets | $8,066,000 | 8,075 |
| Average earning assets | $7,656,750 | 8,061 |
| Average equity | $1,132,500 | 8,052 |
| Average total loans | $6,659,000 | 7,914 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8546% | 2,781 |
| Cost of funding earning assets | 2.8346% | 722 |
| Net interest margin | 3.0200% | 6,488 |
| Noninterest income to average assets | 0.1007% | 7,476 |
| Noninterest expense to average assets | 2.3671% | 6,565 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4784% | 4,183 |
| Return on assets (ROA) | 0.4784% | 4,293 |
| Pretax return on assets | 0.6044% | 4,310 |
| Return on Equity (ROE) | 3.3748% | 4,755 |
| Retained earnings to average equity (ytd only) | 3.3748% | 3,443 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6610% | 3,104 |
| Assets per employee ($millions) | 4.1040% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2514% | 8,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 82.1759% | 929 |
| Net loans and leases to deposits | 96.9666% | 1,658 |
| Net loans and leases to core deposits | 135.4146% | 1,246 |
| Total domestic deposits to total assets | 84.7466% | 3,384 |
| Equity capital to assets | 13.8523% | 1,367 |
| Core capital (leverage) ratio | 13.8523% | 1,178 |
| Tier 1 risk-based capital ratio | 27.2924% | 764 |
| Total risk-based capital ratio | 27.7004% | 797 |
| Memoranda: | ||
| Average total assets | $7,942,330 | 8,171 |
| Average earning assets | $7,549,670 | 8,155 |
| Average equity | $1,126,000 | 8,143 |
| Average total loans | $6,582,000 | 8,005 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9007% | 2,792 |
| Cost of funding earning assets | 2.9774% | 635 |
| Net interest margin | 2.9233% | 6,690 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 2.3049% | 6,524 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3585% | 5,025 |
| Return on assets (ROA) | 0.3585% | 5,211 |
| Pretax return on assets | 0.4610% | 5,205 |
| Return on Equity (ROE) | 2.4989% | 5,573 |
| Retained earnings to average equity (ytd only) | 2.4989% | 4,482 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 2,375 |
| Assets per employee ($millions) | 3.9930% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2573% | 8,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 82.5194% | 929 |
| Net loans and leases to deposits | 98.1824% | 1,635 |
| Net loans and leases to core deposits | 109.4321% | 3,506 |
| Total domestic deposits to total assets | 84.0471% | 3,685 |
| Equity capital to assets | 14.0872% | 1,337 |
| Core capital (leverage) ratio | 14.0872% | 1,171 |
| Tier 1 risk-based capital ratio | 27.5061% | 787 |
| Total risk-based capital ratio | 27.9218% | 824 |
| Memoranda: | ||
| Average total assets | $7,809,500 | 8,222 |
| Average earning assets | $7,389,000 | 8,203 |
| Average equity | $1,120,500 | 8,194 |
| Average total loans | $6,492,000 | 8,061 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9492% | 5,815 |
| Cost of funding earning assets | 3.3717% | 756 |
| Net interest margin | 2.5775% | 7,663 |
| Noninterest income to average assets | 0.1211% | 7,514 |
| Noninterest expense to average assets | 2.4352% | 6,274 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1345% | 6,017 |
| Return on assets (ROA) | 0.1345% | 5,853 |
| Pretax return on assets | 0.1749% | 5,782 |
| Return on Equity (ROE) | 0.9022% | 5,945 |
| Retained earnings to average equity (ytd only) | 0.9022% | 4,690 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2990% | 1,308 |
| Assets per employee ($millions) | 3.8165% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2666% | 8,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 83.3224% | 990 |
| Net loans and leases to deposits | 97.6658% | 2,177 |
| Net loans and leases to core deposits | 109.2408% | 3,836 |
| Total domestic deposits to total assets | 85.3138% | 2,698 |
| Equity capital to assets | 14.6207% | 1,269 |
| Core capital (leverage) ratio | 14.6207% | 1,117 |
| Tier 1 risk-based capital ratio | 28.2103% | 752 |
| Total risk-based capital ratio | 28.6400% | 778 |
| Memoranda: | ||
| Average total assets | $7,432,600 | 8,283 |
| Average earning assets | $7,177,400 | 8,263 |
| Average equity | $1,108,400 | 8,264 |
| Average total loans | $6,042,600 | 8,122 |