Home > Huntingdon Savings Bank > Performance and Condition Ratios
Huntingdon Savings 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 | 4.9517% | 2,173 |
| Cost of funding earning assets | 1.6484% | 1,574 |
| Net interest margin | 3.3033% | 2,626 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 2.4283% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5128% | 3,643 |
| Return on assets (ROA) | 0.5128% | 3,637 |
| Pretax return on assets | 0.7291% | 3,376 |
| Return on Equity (ROE) | 2.1300% | 4,141 |
| Retained earnings to average equity (ytd only) | 2.1321% | 3,552 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.9080% | 1,173 |
| Assets per employee ($millions) | 8.3450% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6523% | 4,182 |
| Loan loss allowance to noncurrent loans | 54.3353% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.0365% | 468 |
| Noncurrent loans to loans | 1.2006% | 592 |
| Net loans and leases to total assets | 85.7800% | 173 |
| Net loans and leases to deposits | 112.8488% | 145 |
| Net loans and leases to core deposits | 115.3865% | 768 |
| Total domestic deposits to total assets | 76.0100% | 3,939 |
| Equity capital to assets | 23.5231% | 214 |
| Core capital (leverage) ratio | 23.8634% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.1924% | 114 |
| Memoranda: | ||
| Average total assets | $16,184,200 | 4,533 |
| Average earning assets | $15,287,600 | 4,496 |
| Average equity | $3,892,800 | 4,363 |
| Average total loans | $14,334,600 | 4,361 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9556% | 1,935 |
| Cost of funding earning assets | 1.5404% | 1,506 |
| Net interest margin | 3.4152% | 2,417 |
| Noninterest income to average assets | 0.0400% | 4,484 |
| Noninterest expense to average assets | 2.5159% | 2,182 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5563% | 3,650 |
| Return on assets (ROA) | 0.5563% | 3,636 |
| Pretax return on assets | 0.7473% | 3,457 |
| Return on Equity (ROE) | 2.3000% | 4,168 |
| Retained earnings to average equity (ytd only) | 2.2997% | 3,665 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.0992% | 1,084 |
| Assets per employee ($millions) | 8.1035% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6640% | 4,190 |
| Loan loss allowance to noncurrent loans | 54.3353% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 465 |
| Noncurrent loans to loans | 1.2221% | 638 |
| Net loans and leases to total assets | 86.7600% | 129 |
| Net loans and leases to deposits | 114.6421% | 126 |
| Net loans and leases to core deposits | 117.4476% | 623 |
| Total domestic deposits to total assets | 75.6800% | 4,040 |
| Equity capital to assets | 24.1315% | 206 |
| Core capital (leverage) ratio | 24.1390% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.2888% | 110 |
| Memoranda: | ||
| Average total assets | $16,057,750 | 4,560 |
| Average earning assets | $15,147,500 | 4,526 |
| Average equity | $3,884,500 | 4,375 |
| Average total loans | $14,315,750 | 4,384 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9555% | 1,637 |
| Cost of funding earning assets | 1.4083% | 1,428 |
| Net interest margin | 3.5472% | 2,158 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 2.3988% | 2,491 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7246% | 3,283 |
| Return on assets (ROA) | 0.7246% | 3,286 |
| Pretax return on assets | 0.9745% | 2,983 |
| Return on Equity (ROE) | 2.9900% | 4,156 |
| Retained earnings to average equity (ytd only) | 2.9930% | 3,480 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.1111% | 1,653 |
| Assets per employee ($millions) | 8.1440% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6592% | 4,235 |
| Loan loss allowance to noncurrent loans | 31.9728% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.8050% | 165 |
| Noncurrent loans to loans | 2.0617% | 261 |
| Net loans and leases to total assets | 86.9700% | 119 |
| Net loans and leases to deposits | 114.7695% | 139 |
| Net loans and leases to core deposits | 117.5407% | 587 |
| Total domestic deposits to total assets | 75.7800% | 4,067 |
| Equity capital to assets | 23.9501% | 205 |
| Core capital (leverage) ratio | 24.0996% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.5350% | 108 |
| Memoranda: | ||
| Average total assets | $16,008,000 | 4,589 |
| Average earning assets | $15,054,000 | 4,555 |
| Average equity | $3,875,667 | 4,399 |
| Average total loans | $14,369,000 | 4,401 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1455% | 1,029 |
| Cost of funding earning assets | 1.2392% | 1,362 |
| Net interest margin | 3.9063% | 1,468 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 2.2435% | 2,974 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0083% | 2,505 |
| Return on assets (ROA) | 1.0083% | 2,470 |
| Pretax return on assets | 1.4369% | 1,798 |
| Return on Equity (ROE) | 4.1400% | 4,015 |
| Retained earnings to average equity (ytd only) | 4.1419% | 3,230 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.9589% | 2,832 |
| Assets per employee ($millions) | 7.9535% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6346% | 4,324 |
| Loan loss allowance to noncurrent loans | 376.0000% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 2,405 |
| Noncurrent loans to loans | 0.1688% | 2,645 |
| Net loans and leases to total assets | 92.5300% | 12 |
| Net loans and leases to deposits | 123.0602% | 67 |
| Net loans and leases to core deposits | 126.1183% | 324 |
| Total domestic deposits to total assets | 75.1900% | 4,207 |
| Equity capital to assets | 24.4106% | 160 |
| Core capital (leverage) ratio | 24.4368% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.5453% | 110 |
| Memoranda: | ||
| Average total assets | $15,868,000 | 4,652 |
| Average earning assets | $14,848,000 | 4,625 |
| Average equity | $3,863,000 | 4,464 |
| Average total loans | $14,423,500 | 4,463 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 1,058 |
| Cost of funding earning assets | 0.7514% | 470 |
| Net interest margin | 3.5461% | 1,793 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 2.2726% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7762% | 3,409 |
| Return on assets (ROA) | 0.7762% | 3,345 |
| Pretax return on assets | 1.1052% | 2,758 |
| Return on Equity (ROE) | 3.3200% | 4,261 |
| Retained earnings to average equity (ytd only) | 3.3213% | 3,619 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.2794% | 2,050 |
| Assets per employee ($millions) | 7.9115% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6698% | 4,254 |
| Loan loss allowance to noncurrent loans | 56.6265% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.0491% | 407 |
| Noncurrent loans to loans | 1.1828% | 597 |
| Net loans and leases to total assets | 88.1100% | 67 |
| Net loans and leases to deposits | 116.7490% | 86 |
| Net loans and leases to core deposits | 119.6755% | 376 |
| Total domestic deposits to total assets | 75.4700% | 4,285 |
| Equity capital to assets | 24.2242% | 160 |
| Core capital (leverage) ratio | 23.9997% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.0957% | 105 |
| Memoranda: | ||
| Average total assets | $16,105,000 | 4,684 |
| Average earning assets | $15,171,400 | 4,656 |
| Average equity | $3,763,600 | 4,551 |
| Average total loans | $13,172,200 | 4,511 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1055% | 1,056 |
| Cost of funding earning assets | 0.7148% | 245 |
| Net interest margin | 3.3908% | 2,002 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 2.3327% | 2,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6347% | 3,736 |
| Return on assets (ROA) | 0.6347% | 3,690 |
| Pretax return on assets | 0.9149% | 3,274 |
| Return on Equity (ROE) | 2.7400% | 4,332 |
| Retained earnings to average equity (ytd only) | 2.7404% | 3,851 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.8274% | 1,537 |
| Assets per employee ($millions) | 8.0935% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6890% | 4,270 |
| Loan loss allowance to noncurrent loans | 41.2281% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.4085% | 255 |
| Noncurrent loans to loans | 1.6712% | 397 |
| Net loans and leases to total assets | 83.7000% | 270 |
| Net loans and leases to deposits | 109.6464% | 128 |
| Net loans and leases to core deposits | 112.4212% | 403 |
| Total domestic deposits to total assets | 76.3400% | 4,354 |
| Equity capital to assets | 23.3953% | 156 |
| Core capital (leverage) ratio | 23.2803% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.6165% | 113 |
| Memoranda: | ||
| Average total assets | $16,175,500 | 4,719 |
| Average earning assets | $15,296,000 | 4,688 |
| Average equity | $3,746,250 | 4,593 |
| Average total loans | $12,956,500 | 4,542 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 988 |
| Cost of funding earning assets | 0.7049% | 156 |
| Net interest margin | 3.2633% | 2,018 |
| Noninterest income to average assets | 0.0371% | 4,671 |
| Noninterest expense to average assets | 2.2632% | 2,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6060% | 3,613 |
| Return on assets (ROA) | 0.6060% | 3,559 |
| Pretax return on assets | 0.8657% | 3,159 |
| Return on Equity (ROE) | 2.6255% | 4,269 |
| Retained earnings to average equity (ytd only) | 2.6255% | 3,569 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3320% | 1,706 |
| Assets per employee ($millions) | 8.1750% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6964% | 4,338 |
| Loan loss allowance to noncurrent loans | 40.8696% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.4067% | 263 |
| Noncurrent loans to loans | 1.7040% | 413 |
| Net loans and leases to total assets | 81.9817% | 287 |
| Net loans and leases to deposits | 106.7112% | 125 |
| Net loans and leases to core deposits | 109.3490% | 362 |
| Total domestic deposits to total assets | 76.8257% | 4,421 |
| Equity capital to assets | 22.9786% | 116 |
| Core capital (leverage) ratio | 22.9828% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.2960% | 76 |
| Memoranda: | ||
| Average total assets | $16,171,667 | 4,754 |
| Average earning assets | $15,322,000 | 4,738 |
| Average equity | $3,732,667 | 4,635 |
| Average total loans | $12,727,667 | 4,609 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 1,179 |
| Cost of funding earning assets | 0.7079% | 144 |
| Net interest margin | 3.0415% | 2,357 |
| Noninterest income to average assets | 0.0497% | 4,659 |
| Noninterest expense to average assets | 2.1141% | 3,101 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5721% | 3,490 |
| Return on assets (ROA) | 0.5721% | 3,467 |
| Pretax return on assets | 0.8208% | 3,044 |
| Return on Equity (ROE) | 2.4728% | 4,189 |
| Retained earnings to average equity (ytd only) | 2.4728% | 3,415 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0339% | 1,969 |
| Assets per employee ($millions) | 8.0820% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 4,294 |
| Loan loss allowance to noncurrent loans | 40.6926% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.4291% | 262 |
| Noncurrent loans to loans | 1.8761% | 401 |
| Net loans and leases to total assets | 75.5939% | 532 |
| Net loans and leases to deposits | 98.5880% | 211 |
| Net loans and leases to core deposits | 101.0419% | 477 |
| Total domestic deposits to total assets | 76.6766% | 4,477 |
| Equity capital to assets | 23.0883% | 108 |
| Core capital (leverage) ratio | 23.2625% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.5564% | 69 |
| Memoranda: | ||
| Average total assets | $16,082,500 | 4,780 |
| Average earning assets | $15,255,500 | 4,764 |
| Average equity | $3,720,500 | 4,675 |
| Average total loans | $12,342,500 | 4,646 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9207% | 1,560 |
| Cost of funding earning assets | 0.8345% | 167 |
| Net interest margin | 3.0862% | 2,952 |
| Noninterest income to average assets | 0.0438% | 4,737 |
| Noninterest expense to average assets | 2.2653% | 2,902 |
| Loan and lease loss provision to assets | 0.0375% | 2,291 |
| Net operating income to assets | 0.4881% | 4,118 |
| Return on assets (ROA) | 0.4881% | 4,160 |
| Pretax return on assets | 0.6571% | 4,018 |
| Return on Equity (ROE) | 2.1289% | 4,489 |
| Retained earnings to average equity (ytd only) | 2.1289% | 3,952 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5328% | 1,063 |
| Assets per employee ($millions) | 7.9980% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 4,327 |
| Loan loss allowance to noncurrent loans | 40.5172% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.4504% | 298 |
| Noncurrent loans to loans | 1.8752% | 428 |
| Net loans and leases to total assets | 76.7567% | 459 |
| Net loans and leases to deposits | 100.1060% | 196 |
| Net loans and leases to core deposits | 102.6503% | 446 |
| Total domestic deposits to total assets | 76.6754% | 4,481 |
| Equity capital to assets | 23.1683% | 113 |
| Core capital (leverage) ratio | 22.9630% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.1172% | 84 |
| Memoranda: | ||
| Average total assets | $15,980,400 | 4,826 |
| Average earning assets | $15,099,400 | 4,808 |
| Average equity | $3,663,800 | 4,728 |
| Average total loans | $12,403,200 | 4,690 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9173% | 1,713 |
| Cost of funding earning assets | 0.8577% | 190 |
| Net interest margin | 3.0596% | 3,149 |
| Noninterest income to average assets | 0.0501% | 4,804 |
| Noninterest expense to average assets | 2.3451% | 2,610 |
| Loan and lease loss provision to assets | 0.0438% | 2,119 |
| Net operating income to assets | 0.3839% | 4,395 |
| Return on assets (ROA) | 0.3839% | 4,429 |
| Pretax return on assets | 0.5508% | 4,298 |
| Return on Equity (ROE) | 1.6788% | 4,632 |
| Retained earnings to average equity (ytd only) | 1.6788% | 4,279 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8295% | 758 |
| Assets per employee ($millions) | 8.0955% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7591% | 4,410 |
| Loan loss allowance to noncurrent loans | 39.5745% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.4514% | 349 |
| Noncurrent loans to loans | 1.9181% | 471 |
| Net loans and leases to total assets | 75.0973% | 608 |
| Net loans and leases to deposits | 97.3499% | 295 |
| Net loans and leases to core deposits | 99.8932% | 591 |
| Total domestic deposits to total assets | 77.1416% | 4,485 |
| Equity capital to assets | 22.6916% | 124 |
| Core capital (leverage) ratio | 22.8043% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.2587% | 78 |
| Memoranda: | ||
| Average total assets | $15,976,500 | 4,899 |
| Average earning assets | $15,078,000 | 4,881 |
| Average equity | $3,653,250 | 4,799 |
| Average total loans | $12,411,000 | 4,765 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 1,622 |
| Cost of funding earning assets | 0.8752% | 204 |
| Net interest margin | 3.1029% | 3,027 |
| Noninterest income to average assets | 0.0503% | 4,843 |
| Noninterest expense to average assets | 2.2257% | 2,995 |
| Loan and lease loss provision to assets | 0.0377% | 2,237 |
| Net operating income to assets | 0.4527% | 4,298 |
| Return on assets (ROA) | 0.4527% | 4,340 |
| Pretax return on assets | 0.7293% | 4,008 |
| Return on Equity (ROE) | 1.9746% | 4,598 |
| Retained earnings to average equity (ytd only) | 1.9746% | 4,118 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3697% | 1,218 |
| Assets per employee ($millions) | 8.0400% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 4,489 |
| Loan loss allowance to noncurrent loans | 44.1748% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.2811% | 505 |
| Noncurrent loans to loans | 1.6448% | 654 |
| Net loans and leases to total assets | 77.3197% | 488 |
| Net loans and leases to deposits | 100.5255% | 239 |
| Net loans and leases to core deposits | 103.1613% | 558 |
| Total domestic deposits to total assets | 76.9154% | 4,518 |
| Equity capital to assets | 22.7861% | 115 |
| Core capital (leverage) ratio | 22.8486% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.8325% | 78 |
| Memoranda: | ||
| Average total assets | $15,905,000 | 4,935 |
| Average earning assets | $15,082,667 | 4,918 |
| Average equity | $3,646,333 | 4,833 |
| Average total loans | $12,464,000 | 4,798 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0594% | 1,489 |
| Cost of funding earning assets | 0.8813% | 244 |
| Net interest margin | 3.1781% | 2,762 |
| Noninterest income to average assets | 0.0506% | 4,852 |
| Noninterest expense to average assets | 2.2507% | 2,943 |
| Loan and lease loss provision to assets | 0.0506% | 2,087 |
| Net operating income to assets | 0.4552% | 4,257 |
| Return on assets (ROA) | 0.4552% | 4,295 |
| Pretax return on assets | 0.7587% | 3,890 |
| Return on Equity (ROE) | 1.9794% | 4,602 |
| Retained earnings to average equity (ytd only) | 1.9794% | 4,012 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5537% | 1,346 |
| Assets per employee ($millions) | 7.9750% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7209% | 4,540 |
| 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 | 77.7116% | 484 |
| Net loans and leases to deposits | 101.0187% | 258 |
| Net loans and leases to core deposits | 103.6718% | 584 |
| Total domestic deposits to total assets | 76.9279% | 4,520 |
| Equity capital to assets | 22.8652% | 115 |
| Core capital (leverage) ratio | 23.1233% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.5093% | 75 |
| Memoranda: | ||
| Average total assets | $15,817,500 | 4,962 |
| Average earning assets | $14,977,500 | 4,944 |
| Average equity | $3,637,500 | 4,857 |
| Average total loans | $12,434,000 | 4,822 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 1,922 |
| Cost of funding earning assets | 1.1238% | 366 |
| Net interest margin | 3.1583% | 3,471 |
| Noninterest income to average assets | 0.0491% | 4,863 |
| Noninterest expense to average assets | 2.3487% | 3,277 |
| Loan and lease loss provision to assets | 0.0307% | 4,014 |
| Net operating income to assets | 0.4661% | 4,104 |
| Return on assets (ROA) | 0.4661% | 4,185 |
| Pretax return on assets | 0.6684% | 3,950 |
| Return on Equity (ROE) | 2.1217% | 4,545 |
| Retained earnings to average equity (ytd only) | 2.1217% | 3,774 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0624% | 1,118 |
| Assets per employee ($millions) | 7.8400% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7107% | 4,573 |
| Loan loss allowance to noncurrent loans | 42.1053% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.3329% | 596 |
| Noncurrent loans to loans | 1.6878% | 766 |
| Net loans and leases to total assets | 78.4120% | 564 |
| Net loans and leases to deposits | 102.1095% | 309 |
| Net loans and leases to core deposits | 104.8346% | 694 |
| Total domestic deposits to total assets | 76.7921% | 4,437 |
| Equity capital to assets | 23.0995% | 116 |
| Core capital (leverage) ratio | 22.6871% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.0316% | 77 |
| Memoranda: | ||
| Average total assets | $16,306,800 | 4,979 |
| Average earning assets | $15,482,800 | 4,965 |
| Average equity | $3,582,000 | 4,873 |
| Average total loans | $13,095,400 | 4,839 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 2,018 |
| Cost of funding earning assets | 1.1589% | 422 |
| Net interest margin | 3.1700% | 3,566 |
| Noninterest income to average assets | 0.0486% | 4,894 |
| Noninterest expense to average assets | 2.4134% | 3,093 |
| Loan and lease loss provision to assets | 0.0304% | 3,952 |
| Net operating income to assets | 0.4292% | 4,207 |
| Return on assets (ROA) | 0.4292% | 4,271 |
| Pretax return on assets | 0.6155% | 4,078 |
| Return on Equity (ROE) | 1.9783% | 4,552 |
| Retained earnings to average equity (ytd only) | 1.9783% | 3,942 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8360% | 961 |
| Assets per employee ($millions) | 8.4295% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6775% | 4,611 |
| Loan loss allowance to noncurrent loans | 39.5455% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.3049% | 718 |
| Noncurrent loans to loans | 1.7133% | 796 |
| Net loans and leases to total assets | 75.6510% | 1,139 |
| Net loans and leases to deposits | 96.3803% | 736 |
| Net loans and leases to core deposits | 104.0124% | 922 |
| Total domestic deposits to total assets | 78.4922% | 4,128 |
| Equity capital to assets | 21.3536% | 164 |
| Core capital (leverage) ratio | 21.6685% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.1835% | 90 |
| Memoranda: | ||
| Average total assets | $16,463,500 | 5,008 |
| Average earning assets | $15,646,500 | 4,992 |
| Average equity | $3,572,000 | 4,899 |
| Average total loans | $13,273,500 | 4,868 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3629% | 2,306 |
| Cost of funding earning assets | 1.1875% | 524 |
| Net interest margin | 3.1754% | 3,732 |
| Noninterest income to average assets | 0.0490% | 4,916 |
| Noninterest expense to average assets | 2.4860% | 3,000 |
| Loan and lease loss provision to assets | 0.0245% | 3,945 |
| Net operating income to assets | 0.3919% | 4,246 |
| Return on assets (ROA) | 0.3919% | 4,308 |
| Pretax return on assets | 0.5511% | 4,156 |
| Return on Equity (ROE) | 1.7964% | 4,565 |
| Retained earnings to average equity (ytd only) | 1.7964% | 3,834 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2000% | 804 |
| Assets per employee ($millions) | 8.2370% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6350% | 4,694 |
| Loan loss allowance to noncurrent loans | 38.4615% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.3415% | 752 |
| Noncurrent loans to loans | 1.6511% | 885 |
| Net loans and leases to total assets | 80.7333% | 514 |
| Net loans and leases to deposits | 103.3010% | 400 |
| Net loans and leases to core deposits | 111.6802% | 682 |
| Total domestic deposits to total assets | 78.1535% | 4,171 |
| Equity capital to assets | 21.7191% | 155 |
| Core capital (leverage) ratio | 21.8304% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.6643% | 93 |
| Memoranda: | ||
| Average total assets | $16,331,667 | 5,039 |
| Average earning assets | $15,494,333 | 5,026 |
| Average equity | $3,562,667 | 4,931 |
| Average total loans | $13,417,667 | 4,895 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 2,492 |
| Cost of funding earning assets | 1.2188% | 721 |
| Net interest margin | 3.2156% | 3,818 |
| Noninterest income to average assets | 0.0492% | 4,978 |
| Noninterest expense to average assets | 2.5091% | 3,246 |
| Loan and lease loss provision to assets | 0.0246% | 3,490 |
| Net operating income to assets | 0.3936% | 4,150 |
| Return on assets (ROA) | 0.3936% | 4,184 |
| Pretax return on assets | 0.5658% | 3,991 |
| Return on Equity (ROE) | 1.8003% | 4,485 |
| Retained earnings to average equity (ytd only) | 1.8003% | 3,512 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 1,048 |
| Assets per employee ($millions) | 8.1490% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6208% | 4,733 |
| Loan loss allowance to noncurrent loans | 32.5581% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.5830% | 655 |
| Noncurrent loans to loans | 1.9067% | 771 |
| Net loans and leases to total assets | 82.5071% | 395 |
| Net loans and leases to deposits | 105.8236% | 300 |
| Net loans and leases to core deposits | 114.4718% | 649 |
| Total domestic deposits to total assets | 77.9666% | 4,225 |
| Equity capital to assets | 21.8677% | 177 |
| Core capital (leverage) ratio | 21.9364% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.2539% | 104 |
| Memoranda: | ||
| Average total assets | $16,260,500 | 5,088 |
| Average earning assets | $15,425,000 | 5,073 |
| Average equity | $3,555,000 | 4,977 |
| Average total loans | $13,434,000 | 4,937 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4130% | 3,210 |
| Cost of funding earning assets | 1.2105% | 1,006 |
| Net interest margin | 3.2025% | 4,181 |
| Noninterest income to average assets | 0.0487% | 5,037 |
| Noninterest expense to average assets | 2.2143% | 4,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6144% | 4,114 |
| Return on assets (ROA) | 0.6144% | 4,179 |
| Pretax return on assets | 0.8760% | 3,810 |
| Return on Equity (ROE) | 2.8978% | 4,679 |
| Retained earnings to average equity (ytd only) | 2.8978% | 3,580 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6535% | 1,917 |
| Assets per employee ($millions) | 8.1110% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6223% | 4,704 |
| Loan loss allowance to noncurrent loans | 25.8567% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.9788% | 397 |
| Noncurrent loans to loans | 2.4068% | 468 |
| Net loans and leases to total assets | 81.7039% | 587 |
| Net loans and leases to deposits | 104.7333% | 348 |
| Net loans and leases to core deposits | 113.2821% | 700 |
| Total domestic deposits to total assets | 78.0113% | 4,357 |
| Equity capital to assets | 21.8161% | 188 |
| Core capital (leverage) ratio | 21.5176% | 183 |
| Tier 1 risk-based capital ratio | 46.0927% | 168 |
| Total risk-based capital ratio | 47.1737% | 169 |
| Memoranda: | ||
| Average total assets | $16,438,800 | 5,144 |
| Average earning assets | $15,612,800 | 5,131 |
| Average equity | $3,485,400 | 5,038 |
| Average total loans | $12,902,800 | 5,008 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 3,435 |
| Cost of funding earning assets | 1.1999% | 1,041 |
| Net interest margin | 3.1742% | 4,357 |
| Noninterest income to average assets | 0.0485% | 5,116 |
| Noninterest expense to average assets | 2.3363% | 3,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5174% | 4,477 |
| Return on assets (ROA) | 0.5174% | 4,526 |
| Pretax return on assets | 0.7276% | 4,284 |
| Return on Equity (ROE) | 2.4577% | 4,847 |
| Retained earnings to average equity (ytd only) | 2.4577% | 4,114 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2533% | 1,304 |
| Assets per employee ($millions) | 8.3010% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6429% | 4,746 |
| Loan loss allowance to noncurrent loans | 26.7742% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.8672% | 511 |
| Noncurrent loans to loans | 2.4012% | 500 |
| Net loans and leases to total assets | 77.2618% | 1,269 |
| Net loans and leases to deposits | 98.1408% | 806 |
| Net loans and leases to core deposits | 106.1750% | 1,170 |
| Total domestic deposits to total assets | 78.7255% | 4,229 |
| Equity capital to assets | 21.0938% | 216 |
| Core capital (leverage) ratio | 21.1244% | 200 |
| Tier 1 risk-based capital ratio | 45.4098% | 174 |
| Total risk-based capital ratio | 46.4860% | 174 |
| Memoranda: | ||
| Average total assets | $16,493,000 | 5,221 |
| Average earning assets | $15,667,750 | 5,209 |
| Average equity | $3,472,000 | 5,111 |
| Average total loans | $12,794,250 | 5,094 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 3,367 |
| Cost of funding earning assets | 1.1769% | 1,059 |
| Net interest margin | 3.2109% | 4,343 |
| Noninterest income to average assets | 0.0486% | 5,170 |
| Noninterest expense to average assets | 2.3334% | 3,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5104% | 4,507 |
| Return on assets (ROA) | 0.5104% | 4,540 |
| Pretax return on assets | 0.7656% | 4,182 |
| Return on Equity (ROE) | 2.4263% | 4,885 |
| Retained earnings to average equity (ytd only) | 2.4263% | 3,973 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2941% | 1,483 |
| Assets per employee ($millions) | 8.1745% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6522% | 4,793 |
| Loan loss allowance to noncurrent loans | 30.0725% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.6882% | 625 |
| Noncurrent loans to loans | 2.1686% | 626 |
| Net loans and leases to total assets | 77.3381% | 1,338 |
| Net loans and leases to deposits | 98.4582% | 802 |
| Net loans and leases to core deposits | 106.6194% | 1,204 |
| Total domestic deposits to total assets | 78.5491% | 4,308 |
| Equity capital to assets | 21.2979% | 197 |
| Core capital (leverage) ratio | 21.1325% | 188 |
| Tier 1 risk-based capital ratio | 46.5633% | 160 |
| Total risk-based capital ratio | 47.6732% | 159 |
| Memoranda: | ||
| Average total assets | $16,456,670 | 5,269 |
| Average earning assets | $15,634,330 | 5,256 |
| Average equity | $3,462,000 | 5,152 |
| Average total loans | $12,755,670 | 5,141 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3847% | 3,285 |
| Cost of funding earning assets | 1.1472% | 1,053 |
| Net interest margin | 3.2375% | 4,312 |
| Noninterest income to average assets | 0.0485% | 5,217 |
| Noninterest expense to average assets | 2.2047% | 4,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6299% | 4,146 |
| Return on assets (ROA) | 0.6299% | 4,188 |
| Pretax return on assets | 0.9206% | 3,698 |
| Return on Equity (ROE) | 3.0127% | 4,783 |
| Retained earnings to average equity (ytd only) | 3.0127% | 3,731 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5426% | 2,258 |
| Assets per employee ($millions) | 8.2705% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6529% | 4,848 |
| Loan loss allowance to noncurrent loans | 50.6098% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 0.9915% | 1,410 |
| Noncurrent loans to loans | 1.2901% | 1,272 |
| Net loans and leases to total assets | 76.3497% | 1,422 |
| Net loans and leases to deposits | 96.8407% | 899 |
| Net loans and leases to core deposits | 104.6834% | 1,264 |
| Total domestic deposits to total assets | 78.8405% | 4,378 |
| Equity capital to assets | 20.9479% | 199 |
| Core capital (leverage) ratio | 21.0613% | 196 |
| Tier 1 risk-based capital ratio | 46.4851% | 159 |
| Total risk-based capital ratio | 47.5986% | 159 |
| Memoranda: | ||
| Average total assets | $16,510,500 | 5,326 |
| Average earning assets | $15,691,000 | 5,312 |
| Average equity | $3,452,000 | 5,203 |
| Average total loans | $12,770,000 | 5,197 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 3,797 |
| Cost of funding earning assets | 1.0432% | 628 |
| Net interest margin | 3.0380% | 4,753 |
| Noninterest income to average assets | 0.0463% | 5,279 |
| Noninterest expense to average assets | 2.0847% | 4,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5965% | 4,429 |
| Return on assets (ROA) | 0.5965% | 4,438 |
| Pretax return on assets | 0.8455% | 4,050 |
| Return on Equity (ROE) | 3.0482% | 4,889 |
| Retained earnings to average equity (ytd only) | 3.0482% | 3,872 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1462% | 2,024 |
| Assets per employee ($millions) | 8.2375% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6470% | 4,900 |
| Loan loss allowance to noncurrent loans | 29.9639% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.6813% | 641 |
| Noncurrent loans to loans | 2.1593% | 602 |
| Net loans and leases to total assets | 77.3596% | 1,383 |
| Net loans and leases to deposits | 97.9480% | 908 |
| Net loans and leases to core deposits | 105.8467% | 1,281 |
| Total domestic deposits to total assets | 78.9803% | 4,316 |
| Equity capital to assets | 20.8255% | 199 |
| Core capital (leverage) ratio | 21.0246% | 193 |
| Tier 1 risk-based capital ratio | 45.6554% | 170 |
| Total risk-based capital ratio | 46.7598% | 166 |
| Memoranda: | ||
| Average total assets | $17,268,800 | 5,363 |
| Average earning assets | $16,392,400 | 5,349 |
| Average equity | $3,379,000 | 5,247 |
| Average total loans | $12,572,600 | 5,240 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0469% | 3,797 |
| Cost of funding earning assets | 1.0138% | 560 |
| Net interest margin | 3.0331% | 4,803 |
| Noninterest income to average assets | 0.0458% | 5,350 |
| Noninterest expense to average assets | 2.0991% | 4,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5877% | 4,534 |
| Return on assets (ROA) | 0.5877% | 4,543 |
| Pretax return on assets | 0.8243% | 4,231 |
| Return on Equity (ROE) | 3.0499% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.0499% | 4,214 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8016% | 1,917 |
| Assets per employee ($millions) | 8.0500% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6556% | 4,960 |
| Loan loss allowance to noncurrent loans | 40.8867% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.2609% | 1,098 |
| Noncurrent loans to loans | 1.6035% | 987 |
| Net loans and leases to total assets | 78.1180% | 1,327 |
| Net loans and leases to deposits | 99.2817% | 842 |
| Net loans and leases to core deposits | 107.8183% | 1,181 |
| Total domestic deposits to total assets | 78.6832% | 4,384 |
| Equity capital to assets | 21.1429% | 188 |
| Core capital (leverage) ratio | 19.9660% | 234 |
| Tier 1 risk-based capital ratio | 46.2563% | 168 |
| Total risk-based capital ratio | 47.3842% | 164 |
| Memoranda: | ||
| Average total assets | $17,467,250 | 5,433 |
| Average earning assets | $16,572,000 | 5,419 |
| Average equity | $3,366,000 | 5,318 |
| Average total loans | $12,508,750 | 5,307 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9645% | 3,889 |
| Cost of funding earning assets | 0.9764% | 523 |
| Net interest margin | 2.9881% | 4,892 |
| Noninterest income to average assets | 0.0446% | 5,416 |
| Noninterest expense to average assets | 2.0755% | 4,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5803% | 4,564 |
| Return on assets (ROA) | 0.5803% | 4,557 |
| Pretax return on assets | 0.8034% | 4,232 |
| Return on Equity (ROE) | 3.1014% | 5,007 |
| Retained earnings to average equity (ytd only) | 3.1014% | 4,010 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0930% | 1,992 |
| Assets per employee ($millions) | 9.0020% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6623% | 5,009 |
| Loan loss allowance to noncurrent loans | 40.6863% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.1331% | 1,295 |
| Noncurrent loans to loans | 1.6278% | 992 |
| Net loans and leases to total assets | 69.1457% | 2,699 |
| Net loans and leases to deposits | 85.2321% | 2,407 |
| Net loans and leases to core deposits | 91.4762% | 2,441 |
| Total domestic deposits to total assets | 81.1264% | 3,961 |
| Equity capital to assets | 18.7681% | 278 |
| Core capital (leverage) ratio | 18.7837% | 279 |
| Tier 1 risk-based capital ratio | 44.7431% | 175 |
| Total risk-based capital ratio | 45.8422% | 175 |
| Memoranda: | ||
| Average total assets | $17,923,000 | 5,492 |
| Average earning assets | $17,000,670 | 5,480 |
| Average equity | $3,353,330 | 5,379 |
| Average total loans | $12,458,330 | 5,367 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8904% | 3,957 |
| Cost of funding earning assets | 0.9667% | 434 |
| Net interest margin | 2.9237% | 4,990 |
| Noninterest income to average assets | 0.0447% | 5,483 |
| Noninterest expense to average assets | 1.9908% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6039% | 4,416 |
| Return on assets (ROA) | 0.6039% | 4,422 |
| Pretax return on assets | 0.8276% | 4,088 |
| Return on Equity (ROE) | 3.2330% | 4,968 |
| Retained earnings to average equity (ytd only) | 3.2330% | 3,916 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6349% | 2,396 |
| Assets per employee ($millions) | 8.9230% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6667% | 5,086 |
| Loan loss allowance to noncurrent loans | 83.0000% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 2,649 |
| Noncurrent loans to loans | 0.8033% | 2,202 |
| Net loans and leases to total assets | 69.2928% | 2,591 |
| Net loans and leases to deposits | 85.5956% | 2,218 |
| Net loans and leases to core deposits | 91.8995% | 2,310 |
| Total domestic deposits to total assets | 80.9537% | 4,220 |
| Equity capital to assets | 18.7941% | 261 |
| Core capital (leverage) ratio | 18.7826% | 265 |
| Tier 1 risk-based capital ratio | 45.0322% | 172 |
| Total risk-based capital ratio | 46.1466% | 171 |
| Memoranda: | ||
| Average total assets | $17,882,500 | 5,557 |
| Average earning assets | $16,965,000 | 5,542 |
| Average equity | $3,340,500 | 5,435 |
| Average total loans | $12,421,500 | 5,433 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8986% | 3,729 |
| Cost of funding earning assets | 0.9688% | 258 |
| Net interest margin | 2.9298% | 5,004 |
| Noninterest income to average assets | 0.0429% | 5,550 |
| Noninterest expense to average assets | 1.8250% | 5,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6012% | 4,003 |
| Return on assets (ROA) | 0.6012% | 4,044 |
| Pretax return on assets | 0.9125% | 3,872 |
| Return on Equity (ROE) | 3.4268% | 4,709 |
| Retained earnings to average equity (ytd only) | 3.4268% | 3,234 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 3,138 |
| Assets per employee ($millions) | 8.9630% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6697% | 5,125 |
| Loan loss allowance to noncurrent loans | 43.4555% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.0655% | 1,432 |
| Noncurrent loans to loans | 1.5411% | 1,098 |
| Net loans and leases to total assets | 68.6768% | 2,731 |
| Net loans and leases to deposits | 84.5826% | 2,427 |
| Net loans and leases to core deposits | 90.7222% | 2,485 |
| Total domestic deposits to total assets | 81.1949% | 4,073 |
| Equity capital to assets | 18.5764% | 274 |
| Core capital (leverage) ratio | 18.4518% | 268 |
| Tier 1 risk-based capital ratio | 24.5467% | 766 |
| Total risk-based capital ratio | 25.1585% | 803 |
| Memoranda: | ||
| Average total assets | $18,630,600 | 5,614 |
| Average earning assets | $17,134,200 | 5,601 |
| Average equity | $3,268,400 | 5,502 |
| Average total loans | $12,301,200 | 5,500 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 3,896 |
| Cost of funding earning assets | 0.9618% | 234 |
| Net interest margin | 2.8698% | 5,132 |
| Noninterest income to average assets | 0.0425% | 5,626 |
| Noninterest expense to average assets | 1.8858% | 5,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5033% | 4,722 |
| Return on assets (ROA) | 0.5033% | 4,754 |
| Pretax return on assets | 0.7798% | 4,402 |
| Return on Equity (ROE) | 2.9099% | 5,130 |
| Retained earnings to average equity (ytd only) | 2.9099% | 4,172 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7447% | 2,411 |
| Assets per employee ($millions) | 9.2770% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6832% | 5,173 |
| Loan loss allowance to noncurrent loans | 37.2197% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 1.2019% | 1,373 |
| Noncurrent loans to loans | 1.8357% | 965 |
| Net loans and leases to total assets | 65.0264% | 3,242 |
| Net loans and leases to deposits | 79.2395% | 3,041 |
| Net loans and leases to core deposits | 84.6845% | 3,072 |
| Total domestic deposits to total assets | 82.0632% | 3,759 |
| Equity capital to assets | 17.7212% | 357 |
| Core capital (leverage) ratio | 17.5099% | 340 |
| Tier 1 risk-based capital ratio | 24.3718% | 813 |
| Total risk-based capital ratio | 24.9870% | 856 |
| Memoranda: | ||
| Average total assets | $18,806,750 | 5,678 |
| Average earning assets | $17,190,000 | 5,664 |
| Average equity | $3,253,000 | 5,566 |
| Average total loans | $12,278,000 | 5,562 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8731% | 3,647 |
| Cost of funding earning assets | 0.9770% | 194 |
| Net interest margin | 2.8961% | 5,104 |
| Noninterest income to average assets | 0.0423% | 5,665 |
| Noninterest expense to average assets | 1.9268% | 5,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4976% | 4,712 |
| Return on assets (ROA) | 0.4976% | 4,748 |
| Pretax return on assets | 0.7517% | 4,427 |
| Return on Equity (ROE) | 2.9000% | 5,151 |
| Retained earnings to average equity (ytd only) | 2.9000% | 3,985 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9368% | 2,347 |
| Assets per employee ($millions) | 9.4465% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6737% | 5,258 |
| Loan loss allowance to noncurrent loans | 80.5825% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 2,946 |
| Noncurrent loans to loans | 0.8360% | 2,313 |
| Net loans and leases to total assets | 64.7700% | 3,282 |
| Net loans and leases to deposits | 78.5128% | 3,066 |
| Net loans and leases to core deposits | 83.9588% | 3,074 |
| Total domestic deposits to total assets | 82.4962% | 3,727 |
| Equity capital to assets | 17.2815% | 384 |
| Core capital (leverage) ratio | 17.4403% | 332 |
| Tier 1 risk-based capital ratio | 23.8478% | 865 |
| Total risk-based capital ratio | 24.4540% | 916 |
| Memoranda: | ||
| Average total assets | $18,891,000 | 5,726 |
| Average earning assets | $17,195,670 | 5,713 |
| Average equity | $3,241,330 | 5,614 |
| Average total loans | $12,321,330 | 5,609 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9157% | 3,343 |
| Cost of funding earning assets | 0.9848% | 179 |
| Net interest margin | 2.9309% | 5,023 |
| Noninterest income to average assets | 0.0424% | 5,740 |
| Noninterest expense to average assets | 1.8211% | 5,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5717% | 4,272 |
| Return on assets (ROA) | 0.5717% | 4,319 |
| Pretax return on assets | 0.8682% | 3,874 |
| Return on Equity (ROE) | 3.3442% | 5,006 |
| Retained earnings to average equity (ytd only) | 3.3442% | 3,763 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7165% | 3,248 |
| Assets per employee ($millions) | 9.4905% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6697% | 5,366 |
| Loan loss allowance to noncurrent loans | 79.8077% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5479% | 3,041 |
| Noncurrent loans to loans | 0.8391% | 2,357 |
| Net loans and leases to total assets | 64.8596% | 3,137 |
| Net loans and leases to deposits | 78.3890% | 2,933 |
| Net loans and leases to core deposits | 100.1627% | 1,497 |
| Total domestic deposits to total assets | 82.7406% | 3,934 |
| Equity capital to assets | 17.0908% | 378 |
| Core capital (leverage) ratio | 17.1893% | 351 |
| Tier 1 risk-based capital ratio | 24.4426% | 826 |
| Total risk-based capital ratio | 25.0678% | 868 |
| Memoranda: | ||
| Average total assets | $18,890,000 | 5,795 |
| Average earning assets | $17,059,500 | 5,784 |
| Average equity | $3,229,500 | 5,677 |
| Average total loans | $12,322,000 | 5,671 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3013% | 2,135 |
| Cost of funding earning assets | 1.1518% | 67 |
| Net interest margin | 3.1495% | 4,585 |
| Noninterest income to average assets | 0.0521% | 5,762 |
| Noninterest expense to average assets | 1.9290% | 5,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6256% | 4,104 |
| Return on assets (ROA) | 0.6256% | 4,219 |
| Pretax return on assets | 0.9268% | 3,747 |
| Return on Equity (ROE) | 3.4184% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.4184% | 3,494 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5456% | 3,337 |
| Assets per employee ($millions) | 9.3995% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6776% | 5,401 |
| Loan loss allowance to noncurrent loans | 26.5176% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.6650% | 940 |
| Noncurrent loans to loans | 2.5551% | 608 |
| Net loans and leases to total assets | 64.7215% | 3,255 |
| Net loans and leases to deposits | 78.1891% | 3,080 |
| Net loans and leases to core deposits | 101.0129% | 1,533 |
| Total domestic deposits to total assets | 82.7757% | 3,833 |
| Equity capital to assets | 17.1020% | 376 |
| Core capital (leverage) ratio | 17.3577% | 328 |
| Tier 1 risk-based capital ratio | 24.4041% | 829 |
| Total risk-based capital ratio | 25.0342% | 873 |
| Memoranda: | ||
| Average total assets | $17,263,200 | 5,862 |
| Average earning assets | $15,367,600 | 5,859 |
| Average equity | $3,159,400 | 5,740 |
| Average total loans | $12,638,800 | 5,719 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 1,792 |
| Cost of funding earning assets | 1.1671% | 62 |
| Net interest margin | 3.2536% | 4,335 |
| Noninterest income to average assets | 0.0553% | 5,824 |
| Noninterest expense to average assets | 2.1012% | 5,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5845% | 4,352 |
| Return on assets (ROA) | 0.5845% | 4,469 |
| Pretax return on assets | 0.8610% | 4,117 |
| Return on Equity (ROE) | 3.1365% | 5,186 |
| Retained earnings to average equity (ytd only) | 3.1365% | 4,036 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9333% | 2,755 |
| Assets per employee ($millions) | 9.0125% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6748% | 5,477 |
| Loan loss allowance to noncurrent loans | 41.9192% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 1.0985% | 1,853 |
| Noncurrent loans to loans | 1.6098% | 1,336 |
| Net loans and leases to total assets | 67.7781% | 2,824 |
| Net loans and leases to deposits | 82.4693% | 2,675 |
| Net loans and leases to core deposits | 90.3157% | 2,549 |
| Total domestic deposits to total assets | 82.1859% | 3,886 |
| Equity capital to assets | 17.6366% | 377 |
| Core capital (leverage) ratio | 18.2596% | 283 |
| Tier 1 risk-based capital ratio | 23.5866% | 937 |
| Total risk-based capital ratio | 24.2024% | 996 |
| Memoranda: | ||
| Average total assets | $16,879,250 | 5,933 |
| Average earning assets | $15,080,250 | 5,924 |
| Average equity | $3,145,500 | 5,804 |
| Average total loans | $12,736,000 | 5,776 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 1,522 |
| Cost of funding earning assets | 1.1674% | 62 |
| Net interest margin | 3.3297% | 4,119 |
| Noninterest income to average assets | 0.0485% | 5,917 |
| Noninterest expense to average assets | 2.1579% | 4,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6304% | 4,143 |
| Return on assets (ROA) | 0.6304% | 4,279 |
| Pretax return on assets | 0.9335% | 3,822 |
| Return on Equity (ROE) | 3.3181% | 5,158 |
| Retained earnings to average equity (ytd only) | 3.3181% | 3,792 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8039% | 3,010 |
| Assets per employee ($millions) | 8.1995% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6669% | 5,580 |
| Loan loss allowance to noncurrent loans | 74.7748% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 0.6769% | 2,966 |
| Noncurrent loans to loans | 0.8919% | 2,502 |
| Net loans and leases to total assets | 75.3826% | 1,581 |
| Net loans and leases to deposits | 93.6231% | 1,321 |
| Net loans and leases to core deposits | 103.6646% | 1,345 |
| Total domestic deposits to total assets | 80.5171% | 4,406 |
| Equity capital to assets | 19.2573% | 246 |
| Core capital (leverage) ratio | 19.1777% | 223 |
| Tier 1 risk-based capital ratio | 44.1123% | 185 |
| Total risk-based capital ratio | 45.2717% | 182 |
| Memoranda: | ||
| Average total assets | $16,497,330 | 6,015 |
| Average earning assets | $15,076,330 | 6,003 |
| Average equity | $3,134,330 | 5,875 |
| Average total loans | $12,881,330 | 5,843 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4324% | 1,703 |
| Cost of funding earning assets | 1.1472% | 70 |
| Net interest margin | 3.2852% | 4,282 |
| Noninterest income to average assets | 0.0483% | 5,971 |
| Noninterest expense to average assets | 1.9581% | 5,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7736% | 3,382 |
| Return on assets (ROA) | 0.7736% | 3,484 |
| Pretax return on assets | 1.1362% | 2,953 |
| Return on Equity (ROE) | 4.0993% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.0993% | 3,441 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2813% | 4,262 |
| Assets per employee ($millions) | 8.2950% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6359% | 5,694 |
| Loan loss allowance to noncurrent loans | 74.7748% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6691% | 3,051 |
| Noncurrent loans to loans | 0.8504% | 2,722 |
| Net loans and leases to total assets | 78.1736% | 1,081 |
| Net loans and leases to deposits | 96.6610% | 878 |
| Net loans and leases to core deposits | 106.7847% | 1,029 |
| Total domestic deposits to total assets | 80.8740% | 4,532 |
| Equity capital to assets | 18.9150% | 260 |
| Core capital (leverage) ratio | 19.0413% | 232 |
| Tier 1 risk-based capital ratio | 18.8208% | 1,772 |
| Total risk-based capital ratio | 19.3187% | 1,928 |
| Memoranda: | ||
| Average total assets | $16,546,500 | 6,076 |
| Average earning assets | $15,341,500 | 6,057 |
| Average equity | $3,122,500 | 5,932 |
| Average total loans | $13,099,500 | 5,895 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3632% | 2,015 |
| Cost of funding earning assets | 1.2379% | 48 |
| Net interest margin | 3.1253% | 4,844 |
| Noninterest income to average assets | 0.0616% | 5,975 |
| Noninterest expense to average assets | 1.9038% | 5,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5853% | 4,355 |
| Return on assets (ROA) | 0.5853% | 4,447 |
| Pretax return on assets | 1.0043% | 3,459 |
| Return on Equity (ROE) | 3.1269% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.1269% | 3,834 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4661% | 3,990 |
| Assets per employee ($millions) | 8.2470% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6313% | 5,750 |
| Loan loss allowance to noncurrent loans | 40.4878% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 1.2429% | 1,727 |
| Noncurrent loans to loans | 1.5593% | 1,475 |
| Net loans and leases to total assets | 79.2046% | 961 |
| Net loans and leases to deposits | 97.9090% | 825 |
| Net loans and leases to core deposits | 108.1636% | 957 |
| Total domestic deposits to total assets | 80.8961% | 4,510 |
| Equity capital to assets | 18.7098% | 264 |
| Core capital (leverage) ratio | 18.7019% | 252 |
| Tier 1 risk-based capital ratio | 18.6162% | 1,800 |
| Total risk-based capital ratio | 19.1168% | 1,956 |
| Memoranda: | ||
| Average total assets | $16,230,800 | 6,140 |
| Average earning assets | $14,782,800 | 6,128 |
| Average equity | $3,038,200 | 5,998 |
| Average total loans | $12,152,400 | 5,970 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3564% | 2,057 |
| Cost of funding earning assets | 1.2421% | 50 |
| Net interest margin | 3.1144% | 4,925 |
| Noninterest income to average assets | 0.0577% | 6,072 |
| Noninterest expense to average assets | 1.9136% | 5,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5526% | 4,581 |
| Return on assets (ROA) | 0.5526% | 4,679 |
| Pretax return on assets | 0.9568% | 3,791 |
| Return on Equity (ROE) | 2.9518% | 5,404 |
| Retained earnings to average equity (ytd only) | 2.9518% | 4,347 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 3,770 |
| Assets per employee ($millions) | 8.2215% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6744% | 5,782 |
| Loan loss allowance to noncurrent loans | 30.2920% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 1.6664% | 1,306 |
| Noncurrent loans to loans | 2.2262% | 981 |
| Net loans and leases to total assets | 74.3477% | 1,670 |
| Net loans and leases to deposits | 91.7862% | 1,434 |
| Net loans and leases to core deposits | 101.6717% | 1,401 |
| Total domestic deposits to total assets | 81.0010% | 4,477 |
| Equity capital to assets | 18.5976% | 299 |
| Core capital (leverage) ratio | 18.7665% | 258 |
| Tier 1 risk-based capital ratio | 18.5042% | 1,895 |
| Total risk-based capital ratio | 19.0064% | 2,067 |
| Memoranda: | ||
| Average total assets | $16,165,000 | 6,226 |
| Average earning assets | $14,598,750 | 6,212 |
| Average equity | $3,026,250 | 6,084 |
| Average total loans | $11,903,750 | 6,053 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 1,914 |
| Cost of funding earning assets | 1.2480% | 50 |
| Net interest margin | 3.1338% | 4,870 |
| Noninterest income to average assets | 0.0622% | 6,134 |
| Noninterest expense to average assets | 1.9537% | 5,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5475% | 4,567 |
| Return on assets (ROA) | 0.5475% | 4,677 |
| Pretax return on assets | 0.9208% | 3,879 |
| Return on Equity (ROE) | 2.9181% | 5,427 |
| Retained earnings to average equity (ytd only) | 2.9181% | 4,180 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9654% | 3,673 |
| Assets per employee ($millions) | 8.1020% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7086% | 5,799 |
| Loan loss allowance to noncurrent loans | 27.6667% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 1.8514% | 1,239 |
| Noncurrent loans to loans | 2.5610% | 862 |
| Net loans and leases to total assets | 71.7786% | 2,023 |
| Net loans and leases to deposits | 88.6171% | 1,761 |
| Net loans and leases to core deposits | 98.2597% | 1,630 |
| Total domestic deposits to total assets | 80.9985% | 4,618 |
| Equity capital to assets | 18.7299% | 279 |
| Core capital (leverage) ratio | 18.8346% | 244 |
| Tier 1 risk-based capital ratio | 18.6345% | 1,887 |
| Total risk-based capital ratio | 19.1441% | 2,055 |
| Memoranda: | ||
| Average total assets | $16,072,330 | 6,301 |
| Average earning assets | $14,423,330 | 6,288 |
| Average equity | $3,015,670 | 6,145 |
| Average total loans | $11,769,000 | 6,124 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 1,670 |
| Cost of funding earning assets | 1.2172% | 56 |
| Net interest margin | 3.2089% | 4,579 |
| Noninterest income to average assets | 0.0750% | 6,163 |
| Noninterest expense to average assets | 1.7743% | 5,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7997% | 3,263 |
| Return on assets (ROA) | 0.7997% | 3,389 |
| Pretax return on assets | 1.1995% | 2,669 |
| Return on Equity (ROE) | 4.2582% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.2582% | 3,462 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6639% | 5,138 |
| Assets per employee ($millions) | 8.0380% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7057% | 5,897 |
| Loan loss allowance to noncurrent loans | 118.5714% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 4,295 |
| Noncurrent loans to loans | 0.5952% | 3,794 |
| Net loans and leases to total assets | 72.6424% | 1,709 |
| Net loans and leases to deposits | 89.6928% | 1,424 |
| Net loans and leases to core deposits | 99.4804% | 1,357 |
| Total domestic deposits to total assets | 80.9903% | 4,826 |
| Equity capital to assets | 18.7982% | 272 |
| Core capital (leverage) ratio | 18.8745% | 244 |
| Tier 1 risk-based capital ratio | 18.7017% | 1,945 |
| Total risk-based capital ratio | 19.2153% | 2,101 |
| Memoranda: | ||
| Average total assets | $16,006,500 | 6,370 |
| Average earning assets | $14,460,000 | 6,351 |
| Average equity | $3,006,000 | 6,208 |
| Average total loans | $11,796,500 | 6,177 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3211% | 2,524 |
| Cost of funding earning assets | 1.4199% | 36 |
| Net interest margin | 2.9012% | 5,642 |
| Noninterest income to average assets | 0.0694% | 6,243 |
| Noninterest expense to average assets | 2.0456% | 5,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5240% | 4,710 |
| Return on assets (ROA) | 0.5240% | 4,799 |
| Pretax return on assets | 0.7071% | 4,597 |
| Return on Equity (ROE) | 2.8174% | 5,536 |
| Retained earnings to average equity (ytd only) | 2.8174% | 4,237 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3119% | 2,786 |
| Assets per employee ($millions) | 5.3147% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7015% | 5,988 |
| Loan loss allowance to noncurrent loans | 118.5714% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 4,356 |
| Noncurrent loans to loans | 0.5916% | 3,893 |
| Net loans and leases to total assets | 73.6892% | 1,640 |
| Net loans and leases to deposits | 90.8381% | 1,427 |
| Net loans and leases to core deposits | 100.7633% | 1,340 |
| Total domestic deposits to total assets | 81.1214% | 4,706 |
| Equity capital to assets | 18.7594% | 275 |
| Core capital (leverage) ratio | 18.7512% | 257 |
| Tier 1 risk-based capital ratio | 45.1404% | 175 |
| Total risk-based capital ratio | 46.1364% | 178 |
| Memoranda: | ||
| Average total assets | $15,839,200 | 6,457 |
| Average earning assets | $14,649,000 | 6,440 |
| Average equity | $2,946,000 | 6,282 |
| Average total loans | $11,312,600 | 6,272 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2491% | 2,810 |
| Cost of funding earning assets | 1.4618% | 33 |
| Net interest margin | 2.7873% | 5,889 |
| Noninterest income to average assets | 0.0675% | 6,336 |
| Noninterest expense to average assets | 2.0321% | 5,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4553% | 5,054 |
| Return on assets (ROA) | 0.4553% | 5,138 |
| Pretax return on assets | 0.6240% | 4,954 |
| Return on Equity (ROE) | 2.4534% | 5,720 |
| Retained earnings to average equity (ytd only) | 2.4534% | 4,830 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5079% | 2,414 |
| Assets per employee ($millions) | 8.0085% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7311% | 6,039 |
| Loan loss allowance to noncurrent loans | 43.2292% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 2,557 |
| Noncurrent loans to loans | 1.6912% | 1,923 |
| Net loans and leases to total assets | 70.3627% | 2,135 |
| Net loans and leases to deposits | 86.5126% | 1,855 |
| Net loans and leases to core deposits | 95.8252% | 1,685 |
| Total domestic deposits to total assets | 81.3323% | 4,720 |
| Equity capital to assets | 18.4929% | 303 |
| Core capital (leverage) ratio | 18.5880% | 271 |
| Tier 1 risk-based capital ratio | 45.1938% | 177 |
| Total risk-based capital ratio | 46.2008% | 182 |
| Memoranda: | ||
| Average total assets | $15,813,000 | 6,536 |
| Average earning assets | $14,685,000 | 6,520 |
| Average equity | $2,934,750 | 6,355 |
| Average total loans | $11,182,750 | 6,349 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 2,459 |
| Cost of funding earning assets | 1.5174% | 27 |
| Net interest margin | 2.8160% | 5,870 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 2.0832% | 5,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4065% | 5,195 |
| Return on assets (ROA) | 0.4065% | 5,279 |
| Pretax return on assets | 0.5335% | 5,179 |
| Return on Equity (ROE) | 2.1875% | 5,796 |
| Retained earnings to average equity (ytd only) | 2.1875% | 4,795 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6117% | 2,078 |
| Assets per employee ($millions) | 7.9985% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 6,105 |
| Loan loss allowance to noncurrent loans | 87.3684% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 4,198 |
| Noncurrent loans to loans | 0.8493% | 3,581 |
| Net loans and leases to total assets | 69.4068% | 2,169 |
| Net loans and leases to deposits | 85.1000% | 1,918 |
| Net loans and leases to core deposits | 94.1730% | 1,757 |
| Total domestic deposits to total assets | 81.5590% | 4,798 |
| Equity capital to assets | 18.3784% | 303 |
| Core capital (leverage) ratio | 18.5407% | 273 |
| Tier 1 risk-based capital ratio | 23.3760% | 1,063 |
| Total risk-based capital ratio | 23.9008% | 1,143 |
| Memoranda: | ||
| Average total assets | $15,745,000 | 6,603 |
| Average earning assets | $14,630,670 | 6,590 |
| Average equity | $2,925,670 | 6,411 |
| Average total loans | $11,126,000 | 6,407 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 2,409 |
| Cost of funding earning assets | 1.5074% | 30 |
| Net interest margin | 2.8230% | 5,892 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 1.9207% | 6,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5122% | 4,627 |
| Return on assets (ROA) | 0.5122% | 4,704 |
| Pretax return on assets | 0.7171% | 4,428 |
| Return on Equity (ROE) | 2.7411% | 5,547 |
| Retained earnings to average equity (ytd only) | 2.7411% | 4,444 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8155% | 3,337 |
| Assets per employee ($millions) | 7.7800% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 6,208 |
| Loan loss allowance to noncurrent loans | 86.4583% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 4,275 |
| Noncurrent loans to loans | 0.8559% | 3,752 |
| Net loans and leases to total assets | 71.5488% | 1,643 |
| Net loans and leases to deposits | 88.2381% | 1,331 |
| Net loans and leases to core deposits | 95.8254% | 1,396 |
| Total domestic deposits to total assets | 81.0861% | 5,205 |
| Equity capital to assets | 18.8239% | 267 |
| Core capital (leverage) ratio | 18.7492% | 259 |
| Tier 1 risk-based capital ratio | 42.1075% | 206 |
| Total risk-based capital ratio | 43.0564% | 206 |
| Memoranda: | ||
| Average total assets | $15,619,000 | 6,678 |
| Average earning assets | $14,594,500 | 6,661 |
| Average equity | $2,918,500 | 6,466 |
| Average total loans | $11,096,000 | 6,482 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6111% | 1,833 |
| Cost of funding earning assets | 1.6473% | 31 |
| Net interest margin | 2.9637% | 5,655 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 2.0196% | 5,997 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5390% | 4,562 |
| Return on assets (ROA) | 0.5390% | 4,685 |
| Pretax return on assets | 0.7143% | 4,488 |
| Return on Equity (ROE) | 2.8962% | 5,546 |
| Retained earnings to average equity (ytd only) | 2.8962% | 4,186 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8717% | 3,149 |
| Assets per employee ($millions) | 7.8390% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 6,254 |
| Loan loss allowance to noncurrent loans | 32.8063% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 1.6137% | 2,298 |
| Noncurrent loans to loans | 2.3050% | 1,668 |
| Net loans and leases to total assets | 69.4795% | 2,098 |
| Net loans and leases to deposits | 85.3550% | 1,766 |
| Net loans and leases to core deposits | 92.5410% | 1,723 |
| Total domestic deposits to total assets | 81.4007% | 5,066 |
| Equity capital to assets | 18.5483% | 286 |
| Core capital (leverage) ratio | 18.6986% | 256 |
| Tier 1 risk-based capital ratio | 42.0657% | 200 |
| Total risk-based capital ratio | 43.0204% | 201 |
| Memoranda: | ||
| Average total assets | $15,399,000 | 6,758 |
| Average earning assets | $14,205,000 | 6,747 |
| Average equity | $2,865,800 | 6,555 |
| Average total loans | $11,665,400 | 6,532 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 1,497 |
| Cost of funding earning assets | 1.6587% | 30 |
| Net interest margin | 3.0818% | 5,374 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 2.1396% | 5,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4784% | 4,896 |
| Return on assets (ROA) | 0.4784% | 5,049 |
| Pretax return on assets | 0.7045% | 4,673 |
| Return on Equity (ROE) | 2.5683% | 5,763 |
| Retained earnings to average equity (ytd only) | 2.5683% | 4,786 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2294% | 2,862 |
| Assets per employee ($millions) | 7.7645% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7369% | 6,394 |
| Loan loss allowance to noncurrent loans | 52.5316% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 1.0175% | 3,618 |
| Noncurrent loans to loans | 1.4028% | 3,062 |
| Net loans and leases to total assets | 71.9943% | 1,592 |
| Net loans and leases to deposits | 88.5615% | 1,306 |
| Net loans and leases to core deposits | 96.0399% | 1,391 |
| Total domestic deposits to total assets | 81.2931% | 5,141 |
| Equity capital to assets | 18.5459% | 291 |
| Core capital (leverage) ratio | 18.6311% | 250 |
| Tier 1 risk-based capital ratio | 41.3377% | 226 |
| Total risk-based capital ratio | 42.2851% | 228 |
| Memoranda: | ||
| Average total assets | $15,329,250 | 6,837 |
| Average earning assets | $14,147,250 | 6,825 |
| Average equity | $2,855,250 | 6,632 |
| Average total loans | $11,837,750 | 6,594 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 1,055 |
| Cost of funding earning assets | 1.6816% | 30 |
| Net interest margin | 3.2350% | 4,821 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 2.2014% | 5,625 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5373% | 4,626 |
| Return on assets (ROA) | 0.5373% | 4,795 |
| Pretax return on assets | 0.7731% | 4,417 |
| Return on Equity (ROE) | 2.8802% | 5,671 |
| Retained earnings to average equity (ytd only) | 2.8802% | 4,478 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0088% | 3,127 |
| Assets per employee ($millions) | 7.6440% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7236% | 6,467 |
| Loan loss allowance to noncurrent loans | 65.8730% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8242% | 4,173 |
| Noncurrent loans to loans | 1.0985% | 3,735 |
| Net loans and leases to total assets | 74.4833% | 1,175 |
| Net loans and leases to deposits | 91.8899% | 976 |
| Net loans and leases to core deposits | 99.7372% | 1,098 |
| Total domestic deposits to total assets | 81.0570% | 5,328 |
| Equity capital to assets | 18.7467% | 270 |
| Core capital (leverage) ratio | 18.8602% | 240 |
| Tier 1 risk-based capital ratio | 41.0484% | 214 |
| Total risk-based capital ratio | 41.9937% | 215 |
| Memoranda: | ||
| Average total assets | $15,262,670 | 6,887 |
| Average earning assets | $14,034,000 | 6,874 |
| Average equity | $2,847,000 | 6,684 |
| Average total loans | $12,029,330 | 6,628 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7529% | 1,394 |
| Cost of funding earning assets | 1.6775% | 33 |
| Net interest margin | 3.0754% | 5,349 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 1.9672% | 6,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6033% | 4,196 |
| Return on assets (ROA) | 0.6033% | 4,354 |
| Pretax return on assets | 0.9180% | 3,696 |
| Return on Equity (ROE) | 3.2423% | 5,470 |
| Retained earnings to average equity (ytd only) | 3.2423% | 4,305 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1818% | 4,278 |
| Assets per employee ($millions) | 7.6065% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6774% | 6,624 |
| Loan loss allowance to noncurrent loans | 31.0861% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 1.7551% | 2,658 |
| Noncurrent loans to loans | 2.1791% | 2,413 |
| Net loans and leases to total assets | 79.9974% | 425 |
| Net loans and leases to deposits | 98.7424% | 406 |
| Net loans and leases to core deposits | 107.1491% | 594 |
| Total domestic deposits to total assets | 81.0162% | 5,491 |
| Equity capital to assets | 18.7274% | 288 |
| Core capital (leverage) ratio | 18.6783% | 253 |
| Tier 1 risk-based capital ratio | 39.2803% | 246 |
| Total risk-based capital ratio | 40.1903% | 247 |
| Memoranda: | ||
| Average total assets | $15,250,000 | 6,961 |
| Average earning assets | $14,307,000 | 6,947 |
| Average equity | $2,837,500 | 6,754 |
| Average total loans | $12,309,000 | 6,684 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 1,716 |
| Cost of funding earning assets | 1.8635% | 44 |
| Net interest margin | 3.0762% | 5,867 |
| Noninterest income to average assets | 0.0000% | 6,818 |
| Noninterest expense to average assets | 1.9369% | 6,443 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6779% | 3,841 |
| Return on assets (ROA) | 0.6779% | 4,110 |
| Pretax return on assets | 0.9620% | 3,692 |
| Return on Equity (ROE) | 3.7890% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.7890% | 3,545 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8151% | 4,359 |
| Assets per employee ($millions) | 7.6435% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6712% | 6,668 |
| Loan loss allowance to noncurrent loans | 21.3918% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 2.5381% | 1,917 |
| Noncurrent loans to loans | 3.1379% | 1,645 |
| Net loans and leases to total assets | 80.3428% | 438 |
| Net loans and leases to deposits | 98.7775% | 467 |
| Net loans and leases to core deposits | 107.0420% | 649 |
| Total domestic deposits to total assets | 81.3371% | 5,297 |
| Equity capital to assets | 18.4863% | 292 |
| Core capital (leverage) ratio | 18.2264% | 271 |
| Tier 1 risk-based capital ratio | 38.7229% | 253 |
| Total risk-based capital ratio | 39.6273% | 262 |
| Memoranda: | ||
| Average total assets | $15,489,000 | 7,019 |
| Average earning assets | $14,595,800 | 6,998 |
| Average equity | $2,771,200 | 6,828 |
| Average total loans | $12,401,400 | 6,761 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9772% | 1,750 |
| Cost of funding earning assets | 1.8926% | 43 |
| Net interest margin | 3.0846% | 5,973 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 2.0077% | 6,342 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6178% | 4,308 |
| Return on assets (ROA) | 0.6178% | 4,565 |
| Pretax return on assets | 0.9009% | 4,093 |
| Return on Equity (ROE) | 3.4814% | 5,498 |
| Retained earnings to average equity (ytd only) | 3.4814% | 4,417 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0265% | 3,874 |
| Assets per employee ($millions) | 7.8145% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6716% | 6,780 |
| Loan loss allowance to noncurrent loans | 30.2920% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 1.7532% | 2,973 |
| Noncurrent loans to loans | 2.2172% | 2,599 |
| Net loans and leases to total assets | 78.5399% | 669 |
| Net loans and leases to deposits | 95.8535% | 670 |
| Net loans and leases to core deposits | 103.5515% | 891 |
| Total domestic deposits to total assets | 81.9374% | 5,049 |
| Equity capital to assets | 17.8642% | 375 |
| Core capital (leverage) ratio | 17.9550% | 300 |
| Tier 1 risk-based capital ratio | 37.9399% | 285 |
| Total risk-based capital ratio | 38.8368% | 295 |
| Memoranda: | ||
| Average total assets | $15,539,500 | 7,112 |
| Average earning assets | $14,653,250 | 7,091 |
| Average equity | $2,757,500 | 6,915 |
| Average total loans | $12,410,500 | 6,851 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9123% | 2,059 |
| Cost of funding earning assets | 1.8945% | 51 |
| Net interest margin | 3.0177% | 6,205 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 2.0632% | 6,311 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6319% | 4,215 |
| Return on assets (ROA) | 0.6319% | 4,461 |
| Pretax return on assets | 0.8124% | 4,435 |
| Return on Equity (ROE) | 3.5688% | 5,453 |
| Retained earnings to average equity (ytd only) | 3.5688% | 4,219 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7489% | 3,475 |
| Assets per employee ($millions) | 7.8170% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6726% | 6,855 |
| Loan loss allowance to noncurrent loans | 34.8739% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 1.5223% | 3,419 |
| Noncurrent loans to loans | 1.9287% | 3,028 |
| Net loans and leases to total assets | 78.3996% | 679 |
| Net loans and leases to deposits | 95.3630% | 665 |
| Net loans and leases to core deposits | 102.9222% | 922 |
| Total domestic deposits to total assets | 82.2118% | 5,053 |
| Equity capital to assets | 17.7114% | 370 |
| Core capital (leverage) ratio | 17.7329% | 307 |
| Tier 1 risk-based capital ratio | 39.3547% | 240 |
| Total risk-based capital ratio | 40.2928% | 243 |
| Memoranda: | ||
| Average total assets | $15,509,670 | 7,171 |
| Average earning assets | $14,779,330 | 7,151 |
| Average equity | $2,746,000 | 6,960 |
| Average total loans | $12,428,000 | 6,903 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0309% | 1,787 |
| Cost of funding earning assets | 1.9308% | 56 |
| Net interest margin | 3.1001% | 6,040 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 1.8644% | 6,710 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7250% | 3,761 |
| Return on assets (ROA) | 0.7250% | 3,990 |
| Pretax return on assets | 1.0876% | 3,376 |
| Return on Equity (ROE) | 4.0958% | 5,250 |
| Retained earnings to average equity (ytd only) | 4.0958% | 4,136 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 5,078 |
| Assets per employee ($millions) | 7.8005% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6641% | 6,918 |
| Loan loss allowance to noncurrent loans | 38.9671% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 1.3653% | 3,837 |
| Noncurrent loans to loans | 1.7043% | 3,556 |
| Net loans and leases to total assets | 79.5782% | 452 |
| Net loans and leases to deposits | 96.8107% | 491 |
| Net loans and leases to core deposits | 104.4418% | 748 |
| Total domestic deposits to total assets | 82.1999% | 5,228 |
| Equity capital to assets | 17.6143% | 370 |
| Core capital (leverage) ratio | 17.7370% | 309 |
| Tier 1 risk-based capital ratio | 38.8081% | 253 |
| Total risk-based capital ratio | 39.7401% | 253 |
| Memoranda: | ||
| Average total assets | $15,447,500 | 7,233 |
| Average earning assets | $14,709,000 | 7,214 |
| Average equity | $2,734,500 | 7,015 |
| Average total loans | $12,472,000 | 6,958 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1150% | 2,390 |
| Cost of funding earning assets | 2.0531% | 78 |
| Net interest margin | 3.0619% | 6,423 |
| Noninterest income to average assets | 0.0000% | 6,982 |
| Noninterest expense to average assets | 1.9216% | 6,800 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6628% | 3,676 |
| Return on assets (ROA) | 0.6628% | 3,861 |
| Pretax return on assets | 0.9842% | 3,299 |
| Return on Equity (ROE) | 3.7104% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.7104% | 3,568 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1290% | 4,750 |
| Assets per employee ($millions) | 7.6470% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6669% | 6,945 |
| Loan loss allowance to noncurrent loans | 96.5116% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 5,565 |
| Noncurrent loans to loans | 0.6910% | 5,319 |
| Net loans and leases to total assets | 80.8356% | 418 |
| Net loans and leases to deposits | 98.6200% | 521 |
| Net loans and leases to core deposits | 104.2851% | 886 |
| Total domestic deposits to total assets | 81.9668% | 5,140 |
| Equity capital to assets | 17.7913% | 360 |
| Core capital (leverage) ratio | 18.0175% | 297 |
| Tier 1 risk-based capital ratio | 38.7662% | 252 |
| Total risk-based capital ratio | 39.7065% | 254 |
| Memoranda: | ||
| Average total assets | $14,935,800 | 7,287 |
| Average earning assets | $14,174,000 | 7,261 |
| Average equity | $2,668,200 | 7,079 |
| Average total loans | $11,833,800 | 7,041 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1029% | 2,595 |
| Cost of funding earning assets | 2.0845% | 86 |
| Net interest margin | 3.0184% | 6,547 |
| Noninterest income to average assets | 0.0000% | 7,100 |
| Noninterest expense to average assets | 1.9758% | 6,738 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6017% | 4,080 |
| Return on assets (ROA) | 0.6017% | 4,256 |
| Pretax return on assets | 0.8981% | 3,773 |
| Return on Equity (ROE) | 3.3646% | 5,288 |
| Retained earnings to average equity (ytd only) | 3.3646% | 4,334 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 4,166 |
| Assets per employee ($millions) | 7.4505% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6822% | 6,989 |
| Loan loss allowance to noncurrent loans | 96.5116% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 5,674 |
| Noncurrent loans to loans | 0.7068% | 5,467 |
| Net loans and leases to total assets | 81.0952% | 416 |
| Net loans and leases to deposits | 99.2281% | 503 |
| Net loans and leases to core deposits | 105.0600% | 915 |
| Total domestic deposits to total assets | 81.7261% | 5,185 |
| Equity capital to assets | 18.0458% | 382 |
| Core capital (leverage) ratio | 18.3100% | 301 |
| Tier 1 risk-based capital ratio | 39.2669% | 266 |
| Total risk-based capital ratio | 40.2307% | 265 |
| Memoranda: | ||
| Average total assets | $14,846,250 | 7,364 |
| Average earning assets | $14,135,500 | 7,336 |
| Average equity | $2,655,000 | 7,152 |
| Average total loans | $11,680,750 | 7,115 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0735% | 2,806 |
| Cost of funding earning assets | 2.1460% | 83 |
| Net interest margin | 2.9276% | 6,742 |
| Noninterest income to average assets | 0.0000% | 7,188 |
| Noninterest expense to average assets | 1.9827% | 6,826 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5395% | 4,340 |
| Return on assets (ROA) | 0.5395% | 4,477 |
| Pretax return on assets | 0.7958% | 4,050 |
| Return on Equity (ROE) | 3.0261% | 5,382 |
| Retained earnings to average equity (ytd only) | 3.0261% | 4,354 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3592% | 3,864 |
| Assets per employee ($millions) | 7.2700% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7137% | 7,002 |
| Loan loss allowance to noncurrent loans | 54.9669% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.0385% | 4,809 |
| Noncurrent loans to loans | 1.2984% | 4,478 |
| Net loans and leases to total assets | 79.4154% | 604 |
| Net loans and leases to deposits | 97.3937% | 626 |
| Net loans and leases to core deposits | 103.2272% | 1,100 |
| Total domestic deposits to total assets | 81.5406% | 5,339 |
| Equity capital to assets | 18.3081% | 359 |
| Core capital (leverage) ratio | 18.4362% | 303 |
| Tier 1 risk-based capital ratio | 40.1933% | 245 |
| Total risk-based capital ratio | 41.1898% | 241 |
| Memoranda: | ||
| Average total assets | $14,828,000 | 7,437 |
| Average earning assets | $14,073,000 | 7,409 |
| Average equity | $2,643,670 | 7,213 |
| Average total loans | $11,518,670 | 7,193 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9899% | 3,150 |
| Cost of funding earning assets | 2.1264% | 110 |
| Net interest margin | 2.8635% | 6,814 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 1.7366% | 7,200 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6679% | 3,673 |
| Return on assets (ROA) | 0.6679% | 3,744 |
| Pretax return on assets | 0.9618% | 3,280 |
| Return on Equity (ROE) | 3.7958% | 5,003 |
| Retained earnings to average equity (ytd only) | 3.7958% | 3,896 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3564% | 5,307 |
| Assets per employee ($millions) | 7.1720% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7243% | 7,045 |
| Loan loss allowance to noncurrent loans | 72.8070% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 5,323 |
| Noncurrent loans to loans | 0.9949% | 5,054 |
| Net loans and leases to total assets | 79.3084% | 590 |
| Net loans and leases to deposits | 97.5392% | 596 |
| Net loans and leases to core deposits | 103.4370% | 1,099 |
| Total domestic deposits to total assets | 81.3093% | 5,568 |
| Equity capital to assets | 18.4537% | 334 |
| Core capital (leverage) ratio | 17.6243% | 352 |
| Tier 1 risk-based capital ratio | 40.4246% | 232 |
| Total risk-based capital ratio | 41.4325% | 230 |
| Memoranda: | ||
| Average total assets | $14,972,000 | 7,496 |
| Average earning assets | $14,108,500 | 7,470 |
| Average equity | $2,634,500 | 7,261 |
| Average total loans | $11,463,000 | 7,251 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8139% | 5,368 |
| Cost of funding earning assets | 2.2277% | 276 |
| Net interest margin | 2.5862% | 7,219 |
| Noninterest income to average assets | 0.0061% | 7,262 |
| Noninterest expense to average assets | 1.8246% | 7,241 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4730% | 4,216 |
| Return on assets (ROA) | 0.4730% | 4,379 |
| Pretax return on assets | 0.6635% | 4,119 |
| Return on Equity (ROE) | 2.9873% | 4,960 |
| Retained earnings to average equity (ytd only) | 2.9873% | 3,755 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3333% | 3,522 |
| Assets per employee ($millions) | 7.8000% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 7,104 |
| Loan loss allowance to noncurrent loans | 35.9307% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 1.4808% | 4,094 |
| Noncurrent loans to loans | 2.0145% | 3,540 |
| Net loans and leases to total assets | 72.9744% | 1,879 |
| Net loans and leases to deposits | 99.3108% | 619 |
| Net loans and leases to core deposits | 105.3781% | 1,229 |
| Total domestic deposits to total assets | 73.4808% | 6,950 |
| Equity capital to assets | 16.8077% | 474 |
| Core capital (leverage) ratio | 16.4471% | 451 |
| Tier 1 risk-based capital ratio | 38.4740% | 268 |
| Total risk-based capital ratio | 39.4424% | 266 |
| Memoranda: | ||
| Average total assets | $16,277,800 | 7,549 |
| Average earning assets | $15,621,400 | 7,507 |
| Average equity | $2,577,600 | 7,376 |
| Average total loans | $11,451,200 | 7,331 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 5,986 |
| Cost of funding earning assets | 2.2162% | 367 |
| Net interest margin | 2.4932% | 7,384 |
| Noninterest income to average assets | 0.0081% | 7,417 |
| Noninterest expense to average assets | 1.8483% | 7,272 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3810% | 4,829 |
| Return on assets (ROA) | 0.3810% | 5,021 |
| Pretax return on assets | 0.5675% | 4,698 |
| Return on Equity (ROE) | 2.4418% | 5,450 |
| Retained earnings to average equity (ytd only) | 2.4418% | 4,713 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5101% | 2,857 |
| Assets per employee ($millions) | 8.4420% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7051% | 7,193 |
| Loan loss allowance to noncurrent loans | 2,766.6667% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 7,317 |
| Noncurrent loans to loans | 0.0255% | 7,197 |
| Net loans and leases to total assets | 69.2312% | 2,920 |
| Net loans and leases to deposits | 103.7086% | 445 |
| Net loans and leases to core deposits | 110.5761% | 1,007 |
| Total domestic deposits to total assets | 66.7555% | 7,439 |
| Equity capital to assets | 15.3459% | 810 |
| Core capital (leverage) ratio | 14.8771% | 738 |
| Tier 1 risk-based capital ratio | 36.1569% | 320 |
| Total risk-based capital ratio | 37.0779% | 321 |
| Memoranda: | ||
| Average total assets | $16,447,250 | 7,634 |
| Average earning assets | $15,882,750 | 7,596 |
| Average equity | $2,566,500 | 7,477 |
| Average total loans | $11,447,250 | 7,431 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 6,156 |
| Cost of funding earning assets | 2.2661% | 380 |
| Net interest margin | 2.4306% | 7,458 |
| Noninterest income to average assets | 0.0245% | 7,450 |
| Noninterest expense to average assets | 1.8403% | 7,344 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3681% | 4,901 |
| Return on assets (ROA) | 0.3681% | 5,064 |
| Pretax return on assets | 0.5398% | 4,780 |
| Return on Equity (ROE) | 2.3453% | 5,525 |
| Retained earnings to average equity (ytd only) | 2.3453% | 4,667 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3196% | 2,845 |
| Assets per employee ($millions) | 8.8115% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7204% | 7,204 |
| 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 | 64.9095% | 4,062 |
| Net loans and leases to deposits | 95.0162% | 1,146 |
| Net loans and leases to core deposits | 101.1138% | 1,909 |
| Total domestic deposits to total assets | 68.3141% | 7,416 |
| Equity capital to assets | 14.6002% | 980 |
| Core capital (leverage) ratio | 14.7704% | 770 |
| Tier 1 risk-based capital ratio | 35.4408% | 339 |
| Total risk-based capital ratio | 36.3499% | 339 |
| Memoranda: | ||
| Average total assets | $16,301,670 | 7,704 |
| Average earning assets | $15,798,330 | 7,661 |
| Average equity | $2,558,330 | 7,535 |
| Average total loans | $11,339,000 | 7,486 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7655% | 6,017 |
| Cost of funding earning assets | 2.3563% | 352 |
| Net interest margin | 2.4092% | 7,528 |
| Noninterest income to average assets | 0.0256% | 7,581 |
| Noninterest expense to average assets | 1.8669% | 7,387 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3325% | 5,156 |
| Return on assets (ROA) | 0.3325% | 5,282 |
| Pretax return on assets | 0.4859% | 5,013 |
| Return on Equity (ROE) | 2.0384% | 5,744 |
| Retained earnings to average equity (ytd only) | 2.0384% | 4,905 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3478% | 2,663 |
| Assets per employee ($millions) | 8.4085% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7442% | 7,263 |
| Loan loss allowance to noncurrent loans | 830.0000% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 7,338 |
| Noncurrent loans to loans | 0.0897% | 7,171 |
| Net loans and leases to total assets | 65.8262% | 3,902 |
| Net loans and leases to deposits | 90.4633% | 1,833 |
| Net loans and leases to core deposits | 96.1271% | 2,573 |
| Total domestic deposits to total assets | 72.7657% | 7,189 |
| Equity capital to assets | 15.2108% | 834 |
| Core capital (leverage) ratio | 16.5054% | 504 |
| Tier 1 risk-based capital ratio | 36.6213% | 319 |
| Total risk-based capital ratio | 37.5662% | 314 |
| Memoranda: | ||
| Average total assets | $15,641,000 | 7,819 |
| Average earning assets | $15,108,500 | 7,781 |
| Average equity | $2,551,000 | 7,616 |
| Average total loans | $11,247,500 | 7,581 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3837% | 4,769 |
| Cost of funding earning assets | 2.5528% | 892 |
| Net interest margin | 2.8309% | 7,006 |
| Noninterest income to average assets | 0.0138% | 7,642 |
| Noninterest expense to average assets | 2.0152% | 7,349 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5227% | 3,641 |
| Return on assets (ROA) | 0.5227% | 3,725 |
| Pretax return on assets | 0.7291% | 3,475 |
| Return on Equity (ROE) | 3.0342% | 4,482 |
| Retained earnings to average equity (ytd only) | 3.0342% | 3,042 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4336% | 4,009 |
| Assets per employee ($millions) | 7.2325% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7318% | 7,303 |
| Loan loss allowance to noncurrent loans | 176.5957% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 6,629 |
| Noncurrent loans to loans | 0.4144% | 6,450 |
| Net loans and leases to total assets | 77.8362% | 1,421 |
| Net loans and leases to deposits | 94.7090% | 1,502 |
| Net loans and leases to core deposits | 123.1838% | 1,703 |
| Total domestic deposits to total assets | 82.1846% | 4,873 |
| Equity capital to assets | 17.5873% | 489 |
| Core capital (leverage) ratio | 16.8947% | 507 |
| Tier 1 risk-based capital ratio | 39.1385% | 267 |
| Total risk-based capital ratio | 40.1538% | 265 |
| Memoranda: | ||
| Average total assets | $14,539,200 | 7,905 |
| Average earning assets | $14,023,800 | 7,868 |
| Average equity | $2,504,800 | 7,729 |
| Average total loans | $10,317,400 | 7,693 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3920% | 4,985 |
| Cost of funding earning assets | 2.5252% | 1,223 |
| Net interest margin | 2.8669% | 6,923 |
| Noninterest income to average assets | 0.0183% | 7,778 |
| Noninterest expense to average assets | 2.0607% | 7,267 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4762% | 4,088 |
| Return on assets (ROA) | 0.4762% | 4,187 |
| Pretax return on assets | 0.7235% | 3,781 |
| Return on Equity (ROE) | 2.7788% | 4,889 |
| Retained earnings to average equity (ytd only) | 2.7788% | 3,781 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0132% | 3,859 |
| Assets per employee ($millions) | 7.7145% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7300% | 7,307 |
| Loan loss allowance to noncurrent loans | 37.5566% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 1.4324% | 4,241 |
| Noncurrent loans to loans | 1.9437% | 3,714 |
| Net loans and leases to total assets | 73.1544% | 2,752 |
| Net loans and leases to deposits | 97.1343% | 1,426 |
| Net loans and leases to core deposits | 124.8700% | 1,828 |
| Total domestic deposits to total assets | 75.3127% | 6,716 |
| Equity capital to assets | 16.3329% | 739 |
| Core capital (leverage) ratio | 15.7284% | 722 |
| Tier 1 risk-based capital ratio | 37.6907% | 318 |
| Total risk-based capital ratio | 38.6778% | 315 |
| Memoranda: | ||
| Average total assets | $14,557,750 | 7,985 |
| Average earning assets | $14,045,000 | 7,949 |
| Average equity | $2,495,000 | 7,808 |
| Average total loans | $10,061,250 | 7,782 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4104% | 5,093 |
| Cost of funding earning assets | 2.5529% | 1,440 |
| Net interest margin | 2.8575% | 6,891 |
| Noninterest income to average assets | 0.0140% | 7,899 |
| Noninterest expense to average assets | 2.0466% | 7,384 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5327% | 3,973 |
| Return on assets (ROA) | 0.5327% | 4,082 |
| Pretax return on assets | 0.7289% | 3,904 |
| Return on Equity (ROE) | 3.0563% | 4,878 |
| Retained earnings to average equity (ytd only) | 3.0563% | 3,614 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7374% | 4,073 |
| Assets per employee ($millions) | 7.3340% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 7,190 |
| Loan loss allowance to noncurrent loans | 127.6923% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 6,343 |
| Noncurrent loans to loans | 0.6175% | 6,019 |
| Net loans and leases to total assets | 71.1958% | 3,423 |
| Net loans and leases to deposits | 95.9394% | 1,808 |
| Net loans and leases to core deposits | 115.3923% | 2,772 |
| Total domestic deposits to total assets | 74.2092% | 6,924 |
| Equity capital to assets | 17.0848% | 653 |
| Core capital (leverage) ratio | 17.5860% | 553 |
| Tier 1 risk-based capital ratio | 39.9235% | 308 |
| Total risk-based capital ratio | 40.9750% | 306 |
| Memoranda: | ||
| Average total assets | $14,267,330 | 8,082 |
| Average earning assets | $13,788,330 | 8,043 |
| Average equity | $2,486,670 | 7,882 |
| Average total loans | $9,625,000 | 7,878 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5013% | 4,905 |
| Cost of funding earning assets | 2.5751% | 1,637 |
| Net interest margin | 2.9262% | 6,680 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 2.1327% | 7,048 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4834% | 4,498 |
| Return on assets (ROA) | 0.4834% | 4,690 |
| Pretax return on assets | 0.7109% | 4,396 |
| Return on Equity (ROE) | 2.7453% | 5,472 |
| Retained earnings to average equity (ytd only) | 2.7453% | 4,350 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 3,664 |
| Assets per employee ($millions) | 6.9240% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 6,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 66.1179% | 4,559 |
| Net loans and leases to deposits | 90.8604% | 2,801 |
| Net loans and leases to core deposits | 104.3419% | 4,103 |
| Total domestic deposits to total assets | 72.7686% | 7,087 |
| Equity capital to assets | 17.9521% | 606 |
| Core capital (leverage) ratio | 17.2747% | 627 |
| Tier 1 risk-based capital ratio | 43.3933% | 273 |
| Total risk-based capital ratio | 44.5453% | 270 |
| Memoranda: | ||
| Average total assets | $14,067,000 | 8,141 |
| Average earning assets | $13,669,500 | 8,097 |
| Average equity | $2,477,000 | 7,934 |
| Average total loans | $9,174,500 | 7,943 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6515% | 6,930 |
| Cost of funding earning assets | 2.9877% | 1,913 |
| Net interest margin | 2.6638% | 7,556 |
| Noninterest income to average assets | 0.0237% | 8,019 |
| Noninterest expense to average assets | 2.1477% | 7,118 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3711% | 5,267 |
| Return on assets (ROA) | 0.3711% | 5,075 |
| Pretax return on assets | 0.4737% | 5,059 |
| Return on Equity (ROE) | 1.9251% | 5,642 |
| Retained earnings to average equity (ytd only) | 1.9251% | 4,034 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9277% | 2,310 |
| Assets per employee ($millions) | 7.1430% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 6,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 63.1877% | 5,423 |
| Net loans and leases to deposits | 85.9469% | 4,127 |
| Net loans and leases to core deposits | 99.8010% | 4,837 |
| Total domestic deposits to total assets | 73.5195% | 6,737 |
| Equity capital to assets | 17.2757% | 748 |
| Core capital (leverage) ratio | 18.5438% | 552 |
| Tier 1 risk-based capital ratio | 42.6621% | 291 |
| Total risk-based capital ratio | 43.8029% | 287 |
| Memoranda: | ||
| Average total assets | $12,665,000 | 8,211 |
| Average earning assets | $12,350,800 | 8,180 |
| Average equity | $2,441,400 | 8,006 |
| Average total loans | $8,729,400 | 8,004 |