Home > Hartsburg State Bank > Performance and Condition Ratios
Hartsburg State 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 | 3.1219% | 4,497 |
| Cost of funding earning assets | 0.5297% | 4,172 |
| Net interest margin | 2.5921% | 3,976 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.4554% | 2,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1832% | 4,188 |
| Return on assets (ROA) | 0.1832% | 4,204 |
| Pretax return on assets | 0.1832% | 4,210 |
| Return on Equity (ROE) | 3.5100% | 3,954 |
| Retained earnings to average equity (ytd only) | 1.3275% | 3,753 |
| Net charge-offs to loans | 0.7880% | 129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.7115% | 2,799 |
| Efficiency ratio | 93.0582% | 328 |
| Assets per employee ($millions) | 7.0117% | 2,069 |
| Cash dividends to net income (ytd only)* | 62.1622% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1691% | 102 |
| Loan loss allowance to noncurrent loans | 392.1569% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 2,000 |
| Noncurrent loans to loans | 0.8081% | 956 |
| Net loans and leases to total assets | 29.0500% | 4,316 |
| Net loans and leases to deposits | 31.5618% | 4,338 |
| Net loans and leases to core deposits | 32.0149% | 4,378 |
| Total domestic deposits to total assets | 92.0500% | 299 |
| Equity capital to assets | 5.8094% | 4,272 |
| Core capital (leverage) ratio | 11.2706% | 1,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $20,200,200 | 4,519 |
| Average earning assets | $19,443,400 | 4,483 |
| Average equity | $1,054,600 | 4,519 |
| Average total loans | $6,598,600 | 4,445 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3166% | 4,451 |
| Cost of funding earning assets | 0.4094% | 4,242 |
| Net interest margin | 2.9073% | 3,529 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.4210% | 2,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5135% | 3,735 |
| Return on assets (ROA) | 0.5135% | 3,727 |
| Pretax return on assets | 0.5135% | 3,883 |
| Return on Equity (ROE) | 10.1400% | 2,601 |
| Retained earnings to average equity (ytd only) | 10.1372% | 1,364 |
| Net charge-offs to loans | 0.9994% | 94 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1.5400% | 2,529 |
| Efficiency ratio | 82.5000% | 697 |
| Assets per employee ($millions) | 5.8640% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1269% | 112 |
| Loan loss allowance to noncurrent loans | 412.2449% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 1,893 |
| Noncurrent loans to loans | 0.7585% | 1,095 |
| Net loans and leases to total assets | 35.5700% | 4,197 |
| Net loans and leases to deposits | 39.7687% | 4,208 |
| Net loans and leases to core deposits | 40.4734% | 4,247 |
| Total domestic deposits to total assets | 89.4500% | 1,092 |
| Equity capital to assets | 5.3831% | 4,173 |
| Core capital (leverage) ratio | 11.7879% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $19,991,500 | 4,546 |
| Average earning assets | $19,215,750 | 4,510 |
| Average equity | $1,012,750 | 4,544 |
| Average total loans | $6,670,500 | 4,468 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2360% | 4,487 |
| Cost of funding earning assets | 0.3096% | 4,299 |
| Net interest margin | 2.9263% | 3,599 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.3568% | 2,633 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6349% | 3,497 |
| Return on assets (ROA) | 0.6349% | 3,508 |
| Pretax return on assets | 0.6349% | 3,734 |
| Return on Equity (ROE) | 12.7600% | 1,956 |
| Retained earnings to average equity (ytd only) | 12.7577% | 844 |
| Net charge-offs to loans | 1.4835% | 59 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1.3200% | 2,370 |
| Efficiency ratio | 78.7781% | 941 |
| Assets per employee ($millions) | 6.4500% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2518% | 110 |
| Loan loss allowance to noncurrent loans | 439.1304% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 2,000 |
| Noncurrent loans to loans | 0.7405% | 1,018 |
| Net loans and leases to total assets | 31.0600% | 4,303 |
| Net loans and leases to deposits | 33.0801% | 4,350 |
| Net loans and leases to core deposits | 33.5867% | 4,366 |
| Total domestic deposits to total assets | 93.8900% | 157 |
| Equity capital to assets | 5.5866% | 4,271 |
| Core capital (leverage) ratio | 11.1826% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $20,791,333 | 4,573 |
| Average earning assets | $20,025,000 | 4,536 |
| Average equity | $1,034,667 | 4,573 |
| Average total loans | $6,740,667 | 4,498 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1434% | 4,514 |
| Cost of funding earning assets | 0.1350% | 4,485 |
| Net interest margin | 3.0084% | 3,581 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.3243% | 2,751 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7810% | 3,251 |
| Return on assets (ROA) | 0.7810% | 3,206 |
| Pretax return on assets | 0.8367% | 3,376 |
| Return on Equity (ROE) | 16.6100% | 1,241 |
| Retained earnings to average equity (ytd only) | 16.6090% | 627 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.5294% | 1,388 |
| Assets per employee ($millions) | 7.2817% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8170% | 70 |
| Loan loss allowance to noncurrent loans | 393.7500% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 1,691 |
| Noncurrent loans to loans | 0.9694% | 767 |
| Net loans and leases to total assets | 29.0700% | 4,387 |
| Net loans and leases to deposits | 30.7149% | 4,432 |
| Net loans and leases to core deposits | 31.1259% | 4,441 |
| Total domestic deposits to total assets | 94.6400% | 119 |
| Equity capital to assets | 4.9393% | 4,426 |
| Core capital (leverage) ratio | 10.2372% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $21,512,000 | 4,629 |
| Average earning assets | $20,742,000 | 4,596 |
| Average equity | $1,011,500 | 4,645 |
| Average total loans | $7,005,000 | 4,564 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8347% | 4,293 |
| Cost of funding earning assets | 0.1338% | 4,211 |
| Net interest margin | 2.7010% | 4,053 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.2628% | 2,857 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4456% | 4,179 |
| Return on assets (ROA) | 0.4456% | 4,140 |
| Pretax return on assets | 0.4803% | 4,195 |
| Return on Equity (ROE) | 6.9300% | 3,653 |
| Retained earnings to average equity (ytd only) | 5.1570% | 2,979 |
| Net charge-offs to loans | 0.2862% | 273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 4.8500% | 2,399 |
| Efficiency ratio | 82.4910% | 567 |
| Assets per employee ($millions) | 7.0597% | 1,929 |
| Cash dividends to net income (ytd only)* | 25.5556% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4017% | 87 |
| Loan loss allowance to noncurrent loans | 420.0000% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 1,729 |
| Noncurrent loans to loans | 0.8099% | 915 |
| Net loans and leases to total assets | 33.7900% | 4,291 |
| Net loans and leases to deposits | 35.5154% | 4,355 |
| Net loans and leases to core deposits | 36.0032% | 4,375 |
| Total domestic deposits to total assets | 95.1400% | 130 |
| Equity capital to assets | 4.4572% | 4,465 |
| Core capital (leverage) ratio | 11.5348% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $20,196,400 | 4,668 |
| Average earning assets | $19,437,600 | 4,638 |
| Average equity | $1,299,200 | 4,701 |
| Average total loans | $6,988,400 | 4,600 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1669% | 4,570 |
| Cost of funding earning assets | 0.1320% | 4,016 |
| Net interest margin | 2.0349% | 4,541 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.8645% | 3,832 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5213% | 4,028 |
| Return on assets (ROA) | 0.5213% | 3,974 |
| Pretax return on assets | 0.5213% | 4,114 |
| Return on Equity (ROE) | 7.4900% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.4926% | 2,193 |
| Net charge-offs to loans | 0.1550% | 419 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 2,012 |
| Efficiency ratio | 78.1513% | 900 |
| Assets per employee ($millions) | 6.5973% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6159% | 80 |
| Loan loss allowance to noncurrent loans | 366.6667% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 1,484 |
| Noncurrent loans to loans | 0.9862% | 790 |
| Net loans and leases to total assets | 35.5500% | 4,247 |
| Net loans and leases to deposits | 37.5327% | 4,323 |
| Net loans and leases to core deposits | 38.0872% | 4,342 |
| Total domestic deposits to total assets | 94.7300% | 255 |
| Equity capital to assets | 4.7443% | 4,340 |
| Core capital (leverage) ratio | 10.3764% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $19,950,750 | 4,705 |
| Average earning assets | $19,197,500 | 4,676 |
| Average equity | $1,388,000 | 4,736 |
| Average total loans | $6,883,500 | 4,638 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1096% | 4,597 |
| Cost of funding earning assets | 0.1351% | 3,772 |
| Net interest margin | 1.9745% | 4,571 |
| Noninterest income to average assets | 0.5999% | 1,738 |
| Noninterest expense to average assets | 2.0396% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4599% | 3,985 |
| Return on assets (ROA) | 0.4599% | 3,939 |
| Pretax return on assets | 0.4599% | 4,063 |
| Return on Equity (ROE) | 5.9831% | 3,576 |
| Retained earnings to average equity (ytd only) | 5.9831% | 2,342 |
| Net charge-offs to loans | 0.2076% | 313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 6.5714% | 1,889 |
| Efficiency ratio | 81.6000% | 828 |
| Assets per employee ($millions) | 6.7460% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9132% | 72 |
| Loan loss allowance to noncurrent loans | 389.7059% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 1,654 |
| Noncurrent loans to loans | 1.0041% | 832 |
| Net loans and leases to total assets | 32.1524% | 4,397 |
| Net loans and leases to deposits | 34.4577% | 4,437 |
| Net loans and leases to core deposits | 34.9613% | 4,464 |
| Total domestic deposits to total assets | 93.3096% | 435 |
| Equity capital to assets | 6.1963% | 4,137 |
| Core capital (leverage) ratio | 10.5876% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,003,667 | 4,740 |
| Average earning assets | $19,245,333 | 4,726 |
| Average equity | $1,537,667 | 4,759 |
| Average total loans | $6,744,333 | 4,704 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8597% | 4,653 |
| Cost of funding earning assets | 0.1463% | 3,549 |
| Net interest margin | 1.7135% | 4,641 |
| Noninterest income to average assets | 0.4224% | 2,540 |
| Noninterest expense to average assets | 2.2729% | 2,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2011% | 4,641 |
| Return on assets (ROA) | -0.2011% | 4,623 |
| Pretax return on assets | -0.2011% | 4,615 |
| Return on Equity (ROE) | -2.3817% | 4,649 |
| Retained earnings to average equity (ytd only) | -2.3817% | 4,277 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7087% | 135 |
| Assets per employee ($millions) | 6.6087% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0676% | 71 |
| Loan loss allowance to noncurrent loans | 453.3333% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 1,905 |
| Noncurrent loans to loans | 0.8973% | 1,033 |
| Net loans and leases to total assets | 32.3565% | 4,363 |
| Net loans and leases to deposits | 35.1084% | 4,414 |
| Net loans and leases to core deposits | 35.6389% | 4,438 |
| Total domestic deposits to total assets | 92.1618% | 513 |
| Equity capital to assets | 7.3338% | 4,031 |
| Core capital (leverage) ratio | 7.0840% | 4,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5738% | 1,126 |
| Memoranda: | ||
| Average total assets | $19,886,500 | 4,764 |
| Average earning assets | $19,142,500 | 4,749 |
| Average equity | $1,679,500 | 4,779 |
| Average total loans | $6,730,500 | 4,731 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1208% | 4,646 |
| Cost of funding earning assets | 0.1623% | 3,845 |
| Net interest margin | 1.9585% | 4,616 |
| Noninterest income to average assets | 0.3591% | 3,287 |
| Noninterest expense to average assets | 2.2589% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.0156% | 4,686 |
| Return on assets (ROA) | -0.0156% | 4,695 |
| Pretax return on assets | -0.0156% | 4,694 |
| Return on Equity (ROE) | -0.1510% | 4,696 |
| Retained earnings to average equity (ytd only) | -1.2077% | 4,590 |
| Net charge-offs to loans | 0.0298% | 1,641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | -1.5000% | 2,662 |
| Efficiency ratio | 100.6961% | 140 |
| Assets per employee ($millions) | 6.6490% | 2,200 |
| Cash dividends to net income (ytd only)* | -700.0000% | 4,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0301% | 65 |
| Loan loss allowance to noncurrent loans | 373.9726% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 1,762 |
| Noncurrent loans to loans | 1.0776% | 901 |
| Net loans and leases to total assets | 32.5914% | 4,427 |
| Net loans and leases to deposits | 36.1911% | 4,468 |
| Net loans and leases to core deposits | 36.7475% | 4,501 |
| Total domestic deposits to total assets | 90.0536% | 933 |
| Equity capital to assets | 9.5503% | 3,101 |
| Core capital (leverage) ratio | 10.8908% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,213,200 | 4,811 |
| Average earning assets | $18,484,000 | 4,791 |
| Average equity | $1,987,200 | 4,815 |
| Average total loans | $6,702,400 | 4,776 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1574% | 4,724 |
| Cost of funding earning assets | 0.1968% | 3,633 |
| Net interest margin | 1.9606% | 4,695 |
| Noninterest income to average assets | 0.3994% | 3,085 |
| Noninterest expense to average assets | 2.2771% | 2,817 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0070% | 4,740 |
| Return on assets (ROA) | 0.0070% | 4,752 |
| Pretax return on assets | 0.0070% | 4,750 |
| Return on Equity (ROE) | 0.0664% | 4,751 |
| Retained earnings to average equity (ytd only) | 0.0664% | 4,554 |
| Net charge-offs to loans | 0.0399% | 1,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 2,404 |
| Efficiency ratio | 99.6933% | 159 |
| Assets per employee ($millions) | 6.3713% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3513% | 56 |
| Loan loss allowance to noncurrent loans | 303.3333% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 1,614 |
| Noncurrent loans to loans | 1.4345% | 738 |
| Net loans and leases to total assets | 31.3958% | 4,555 |
| Net loans and leases to deposits | 35.1738% | 4,597 |
| Net loans and leases to core deposits | 35.7436% | 4,617 |
| Total domestic deposits to total assets | 89.2592% | 1,143 |
| Equity capital to assets | 10.3851% | 2,542 |
| Core capital (leverage) ratio | 10.0528% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,029,750 | 4,885 |
| Average earning assets | $18,293,250 | 4,866 |
| Average equity | $2,007,750 | 4,887 |
| Average total loans | $6,684,500 | 4,846 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1802% | 4,766 |
| Cost of funding earning assets | 0.1863% | 3,889 |
| Net interest margin | 1.9940% | 4,712 |
| Noninterest income to average assets | 0.2000% | 4,200 |
| Noninterest expense to average assets | 2.1261% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0105% | 4,776 |
| Return on assets (ROA) | -0.0105% | 4,786 |
| Pretax return on assets | -0.0105% | 4,783 |
| Return on Equity (ROE) | -0.0992% | 4,787 |
| Retained earnings to average equity (ytd only) | -0.0992% | 4,525 |
| Net charge-offs to loans | 0.0586% | 1,028 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 2,202 |
| Efficiency ratio | 100.4975% | 161 |
| Assets per employee ($millions) | 6.4143% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1084% | 65 |
| Loan loss allowance to noncurrent loans | 345.5696% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 1,970 |
| Noncurrent loans to loans | 1.1889% | 1,011 |
| Net loans and leases to total assets | 33.1133% | 4,558 |
| Net loans and leases to deposits | 36.9970% | 4,611 |
| Net loans and leases to core deposits | 37.5907% | 4,634 |
| Total domestic deposits to total assets | 89.5027% | 1,026 |
| Equity capital to assets | 10.1803% | 2,692 |
| Core capital (leverage) ratio | 10.2362% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,001,667 | 4,919 |
| Average earning assets | $18,255,000 | 4,900 |
| Average equity | $2,015,333 | 4,923 |
| Average total loans | $6,821,333 | 4,881 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2550% | 4,774 |
| Cost of funding earning assets | 0.1990% | 3,922 |
| Net interest margin | 2.0560% | 4,701 |
| Noninterest income to average assets | 0.3390% | 3,403 |
| Noninterest expense to average assets | 2.3092% | 2,758 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0000% | 4,772 |
| Return on assets (ROA) | 0.0000% | 4,782 |
| Pretax return on assets | 0.0000% | 4,785 |
| Return on Equity (ROE) | 0.0000% | 4,782 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,366 |
| Net charge-offs to loans | 0.1158% | 609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 1,888 |
| Efficiency ratio | 100.0000% | 187 |
| Assets per employee ($millions) | 6.1950% | 2,414 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3162% | 62 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 32.5639% | 4,611 |
| Net loans and leases to deposits | 36.7166% | 4,659 |
| Net loans and leases to core deposits | 37.3258% | 4,680 |
| Total domestic deposits to total assets | 88.6898% | 1,510 |
| Equity capital to assets | 10.8528% | 1,966 |
| Core capital (leverage) ratio | 10.6226% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,881,000 | 4,947 |
| Average earning assets | $18,093,000 | 4,930 |
| Average equity | $2,043,500 | 4,948 |
| Average total loans | $6,909,500 | 4,907 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8647% | 4,721 |
| Cost of funding earning assets | 0.2693% | 4,295 |
| Net interest margin | 2.5953% | 4,504 |
| Noninterest income to average assets | 0.1403% | 4,592 |
| Noninterest expense to average assets | 2.2037% | 3,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4150% | 4,217 |
| Return on assets (ROA) | 0.4150% | 4,295 |
| Pretax return on assets | 0.4150% | 4,398 |
| Return on Equity (ROE) | 3.4033% | 4,286 |
| Retained earnings to average equity (ytd only) | 2.3967% | 3,665 |
| Net charge-offs to loans | -0.1628% | 4,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1518% | 617 |
| Assets per employee ($millions) | 6.3923% | 2,009 |
| Cash dividends to net income (ytd only)* | 29.5775% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6563% | 79 |
| Loan loss allowance to noncurrent loans | 421.5385% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 2,637 |
| Noncurrent loans to loans | 0.8674% | 1,629 |
| Net loans and leases to total assets | 37.6493% | 4,538 |
| Net loans and leases to deposits | 42.4856% | 4,580 |
| Net loans and leases to core deposits | 43.1689% | 4,624 |
| Total domestic deposits to total assets | 88.6166% | 1,162 |
| Equity capital to assets | 10.7942% | 2,435 |
| Core capital (leverage) ratio | 12.6218% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,107,800 | 4,976 |
| Average earning assets | $16,337,000 | 4,957 |
| Average equity | $2,086,200 | 4,967 |
| Average total loans | $7,985,600 | 4,918 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9924% | 4,739 |
| Cost of funding earning assets | 0.2866% | 4,362 |
| Net interest margin | 2.7058% | 4,458 |
| Noninterest income to average assets | 0.1848% | 4,367 |
| Noninterest expense to average assets | 2.2583% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5063% | 4,010 |
| Return on assets (ROA) | 0.5063% | 4,107 |
| Pretax return on assets | 0.5063% | 4,268 |
| Return on Equity (ROE) | 4.0186% | 4,151 |
| Retained earnings to average equity (ytd only) | 4.0186% | 3,041 |
| Net charge-offs to loans | -0.2960% | 4,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6860% | 747 |
| Assets per employee ($millions) | 5.7467% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5691% | 85 |
| Loan loss allowance to noncurrent loans | 362.3377% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4466% | 2,403 |
| Noncurrent loans to loans | 0.9850% | 1,520 |
| Net loans and leases to total assets | 43.7239% | 4,428 |
| Net loans and leases to deposits | 50.1330% | 4,482 |
| Net loans and leases to core deposits | 53.5864% | 4,466 |
| Total domestic deposits to total assets | 87.2158% | 1,569 |
| Equity capital to assets | 12.2506% | 1,548 |
| Core capital (leverage) ratio | 11.7128% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,590,500 | 5,006 |
| Average earning assets | $15,817,250 | 4,991 |
| Average equity | $2,090,250 | 4,995 |
| Average total loans | $8,108,500 | 4,949 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1144% | 4,783 |
| Cost of funding earning assets | 0.2820% | 4,528 |
| Net interest margin | 2.8324% | 4,406 |
| Noninterest income to average assets | 0.2687% | 3,868 |
| Noninterest expense to average assets | 2.3940% | 3,277 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5741% | 3,819 |
| Return on assets (ROA) | 0.5741% | 3,896 |
| Pretax return on assets | 0.5741% | 4,108 |
| Return on Equity (ROE) | 4.5127% | 3,970 |
| Retained earnings to average equity (ytd only) | 4.5127% | 2,701 |
| Net charge-offs to loans | -0.4387% | 4,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6584% | 842 |
| Assets per employee ($millions) | 5.8493% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3794% | 97 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 45.4582% | 4,386 |
| Net loans and leases to deposits | 51.9979% | 4,450 |
| Net loans and leases to core deposits | 55.5038% | 4,447 |
| Total domestic deposits to total assets | 87.4231% | 1,443 |
| Equity capital to assets | 12.0242% | 1,641 |
| Core capital (leverage) ratio | 12.9115% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,374,000 | 5,038 |
| Average earning assets | $15,605,000 | 5,024 |
| Average equity | $2,083,000 | 5,026 |
| Average total loans | $8,205,667 | 4,982 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3090% | 4,803 |
| Cost of funding earning assets | 0.3202% | 4,596 |
| Net interest margin | 2.9888% | 4,298 |
| Noninterest income to average assets | 0.3040% | 3,692 |
| Noninterest expense to average assets | 2.4324% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7094% | 3,243 |
| Return on assets (ROA) | 0.7094% | 3,322 |
| Pretax return on assets | 0.7094% | 3,656 |
| Return on Equity (ROE) | 5.4119% | 3,503 |
| Retained earnings to average equity (ytd only) | 5.4119% | 2,110 |
| Net charge-offs to loans | -0.2445% | 4,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4194% | 1,410 |
| Assets per employee ($millions) | 5.1750% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2106% | 122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 51.6522% | 4,140 |
| Net loans and leases to deposits | 60.0944% | 4,192 |
| Net loans and leases to core deposits | 64.7895% | 4,137 |
| Total domestic deposits to total assets | 85.9517% | 2,019 |
| Equity capital to assets | 13.4622% | 1,235 |
| Core capital (leverage) ratio | 12.8127% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3014% | 944 |
| Memoranda: | ||
| Average total assets | $15,787,000 | 5,091 |
| Average earning assets | $14,989,500 | 5,077 |
| Average equity | $2,069,500 | 5,076 |
| Average total loans | $8,180,500 | 5,026 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7697% | 4,607 |
| Cost of funding earning assets | 0.2763% | 4,782 |
| Net interest margin | 3.4934% | 3,466 |
| Noninterest income to average assets | 0.1646% | 4,666 |
| Noninterest expense to average assets | 2.6271% | 3,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8989% | 3,210 |
| Return on assets (ROA) | 0.8989% | 3,298 |
| Pretax return on assets | 0.8989% | 3,744 |
| Return on Equity (ROE) | 7.1443% | 3,499 |
| Retained earnings to average equity (ytd only) | 6.0877% | 1,820 |
| Net charge-offs to loans | -0.4243% | 5,113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5063% | 1,547 |
| Assets per employee ($millions) | 5.3497% | 2,194 |
| Cash dividends to net income (ytd only)* | 14.7887% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2318% | 102 |
| Loan loss allowance to noncurrent loans | 1,740.0000% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 4,157 |
| Noncurrent loans to loans | 0.1857% | 3,786 |
| Net loans and leases to total assets | 48.6946% | 4,388 |
| Net loans and leases to deposits | 56.2190% | 4,450 |
| Net loans and leases to core deposits | 60.4221% | 4,422 |
| Total domestic deposits to total assets | 86.6160% | 1,797 |
| Equity capital to assets | 12.7672% | 1,667 |
| Core capital (leverage) ratio | 13.3852% | 1,087 |
| Tier 1 risk-based capital ratio | 18.0799% | 1,741 |
| Total risk-based capital ratio | 19.3417% | 1,696 |
| Memoranda: | ||
| Average total assets | $15,797,000 | 5,148 |
| Average earning assets | $15,200,200 | 5,132 |
| Average equity | $1,987,600 | 5,139 |
| Average total loans | $8,484,600 | 5,081 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8077% | 4,671 |
| Cost of funding earning assets | 0.2895% | 4,818 |
| Net interest margin | 3.5182% | 3,513 |
| Noninterest income to average assets | 0.1525% | 4,784 |
| Noninterest expense to average assets | 2.3558% | 3,808 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1949% | 2,210 |
| Return on assets (ROA) | 1.1949% | 2,289 |
| Pretax return on assets | 1.1949% | 2,996 |
| Return on Equity (ROE) | 9.5323% | 2,656 |
| Retained earnings to average equity (ytd only) | 9.5323% | 887 |
| Net charge-offs to loans | -0.4503% | 5,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3484% | 2,681 |
| Assets per employee ($millions) | 5.3867% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0687% | 126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 49.6473% | 4,446 |
| Net loans and leases to deposits | 57.2376% | 4,501 |
| Net loans and leases to core deposits | 61.4789% | 4,481 |
| Total domestic deposits to total assets | 86.7389% | 1,661 |
| Equity capital to assets | 12.8094% | 1,725 |
| Core capital (leverage) ratio | 13.2922% | 1,218 |
| Tier 1 risk-based capital ratio | 18.3056% | 1,732 |
| Total risk-based capital ratio | 19.5791% | 1,694 |
| Memoranda: | ||
| Average total assets | $15,734,000 | 5,227 |
| Average earning assets | $15,196,750 | 5,211 |
| Average equity | $1,972,250 | 5,216 |
| Average total loans | $8,586,750 | 5,159 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8579% | 4,626 |
| Cost of funding earning assets | 0.2775% | 4,881 |
| Net interest margin | 3.5805% | 3,336 |
| Noninterest income to average assets | 0.1668% | 4,752 |
| Noninterest expense to average assets | 2.4500% | 3,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1929% | 2,173 |
| Return on assets (ROA) | 1.1929% | 2,234 |
| Pretax return on assets | 1.1929% | 2,925 |
| Return on Equity (ROE) | 9.5893% | 2,597 |
| Retained earnings to average equity (ytd only) | 9.5893% | 885 |
| Net charge-offs to loans | -0.4603% | 5,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2535% | 2,647 |
| Assets per employee ($millions) | 5.0280% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9296% | 133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 53.8186% | 4,223 |
| Net loans and leases to deposits | 62.5279% | 4,307 |
| Net loans and leases to core deposits | 67.5599% | 4,232 |
| Total domestic deposits to total assets | 86.0713% | 1,995 |
| Equity capital to assets | 13.3718% | 1,391 |
| Core capital (leverage) ratio | 13.3487% | 1,170 |
| Tier 1 risk-based capital ratio | 17.9342% | 1,825 |
| Total risk-based capital ratio | 19.1942% | 1,778 |
| Memoranda: | ||
| Average total assets | $15,592,000 | 5,274 |
| Average earning assets | $15,137,670 | 5,258 |
| Average equity | $1,939,670 | 5,264 |
| Average total loans | $8,690,000 | 5,204 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 4,782 |
| Cost of funding earning assets | 0.2865% | 4,883 |
| Net interest margin | 3.4635% | 3,707 |
| Noninterest income to average assets | 0.1515% | 4,835 |
| Noninterest expense to average assets | 2.3981% | 3,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1107% | 2,432 |
| Return on assets (ROA) | 1.1107% | 2,477 |
| Pretax return on assets | 1.1107% | 3,117 |
| Return on Equity (ROE) | 9.2583% | 2,688 |
| Retained earnings to average equity (ytd only) | 9.2583% | 1,234 |
| Net charge-offs to loans | -0.4066% | 5,251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3453% | 2,594 |
| Assets per employee ($millions) | 5.0547% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6792% | 200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 56.0538% | 4,056 |
| Net loans and leases to deposits | 64.6683% | 4,144 |
| Net loans and leases to core deposits | 69.7865% | 4,088 |
| Total domestic deposits to total assets | 86.6790% | 1,973 |
| Equity capital to assets | 12.8330% | 1,549 |
| Core capital (leverage) ratio | 12.7662% | 1,373 |
| Tier 1 risk-based capital ratio | 17.2922% | 2,017 |
| Total risk-based capital ratio | 18.5549% | 1,955 |
| Memoranda: | ||
| Average total assets | $15,846,000 | 5,329 |
| Average earning assets | $15,360,000 | 5,314 |
| Average equity | $1,901,000 | 5,322 |
| Average total loans | $8,853,500 | 5,260 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7225% | 4,634 |
| Cost of funding earning assets | 0.3304% | 4,406 |
| Net interest margin | 3.3921% | 4,019 |
| Noninterest income to average assets | 0.1507% | 4,958 |
| Noninterest expense to average assets | 2.6791% | 3,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7664% | 3,922 |
| Return on assets (ROA) | 0.7467% | 3,981 |
| Pretax return on assets | 0.7467% | 4,298 |
| Return on Equity (ROE) | 6.2858% | 4,074 |
| Retained earnings to average equity (ytd only) | 5.3485% | 2,560 |
| Net charge-offs to loans | -0.3838% | 5,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7567% | 1,151 |
| Assets per employee ($millions) | 5.5093% | 1,944 |
| Cash dividends to net income (ytd only)* | 14.9123% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5075% | 232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 52.9284% | 4,356 |
| Net loans and leases to deposits | 61.6273% | 4,399 |
| Net loans and leases to core deposits | 66.1175% | 4,347 |
| Total domestic deposits to total assets | 85.8846% | 2,291 |
| Equity capital to assets | 11.2294% | 2,490 |
| Core capital (leverage) ratio | 13.2064% | 1,176 |
| Tier 1 risk-based capital ratio | 19.3186% | 1,444 |
| Total risk-based capital ratio | 20.5912% | 1,404 |
| Memoranda: | ||
| Average total assets | $15,266,200 | 5,377 |
| Average earning assets | $14,828,600 | 5,360 |
| Average equity | $1,813,600 | 5,370 |
| Average total loans | $8,859,600 | 5,307 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7826% | 4,474 |
| Cost of funding earning assets | 0.3489% | 4,187 |
| Net interest margin | 3.4337% | 3,912 |
| Noninterest income to average assets | 0.1605% | 4,978 |
| Noninterest expense to average assets | 2.5060% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9899% | 3,128 |
| Return on assets (ROA) | 0.9899% | 3,136 |
| Pretax return on assets | 0.9899% | 3,743 |
| Return on Equity (ROE) | 8.2085% | 3,463 |
| Retained earnings to average equity (ytd only) | 8.2085% | 1,553 |
| Net charge-offs to loans | -0.3774% | 5,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6837% | 1,934 |
| Assets per employee ($millions) | 4.8923% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4916% | 243 |
| Loan loss allowance to noncurrent loans | 21,600.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 4,987 |
| Noncurrent loans to loans | 0.0115% | 4,866 |
| Net loans and leases to total assets | 57.5935% | 4,083 |
| Net loans and leases to deposits | 65.9978% | 4,200 |
| Net loans and leases to core deposits | 71.3695% | 4,115 |
| Total domestic deposits to total assets | 87.2658% | 1,616 |
| Equity capital to assets | 12.4821% | 1,600 |
| Core capital (leverage) ratio | 13.2542% | 1,188 |
| Tier 1 risk-based capital ratio | 20.7501% | 1,219 |
| Total risk-based capital ratio | 22.0109% | 1,194 |
| Memoranda: | ||
| Average total assets | $14,950,750 | 5,450 |
| Average earning assets | $14,522,250 | 5,432 |
| Average equity | $1,803,000 | 5,442 |
| Average total loans | $8,831,250 | 5,376 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7539% | 4,464 |
| Cost of funding earning assets | 0.3836% | 3,842 |
| Net interest margin | 3.3703% | 4,046 |
| Noninterest income to average assets | 0.1596% | 5,029 |
| Noninterest expense to average assets | 2.4465% | 3,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9839% | 3,092 |
| Return on assets (ROA) | 0.9839% | 3,096 |
| Pretax return on assets | 0.9839% | 3,715 |
| Return on Equity (ROE) | 8.2528% | 3,390 |
| Retained earnings to average equity (ytd only) | 8.2528% | 1,517 |
| Net charge-offs to loans | -0.3601% | 5,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3178% | 2,111 |
| Assets per employee ($millions) | 4.6817% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3851% | 283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 60.3204% | 3,776 |
| Net loans and leases to deposits | 69.3063% | 3,915 |
| Net loans and leases to core deposits | 74.5775% | 3,840 |
| Total domestic deposits to total assets | 87.0345% | 1,826 |
| Equity capital to assets | 12.9085% | 1,343 |
| Core capital (leverage) ratio | 12.6983% | 1,350 |
| Tier 1 risk-based capital ratio | 21.0637% | 1,164 |
| Total risk-based capital ratio | 22.3242% | 1,134 |
| Memoranda: | ||
| Average total assets | $15,042,000 | 5,515 |
| Average earning assets | $14,598,000 | 5,496 |
| Average equity | $1,793,330 | 5,505 |
| Average total loans | $8,885,330 | 5,434 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5543% | 4,788 |
| Cost of funding earning assets | 0.3713% | 3,818 |
| Net interest margin | 3.1829% | 4,521 |
| Noninterest income to average assets | 0.1802% | 4,949 |
| Noninterest expense to average assets | 2.0849% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1840% | 2,080 |
| Return on assets (ROA) | 1.1840% | 2,088 |
| Pretax return on assets | 1.1840% | 2,825 |
| Return on Equity (ROE) | 10.3168% | 2,269 |
| Retained earnings to average equity (ytd only) | 10.3168% | 1,064 |
| Net charge-offs to loans | -0.3115% | 5,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7795% | 3,515 |
| Assets per employee ($millions) | 4.8610% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1988% | 387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 60.3922% | 3,712 |
| Net loans and leases to deposits | 68.8639% | 3,889 |
| Net loans and leases to core deposits | 80.2899% | 3,301 |
| Total domestic deposits to total assets | 87.6980% | 1,789 |
| Equity capital to assets | 12.2540% | 1,631 |
| Core capital (leverage) ratio | 12.6032% | 1,345 |
| Tier 1 risk-based capital ratio | 19.2730% | 1,482 |
| Total risk-based capital ratio | 20.5257% | 1,446 |
| Memoranda: | ||
| Average total assets | $15,540,500 | 5,576 |
| Average earning assets | $15,080,500 | 5,558 |
| Average equity | $1,783,500 | 5,565 |
| Average total loans | $8,988,500 | 5,491 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2756% | 5,110 |
| Cost of funding earning assets | 0.1942% | 4,995 |
| Net interest margin | 3.0815% | 4,728 |
| Noninterest income to average assets | 0.1449% | 5,222 |
| Noninterest expense to average assets | 2.1789% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9355% | 2,515 |
| Return on assets (ROA) | 0.9355% | 2,556 |
| Pretax return on assets | 0.9355% | 3,791 |
| Return on Equity (ROE) | 8.8501% | 2,381 |
| Retained earnings to average equity (ytd only) | 7.9365% | 791 |
| Net charge-offs to loans | -0.3701% | 5,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9612% | 2,557 |
| Assets per employee ($millions) | 5.4993% | 1,940 |
| Cash dividends to net income (ytd only)* | 10.3226% | 3,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1288% | 428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 53.2246% | 4,421 |
| Net loans and leases to deposits | 59.7713% | 4,581 |
| Net loans and leases to core deposits | 60.8608% | 4,712 |
| Total domestic deposits to total assets | 89.0472% | 980 |
| Equity capital to assets | 10.7892% | 2,849 |
| Core capital (leverage) ratio | 11.7385% | 1,770 |
| Tier 1 risk-based capital ratio | 18.4729% | 1,659 |
| Total risk-based capital ratio | 19.7238% | 1,609 |
| Memoranda: | ||
| Average total assets | $16,568,200 | 5,633 |
| Average earning assets | $15,966,400 | 5,616 |
| Average equity | $1,751,400 | 5,629 |
| Average total loans | $8,647,200 | 5,562 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2264% | 5,200 |
| Cost of funding earning assets | 0.1839% | 5,109 |
| Net interest margin | 3.0425% | 4,827 |
| Noninterest income to average assets | 0.1527% | 5,251 |
| Noninterest expense to average assets | 1.9615% | 5,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1174% | 2,005 |
| Return on assets (ROA) | 1.1174% | 2,071 |
| Pretax return on assets | 1.1174% | 3,242 |
| Return on Equity (ROE) | 10.6252% | 1,853 |
| Retained earnings to average equity (ytd only) | 10.6252% | 467 |
| Net charge-offs to loans | -0.3269% | 5,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7076% | 3,607 |
| Assets per employee ($millions) | 6.0243% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9640% | 608 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 49.7150% | 4,720 |
| Net loans and leases to deposits | 55.3536% | 4,902 |
| Net loans and leases to core deposits | 56.2653% | 4,991 |
| Total domestic deposits to total assets | 89.8135% | 542 |
| Equity capital to assets | 10.0869% | 3,818 |
| Core capital (leverage) ratio | 11.7032% | 1,881 |
| Tier 1 risk-based capital ratio | 17.3322% | 2,053 |
| Total risk-based capital ratio | 18.5872% | 2,008 |
| Memoranda: | ||
| Average total assets | $16,585,750 | 5,697 |
| Average earning assets | $15,951,250 | 5,681 |
| Average equity | $1,744,250 | 5,696 |
| Average total loans | $8,566,000 | 5,624 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2591% | 5,170 |
| Cost of funding earning assets | 0.1818% | 5,129 |
| Net interest margin | 3.0773% | 4,733 |
| Noninterest income to average assets | 0.1740% | 5,183 |
| Noninterest expense to average assets | 1.9888% | 4,998 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1311% | 1,851 |
| Return on assets (ROA) | 1.1311% | 1,900 |
| Pretax return on assets | 1.1311% | 3,048 |
| Return on Equity (ROE) | 10.5937% | 1,798 |
| Retained earnings to average equity (ytd only) | 10.5937% | 496 |
| Net charge-offs to loans | -0.3347% | 5,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7450% | 3,713 |
| Assets per employee ($millions) | 4.7793% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9722% | 636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 59.9735% | 3,845 |
| Net loans and leases to deposits | 68.5343% | 4,020 |
| Net loans and leases to core deposits | 70.0016% | 4,230 |
| Total domestic deposits to total assets | 87.5087% | 1,714 |
| Equity capital to assets | 12.3936% | 1,673 |
| Core capital (leverage) ratio | 11.9262% | 1,675 |
| Tier 1 risk-based capital ratio | 18.8142% | 1,634 |
| Total risk-based capital ratio | 20.0741% | 1,590 |
| Memoranda: | ||
| Average total assets | $16,090,000 | 5,751 |
| Average earning assets | $15,403,000 | 5,732 |
| Average equity | $1,718,000 | 5,747 |
| Average total loans | $8,366,330 | 5,679 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0292% | 5,437 |
| Cost of funding earning assets | 0.1986% | 4,993 |
| Net interest margin | 2.8305% | 5,201 |
| Noninterest income to average assets | 0.1886% | 5,148 |
| Noninterest expense to average assets | 1.8390% | 5,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0374% | 2,131 |
| Return on assets (ROA) | 1.0374% | 2,181 |
| Pretax return on assets | 1.0374% | 3,210 |
| Return on Equity (ROE) | 10.4235% | 1,768 |
| Retained earnings to average equity (ytd only) | 10.4235% | 724 |
| Net charge-offs to loans | -0.3430% | 5,702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9344% | 3,851 |
| Assets per employee ($millions) | 5.2083% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0608% | 600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 50.4896% | 4,632 |
| Net loans and leases to deposits | 56.8085% | 4,768 |
| Net loans and leases to core deposits | 59.2089% | 4,819 |
| Total domestic deposits to total assets | 88.8768% | 1,210 |
| Equity capital to assets | 11.0016% | 2,628 |
| Core capital (leverage) ratio | 10.7565% | 2,634 |
| Tier 1 risk-based capital ratio | 18.7951% | 1,663 |
| Total risk-based capital ratio | 20.0525% | 1,619 |
| Memoranda: | ||
| Average total assets | $16,966,000 | 5,811 |
| Average earning assets | $16,110,000 | 5,797 |
| Average equity | $1,688,500 | 5,816 |
| Average total loans | $8,163,500 | 5,750 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0248% | 5,483 |
| Cost of funding earning assets | 0.1870% | 5,138 |
| Net interest margin | 2.8378% | 5,226 |
| Noninterest income to average assets | 0.2020% | 5,206 |
| Noninterest expense to average assets | 2.1175% | 4,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7772% | 3,419 |
| Return on assets (ROA) | 0.7772% | 3,523 |
| Pretax return on assets | 0.7772% | 4,251 |
| Return on Equity (ROE) | 7.6951% | 3,118 |
| Retained earnings to average equity (ytd only) | 6.7862% | 1,316 |
| Net charge-offs to loans | 0.3391% | 806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 4.5357% | 3,483 |
| Efficiency ratio | 73.1501% | 2,403 |
| Assets per employee ($millions) | 6.1023% | 1,405 |
| Cash dividends to net income (ytd only)* | 11.8110% | 3,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 44.3164% | 5,096 |
| Net loans and leases to deposits | 49.1250% | 5,244 |
| Net loans and leases to core deposits | 50.8556% | 5,273 |
| Total domestic deposits to total assets | 90.2114% | 556 |
| Equity capital to assets | 9.0566% | 4,756 |
| Core capital (leverage) ratio | 10.3668% | 3,037 |
| Tier 1 risk-based capital ratio | 14.1563% | 3,376 |
| Total risk-based capital ratio | 15.3933% | 3,307 |
| Memoranda: | ||
| Average total assets | $16,339,800 | 5,874 |
| Average earning assets | $15,505,000 | 5,856 |
| Average equity | $1,650,400 | 5,880 |
| Average total loans | $8,256,000 | 5,804 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1279% | 5,443 |
| Cost of funding earning assets | 0.1966% | 5,105 |
| Net interest margin | 2.9312% | 5,130 |
| Noninterest income to average assets | 0.1851% | 5,352 |
| Noninterest expense to average assets | 2.0781% | 5,045 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8665% | 3,068 |
| Return on assets (ROA) | 0.8665% | 3,191 |
| Pretax return on assets | 0.8665% | 4,092 |
| Return on Equity (ROE) | 8.3306% | 2,838 |
| Retained earnings to average equity (ytd only) | 8.3306% | 1,034 |
| Net charge-offs to loans | 0.4524% | 466 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.6788% | 3,375 |
| Efficiency ratio | 70.5714% | 2,813 |
| Assets per employee ($millions) | 5.6463% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8538% | 919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 49.6960% | 4,840 |
| Net loans and leases to deposits | 55.4692% | 5,025 |
| Net loans and leases to core deposits | 57.6023% | 5,074 |
| Total domestic deposits to total assets | 89.5921% | 629 |
| Equity capital to assets | 10.1541% | 3,977 |
| Core capital (leverage) ratio | 11.2365% | 2,246 |
| Tier 1 risk-based capital ratio | 14.8073% | 3,143 |
| Total risk-based capital ratio | 16.0567% | 3,075 |
| Memoranda: | ||
| Average total assets | $15,848,000 | 5,944 |
| Average earning assets | $14,919,250 | 5,926 |
| Average equity | $1,648,500 | 5,945 |
| Average total loans | $8,252,000 | 5,869 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1473% | 5,499 |
| Cost of funding earning assets | 0.2180% | 4,962 |
| Net interest margin | 2.9293% | 5,211 |
| Noninterest income to average assets | 0.1421% | 5,602 |
| Noninterest expense to average assets | 2.1312% | 4,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7879% | 3,371 |
| Return on assets (ROA) | 0.7879% | 3,517 |
| Pretax return on assets | 0.7879% | 4,328 |
| Return on Equity (ROE) | 7.5092% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.5092% | 1,376 |
| Net charge-offs to loans | -0.2701% | 5,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0088% | 2,520 |
| Assets per employee ($millions) | 3.6123% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2911% | 478 |
| Loan loss allowance to noncurrent loans | 482.9268% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 4,359 |
| Noncurrent loans to loans | 0.4744% | 3,660 |
| Net loans and leases to total assets | 58.4400% | 4,077 |
| Net loans and leases to deposits | 68.5056% | 4,133 |
| Net loans and leases to core deposits | 71.7783% | 4,197 |
| Total domestic deposits to total assets | 85.3069% | 2,734 |
| Equity capital to assets | 11.6755% | 2,382 |
| Core capital (leverage) ratio | 10.8668% | 2,572 |
| Tier 1 risk-based capital ratio | 15.2198% | 2,976 |
| Total risk-based capital ratio | 16.4812% | 2,910 |
| Memoranda: | ||
| Average total assets | $15,484,330 | 6,025 |
| Average earning assets | $14,679,330 | 6,006 |
| Average equity | $1,624,670 | 6,022 |
| Average total loans | $8,143,670 | 5,946 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9589% | 5,727 |
| Cost of funding earning assets | 0.2133% | 5,073 |
| Net interest margin | 2.7457% | 5,549 |
| Noninterest income to average assets | 0.1500% | 5,590 |
| Noninterest expense to average assets | 1.9998% | 5,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7249% | 3,595 |
| Return on assets (ROA) | 0.7249% | 3,707 |
| Pretax return on assets | 0.7249% | 4,433 |
| Return on Equity (ROE) | 7.2796% | 3,301 |
| Retained earnings to average equity (ytd only) | 7.2796% | 1,758 |
| Net charge-offs to loans | -0.3040% | 5,935 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3945% | 2,576 |
| Assets per employee ($millions) | 3.6555% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3231% | 495 |
| Loan loss allowance to noncurrent loans | 438.6364% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 4,367 |
| Noncurrent loans to loans | 0.5296% | 3,601 |
| Net loans and leases to total assets | 55.4986% | 4,306 |
| Net loans and leases to deposits | 62.5675% | 4,539 |
| Net loans and leases to core deposits | 65.4014% | 4,584 |
| Total domestic deposits to total assets | 88.7020% | 1,245 |
| Equity capital to assets | 11.1202% | 2,809 |
| Core capital (leverage) ratio | 10.7017% | 2,727 |
| Tier 1 risk-based capital ratio | 15.5986% | 2,860 |
| Total risk-based capital ratio | 16.8589% | 2,790 |
| Memoranda: | ||
| Average total assets | $16,002,000 | 6,083 |
| Average earning assets | $15,005,500 | 6,064 |
| Average equity | $1,593,500 | 6,087 |
| Average total loans | $7,894,500 | 6,010 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1019% | 5,628 |
| Cost of funding earning assets | 0.2023% | 5,270 |
| Net interest margin | 2.8996% | 5,338 |
| Noninterest income to average assets | 0.1151% | 5,825 |
| Noninterest expense to average assets | 2.0482% | 5,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6726% | 3,938 |
| Return on assets (ROA) | 0.6726% | 4,028 |
| Pretax return on assets | 0.6726% | 4,607 |
| Return on Equity (ROE) | 7.2940% | 3,365 |
| Retained earnings to average equity (ytd only) | 6.3083% | 1,652 |
| Net charge-offs to loans | -0.2947% | 6,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2784% | 2,388 |
| Assets per employee ($millions) | 4.3455% | 3,315 |
| Cash dividends to net income (ytd only)* | 13.5135% | 3,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4997% | 393 |
| Loan loss allowance to noncurrent loans | 389.5833% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 4,483 |
| Noncurrent loans to loans | 0.6416% | 3,266 |
| Net loans and leases to total assets | 41.9630% | 5,410 |
| Net loans and leases to deposits | 46.1587% | 5,552 |
| Net loans and leases to core deposits | 47.8609% | 5,571 |
| Total domestic deposits to total assets | 90.9101% | 303 |
| Equity capital to assets | 8.9806% | 5,143 |
| Core capital (leverage) ratio | 9.9893% | 3,526 |
| Tier 1 risk-based capital ratio | 15.1792% | 3,088 |
| Total risk-based capital ratio | 16.4377% | 3,022 |
| Memoranda: | ||
| Average total assets | $16,502,400 | 6,136 |
| Average earning assets | $14,829,400 | 6,127 |
| Average equity | $1,521,800 | 6,148 |
| Average total loans | $8,144,200 | 6,059 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1845% | 5,609 |
| Cost of funding earning assets | 0.2129% | 5,257 |
| Net interest margin | 2.9716% | 5,268 |
| Noninterest income to average assets | 0.0983% | 5,974 |
| Noninterest expense to average assets | 2.0962% | 5,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6305% | 4,239 |
| Return on assets (ROA) | 0.6305% | 4,347 |
| Pretax return on assets | 0.6305% | 4,894 |
| Return on Equity (ROE) | 6.7897% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.7897% | 1,796 |
| Net charge-offs to loans | -0.3209% | 6,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8769% | 2,108 |
| Assets per employee ($millions) | 4.3883% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1195% | 747 |
| Loan loss allowance to noncurrent loans | 366.0000% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 4,625 |
| Noncurrent loans to loans | 0.5791% | 3,595 |
| Net loans and leases to total assets | 48.1456% | 5,067 |
| Net loans and leases to deposits | 52.9511% | 5,316 |
| Net loans and leases to core deposits | 54.8838% | 5,362 |
| Total domestic deposits to total assets | 90.9246% | 263 |
| Equity capital to assets | 8.9500% | 5,357 |
| Core capital (leverage) ratio | 10.1009% | 3,497 |
| Tier 1 risk-based capital ratio | 13.9975% | 3,849 |
| Total risk-based capital ratio | 15.2529% | 3,790 |
| Memoranda: | ||
| Average total assets | $16,282,500 | 6,223 |
| Average earning assets | $14,402,750 | 6,214 |
| Average equity | $1,512,000 | 6,234 |
| Average total loans | $8,310,000 | 6,139 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1788% | 5,652 |
| Cost of funding earning assets | 0.2110% | 5,340 |
| Net interest margin | 2.9679% | 5,297 |
| Noninterest income to average assets | 0.1009% | 6,026 |
| Noninterest expense to average assets | 2.1943% | 5,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5675% | 4,487 |
| Return on assets (ROA) | 0.5675% | 4,589 |
| Pretax return on assets | 0.5675% | 5,057 |
| Return on Equity (ROE) | 6.0308% | 4,114 |
| Retained earnings to average equity (ytd only) | 6.0308% | 2,230 |
| Net charge-offs to loans | -0.3901% | 6,168 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4521% | 1,844 |
| Assets per employee ($millions) | 3.7473% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1744% | 765 |
| Loan loss allowance to noncurrent loans | 331.4815% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 4,455 |
| Noncurrent loans to loans | 0.6560% | 3,510 |
| Net loans and leases to total assets | 53.7261% | 4,584 |
| Net loans and leases to deposits | 59.8603% | 4,862 |
| Net loans and leases to core deposits | 62.2430% | 4,928 |
| Total domestic deposits to total assets | 89.7525% | 766 |
| Equity capital to assets | 10.1007% | 3,922 |
| Core capital (leverage) ratio | 10.6417% | 2,802 |
| Tier 1 risk-based capital ratio | 15.0448% | 3,336 |
| Total risk-based capital ratio | 16.3042% | 3,266 |
| Memoranda: | ||
| Average total assets | $15,859,000 | 6,304 |
| Average earning assets | $14,219,000 | 6,290 |
| Average equity | $1,492,330 | 6,310 |
| Average total loans | $8,202,000 | 6,211 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1778% | 5,682 |
| Cost of funding earning assets | 0.2270% | 5,247 |
| Net interest margin | 2.9508% | 5,341 |
| Noninterest income to average assets | 0.0982% | 6,097 |
| Noninterest expense to average assets | 2.1603% | 5,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4910% | 4,732 |
| Return on assets (ROA) | 0.4910% | 4,849 |
| Pretax return on assets | 0.4910% | 5,202 |
| Return on Equity (ROE) | 5.3999% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.3999% | 2,835 |
| Net charge-offs to loans | -0.4397% | 6,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4815% | 1,689 |
| Assets per employee ($millions) | 3.6493% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1731% | 834 |
| Loan loss allowance to noncurrent loans | 127.4074% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 2,786 |
| Noncurrent loans to loans | 1.7056% | 1,610 |
| Net loans and leases to total assets | 53.0451% | 4,551 |
| Net loans and leases to deposits | 59.2924% | 4,800 |
| Net loans and leases to core deposits | 61.7366% | 4,856 |
| Total domestic deposits to total assets | 89.4636% | 1,010 |
| Equity capital to assets | 10.3514% | 3,716 |
| Core capital (leverage) ratio | 9.9362% | 3,686 |
| Tier 1 risk-based capital ratio | 15.7379% | 3,045 |
| Total risk-based capital ratio | 16.9774% | 2,983 |
| Memoranda: | ||
| Average total assets | $16,294,000 | 6,366 |
| Average earning assets | $14,098,000 | 6,354 |
| Average equity | $1,481,500 | 6,379 |
| Average total loans | $8,187,000 | 6,277 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1064% | 5,949 |
| Cost of funding earning assets | 0.2599% | 5,224 |
| Net interest margin | 2.8464% | 5,733 |
| Noninterest income to average assets | 0.4189% | 4,044 |
| Noninterest expense to average assets | 2.2926% | 5,131 |
| Loan and lease loss provision to assets | 0.4246% | 406 |
| Net operating income to assets | 0.1811% | 5,801 |
| Return on assets (ROA) | 0.1755% | 5,861 |
| Pretax return on assets | 0.1755% | 5,909 |
| Return on Equity (ROE) | 2.1585% | 5,728 |
| Retained earnings to average equity (ytd only) | 2.1585% | 4,699 |
| Net charge-offs to loans | 0.7360% | 492 |
| Credit loss provision to net charge-offs | 129.3103% | 1,847 |
| Earnings coverage of net charge-offs (x) | 1.8448% | 4,322 |
| Efficiency ratio | 79.1016% | 2,053 |
| Assets per employee ($millions) | 4.4978% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9269% | 1,254 |
| Loan loss allowance to noncurrent loans | 114.7887% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.7893% | 3,232 |
| Noncurrent loans to loans | 1.6787% | 1,741 |
| Net loans and leases to total assets | 46.1119% | 5,316 |
| Net loans and leases to deposits | 54.7338% | 5,272 |
| Net loans and leases to core deposits | 56.8375% | 5,325 |
| Total domestic deposits to total assets | 84.2477% | 3,609 |
| Equity capital to assets | 8.0707% | 6,033 |
| Core capital (leverage) ratio | 8.7570% | 5,284 |
| Tier 1 risk-based capital ratio | 13.4941% | 4,417 |
| Total risk-based capital ratio | 14.7498% | 4,354 |
| Memoranda: | ||
| Average total assets | $17,665,400 | 6,435 |
| Average earning assets | $15,387,800 | 6,433 |
| Average equity | $1,436,200 | 6,469 |
| Average total loans | $7,880,200 | 6,374 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0620% | 6,074 |
| Cost of funding earning assets | 0.2737% | 5,168 |
| Net interest margin | 2.7883% | 5,887 |
| Noninterest income to average assets | 0.5232% | 3,378 |
| Noninterest expense to average assets | 2.3582% | 4,945 |
| Loan and lease loss provision to assets | 0.0758% | 2,821 |
| Net operating income to assets | 0.5611% | 4,626 |
| Return on assets (ROA) | 0.5611% | 4,701 |
| Pretax return on assets | 0.5611% | 5,152 |
| Return on Equity (ROE) | 6.8885% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.8885% | 1,879 |
| Net charge-offs to loans | -0.2414% | 6,344 |
| Credit loss provision to net charge-offs | -71.4286% | 5,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7342% | 2,085 |
| Assets per employee ($millions) | 6.2953% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0803% | 1,114 |
| Loan loss allowance to noncurrent loans | 63.1970% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 1.4243% | 2,166 |
| Noncurrent loans to loans | 3.2917% | 760 |
| Net loans and leases to total assets | 42.3700% | 5,644 |
| Net loans and leases to deposits | 46.0308% | 5,861 |
| Net loans and leases to core deposits | 47.5630% | 5,906 |
| Total domestic deposits to total assets | 92.0470% | 153 |
| Equity capital to assets | 7.8312% | 6,202 |
| Core capital (leverage) ratio | 8.9765% | 5,106 |
| Tier 1 risk-based capital ratio | 14.4097% | 3,936 |
| Total risk-based capital ratio | 15.6554% | 3,883 |
| Memoranda: | ||
| Average total assets | $17,584,000 | 6,517 |
| Average earning assets | $15,588,750 | 6,508 |
| Average equity | $1,432,250 | 6,548 |
| Average total loans | $7,735,500 | 6,455 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0901% | 6,071 |
| Cost of funding earning assets | 0.2881% | 5,097 |
| Net interest margin | 2.8020% | 5,902 |
| Noninterest income to average assets | 0.7464% | 2,062 |
| Noninterest expense to average assets | 2.4373% | 4,779 |
| Loan and lease loss provision to assets | 0.1283% | 1,922 |
| Net operating income to assets | 0.6764% | 3,960 |
| Return on assets (ROA) | 0.6647% | 4,120 |
| Pretax return on assets | 0.6647% | 4,753 |
| Return on Equity (ROE) | 8.0470% | 3,066 |
| Retained earnings to average equity (ytd only) | 8.0470% | 1,314 |
| Net charge-offs to loans | -0.2108% | 6,352 |
| Credit loss provision to net charge-offs | -137.5000% | 5,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1799% | 2,780 |
| Assets per employee ($millions) | 4.0088% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1227% | 1,136 |
| Loan loss allowance to noncurrent loans | 71.6157% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.4281% | 2,286 |
| Noncurrent loans to loans | 2.9640% | 991 |
| Net loans and leases to total assets | 47.1593% | 5,248 |
| Net loans and leases to deposits | 51.9654% | 5,501 |
| Net loans and leases to core deposits | 54.4342% | 5,522 |
| Total domestic deposits to total assets | 90.7515% | 492 |
| Equity capital to assets | 9.1862% | 5,119 |
| Core capital (leverage) ratio | 8.9545% | 5,089 |
| Tier 1 risk-based capital ratio | 17.2119% | 2,532 |
| Total risk-based capital ratio | 18.4771% | 2,488 |
| Memoranda: | ||
| Average total assets | $17,150,000 | 6,590 |
| Average earning assets | $15,274,670 | 6,576 |
| Average equity | $1,416,670 | 6,612 |
| Average total loans | $7,590,000 | 6,521 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1505% | 6,063 |
| Cost of funding earning assets | 0.3151% | 4,917 |
| Net interest margin | 2.8355% | 5,870 |
| Noninterest income to average assets | 1.3554% | 630 |
| Noninterest expense to average assets | 2.5978% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1972% | 1,494 |
| Return on assets (ROA) | 1.1972% | 1,565 |
| Pretax return on assets | 1.1972% | 2,496 |
| Return on Equity (ROE) | 15.2683% | 739 |
| Retained earnings to average equity (ytd only) | 15.2683% | 309 |
| Net charge-offs to loans | -0.4786% | 6,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4524% | 4,100 |
| Assets per employee ($millions) | 4.1975% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1094% | 1,304 |
| Loan loss allowance to noncurrent loans | 139.6396% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.6611% | 4,141 |
| Noncurrent loans to loans | 1.5106% | 2,527 |
| Net loans and leases to total assets | 42.8410% | 5,603 |
| Net loans and leases to deposits | 46.9272% | 5,786 |
| Net loans and leases to core deposits | 48.7067% | 5,840 |
| Total domestic deposits to total assets | 91.2924% | 450 |
| Equity capital to assets | 8.5229% | 5,632 |
| Core capital (leverage) ratio | 8.7931% | 5,274 |
| Tier 1 risk-based capital ratio | 17.0574% | 2,665 |
| Total risk-based capital ratio | 18.3146% | 2,612 |
| Memoranda: | ||
| Average total assets | $17,707,500 | 6,655 |
| Average earning assets | $15,235,500 | 6,651 |
| Average equity | $1,388,500 | 6,677 |
| Average total loans | $7,522,000 | 6,589 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7499% | 6,521 |
| Cost of funding earning assets | 0.4305% | 4,315 |
| Net interest margin | 2.3195% | 6,509 |
| Noninterest income to average assets | 2.6280% | 262 |
| Noninterest expense to average assets | 2.9565% | 3,176 |
| Loan and lease loss provision to assets | 0.4106% | 727 |
| Net operating income to assets | 1.2543% | 1,381 |
| Return on assets (ROA) | 1.1849% | 1,692 |
| Pretax return on assets | 1.3023% | 2,141 |
| Return on Equity (ROE) | 16.9264% | 512 |
| Retained earnings to average equity (ytd only) | 16.9264% | 126 |
| Net charge-offs to loans | 0.4701% | 1,419 |
| Credit loss provision to net charge-offs | 212.1212% | 1,086 |
| Earnings coverage of net charge-offs (x) | 9.2424% | 2,532 |
| Efficiency ratio | 62.2991% | 5,159 |
| Assets per employee ($millions) | 4.6563% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8971% | 1,788 |
| Loan loss allowance to noncurrent loans | 118.6992% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 4,263 |
| Noncurrent loans to loans | 1.5982% | 2,508 |
| Net loans and leases to total assets | 40.5369% | 5,922 |
| Net loans and leases to deposits | 45.5780% | 6,041 |
| Net loans and leases to core deposits | 47.1728% | 6,082 |
| Total domestic deposits to total assets | 88.9396% | 1,671 |
| Equity capital to assets | 7.2268% | 6,390 |
| Core capital (leverage) ratio | 8.3824% | 5,801 |
| Tier 1 risk-based capital ratio | 14.9245% | 3,716 |
| Total risk-based capital ratio | 16.1784% | 3,658 |
| Memoranda: | ||
| Average total assets | $17,047,200 | 6,741 |
| Average earning assets | $15,564,000 | 6,726 |
| Average equity | $1,193,400 | 6,787 |
| Average total loans | $7,019,400 | 6,680 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6150% | 6,659 |
| Cost of funding earning assets | 0.4500% | 4,274 |
| Net interest margin | 2.1650% | 6,669 |
| Noninterest income to average assets | 0.1602% | 6,226 |
| Noninterest expense to average assets | 2.9704% | 3,076 |
| Loan and lease loss provision to assets | 0.0641% | 3,774 |
| Net operating income to assets | -0.8327% | 6,685 |
| Return on assets (ROA) | -0.8407% | 6,691 |
| Pretax return on assets | -0.8407% | 6,672 |
| Return on Equity (ROE) | -12.1186% | 6,711 |
| Retained earnings to average equity (ytd only) | -12.1186% | 6,674 |
| Net charge-offs to loans | 0.1752% | 2,822 |
| Credit loss provision to net charge-offs | 88.8889% | 2,657 |
| Earnings coverage of net charge-offs (x) | -10.6667% | 5,168 |
| Efficiency ratio | 134.9091% | 108 |
| Assets per employee ($millions) | 4.1715% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 3,318 |
| Loan loss allowance to noncurrent loans | 51.4286% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 1.6061% | 2,541 |
| Noncurrent loans to loans | 2.9825% | 1,356 |
| Net loans and leases to total assets | 41.5498% | 5,931 |
| Net loans and leases to deposits | 44.4338% | 6,188 |
| Net loans and leases to core deposits | 46.0879% | 6,206 |
| Total domestic deposits to total assets | 93.5095% | 93 |
| Equity capital to assets | 6.4066% | 6,654 |
| Core capital (leverage) ratio | 6.6808% | 6,641 |
| Tier 1 risk-based capital ratio | 10.0426% | 6,592 |
| Total risk-based capital ratio | 11.0007% | 6,632 |
| Memoranda: | ||
| Average total assets | $16,652,750 | 6,822 |
| Average earning assets | $15,703,750 | 6,801 |
| Average equity | $1,155,250 | 6,865 |
| Average total loans | $6,850,250 | 6,767 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5869% | 6,704 |
| Cost of funding earning assets | 0.4762% | 4,137 |
| Net interest margin | 2.1107% | 6,732 |
| Noninterest income to average assets | 0.1442% | 6,327 |
| Noninterest expense to average assets | 2.8603% | 3,475 |
| Loan and lease loss provision to assets | 0.0601% | 3,806 |
| Net operating income to assets | -0.8052% | 6,714 |
| Return on assets (ROA) | -0.8292% | 6,729 |
| Pretax return on assets | -0.8292% | 6,712 |
| Return on Equity (ROE) | -11.6554% | 6,765 |
| Retained earnings to average equity (ytd only) | -11.6554% | 6,702 |
| Net charge-offs to loans | 0.0884% | 3,483 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | -20.6667% | 4,883 |
| Efficiency ratio | 135.2273% | 108 |
| Assets per employee ($millions) | 4.4745% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7513% | 2,592 |
| Loan loss allowance to noncurrent loans | 41.7293% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 1.4862% | 2,876 |
| Noncurrent loans to loans | 4.1969% | 893 |
| Net loans and leases to total assets | 34.7916% | 6,373 |
| Net loans and leases to deposits | 37.0677% | 6,516 |
| Net loans and leases to core deposits | 38.3460% | 6,529 |
| Total domestic deposits to total assets | 93.8596% | 68 |
| Equity capital to assets | 6.0733% | 6,735 |
| Core capital (leverage) ratio | 6.9016% | 6,633 |
| Tier 1 risk-based capital ratio | 11.0711% | 6,302 |
| Total risk-based capital ratio | 12.1224% | 6,359 |
| Memoranda: | ||
| Average total assets | $16,641,670 | 6,871 |
| Average earning assets | $15,540,000 | 6,853 |
| Average equity | $1,184,000 | 6,912 |
| Average total loans | $6,786,670 | 6,814 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6685% | 6,747 |
| Cost of funding earning assets | 0.5391% | 3,682 |
| Net interest margin | 2.1294% | 6,798 |
| Noninterest income to average assets | 0.1998% | 6,045 |
| Noninterest expense to average assets | 3.0224% | 2,913 |
| Loan and lease loss provision to assets | 0.0500% | 3,786 |
| Net operating income to assets | -0.8992% | 6,784 |
| Return on assets (ROA) | -0.8992% | 6,797 |
| Pretax return on assets | -0.8992% | 6,777 |
| Return on Equity (ROE) | -11.6836% | 6,831 |
| Retained earnings to average equity (ytd only) | -11.6836% | 6,672 |
| Net charge-offs to loans | -0.1712% | 6,645 |
| Credit loss provision to net charge-offs | -66.6667% | 5,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.0805% | 112 |
| Assets per employee ($millions) | 4.0368% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 3,069 |
| Loan loss allowance to noncurrent loans | 40.2827% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 1.7526% | 2,665 |
| Noncurrent loans to loans | 4.1845% | 1,053 |
| Net loans and leases to total assets | 41.1779% | 5,903 |
| Net loans and leases to deposits | 44.6601% | 6,149 |
| Net loans and leases to core deposits | 46.4056% | 6,193 |
| Total domestic deposits to total assets | 92.2029% | 215 |
| Equity capital to assets | 7.5432% | 6,582 |
| Core capital (leverage) ratio | 6.9135% | 6,666 |
| Tier 1 risk-based capital ratio | 11.5524% | 6,151 |
| Total risk-based capital ratio | 12.6408% | 6,217 |
| Memoranda: | ||
| Average total assets | $16,013,500 | 6,952 |
| Average earning assets | $14,840,000 | 6,941 |
| Average equity | $1,232,500 | 6,978 |
| Average total loans | $7,011,000 | 6,876 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9038% | 6,816 |
| Cost of funding earning assets | 0.5855% | 4,484 |
| Net interest margin | 2.3183% | 6,832 |
| Noninterest income to average assets | 0.2205% | 5,862 |
| Noninterest expense to average assets | 2.7879% | 4,069 |
| Loan and lease loss provision to assets | 0.9331% | 468 |
| Net operating income to assets | -1.2837% | 6,818 |
| Return on assets (ROA) | -1.2837% | 6,827 |
| Pretax return on assets | -1.2837% | 6,798 |
| Return on Equity (ROE) | -16.8823% | 6,850 |
| Retained earnings to average equity (ytd only) | -16.8823% | 6,805 |
| Net charge-offs to loans | 2.0012% | 362 |
| Credit loss provision to net charge-offs | 97.0588% | 3,197 |
| Earnings coverage of net charge-offs (x) | -0.3647% | 5,635 |
| Efficiency ratio | 114.3852% | 271 |
| Assets per employee ($millions) | 3.9700% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 3,741 |
| Loan loss allowance to noncurrent loans | 43.4263% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 1.5806% | 3,019 |
| Noncurrent loans to loans | 3.4578% | 1,450 |
| Net loans and leases to total assets | 45.0252% | 5,724 |
| Net loans and leases to deposits | 48.9860% | 6,035 |
| Net loans and leases to core deposits | 50.9368% | 6,089 |
| Total domestic deposits to total assets | 91.9144% | 260 |
| Equity capital to assets | 7.8526% | 6,479 |
| Core capital (leverage) ratio | 7.5026% | 6,502 |
| Tier 1 risk-based capital ratio | 12.8136% | 5,245 |
| Total risk-based capital ratio | 13.9391% | 5,274 |
| Memoranda: | ||
| Average total assets | $17,683,600 | 6,992 |
| Average earning assets | $16,908,800 | 6,959 |
| Average equity | $1,344,600 | 7,040 |
| Average total loans | $8,495,000 | 6,900 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9141% | 6,928 |
| Cost of funding earning assets | 0.5858% | 4,783 |
| Net interest margin | 2.3282% | 6,932 |
| Noninterest income to average assets | 0.2132% | 6,015 |
| Noninterest expense to average assets | 2.4336% | 5,297 |
| Loan and lease loss provision to assets | 1.2131% | 297 |
| Net operating income to assets | -1.1837% | 6,904 |
| Return on assets (ROA) | -1.1837% | 6,926 |
| Pretax return on assets | -1.1837% | 6,909 |
| Return on Equity (ROE) | -15.6801% | 6,940 |
| Retained earnings to average equity (ytd only) | -15.6801% | 6,920 |
| Net charge-offs to loans | 0.3484% | 2,708 |
| Credit loss provision to net charge-offs | 717.3913% | 384 |
| Earnings coverage of net charge-offs (x) | 0.1738% | 5,244 |
| Efficiency ratio | 98.8060% | 572 |
| Assets per employee ($millions) | 4.2995% | 3,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4413% | 491 |
| Loan loss allowance to noncurrent loans | 14.3820% | 6,607 |
| Noncurrent assets plus other real estate owned to assets | 10.3500% | 226 |
| Noncurrent loans to loans | 23.9279% | 20 |
| Net loans and leases to total assets | 41.7665% | 6,147 |
| Net loans and leases to deposits | 45.3845% | 6,428 |
| Net loans and leases to core deposits | 47.0461% | 6,469 |
| Total domestic deposits to total assets | 92.0281% | 203 |
| Equity capital to assets | 7.6869% | 6,717 |
| Core capital (leverage) ratio | 7.3558% | 6,695 |
| Tier 1 risk-based capital ratio | 9.8928% | 6,819 |
| Total risk-based capital ratio | 11.2219% | 6,784 |
| Memoranda: | ||
| Average total assets | $18,134,500 | 7,079 |
| Average earning assets | $17,523,500 | 7,041 |
| Average equity | $1,369,000 | 7,132 |
| Average total loans | $8,804,000 | 6,984 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8966% | 7,014 |
| Cost of funding earning assets | 0.5993% | 4,908 |
| Net interest margin | 2.2973% | 7,009 |
| Noninterest income to average assets | 0.2494% | 5,795 |
| Noninterest expense to average assets | 3.1442% | 2,768 |
| Loan and lease loss provision to assets | 1.7889% | 183 |
| Net operating income to assets | -2.4395% | 7,119 |
| Return on assets (ROA) | -2.4395% | 7,123 |
| Pretax return on assets | -2.4395% | 7,111 |
| Return on Equity (ROE) | -32.4987% | 7,120 |
| Retained earnings to average equity (ytd only) | -32.4987% | 7,112 |
| Net charge-offs to loans | 0.3024% | 2,819 |
| Credit loss provision to net charge-offs | 1,178.5714% | 279 |
| Earnings coverage of net charge-offs (x) | -4.2857% | 5,438 |
| Efficiency ratio | 126.0870% | 187 |
| Assets per employee ($millions) | 4.6065% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1361% | 686 |
| Loan loss allowance to noncurrent loans | 30.7782% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 4.6727% | 1,040 |
| Noncurrent loans to loans | 10.1893% | 255 |
| Net loans and leases to total assets | 44.4209% | 5,974 |
| Net loans and leases to deposits | 48.0059% | 6,308 |
| Net loans and leases to core deposits | 49.6301% | 6,360 |
| Total domestic deposits to total assets | 92.5323% | 157 |
| Equity capital to assets | 6.7188% | 6,951 |
| Core capital (leverage) ratio | 6.7798% | 6,870 |
| Tier 1 risk-based capital ratio | 9.0603% | 6,977 |
| Total risk-based capital ratio | 10.3850% | 6,969 |
| Memoranda: | ||
| Average total assets | $18,446,670 | 7,134 |
| Average earning assets | $18,021,000 | 7,090 |
| Average equity | $1,384,670 | 7,186 |
| Average total loans | $9,259,000 | 7,026 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0849% | 7,010 |
| Cost of funding earning assets | 0.6436% | 4,789 |
| Net interest margin | 2.4413% | 6,988 |
| Noninterest income to average assets | 0.3468% | 5,087 |
| Noninterest expense to average assets | 2.8174% | 3,958 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0867% | 6,520 |
| Return on assets (ROA) | -0.0867% | 6,607 |
| Pretax return on assets | -0.0867% | 6,590 |
| Return on Equity (ROE) | -1.0974% | 6,634 |
| Retained earnings to average equity (ytd only) | -1.0974% | 6,169 |
| Net charge-offs to loans | 0.5795% | 1,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.2857% | 4,460 |
| Efficiency ratio | 103.1746% | 468 |
| Assets per employee ($millions) | 6.1890% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 5,543 |
| Loan loss allowance to noncurrent loans | 38.7597% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 1.3896% | 3,785 |
| Noncurrent loans to loans | 3.0681% | 2,092 |
| Net loans and leases to total assets | 44.7514% | 5,922 |
| Net loans and leases to deposits | 49.1250% | 6,210 |
| Net loans and leases to core deposits | 50.8040% | 6,288 |
| Total domestic deposits to total assets | 91.0971% | 512 |
| Equity capital to assets | 7.8526% | 6,611 |
| Core capital (leverage) ratio | 7.4896% | 6,641 |
| Tier 1 risk-based capital ratio | 10.1596% | 6,845 |
| Total risk-based capital ratio | 10.8564% | 6,943 |
| Memoranda: | ||
| Average total assets | $18,457,000 | 7,195 |
| Average earning assets | $18,023,000 | 7,148 |
| Average equity | $1,458,000 | 7,238 |
| Average total loans | $9,663,500 | 7,080 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8403% | 6,687 |
| Cost of funding earning assets | 0.9994% | 3,387 |
| Net interest margin | 2.8409% | 6,772 |
| Noninterest income to average assets | 0.6702% | 2,784 |
| Noninterest expense to average assets | 3.4047% | 2,225 |
| Loan and lease loss provision to assets | 2.3109% | 212 |
| Net operating income to assets | -2.8203% | 7,157 |
| Return on assets (ROA) | -2.8203% | 7,162 |
| Pretax return on assets | -2.8203% | 7,165 |
| Return on Equity (ROE) | -27.2229% | 7,070 |
| Retained earnings to average equity (ytd only) | -29.1378% | 7,076 |
| Net charge-offs to loans | 3.5792% | 205 |
| Credit loss provision to net charge-offs | 113.1234% | 2,914 |
| Earnings coverage of net charge-offs (x) | -0.2493% | 5,984 |
| Efficiency ratio | 117.5926% | 327 |
| Assets per employee ($millions) | 9.1735% | 304 |
| Cash dividends to net income (ytd only)* | -7.0342% | 7,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 6,018 |
| Loan loss allowance to noncurrent loans | 73.5484% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 4,934 |
| Noncurrent loans to loans | 1.4197% | 4,031 |
| Net loans and leases to total assets | 58.8870% | 4,212 |
| Net loans and leases to deposits | 64.9162% | 4,889 |
| Net loans and leases to core deposits | 69.3186% | 4,871 |
| Total domestic deposits to total assets | 90.7124% | 625 |
| Equity capital to assets | 7.9468% | 6,606 |
| Core capital (leverage) ratio | 7.6100% | 6,595 |
| Tier 1 risk-based capital ratio | 11.8672% | 5,921 |
| Total risk-based capital ratio | 12.7951% | 6,120 |
| Memoranda: | ||
| Average total assets | $18,650,600 | 7,230 |
| Average earning assets | $14,608,200 | 7,255 |
| Average equity | $1,932,200 | 7,217 |
| Average total loans | $10,644,800 | 7,094 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 4,988 |
| Cost of funding earning assets | 1.1313% | 2,766 |
| Net interest margin | 3.4420% | 5,421 |
| Noninterest income to average assets | 0.1424% | 6,537 |
| Noninterest expense to average assets | 1.8227% | 6,961 |
| Loan and lease loss provision to assets | 0.2563% | 3,455 |
| Net operating income to assets | 0.3845% | 5,064 |
| Return on assets (ROA) | 0.3845% | 5,253 |
| Pretax return on assets | 0.5981% | 4,818 |
| Return on Equity (ROE) | 3.5109% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.5109% | 4,242 |
| Net charge-offs to loans | -0.0126% | 6,813 |
| Credit loss provision to net charge-offs | -3,600.0000% | 6,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0851% | 4,296 |
| Assets per employee ($millions) | 4.9875% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 6,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 51.1980% | 5,553 |
| Net loans and leases to deposits | 57.6541% | 5,874 |
| Net loans and leases to core deposits | 57.6541% | 6,157 |
| Total domestic deposits to total assets | 88.8020% | 1,544 |
| Equity capital to assets | 10.3810% | 3,853 |
| Core capital (leverage) ratio | 10.4824% | 2,887 |
| Tier 1 risk-based capital ratio | 12.6458% | 5,371 |
| Total risk-based capital ratio | 13.2625% | 5,876 |
| Memoranda: | ||
| Average total assets | $18,726,500 | 7,305 |
| Average earning assets | $13,790,000 | 7,343 |
| Average equity | $2,050,750 | 7,274 |
| Average total loans | $10,576,500 | 7,167 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5374% | 5,233 |
| Cost of funding earning assets | 1.1705% | 2,774 |
| Net interest margin | 3.3669% | 5,657 |
| Noninterest income to average assets | 0.1528% | 6,557 |
| Noninterest expense to average assets | 1.8560% | 7,003 |
| Loan and lease loss provision to assets | 0.2620% | 3,303 |
| Net operating income to assets | 0.3930% | 4,977 |
| Return on assets (ROA) | 0.3930% | 5,123 |
| Pretax return on assets | 0.5786% | 4,815 |
| Return on Equity (ROE) | 3.5225% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.5225% | 4,008 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8259% | 4,363 |
| Assets per employee ($millions) | 4.6943% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8477% | 6,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 54.8171% | 5,177 |
| Net loans and leases to deposits | 62.1633% | 5,484 |
| Net loans and leases to core deposits | 62.1633% | 5,886 |
| Total domestic deposits to total assets | 88.1824% | 2,022 |
| Equity capital to assets | 10.9762% | 2,988 |
| Core capital (leverage) ratio | 10.6019% | 2,618 |
| Tier 1 risk-based capital ratio | 12.8507% | 5,043 |
| Total risk-based capital ratio | 13.3994% | 5,642 |
| Memoranda: | ||
| Average total assets | $18,318,670 | 7,385 |
| Average earning assets | $13,840,670 | 7,412 |
| Average equity | $2,044,000 | 7,337 |
| Average total loans | $10,663,670 | 7,234 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6507% | 4,743 |
| Cost of funding earning assets | 1.2631% | 2,403 |
| Net interest margin | 3.3875% | 5,474 |
| Noninterest income to average assets | 0.1548% | 6,610 |
| Noninterest expense to average assets | 1.8574% | 7,061 |
| Loan and lease loss provision to assets | 0.2211% | 3,448 |
| Net operating income to assets | 0.4865% | 4,544 |
| Return on assets (ROA) | 0.4865% | 4,626 |
| Pretax return on assets | 0.6855% | 4,357 |
| Return on Equity (ROE) | 4.3233% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.3233% | 3,578 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2000% | 4,814 |
| Assets per employee ($millions) | 4.7790% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7299% | 7,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 52.6522% | 5,505 |
| Net loans and leases to deposits | 59.5069% | 5,769 |
| Net loans and leases to core deposits | 59.5069% | 6,139 |
| Total domestic deposits to total assets | 88.4809% | 2,090 |
| Equity capital to assets | 10.7135% | 2,971 |
| Core capital (leverage) ratio | 10.2400% | 2,879 |
| Tier 1 risk-based capital ratio | 12.9875% | 4,837 |
| Total risk-based capital ratio | 13.4568% | 5,504 |
| Memoranda: | ||
| Average total assets | $18,089,500 | 7,441 |
| Average earning assets | $13,933,500 | 7,472 |
| Average equity | $2,035,500 | 7,389 |
| Average total loans | $10,805,000 | 7,287 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8810% | 5,108 |
| Cost of funding earning assets | 1.3956% | 3,301 |
| Net interest margin | 3.4854% | 5,305 |
| Noninterest income to average assets | 0.1298% | 6,747 |
| Noninterest expense to average assets | 2.1888% | 6,651 |
| Loan and lease loss provision to assets | 0.2655% | 4,674 |
| Net operating income to assets | 0.4366% | 4,378 |
| Return on assets (ROA) | 0.4366% | 4,533 |
| Pretax return on assets | 0.6077% | 4,295 |
| Return on Equity (ROE) | 3.6725% | 4,660 |
| Retained earnings to average equity (ytd only) | 1.8362% | 4,576 |
| Net charge-offs to loans | 0.0179% | 6,639 |
| Credit loss provision to net charge-offs | 2,250.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 326 |
| Efficiency ratio | 71.4836% | 3,893 |
| Assets per employee ($millions) | 4.2658% | 3,269 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5579% | 7,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 66.8523% | 3,257 |
| Net loans and leases to deposits | 76.8252% | 3,719 |
| Net loans and leases to core deposits | 76.8252% | 4,603 |
| Total domestic deposits to total assets | 87.0187% | 2,812 |
| Equity capital to assets | 11.8561% | 2,001 |
| Core capital (leverage) ratio | 11.5363% | 1,815 |
| Tier 1 risk-based capital ratio | 13.9000% | 3,927 |
| Total risk-based capital ratio | 14.3397% | 4,492 |
| Memoranda: | ||
| Average total assets | $16,949,800 | 7,535 |
| Average earning assets | $14,259,400 | 7,541 |
| Average equity | $2,015,000 | 7,500 |
| Average total loans | $11,152,600 | 7,342 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9513% | 5,034 |
| Cost of funding earning assets | 1.4120% | 3,507 |
| Net interest margin | 3.5393% | 5,143 |
| Noninterest income to average assets | 0.1340% | 6,884 |
| Noninterest expense to average assets | 2.1668% | 6,695 |
| Loan and lease loss provision to assets | 0.2600% | 4,504 |
| Net operating income to assets | 0.5279% | 4,191 |
| Return on assets (ROA) | 0.5279% | 4,367 |
| Pretax return on assets | 0.6697% | 4,351 |
| Return on Equity (ROE) | 4.4377% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.4377% | 3,377 |
| Net charge-offs to loans | 0.0241% | 6,339 |
| Credit loss provision to net charge-offs | 1,650.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 58.9251% | 493 |
| Efficiency ratio | 69.9746% | 4,072 |
| Assets per employee ($millions) | 4.3670% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4596% | 7,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 64.4722% | 4,025 |
| Net loans and leases to deposits | 73.9316% | 4,524 |
| Net loans and leases to core deposits | 73.9316% | 5,302 |
| Total domestic deposits to total assets | 87.2052% | 2,418 |
| Equity capital to assets | 11.7357% | 2,331 |
| Core capital (leverage) ratio | 11.7083% | 1,811 |
| Tier 1 risk-based capital ratio | 12.6286% | 4,868 |
| Total risk-based capital ratio | 12.9489% | 5,703 |
| Memoranda: | ||
| Average total assets | $16,921,500 | 7,631 |
| Average earning assets | $14,164,500 | 7,641 |
| Average equity | $2,013,000 | 7,596 |
| Average total loans | $11,073,000 | 7,441 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8291% | 5,686 |
| Cost of funding earning assets | 1.4445% | 3,594 |
| Net interest margin | 3.3846% | 5,697 |
| Noninterest income to average assets | 0.1673% | 6,708 |
| Noninterest expense to average assets | 2.2462% | 6,523 |
| Loan and lease loss provision to assets | 0.2390% | 4,524 |
| Net operating income to assets | 0.4660% | 4,483 |
| Return on assets (ROA) | 0.4660% | 4,642 |
| Pretax return on assets | 0.5377% | 4,788 |
| Return on Equity (ROE) | 3.8987% | 4,822 |
| Retained earnings to average equity (ytd only) | 3.8987% | 3,607 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3083% | 3,411 |
| Assets per employee ($millions) | 4.4265% | 3,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3569% | 7,627 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 64.6504% | 4,117 |
| Net loans and leases to deposits | 73.7755% | 4,712 |
| Net loans and leases to core deposits | 73.7755% | 5,472 |
| Total domestic deposits to total assets | 87.6313% | 2,192 |
| Equity capital to assets | 11.4086% | 2,513 |
| Core capital (leverage) ratio | 11.8538% | 1,730 |
| Tier 1 risk-based capital ratio | 12.2165% | 5,111 |
| Total risk-based capital ratio | 12.4645% | 6,008 |
| Memoranda: | ||
| Average total assets | $16,739,330 | 7,700 |
| Average earning assets | $14,122,670 | 7,703 |
| Average equity | $2,000,670 | 7,660 |
| Average total loans | $10,992,670 | 7,503 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 5,575 |
| Cost of funding earning assets | 1.5006% | 3,551 |
| Net interest margin | 3.3763% | 5,684 |
| Noninterest income to average assets | 0.1969% | 6,551 |
| Noninterest expense to average assets | 2.3622% | 6,205 |
| Loan and lease loss provision to assets | 0.1969% | 4,530 |
| Net operating income to assets | 0.4921% | 4,430 |
| Return on assets (ROA) | 0.4921% | 4,565 |
| Pretax return on assets | 0.5167% | 4,907 |
| Return on Equity (ROE) | 4.0181% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.0181% | 3,742 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8000% | 3,095 |
| Assets per employee ($millions) | 4.2425% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2712% | 7,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 62.8521% | 4,571 |
| Net loans and leases to deposits | 72.0384% | 5,040 |
| Net loans and leases to core deposits | 72.0384% | 5,709 |
| Total domestic deposits to total assets | 87.2481% | 2,503 |
| Equity capital to assets | 11.8091% | 2,158 |
| Core capital (leverage) ratio | 12.2847% | 1,500 |
| Tier 1 risk-based capital ratio | 12.6443% | 4,606 |
| Total risk-based capital ratio | 12.8273% | 5,573 |
| Memoranda: | ||
| Average total assets | $16,256,000 | 7,807 |
| Average earning assets | $13,861,500 | 7,810 |
| Average equity | $1,991,000 | 7,750 |
| Average total loans | $10,745,000 | 7,614 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1162% | 6,020 |
| Cost of funding earning assets | 1.8656% | 3,647 |
| Net interest margin | 3.2505% | 5,931 |
| Noninterest income to average assets | 0.1221% | 7,145 |
| Noninterest expense to average assets | 2.1363% | 7,110 |
| Loan and lease loss provision to assets | 0.0732% | 6,853 |
| Net operating income to assets | 0.5737% | 3,431 |
| Return on assets (ROA) | 0.5737% | 3,503 |
| Pretax return on assets | 0.6775% | 3,658 |
| Return on Equity (ROE) | 4.8121% | 3,753 |
| Retained earnings to average equity (ytd only) | 2.9180% | 3,127 |
| Net charge-offs to loans | 1.5165% | 1,654 |
| Credit loss provision to net charge-offs | 7.7419% | 6,982 |
| Earnings coverage of net charge-offs (x) | 0.7935% | 5,312 |
| Efficiency ratio | 73.9958% | 3,893 |
| Assets per employee ($millions) | 3.8855% | 4,059 |
| Cash dividends to net income (ytd only)* | 39.3617% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1945% | 7,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 69.3218% | 3,412 |
| Net loans and leases to deposits | 80.1995% | 3,954 |
| Net loans and leases to core deposits | 117.9420% | 2,137 |
| Total domestic deposits to total assets | 86.4368% | 2,798 |
| Equity capital to assets | 12.7268% | 1,627 |
| Core capital (leverage) ratio | 12.2099% | 1,573 |
| Tier 1 risk-based capital ratio | 13.5749% | 3,778 |
| Total risk-based capital ratio | 13.7190% | 4,494 |
| Memoranda: | ||
| Average total assets | $16,383,600 | 7,870 |
| Average earning assets | $13,936,200 | 7,873 |
| Average equity | $1,953,400 | 7,848 |
| Average total loans | $10,220,600 | 7,700 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1212% | 6,197 |
| Cost of funding earning assets | 1.9682% | 3,529 |
| Net interest margin | 3.1530% | 6,164 |
| Noninterest income to average assets | 0.2571% | 6,395 |
| Noninterest expense to average assets | 1.9766% | 7,423 |
| Loan and lease loss provision to assets | 0.0723% | 6,632 |
| Net operating income to assets | 0.8115% | 2,763 |
| Return on assets (ROA) | 0.8115% | 2,828 |
| Pretax return on assets | 0.8597% | 3,358 |
| Return on Equity (ROE) | 6.9154% | 3,111 |
| Retained earnings to average equity (ytd only) | 6.9154% | 1,539 |
| Net charge-offs to loans | 0.0529% | 6,180 |
| Credit loss provision to net charge-offs | 225.0000% | 1,940 |
| Earnings coverage of net charge-offs (x) | 29.0169% | 951 |
| Efficiency ratio | 67.9558% | 4,985 |
| Assets per employee ($millions) | 3.9755% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6180% | 2,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 64.6208% | 4,730 |
| Net loans and leases to deposits | 74.7345% | 5,259 |
| Net loans and leases to core deposits | 110.3997% | 3,192 |
| Total domestic deposits to total assets | 86.4671% | 2,444 |
| Equity capital to assets | 12.7028% | 1,830 |
| Core capital (leverage) ratio | 12.1687% | 1,723 |
| Tier 1 risk-based capital ratio | 13.6155% | 3,770 |
| Total risk-based capital ratio | 14.7547% | 3,781 |
| Memoranda: | ||
| Average total assets | $16,594,000 | 7,944 |
| Average earning assets | $13,954,750 | 7,952 |
| Average equity | $1,947,250 | 7,929 |
| Average total loans | $10,077,000 | 7,780 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1086% | 6,399 |
| Cost of funding earning assets | 2.0918% | 3,310 |
| Net interest margin | 3.0168% | 6,498 |
| Noninterest income to average assets | 0.3091% | 6,038 |
| Noninterest expense to average assets | 1.9852% | 7,486 |
| Loan and lease loss provision to assets | 0.0713% | 6,482 |
| Net operating income to assets | 0.7132% | 3,198 |
| Return on assets (ROA) | 0.7132% | 3,302 |
| Pretax return on assets | 0.7727% | 3,768 |
| Return on Equity (ROE) | 6.2402% | 3,539 |
| Retained earnings to average equity (ytd only) | 6.2402% | 1,911 |
| Net charge-offs to loans | 0.0804% | 5,405 |
| Credit loss provision to net charge-offs | 150.0000% | 3,068 |
| Earnings coverage of net charge-offs (x) | 17.7500% | 1,456 |
| Efficiency ratio | 70.1681% | 4,744 |
| Assets per employee ($millions) | 4.2168% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7369% | 2,221 |
| Loan loss allowance to noncurrent loans | 301.8182% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3261% | 6,651 |
| Noncurrent loans to loans | 0.5755% | 6,110 |
| Net loans and leases to total assets | 55.6768% | 6,245 |
| Net loans and leases to deposits | 63.7067% | 6,591 |
| Net loans and leases to core deposits | 92.0145% | 5,351 |
| Total domestic deposits to total assets | 87.3955% | 2,055 |
| Equity capital to assets | 11.6618% | 2,413 |
| Core capital (leverage) ratio | 11.5706% | 2,051 |
| Tier 1 risk-based capital ratio | 12.7355% | 4,326 |
| Total risk-based capital ratio | 13.8103% | 4,396 |
| Memoranda: | ||
| Average total assets | $16,824,670 | 8,018 |
| Average earning assets | $14,054,670 | 8,038 |
| Average equity | $1,923,000 | 8,019 |
| Average total loans | $9,954,330 | 7,865 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1858% | 6,350 |
| Cost of funding earning assets | 2.1562% | 3,385 |
| Net interest margin | 3.0296% | 6,403 |
| Noninterest income to average assets | 0.2380% | 6,550 |
| Noninterest expense to average assets | 1.9996% | 7,352 |
| Loan and lease loss provision to assets | 0.0714% | 6,069 |
| Net operating income to assets | 0.8332% | 2,980 |
| Return on assets (ROA) | 0.8332% | 3,126 |
| Pretax return on assets | 0.8094% | 4,047 |
| Return on Equity (ROE) | 7.3645% | 3,442 |
| Retained earnings to average equity (ytd only) | 7.3645% | 2,073 |
| Net charge-offs to loans | 0.1576% | 3,702 |
| Credit loss provision to net charge-offs | 75.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 2,081 |
| Efficiency ratio | 69.4215% | 4,695 |
| Assets per employee ($millions) | 4.3173% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6505% | 2,314 |
| Loan loss allowance to noncurrent loans | 187.3563% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 5,958 |
| Noncurrent loans to loans | 0.8809% | 5,248 |
| Net loans and leases to total assets | 56.2453% | 6,204 |
| Net loans and leases to deposits | 64.4226% | 6,512 |
| Net loans and leases to core deposits | 89.8686% | 5,567 |
| Total domestic deposits to total assets | 87.3067% | 2,065 |
| Equity capital to assets | 11.1356% | 2,865 |
| Core capital (leverage) ratio | 10.9886% | 2,506 |
| Tier 1 risk-based capital ratio | 12.0240% | 4,944 |
| Total risk-based capital ratio | 13.0432% | 5,051 |
| Memoranda: | ||
| Average total assets | $16,803,500 | 8,068 |
| Average earning assets | $14,655,500 | 8,070 |
| Average equity | $1,901,000 | 8,072 |
| Average total loans | $10,153,000 | 7,903 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6602% | 6,901 |
| Cost of funding earning assets | 2.6410% | 3,480 |
| Net interest margin | 3.0192% | 6,858 |
| Noninterest income to average assets | 0.1311% | 7,455 |
| Noninterest expense to average assets | 1.9908% | 7,455 |
| Loan and lease loss provision to assets | 0.0715% | 6,500 |
| Net operating income to assets | 0.4809% | 4,824 |
| Return on assets (ROA) | 0.5305% | 4,469 |
| Pretax return on assets | 0.9060% | 3,701 |
| Return on Equity (ROE) | 4.6827% | 4,522 |
| Retained earnings to average equity (ytd only) | 2.7886% | 3,446 |
| Net charge-offs to loans | 0.0102% | 6,786 |
| Credit loss provision to net charge-offs | 1,200.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 151.0000% | 303 |
| Efficiency ratio | 53.4021% | 7,338 |
| Assets per employee ($millions) | 4.0845% | 3,335 |
| Cash dividends to net income (ytd only)* | 40.4494% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 2,354 |
| Loan loss allowance to noncurrent loans | 186.3636% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 5,558 |
| Noncurrent loans to loans | 0.8437% | 4,943 |
| Net loans and leases to total assets | 62.8351% | 5,487 |
| Net loans and leases to deposits | 72.9586% | 5,952 |
| Net loans and leases to core deposits | 104.0965% | 4,385 |
| Total domestic deposits to total assets | 86.1244% | 2,344 |
| Equity capital to assets | 11.5008% | 2,637 |
| Core capital (leverage) ratio | 11.5545% | 2,218 |
| Tier 1 risk-based capital ratio | 12.6040% | 4,365 |
| Total risk-based capital ratio | 13.7041% | 4,371 |
| Memoranda: | ||
| Average total assets | $16,777,000 | 8,108 |
| Average earning assets | $15,335,200 | 8,094 |
| Average equity | $1,900,600 | 8,141 |
| Average total loans | $9,774,600 | 7,954 |