Home > Grove Bank > Performance and Condition Ratios
Grove 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 | 5.6246% | 1,008 |
| Cost of funding earning assets | 1.4433% | 2,097 |
| Net interest margin | 4.1813% | 962 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 3.7051% | 464 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.0982% | 4,254 |
| Return on assets (ROA) | 0.0982% | 4,280 |
| Pretax return on assets | 0.1452% | 4,243 |
| Return on Equity (ROE) | 0.6900% | 4,287 |
| Retained earnings to average equity (ytd only) | 0.6919% | 3,902 |
| Net charge-offs to loans | 0.0761% | 1,106 |
| Credit loss provision to net charge-offs | 140.9091% | 1,519 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,583 |
| Efficiency ratio | 89.3130% | 434 |
| Assets per employee ($millions) | 4.7599% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,107 |
| Loan loss allowance to noncurrent loans | 339.6396% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 2,050 |
| Noncurrent loans to loans | 0.3625% | 1,901 |
| Net loans and leases to total assets | 63.5400% | 2,504 |
| Net loans and leases to deposits | 85.0387% | 1,688 |
| Net loans and leases to core deposits | 86.2512% | 2,291 |
| Total domestic deposits to total assets | 74.7200% | 4,050 |
| Equity capital to assets | 13.9226% | 699 |
| Core capital (leverage) ratio | 10.4449% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1464% | 890 |
| Memoranda: | ||
| Average total assets | $46,827,000 | 4,342 |
| Average earning assets | $43,025,200 | 4,314 |
| Average equity | $6,648,800 | 4,088 |
| Average total loans | $28,907,200 | 4,156 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6452% | 855 |
| Cost of funding earning assets | 1.3296% | 2,062 |
| Net interest margin | 4.3156% | 791 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 3.7082% | 446 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.1744% | 4,261 |
| Return on assets (ROA) | 0.1744% | 4,274 |
| Pretax return on assets | 0.2430% | 4,209 |
| Return on Equity (ROE) | 1.2200% | 4,291 |
| Retained earnings to average equity (ytd only) | 1.2222% | 3,899 |
| Net charge-offs to loans | 0.1030% | 770 |
| Credit loss provision to net charge-offs | 140.9091% | 1,358 |
| Earnings coverage of net charge-offs (x) | 5.2727% | 2,356 |
| Efficiency ratio | 86.6242% | 484 |
| Assets per employee ($millions) | 4.5521% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 2,121 |
| Loan loss allowance to noncurrent loans | 401.0638% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 2,233 |
| Noncurrent loans to loans | 0.3109% | 2,121 |
| Net loans and leases to total assets | 65.5900% | 2,279 |
| Net loans and leases to deposits | 89.3280% | 1,285 |
| Net loans and leases to core deposits | 89.3280% | 1,974 |
| Total domestic deposits to total assets | 73.4300% | 4,193 |
| Equity capital to assets | 14.4834% | 586 |
| Core capital (leverage) ratio | 10.4306% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8765% | 831 |
| Memoranda: | ||
| Average total assets | $46,634,000 | 4,358 |
| Average earning assets | $42,820,250 | 4,335 |
| Average equity | $6,654,250 | 4,085 |
| Average total loans | $28,478,750 | 4,177 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4070% | 947 |
| Cost of funding earning assets | 1.1845% | 2,037 |
| Net interest margin | 4.2225% | 905 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 3.6805% | 447 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.1574% | 4,328 |
| Return on assets (ROA) | 0.1574% | 4,355 |
| Pretax return on assets | 0.2170% | 4,305 |
| Return on Equity (ROE) | 1.1100% | 4,361 |
| Retained earnings to average equity (ytd only) | 1.1087% | 3,891 |
| Net charge-offs to loans | 0.1577% | 496 |
| Credit loss provision to net charge-offs | 45.4545% | 1,690 |
| Earnings coverage of net charge-offs (x) | 2.7727% | 2,301 |
| Efficiency ratio | 88.1210% | 421 |
| Assets per employee ($millions) | 4.5445% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,326 |
| Loan loss allowance to noncurrent loans | 359.5960% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 1,765 |
| Noncurrent loans to loans | 0.3400% | 1,911 |
| Net loans and leases to total assets | 63.2800% | 2,457 |
| Net loans and leases to deposits | 86.4620% | 1,467 |
| Net loans and leases to core deposits | 86.4620% | 2,037 |
| Total domestic deposits to total assets | 73.1900% | 4,243 |
| Equity capital to assets | 14.5715% | 567 |
| Core capital (leverage) ratio | 9.7489% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6161% | 1,014 |
| Memoranda: | ||
| Average total assets | $47,005,000 | 4,376 |
| Average earning assets | $43,055,333 | 4,359 |
| Average equity | $6,674,667 | 4,110 |
| Average total loans | $27,893,667 | 4,198 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7554% | 1,725 |
| Cost of funding earning assets | 1.1051% | 1,738 |
| Net interest margin | 3.6504% | 2,012 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 3.3483% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0586% | 4,452 |
| Return on assets (ROA) | 0.0586% | 4,432 |
| Pretax return on assets | 0.0837% | 4,414 |
| Return on Equity (ROE) | 0.4200% | 4,423 |
| Retained earnings to average equity (ytd only) | 0.4178% | 3,957 |
| Net charge-offs to loans | 0.1759% | 410 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.8333% | 1,994 |
| Efficiency ratio | 91.7073% | 317 |
| Assets per employee ($millions) | 4.6594% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 2,165 |
| Loan loss allowance to noncurrent loans | 1,424.0000% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 2,652 |
| Noncurrent loans to loans | 0.0894% | 3,103 |
| Net loans and leases to total assets | 59.2200% | 2,747 |
| Net loans and leases to deposits | 80.2787% | 1,798 |
| Net loans and leases to core deposits | 80.2787% | 2,237 |
| Total domestic deposits to total assets | 73.7700% | 4,293 |
| Equity capital to assets | 14.2186% | 568 |
| Core capital (leverage) ratio | 9.5372% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7328% | 878 |
| Memoranda: | ||
| Average total assets | $47,785,000 | 4,433 |
| Average earning assets | $44,160,000 | 4,410 |
| Average equity | $6,701,000 | 4,158 |
| Average total loans | $27,283,000 | 4,260 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 1,885 |
| Cost of funding earning assets | 0.6851% | 625 |
| Net interest margin | 3.2565% | 2,685 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.5366% | 2,004 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.3595% | 4,298 |
| Return on assets (ROA) | 0.3595% | 4,263 |
| Pretax return on assets | 0.4882% | 4,183 |
| Return on Equity (ROE) | 2.7100% | 4,322 |
| Retained earnings to average equity (ytd only) | 2.7063% | 3,800 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.4146% | 1,076 |
| Assets per employee ($millions) | 6.9966% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3870% | 4,506 |
| Loan loss allowance to noncurrent loans | 91.1504% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 1,671 |
| Noncurrent loans to loans | 0.4246% | 1,654 |
| Net loans and leases to total assets | 54.1300% | 3,188 |
| Net loans and leases to deposits | 72.6575% | 2,353 |
| Net loans and leases to core deposits | 73.1608% | 2,634 |
| Total domestic deposits to total assets | 74.5000% | 4,337 |
| Equity capital to assets | 13.8374% | 592 |
| Core capital (leverage) ratio | 10.7196% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9907% | 630 |
| Memoranda: | ||
| Average total assets | $45,060,800 | 4,488 |
| Average earning assets | $40,872,600 | 4,472 |
| Average equity | $5,986,000 | 4,331 |
| Average total loans | $26,942,600 | 4,285 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7897% | 1,791 |
| Cost of funding earning assets | 0.6473% | 341 |
| Net interest margin | 3.1425% | 2,796 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.5407% | 1,889 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.2428% | 4,437 |
| Return on assets (ROA) | 0.1210% | 4,503 |
| Pretax return on assets | 0.2208% | 4,444 |
| Return on Equity (ROE) | 0.9200% | 4,502 |
| Retained earnings to average equity (ytd only) | 0.9214% | 4,225 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.1059% | 902 |
| Assets per employee ($millions) | 6.6256% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3613% | 4,559 |
| Loan loss allowance to noncurrent loans | 74.6154% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 1,833 |
| Noncurrent loans to loans | 0.4843% | 1,591 |
| Net loans and leases to total assets | 57.6700% | 2,738 |
| Net loans and leases to deposits | 76.8261% | 1,809 |
| Net loans and leases to core deposits | 77.3817% | 2,089 |
| Total domestic deposits to total assets | 75.0700% | 4,405 |
| Equity capital to assets | 12.5164% | 768 |
| Core capital (leverage) ratio | 8.8391% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6625% | 1,245 |
| Memoranda: | ||
| Average total assets | $44,082,000 | 4,529 |
| Average earning assets | $39,755,500 | 4,513 |
| Average equity | $5,788,250 | 4,388 |
| Average total loans | $27,024,500 | 4,316 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6507% | 1,677 |
| Cost of funding earning assets | 0.6161% | 246 |
| Net interest margin | 3.0345% | 2,787 |
| Noninterest income to average assets | 0.1524% | 4,250 |
| Noninterest expense to average assets | 2.5856% | 1,683 |
| Loan and lease loss provision to assets | 0.0554% | 1,588 |
| Net operating income to assets | 0.1912% | 4,431 |
| Return on assets (ROA) | 0.1616% | 4,430 |
| Pretax return on assets | 0.2032% | 4,409 |
| Return on Equity (ROE) | 1.2105% | 4,439 |
| Retained earnings to average equity (ytd only) | 1.2105% | 3,945 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8910% | 810 |
| Assets per employee ($millions) | 7.9997% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3309% | 4,647 |
| Loan loss allowance to noncurrent loans | 70.0000% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 1,956 |
| Noncurrent loans to loans | 0.4727% | 1,697 |
| Net loans and leases to total assets | 57.1107% | 2,627 |
| Net loans and leases to deposits | 75.2767% | 1,741 |
| Net loans and leases to core deposits | 75.2767% | 2,067 |
| Total domestic deposits to total assets | 75.8677% | 4,464 |
| Equity capital to assets | 12.0838% | 849 |
| Core capital (leverage) ratio | 9.6745% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4882% | 450 |
| Memoranda: | ||
| Average total assets | $43,316,333 | 4,578 |
| Average earning assets | $38,951,667 | 4,581 |
| Average equity | $5,782,667 | 4,438 |
| Average total loans | $27,084,667 | 4,369 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8613% | 983 |
| Cost of funding earning assets | 0.5999% | 261 |
| Net interest margin | 3.2613% | 1,679 |
| Noninterest income to average assets | 0.1562% | 4,220 |
| Noninterest expense to average assets | 2.7041% | 1,353 |
| Loan and lease loss provision to assets | 0.0586% | 1,352 |
| Net operating income to assets | 0.2143% | 4,304 |
| Return on assets (ROA) | 0.1757% | 4,331 |
| Pretax return on assets | 0.2636% | 4,244 |
| Return on Equity (ROE) | 1.2470% | 4,385 |
| Retained earnings to average equity (ytd only) | 1.2470% | 3,765 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3175% | 1,128 |
| Assets per employee ($millions) | 5.9149% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3198% | 4,678 |
| Loan loss allowance to noncurrent loans | 71.4286% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 1,970 |
| Noncurrent loans to loans | 0.4477% | 1,908 |
| Net loans and leases to total assets | 63.9890% | 1,623 |
| Net loans and leases to deposits | 89.1244% | 554 |
| Net loans and leases to core deposits | 89.1244% | 961 |
| Total domestic deposits to total assets | 71.7974% | 4,633 |
| Equity capital to assets | 13.9672% | 532 |
| Core capital (leverage) ratio | 9.6789% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,975,500 | 4,625 |
| Average earning assets | $36,672,000 | 4,628 |
| Average equity | $5,774,000 | 4,490 |
| Average total loans | $26,875,500 | 4,395 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 944 |
| Cost of funding earning assets | 0.6670% | 379 |
| Net interest margin | 3.5649% | 1,564 |
| Noninterest income to average assets | 0.1438% | 4,438 |
| Noninterest expense to average assets | 2.3389% | 2,689 |
| Loan and lease loss provision to assets | 0.0642% | 1,785 |
| Net operating income to assets | 0.6728% | 3,690 |
| Return on assets (ROA) | 0.6829% | 3,719 |
| Pretax return on assets | 0.9371% | 3,400 |
| Return on Equity (ROE) | 4.6973% | 4,062 |
| Retained earnings to average equity (ytd only) | 4.6973% | 2,926 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8086% | 2,747 |
| Assets per employee ($millions) | 5.7924% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2907% | 4,733 |
| Loan loss allowance to noncurrent loans | 171.7391% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 3,139 |
| Noncurrent loans to loans | 0.1693% | 3,101 |
| Net loans and leases to total assets | 66.8188% | 1,397 |
| Net loans and leases to deposits | 93.9620% | 384 |
| Net loans and leases to core deposits | 93.9620% | 785 |
| Total domestic deposits to total assets | 71.1125% | 4,662 |
| Equity capital to assets | 14.2181% | 626 |
| Core capital (leverage) ratio | 9.6321% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,949,400 | 4,670 |
| Average earning assets | $34,783,200 | 4,670 |
| Average equity | $5,662,800 | 4,563 |
| Average total loans | $25,858,800 | 4,462 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3283% | 914 |
| Cost of funding earning assets | 0.6775% | 436 |
| Net interest margin | 3.6508% | 1,461 |
| Noninterest income to average assets | 0.1453% | 4,471 |
| Noninterest expense to average assets | 2.2689% | 2,835 |
| Loan and lease loss provision to assets | 0.0649% | 1,703 |
| Net operating income to assets | 0.7776% | 3,576 |
| Return on assets (ROA) | 0.8404% | 3,476 |
| Pretax return on assets | 1.1517% | 3,071 |
| Return on Equity (ROE) | 5.7473% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.7473% | 2,935 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1878% | 3,101 |
| Assets per employee ($millions) | 5.5566% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2777% | 4,825 |
| Loan loss allowance to noncurrent loans | 1,825.0000% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 4,164 |
| Noncurrent loans to loans | 0.0152% | 4,092 |
| Net loans and leases to total assets | 67.3925% | 1,386 |
| Net loans and leases to deposits | 96.6378% | 330 |
| Net loans and leases to core deposits | 96.6378% | 715 |
| Total domestic deposits to total assets | 69.7372% | 4,737 |
| Equity capital to assets | 14.7624% | 583 |
| Core capital (leverage) ratio | 9.7737% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,550,000 | 4,746 |
| Average earning assets | $34,439,250 | 4,744 |
| Average equity | $5,637,250 | 4,635 |
| Average total loans | $25,530,500 | 4,519 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 810 |
| Cost of funding earning assets | 0.6812% | 505 |
| Net interest margin | 3.7553% | 1,208 |
| Noninterest income to average assets | 0.1561% | 4,414 |
| Noninterest expense to average assets | 2.1075% | 3,361 |
| Loan and lease loss provision to assets | 0.0676% | 1,701 |
| Net operating income to assets | 0.9692% | 3,004 |
| Return on assets (ROA) | 1.0719% | 2,718 |
| Pretax return on assets | 1.4674% | 2,116 |
| Return on Equity (ROE) | 7.3541% | 3,565 |
| Retained earnings to average equity (ytd only) | 7.3541% | 2,305 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7407% | 3,958 |
| Assets per employee ($millions) | 6.7552% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2483% | 4,863 |
| Loan loss allowance to noncurrent loans | 1,675.0000% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 4,239 |
| Noncurrent loans to loans | 0.0148% | 4,161 |
| Net loans and leases to total assets | 66.4109% | 1,648 |
| Net loans and leases to deposits | 93.7450% | 471 |
| Net loans and leases to core deposits | 97.2576% | 750 |
| Total domestic deposits to total assets | 70.8421% | 4,739 |
| Equity capital to assets | 14.0756% | 701 |
| Core capital (leverage) ratio | 11.4312% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,434,667 | 4,778 |
| Average earning assets | $34,351,000 | 4,774 |
| Average equity | $5,602,333 | 4,667 |
| Average total loans | $25,278,667 | 4,562 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4731% | 811 |
| Cost of funding earning assets | 0.6770% | 597 |
| Net interest margin | 3.7961% | 1,151 |
| Noninterest income to average assets | 0.2140% | 4,113 |
| Noninterest expense to average assets | 1.9900% | 3,751 |
| Loan and lease loss provision to assets | 0.0642% | 1,855 |
| Net operating income to assets | 1.1020% | 2,471 |
| Return on assets (ROA) | 1.1020% | 2,546 |
| Pretax return on assets | 1.5193% | 1,944 |
| Return on Equity (ROE) | 7.4221% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.4221% | 2,445 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5030% | 4,306 |
| Assets per employee ($millions) | 9.6815% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2425% | 4,897 |
| Loan loss allowance to noncurrent loans | 321.0526% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 4,024 |
| Noncurrent loans to loans | 0.0755% | 3,917 |
| Net loans and leases to total assets | 64.8014% | 1,942 |
| Net loans and leases to deposits | 92.9513% | 547 |
| Net loans and leases to core deposits | 96.6642% | 858 |
| Total domestic deposits to total assets | 69.7154% | 4,775 |
| Equity capital to assets | 14.4657% | 581 |
| Core capital (leverage) ratio | 10.0387% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,386,500 | 4,808 |
| Average earning assets | $33,086,500 | 4,809 |
| Average equity | $5,551,000 | 4,689 |
| Average total loans | $24,426,000 | 4,606 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8268% | 3,227 |
| Cost of funding earning assets | 0.9065% | 836 |
| Net interest margin | 2.9202% | 4,074 |
| Noninterest income to average assets | 0.3521% | 3,358 |
| Noninterest expense to average assets | 1.9764% | 4,181 |
| Loan and lease loss provision to assets | 0.0710% | 3,494 |
| Net operating income to assets | 0.6450% | 3,613 |
| Return on assets (ROA) | 0.6450% | 3,739 |
| Pretax return on assets | 0.8876% | 3,404 |
| Return on Equity (ROE) | 4.0447% | 4,147 |
| Retained earnings to average equity (ytd only) | 4.0447% | 2,798 |
| Net charge-offs to loans | -0.0386% | 4,613 |
| Credit loss provision to net charge-offs | -342.8571% | 3,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5605% | 3,785 |
| Assets per employee ($millions) | 9.0118% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2321% | 4,921 |
| Loan loss allowance to noncurrent loans | 220.0000% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 3,997 |
| Noncurrent loans to loans | 0.1055% | 3,870 |
| Net loans and leases to total assets | 65.5838% | 2,148 |
| Net loans and leases to deposits | 91.3450% | 825 |
| Net loans and leases to core deposits | 97.0883% | 1,054 |
| Total domestic deposits to total assets | 71.7979% | 4,717 |
| Equity capital to assets | 15.2579% | 530 |
| Core capital (leverage) ratio | 10.1103% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,799,600 | 4,842 |
| Average earning assets | $29,894,800 | 4,839 |
| Average equity | $5,389,800 | 4,706 |
| Average total loans | $18,118,400 | 4,750 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7314% | 3,724 |
| Cost of funding earning assets | 0.9193% | 1,002 |
| Net interest margin | 2.8122% | 4,326 |
| Noninterest income to average assets | 0.3450% | 3,405 |
| Noninterest expense to average assets | 1.9295% | 4,287 |
| Loan and lease loss provision to assets | 0.0722% | 3,421 |
| Net operating income to assets | 0.6017% | 3,759 |
| Return on assets (ROA) | 0.6017% | 3,860 |
| Pretax return on assets | 0.8344% | 3,559 |
| Return on Equity (ROE) | 3.7297% | 4,234 |
| Retained earnings to average equity (ytd only) | 3.7297% | 3,180 |
| Net charge-offs to loans | -0.0399% | 4,611 |
| Credit loss provision to net charge-offs | -360.0000% | 3,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7086% | 3,709 |
| Assets per employee ($millions) | 8.6615% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2430% | 4,953 |
| Loan loss allowance to noncurrent loans | 151.6129% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 3,981 |
| Noncurrent loans to loans | 0.1603% | 3,741 |
| Net loans and leases to total assets | 55.6976% | 3,650 |
| Net loans and leases to deposits | 78.7536% | 2,452 |
| Net loans and leases to core deposits | 84.0023% | 2,474 |
| Total domestic deposits to total assets | 70.7239% | 4,734 |
| Equity capital to assets | 15.6786% | 513 |
| Core capital (leverage) ratio | 10.0476% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,237,750 | 4,875 |
| Average earning assets | $29,442,750 | 4,874 |
| Average equity | $5,362,250 | 4,732 |
| Average total loans | $16,724,000 | 4,807 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 4,085 |
| Cost of funding earning assets | 0.9275% | 1,247 |
| Net interest margin | 2.7757% | 4,482 |
| Noninterest income to average assets | 0.3906% | 3,138 |
| Noninterest expense to average assets | 1.8799% | 4,442 |
| Loan and lease loss provision to assets | 0.0732% | 3,382 |
| Net operating income to assets | 0.6836% | 3,451 |
| Return on assets (ROA) | 0.6836% | 3,554 |
| Pretax return on assets | 0.9033% | 3,306 |
| Return on Equity (ROE) | 4.1955% | 4,051 |
| Retained earnings to average equity (ytd only) | 4.1955% | 2,820 |
| Net charge-offs to loans | -0.0505% | 4,685 |
| Credit loss provision to net charge-offs | -300.0000% | 3,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3419% | 4,023 |
| Assets per employee ($millions) | 8.7318% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2325% | 4,985 |
| Loan loss allowance to noncurrent loans | 97.5610% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 3,953 |
| Noncurrent loans to loans | 0.2383% | 3,523 |
| Net loans and leases to total assets | 49.1454% | 4,200 |
| Net loans and leases to deposits | 69.4405% | 3,466 |
| Net loans and leases to core deposits | 73.9361% | 3,465 |
| Total domestic deposits to total assets | 70.7733% | 4,763 |
| Equity capital to assets | 15.4408% | 546 |
| Core capital (leverage) ratio | 10.0278% | 2,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,768,333 | 4,905 |
| Average earning assets | $29,109,333 | 4,906 |
| Average equity | $5,339,000 | 4,762 |
| Average total loans | $15,850,667 | 4,848 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 3,925 |
| Cost of funding earning assets | 0.9172% | 1,781 |
| Net interest margin | 3.0337% | 4,222 |
| Noninterest income to average assets | 0.3534% | 3,401 |
| Noninterest expense to average assets | 1.9060% | 4,538 |
| Loan and lease loss provision to assets | 0.0757% | 2,779 |
| Net operating income to assets | 0.7700% | 3,023 |
| Return on assets (ROA) | 0.7700% | 3,093 |
| Pretax return on assets | 1.0856% | 2,571 |
| Return on Equity (ROE) | 4.5934% | 3,784 |
| Retained earnings to average equity (ytd only) | 4.5934% | 2,460 |
| Net charge-offs to loans | -0.1054% | 4,828 |
| Credit loss provision to net charge-offs | -150.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2634% | 4,536 |
| Assets per employee ($millions) | 8.4210% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2253% | 5,028 |
| Loan loss allowance to noncurrent loans | 70.8333% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 3,939 |
| Noncurrent loans to loans | 0.3180% | 3,354 |
| Net loans and leases to total assets | 44.7037% | 4,481 |
| Net loans and leases to deposits | 64.2214% | 3,971 |
| Net loans and leases to core deposits | 68.5951% | 3,958 |
| Total domestic deposits to total assets | 69.6087% | 4,867 |
| Equity capital to assets | 15.8592% | 608 |
| Core capital (leverage) ratio | 10.9925% | 2,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,689,000 | 4,957 |
| Average earning assets | $28,348,500 | 4,954 |
| Average equity | $5,312,000 | 4,802 |
| Average total loans | $15,173,500 | 4,899 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1740% | 5,004 |
| Cost of funding earning assets | 0.5532% | 3,856 |
| Net interest margin | 2.6208% | 4,891 |
| Noninterest income to average assets | 0.2945% | 3,926 |
| Noninterest expense to average assets | 1.5945% | 4,952 |
| Loan and lease loss provision to assets | 0.0503% | 3,017 |
| Net operating income to assets | 0.7577% | 3,681 |
| Return on assets (ROA) | 0.7577% | 3,758 |
| Pretax return on assets | 1.0486% | 3,339 |
| Return on Equity (ROE) | 3.9087% | 4,482 |
| Retained earnings to average equity (ytd only) | 3.9087% | 3,013 |
| Net charge-offs to loans | -0.0195% | 4,619 |
| Credit loss provision to net charge-offs | -466.6667% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6000% | 4,633 |
| Assets per employee ($millions) | 7.4235% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1573% | 5,098 |
| Loan loss allowance to noncurrent loans | 42.8571% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 3,707 |
| Noncurrent loans to loans | 0.3671% | 3,134 |
| Net loans and leases to total assets | 51.2932% | 4,268 |
| Net loans and leases to deposits | 62.4913% | 4,169 |
| Net loans and leases to core deposits | 69.5543% | 3,988 |
| Total domestic deposits to total assets | 82.0806% | 3,493 |
| Equity capital to assets | 17.7881% | 389 |
| Core capital (leverage) ratio | 10.7711% | 2,700 |
| Tier 1 risk-based capital ratio | 21.3752% | 1,105 |
| Total risk-based capital ratio | 21.5429% | 1,258 |
| Memoranda: | ||
| Average total assets | $27,846,200 | 5,049 |
| Average earning assets | $25,488,600 | 5,038 |
| Average equity | $5,398,200 | 4,838 |
| Average total loans | $15,370,000 | 4,958 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5773% | 5,209 |
| Cost of funding earning assets | 0.2905% | 4,815 |
| Net interest margin | 2.2868% | 5,132 |
| Noninterest income to average assets | 0.2678% | 4,137 |
| Noninterest expense to average assets | 1.4509% | 5,094 |
| Loan and lease loss provision to assets | 0.0390% | 3,125 |
| Net operating income to assets | 0.8861% | 3,398 |
| Return on assets (ROA) | 0.8861% | 3,471 |
| Pretax return on assets | 0.8861% | 3,922 |
| Return on Equity (ROE) | 4.4711% | 4,485 |
| Retained earnings to average equity (ytd only) | 4.4711% | 3,161 |
| Net charge-offs to loans | 0.0433% | 2,231 |
| Credit loss provision to net charge-offs | 160.0000% | 1,556 |
| Earnings coverage of net charge-offs (x) | 37.9805% | 1,415 |
| Efficiency ratio | 54.5082% | 4,334 |
| Assets per employee ($millions) | 7.7963% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0620% | 5,191 |
| Loan loss allowance to noncurrent loans | 3.1250% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 1,304 |
| Noncurrent loans to loans | 1.9845% | 682 |
| Net loans and leases to total assets | 51.6755% | 4,329 |
| Net loans and leases to deposits | 62.2153% | 4,276 |
| Net loans and leases to core deposits | 68.8822% | 4,115 |
| Total domestic deposits to total assets | 83.0592% | 3,148 |
| Equity capital to assets | 16.8446% | 500 |
| Core capital (leverage) ratio | 11.7683% | 2,032 |
| Tier 1 risk-based capital ratio | 22.9010% | 952 |
| Total risk-based capital ratio | 22.9718% | 1,083 |
| Memoranda: | ||
| Average total assets | $27,384,250 | 5,128 |
| Average earning assets | $25,245,500 | 5,115 |
| Average equity | $5,427,250 | 4,900 |
| Average total loans | $15,398,750 | 5,035 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8105% | 5,288 |
| Cost of funding earning assets | 0.2048% | 5,062 |
| Net interest margin | 1.6057% | 5,271 |
| Noninterest income to average assets | 0.1378% | 4,882 |
| Noninterest expense to average assets | 0.8117% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8270% | 3,553 |
| Return on assets (ROA) | 0.8270% | 3,616 |
| Pretax return on assets | 0.8270% | 4,027 |
| Return on Equity (ROE) | 3.9378% | 4,602 |
| Retained earnings to average equity (ytd only) | 3.9378% | 3,276 |
| Net charge-offs to loans | 0.0792% | 1,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,871 |
| Efficiency ratio | 44.8598% | 5,034 |
| Assets per employee ($millions) | 7.2033% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0202% | 5,248 |
| Loan loss allowance to noncurrent loans | 3.6145% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 3,400 |
| Noncurrent loans to loans | 0.5589% | 2,596 |
| Net loans and leases to total assets | 51.5323% | 4,386 |
| Net loans and leases to deposits | 62.8487% | 4,288 |
| Net loans and leases to core deposits | 64.2270% | 4,403 |
| Total domestic deposits to total assets | 81.9942% | 3,509 |
| Equity capital to assets | 17.9745% | 383 |
| Core capital (leverage) ratio | 12.4515% | 1,563 |
| Tier 1 risk-based capital ratio | 18.9616% | 1,564 |
| Total risk-based capital ratio | 18.9796% | 1,830 |
| Memoranda: | ||
| Average total assets | $26,117,330 | 5,187 |
| Average earning assets | $24,413,670 | 5,169 |
| Average equity | $5,485,330 | 4,924 |
| Average total loans | $15,156,670 | 5,085 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4418% | 3,079 |
| Cost of funding earning assets | 0.3688% | 4,607 |
| Net interest margin | 4.0731% | 1,628 |
| Noninterest income to average assets | 0.4845% | 2,648 |
| Noninterest expense to average assets | 3.1329% | 1,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2758% | 1,792 |
| Return on assets (ROA) | 1.2758% | 1,837 |
| Pretax return on assets | 1.2758% | 2,547 |
| Return on Equity (ROE) | 5.6043% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.6043% | 2,641 |
| Net charge-offs to loans | 0.2613% | 560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 7.9000% | 2,108 |
| Efficiency ratio | 71.0623% | 2,176 |
| Assets per employee ($millions) | 4.1037% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6325% | 4,879 |
| Loan loss allowance to noncurrent loans | 34.0426% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.1453% | 1,186 |
| Noncurrent loans to loans | 1.8580% | 825 |
| Net loans and leases to total assets | 61.2542% | 3,573 |
| Net loans and leases to deposits | 79.7989% | 2,861 |
| Net loans and leases to core deposits | 81.9986% | 3,185 |
| Total domestic deposits to total assets | 76.7606% | 4,679 |
| Equity capital to assets | 23.0647% | 145 |
| Core capital (leverage) ratio | 23.3299% | 146 |
| Tier 1 risk-based capital ratio | 42.5586% | 195 |
| Total risk-based capital ratio | 43.2777% | 197 |
| Memoranda: | ||
| Average total assets | $24,769,500 | 5,257 |
| Average earning assets | $23,864,000 | 5,231 |
| Average equity | $5,638,500 | 4,940 |
| Average total loans | $15,309,500 | 5,143 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 2,919 |
| Cost of funding earning assets | 0.3444% | 4,317 |
| Net interest margin | 4.0083% | 1,959 |
| Noninterest income to average assets | 0.4745% | 2,974 |
| Noninterest expense to average assets | 2.7989% | 2,695 |
| Loan and lease loss provision to assets | -0.2574% | 5,353 |
| Net operating income to assets | 1.6769% | 722 |
| Return on assets (ROA) | 1.6769% | 724 |
| Pretax return on assets | 1.6769% | 1,225 |
| Return on Equity (ROE) | 7.5197% | 3,653 |
| Retained earnings to average equity (ytd only) | 2.7590% | 4,019 |
| Net charge-offs to loans | -0.0516% | 4,983 |
| Credit loss provision to net charge-offs | 800.0000% | 446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3489% | 2,813 |
| Assets per employee ($millions) | 4.1528% | 3,685 |
| Cash dividends to net income (ytd only)* | 63.3094% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6865% | 4,825 |
| Loan loss allowance to noncurrent loans | 57.6087% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7385% | 1,882 |
| Noncurrent loans to loans | 1.1916% | 1,345 |
| Net loans and leases to total assets | 61.5443% | 3,615 |
| Net loans and leases to deposits | 79.4107% | 3,016 |
| Net loans and leases to core deposits | 81.5518% | 3,296 |
| Total domestic deposits to total assets | 77.5013% | 4,563 |
| Equity capital to assets | 22.4666% | 161 |
| Core capital (leverage) ratio | 22.9518% | 144 |
| Tier 1 risk-based capital ratio | 41.4331% | 216 |
| Total risk-based capital ratio | 42.2170% | 214 |
| Memoranda: | ||
| Average total assets | $24,866,800 | 5,299 |
| Average earning assets | $23,227,000 | 5,283 |
| Average equity | $5,545,400 | 4,964 |
| Average total loans | $15,507,200 | 5,180 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3456% | 2,803 |
| Cost of funding earning assets | 0.3249% | 4,350 |
| Net interest margin | 4.0208% | 1,891 |
| Noninterest income to average assets | 0.4828% | 2,963 |
| Noninterest expense to average assets | 2.7091% | 2,950 |
| Loan and lease loss provision to assets | -0.3433% | 5,436 |
| Net operating income to assets | 1.8347% | 570 |
| Return on assets (ROA) | 1.8347% | 569 |
| Pretax return on assets | 1.8347% | 934 |
| Return on Equity (ROE) | 8.2424% | 3,447 |
| Retained earnings to average equity (ytd only) | 3.3017% | 4,100 |
| Net charge-offs to loans | -0.0515% | 4,940 |
| Credit loss provision to net charge-offs | 1,066.6667% | 398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4955% | 3,102 |
| Assets per employee ($millions) | 3.9605% | 3,951 |
| Cash dividends to net income (ytd only)* | 59.9421% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6845% | 4,901 |
| Loan loss allowance to noncurrent loans | 48.5981% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 0.9006% | 1,641 |
| Noncurrent loans to loans | 1.4085% | 1,178 |
| Net loans and leases to total assets | 63.5021% | 3,486 |
| Net loans and leases to deposits | 83.1359% | 2,692 |
| Net loans and leases to core deposits | 85.5248% | 3,044 |
| Total domestic deposits to total assets | 76.3835% | 4,746 |
| Equity capital to assets | 23.4819% | 132 |
| Core capital (leverage) ratio | 23.2534% | 134 |
| Tier 1 risk-based capital ratio | 43.0742% | 192 |
| Total risk-based capital ratio | 43.8763% | 189 |
| Memoranda: | ||
| Average total assets | $24,854,250 | 5,368 |
| Average earning assets | $22,980,250 | 5,356 |
| Average equity | $5,532,250 | 5,022 |
| Average total loans | $15,523,750 | 5,245 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 2,402 |
| Cost of funding earning assets | 0.3139% | 4,320 |
| Net interest margin | 4.0896% | 1,592 |
| Noninterest income to average assets | 0.4283% | 3,305 |
| Noninterest expense to average assets | 2.5141% | 3,594 |
| Loan and lease loss provision to assets | -0.5076% | 5,514 |
| Net operating income to assets | 2.1413% | 283 |
| Return on assets (ROA) | 2.1413% | 277 |
| Pretax return on assets | 2.1413% | 443 |
| Return on Equity (ROE) | 9.7891% | 2,666 |
| Retained earnings to average equity (ytd only) | 3.3718% | 3,893 |
| Net charge-offs to loans | -0.0384% | 4,824 |
| Credit loss provision to net charge-offs | 2,133.3333% | 197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6119% | 3,834 |
| Assets per employee ($millions) | 4.1695% | 3,630 |
| Cash dividends to net income (ytd only)* | 65.5556% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6540% | 5,025 |
| Loan loss allowance to noncurrent loans | 12.1687% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 3.3177% | 203 |
| Noncurrent loans to loans | 5.3743% | 116 |
| Net loans and leases to total assets | 61.3303% | 3,667 |
| Net loans and leases to deposits | 78.8357% | 3,068 |
| Net loans and leases to core deposits | 80.9443% | 3,325 |
| Total domestic deposits to total assets | 77.7951% | 4,624 |
| Equity capital to assets | 22.1290% | 158 |
| Core capital (leverage) ratio | 22.3495% | 154 |
| Tier 1 risk-based capital ratio | 40.2732% | 223 |
| Total risk-based capital ratio | 41.0072% | 228 |
| Memoranda: | ||
| Average total assets | $25,218,000 | 5,428 |
| Average earning assets | $22,936,330 | 5,419 |
| Average equity | $5,516,330 | 5,079 |
| Average total loans | $15,633,670 | 5,303 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5484% | 1,719 |
| Cost of funding earning assets | 0.3236% | 4,184 |
| Net interest margin | 4.2248% | 1,112 |
| Noninterest income to average assets | 0.4108% | 3,389 |
| Noninterest expense to average assets | 2.2276% | 4,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8958% | 456 |
| Return on assets (ROA) | 1.8958% | 459 |
| Pretax return on assets | 1.8958% | 731 |
| Return on Equity (ROE) | 8.7170% | 3,047 |
| Retained earnings to average equity (ytd only) | 8.7170% | 1,569 |
| Net charge-offs to loans | -0.1017% | 5,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0230% | 4,795 |
| Assets per employee ($millions) | 4.1568% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 3,398 |
| Loan loss allowance to noncurrent loans | 31.4394% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 2.1170% | 514 |
| Noncurrent loans to loans | 3.4916% | 299 |
| Net loans and leases to total assets | 59.9655% | 3,753 |
| Net loans and leases to deposits | 77.2481% | 3,089 |
| Net loans and leases to core deposits | 79.3253% | 3,382 |
| Total domestic deposits to total assets | 77.6272% | 4,784 |
| Equity capital to assets | 22.3086% | 150 |
| Core capital (leverage) ratio | 22.4064% | 142 |
| Tier 1 risk-based capital ratio | 41.2440% | 213 |
| Total risk-based capital ratio | 42.4732% | 209 |
| Memoranda: | ||
| Average total assets | $25,318,500 | 5,489 |
| Average earning assets | $22,249,500 | 5,484 |
| Average equity | $5,506,500 | 5,135 |
| Average total loans | $15,728,500 | 5,361 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 2,176 |
| Cost of funding earning assets | 0.3181% | 3,973 |
| Net interest margin | 4.0327% | 1,648 |
| Noninterest income to average assets | 0.4136% | 3,543 |
| Noninterest expense to average assets | 2.5591% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5396% | 740 |
| Return on assets (ROA) | 1.5396% | 753 |
| Pretax return on assets | 1.5396% | 1,489 |
| Return on Equity (ROE) | 7.0278% | 3,261 |
| Retained earnings to average equity (ytd only) | 3.9812% | 2,807 |
| Net charge-offs to loans | -0.0933% | 5,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4376% | 3,870 |
| Assets per employee ($millions) | 4.2827% | 3,516 |
| Cash dividends to net income (ytd only)* | 43.3511% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 3,994 |
| Loan loss allowance to noncurrent loans | 14.0017% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 4.5026% | 117 |
| Noncurrent loans to loans | 7.0830% | 60 |
| Net loans and leases to total assets | 62.9398% | 3,493 |
| Net loans and leases to deposits | 79.9180% | 2,929 |
| Net loans and leases to core deposits | 81.9716% | 3,244 |
| Total domestic deposits to total assets | 78.7554% | 4,591 |
| Equity capital to assets | 21.2056% | 172 |
| Core capital (leverage) ratio | 21.9909% | 143 |
| Tier 1 risk-based capital ratio | 37.6381% | 261 |
| Total risk-based capital ratio | 38.7569% | 258 |
| Memoranda: | ||
| Average total assets | $24,422,400 | 5,552 |
| Average earning assets | $22,317,800 | 5,540 |
| Average equity | $5,350,200 | 5,213 |
| Average total loans | $16,068,800 | 5,419 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 2,214 |
| Cost of funding earning assets | 0.3187% | 3,946 |
| Net interest margin | 3.9993% | 1,703 |
| Noninterest income to average assets | 0.4149% | 3,593 |
| Noninterest expense to average assets | 2.4172% | 3,973 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6760% | 612 |
| Return on assets (ROA) | 1.6760% | 626 |
| Pretax return on assets | 1.6760% | 1,178 |
| Return on Equity (ROE) | 7.5860% | 3,352 |
| Retained earnings to average equity (ytd only) | 4.2811% | 3,354 |
| Net charge-offs to loans | -0.0917% | 5,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0541% | 4,344 |
| Assets per employee ($millions) | 4.2557% | 3,554 |
| Cash dividends to net income (ytd only)* | 43.5654% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 4,304 |
| Loan loss allowance to noncurrent loans | 11.8619% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 5.2166% | 95 |
| Noncurrent loans to loans | 8.0440% | 47 |
| Net loans and leases to total assets | 64.2320% | 3,361 |
| Net loans and leases to deposits | 81.6092% | 2,817 |
| Net loans and leases to core deposits | 83.7213% | 3,150 |
| Total domestic deposits to total assets | 78.7068% | 4,591 |
| Equity capital to assets | 21.1639% | 180 |
| Core capital (leverage) ratio | 22.0809% | 140 |
| Tier 1 risk-based capital ratio | 36.1960% | 297 |
| Total risk-based capital ratio | 37.2553% | 296 |
| Memoranda: | ||
| Average total assets | $24,104,000 | 5,620 |
| Average earning assets | $22,169,750 | 5,606 |
| Average equity | $5,325,500 | 5,274 |
| Average total loans | $16,002,250 | 5,482 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 2,065 |
| Cost of funding earning assets | 0.3308% | 3,782 |
| Net interest margin | 3.9884% | 1,646 |
| Noninterest income to average assets | 0.4402% | 3,419 |
| Noninterest expense to average assets | 2.5310% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5829% | 737 |
| Return on assets (ROA) | 1.5829% | 755 |
| Pretax return on assets | 1.5829% | 1,397 |
| Return on Equity (ROE) | 7.0575% | 3,525 |
| Retained earnings to average equity (ytd only) | 4.2647% | 3,170 |
| Net charge-offs to loans | -0.0759% | 5,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5226% | 4,078 |
| Assets per employee ($millions) | 3.9307% | 4,082 |
| Cash dividends to net income (ytd only)* | 39.5722% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 4,450 |
| Loan loss allowance to noncurrent loans | 22.2707% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 2.9130% | 325 |
| Noncurrent loans to loans | 4.2332% | 212 |
| Net loans and leases to total assets | 68.1649% | 2,792 |
| Net loans and leases to deposits | 88.2860% | 1,952 |
| Net loans and leases to core deposits | 90.8146% | 2,452 |
| Total domestic deposits to total assets | 77.2091% | 4,928 |
| Equity capital to assets | 22.6722% | 134 |
| Core capital (leverage) ratio | 22.2403% | 137 |
| Tier 1 risk-based capital ratio | 37.7563% | 249 |
| Total risk-based capital ratio | 38.8378% | 246 |
| Memoranda: | ||
| Average total assets | $23,627,330 | 5,670 |
| Average earning assets | $21,763,330 | 5,654 |
| Average equity | $5,299,330 | 5,313 |
| Average total loans | $15,816,670 | 5,531 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 2,322 |
| Cost of funding earning assets | 0.3148% | 3,905 |
| Net interest margin | 3.8704% | 1,885 |
| Noninterest income to average assets | 0.3721% | 3,868 |
| Noninterest expense to average assets | 2.4694% | 3,905 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4377% | 917 |
| Return on assets (ROA) | 1.4377% | 942 |
| Pretax return on assets | 1.4377% | 1,741 |
| Return on Equity (ROE) | 6.4449% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.4449% | 2,113 |
| Net charge-offs to loans | -0.0769% | 5,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2035% | 3,955 |
| Assets per employee ($millions) | 3.9572% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 4,539 |
| Loan loss allowance to noncurrent loans | 25.8621% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 2.4428% | 483 |
| Noncurrent loans to loans | 3.6818% | 313 |
| Net loans and leases to total assets | 65.7162% | 3,015 |
| Net loans and leases to deposits | 84.7621% | 2,186 |
| Net loans and leases to core deposits | 87.1627% | 2,624 |
| Total domestic deposits to total assets | 77.5302% | 5,038 |
| Equity capital to assets | 22.4024% | 139 |
| Core capital (leverage) ratio | 22.1421% | 134 |
| Tier 1 risk-based capital ratio | 37.6977% | 259 |
| Total risk-based capital ratio | 38.7616% | 260 |
| Memoranda: | ||
| Average total assets | $23,649,000 | 5,740 |
| Average earning assets | $21,600,000 | 5,724 |
| Average equity | $5,275,500 | 5,364 |
| Average total loans | $15,610,500 | 5,598 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2236% | 2,409 |
| Cost of funding earning assets | 0.3467% | 3,550 |
| Net interest margin | 3.8768% | 2,039 |
| Noninterest income to average assets | 0.3931% | 3,945 |
| Noninterest expense to average assets | 2.6028% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3531% | 1,092 |
| Return on assets (ROA) | 1.3531% | 1,145 |
| Pretax return on assets | 1.3531% | 2,090 |
| Return on Equity (ROE) | 6.3419% | 3,818 |
| Retained earnings to average equity (ytd only) | 4.0534% | 3,033 |
| Net charge-offs to loans | 0.7466% | 278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.8684% | 3,757 |
| Efficiency ratio | 65.7950% | 3,627 |
| Assets per employee ($millions) | 3.9258% | 4,106 |
| Cash dividends to net income (ytd only)* | 36.0856% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 4,580 |
| Loan loss allowance to noncurrent loans | 30.0000% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 2.3519% | 525 |
| Noncurrent loans to loans | 3.1678% | 410 |
| Net loans and leases to total assets | 65.0435% | 3,211 |
| Net loans and leases to deposits | 83.6664% | 2,461 |
| Net loans and leases to core deposits | 86.0489% | 2,844 |
| Total domestic deposits to total assets | 77.7415% | 5,012 |
| Equity capital to assets | 22.2118% | 143 |
| Core capital (leverage) ratio | 22.0544% | 136 |
| Tier 1 risk-based capital ratio | 37.5521% | 260 |
| Total risk-based capital ratio | 38.6080% | 261 |
| Memoranda: | ||
| Average total assets | $24,166,400 | 5,785 |
| Average earning assets | $22,208,800 | 5,771 |
| Average equity | $5,156,200 | 5,444 |
| Average total loans | $15,270,200 | 5,660 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 2,485 |
| Cost of funding earning assets | 0.3517% | 3,519 |
| Net interest margin | 3.8571% | 2,130 |
| Noninterest income to average assets | 0.5537% | 2,896 |
| Noninterest expense to average assets | 2.6974% | 3,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4035% | 1,064 |
| Return on assets (ROA) | 1.4035% | 1,114 |
| Pretax return on assets | 1.4035% | 2,026 |
| Return on Equity (ROE) | 6.6440% | 3,755 |
| Retained earnings to average equity (ytd only) | 3.9969% | 3,461 |
| Net charge-offs to loans | 1.0074% | 167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.2260% | 3,604 |
| Efficiency ratio | 65.7754% | 3,628 |
| Assets per employee ($millions) | 3.8945% | 4,138 |
| Cash dividends to net income (ytd only)* | 39.8453% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 4,533 |
| Loan loss allowance to noncurrent loans | 37.2449% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 1.7418% | 962 |
| Noncurrent loans to loans | 2.6222% | 643 |
| Net loans and leases to total assets | 63.3500% | 3,482 |
| Net loans and leases to deposits | 81.6357% | 2,777 |
| Net loans and leases to core deposits | 83.9839% | 3,123 |
| Total domestic deposits to total assets | 77.6009% | 4,983 |
| Equity capital to assets | 22.2322% | 155 |
| Core capital (leverage) ratio | 22.0371% | 137 |
| Tier 1 risk-based capital ratio | 38.8830% | 246 |
| Total risk-based capital ratio | 39.9805% | 246 |
| Memoranda: | ||
| Average total assets | $24,319,250 | 5,844 |
| Average earning assets | $22,365,250 | 5,833 |
| Average equity | $5,137,250 | 5,502 |
| Average total loans | $15,220,750 | 5,720 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 2,129 |
| Cost of funding earning assets | 0.3561% | 3,496 |
| Net interest margin | 3.9526% | 1,798 |
| Noninterest income to average assets | 0.5277% | 3,020 |
| Noninterest expense to average assets | 2.4435% | 4,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6885% | 593 |
| Return on assets (ROA) | 1.6885% | 629 |
| Pretax return on assets | 1.6885% | 1,126 |
| Return on Equity (ROE) | 8.1282% | 2,927 |
| Retained earnings to average equity (ytd only) | 5.6272% | 2,348 |
| Net charge-offs to loans | 0.7837% | 259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.4667% | 3,104 |
| Efficiency ratio | 59.1356% | 4,748 |
| Assets per employee ($millions) | 3.9915% | 3,919 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 2,637 |
| Loan loss allowance to noncurrent loans | 38.5057% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 2.3675% | 622 |
| Noncurrent loans to loans | 3.4467% | 385 |
| Net loans and leases to total assets | 62.3993% | 3,578 |
| Net loans and leases to deposits | 79.8035% | 2,953 |
| Net loans and leases to core deposits | 82.0243% | 3,266 |
| Total domestic deposits to total assets | 78.1912% | 4,964 |
| Equity capital to assets | 21.6711% | 160 |
| Core capital (leverage) ratio | 21.4194% | 151 |
| Tier 1 risk-based capital ratio | 38.2179% | 260 |
| Total risk-based capital ratio | 39.4686% | 257 |
| Memoranda: | ||
| Average total assets | $24,636,670 | 5,915 |
| Average earning assets | $22,466,000 | 5,906 |
| Average equity | $5,118,000 | 5,562 |
| Average total loans | $15,311,330 | 5,782 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 2,001 |
| Cost of funding earning assets | 0.3556% | 3,545 |
| Net interest margin | 3.9832% | 1,663 |
| Noninterest income to average assets | 0.4804% | 3,258 |
| Noninterest expense to average assets | 2.4339% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6333% | 659 |
| Return on assets (ROA) | 1.6333% | 699 |
| Pretax return on assets | 1.6333% | 1,220 |
| Return on Equity (ROE) | 8.0283% | 2,895 |
| Retained earnings to average equity (ytd only) | 8.0283% | 1,445 |
| Net charge-offs to loans | 1.1433% | 158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.3182% | 2,702 |
| Efficiency ratio | 59.8425% | 4,769 |
| Assets per employee ($millions) | 4.0627% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 2,392 |
| Loan loss allowance to noncurrent loans | 48.2222% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 2.0840% | 820 |
| Noncurrent loans to loans | 2.9181% | 567 |
| Net loans and leases to total assets | 62.3728% | 3,474 |
| Net loans and leases to deposits | 79.0969% | 2,891 |
| Net loans and leases to core deposits | 81.2396% | 3,212 |
| Total domestic deposits to total assets | 78.8563% | 5,000 |
| Equity capital to assets | 21.0740% | 177 |
| Core capital (leverage) ratio | 20.8739% | 167 |
| Tier 1 risk-based capital ratio | 36.3966% | 302 |
| Total risk-based capital ratio | 37.6475% | 298 |
| Memoranda: | ||
| Average total assets | $24,980,500 | 5,970 |
| Average earning assets | $22,494,500 | 5,962 |
| Average equity | $5,082,000 | 5,612 |
| Average total loans | $15,394,500 | 5,832 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1410% | 2,769 |
| Cost of funding earning assets | 0.3849% | 3,320 |
| Net interest margin | 3.7561% | 2,532 |
| Noninterest income to average assets | 0.5208% | 3,194 |
| Noninterest expense to average assets | 2.6041% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3712% | 1,097 |
| Return on assets (ROA) | 1.3712% | 1,145 |
| Pretax return on assets | 1.3712% | 2,018 |
| Return on Equity (ROE) | 6.7913% | 3,623 |
| Retained earnings to average equity (ytd only) | 2.7609% | 4,108 |
| Net charge-offs to loans | -0.0136% | 5,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5067% | 3,984 |
| Assets per employee ($millions) | 4.2642% | 3,460 |
| Cash dividends to net income (ytd only)* | 59.3472% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 1,352 |
| Loan loss allowance to noncurrent loans | 48.2440% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 2.1145% | 813 |
| Noncurrent loans to loans | 3.5203% | 395 |
| Net loans and leases to total assets | 59.0463% | 3,962 |
| Net loans and leases to deposits | 73.5241% | 3,549 |
| Net loans and leases to core deposits | 81.4833% | 3,204 |
| Total domestic deposits to total assets | 80.3088% | 4,661 |
| Equity capital to assets | 19.6482% | 218 |
| Core capital (leverage) ratio | 19.6770% | 206 |
| Tier 1 risk-based capital ratio | 34.7959% | 340 |
| Total risk-based capital ratio | 36.0505% | 337 |
| Memoranda: | ||
| Average total assets | $24,576,200 | 6,032 |
| Average earning assets | $22,603,400 | 6,015 |
| Average equity | $4,962,200 | 5,665 |
| Average total loans | $14,746,400 | 5,900 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 3,001 |
| Cost of funding earning assets | 0.3944% | 3,277 |
| Net interest margin | 3.6910% | 2,806 |
| Noninterest income to average assets | 0.5262% | 3,191 |
| Noninterest expense to average assets | 2.6037% | 3,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3594% | 1,203 |
| Return on assets (ROA) | 1.3594% | 1,253 |
| Pretax return on assets | 1.3594% | 2,180 |
| Return on Equity (ROE) | 6.6854% | 3,789 |
| Retained earnings to average equity (ytd only) | 2.2913% | 4,744 |
| Net charge-offs to loans | -0.0091% | 4,961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6985% | 3,947 |
| Assets per employee ($millions) | 4.1437% | 3,632 |
| Cash dividends to net income (ytd only)* | 65.7261% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6469% | 1,618 |
| Loan loss allowance to noncurrent loans | 45.1389% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 2.3168% | 788 |
| Noncurrent loans to loans | 3.6486% | 408 |
| Net loans and leases to total assets | 62.4527% | 3,543 |
| Net loans and leases to deposits | 78.2887% | 3,071 |
| Net loans and leases to core deposits | 84.7266% | 2,967 |
| Total domestic deposits to total assets | 79.7723% | 4,794 |
| Equity capital to assets | 20.0587% | 232 |
| Core capital (leverage) ratio | 19.8118% | 213 |
| Tier 1 risk-based capital ratio | 34.6516% | 353 |
| Total risk-based capital ratio | 35.9071% | 355 |
| Memoranda: | ||
| Average total assets | $24,324,000 | 6,125 |
| Average earning assets | $22,649,250 | 6,099 |
| Average equity | $4,946,000 | 5,738 |
| Average total loans | $14,591,000 | 5,981 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0235% | 3,190 |
| Cost of funding earning assets | 0.4015% | 3,260 |
| Net interest margin | 3.6220% | 3,006 |
| Noninterest income to average assets | 0.5467% | 3,061 |
| Noninterest expense to average assets | 2.5927% | 3,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3171% | 1,268 |
| Return on assets (ROA) | 1.3171% | 1,321 |
| Pretax return on assets | 1.3171% | 2,301 |
| Return on Equity (ROE) | 6.4473% | 3,904 |
| Retained earnings to average equity (ytd only) | 1.2570% | 5,050 |
| Net charge-offs to loans | -0.0141% | 5,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3136% | 3,957 |
| Assets per employee ($millions) | 4.0010% | 3,884 |
| Cash dividends to net income (ytd only)* | 80.5031% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7813% | 1,408 |
| Loan loss allowance to noncurrent loans | 45.6140% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 2.5410% | 735 |
| Noncurrent loans to loans | 3.9052% | 404 |
| Net loans and leases to total assets | 59.7184% | 3,876 |
| Net loans and leases to deposits | 75.2704% | 3,352 |
| Net loans and leases to core deposits | 79.5472% | 3,438 |
| Total domestic deposits to total assets | 79.3385% | 5,017 |
| Equity capital to assets | 20.5157% | 206 |
| Core capital (leverage) ratio | 20.6393% | 178 |
| Tier 1 risk-based capital ratio | 35.7148% | 345 |
| Total risk-based capital ratio | 36.9722% | 342 |
| Memoranda: | ||
| Average total assets | $24,144,670 | 6,199 |
| Average earning assets | $22,418,330 | 6,177 |
| Average equity | $4,932,330 | 5,796 |
| Average total loans | $14,192,330 | 6,057 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9054% | 3,583 |
| Cost of funding earning assets | 0.4102% | 3,189 |
| Net interest margin | 3.4952% | 3,458 |
| Noninterest income to average assets | 0.5451% | 2,986 |
| Noninterest expense to average assets | 2.3127% | 4,848 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4702% | 903 |
| Return on assets (ROA) | 1.4702% | 964 |
| Pretax return on assets | 1.4702% | 1,660 |
| Return on Equity (ROE) | 7.2123% | 3,395 |
| Retained earnings to average equity (ytd only) | 7.2123% | 1,915 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1354% | 4,943 |
| Assets per employee ($millions) | 4.0042% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 1,415 |
| Loan loss allowance to noncurrent loans | 54.5263% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 1.9771% | 1,202 |
| Noncurrent loans to loans | 3.3709% | 589 |
| Net loans and leases to total assets | 57.5734% | 4,013 |
| Net loans and leases to deposits | 72.7387% | 3,464 |
| Net loans and leases to core deposits | 76.8786% | 3,505 |
| Total domestic deposits to total assets | 79.1509% | 5,245 |
| Equity capital to assets | 20.7700% | 193 |
| Core capital (leverage) ratio | 20.5166% | 187 |
| Tier 1 risk-based capital ratio | 36.1337% | 332 |
| Total risk-based capital ratio | 37.3910% | 327 |
| Memoranda: | ||
| Average total assets | $24,214,000 | 6,264 |
| Average earning assets | $22,430,500 | 6,241 |
| Average equity | $4,936,000 | 5,848 |
| Average total loans | $13,990,500 | 6,115 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 3,102 |
| Cost of funding earning assets | 0.4730% | 2,952 |
| Net interest margin | 3.6826% | 3,072 |
| Noninterest income to average assets | 0.5580% | 3,130 |
| Noninterest expense to average assets | 2.3612% | 4,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5647% | 769 |
| Return on assets (ROA) | 1.5647% | 798 |
| Pretax return on assets | 1.5647% | 1,336 |
| Return on Equity (ROE) | 8.0945% | 3,081 |
| Retained earnings to average equity (ytd only) | 4.4342% | 3,025 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1442% | 5,203 |
| Assets per employee ($millions) | 3.4861% | 4,928 |
| Cash dividends to net income (ytd only)* | 45.2196% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8647% | 1,392 |
| Loan loss allowance to noncurrent loans | 94.1818% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.1269% | 2,503 |
| Noncurrent loans to loans | 1.9798% | 1,407 |
| Net loans and leases to total assets | 55.8579% | 4,357 |
| Net loans and leases to deposits | 69.8811% | 3,928 |
| Net loans and leases to core deposits | 75.1640% | 3,807 |
| Total domestic deposits to total assets | 79.9328% | 5,041 |
| Equity capital to assets | 20.0057% | 224 |
| Core capital (leverage) ratio | 19.6919% | 221 |
| Tier 1 risk-based capital ratio | 40.2092% | 235 |
| Total risk-based capital ratio | 41.4690% | 230 |
| Memoranda: | ||
| Average total assets | $24,733,200 | 6,343 |
| Average earning assets | $22,619,800 | 6,322 |
| Average equity | $4,781,000 | 5,911 |
| Average total loans | $13,802,600 | 6,200 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 3,132 |
| Cost of funding earning assets | 0.4830% | 2,925 |
| Net interest margin | 3.6758% | 3,126 |
| Noninterest income to average assets | 0.5642% | 3,107 |
| Noninterest expense to average assets | 2.2458% | 5,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6710% | 651 |
| Return on assets (ROA) | 1.6710% | 677 |
| Pretax return on assets | 1.6710% | 1,137 |
| Return on Equity (ROE) | 8.7191% | 2,824 |
| Retained earnings to average equity (ytd only) | 4.8501% | 3,183 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3388% | 5,531 |
| Assets per employee ($millions) | 3.5033% | 4,857 |
| Cash dividends to net income (ytd only)* | 44.3737% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 1,651 |
| Loan loss allowance to noncurrent loans | 102.3715% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.0317% | 2,899 |
| Noncurrent loans to loans | 1.7767% | 1,826 |
| Net loans and leases to total assets | 57.0118% | 4,201 |
| Net loans and leases to deposits | 72.6474% | 3,608 |
| Net loans and leases to core deposits | 75.6793% | 3,785 |
| Total domestic deposits to total assets | 78.4773% | 5,437 |
| Equity capital to assets | 19.7284% | 242 |
| Core capital (leverage) ratio | 19.5299% | 228 |
| Tier 1 risk-based capital ratio | 37.7347% | 283 |
| Total risk-based capital ratio | 38.9967% | 279 |
| Memoranda: | ||
| Average total assets | $24,815,750 | 6,417 |
| Average earning assets | $22,634,000 | 6,398 |
| Average equity | $4,755,750 | 5,982 |
| Average total loans | $13,780,750 | 6,271 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2100% | 2,914 |
| Cost of funding earning assets | 0.5016% | 2,819 |
| Net interest margin | 3.7084% | 2,926 |
| Noninterest income to average assets | 0.5138% | 3,382 |
| Noninterest expense to average assets | 2.2077% | 5,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6296% | 662 |
| Return on assets (ROA) | 1.6296% | 690 |
| Pretax return on assets | 1.6296% | 1,183 |
| Return on Equity (ROE) | 8.5865% | 2,794 |
| Retained earnings to average equity (ytd only) | 4.8643% | 3,042 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5314% | 5,607 |
| Assets per employee ($millions) | 3.5564% | 4,746 |
| Cash dividends to net income (ytd only)* | 43.3498% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9860% | 1,384 |
| Loan loss allowance to noncurrent loans | 47.3492% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 2.1972% | 1,386 |
| Noncurrent loans to loans | 4.1945% | 556 |
| Net loans and leases to total assets | 51.3436% | 4,814 |
| Net loans and leases to deposits | 63.6871% | 4,530 |
| Net loans and leases to core deposits | 68.0111% | 4,467 |
| Total domestic deposits to total assets | 80.6186% | 5,093 |
| Equity capital to assets | 19.2288% | 248 |
| Core capital (leverage) ratio | 19.2294% | 231 |
| Tier 1 risk-based capital ratio | 40.0703% | 239 |
| Total risk-based capital ratio | 41.3262% | 236 |
| Memoranda: | ||
| Average total assets | $24,913,330 | 6,483 |
| Average earning assets | $22,327,670 | 6,468 |
| Average equity | $4,728,330 | 6,028 |
| Average total loans | $13,627,670 | 6,333 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2490% | 2,693 |
| Cost of funding earning assets | 0.5020% | 2,886 |
| Net interest margin | 3.7470% | 2,691 |
| Noninterest income to average assets | 0.4494% | 3,800 |
| Noninterest expense to average assets | 2.0383% | 5,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7655% | 508 |
| Return on assets (ROA) | 1.7655% | 524 |
| Pretax return on assets | 1.7655% | 847 |
| Return on Equity (ROE) | 9.3637% | 2,304 |
| Retained earnings to average equity (ytd only) | 5.8736% | 2,610 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5865% | 6,046 |
| Assets per employee ($millions) | 3.6254% | 4,671 |
| Cash dividends to net income (ytd only)* | 37.2727% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9581% | 1,604 |
| Loan loss allowance to noncurrent loans | 169.2810% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 4,338 |
| Noncurrent loans to loans | 1.1567% | 3,116 |
| Net loans and leases to total assets | 51.0994% | 4,786 |
| Net loans and leases to deposits | 62.9087% | 4,441 |
| Net loans and leases to core deposits | 67.0597% | 4,392 |
| Total domestic deposits to total assets | 81.2278% | 5,172 |
| Equity capital to assets | 18.6540% | 276 |
| Core capital (leverage) ratio | 19.2597% | 235 |
| Tier 1 risk-based capital ratio | 38.8429% | 256 |
| Total risk-based capital ratio | 40.1049% | 253 |
| Memoranda: | ||
| Average total assets | $24,922,500 | 6,551 |
| Average earning assets | $22,311,000 | 6,538 |
| Average equity | $4,699,000 | 6,072 |
| Average total loans | $13,921,000 | 6,382 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7426% | 1,466 |
| Cost of funding earning assets | 0.6052% | 2,612 |
| Net interest margin | 4.1374% | 1,552 |
| Noninterest income to average assets | 0.6575% | 2,769 |
| Noninterest expense to average assets | 2.2524% | 5,498 |
| Loan and lease loss provision to assets | 0.4030% | 740 |
| Net operating income to assets | 1.7137% | 567 |
| Return on assets (ROA) | 1.7137% | 584 |
| Pretax return on assets | 1.7137% | 921 |
| Return on Equity (ROE) | 8.8260% | 2,627 |
| Retained earnings to average equity (ytd only) | 4.3474% | 3,085 |
| Net charge-offs to loans | 0.9975% | 587 |
| Credit loss provision to net charge-offs | 68.3453% | 3,348 |
| Earnings coverage of net charge-offs (x) | 3.5899% | 3,817 |
| Efficiency ratio | 51.5534% | 6,333 |
| Assets per employee ($millions) | 3.4953% | 4,907 |
| Cash dividends to net income (ytd only)* | 50.7426% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7722% | 2,156 |
| Loan loss allowance to noncurrent loans | 109.2827% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.9687% | 3,479 |
| Noncurrent loans to loans | 1.6216% | 2,471 |
| Net loans and leases to total assets | 58.6749% | 3,923 |
| Net loans and leases to deposits | 72.5710% | 3,449 |
| Net loans and leases to core deposits | 77.5455% | 3,421 |
| Total domestic deposits to total assets | 80.8518% | 5,221 |
| Equity capital to assets | 19.0624% | 257 |
| Core capital (leverage) ratio | 19.1466% | 230 |
| Tier 1 risk-based capital ratio | 35.3382% | 314 |
| Total risk-based capital ratio | 36.5940% | 307 |
| Memoranda: | ||
| Average total assets | $23,574,400 | 6,649 |
| Average earning assets | $21,148,600 | 6,632 |
| Average equity | $4,577,400 | 6,178 |
| Average total loans | $13,935,000 | 6,457 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8102% | 1,327 |
| Cost of funding earning assets | 0.6341% | 2,508 |
| Net interest margin | 4.1761% | 1,405 |
| Noninterest income to average assets | 0.6452% | 2,903 |
| Noninterest expense to average assets | 2.1868% | 5,635 |
| Loan and lease loss provision to assets | 0.5424% | 487 |
| Net operating income to assets | 1.6387% | 701 |
| Return on assets (ROA) | 1.6387% | 742 |
| Pretax return on assets | 1.6387% | 1,248 |
| Return on Equity (ROE) | 8.3995% | 2,926 |
| Retained earnings to average equity (ytd only) | 3.5704% | 4,159 |
| Net charge-offs to loans | 1.3464% | 389 |
| Credit loss provision to net charge-offs | 68.3453% | 3,098 |
| Earnings coverage of net charge-offs (x) | 2.7482% | 3,920 |
| Efficiency ratio | 50.0654% | 6,395 |
| Assets per employee ($millions) | 3.3594% | 5,164 |
| Cash dividends to net income (ytd only)* | 57.4897% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7878% | 2,343 |
| Loan loss allowance to noncurrent loans | 124.5192% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.8845% | 3,912 |
| Noncurrent loans to loans | 1.4358% | 3,009 |
| Net loans and leases to total assets | 60.5035% | 3,621 |
| Net loans and leases to deposits | 75.3442% | 3,040 |
| Net loans and leases to core deposits | 80.7721% | 3,034 |
| Total domestic deposits to total assets | 80.3028% | 5,428 |
| Equity capital to assets | 19.5399% | 230 |
| Core capital (leverage) ratio | 19.4094% | 221 |
| Tier 1 risk-based capital ratio | 34.6717% | 347 |
| Total risk-based capital ratio | 35.9170% | 341 |
| Memoranda: | ||
| Average total assets | $23,351,250 | 6,730 |
| Average earning assets | $20,816,500 | 6,713 |
| Average equity | $4,555,750 | 6,267 |
| Average total loans | $13,765,000 | 6,535 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8277% | 1,271 |
| Cost of funding earning assets | 0.6716% | 2,297 |
| Net interest margin | 4.1561% | 1,392 |
| Noninterest income to average assets | 0.6782% | 2,750 |
| Noninterest expense to average assets | 2.1806% | 5,678 |
| Loan and lease loss provision to assets | 0.8156% | 261 |
| Net operating income to assets | 1.3479% | 1,203 |
| Return on assets (ROA) | 1.3479% | 1,291 |
| Pretax return on assets | 1.3479% | 2,132 |
| Return on Equity (ROE) | 6.9122% | 3,657 |
| Retained earnings to average equity (ytd only) | 2.9498% | 4,435 |
| Net charge-offs to loans | 2.0556% | 220 |
| Credit loss provision to net charge-offs | 68.3453% | 2,861 |
| Earnings coverage of net charge-offs (x) | 1.8129% | 3,925 |
| Efficiency ratio | 50.1976% | 6,414 |
| Assets per employee ($millions) | 3.3646% | 5,142 |
| Cash dividends to net income (ytd only)* | 57.3248% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9076% | 2,093 |
| Loan loss allowance to noncurrent loans | 122.7488% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.8959% | 3,999 |
| Noncurrent loans to loans | 1.5541% | 2,977 |
| Net loans and leases to total assets | 56.5472% | 4,203 |
| Net loans and leases to deposits | 70.2500% | 3,685 |
| Net loans and leases to core deposits | 77.9058% | 3,305 |
| Total domestic deposits to total assets | 80.4942% | 5,477 |
| Equity capital to assets | 19.2722% | 242 |
| Core capital (leverage) ratio | 19.4356% | 219 |
| Tier 1 risk-based capital ratio | 36.7114% | 290 |
| Total risk-based capital ratio | 37.9731% | 286 |
| Memoranda: | ||
| Average total assets | $23,296,330 | 6,779 |
| Average earning assets | $20,548,000 | 6,770 |
| Average equity | $4,542,670 | 6,325 |
| Average total loans | $13,524,330 | 6,580 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9144% | 1,043 |
| Cost of funding earning assets | 0.6908% | 2,302 |
| Net interest margin | 4.2236% | 1,130 |
| Noninterest income to average assets | 0.6561% | 2,844 |
| Noninterest expense to average assets | 2.1581% | 5,783 |
| Loan and lease loss provision to assets | 0.4316% | 685 |
| Net operating income to assets | 1.7610% | 503 |
| Return on assets (ROA) | 1.7610% | 557 |
| Pretax return on assets | 1.7610% | 949 |
| Return on Equity (ROE) | 8.9779% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.9779% | 1,390 |
| Net charge-offs to loans | 4.1191% | 63 |
| Credit loss provision to net charge-offs | 17.9856% | 3,066 |
| Earnings coverage of net charge-offs (x) | 0.9137% | 3,531 |
| Efficiency ratio | 49.6032% | 6,526 |
| Assets per employee ($millions) | 3.3641% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 4,072 |
| Loan loss allowance to noncurrent loans | 46.3235% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 1.7326% | 2,691 |
| Noncurrent loans to loans | 3.0989% | 1,605 |
| Net loans and leases to total assets | 55.1064% | 4,221 |
| Net loans and leases to deposits | 68.5779% | 3,697 |
| Net loans and leases to core deposits | 76.0668% | 3,313 |
| Total domestic deposits to total assets | 80.3559% | 5,674 |
| Equity capital to assets | 19.5040% | 237 |
| Core capital (leverage) ratio | 20.1108% | 191 |
| Tier 1 risk-based capital ratio | 37.8048% | 274 |
| Total risk-based capital ratio | 39.0611% | 267 |
| Memoranda: | ||
| Average total assets | $23,168,500 | 6,855 |
| Average earning assets | $20,267,000 | 6,845 |
| Average equity | $4,544,500 | 6,384 |
| Average total loans | $13,498,000 | 6,640 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4874% | 636 |
| Cost of funding earning assets | 0.7631% | 2,983 |
| Net interest margin | 4.7243% | 623 |
| Noninterest income to average assets | 0.7618% | 2,436 |
| Noninterest expense to average assets | 3.0697% | 3,016 |
| Loan and lease loss provision to assets | 0.4102% | 1,570 |
| Net operating income to assets | 1.5236% | 876 |
| Return on assets (ROA) | 1.5236% | 967 |
| Pretax return on assets | 1.5236% | 1,610 |
| Return on Equity (ROE) | 7.7060% | 3,227 |
| Retained earnings to average equity (ytd only) | 4.7877% | 2,858 |
| Net charge-offs to loans | 0.7825% | 1,493 |
| Credit loss provision to net charge-offs | 82.7273% | 3,738 |
| Earnings coverage of net charge-offs (x) | 3.9000% | 3,552 |
| Efficiency ratio | 61.3514% | 5,338 |
| Assets per employee ($millions) | 3.2554% | 5,502 |
| Cash dividends to net income (ytd only)* | 37.8698% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1909% | 1,571 |
| Loan loss allowance to noncurrent loans | 92.6606% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.4350% | 3,242 |
| Noncurrent loans to loans | 2.3644% | 2,274 |
| Net loans and leases to total assets | 59.3602% | 3,707 |
| Net loans and leases to deposits | 74.0881% | 3,075 |
| Net loans and leases to core deposits | 77.7369% | 3,296 |
| Total domestic deposits to total assets | 80.1211% | 5,632 |
| Equity capital to assets | 19.7297% | 233 |
| Core capital (leverage) ratio | 19.6978% | 204 |
| Tier 1 risk-based capital ratio | 32.9818% | 404 |
| Total risk-based capital ratio | 34.2429% | 392 |
| Memoranda: | ||
| Average total assets | $22,184,800 | 6,927 |
| Average earning assets | $19,918,400 | 6,908 |
| Average equity | $4,386,200 | 6,469 |
| Average total loans | $14,057,000 | 6,697 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5115% | 663 |
| Cost of funding earning assets | 0.7729% | 3,164 |
| Net interest margin | 4.7385% | 622 |
| Noninterest income to average assets | 0.7080% | 2,669 |
| Noninterest expense to average assets | 2.9590% | 3,374 |
| Loan and lease loss provision to assets | 0.5506% | 1,052 |
| Net operating income to assets | 1.4644% | 1,088 |
| Return on assets (ROA) | 1.4644% | 1,214 |
| Pretax return on assets | 1.4644% | 2,023 |
| Return on Equity (ROE) | 7.4026% | 3,582 |
| Retained earnings to average equity (ytd only) | 4.5577% | 3,695 |
| Net charge-offs to loans | 1.0391% | 1,012 |
| Credit loss provision to net charge-offs | 82.7273% | 3,539 |
| Earnings coverage of net charge-offs (x) | 3.0273% | 3,823 |
| Efficiency ratio | 59.4891% | 5,583 |
| Assets per employee ($millions) | 3.2439% | 5,547 |
| Cash dividends to net income (ytd only)* | 38.4305% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1233% | 1,859 |
| Loan loss allowance to noncurrent loans | 98.0583% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.3608% | 3,579 |
| Noncurrent loans to loans | 2.1654% | 2,660 |
| Net loans and leases to total assets | 61.5097% | 3,476 |
| Net loans and leases to deposits | 76.6701% | 2,884 |
| Net loans and leases to core deposits | 80.4551% | 3,145 |
| Total domestic deposits to total assets | 80.2264% | 5,593 |
| Equity capital to assets | 19.5446% | 261 |
| Core capital (leverage) ratio | 19.8981% | 210 |
| Tier 1 risk-based capital ratio | 32.0823% | 443 |
| Total risk-based capital ratio | 33.3406% | 434 |
| Memoranda: | ||
| Average total assets | $22,034,000 | 7,019 |
| Average earning assets | $19,837,000 | 6,996 |
| Average equity | $4,358,750 | 6,554 |
| Average total loans | $14,113,750 | 6,784 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5772% | 604 |
| Cost of funding earning assets | 0.7924% | 3,253 |
| Net interest margin | 4.7848% | 573 |
| Noninterest income to average assets | 0.6236% | 3,107 |
| Noninterest expense to average assets | 2.9253% | 3,522 |
| Loan and lease loss provision to assets | 0.8345% | 585 |
| Net operating income to assets | 1.1830% | 1,773 |
| Return on assets (ROA) | 1.1830% | 1,975 |
| Pretax return on assets | 1.1830% | 3,005 |
| Return on Equity (ROE) | 5.9552% | 4,348 |
| Retained earnings to average equity (ytd only) | 1.8004% | 5,293 |
| Net charge-offs to loans | 0.7538% | 1,460 |
| Credit loss provision to net charge-offs | 171.6981% | 1,636 |
| Earnings coverage of net charge-offs (x) | 4.1509% | 3,165 |
| Efficiency ratio | 59.1837% | 5,711 |
| Assets per employee ($millions) | 3.0371% | 5,989 |
| Cash dividends to net income (ytd only)* | 69.7674% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5619% | 1,190 |
| Loan loss allowance to noncurrent loans | 105.8824% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.5992% | 3,317 |
| Noncurrent loans to loans | 2.4196% | 2,483 |
| Net loans and leases to total assets | 64.4026% | 2,953 |
| Net loans and leases to deposits | 81.1282% | 2,214 |
| Net loans and leases to core deposits | 85.4682% | 2,496 |
| Total domestic deposits to total assets | 79.3838% | 5,885 |
| Equity capital to assets | 20.3575% | 221 |
| Core capital (leverage) ratio | 19.7956% | 218 |
| Tier 1 risk-based capital ratio | 31.4424% | 462 |
| Total risk-based capital ratio | 32.6851% | 456 |
| Memoranda: | ||
| Average total assets | $21,809,670 | 7,081 |
| Average earning assets | $19,687,330 | 7,060 |
| Average equity | $4,332,330 | 6,594 |
| Average total loans | $14,061,670 | 6,842 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6262% | 595 |
| Cost of funding earning assets | 0.7921% | 3,533 |
| Net interest margin | 4.8341% | 528 |
| Noninterest income to average assets | 0.6520% | 2,918 |
| Noninterest expense to average assets | 2.9161% | 3,555 |
| Loan and lease loss provision to assets | 0.5796% | 995 |
| Net operating income to assets | 1.4671% | 1,091 |
| Return on assets (ROA) | 1.4671% | 1,220 |
| Pretax return on assets | 1.4671% | 1,974 |
| Return on Equity (ROE) | 7.4749% | 3,513 |
| Retained earnings to average equity (ytd only) | 7.4749% | 2,186 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7591% | 5,807 |
| Assets per employee ($millions) | 3.2329% | 5,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5817% | 1,246 |
| Loan loss allowance to noncurrent loans | 64.4809% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 2.4260% | 2,435 |
| Noncurrent loans to loans | 4.0038% | 1,530 |
| Net loans and leases to total assets | 59.0278% | 3,851 |
| Net loans and leases to deposits | 73.3795% | 3,219 |
| Net loans and leases to core deposits | 77.0047% | 3,470 |
| Total domestic deposits to total assets | 80.4419% | 5,743 |
| Equity capital to assets | 19.3239% | 258 |
| Core capital (leverage) ratio | 19.5842% | 219 |
| Tier 1 risk-based capital ratio | 31.6614% | 449 |
| Total risk-based capital ratio | 32.9299% | 443 |
| Memoranda: | ||
| Average total assets | $22,084,500 | 7,134 |
| Average earning assets | $19,693,500 | 7,119 |
| Average equity | $4,334,500 | 6,624 |
| Average total loans | $14,066,500 | 6,902 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4534% | 1,284 |
| Cost of funding earning assets | 1.0007% | 3,376 |
| Net interest margin | 4.4527% | 1,255 |
| Noninterest income to average assets | 0.6443% | 2,922 |
| Noninterest expense to average assets | 2.6086% | 5,061 |
| Loan and lease loss provision to assets | 0.5951% | 1,743 |
| Net operating income to assets | 1.6019% | 659 |
| Return on assets (ROA) | 1.6019% | 716 |
| Pretax return on assets | 1.6019% | 1,190 |
| Return on Equity (ROE) | 8.4931% | 2,675 |
| Retained earnings to average equity (ytd only) | 5.4327% | 2,348 |
| Net charge-offs to loans | 0.3844% | 3,488 |
| Credit loss provision to net charge-offs | 241.8182% | 997 |
| Earnings coverage of net charge-offs (x) | 8.9273% | 2,066 |
| Efficiency ratio | 54.2831% | 6,481 |
| Assets per employee ($millions) | 3.0770% | 5,944 |
| Cash dividends to net income (ytd only)* | 36.0335% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2329% | 1,738 |
| Loan loss allowance to noncurrent loans | 89.6936% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.8432% | 3,195 |
| Noncurrent loans to loans | 2.4894% | 2,637 |
| Net loans and leases to total assets | 65.4580% | 2,889 |
| Net loans and leases to deposits | 81.9471% | 2,210 |
| Net loans and leases to core deposits | 86.2430% | 2,603 |
| Total domestic deposits to total assets | 79.8784% | 5,776 |
| Equity capital to assets | 19.9452% | 236 |
| Core capital (leverage) ratio | 19.2494% | 233 |
| Tier 1 risk-based capital ratio | 29.9824% | 520 |
| Total risk-based capital ratio | 31.2416% | 511 |
| Memoranda: | ||
| Average total assets | $22,349,000 | 7,154 |
| Average earning assets | $20,886,000 | 7,128 |
| Average equity | $4,215,200 | 6,693 |
| Average total loans | $14,309,200 | 6,937 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4602% | 1,365 |
| Cost of funding earning assets | 1.0352% | 3,425 |
| Net interest margin | 4.4250% | 1,330 |
| Noninterest income to average assets | 0.6444% | 2,920 |
| Noninterest expense to average assets | 2.3767% | 5,829 |
| Loan and lease loss provision to assets | 0.5144% | 1,925 |
| Net operating income to assets | 1.8978% | 426 |
| Return on assets (ROA) | 1.8978% | 457 |
| Pretax return on assets | 1.8978% | 782 |
| Return on Equity (ROE) | 10.2024% | 2,129 |
| Retained earnings to average equity (ytd only) | 6.8017% | 2,079 |
| Net charge-offs to loans | 0.0560% | 5,414 |
| Credit loss provision to net charge-offs | 1,450.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 67.9988% | 486 |
| Efficiency ratio | 49.6296% | 6,850 |
| Assets per employee ($millions) | 3.1509% | 5,785 |
| Cash dividends to net income (ytd only)* | 33.3326% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2104% | 1,836 |
| Loan loss allowance to noncurrent loans | 58.6643% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 2.5118% | 2,570 |
| Noncurrent loans to loans | 3.7679% | 1,802 |
| Net loans and leases to total assets | 65.1886% | 3,065 |
| Net loans and leases to deposits | 81.0942% | 2,514 |
| Net loans and leases to core deposits | 91.3585% | 2,076 |
| Total domestic deposits to total assets | 80.3863% | 5,623 |
| Equity capital to assets | 19.4550% | 283 |
| Core capital (leverage) ratio | 19.4540% | 245 |
| Tier 1 risk-based capital ratio | 29.3991% | 580 |
| Total risk-based capital ratio | 30.6590% | 564 |
| Memoranda: | ||
| Average total assets | $22,551,500 | 7,224 |
| Average earning assets | $21,122,000 | 7,198 |
| Average equity | $4,195,000 | 6,748 |
| Average total loans | $14,281,250 | 7,009 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3046% | 1,875 |
| Cost of funding earning assets | 1.0927% | 3,299 |
| Net interest margin | 4.2119% | 1,986 |
| Noninterest income to average assets | 0.6075% | 3,081 |
| Noninterest expense to average assets | 2.2186% | 6,336 |
| Loan and lease loss provision to assets | 0.5106% | 1,919 |
| Net operating income to assets | 1.8489% | 447 |
| Return on assets (ROA) | 1.8489% | 475 |
| Pretax return on assets | 1.8489% | 794 |
| Return on Equity (ROE) | 10.0889% | 2,092 |
| Retained earnings to average equity (ytd only) | 7.3505% | 1,716 |
| Net charge-offs to loans | 0.0849% | 4,790 |
| Credit loss provision to net charge-offs | 966.6667% | 340 |
| Earnings coverage of net charge-offs (x) | 44.6667% | 685 |
| Efficiency ratio | 48.4615% | 7,035 |
| Assets per employee ($millions) | 3.0959% | 5,887 |
| Cash dividends to net income (ytd only)* | 27.1429% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0306% | 2,285 |
| Loan loss allowance to noncurrent loans | 48.0519% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 2.8425% | 2,361 |
| Noncurrent loans to loans | 4.2258% | 1,607 |
| Net loans and leases to total assets | 65.8991% | 3,053 |
| Net loans and leases to deposits | 82.1361% | 2,431 |
| Net loans and leases to core deposits | 92.7639% | 2,044 |
| Total domestic deposits to total assets | 80.2316% | 5,755 |
| Equity capital to assets | 19.5561% | 285 |
| Core capital (leverage) ratio | 18.4974% | 299 |
| Tier 1 risk-based capital ratio | 29.2848% | 576 |
| Total risk-based capital ratio | 30.5420% | 562 |
| Memoranda: | ||
| Average total assets | $22,716,670 | 7,293 |
| Average earning assets | $21,415,330 | 7,261 |
| Average equity | $4,163,000 | 6,800 |
| Average total loans | $14,140,670 | 7,083 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1545% | 2,412 |
| Cost of funding earning assets | 1.1229% | 3,351 |
| Net interest margin | 4.0316% | 2,559 |
| Noninterest income to average assets | 0.5336% | 3,621 |
| Noninterest expense to average assets | 2.1343% | 6,560 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.1687% | 275 |
| Return on assets (ROA) | 2.1687% | 284 |
| Pretax return on assets | 2.1687% | 419 |
| Return on Equity (ROE) | 12.2167% | 1,400 |
| Retained earnings to average equity (ytd only) | 12.2167% | 706 |
| Net charge-offs to loans | 0.1724% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,094 |
| Efficiency ratio | 49.6000% | 7,014 |
| Assets per employee ($millions) | 3.3070% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 3,311 |
| Loan loss allowance to noncurrent loans | 43.9926% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 2.3370% | 2,910 |
| Noncurrent loans to loans | 3.8826% | 1,890 |
| Net loans and leases to total assets | 59.1645% | 4,434 |
| Net loans and leases to deposits | 72.4005% | 4,004 |
| Net loans and leases to core deposits | 85.1159% | 3,016 |
| Total domestic deposits to total assets | 81.7184% | 5,419 |
| Equity capital to assets | 18.0785% | 365 |
| Core capital (leverage) ratio | 17.7145% | 346 |
| Tier 1 risk-based capital ratio | 29.9575% | 524 |
| Total risk-based capital ratio | 31.2108% | 513 |
| Memoranda: | ||
| Average total assets | $23,239,500 | 7,334 |
| Average earning assets | $21,728,500 | 7,304 |
| Average equity | $4,125,500 | 6,838 |
| Average total loans | $13,922,500 | 7,145 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9221% | 995 |
| Cost of funding earning assets | 1.4647% | 2,861 |
| Net interest margin | 4.4574% | 1,332 |
| Noninterest income to average assets | 0.5946% | 3,509 |
| Noninterest expense to average assets | 2.4282% | 6,018 |
| Loan and lease loss provision to assets | 1.8155% | 761 |
| Net operating income to assets | 0.1770% | 5,351 |
| Return on assets (ROA) | 0.1770% | 5,518 |
| Pretax return on assets | 0.1770% | 5,535 |
| Return on Equity (ROE) | 0.9711% | 5,708 |
| Retained earnings to average equity (ytd only) | 0.2739% | 5,445 |
| Net charge-offs to loans | 2.8525% | 608 |
| Credit loss provision to net charge-offs | 101.7812% | 4,453 |
| Earnings coverage of net charge-offs (x) | 1.1170% | 4,992 |
| Efficiency ratio | 54.9281% | 6,721 |
| Assets per employee ($millions) | 3.3329% | 5,353 |
| Cash dividends to net income (ytd only)* | 71.7949% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 3,012 |
| Loan loss allowance to noncurrent loans | 51.3684% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 2.0360% | 3,305 |
| Noncurrent loans to loans | 3.4146% | 2,223 |
| Net loans and leases to total assets | 58.5812% | 4,942 |
| Net loans and leases to deposits | 71.1045% | 4,666 |
| Net loans and leases to core deposits | 83.3608% | 3,690 |
| Total domestic deposits to total assets | 82.3875% | 5,066 |
| Equity capital to assets | 17.4282% | 412 |
| Core capital (leverage) ratio | 17.3752% | 370 |
| Tier 1 risk-based capital ratio | 28.5350% | 571 |
| Total risk-based capital ratio | 29.7942% | 560 |
| Memoranda: | ||
| Average total assets | $22,032,400 | 7,418 |
| Average earning assets | $18,912,200 | 7,430 |
| Average equity | $4,016,200 | 6,995 |
| Average total loans | $13,777,600 | 7,215 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1208% | 731 |
| Cost of funding earning assets | 1.5229% | 2,822 |
| Net interest margin | 4.5979% | 1,049 |
| Noninterest income to average assets | 0.6081% | 3,385 |
| Noninterest expense to average assets | 2.4998% | 5,717 |
| Loan and lease loss provision to assets | 2.4568% | 437 |
| Net operating income to assets | -0.4913% | 6,584 |
| Return on assets (ROA) | -0.4913% | 6,631 |
| Pretax return on assets | -0.4913% | 6,547 |
| Return on Equity (ROE) | -2.6640% | 6,468 |
| Retained earnings to average equity (ytd only) | -3.5966% | 6,417 |
| Net charge-offs to loans | 3.8124% | 334 |
| Credit loss provision to net charge-offs | 101.7812% | 4,234 |
| Earnings coverage of net charge-offs (x) | 0.8143% | 5,240 |
| Efficiency ratio | 55.9835% | 6,559 |
| Assets per employee ($millions) | 2.8173% | 6,553 |
| Cash dividends to net income (ytd only)* | -34.9991% | 7,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7621% | 2,927 |
| Loan loss allowance to noncurrent loans | 46.6539% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 2.3205% | 3,059 |
| Noncurrent loans to loans | 3.7770% | 2,044 |
| Net loans and leases to total assets | 60.3558% | 4,840 |
| Net loans and leases to deposits | 73.4067% | 4,615 |
| Net loans and leases to core deposits | 89.7592% | 3,136 |
| Total domestic deposits to total assets | 82.2211% | 4,905 |
| Equity capital to assets | 17.6014% | 450 |
| Core capital (leverage) ratio | 17.7659% | 367 |
| Tier 1 risk-based capital ratio | 27.5246% | 657 |
| Total risk-based capital ratio | 28.7834% | 650 |
| Memoranda: | ||
| Average total assets | $21,708,000 | 7,519 |
| Average earning assets | $18,210,750 | 7,541 |
| Average equity | $4,003,750 | 7,092 |
| Average total loans | $13,744,250 | 7,312 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1218% | 727 |
| Cost of funding earning assets | 1.5470% | 2,974 |
| Net interest margin | 4.5748% | 1,052 |
| Noninterest income to average assets | 0.6159% | 3,219 |
| Noninterest expense to average assets | 2.8276% | 4,370 |
| Loan and lease loss provision to assets | 3.7329% | 220 |
| Net operating income to assets | -2.0811% | 7,331 |
| Return on assets (ROA) | -2.0811% | 7,336 |
| Pretax return on assets | -2.0811% | 7,263 |
| Return on Equity (ROE) | -11.1056% | 7,002 |
| Retained earnings to average equity (ytd only) | -12.5000% | 7,015 |
| Net charge-offs to loans | 5.7330% | 151 |
| Credit loss provision to net charge-offs | 101.7812% | 4,009 |
| Earnings coverage of net charge-offs (x) | 0.4504% | 5,266 |
| Efficiency ratio | 63.1250% | 5,496 |
| Assets per employee ($millions) | 2.6729% | 6,820 |
| Cash dividends to net income (ytd only)* | -12.5561% | 7,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7834% | 2,774 |
| Loan loss allowance to noncurrent loans | 63.7076% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.7911% | 3,768 |
| Noncurrent loans to loans | 2.7993% | 2,855 |
| Net loans and leases to total assets | 62.8443% | 4,507 |
| Net loans and leases to deposits | 76.9204% | 4,168 |
| Net loans and leases to core deposits | 91.4523% | 3,067 |
| Total domestic deposits to total assets | 81.7004% | 5,113 |
| Equity capital to assets | 17.9021% | 426 |
| Core capital (leverage) ratio | 17.4476% | 402 |
| Tier 1 risk-based capital ratio | 27.4987% | 666 |
| Total risk-based capital ratio | 28.7526% | 652 |
| Memoranda: | ||
| Average total assets | $21,431,330 | 7,590 |
| Average earning assets | $18,099,330 | 7,610 |
| Average equity | $4,016,000 | 7,118 |
| Average total loans | $13,710,000 | 7,368 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2319% | 600 |
| Cost of funding earning assets | 1.5859% | 3,040 |
| Net interest margin | 4.6460% | 876 |
| Noninterest income to average assets | 0.5779% | 3,431 |
| Noninterest expense to average assets | 2.8897% | 4,105 |
| Loan and lease loss provision to assets | 0.3729% | 3,132 |
| Net operating income to assets | 1.1932% | 1,560 |
| Return on assets (ROA) | 1.1932% | 1,632 |
| Pretax return on assets | 1.1932% | 2,382 |
| Return on Equity (ROE) | 6.2287% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.2287% | 2,509 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8536% | 5,332 |
| Assets per employee ($millions) | 2.6888% | 6,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8865% | 2,486 |
| Loan loss allowance to noncurrent loans | 48.6742% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 2.4547% | 2,962 |
| Noncurrent loans to loans | 3.8758% | 2,042 |
| Net loans and leases to total assets | 62.1385% | 4,730 |
| Net loans and leases to deposits | 77.2512% | 4,178 |
| Net loans and leases to core deposits | 92.0143% | 3,104 |
| Total domestic deposits to total assets | 80.4370% | 5,642 |
| Equity capital to assets | 19.2422% | 323 |
| Core capital (leverage) ratio | 18.7586% | 325 |
| Tier 1 risk-based capital ratio | 29.3197% | 563 |
| Total risk-based capital ratio | 30.5755% | 546 |
| Memoranda: | ||
| Average total assets | $21,455,500 | 7,686 |
| Average earning assets | $17,908,000 | 7,708 |
| Average equity | $4,110,000 | 7,138 |
| Average total loans | $13,724,000 | 7,458 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5968% | 556 |
| Cost of funding earning assets | 1.5417% | 5,330 |
| Net interest margin | 5.0551% | 406 |
| Noninterest income to average assets | 0.7663% | 2,579 |
| Noninterest expense to average assets | 3.0853% | 3,813 |
| Loan and lease loss provision to assets | 0.8066% | 2,716 |
| Net operating income to assets | 1.3208% | 997 |
| Return on assets (ROA) | 1.3208% | 1,041 |
| Pretax return on assets | 1.3208% | 1,636 |
| Return on Equity (ROE) | 6.4216% | 3,026 |
| Retained earnings to average equity (ytd only) | 2.7206% | 3,251 |
| Net charge-offs to loans | 1.1164% | 2,194 |
| Credit loss provision to net charge-offs | 108.1081% | 5,125 |
| Earnings coverage of net charge-offs (x) | 2.8514% | 3,661 |
| Efficiency ratio | 59.1876% | 6,595 |
| Assets per employee ($millions) | 2.6751% | 6,900 |
| Cash dividends to net income (ytd only)* | 57.6336% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7143% | 2,853 |
| Loan loss allowance to noncurrent loans | 51.6340% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.1448% | 3,214 |
| Noncurrent loans to loans | 3.3201% | 2,301 |
| Net loans and leases to total assets | 63.4924% | 4,707 |
| Net loans and leases to deposits | 78.6661% | 4,241 |
| Net loans and leases to core deposits | 88.8163% | 5,243 |
| Total domestic deposits to total assets | 80.7112% | 5,437 |
| Equity capital to assets | 19.0692% | 357 |
| Core capital (leverage) ratio | 18.9458% | 338 |
| Tier 1 risk-based capital ratio | 28.4703% | 612 |
| Total risk-based capital ratio | 29.7232% | 595 |
| Memoranda: | ||
| Average total assets | $19,836,200 | 7,779 |
| Average earning assets | $17,447,800 | 7,780 |
| Average equity | $4,080,000 | 7,259 |
| Average total loans | $13,257,200 | 7,536 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6054% | 606 |
| Cost of funding earning assets | 1.5207% | 5,745 |
| Net interest margin | 5.0846% | 379 |
| Noninterest income to average assets | 0.8091% | 2,385 |
| Noninterest expense to average assets | 3.0924% | 3,673 |
| Loan and lease loss provision to assets | 0.4114% | 3,857 |
| Net operating income to assets | 1.8445% | 404 |
| Return on assets (ROA) | 1.8445% | 426 |
| Pretax return on assets | 1.8445% | 735 |
| Return on Equity (ROE) | 8.7912% | 2,345 |
| Retained earnings to average equity (ytd only) | 3.8564% | 3,136 |
| Net charge-offs to loans | -0.0204% | 7,765 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8205% | 6,744 |
| Assets per employee ($millions) | 2.6616% | 6,926 |
| Cash dividends to net income (ytd only)* | 56.1339% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0627% | 1,663 |
| Loan loss allowance to noncurrent loans | 42.5816% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 3.1654% | 2,149 |
| Noncurrent loans to loans | 4.8440% | 1,402 |
| Net loans and leases to total assets | 63.9976% | 4,873 |
| Net loans and leases to deposits | 79.7134% | 4,438 |
| Net loans and leases to core deposits | 108.1079% | 3,458 |
| Total domestic deposits to total assets | 80.2846% | 5,341 |
| Equity capital to assets | 19.2458% | 395 |
| Core capital (leverage) ratio | 19.7859% | 325 |
| Tier 1 risk-based capital ratio | 28.5360% | 648 |
| Total risk-based capital ratio | 29.7967% | 630 |
| Memoranda: | ||
| Average total assets | $19,445,000 | 7,865 |
| Average earning assets | $17,359,250 | 7,862 |
| Average equity | $4,079,750 | 7,325 |
| Average total loans | $13,115,250 | 7,614 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9113% | 373 |
| Cost of funding earning assets | 1.5675% | 5,846 |
| Net interest margin | 5.3438% | 230 |
| Noninterest income to average assets | 0.8498% | 2,183 |
| Noninterest expense to average assets | 3.2078% | 3,316 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.4218% | 121 |
| Return on assets (ROA) | 2.4218% | 133 |
| Pretax return on assets | 2.4218% | 240 |
| Return on Equity (ROE) | 11.1938% | 1,649 |
| Retained earnings to average equity (ytd only) | 6.2352% | 1,915 |
| Net charge-offs to loans | 0.0156% | 6,313 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 228.0000% | 183 |
| Efficiency ratio | 56.9811% | 6,991 |
| Assets per employee ($millions) | 2.4435% | 7,359 |
| Cash dividends to net income (ytd only)* | 44.2982% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 2,454 |
| Loan loss allowance to noncurrent loans | 49.0153% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 2.3378% | 2,779 |
| Noncurrent loans to loans | 3.4038% | 2,069 |
| Net loans and leases to total assets | 67.5363% | 4,245 |
| Net loans and leases to deposits | 86.0121% | 3,548 |
| Net loans and leases to core deposits | 120.5552% | 2,315 |
| Total domestic deposits to total assets | 78.5195% | 5,949 |
| Equity capital to assets | 20.9842% | 332 |
| Core capital (leverage) ratio | 21.8011% | 282 |
| Tier 1 risk-based capital ratio | 30.3176% | 587 |
| Total risk-based capital ratio | 31.5714% | 571 |
| Memoranda: | ||
| Average total assets | $18,829,000 | 7,964 |
| Average earning assets | $16,842,000 | 7,949 |
| Average equity | $4,073,670 | 7,385 |
| Average total loans | $12,849,000 | 7,707 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8793% | 421 |
| Cost of funding earning assets | 1.6243% | 5,931 |
| Net interest margin | 5.2550% | 253 |
| Noninterest income to average assets | 0.7147% | 2,793 |
| Noninterest expense to average assets | 3.0537% | 3,545 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.4256% | 151 |
| Return on assets (ROA) | 2.4256% | 181 |
| Pretax return on assets | 2.4256% | 289 |
| Return on Equity (ROE) | 11.0358% | 1,954 |
| Retained earnings to average equity (ytd only) | 11.0358% | 963 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7312% | 7,005 |
| Assets per employee ($millions) | 2.2530% | 7,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7293% | 2,043 |
| Loan loss allowance to noncurrent loans | 128.5714% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.9709% | 4,768 |
| Noncurrent loans to loans | 1.3450% | 4,299 |
| Net loans and leases to total assets | 70.9387% | 3,485 |
| Net loans and leases to deposits | 92.3244% | 2,541 |
| Net loans and leases to core deposits | 121.0452% | 2,331 |
| Total domestic deposits to total assets | 76.8364% | 6,322 |
| Equity capital to assets | 22.7696% | 285 |
| Core capital (leverage) ratio | 21.9596% | 307 |
| Tier 1 risk-based capital ratio | 31.4248% | 562 |
| Total risk-based capital ratio | 32.6824% | 547 |
| Memoranda: | ||
| Average total assets | $18,469,500 | 8,023 |
| Average earning assets | $16,746,000 | 8,007 |
| Average equity | $4,059,500 | 7,434 |
| Average total loans | $12,560,500 | 7,771 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0393% | 1,032 |
| Cost of funding earning assets | 2.0915% | 6,091 |
| Net interest margin | 4.9478% | 572 |
| Noninterest income to average assets | 0.8481% | 2,247 |
| Noninterest expense to average assets | 3.0884% | 3,744 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.3150% | 190 |
| Return on assets (ROA) | 2.3150% | 183 |
| Pretax return on assets | 2.3150% | 303 |
| Return on Equity (ROE) | 11.3127% | 1,813 |
| Retained earnings to average equity (ytd only) | 6.4123% | 1,359 |
| Net charge-offs to loans | 0.0418% | 6,192 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 86.8000% | 487 |
| Efficiency ratio | 57.1570% | 6,843 |
| Assets per employee ($millions) | 2.3644% | 7,461 |
| Cash dividends to net income (ytd only)* | 43.3180% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8580% | 1,509 |
| Loan loss allowance to noncurrent loans | 78.6713% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.5120% | 3,192 |
| Noncurrent loans to loans | 2.3617% | 2,328 |
| Net loans and leases to total assets | 62.8337% | 5,488 |
| Net loans and leases to deposits | 80.1254% | 5,029 |
| Net loans and leases to core deposits | 103.7810% | 4,413 |
| Total domestic deposits to total assets | 78.4192% | 5,575 |
| Equity capital to assets | 21.2265% | 390 |
| Core capital (leverage) ratio | 21.0756% | 369 |
| Tier 1 risk-based capital ratio | 31.8745% | 557 |
| Total risk-based capital ratio | 33.1296% | 544 |
| Memoranda: | ||
| Average total assets | $18,747,400 | 8,056 |
| Average earning assets | $17,260,200 | 8,033 |
| Average equity | $3,836,400 | 7,567 |
| Average total loans | $11,971,200 | 7,832 |