Home > Global One Bank > Performance and Condition Ratios
Global One Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9375% | 240 |
| Cost of funding earning assets | 2.3985% | 462 |
| Net interest margin | 4.5389% | 575 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 5.2706% | 212 |
| Loan and lease loss provision to assets | 0.9800% | 73 |
| Net operating income to assets | -1.7448% | 4,563 |
| Return on assets (ROA) | -1.6553% | 4,556 |
| Pretax return on assets | -2.0237% | 4,558 |
| Return on Equity (ROE) | -6.3700% | 4,479 |
| Retained earnings to average equity (ytd only) | -6.3669% | 4,419 |
| 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 | 117.3581% | 83 |
| Assets per employee ($millions) | 3.6125% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 2,710 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 73.9200% | 1,374 |
| Net loans and leases to deposits | 101.5945% | 453 |
| Net loans and leases to core deposits | 128.3326% | 427 |
| Total domestic deposits to total assets | 72.7600% | 4,185 |
| Equity capital to assets | 26.3251% | 179 |
| Core capital (leverage) ratio | 20.0951% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3230% | 330 |
| Memoranda: | ||
| Average total assets | $101,791,400 | 3,813 |
| Average earning assets | $85,636,600 | 3,877 |
| Average equity | $26,465,200 | 2,435 |
| Average total loans | $62,869,800 | 3,666 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6702% | 257 |
| Cost of funding earning assets | 2.2871% | 419 |
| Net interest margin | 4.3831% | 716 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 5.4092% | 201 |
| Loan and lease loss provision to assets | 0.8500% | 82 |
| Net operating income to assets | -2.1128% | 4,599 |
| Return on assets (ROA) | -1.9609% | 4,592 |
| Pretax return on assets | -1.9609% | 4,590 |
| Return on Equity (ROE) | -7.5700% | 4,524 |
| Retained earnings to average equity (ytd only) | -7.5711% | 4,475 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 119.5114% | 76 |
| Assets per employee ($millions) | 4.5938% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8576% | 3,855 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 62.4100% | 2,609 |
| Net loans and leases to deposits | 87.3481% | 1,440 |
| Net loans and leases to core deposits | 112.6483% | 778 |
| Total domestic deposits to total assets | 71.4500% | 4,272 |
| Equity capital to assets | 27.3444% | 175 |
| Core capital (leverage) ratio | 20.9485% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8974% | 256 |
| Memoranda: | ||
| Average total assets | $97,436,000 | 3,863 |
| Average earning assets | $83,013,750 | 3,915 |
| Average equity | $25,235,750 | 2,489 |
| Average total loans | $56,308,000 | 3,763 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3024% | 310 |
| Cost of funding earning assets | 2.1212% | 398 |
| Net interest margin | 4.1811% | 954 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 5.0964% | 215 |
| Loan and lease loss provision to assets | 1.1300% | 55 |
| Net operating income to assets | -2.1695% | 4,627 |
| Return on assets (ROA) | -1.9273% | 4,624 |
| Pretax return on assets | -1.8443% | 4,617 |
| Return on Equity (ROE) | -7.6200% | 4,566 |
| Retained earnings to average equity (ytd only) | -7.6187% | 4,480 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 111.2691% | 94 |
| Assets per employee ($millions) | 3.8262% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7684% | 4,076 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.5200% | 2,725 |
| Net loans and leases to deposits | 86.7767% | 1,442 |
| Net loans and leases to core deposits | 106.7140% | 959 |
| Total domestic deposits to total assets | 69.7400% | 4,369 |
| Equity capital to assets | 28.9762% | 160 |
| Core capital (leverage) ratio | 23.3118% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3685% | 270 |
| Memoranda: | ||
| Average total assets | $91,632,667 | 3,926 |
| Average earning assets | $78,256,000 | 3,984 |
| Average equity | $23,179,667 | 2,614 |
| Average total loans | $50,978,333 | 3,847 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6112% | 516 |
| Cost of funding earning assets | 1.9765% | 313 |
| Net interest margin | 3.6347% | 2,046 |
| Noninterest income to average assets | 1.2100% | 439 |
| Noninterest expense to average assets | 4.8165% | 243 |
| Loan and lease loss provision to assets | 1.1700% | 59 |
| Net operating income to assets | -1.6006% | 4,639 |
| Return on assets (ROA) | -1.0443% | 4,616 |
| Pretax return on assets | -1.0443% | 4,609 |
| Return on Equity (ROE) | -4.5800% | 4,549 |
| Retained earnings to average equity (ytd only) | -4.5791% | 4,313 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 109.7887% | 100 |
| Assets per employee ($millions) | 3.8471% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5487% | 4,409 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 41.8700% | 3,958 |
| Net loans and leases to deposits | 62.3795% | 3,202 |
| Net loans and leases to core deposits | 69.4591% | 2,989 |
| Total domestic deposits to total assets | 67.1300% | 4,468 |
| Equity capital to assets | 31.6367% | 115 |
| Core capital (leverage) ratio | 29.5311% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.3019% | 143 |
| Memoranda: | ||
| Average total assets | $81,969,000 | 4,078 |
| Average earning assets | $71,643,000 | 4,117 |
| Average equity | $18,693,500 | 3,005 |
| Average total loans | $42,631,000 | 4,026 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6480% | 2,664 |
| Cost of funding earning assets | 0.5099% | 1,320 |
| Net interest margin | 3.1381% | 3,067 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.5259% | 2,036 |
| Loan and lease loss provision to assets | -0.1000% | 4,534 |
| Net operating income to assets | 0.7952% | 3,344 |
| Return on assets (ROA) | 0.7952% | 3,275 |
| Pretax return on assets | 0.9965% | 3,083 |
| Return on Equity (ROE) | 11.0600% | 2,452 |
| Retained earnings to average equity (ytd only) | 11.0625% | 868 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.8378% | 1,231 |
| Assets per employee ($millions) | 6.0065% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 3,632 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 68.4900% | 1,787 |
| Net loans and leases to deposits | 74.1603% | 2,247 |
| Net loans and leases to core deposits | 81.6531% | 2,031 |
| Total domestic deposits to total assets | 92.3500% | 553 |
| Equity capital to assets | 7.5335% | 3,367 |
| Core capital (leverage) ratio | 7.6180% | 4,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3194% | 1,843 |
| Memoranda: | ||
| Average total assets | $59,107,600 | 4,341 |
| Average earning assets | $56,084,800 | 4,308 |
| Average equity | $4,248,600 | 4,502 |
| Average total loans | $37,406,000 | 4,112 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4632% | 2,740 |
| Cost of funding earning assets | 0.4610% | 929 |
| Net interest margin | 3.0023% | 3,214 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.5208% | 1,952 |
| Loan and lease loss provision to assets | -0.1800% | 4,663 |
| Net operating income to assets | 0.6274% | 3,760 |
| Return on assets (ROA) | 0.6274% | 3,711 |
| Pretax return on assets | 0.7701% | 3,652 |
| Return on Equity (ROE) | 8.8400% | 3,081 |
| Retained earnings to average equity (ytd only) | 8.8366% | 1,713 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.0044% | 713 |
| Assets per employee ($millions) | 5.9778% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 3,685 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 64.8000% | 2,003 |
| Net loans and leases to deposits | 69.9300% | 2,369 |
| Net loans and leases to core deposits | 76.1640% | 2,184 |
| Total domestic deposits to total assets | 92.6700% | 667 |
| Equity capital to assets | 7.2485% | 3,372 |
| Core capital (leverage) ratio | 7.3083% | 4,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0877% | 2,026 |
| Memoranda: | ||
| Average total assets | $58,868,250 | 4,382 |
| Average earning assets | $55,823,250 | 4,352 |
| Average equity | $4,179,500 | 4,565 |
| Average total loans | $36,376,000 | 4,151 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2386% | 2,927 |
| Cost of funding earning assets | 0.4224% | 794 |
| Net interest margin | 2.8162% | 3,396 |
| Noninterest income to average assets | 0.1537% | 4,243 |
| Noninterest expense to average assets | 2.5886% | 1,671 |
| Loan and lease loss provision to assets | -0.3074% | 4,725 |
| Net operating income to assets | 0.4269% | 4,061 |
| Return on assets (ROA) | 0.4269% | 4,009 |
| Pretax return on assets | 0.5362% | 3,947 |
| Return on Equity (ROE) | 6.0557% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.0557% | 2,320 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8788% | 346 |
| Assets per employee ($millions) | 5.1833% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 3,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 64.2820% | 1,879 |
| Net loans and leases to deposits | 69.4095% | 2,266 |
| Net loans and leases to core deposits | 75.9213% | 2,023 |
| Total domestic deposits to total assets | 92.6126% | 615 |
| Equity capital to assets | 7.3313% | 3,579 |
| Core capital (leverage) ratio | 7.0921% | 4,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3290% | 1,928 |
| Memoranda: | ||
| Average total assets | $58,565,000 | 4,430 |
| Average earning assets | $55,394,000 | 4,409 |
| Average equity | $4,128,333 | 4,608 |
| Average total loans | $35,465,000 | 4,223 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1484% | 2,831 |
| Cost of funding earning assets | 0.3935% | 907 |
| Net interest margin | 2.7548% | 3,266 |
| Noninterest income to average assets | 0.7752% | 1,099 |
| Noninterest expense to average assets | 2.5615% | 1,717 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6336% | 3,284 |
| Return on assets (ROA) | 0.6336% | 3,264 |
| Pretax return on assets | 0.8089% | 3,090 |
| Return on Equity (ROE) | 9.1651% | 2,260 |
| Retained earnings to average equity (ytd only) | 9.1651% | 1,226 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0000% | 1,521 |
| Assets per employee ($millions) | 5.6111% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.4852% | 2,358 |
| Net loans and leases to deposits | 61.6782% | 2,743 |
| Net loans and leases to core deposits | 68.2406% | 2,435 |
| Total domestic deposits to total assets | 93.2018% | 226 |
| Equity capital to assets | 6.7237% | 4,330 |
| Core capital (leverage) ratio | 7.2155% | 4,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3357% | 2,062 |
| Memoranda: | ||
| Average total assets | $59,339,500 | 4,449 |
| Average earning assets | $55,901,500 | 4,427 |
| Average equity | $4,102,500 | 4,647 |
| Average total loans | $34,692,000 | 4,253 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5264% | 2,585 |
| Cost of funding earning assets | 0.3989% | 1,551 |
| Net interest margin | 3.1275% | 2,813 |
| Noninterest income to average assets | 0.7774% | 1,513 |
| Noninterest expense to average assets | 2.7350% | 1,529 |
| Loan and lease loss provision to assets | -0.3927% | 4,804 |
| Net operating income to assets | 1.1057% | 2,278 |
| Return on assets (ROA) | 1.1057% | 2,335 |
| Pretax return on assets | 1.3876% | 2,091 |
| Return on Equity (ROE) | 14.4117% | 1,084 |
| Retained earnings to average equity (ytd only) | 14.4117% | 275 |
| Net charge-offs to loans | 0.0171% | 1,943 |
| Credit loss provision to net charge-offs | -3,900.0000% | 4,135 |
| Earnings coverage of net charge-offs (x) | 98.8000% | 889 |
| Efficiency ratio | 73.3261% | 1,385 |
| Assets per employee ($millions) | 5.1779% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 2,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 57.9437% | 2,382 |
| Net loans and leases to deposits | 62.4430% | 2,842 |
| Net loans and leases to core deposits | 68.6461% | 2,593 |
| Total domestic deposits to total assets | 92.7946% | 61 |
| Equity capital to assets | 7.1194% | 4,695 |
| Core capital (leverage) ratio | 7.4472% | 4,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9391% | 1,870 |
| Memoranda: | ||
| Average total assets | $49,652,400 | 4,565 |
| Average earning assets | $46,874,600 | 4,542 |
| Average equity | $3,809,400 | 4,720 |
| Average total loans | $29,256,600 | 4,392 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5964% | 2,570 |
| Cost of funding earning assets | 0.3927% | 1,758 |
| Net interest margin | 3.2037% | 2,717 |
| Noninterest income to average assets | 1.3019% | 694 |
| Noninterest expense to average assets | 2.7962% | 1,348 |
| Loan and lease loss provision to assets | -0.6691% | 4,898 |
| Net operating income to assets | 1.8873% | 572 |
| Return on assets (ROA) | 1.8873% | 594 |
| Pretax return on assets | 2.1996% | 544 |
| Return on Equity (ROE) | 24.0834% | 204 |
| Retained earnings to average equity (ytd only) | 24.0834% | 58 |
| Net charge-offs to loans | 0.0189% | 1,677 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,154 |
| Earnings coverage of net charge-offs (x) | 137.2500% | 715 |
| Efficiency ratio | 64.6263% | 2,293 |
| Assets per employee ($millions) | 5.4111% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 2,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 54.4695% | 2,916 |
| Net loans and leases to deposits | 59.2121% | 3,309 |
| Net loans and leases to core deposits | 65.4876% | 3,002 |
| Total domestic deposits to total assets | 91.9905% | 130 |
| Equity capital to assets | 7.7304% | 4,638 |
| Core capital (leverage) ratio | 8.0303% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8897% | 1,656 |
| Memoranda: | ||
| Average total assets | $47,826,250 | 4,652 |
| Average earning assets | $45,155,500 | 4,625 |
| Average equity | $3,748,000 | 4,795 |
| Average total loans | $28,207,500 | 4,470 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 2,390 |
| Cost of funding earning assets | 0.4069% | 1,827 |
| Net interest margin | 3.2738% | 2,538 |
| Noninterest income to average assets | 0.5992% | 2,224 |
| Noninterest expense to average assets | 2.8777% | 1,189 |
| Loan and lease loss provision to assets | 0.0219% | 2,538 |
| Net operating income to assets | 0.7697% | 3,594 |
| Return on assets (ROA) | 0.7697% | 3,659 |
| Pretax return on assets | 0.7960% | 3,872 |
| Return on Equity (ROE) | 9.7696% | 2,844 |
| Retained earnings to average equity (ytd only) | 9.7696% | 1,477 |
| Net charge-offs to loans | 0.0362% | 1,280 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 37.4000% | 1,194 |
| Efficiency ratio | 77.8698% | 919 |
| Assets per employee ($millions) | 5.6042% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3621% | 326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 53.2694% | 3,228 |
| Net loans and leases to deposits | 57.5159% | 3,593 |
| Net loans and leases to core deposits | 64.0477% | 3,283 |
| Total domestic deposits to total assets | 92.6167% | 58 |
| Equity capital to assets | 7.3001% | 4,784 |
| Core capital (leverage) ratio | 7.5155% | 4,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3232% | 1,859 |
| Memoranda: | ||
| Average total assets | $45,731,333 | 4,698 |
| Average earning assets | $43,253,000 | 4,667 |
| Average equity | $3,603,000 | 4,836 |
| Average total loans | $27,650,000 | 4,515 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7795% | 2,157 |
| Cost of funding earning assets | 0.4275% | 1,877 |
| Net interest margin | 3.3520% | 2,240 |
| Noninterest income to average assets | 0.1936% | 4,225 |
| Noninterest expense to average assets | 2.2869% | 2,834 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0604% | 2,604 |
| Return on assets (ROA) | 1.0604% | 2,685 |
| Pretax return on assets | 1.0881% | 3,139 |
| Return on Equity (ROE) | 12.9087% | 1,695 |
| Retained earnings to average equity (ytd only) | 12.9087% | 933 |
| Net charge-offs to loans | 0.0722% | 837 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 23.6000% | 1,188 |
| Efficiency ratio | 67.7596% | 1,964 |
| Assets per employee ($millions) | 4.9869% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3632% | 325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 59.3735% | 2,623 |
| Net loans and leases to deposits | 64.6357% | 3,070 |
| Net loans and leases to core deposits | 71.1239% | 2,772 |
| Total domestic deposits to total assets | 91.8587% | 171 |
| Equity capital to assets | 8.0678% | 4,450 |
| Core capital (leverage) ratio | 8.4494% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6063% | 2,445 |
| Memoranda: | ||
| Average total assets | $43,378,000 | 4,745 |
| Average earning assets | $41,169,500 | 4,722 |
| Average equity | $3,563,500 | 4,864 |
| Average total loans | $27,716,000 | 4,537 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6042% | 1,090 |
| Cost of funding earning assets | 0.6139% | 2,215 |
| Net interest margin | 3.9903% | 988 |
| Noninterest income to average assets | 0.2867% | 3,768 |
| Noninterest expense to average assets | 3.2912% | 920 |
| Loan and lease loss provision to assets | 0.2196% | 1,783 |
| Net operating income to assets | 0.5373% | 3,948 |
| Return on assets (ROA) | 0.5373% | 4,038 |
| Pretax return on assets | 0.5373% | 4,204 |
| Return on Equity (ROE) | 6.0504% | 3,570 |
| Retained earnings to average equity (ytd only) | 6.0504% | 1,775 |
| Net charge-offs to loans | 0.3126% | 565 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 3.4471% | 3,085 |
| Efficiency ratio | 81.3019% | 791 |
| Assets per employee ($millions) | 4.6527% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3100% | 348 |
| Loan loss allowance to noncurrent loans | 13,000.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 4,358 |
| Noncurrent loans to loans | 0.0178% | 4,279 |
| Net loans and leases to total assets | 65.6469% | 2,140 |
| Net loans and leases to deposits | 71.6830% | 2,717 |
| Net loans and leases to core deposits | 79.4686% | 2,409 |
| Total domestic deposits to total assets | 91.5795% | 121 |
| Equity capital to assets | 8.3727% | 4,537 |
| Core capital (leverage) ratio | 8.3759% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4088% | 1,713 |
| Memoranda: | ||
| Average total assets | $38,709,800 | 4,786 |
| Average earning assets | $36,488,800 | 4,762 |
| Average equity | $3,437,800 | 4,886 |
| Average total loans | $27,194,200 | 4,575 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7603% | 947 |
| Cost of funding earning assets | 0.6560% | 2,294 |
| Net interest margin | 4.1044% | 891 |
| Noninterest income to average assets | 0.2848% | 3,781 |
| Noninterest expense to average assets | 3.3369% | 859 |
| Loan and lease loss provision to assets | 0.0923% | 3,160 |
| Net operating income to assets | 0.7068% | 3,435 |
| Return on assets (ROA) | 0.7068% | 3,539 |
| Pretax return on assets | 0.7068% | 3,886 |
| Return on Equity (ROE) | 7.8343% | 2,868 |
| Retained earnings to average equity (ytd only) | 7.8343% | 1,362 |
| Net charge-offs to loans | 0.4253% | 374 |
| Credit loss provision to net charge-offs | 30.2326% | 2,953 |
| Earnings coverage of net charge-offs (x) | 2.6395% | 2,975 |
| Efficiency ratio | 80.6973% | 822 |
| Assets per employee ($millions) | 4.7884% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0570% | 449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 65.1870% | 2,620 |
| Net loans and leases to deposits | 71.0639% | 3,208 |
| Net loans and leases to core deposits | 78.5093% | 2,969 |
| Total domestic deposits to total assets | 91.7301% | 80 |
| Equity capital to assets | 8.1191% | 4,672 |
| Core capital (leverage) ratio | 8.5398% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8017% | 1,561 |
| Memoranda: | ||
| Average total assets | $37,918,750 | 4,819 |
| Average earning assets | $35,570,750 | 4,796 |
| Average equity | $3,420,750 | 4,914 |
| Average total loans | $26,958,000 | 4,604 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0287% | 788 |
| Cost of funding earning assets | 0.7252% | 2,266 |
| Net interest margin | 4.3035% | 749 |
| Noninterest income to average assets | 0.2818% | 3,779 |
| Noninterest expense to average assets | 3.3156% | 967 |
| Loan and lease loss provision to assets | 0.0884% | 3,172 |
| Net operating income to assets | 0.8786% | 2,779 |
| Return on assets (ROA) | 0.8786% | 2,893 |
| Pretax return on assets | 0.8786% | 3,378 |
| Return on Equity (ROE) | 9.3676% | 2,216 |
| Retained earnings to average equity (ytd only) | 9.3676% | 921 |
| Net charge-offs to loans | 0.6519% | 243 |
| Credit loss provision to net charge-offs | 18.6047% | 2,733 |
| Earnings coverage of net charge-offs (x) | 2.0349% | 2,810 |
| Efficiency ratio | 77.4194% | 1,111 |
| Assets per employee ($millions) | 3.8805% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0499% | 408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6544% | 520 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 71.4186% | 1,812 |
| Net loans and leases to deposits | 78.5656% | 2,593 |
| Net loans and leases to core deposits | 86.7852% | 2,372 |
| Total domestic deposits to total assets | 90.9032% | 169 |
| Equity capital to assets | 8.9086% | 4,167 |
| Core capital (leverage) ratio | 9.0061% | 3,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9928% | 1,825 |
| Memoranda: | ||
| Average total assets | $36,193,000 | 4,861 |
| Average earning assets | $33,647,000 | 4,846 |
| Average equity | $3,394,667 | 4,947 |
| Average total loans | $26,383,000 | 4,636 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0674% | 850 |
| Cost of funding earning assets | 0.7558% | 2,631 |
| Net interest margin | 4.3117% | 743 |
| Noninterest income to average assets | 0.4013% | 3,088 |
| Noninterest expense to average assets | 3.3480% | 1,145 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5135% | 758 |
| Return on assets (ROA) | 1.5135% | 827 |
| Pretax return on assets | 1.0434% | 2,690 |
| Return on Equity (ROE) | 15.6979% | 461 |
| Retained earnings to average equity (ytd only) | 15.6979% | 157 |
| Net charge-offs to loans | 1.3529% | 109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.0581% | 2,420 |
| Efficiency ratio | 76.2402% | 1,536 |
| Assets per employee ($millions) | 3.6205% | 4,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1858% | 385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7401% | 548 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 69.7114% | 2,293 |
| Net loans and leases to deposits | 77.1929% | 2,952 |
| Net loans and leases to core deposits | 85.9551% | 2,683 |
| Total domestic deposits to total assets | 90.3080% | 237 |
| Equity capital to assets | 9.4711% | 4,247 |
| Core capital (leverage) ratio | 9.6810% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6003% | 1,440 |
| Memoranda: | ||
| Average total assets | $34,887,000 | 4,912 |
| Average earning assets | $32,284,500 | 4,900 |
| Average equity | $3,363,500 | 4,995 |
| Average total loans | $25,427,500 | 4,684 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3536% | 742 |
| Cost of funding earning assets | 0.6566% | 3,380 |
| Net interest margin | 4.6970% | 474 |
| Noninterest income to average assets | 0.3870% | 3,373 |
| Noninterest expense to average assets | 3.0502% | 1,880 |
| Loan and lease loss provision to assets | 0.3139% | 516 |
| Net operating income to assets | 1.4261% | 1,254 |
| Return on assets (ROA) | 1.4261% | 1,321 |
| Pretax return on assets | 1.4261% | 2,061 |
| Return on Equity (ROE) | 15.3785% | 623 |
| Retained earnings to average equity (ytd only) | 15.3785% | 86 |
| Net charge-offs to loans | 0.0040% | 3,539 |
| Credit loss provision to net charge-offs | 10,300.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 571.0000% | 172 |
| Efficiency ratio | 63.6768% | 3,121 |
| Assets per employee ($millions) | 3.7299% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5946% | 190 |
| Loan loss allowance to noncurrent loans | 92.8571% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 2.0853% | 367 |
| Noncurrent loans to loans | 2.7942% | 360 |
| Net loans and leases to total assets | 72.6921% | 1,972 |
| Net loans and leases to deposits | 80.8147% | 2,683 |
| Net loans and leases to core deposits | 90.8150% | 2,345 |
| Total domestic deposits to total assets | 89.9491% | 336 |
| Equity capital to assets | 9.8245% | 4,084 |
| Core capital (leverage) ratio | 9.8053% | 3,726 |
| Tier 1 risk-based capital ratio | 15.3239% | 2,647 |
| Total risk-based capital ratio | 16.5923% | 2,571 |
| Memoranda: | ||
| Average total assets | $32,817,200 | 4,995 |
| Average earning assets | $30,764,400 | 4,974 |
| Average equity | $3,043,200 | 5,069 |
| Average total loans | $24,907,000 | 4,750 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3680% | 750 |
| Cost of funding earning assets | 0.6259% | 3,551 |
| Net interest margin | 4.7421% | 459 |
| Noninterest income to average assets | 0.3964% | 3,340 |
| Noninterest expense to average assets | 3.4283% | 1,042 |
| Loan and lease loss provision to assets | 0.1716% | 1,074 |
| Net operating income to assets | 1.2545% | 2,001 |
| Return on assets (ROA) | 1.2545% | 2,081 |
| Pretax return on assets | 1.2545% | 2,804 |
| Return on Equity (ROE) | 13.7379% | 1,041 |
| Retained earnings to average equity (ytd only) | 13.7379% | 216 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6229% | 2,034 |
| Assets per employee ($millions) | 4.1690% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2341% | 316 |
| 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 | 77.4136% | 1,238 |
| Net loans and leases to deposits | 85.5841% | 2,250 |
| Net loans and leases to core deposits | 96.1530% | 1,980 |
| Total domestic deposits to total assets | 90.4533% | 178 |
| Equity capital to assets | 9.3997% | 4,530 |
| Core capital (leverage) ratio | 9.4359% | 4,239 |
| Tier 1 risk-based capital ratio | 14.4717% | 3,089 |
| Total risk-based capital ratio | 15.7365% | 3,002 |
| Memoranda: | ||
| Average total assets | $32,629,250 | 5,076 |
| Average earning assets | $30,675,000 | 5,051 |
| Average equity | $2,979,500 | 5,148 |
| Average total loans | $24,870,750 | 4,824 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1920% | 992 |
| Cost of funding earning assets | 0.5638% | 3,817 |
| Net interest margin | 4.6282% | 582 |
| Noninterest income to average assets | 0.4199% | 3,137 |
| Noninterest expense to average assets | 3.4642% | 1,001 |
| Loan and lease loss provision to assets | 0.1050% | 1,784 |
| Net operating income to assets | 1.2103% | 2,113 |
| Return on assets (ROA) | 1.2103% | 2,176 |
| Pretax return on assets | 1.2103% | 2,879 |
| Return on Equity (ROE) | 13.3895% | 1,125 |
| Retained earnings to average equity (ytd only) | 13.3895% | 267 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4806% | 1,846 |
| Assets per employee ($millions) | 4.1769% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2095% | 330 |
| 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 | 74.8347% | 1,751 |
| Net loans and leases to deposits | 82.3839% | 2,685 |
| Net loans and leases to core deposits | 91.4430% | 2,468 |
| Total domestic deposits to total assets | 90.8365% | 123 |
| Equity capital to assets | 9.0528% | 4,768 |
| Core capital (leverage) ratio | 9.3353% | 4,326 |
| Tier 1 risk-based capital ratio | 14.7016% | 2,963 |
| Total risk-based capital ratio | 15.9701% | 2,883 |
| Memoranda: | ||
| Average total assets | $32,388,330 | 5,120 |
| Average earning assets | $30,508,330 | 5,093 |
| Average equity | $2,927,670 | 5,192 |
| Average total loans | $24,358,000 | 4,876 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2876% | 776 |
| Cost of funding earning assets | 0.5355% | 3,895 |
| Net interest margin | 4.7522% | 443 |
| Noninterest income to average assets | 0.4392% | 2,915 |
| Noninterest expense to average assets | 3.4886% | 981 |
| Loan and lease loss provision to assets | 0.1506% | 1,116 |
| Net operating income to assets | 1.2549% | 1,867 |
| Return on assets (ROA) | 1.2549% | 1,914 |
| Pretax return on assets | 1.2549% | 2,608 |
| Return on Equity (ROE) | 13.8937% | 991 |
| Retained earnings to average equity (ytd only) | 13.8937% | 362 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2821% | 2,149 |
| Assets per employee ($millions) | 4.0538% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2745% | 313 |
| 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 | 74.1936% | 1,767 |
| Net loans and leases to deposits | 81.6208% | 2,650 |
| Net loans and leases to core deposits | 88.3978% | 2,646 |
| Total domestic deposits to total assets | 90.9004% | 193 |
| Equity capital to assets | 9.0318% | 4,656 |
| Core capital (leverage) ratio | 9.1732% | 4,498 |
| Tier 1 risk-based capital ratio | 14.4599% | 3,111 |
| Total risk-based capital ratio | 15.7237% | 3,037 |
| Memoranda: | ||
| Average total assets | $31,875,000 | 5,179 |
| Average earning assets | $29,881,000 | 5,158 |
| Average equity | $2,879,000 | 5,248 |
| Average total loans | $23,751,500 | 4,949 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6912% | 1,850 |
| Cost of funding earning assets | 0.2553% | 4,779 |
| Net interest margin | 4.4359% | 868 |
| Noninterest income to average assets | 0.5176% | 2,730 |
| Noninterest expense to average assets | 4.0281% | 514 |
| Loan and lease loss provision to assets | 0.0599% | 2,964 |
| Net operating income to assets | 0.5282% | 4,600 |
| Return on assets (ROA) | 0.5282% | 4,595 |
| Pretax return on assets | 0.5282% | 4,760 |
| Return on Equity (ROE) | 5.5107% | 4,321 |
| Retained earnings to average equity (ytd only) | 5.5107% | 2,479 |
| Net charge-offs to loans | 0.0052% | 3,525 |
| Credit loss provision to net charge-offs | 1,700.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 517 |
| Efficiency ratio | 87.2616% | 463 |
| Assets per employee ($millions) | 3.9150% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3949% | 258 |
| 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 | 71.3091% | 2,378 |
| Net loans and leases to deposits | 84.3174% | 2,480 |
| Net loans and leases to core deposits | 90.1291% | 2,565 |
| Total domestic deposits to total assets | 84.5722% | 2,810 |
| Equity capital to assets | 9.0326% | 4,548 |
| Core capital (leverage) ratio | 9.6346% | 3,964 |
| Tier 1 risk-based capital ratio | 14.9020% | 2,876 |
| Total risk-based capital ratio | 16.1715% | 2,794 |
| Memoranda: | ||
| Average total assets | $28,400,400 | 5,262 |
| Average earning assets | $26,240,600 | 5,243 |
| Average equity | $2,722,000 | 5,303 |
| Average total loans | $19,121,600 | 5,097 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5184% | 2,234 |
| Cost of funding earning assets | 0.2199% | 4,942 |
| Net interest margin | 4.2985% | 1,114 |
| Noninterest income to average assets | 0.5252% | 2,716 |
| Noninterest expense to average assets | 4.1680% | 414 |
| Loan and lease loss provision to assets | 0.0337% | 3,343 |
| Net operating income to assets | 0.2795% | 5,115 |
| Return on assets (ROA) | 0.2795% | 5,109 |
| Pretax return on assets | 0.2795% | 5,156 |
| Return on Equity (ROE) | 2.8691% | 5,018 |
| Retained earnings to average equity (ytd only) | 2.8691% | 4,285 |
| Net charge-offs to loans | 0.0073% | 3,160 |
| Credit loss provision to net charge-offs | 700.0000% | 529 |
| Earnings coverage of net charge-offs (x) | 65.1579% | 1,001 |
| Efficiency ratio | 93.0108% | 259 |
| Assets per employee ($millions) | 3.5829% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5729% | 219 |
| 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 | 71.0742% | 2,482 |
| Net loans and leases to deposits | 78.6169% | 3,177 |
| Net loans and leases to core deposits | 84.1644% | 3,143 |
| Total domestic deposits to total assets | 90.4057% | 377 |
| Equity capital to assets | 9.5489% | 4,034 |
| Core capital (leverage) ratio | 9.7698% | 3,878 |
| Tier 1 risk-based capital ratio | 12.8836% | 3,971 |
| Total risk-based capital ratio | 14.1452% | 3,869 |
| Memoranda: | ||
| Average total assets | $27,670,500 | 5,340 |
| Average earning assets | $25,465,500 | 5,324 |
| Average equity | $2,695,250 | 5,374 |
| Average total loans | $18,181,500 | 5,176 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 2,561 |
| Cost of funding earning assets | 0.2146% | 4,951 |
| Net interest margin | 4.1409% | 1,442 |
| Noninterest income to average assets | 0.4609% | 3,087 |
| Noninterest expense to average assets | 4.1771% | 426 |
| Loan and lease loss provision to assets | 0.0073% | 3,693 |
| Net operating income to assets | 0.0878% | 5,303 |
| Return on assets (ROA) | 0.0878% | 5,295 |
| Pretax return on assets | 0.0878% | 5,298 |
| Return on Equity (ROE) | 0.8951% | 5,282 |
| Retained earnings to average equity (ytd only) | 0.8951% | 4,783 |
| Net charge-offs to loans | -0.0232% | 4,627 |
| Credit loss provision to net charge-offs | -50.0000% | 4,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7740% | 194 |
| Assets per employee ($millions) | 3.5209% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8358% | 175 |
| 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 | 65.0797% | 3,268 |
| Net loans and leases to deposits | 72.1636% | 3,703 |
| Net loans and leases to core deposits | 76.3983% | 3,716 |
| Total domestic deposits to total assets | 90.1835% | 512 |
| Equity capital to assets | 9.5537% | 4,049 |
| Core capital (leverage) ratio | 9.5922% | 4,004 |
| Tier 1 risk-based capital ratio | 16.6091% | 2,223 |
| Total risk-based capital ratio | 17.8805% | 2,162 |
| Memoranda: | ||
| Average total assets | $27,339,670 | 5,409 |
| Average earning assets | $25,163,670 | 5,390 |
| Average equity | $2,681,330 | 5,438 |
| Average total loans | $17,272,000 | 5,261 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 3,734 |
| Cost of funding earning assets | 0.2096% | 4,955 |
| Net interest margin | 3.7562% | 2,591 |
| Noninterest income to average assets | 0.3417% | 3,863 |
| Noninterest expense to average assets | 3.8773% | 605 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.0743% | 5,412 |
| Return on assets (ROA) | -0.0743% | 5,405 |
| Pretax return on assets | -0.0743% | 5,408 |
| Return on Equity (ROE) | -0.7472% | 5,411 |
| Retained earnings to average equity (ytd only) | -0.7472% | 4,887 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9531% | 159 |
| Assets per employee ($millions) | 3.4631% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1565% | 127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 58.9136% | 3,856 |
| Net loans and leases to deposits | 65.4582% | 4,127 |
| Net loans and leases to core deposits | 70.2717% | 4,070 |
| Total domestic deposits to total assets | 90.0018% | 654 |
| Equity capital to assets | 9.6517% | 3,941 |
| Core capital (leverage) ratio | 10.1492% | 3,361 |
| Tier 1 risk-based capital ratio | 18.8138% | 1,599 |
| Total risk-based capital ratio | 20.0943% | 1,550 |
| Memoranda: | ||
| Average total assets | $26,926,000 | 5,468 |
| Average earning assets | $24,812,000 | 5,451 |
| Average equity | $2,676,500 | 5,495 |
| Average total loans | $16,475,000 | 5,339 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0216% | 3,333 |
| Cost of funding earning assets | 0.3330% | 3,845 |
| Net interest margin | 3.6886% | 2,841 |
| Noninterest income to average assets | 0.3951% | 3,671 |
| Noninterest expense to average assets | 3.1333% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6322% | 3,883 |
| Return on assets (ROA) | 0.6322% | 3,921 |
| Pretax return on assets | 0.6322% | 4,670 |
| Return on Equity (ROE) | 6.1307% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.1307% | 1,466 |
| Net charge-offs to loans | -0.0199% | 4,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2109% | 840 |
| Assets per employee ($millions) | 3.2684% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3052% | 101 |
| 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 | 59.5250% | 3,873 |
| Net loans and leases to deposits | 66.6752% | 4,133 |
| Net loans and leases to core deposits | 71.9390% | 4,050 |
| Total domestic deposits to total assets | 89.2760% | 881 |
| Equity capital to assets | 10.2459% | 3,440 |
| Core capital (leverage) ratio | 10.0548% | 3,384 |
| Tier 1 risk-based capital ratio | 19.2002% | 1,470 |
| Total risk-based capital ratio | 20.4759% | 1,436 |
| Memoranda: | ||
| Average total assets | $25,308,400 | 5,543 |
| Average earning assets | $23,125,400 | 5,532 |
| Average equity | $2,609,800 | 5,561 |
| Average total loans | $15,059,800 | 5,438 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9519% | 3,516 |
| Cost of funding earning assets | 0.3672% | 3,489 |
| Net interest margin | 3.5847% | 3,215 |
| Noninterest income to average assets | 0.4940% | 3,059 |
| Noninterest expense to average assets | 3.1289% | 1,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6321% | 4,265 |
| Return on assets (ROA) | 0.6321% | 4,321 |
| Pretax return on assets | 0.6321% | 4,775 |
| Return on Equity (ROE) | 6.1200% | 4,069 |
| Retained earnings to average equity (ytd only) | 6.1200% | 2,157 |
| Net charge-offs to loans | -0.0270% | 4,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1921% | 821 |
| Assets per employee ($millions) | 3.0558% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2783% | 113 |
| 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 | 64.2068% | 3,363 |
| Net loans and leases to deposits | 72.4553% | 3,723 |
| Net loans and leases to core deposits | 78.6570% | 3,574 |
| Total domestic deposits to total assets | 88.6157% | 1,059 |
| Equity capital to assets | 10.7870% | 3,081 |
| Core capital (leverage) ratio | 10.9016% | 2,546 |
| Tier 1 risk-based capital ratio | 16.6121% | 2,282 |
| Total risk-based capital ratio | 17.8846% | 2,228 |
| Memoranda: | ||
| Average total assets | $25,098,750 | 5,604 |
| Average earning assets | $22,874,750 | 5,596 |
| Average equity | $2,592,500 | 5,623 |
| Average total loans | $14,800,750 | 5,501 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7912% | 3,924 |
| Cost of funding earning assets | 0.4338% | 2,767 |
| Net interest margin | 3.3574% | 3,921 |
| Noninterest income to average assets | 0.5056% | 2,988 |
| Noninterest expense to average assets | 2.9704% | 2,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5925% | 4,345 |
| Return on assets (ROA) | 0.5925% | 4,387 |
| Pretax return on assets | 0.5925% | 4,823 |
| Return on Equity (ROE) | 5.8192% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.8192% | 2,218 |
| Net charge-offs to loans | -0.0419% | 5,093 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3703% | 888 |
| Assets per employee ($millions) | 3.1694% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4443% | 101 |
| Loan loss allowance to noncurrent loans | 1,364.1026% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 4,564 |
| Noncurrent loans to loans | 0.2525% | 4,132 |
| Net loans and leases to total assets | 58.8207% | 3,939 |
| Net loans and leases to deposits | 66.0058% | 4,221 |
| Net loans and leases to core deposits | 71.4033% | 4,133 |
| Total domestic deposits to total assets | 89.1146% | 905 |
| Equity capital to assets | 10.2307% | 3,644 |
| Core capital (leverage) ratio | 10.4131% | 3,013 |
| Tier 1 risk-based capital ratio | 19.6129% | 1,448 |
| Total risk-based capital ratio | 20.8907% | 1,402 |
| Memoranda: | ||
| Average total assets | $25,316,330 | 5,651 |
| Average earning assets | $23,053,670 | 5,639 |
| Average equity | $2,577,670 | 5,673 |
| Average total loans | $14,325,000 | 5,561 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6179% | 4,372 |
| Cost of funding earning assets | 0.4348% | 2,663 |
| Net interest margin | 3.1831% | 4,398 |
| Noninterest income to average assets | 1.5970% | 434 |
| Noninterest expense to average assets | 2.8778% | 2,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6128% | 660 |
| Return on assets (ROA) | 1.6128% | 676 |
| Pretax return on assets | 1.6128% | 1,199 |
| Return on Equity (ROE) | 15.8786% | 538 |
| Retained earnings to average equity (ytd only) | 15.8786% | 201 |
| Net charge-offs to loans | -0.0872% | 5,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0845% | 3,816 |
| Assets per employee ($millions) | 3.6136% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8224% | 89 |
| 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 | 52.9195% | 4,436 |
| Net loans and leases to deposits | 59.5781% | 4,594 |
| Net loans and leases to core deposits | 64.4798% | 4,509 |
| Total domestic deposits to total assets | 88.8239% | 1,240 |
| Equity capital to assets | 10.3617% | 3,336 |
| Core capital (leverage) ratio | 10.4983% | 2,903 |
| Tier 1 risk-based capital ratio | 17.8299% | 1,932 |
| Total risk-based capital ratio | 19.1088% | 1,874 |
| Memoranda: | ||
| Average total assets | $25,297,000 | 5,723 |
| Average earning assets | $22,996,500 | 5,706 |
| Average equity | $2,569,500 | 5,737 |
| Average total loans | $13,764,500 | 5,642 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4651% | 4,861 |
| Cost of funding earning assets | 0.4795% | 2,262 |
| Net interest margin | 2.9857% | 4,989 |
| Noninterest income to average assets | 0.4589% | 3,487 |
| Noninterest expense to average assets | 2.8405% | 2,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3284% | 5,152 |
| Return on assets (ROA) | 0.3284% | 5,223 |
| Pretax return on assets | 0.3284% | 5,328 |
| Return on Equity (ROE) | 3.2783% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.2783% | 3,579 |
| Net charge-offs to loans | -0.0699% | 5,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6380% | 577 |
| Assets per employee ($millions) | 3.6141% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8866% | 85 |
| 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 | 51.7096% | 4,636 |
| Net loans and leases to deposits | 58.0082% | 4,784 |
| Net loans and leases to core deposits | 62.7615% | 4,709 |
| Total domestic deposits to total assets | 89.1419% | 1,042 |
| Equity capital to assets | 9.9530% | 3,766 |
| Core capital (leverage) ratio | 10.1733% | 3,265 |
| Tier 1 risk-based capital ratio | 20.4383% | 1,297 |
| Total risk-based capital ratio | 21.7208% | 1,264 |
| Memoranda: | ||
| Average total assets | $25,277,600 | 5,774 |
| Average earning assets | $22,942,800 | 5,759 |
| Average equity | $2,531,800 | 5,798 |
| Average total loans | $12,879,400 | 5,716 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4501% | 4,923 |
| Cost of funding earning assets | 0.4821% | 2,241 |
| Net interest margin | 2.9681% | 5,067 |
| Noninterest income to average assets | 1.1132% | 921 |
| Noninterest expense to average assets | 2.8859% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9233% | 2,790 |
| Return on assets (ROA) | 0.9233% | 2,918 |
| Pretax return on assets | 0.9233% | 3,895 |
| Return on Equity (ROE) | 9.2034% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.2034% | 755 |
| Net charge-offs to loans | -0.0420% | 5,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7618% | 2,011 |
| Assets per employee ($millions) | 3.5770% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9803% | 77 |
| Loan loss allowance to noncurrent loans | 1,218.6047% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 4,754 |
| Noncurrent loans to loans | 0.3266% | 4,086 |
| Net loans and leases to total assets | 50.4852% | 4,789 |
| Net loans and leases to deposits | 57.0108% | 4,932 |
| Net loans and leases to core deposits | 57.0108% | 5,096 |
| Total domestic deposits to total assets | 88.5539% | 1,130 |
| Equity capital to assets | 10.4277% | 3,636 |
| Core capital (leverage) ratio | 10.0497% | 3,505 |
| Tier 1 risk-based capital ratio | 26.9955% | 643 |
| Total risk-based capital ratio | 28.2878% | 625 |
| Memoranda: | ||
| Average total assets | $25,272,250 | 5,836 |
| Average earning assets | $22,955,000 | 5,822 |
| Average equity | $2,535,250 | 5,861 |
| Average total loans | $12,696,500 | 5,777 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4128% | 5,049 |
| Cost of funding earning assets | 0.4863% | 2,218 |
| Net interest margin | 2.9265% | 5,217 |
| Noninterest income to average assets | 0.3866% | 3,978 |
| Noninterest expense to average assets | 2.9112% | 2,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1341% | 5,627 |
| Return on assets (ROA) | 1.2229% | 1,620 |
| Pretax return on assets | 1.2229% | 2,691 |
| Return on Equity (ROE) | 12.3506% | 1,200 |
| Retained earnings to average equity (ytd only) | 12.3506% | 283 |
| Net charge-offs to loans | -0.0478% | 5,346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5959% | 360 |
| Assets per employee ($millions) | 3.7919% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0175% | 76 |
| 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 | 47.0746% | 5,062 |
| Net loans and leases to deposits | 52.7883% | 5,215 |
| Net loans and leases to core deposits | 58.0030% | 5,074 |
| Total domestic deposits to total assets | 89.1761% | 831 |
| Equity capital to assets | 9.7615% | 4,499 |
| Core capital (leverage) ratio | 10.1191% | 3,429 |
| Tier 1 risk-based capital ratio | 22.5677% | 1,071 |
| Total risk-based capital ratio | 23.8568% | 1,046 |
| Memoranda: | ||
| Average total assets | $25,350,000 | 5,909 |
| Average earning assets | $23,030,670 | 5,895 |
| Average equity | $2,510,000 | 5,937 |
| Average total loans | $12,540,330 | 5,853 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3589% | 5,206 |
| Cost of funding earning assets | 0.4109% | 2,950 |
| Net interest margin | 2.9480% | 5,229 |
| Noninterest income to average assets | 1.4867% | 510 |
| Noninterest expense to average assets | 3.0703% | 2,178 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0827% | 1,976 |
| Return on assets (ROA) | 1.0827% | 2,076 |
| Pretax return on assets | 1.0827% | 3,161 |
| Return on Equity (ROE) | 10.8524% | 1,652 |
| Retained earnings to average equity (ytd only) | 10.8524% | 679 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9300% | 2,487 |
| Assets per employee ($millions) | 3.5350% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2541% | 78 |
| 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 | 47.3874% | 5,015 |
| Net loans and leases to deposits | 53.4555% | 5,136 |
| Net loans and leases to core deposits | 56.1106% | 5,127 |
| Total domestic deposits to total assets | 88.6482% | 1,274 |
| Equity capital to assets | 10.1152% | 3,929 |
| Core capital (leverage) ratio | 10.1373% | 3,383 |
| Tier 1 risk-based capital ratio | 20.2902% | 1,442 |
| Total risk-based capital ratio | 21.5710% | 1,413 |
| Memoranda: | ||
| Average total assets | $24,753,500 | 5,975 |
| Average earning assets | $22,388,000 | 5,964 |
| Average equity | $2,469,500 | 5,996 |
| Average total loans | $12,301,500 | 5,913 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1637% | 5,555 |
| Cost of funding earning assets | 0.5295% | 1,929 |
| Net interest margin | 2.6341% | 5,727 |
| Noninterest income to average assets | 0.3598% | 4,325 |
| Noninterest expense to average assets | 2.8539% | 3,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1145% | 5,931 |
| Return on assets (ROA) | -0.1472% | 5,961 |
| Pretax return on assets | -0.1472% | 5,947 |
| Return on Equity (ROE) | -1.4597% | 5,956 |
| Retained earnings to average equity (ytd only) | -1.4597% | 5,705 |
| Net charge-offs to loans | -0.0341% | 5,438 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1791% | 212 |
| Assets per employee ($millions) | 3.5374% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2085% | 75 |
| 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 | 47.7990% | 5,029 |
| Net loans and leases to deposits | 53.7853% | 5,174 |
| Net loans and leases to core deposits | 53.7853% | 5,330 |
| Total domestic deposits to total assets | 88.8700% | 1,195 |
| Equity capital to assets | 9.8377% | 4,147 |
| Core capital (leverage) ratio | 9.9429% | 3,589 |
| Tier 1 risk-based capital ratio | 17.3480% | 2,163 |
| Total risk-based capital ratio | 18.6298% | 2,111 |
| Memoranda: | ||
| Average total assets | $24,458,000 | 6,035 |
| Average earning assets | $22,094,600 | 6,027 |
| Average equity | $2,466,200 | 6,055 |
| Average total loans | $11,743,600 | 5,977 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3539% | 5,305 |
| Cost of funding earning assets | 0.5710% | 1,620 |
| Net interest margin | 2.7828% | 5,613 |
| Noninterest income to average assets | 0.4594% | 3,643 |
| Noninterest expense to average assets | 2.7944% | 3,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0164% | 5,952 |
| Return on assets (ROA) | -0.0164% | 5,983 |
| Pretax return on assets | -0.0164% | 5,978 |
| Return on Equity (ROE) | -0.1617% | 5,982 |
| Retained earnings to average equity (ytd only) | -0.1617% | 5,627 |
| Net charge-offs to loans | -0.0345% | 5,411 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5906% | 290 |
| Assets per employee ($millions) | 4.1217% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1865% | 83 |
| Loan loss allowance to noncurrent loans | 1,104.2553% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 4,989 |
| Noncurrent loans to loans | 0.3791% | 4,252 |
| Net loans and leases to total assets | 48.0307% | 5,077 |
| Net loans and leases to deposits | 54.2102% | 5,241 |
| Net loans and leases to core deposits | 58.7932% | 5,143 |
| Total domestic deposits to total assets | 88.6009% | 1,240 |
| Equity capital to assets | 9.9838% | 4,170 |
| Core capital (leverage) ratio | 10.1546% | 3,431 |
| Tier 1 risk-based capital ratio | 21.6086% | 1,249 |
| Total risk-based capital ratio | 22.8952% | 1,218 |
| Memoranda: | ||
| Average total assets | $24,382,000 | 6,124 |
| Average earning assets | $20,314,500 | 6,143 |
| Average equity | $2,473,750 | 6,137 |
| Average total loans | $11,590,500 | 6,057 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0613% | 5,785 |
| Cost of funding earning assets | 0.5392% | 1,911 |
| Net interest margin | 2.5222% | 5,943 |
| Noninterest income to average assets | 0.3462% | 4,482 |
| Noninterest expense to average assets | 2.7446% | 3,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1236% | 6,059 |
| Return on assets (ROA) | -0.1154% | 6,086 |
| Pretax return on assets | -0.1154% | 6,074 |
| Return on Equity (ROE) | -1.1312% | 6,088 |
| Retained earnings to average equity (ytd only) | -1.1312% | 5,710 |
| Net charge-offs to loans | -0.0177% | 5,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7170% | 240 |
| Assets per employee ($millions) | 3.4013% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3858% | 80 |
| 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 | 47.3392% | 5,160 |
| Net loans and leases to deposits | 53.7072% | 5,275 |
| Net loans and leases to core deposits | 58.4656% | 5,167 |
| Total domestic deposits to total assets | 88.1431% | 1,578 |
| Equity capital to assets | 10.3238% | 3,658 |
| Core capital (leverage) ratio | 9.9980% | 3,607 |
| Tier 1 risk-based capital ratio | 18.1670% | 2,019 |
| Total risk-based capital ratio | 19.4457% | 1,970 |
| Memoranda: | ||
| Average total assets | $24,266,000 | 6,197 |
| Average earning assets | $21,886,000 | 6,187 |
| Average equity | $2,475,330 | 6,207 |
| Average total loans | $11,321,670 | 6,134 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0721% | 5,816 |
| Cost of funding earning assets | 0.5272% | 2,033 |
| Net interest margin | 2.5449% | 5,970 |
| Noninterest income to average assets | 0.8002% | 1,707 |
| Noninterest expense to average assets | 2.6782% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4083% | 5,041 |
| Return on assets (ROA) | 0.4083% | 5,152 |
| Pretax return on assets | 0.4083% | 5,418 |
| Return on Equity (ROE) | 4.0258% | 4,971 |
| Retained earnings to average equity (ytd only) | 4.0258% | 3,590 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7725% | 1,112 |
| Assets per employee ($millions) | 3.4746% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6824% | 82 |
| 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 | 43.1872% | 5,411 |
| Net loans and leases to deposits | 49.0200% | 5,513 |
| Net loans and leases to core deposits | 53.2657% | 5,406 |
| Total domestic deposits to total assets | 88.1013% | 1,756 |
| Equity capital to assets | 10.2623% | 3,816 |
| Core capital (leverage) ratio | 10.3149% | 3,199 |
| Tier 1 risk-based capital ratio | 18.9435% | 1,886 |
| Total risk-based capital ratio | 20.2262% | 1,837 |
| Memoranda: | ||
| Average total assets | $24,494,500 | 6,261 |
| Average earning assets | $22,004,500 | 6,248 |
| Average equity | $2,484,000 | 6,270 |
| Average total loans | $11,088,500 | 6,202 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9362% | 6,106 |
| Cost of funding earning assets | 0.5882% | 1,877 |
| Net interest margin | 2.3480% | 6,249 |
| Noninterest income to average assets | 0.3480% | 4,616 |
| Noninterest expense to average assets | 2.7801% | 3,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.3564% | 6,257 |
| Return on assets (ROA) | -0.3564% | 6,253 |
| Pretax return on assets | -0.3564% | 6,239 |
| Return on Equity (ROE) | -3.2383% | 6,258 |
| Retained earnings to average equity (ytd only) | -3.2383% | 6,107 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.7059% | 165 |
| Assets per employee ($millions) | 4.1327% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6249% | 86 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 42.9142% | 5,547 |
| Net loans and leases to deposits | 48.9421% | 5,637 |
| Net loans and leases to core deposits | 53.1147% | 5,554 |
| Total domestic deposits to total assets | 87.6835% | 1,933 |
| Equity capital to assets | 10.4573% | 3,536 |
| Core capital (leverage) ratio | 10.5129% | 2,929 |
| Tier 1 risk-based capital ratio | 21.9951% | 1,224 |
| Total risk-based capital ratio | 23.2844% | 1,195 |
| Memoranda: | ||
| Average total assets | $23,847,800 | 6,355 |
| Average earning assets | $21,082,000 | 6,351 |
| Average equity | $2,624,800 | 6,329 |
| Average total loans | $10,049,000 | 6,313 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8869% | 6,214 |
| Cost of funding earning assets | 0.5940% | 1,892 |
| Net interest margin | 2.2929% | 6,342 |
| Noninterest income to average assets | 0.2936% | 5,096 |
| Noninterest expense to average assets | 2.7953% | 3,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.4744% | 6,363 |
| Return on assets (ROA) | -0.4744% | 6,359 |
| Pretax return on assets | -0.4744% | 6,349 |
| Return on Equity (ROE) | -4.2541% | 6,348 |
| Retained earnings to average equity (ytd only) | -4.2541% | 6,223 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.4380% | 128 |
| Assets per employee ($millions) | 3.4443% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9745% | 82 |
| 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 | 40.8835% | 5,758 |
| Net loans and leases to deposits | 46.8667% | 5,831 |
| Net loans and leases to core deposits | 51.7211% | 5,700 |
| Total domestic deposits to total assets | 87.2335% | 2,178 |
| Equity capital to assets | 10.7549% | 3,235 |
| Core capital (leverage) ratio | 10.9780% | 2,514 |
| Tier 1 risk-based capital ratio | 24.7424% | 902 |
| Total risk-based capital ratio | 26.0401% | 886 |
| Memoranda: | ||
| Average total assets | $23,610,750 | 6,439 |
| Average earning assets | $20,875,250 | 6,430 |
| Average equity | $2,632,750 | 6,401 |
| Average total loans | $9,772,000 | 6,393 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8394% | 6,310 |
| Cost of funding earning assets | 0.6105% | 1,806 |
| Net interest margin | 2.2289% | 6,438 |
| Noninterest income to average assets | 0.2730% | 5,248 |
| Noninterest expense to average assets | 2.7384% | 3,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.5033% | 6,439 |
| Return on assets (ROA) | -0.5033% | 6,439 |
| Pretax return on assets | -0.5033% | 6,422 |
| Return on Equity (ROE) | -4.4596% | 6,417 |
| Retained earnings to average equity (ytd only) | -4.4596% | 6,200 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.5191% | 131 |
| Assets per employee ($millions) | 3.3126% | 5,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1896% | 78 |
| 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 | 40.6546% | 5,771 |
| Net loans and leases to deposits | 46.9776% | 5,828 |
| Net loans and leases to core deposits | 52.1261% | 5,660 |
| Total domestic deposits to total assets | 86.5405% | 2,736 |
| Equity capital to assets | 11.2946% | 2,615 |
| Core capital (leverage) ratio | 11.1485% | 2,291 |
| Tier 1 risk-based capital ratio | 25.9050% | 786 |
| Total risk-based capital ratio | 27.2008% | 762 |
| Memoranda: | ||
| Average total assets | $23,444,330 | 6,504 |
| Average earning assets | $20,638,000 | 6,500 |
| Average equity | $2,646,000 | 6,454 |
| Average total loans | $9,571,670 | 6,463 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7260% | 6,442 |
| Cost of funding earning assets | 0.5719% | 2,228 |
| Net interest margin | 2.1541% | 6,545 |
| Noninterest income to average assets | 0.2545% | 5,327 |
| Noninterest expense to average assets | 2.7659% | 3,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5939% | 6,500 |
| Return on assets (ROA) | -0.5939% | 6,498 |
| Pretax return on assets | -0.5939% | 6,482 |
| Return on Equity (ROE) | -5.2641% | 6,475 |
| Retained earnings to average equity (ytd only) | -5.2641% | 6,137 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.3438% | 135 |
| Assets per employee ($millions) | 3.2993% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3924% | 76 |
| 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 | 39.1990% | 5,863 |
| Net loans and leases to deposits | 45.4217% | 5,891 |
| Net loans and leases to core deposits | 45.4217% | 6,024 |
| Total domestic deposits to total assets | 86.3001% | 3,210 |
| Equity capital to assets | 11.4397% | 2,299 |
| Core capital (leverage) ratio | 11.3172% | 2,118 |
| Tier 1 risk-based capital ratio | 27.1727% | 703 |
| Total risk-based capital ratio | 28.4686% | 685 |
| Memoranda: | ||
| Average total assets | $23,572,500 | 6,574 |
| Average earning assets | $20,983,500 | 6,563 |
| Average equity | $2,659,500 | 6,509 |
| Average total loans | $9,386,000 | 6,537 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4845% | 6,620 |
| Cost of funding earning assets | 0.6433% | 2,262 |
| Net interest margin | 1.8413% | 6,679 |
| Noninterest income to average assets | 0.3078% | 5,134 |
| Noninterest expense to average assets | 2.5954% | 4,485 |
| Loan and lease loss provision to assets | 0.0790% | 3,528 |
| Net operating income to assets | -0.7237% | 6,551 |
| Return on assets (ROA) | -0.7237% | 6,553 |
| Pretax return on assets | -0.7237% | 6,542 |
| Return on Equity (ROE) | -6.3094% | 6,517 |
| Retained earnings to average equity (ytd only) | -6.3094% | 6,425 |
| Net charge-offs to loans | -0.0643% | 6,388 |
| Credit loss provision to net charge-offs | -380.0000% | 6,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.0490% | 109 |
| Assets per employee ($millions) | 4.0083% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6069% | 60 |
| Loan loss allowance to noncurrent loans | 758.8235% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 5,407 |
| Noncurrent loans to loans | 0.7389% | 4,110 |
| Net loans and leases to total assets | 36.1206% | 6,196 |
| Net loans and leases to deposits | 41.7183% | 6,243 |
| Net loans and leases to core deposits | 41.7183% | 6,315 |
| Total domestic deposits to total assets | 86.5821% | 2,951 |
| Equity capital to assets | 11.1310% | 2,497 |
| Core capital (leverage) ratio | 10.8565% | 2,519 |
| Tier 1 risk-based capital ratio | 27.4086% | 646 |
| Total risk-based capital ratio | 28.7089% | 631 |
| Memoranda: | ||
| Average total assets | $24,042,200 | 6,638 |
| Average earning assets | $21,452,800 | 6,628 |
| Average equity | $2,757,800 | 6,578 |
| Average total loans | $7,779,800 | 6,662 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5498% | 6,679 |
| Cost of funding earning assets | 0.6452% | 2,405 |
| Net interest margin | 1.9046% | 6,747 |
| Noninterest income to average assets | 0.2773% | 5,461 |
| Noninterest expense to average assets | 2.6067% | 4,368 |
| Loan and lease loss provision to assets | 0.1054% | 2,999 |
| Net operating income to assets | -0.7321% | 6,656 |
| Return on assets (ROA) | -0.7321% | 6,663 |
| Pretax return on assets | -0.7321% | 6,645 |
| Return on Equity (ROE) | -6.3355% | 6,633 |
| Retained earnings to average equity (ytd only) | -6.3355% | 6,548 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.6527% | 121 |
| Assets per employee ($millions) | 4.1052% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4463% | 36 |
| Loan loss allowance to noncurrent loans | 12,775.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 6,450 |
| Noncurrent loans to loans | 0.0505% | 6,195 |
| Net loans and leases to total assets | 30.1084% | 6,531 |
| Net loans and leases to deposits | 34.7696% | 6,546 |
| Net loans and leases to core deposits | 38.3276% | 6,490 |
| Total domestic deposits to total assets | 86.5941% | 2,914 |
| Equity capital to assets | 11.0389% | 2,723 |
| Core capital (leverage) ratio | 10.8219% | 2,647 |
| Tier 1 risk-based capital ratio | 29.9813% | 517 |
| Total risk-based capital ratio | 31.2824% | 511 |
| Memoranda: | ||
| Average total assets | $24,040,250 | 6,717 |
| Average earning assets | $21,491,250 | 6,701 |
| Average equity | $2,778,000 | 6,651 |
| Average total loans | $7,424,000 | 6,746 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5244% | 6,724 |
| Cost of funding earning assets | 0.6663% | 2,347 |
| Net interest margin | 1.8581% | 6,804 |
| Noninterest income to average assets | 0.2684% | 5,534 |
| Noninterest expense to average assets | 2.6003% | 4,384 |
| Loan and lease loss provision to assets | 0.1258% | 2,751 |
| Net operating income to assets | -0.7969% | 6,713 |
| Return on assets (ROA) | -0.7969% | 6,722 |
| Pretax return on assets | -0.7969% | 6,705 |
| Return on Equity (ROE) | -6.7914% | 6,681 |
| Retained earnings to average equity (ytd only) | -6.7914% | 6,555 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.7826% | 110 |
| Assets per employee ($millions) | 4.1288% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2485% | 47 |
| Loan loss allowance to noncurrent loans | 10,140.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 6,481 |
| Noncurrent loans to loans | 0.0616% | 6,201 |
| Net loans and leases to total assets | 30.7068% | 6,553 |
| Net loans and leases to deposits | 35.5003% | 6,569 |
| Net loans and leases to core deposits | 35.5003% | 6,616 |
| Total domestic deposits to total assets | 86.4974% | 3,117 |
| Equity capital to assets | 11.1250% | 2,631 |
| Core capital (leverage) ratio | 11.4267% | 2,001 |
| Tier 1 risk-based capital ratio | 29.6631% | 542 |
| Total risk-based capital ratio | 30.9655% | 532 |
| Memoranda: | ||
| Average total assets | $23,843,330 | 6,770 |
| Average earning assets | $21,311,670 | 6,752 |
| Average equity | $2,797,670 | 6,696 |
| Average total loans | $7,256,330 | 6,797 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4407% | 6,834 |
| Cost of funding earning assets | 0.6918% | 2,292 |
| Net interest margin | 1.7488% | 6,898 |
| Noninterest income to average assets | 0.2566% | 5,622 |
| Noninterest expense to average assets | 2.7547% | 3,852 |
| Loan and lease loss provision to assets | 0.1882% | 1,954 |
| Net operating income to assets | -1.1292% | 6,837 |
| Return on assets (ROA) | -1.1292% | 6,845 |
| Pretax return on assets | -1.1292% | 6,828 |
| Return on Equity (ROE) | -9.3667% | 6,791 |
| Retained earnings to average equity (ytd only) | -9.3667% | 6,586 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.8868% | 84 |
| Assets per employee ($millions) | 3.9190% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1206% | 38 |
| Loan loss allowance to noncurrent loans | 12,575.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 6,567 |
| Noncurrent loans to loans | 0.0566% | 6,304 |
| Net loans and leases to total assets | 27.9025% | 6,666 |
| Net loans and leases to deposits | 32.6061% | 6,674 |
| Net loans and leases to core deposits | 32.6061% | 6,704 |
| Total domestic deposits to total assets | 85.5746% | 3,757 |
| Equity capital to assets | 11.8483% | 2,141 |
| Core capital (leverage) ratio | 11.8735% | 1,637 |
| Tier 1 risk-based capital ratio | 32.0968% | 448 |
| Total risk-based capital ratio | 33.3986% | 438 |
| Memoranda: | ||
| Average total assets | $23,378,500 | 6,849 |
| Average earning assets | $20,814,000 | 6,837 |
| Average equity | $2,818,500 | 6,756 |
| Average total loans | $6,827,500 | 6,886 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5332% | 6,928 |
| Cost of funding earning assets | 0.8149% | 2,543 |
| Net interest margin | 1.7183% | 6,975 |
| Noninterest income to average assets | 0.3882% | 4,699 |
| Noninterest expense to average assets | 2.6959% | 4,411 |
| Loan and lease loss provision to assets | 0.1812% | 3,366 |
| Net operating income to assets | -0.9792% | 6,740 |
| Return on assets (ROA) | -0.9792% | 6,754 |
| Pretax return on assets | -0.9792% | 6,729 |
| Return on Equity (ROE) | -7.6700% | 6,674 |
| Retained earnings to average equity (ytd only) | -7.6700% | 6,558 |
| Net charge-offs to loans | 0.1625% | 4,078 |
| Credit loss provision to net charge-offs | 420.0000% | 573 |
| Earnings coverage of net charge-offs (x) | -18.5000% | 5,961 |
| Efficiency ratio | 142.0455% | 112 |
| Assets per employee ($millions) | 3.8738% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4647% | 36 |
| Loan loss allowance to noncurrent loans | 2,589.4737% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 6,394 |
| Noncurrent loans to loans | 0.2883% | 5,760 |
| Net loans and leases to total assets | 26.2402% | 6,807 |
| Net loans and leases to deposits | 30.8560% | 6,810 |
| Net loans and leases to core deposits | 34.2872% | 6,763 |
| Total domestic deposits to total assets | 85.0407% | 3,846 |
| Equity capital to assets | 12.2661% | 1,880 |
| Core capital (leverage) ratio | 12.5374% | 1,306 |
| Tier 1 risk-based capital ratio | 33.5293% | 380 |
| Total risk-based capital ratio | 34.8348% | 373 |
| Memoranda: | ||
| Average total assets | $23,183,200 | 6,905 |
| Average earning assets | $20,369,400 | 6,897 |
| Average equity | $2,959,600 | 6,794 |
| Average total loans | $6,152,000 | 6,972 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5675% | 7,033 |
| Cost of funding earning assets | 0.8405% | 2,624 |
| Net interest margin | 1.7270% | 7,086 |
| Noninterest income to average assets | 0.3798% | 4,785 |
| Noninterest expense to average assets | 2.6587% | 4,527 |
| Loan and lease loss provision to assets | 0.1842% | 3,285 |
| Net operating income to assets | -0.9495% | 6,842 |
| Return on assets (ROA) | -0.9495% | 6,874 |
| Pretax return on assets | -0.9495% | 6,849 |
| Return on Equity (ROE) | -7.3655% | 6,795 |
| Retained earnings to average equity (ytd only) | -7.3655% | 6,730 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.4255% | 117 |
| Assets per employee ($millions) | 3.7743% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2900% | 38 |
| Loan loss allowance to noncurrent loans | 3,075.0000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 6,566 |
| Noncurrent loans to loans | 0.2371% | 6,012 |
| Net loans and leases to total assets | 27.6296% | 6,887 |
| Net loans and leases to deposits | 32.7883% | 6,895 |
| Net loans and leases to core deposits | 36.0115% | 6,855 |
| Total domestic deposits to total assets | 84.2665% | 4,099 |
| Equity capital to assets | 12.8676% | 1,668 |
| Core capital (leverage) ratio | 12.7857% | 1,281 |
| Tier 1 risk-based capital ratio | 34.1578% | 383 |
| Total risk-based capital ratio | 35.4589% | 375 |
| Memoranda: | ||
| Average total assets | $23,168,250 | 6,997 |
| Average earning assets | $20,304,750 | 6,987 |
| Average equity | $2,986,750 | 6,874 |
| Average total loans | $6,042,250 | 7,068 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3181% | 7,149 |
| Cost of funding earning assets | 0.8447% | 2,838 |
| Net interest margin | 1.4734% | 7,180 |
| Noninterest income to average assets | 0.3770% | 4,824 |
| Noninterest expense to average assets | 2.6476% | 4,620 |
| Loan and lease loss provision to assets | 0.1799% | 3,301 |
| Net operating income to assets | -1.1653% | 6,946 |
| Return on assets (ROA) | -1.1653% | 6,966 |
| Pretax return on assets | -1.1653% | 6,940 |
| Return on Equity (ROE) | -9.0335% | 6,889 |
| Retained earnings to average equity (ytd only) | -9.0335% | 6,809 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.2784% | 85 |
| Assets per employee ($millions) | 3.8535% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4223% | 31 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0121% | 4,348 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 22.6201% | 7,054 |
| Net loans and leases to deposits | 26.7999% | 7,061 |
| Net loans and leases to core deposits | 29.8193% | 7,028 |
| Total domestic deposits to total assets | 84.4038% | 4,140 |
| Equity capital to assets | 12.7287% | 1,668 |
| Core capital (leverage) ratio | 12.7056% | 1,256 |
| Tier 1 risk-based capital ratio | 36.7187% | 309 |
| Total risk-based capital ratio | 38.0287% | 307 |
| Memoranda: | ||
| Average total assets | $23,342,330 | 7,055 |
| Average earning assets | $20,361,670 | 7,042 |
| Average equity | $3,011,000 | 6,909 |
| Average total loans | $5,806,670 | 7,135 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3186% | 7,211 |
| Cost of funding earning assets | 0.8842% | 2,804 |
| Net interest margin | 1.4344% | 7,243 |
| Noninterest income to average assets | 0.3923% | 4,726 |
| Noninterest expense to average assets | 2.5924% | 4,847 |
| Loan and lease loss provision to assets | 0.1876% | 3,083 |
| Net operating income to assets | -1.1427% | 7,028 |
| Return on assets (ROA) | -1.1427% | 7,040 |
| Pretax return on assets | -1.1427% | 7,008 |
| Return on Equity (ROE) | -8.8013% | 6,973 |
| Retained earnings to average equity (ytd only) | -8.8013% | 6,807 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.3333% | 86 |
| Assets per employee ($millions) | 3.3934% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2371% | 30 |
| Loan loss allowance to noncurrent loans | 202.1459% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.9809% | 4,544 |
| Noncurrent loans to loans | 4.0749% | 1,490 |
| Net loans and leases to total assets | 22.0889% | 7,112 |
| Net loans and leases to deposits | 26.1344% | 7,120 |
| Net loans and leases to core deposits | 26.1344% | 7,127 |
| Total domestic deposits to total assets | 84.5205% | 4,263 |
| Equity capital to assets | 12.6800% | 1,610 |
| Core capital (leverage) ratio | 13.2128% | 1,053 |
| Tier 1 risk-based capital ratio | 38.8946% | 252 |
| Total risk-based capital ratio | 40.1989% | 244 |
| Memoranda: | ||
| Average total assets | $23,453,000 | 7,112 |
| Average earning assets | $20,357,500 | 7,109 |
| Average equity | $3,045,000 | 6,953 |
| Average total loans | $5,854,500 | 7,194 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7659% | 7,232 |
| Cost of funding earning assets | 1.1127% | 2,593 |
| Net interest margin | 1.6532% | 7,276 |
| Noninterest income to average assets | 0.3357% | 5,133 |
| Noninterest expense to average assets | 2.7123% | 4,702 |
| Loan and lease loss provision to assets | 0.1855% | 4,336 |
| Net operating income to assets | -1.1839% | 6,814 |
| Return on assets (ROA) | -1.1839% | 6,840 |
| Pretax return on assets | -1.1839% | 6,807 |
| Return on Equity (ROE) | -8.3520% | 6,688 |
| Retained earnings to average equity (ytd only) | -8.3520% | 6,637 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.2474% | 117 |
| Assets per employee ($millions) | 3.3074% | 5,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6782% | 37 |
| Loan loss allowance to noncurrent loans | 197.4249% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 1.0064% | 4,600 |
| Noncurrent loans to loans | 3.8892% | 1,611 |
| Net loans and leases to total assets | 23.8899% | 7,157 |
| Net loans and leases to deposits | 28.5559% | 7,162 |
| Net loans and leases to core deposits | 31.8001% | 7,119 |
| Total domestic deposits to total assets | 83.6602% | 4,467 |
| Equity capital to assets | 13.2947% | 1,364 |
| Core capital (leverage) ratio | 13.1803% | 1,080 |
| Tier 1 risk-based capital ratio | 39.1304% | 248 |
| Total risk-based capital ratio | 40.4399% | 239 |
| Memoranda: | ||
| Average total assets | $22,637,400 | 7,152 |
| Average earning assets | $18,872,400 | 7,166 |
| Average equity | $3,208,800 | 6,959 |
| Average total loans | $5,825,800 | 7,246 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7897% | 7,309 |
| Cost of funding earning assets | 1.1429% | 2,677 |
| Net interest margin | 1.6469% | 7,354 |
| Noninterest income to average assets | 0.3258% | 5,260 |
| Noninterest expense to average assets | 2.7426% | 4,571 |
| Loan and lease loss provision to assets | 0.1896% | 4,136 |
| Net operating income to assets | -1.2321% | 6,971 |
| Return on assets (ROA) | -1.2321% | 6,987 |
| Pretax return on assets | -1.2321% | 6,951 |
| Return on Equity (ROE) | -8.5556% | 6,842 |
| Retained earnings to average equity (ytd only) | -8.5556% | 6,794 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.3240% | 106 |
| Assets per employee ($millions) | 3.4249% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0085% | 31 |
| Loan loss allowance to noncurrent loans | 135.9517% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 1.3807% | 4,055 |
| Noncurrent loans to loans | 5.8907% | 956 |
| Net loans and leases to total assets | 21.5609% | 7,263 |
| Net loans and leases to deposits | 25.6960% | 7,271 |
| Net loans and leases to core deposits | 25.6960% | 7,280 |
| Total domestic deposits to total assets | 83.9076% | 4,276 |
| Equity capital to assets | 13.0892% | 1,570 |
| Core capital (leverage) ratio | 13.9306% | 915 |
| Tier 1 risk-based capital ratio | 41.4970% | 222 |
| Total risk-based capital ratio | 42.8061% | 217 |
| Memoranda: | ||
| Average total assets | $22,508,750 | 7,225 |
| Average earning assets | $18,782,750 | 7,239 |
| Average equity | $3,241,500 | 7,006 |
| Average total loans | $5,784,500 | 7,321 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8514% | 7,374 |
| Cost of funding earning assets | 1.1908% | 2,639 |
| Net interest margin | 1.6606% | 7,430 |
| Noninterest income to average assets | 0.2997% | 5,490 |
| Noninterest expense to average assets | 2.8065% | 4,406 |
| Loan and lease loss provision to assets | 0.1907% | 4,011 |
| Net operating income to assets | -1.3170% | 7,042 |
| Return on assets (ROA) | -1.3170% | 7,051 |
| Pretax return on assets | -1.3170% | 7,004 |
| Return on Equity (ROE) | -8.8523% | 6,899 |
| Retained earnings to average equity (ytd only) | -8.8523% | 6,819 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 167.0270% | 106 |
| Assets per employee ($millions) | 2.7861% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1056% | 31 |
| Loan loss allowance to noncurrent loans | 159.0580% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 1.2383% | 4,422 |
| Noncurrent loans to loans | 5.0960% | 1,275 |
| Net loans and leases to total assets | 22.3294% | 7,342 |
| Net loans and leases to deposits | 27.1138% | 7,342 |
| Net loans and leases to core deposits | 27.1138% | 7,355 |
| Total domestic deposits to total assets | 82.3545% | 5,041 |
| Equity capital to assets | 14.3613% | 979 |
| Core capital (leverage) ratio | 14.4894% | 762 |
| Tier 1 risk-based capital ratio | 45.3335% | 174 |
| Total risk-based capital ratio | 46.6506% | 173 |
| Memoranda: | ||
| Average total assets | $22,020,330 | 7,304 |
| Average earning assets | $18,307,000 | 7,322 |
| Average equity | $3,276,000 | 7,048 |
| Average total loans | $5,839,670 | 7,394 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8943% | 7,420 |
| Cost of funding earning assets | 1.2594% | 2,435 |
| Net interest margin | 1.6350% | 7,486 |
| Noninterest income to average assets | 0.2924% | 5,578 |
| Noninterest expense to average assets | 2.6501% | 5,037 |
| Loan and lease loss provision to assets | 0.1828% | 3,787 |
| Net operating income to assets | -1.1880% | 7,093 |
| Return on assets (ROA) | -1.1880% | 7,096 |
| Pretax return on assets | -1.1880% | 7,055 |
| Return on Equity (ROE) | -7.8467% | 6,956 |
| Retained earnings to average equity (ytd only) | -7.8467% | 6,743 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.1111% | 121 |
| Assets per employee ($millions) | 3.1897% | 5,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2975% | 51 |
| Loan loss allowance to noncurrent loans | 91.2580% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 2.1005% | 3,191 |
| Noncurrent loans to loans | 7.9966% | 628 |
| Net loans and leases to total assets | 24.3506% | 7,368 |
| Net loans and leases to deposits | 29.7055% | 7,361 |
| Net loans and leases to core deposits | 33.2945% | 7,319 |
| Total domestic deposits to total assets | 81.9733% | 5,327 |
| Equity capital to assets | 14.6946% | 832 |
| Core capital (leverage) ratio | 15.1296% | 641 |
| Tier 1 risk-based capital ratio | 44.7796% | 177 |
| Total risk-based capital ratio | 46.0898% | 173 |
| Memoranda: | ||
| Average total assets | $21,886,000 | 7,361 |
| Average earning assets | $18,104,500 | 7,382 |
| Average equity | $3,313,500 | 7,073 |
| Average total loans | $6,051,500 | 7,446 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2738% | 7,452 |
| Cost of funding earning assets | 1.3998% | 3,266 |
| Net interest margin | 1.8739% | 7,488 |
| Noninterest income to average assets | 0.2478% | 6,024 |
| Noninterest expense to average assets | 2.9538% | 4,021 |
| Loan and lease loss provision to assets | 0.2040% | 5,203 |
| Net operating income to assets | -1.2389% | 6,800 |
| Return on assets (ROA) | -1.2389% | 6,823 |
| Pretax return on assets | -1.2971% | 6,776 |
| Return on Equity (ROE) | -7.3538% | 6,574 |
| Retained earnings to average equity (ytd only) | -7.3538% | 6,482 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.7467% | 172 |
| Assets per employee ($millions) | 3.0634% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7009% | 70 |
| Loan loss allowance to noncurrent loans | 995.2381% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 6,730 |
| Noncurrent loans to loans | 0.6733% | 5,698 |
| Net loans and leases to total assets | 27.1405% | 7,425 |
| Net loans and leases to deposits | 33.5582% | 7,401 |
| Net loans and leases to core deposits | 37.8660% | 7,354 |
| Total domestic deposits to total assets | 80.8758% | 5,561 |
| Equity capital to assets | 15.6034% | 658 |
| Core capital (leverage) ratio | 15.9782% | 514 |
| Tier 1 risk-based capital ratio | 45.3695% | 168 |
| Total risk-based capital ratio | 46.6712% | 168 |
| Memoranda: | ||
| Average total assets | $20,583,600 | 7,452 |
| Average earning assets | $17,716,600 | 7,454 |
| Average equity | $3,467,600 | 7,142 |
| Average total loans | $6,119,600 | 7,529 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3167% | 7,579 |
| Cost of funding earning assets | 1.3794% | 3,709 |
| Net interest margin | 1.9372% | 7,593 |
| Noninterest income to average assets | 0.3338% | 5,492 |
| Noninterest expense to average assets | 3.1486% | 3,114 |
| Loan and lease loss provision to assets | 0.2029% | 5,022 |
| Net operating income to assets | -1.3353% | 7,045 |
| Return on assets (ROA) | -1.3353% | 7,071 |
| Pretax return on assets | -1.3353% | 6,989 |
| Return on Equity (ROE) | -7.7756% | 6,824 |
| Retained earnings to average equity (ytd only) | -7.7756% | 6,756 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.1688% | 176 |
| Assets per employee ($millions) | 2.9649% | 6,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5329% | 85 |
| Loan loss allowance to noncurrent loans | 969.0476% | 378 |
| Noncurrent assets plus other real estate owned to assets | 1.0504% | 5,010 |
| Noncurrent loans to loans | 0.6742% | 5,854 |
| Net loans and leases to total assets | 28.0572% | 7,511 |
| Net loans and leases to deposits | 35.2077% | 7,489 |
| Net loans and leases to core deposits | 39.9602% | 7,428 |
| Total domestic deposits to total assets | 79.6907% | 5,810 |
| Equity capital to assets | 16.3679% | 608 |
| Core capital (leverage) ratio | 16.7819% | 452 |
| Tier 1 risk-based capital ratio | 45.0531% | 180 |
| Total risk-based capital ratio | 46.3528% | 175 |
| Memoranda: | ||
| Average total assets | $20,368,500 | 7,554 |
| Average earning assets | $17,688,000 | 7,557 |
| Average equity | $3,498,000 | 7,226 |
| Average total loans | $6,090,000 | 7,626 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3126% | 7,655 |
| Cost of funding earning assets | 1.3727% | 4,040 |
| Net interest margin | 1.9399% | 7,657 |
| Noninterest income to average assets | 0.3360% | 5,465 |
| Noninterest expense to average assets | 3.1423% | 3,132 |
| Loan and lease loss provision to assets | 0.2075% | 4,800 |
| Net operating income to assets | -1.3241% | 7,082 |
| Return on assets (ROA) | -1.3241% | 7,095 |
| Pretax return on assets | -1.3241% | 7,017 |
| Return on Equity (ROE) | -7.5885% | 6,867 |
| Retained earnings to average equity (ytd only) | -7.5885% | 6,782 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.1220% | 189 |
| Assets per employee ($millions) | 2.8179% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5135% | 76 |
| Loan loss allowance to noncurrent loans | 945.2381% | 366 |
| Noncurrent assets plus other real estate owned to assets | 1.1052% | 4,926 |
| Noncurrent loans to loans | 0.6891% | 5,869 |
| Net loans and leases to total assets | 28.8872% | 7,561 |
| Net loans and leases to deposits | 36.9041% | 7,514 |
| Net loans and leases to core deposits | 38.2904% | 7,526 |
| Total domestic deposits to total assets | 78.2763% | 6,203 |
| Equity capital to assets | 17.5817% | 461 |
| Core capital (leverage) ratio | 16.8211% | 459 |
| Tier 1 risk-based capital ratio | 47.8147% | 166 |
| Total risk-based capital ratio | 49.1107% | 165 |
| Memoranda: | ||
| Average total assets | $20,240,000 | 7,620 |
| Average earning assets | $17,629,670 | 7,622 |
| Average equity | $3,531,670 | 7,260 |
| Average total loans | $6,043,330 | 7,694 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2950% | 7,755 |
| Cost of funding earning assets | 1.3932% | 4,225 |
| Net interest margin | 1.9018% | 7,753 |
| Noninterest income to average assets | 0.3122% | 5,653 |
| Noninterest expense to average assets | 3.2784% | 2,597 |
| Loan and lease loss provision to assets | 0.2147% | 4,363 |
| Net operating income to assets | -1.5026% | 7,333 |
| Return on assets (ROA) | -1.5026% | 7,341 |
| Pretax return on assets | -1.5026% | 7,260 |
| Return on Equity (ROE) | -8.6432% | 7,084 |
| Retained earnings to average equity (ytd only) | -8.6432% | 6,875 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.7059% | 165 |
| Assets per employee ($millions) | 2.5331% | 7,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6335% | 72 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 5,422 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 26.8789% | 7,690 |
| Net loans and leases to deposits | 34.2385% | 7,656 |
| Net loans and leases to core deposits | 39.0690% | 7,602 |
| Total domestic deposits to total assets | 78.5048% | 6,207 |
| Equity capital to assets | 17.3945% | 484 |
| Core capital (leverage) ratio | 17.5802% | 393 |
| Tier 1 risk-based capital ratio | 48.2414% | 166 |
| Total risk-based capital ratio | 49.5415% | 166 |
| Memoranda: | ||
| Average total assets | $20,497,500 | 7,711 |
| Average earning assets | $18,088,000 | 7,704 |
| Average equity | $3,563,500 | 7,325 |
| Average total loans | $6,017,500 | 7,796 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 7,783 |
| Cost of funding earning assets | 1.4583% | 5,688 |
| Net interest margin | 2.2390% | 7,626 |
| Noninterest income to average assets | 0.3557% | 5,559 |
| Noninterest expense to average assets | 3.1086% | 3,698 |
| Loan and lease loss provision to assets | 0.2046% | 5,707 |
| Net operating income to assets | -0.6578% | 6,319 |
| Return on assets (ROA) | -0.6578% | 6,322 |
| Pretax return on assets | -0.9452% | 6,373 |
| Return on Equity (ROE) | -3.6980% | 6,079 |
| Retained earnings to average equity (ytd only) | -3.6980% | 5,822 |
| Net charge-offs to loans | 0.0306% | 6,820 |
| Credit loss provision to net charge-offs | 2,100.0000% | 155 |
| Earnings coverage of net charge-offs (x) | -76.0000% | 7,222 |
| Efficiency ratio | 131.2757% | 465 |
| Assets per employee ($millions) | 2.5913% | 7,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0635% | 98 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8490% | 5,408 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 28.0994% | 7,749 |
| Net loans and leases to deposits | 35.7537% | 7,729 |
| Net loans and leases to core deposits | 44.1857% | 7,701 |
| Total domestic deposits to total assets | 78.5914% | 6,095 |
| Equity capital to assets | 17.3758% | 516 |
| Core capital (leverage) ratio | 17.3465% | 452 |
| Tier 1 risk-based capital ratio | 47.4759% | 174 |
| Total risk-based capital ratio | 48.7676% | 173 |
| Memoranda: | ||
| Average total assets | $20,523,800 | 7,759 |
| Average earning assets | $18,445,800 | 7,746 |
| Average equity | $3,650,600 | 7,404 |
| Average total loans | $6,546,600 | 7,845 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 7,874 |
| Cost of funding earning assets | 1.4859% | 5,878 |
| Net interest margin | 2.2937% | 7,649 |
| Noninterest income to average assets | 0.3452% | 5,738 |
| Noninterest expense to average assets | 3.2108% | 3,265 |
| Loan and lease loss provision to assets | 0.2084% | 5,315 |
| Net operating income to assets | -1.0030% | 6,834 |
| Return on assets (ROA) | -1.0030% | 6,843 |
| Pretax return on assets | -1.0030% | 6,689 |
| Return on Equity (ROE) | -5.6059% | 6,512 |
| Retained earnings to average equity (ytd only) | -5.6059% | 6,335 |
| Net charge-offs to loans | 0.0403% | 6,343 |
| Credit loss provision to net charge-offs | 1,600.0000% | 240 |
| Earnings coverage of net charge-offs (x) | -60.9213% | 6,967 |
| Efficiency ratio | 132.8841% | 441 |
| Assets per employee ($millions) | 2.6395% | 6,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7170% | 92 |
| Loan loss allowance to noncurrent loans | 219.1617% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.8619% | 5,357 |
| Noncurrent loans to loans | 2.6086% | 2,894 |
| Net loans and leases to total assets | 28.5850% | 7,836 |
| Net loans and leases to deposits | 36.2828% | 7,815 |
| Net loans and leases to core deposits | 44.5297% | 7,789 |
| Total domestic deposits to total assets | 78.7839% | 5,871 |
| Equity capital to assets | 16.9682% | 640 |
| Core capital (leverage) ratio | 17.0961% | 543 |
| Tier 1 risk-based capital ratio | 47.0025% | 193 |
| Total risk-based capital ratio | 48.3012% | 192 |
| Memoranda: | ||
| Average total assets | $20,472,250 | 7,834 |
| Average earning assets | $18,485,000 | 7,822 |
| Average equity | $3,662,750 | 7,460 |
| Average total loans | $6,633,000 | 7,915 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8678% | 7,953 |
| Cost of funding earning assets | 1.4969% | 6,152 |
| Net interest margin | 2.3709% | 7,602 |
| Noninterest income to average assets | 0.3455% | 5,741 |
| Noninterest expense to average assets | 3.2580% | 3,123 |
| Loan and lease loss provision to assets | 0.2073% | 4,978 |
| Net operating income to assets | -0.9774% | 6,962 |
| Return on assets (ROA) | -0.9774% | 6,962 |
| Pretax return on assets | -0.9774% | 6,803 |
| Return on Equity (ROE) | -5.3668% | 6,647 |
| Retained earnings to average equity (ytd only) | -5.3668% | 6,353 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.9524% | 519 |
| Assets per employee ($millions) | 2.6445% | 6,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4957% | 96 |
| Loan loss allowance to noncurrent loans | 211.2426% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.8697% | 5,250 |
| Noncurrent loans to loans | 2.6016% | 2,786 |
| Net loans and leases to total assets | 29.0178% | 7,911 |
| Net loans and leases to deposits | 36.9441% | 7,885 |
| Net loans and leases to core deposits | 41.0745% | 7,919 |
| Total domestic deposits to total assets | 78.5451% | 5,943 |
| Equity capital to assets | 17.1961% | 634 |
| Core capital (leverage) ratio | 17.3412% | 575 |
| Tier 1 risk-based capital ratio | 47.9884% | 199 |
| Total risk-based capital ratio | 49.2811% | 198 |
| Memoranda: | ||
| Average total assets | $20,257,670 | 7,917 |
| Average earning assets | $18,305,000 | 7,908 |
| Average equity | $3,689,330 | 7,513 |
| Average total loans | $6,710,000 | 8,000 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 7,964 |
| Cost of funding earning assets | 1.4954% | 6,413 |
| Net interest margin | 2.5667% | 7,417 |
| Noninterest income to average assets | 0.3433% | 5,707 |
| Noninterest expense to average assets | 3.3117% | 2,627 |
| Loan and lease loss provision to assets | 0.2221% | 4,230 |
| Net operating income to assets | -0.8683% | 7,163 |
| Return on assets (ROA) | -0.8683% | 7,195 |
| Pretax return on assets | -0.8683% | 7,073 |
| Return on Equity (ROE) | -4.6299% | 6,950 |
| Retained earnings to average equity (ytd only) | -4.6299% | 6,504 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.2424% | 579 |
| Assets per employee ($millions) | 2.4958% | 7,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2800% | 96 |
| Loan loss allowance to noncurrent loans | 533.8462% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 6,290 |
| Noncurrent loans to loans | 0.9890% | 5,019 |
| Net loans and leases to total assets | 31.1780% | 7,887 |
| Net loans and leases to deposits | 40.4589% | 7,828 |
| Net loans and leases to core deposits | 50.5728% | 7,771 |
| Total domestic deposits to total assets | 77.0610% | 6,262 |
| Equity capital to assets | 18.4964% | 543 |
| Core capital (leverage) ratio | 18.7519% | 473 |
| Tier 1 risk-based capital ratio | 50.0068% | 208 |
| Total risk-based capital ratio | 51.2932% | 198 |
| Memoranda: | ||
| Average total assets | $19,808,500 | 7,984 |
| Average earning assets | $17,922,000 | 7,967 |
| Average equity | $3,715,000 | 7,550 |
| Average total loans | $6,817,000 | 8,044 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6678% | 7,985 |
| Cost of funding earning assets | 1.5723% | 7,494 |
| Net interest margin | 3.0955% | 6,663 |
| Noninterest income to average assets | 0.3188% | 6,177 |
| Noninterest expense to average assets | 2.8647% | 4,555 |
| Loan and lease loss provision to assets | 0.1886% | 5,002 |
| Net operating income to assets | 0.1257% | 6,033 |
| Return on assets (ROA) | 0.1257% | 5,879 |
| Pretax return on assets | 0.1033% | 5,933 |
| Return on Equity (ROE) | 0.7501% | 5,996 |
| Retained earnings to average equity (ytd only) | 0.7501% | 4,783 |
| Net charge-offs to loans | -0.0823% | 8,070 |
| Credit loss provision to net charge-offs | -700.0000% | 7,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7539% | 1,458 |
| Assets per employee ($millions) | 2.4564% | 7,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7579% | 115 |
| Loan loss allowance to noncurrent loans | 1,292.3077% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 6,740 |
| Noncurrent loans to loans | 0.3682% | 6,265 |
| Net loans and leases to total assets | 34.2273% | 7,885 |
| Net loans and leases to deposits | 44.8191% | 7,824 |
| Net loans and leases to core deposits | 56.3694% | 7,729 |
| Total domestic deposits to total assets | 76.3676% | 6,151 |
| Equity capital to assets | 19.0168% | 543 |
| Core capital (leverage) ratio | 18.3447% | 568 |
| Tier 1 risk-based capital ratio | 50.9475% | 210 |
| Total risk-based capital ratio | 52.2427% | 207 |
| Memoranda: | ||
| Average total assets | $22,271,200 | 7,934 |
| Average earning assets | $20,416,600 | 7,918 |
| Average equity | $3,732,800 | 7,597 |
| Average total loans | $7,287,600 | 8,068 |