Home > Lineage Bank > Performance and Condition Ratios
Lineage Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3003% | 1,495 |
| Cost of funding earning assets | 1.3911% | 2,254 |
| Net interest margin | 3.9092% | 1,356 |
| Noninterest income to average assets | 3.0600% | 180 |
| Noninterest expense to average assets | 6.1572% | 170 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.4444% | 3,778 |
| Return on assets (ROA) | 0.4492% | 3,773 |
| Pretax return on assets | 0.4492% | 3,898 |
| Return on Equity (ROE) | 5.7700% | 3,572 |
| Retained earnings to average equity (ytd only) | 5.7682% | 2,334 |
| Net charge-offs to loans | 0.0197% | 1,952 |
| Credit loss provision to net charge-offs | 632.1429% | 568 |
| Earnings coverage of net charge-offs (x) | 44.4643% | 1,367 |
| Efficiency ratio | 92.4698% | 352 |
| Assets per employee ($millions) | 5.1000% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 3,941 |
| Loan loss allowance to noncurrent loans | 467.8715% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 2,965 |
| Noncurrent loans to loans | 0.1733% | 2,652 |
| Net loans and leases to total assets | 49.0200% | 3,656 |
| Net loans and leases to deposits | 54.2030% | 3,785 |
| Net loans and leases to core deposits | 120.3805% | 610 |
| Total domestic deposits to total assets | 90.4400% | 639 |
| Equity capital to assets | 7.0158% | 3,931 |
| Core capital (leverage) ratio | 9.8428% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7264% | 1,339 |
| Memoranda: | ||
| Average total assets | $251,102,800 | 2,675 |
| Average earning assets | $230,610,400 | 2,686 |
| Average equity | $19,555,400 | 2,899 |
| Average total loans | $142,053,000 | 2,743 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2263% | 1,406 |
| Cost of funding earning assets | 1.1787% | 2,495 |
| Net interest margin | 4.0476% | 1,153 |
| Noninterest income to average assets | 3.3800% | 179 |
| Noninterest expense to average assets | 5.8474% | 184 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.1762% | 1,863 |
| Return on assets (ROA) | 1.1718% | 1,857 |
| Pretax return on assets | 1.1718% | 2,364 |
| Return on Equity (ROE) | 14.6000% | 1,526 |
| Retained earnings to average equity (ytd only) | 14.5998% | 603 |
| Net charge-offs to loans | 0.0264% | 1,537 |
| Credit loss provision to net charge-offs | 146.4286% | 1,341 |
| Earnings coverage of net charge-offs (x) | 83.5357% | 1,023 |
| Efficiency ratio | 81.8161% | 739 |
| Assets per employee ($millions) | 3.8442% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8118% | 3,958 |
| Loan loss allowance to noncurrent loans | 445.3846% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 2,871 |
| Noncurrent loans to loans | 0.1823% | 2,630 |
| Net loans and leases to total assets | 57.5100% | 3,074 |
| Net loans and leases to deposits | 64.4922% | 3,228 |
| Net loans and leases to core deposits | 72.1278% | 3,099 |
| Total domestic deposits to total assets | 89.1700% | 1,195 |
| Equity capital to assets | 8.0848% | 3,000 |
| Core capital (leverage) ratio | 10.5932% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0925% | 1,534 |
| Memoranda: | ||
| Average total assets | $241,218,500 | 2,735 |
| Average earning assets | $224,192,500 | 2,727 |
| Average equity | $19,360,500 | 2,902 |
| Average total loans | $141,647,500 | 2,756 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 1,575 |
| Cost of funding earning assets | 0.9556% | 2,749 |
| Net interest margin | 4.0388% | 1,177 |
| Noninterest income to average assets | 3.2500% | 170 |
| Noninterest expense to average assets | 5.6165% | 188 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.2478% | 1,698 |
| Return on assets (ROA) | 1.2512% | 1,682 |
| Pretax return on assets | 1.2512% | 2,221 |
| Return on Equity (ROE) | 15.6300% | 1,333 |
| Retained earnings to average equity (ytd only) | 15.6279% | 505 |
| Net charge-offs to loans | 0.0099% | 1,829 |
| Credit loss provision to net charge-offs | 2,571.4286% | 212 |
| Earnings coverage of net charge-offs (x) | 237.5714% | 525 |
| Efficiency ratio | 80.1001% | 835 |
| Assets per employee ($millions) | 3.5755% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7928% | 4,043 |
| Loan loss allowance to noncurrent loans | 483.3333% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 2,808 |
| Noncurrent loans to loans | 0.1640% | 2,653 |
| Net loans and leases to total assets | 63.0500% | 2,479 |
| Net loans and leases to deposits | 71.0893% | 2,709 |
| Net loans and leases to core deposits | 79.0089% | 2,541 |
| Total domestic deposits to total assets | 88.6900% | 1,351 |
| Equity capital to assets | 8.5366% | 2,835 |
| Core capital (leverage) ratio | 10.8427% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9293% | 1,593 |
| Memoranda: | ||
| Average total assets | $239,615,000 | 2,753 |
| Average earning assets | $222,690,000 | 2,750 |
| Average equity | $19,183,667 | 2,929 |
| Average total loans | $141,316,333 | 2,755 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6780% | 1,903 |
| Cost of funding earning assets | 0.7987% | 2,745 |
| Net interest margin | 3.8793% | 1,515 |
| Noninterest income to average assets | 2.9900% | 172 |
| Noninterest expense to average assets | 5.1642% | 218 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.3420% | 1,562 |
| Return on assets (ROA) | 1.3453% | 1,524 |
| Pretax return on assets | 1.3453% | 2,034 |
| Return on Equity (ROE) | 17.3700% | 1,120 |
| Retained earnings to average equity (ytd only) | 17.3662% | 567 |
| Net charge-offs to loans | 0.0058% | 1,748 |
| Credit loss provision to net charge-offs | 3,250.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 430.5000% | 258 |
| Efficiency ratio | 78.2805% | 976 |
| Assets per employee ($millions) | 3.7531% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7785% | 4,126 |
| Loan loss allowance to noncurrent loans | 457.2034% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 2,846 |
| Noncurrent loans to loans | 0.1703% | 2,633 |
| Net loans and leases to total assets | 57.2500% | 2,939 |
| Net loans and leases to deposits | 64.1789% | 3,069 |
| Net loans and leases to core deposits | 67.6872% | 3,116 |
| Total domestic deposits to total assets | 89.2100% | 1,466 |
| Equity capital to assets | 8.0734% | 3,190 |
| Core capital (leverage) ratio | 10.5428% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5016% | 1,488 |
| Memoranda: | ||
| Average total assets | $241,430,500 | 2,778 |
| Average earning assets | $224,368,500 | 2,777 |
| Average equity | $18,703,000 | 3,003 |
| Average total loans | $136,984,000 | 2,827 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8360% | 403 |
| Cost of funding earning assets | 0.5827% | 970 |
| Net interest margin | 4.2533% | 465 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 5.9103% | 168 |
| Loan and lease loss provision to assets | 0.4300% | 153 |
| Net operating income to assets | -1.5035% | 4,678 |
| Return on assets (ROA) | -1.5179% | 4,674 |
| Pretax return on assets | -1.5179% | 4,669 |
| Return on Equity (ROE) | -14.7900% | 4,682 |
| Retained earnings to average equity (ytd only) | -14.7936% | 4,673 |
| Net charge-offs to loans | 0.0332% | 1,411 |
| Credit loss provision to net charge-offs | 2,412.9032% | 224 |
| Earnings coverage of net charge-offs (x) | -60.0000% | 4,712 |
| Efficiency ratio | 122.0091% | 63 |
| Assets per employee ($millions) | 3.9139% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 3,930 |
| Loan loss allowance to noncurrent loans | 463.5628% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 2,829 |
| Noncurrent loans to loans | 0.1825% | 2,575 |
| Net loans and leases to total assets | 55.3100% | 3,093 |
| Net loans and leases to deposits | 61.4731% | 3,237 |
| Net loans and leases to core deposits | 64.1238% | 3,257 |
| Total domestic deposits to total assets | 89.9800% | 1,374 |
| Equity capital to assets | 7.4234% | 3,419 |
| Core capital (leverage) ratio | 7.8353% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8244% | 1,685 |
| Memoranda: | ||
| Average total assets | $173,459,200 | 3,246 |
| Average earning assets | $160,298,000 | 3,239 |
| Average equity | $17,798,200 | 3,141 |
| Average total loans | $93,270,400 | 3,246 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 637 |
| Cost of funding earning assets | 0.5477% | 583 |
| Net interest margin | 3.8129% | 937 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 5.9878% | 168 |
| Loan and lease loss provision to assets | 0.5600% | 88 |
| Net operating income to assets | -2.5725% | 4,739 |
| Return on assets (ROA) | -2.5819% | 4,736 |
| Pretax return on assets | -2.5819% | 4,734 |
| Return on Equity (ROE) | -22.7200% | 4,731 |
| Retained earnings to average equity (ytd only) | -22.7223% | 4,734 |
| Net charge-offs to loans | 0.0387% | 1,107 |
| Credit loss provision to net charge-offs | 2,720.8333% | 193 |
| Earnings coverage of net charge-offs (x) | -98.3333% | 4,757 |
| Efficiency ratio | 150.5051% | 41 |
| Assets per employee ($millions) | 3.9116% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 3,696 |
| Loan loss allowance to noncurrent loans | 387.1795% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 2,784 |
| Noncurrent loans to loans | 0.2447% | 2,402 |
| Net loans and leases to total assets | 47.8700% | 3,639 |
| Net loans and leases to deposits | 53.1464% | 3,656 |
| Net loans and leases to core deposits | 63.8839% | 3,127 |
| Total domestic deposits to total assets | 90.0800% | 1,622 |
| Equity capital to assets | 7.1170% | 3,448 |
| Core capital (leverage) ratio | 10.6876% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0198% | 1,419 |
| Memoranda: | ||
| Average total assets | $156,158,000 | 3,406 |
| Average earning assets | $143,614,250 | 3,417 |
| Average equity | $17,744,250 | 3,179 |
| Average total loans | $82,745,750 | 3,382 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3208% | 514 |
| Cost of funding earning assets | 0.4008% | 912 |
| Net interest margin | 3.9200% | 585 |
| Noninterest income to average assets | 0.2681% | 3,564 |
| Noninterest expense to average assets | 6.1501% | 123 |
| Loan and lease loss provision to assets | 0.7404% | 62 |
| Net operating income to assets | -3.0469% | 4,749 |
| Return on assets (ROA) | -3.0682% | 4,747 |
| Pretax return on assets | -3.0682% | 4,744 |
| Return on Equity (ROE) | -22.1513% | 4,749 |
| Retained earnings to average equity (ytd only) | -22.1513% | 4,730 |
| Net charge-offs to loans | 0.0520% | 877 |
| Credit loss provision to net charge-offs | 2,557.8947% | 204 |
| Earnings coverage of net charge-offs (x) | -79.6842% | 2,149 |
| Efficiency ratio | 159.7305% | 34 |
| Assets per employee ($millions) | 3.4838% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 3,890 |
| Loan loss allowance to noncurrent loans | 344.2308% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 2,595 |
| Noncurrent loans to loans | 0.2677% | 2,406 |
| Net loans and leases to total assets | 58.7713% | 2,458 |
| Net loans and leases to deposits | 67.8558% | 2,400 |
| Net loans and leases to core deposits | 116.6196% | 235 |
| Total domestic deposits to total assets | 86.6121% | 3,072 |
| Equity capital to assets | 9.4712% | 2,038 |
| Core capital (leverage) ratio | 11.9494% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6429% | 1,525 |
| Memoranda: | ||
| Average total assets | $131,282,333 | 3,690 |
| Average earning assets | $119,745,667 | 3,701 |
| Average equity | $18,184,000 | 3,220 |
| Average total loans | $73,146,667 | 3,568 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 850 |
| Cost of funding earning assets | 0.2767% | 1,854 |
| Net interest margin | 3.6728% | 783 |
| Noninterest income to average assets | 0.2329% | 3,750 |
| Noninterest expense to average assets | 6.4839% | 109 |
| Loan and lease loss provision to assets | 0.8274% | 49 |
| Net operating income to assets | -3.7095% | 4,780 |
| Return on assets (ROA) | -3.7513% | 4,779 |
| Pretax return on assets | -3.7513% | 4,776 |
| Return on Equity (ROE) | -22.1084% | 4,774 |
| Retained earnings to average equity (ytd only) | -22.1084% | 4,713 |
| Net charge-offs to loans | 0.1046% | 503 |
| Credit loss provision to net charge-offs | 1,487.5000% | 273 |
| Earnings coverage of net charge-offs (x) | -51.8125% | 1,828 |
| Efficiency ratio | 179.7297% | 28 |
| Assets per employee ($millions) | 3.5529% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9021% | 4,038 |
| Loan loss allowance to noncurrent loans | 127.7014% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 1,601 |
| Noncurrent loans to loans | 0.7064% | 1,344 |
| Net loans and leases to total assets | 52.8868% | 2,894 |
| Net loans and leases to deposits | 65.7825% | 2,355 |
| Net loans and leases to core deposits | 96.9175% | 615 |
| Total domestic deposits to total assets | 80.3964% | 4,260 |
| Equity capital to assets | 14.0751% | 520 |
| Core capital (leverage) ratio | 16.1990% | 327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8537% | 575 |
| Memoranda: | ||
| Average total assets | $115,054,500 | 3,863 |
| Average earning assets | $105,533,500 | 3,866 |
| Average equity | $19,522,000 | 3,185 |
| Average total loans | $61,157,000 | 3,774 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1185% | 3,646 |
| Cost of funding earning assets | 0.2617% | 2,787 |
| Net interest margin | 2.8568% | 3,539 |
| Noninterest income to average assets | 0.2242% | 4,033 |
| Noninterest expense to average assets | 8.7579% | 86 |
| Loan and lease loss provision to assets | 0.7658% | 58 |
| Net operating income to assets | -7.0022% | 4,832 |
| Return on assets (ROA) | -6.9867% | 4,832 |
| Pretax return on assets | -6.9867% | 4,832 |
| Return on Equity (ROE) | -38.4134% | 4,832 |
| Retained earnings to average equity (ytd only) | -38.4134% | 4,825 |
| Net charge-offs to loans | 0.0707% | 1,083 |
| Credit loss provision to net charge-offs | 2,775.0000% | 243 |
| Earnings coverage of net charge-offs (x) | -226.0000% | 2,702 |
| Efficiency ratio | 346.4432% | 13 |
| Assets per employee ($millions) | 2.6416% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 4,175 |
| Loan loss allowance to noncurrent loans | 176.8595% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 2,293 |
| Noncurrent loans to loans | 0.4815% | 1,923 |
| Net loans and leases to total assets | 52.4017% | 3,013 |
| Net loans and leases to deposits | 70.1340% | 2,117 |
| Net loans and leases to core deposits | 81.1573% | 1,509 |
| Total domestic deposits to total assets | 74.7166% | 4,565 |
| Equity capital to assets | 21.0740% | 151 |
| Core capital (leverage) ratio | 23.7341% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6612% | 247 |
| Memoranda: | ||
| Average total assets | $57,981,800 | 4,478 |
| Average earning assets | $46,625,600 | 4,545 |
| Average equity | $10,545,800 | 4,080 |
| Average total loans | $22,625,200 | 4,522 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9888% | 4,023 |
| Cost of funding earning assets | 0.2982% | 2,607 |
| Net interest margin | 2.6907% | 4,000 |
| Noninterest income to average assets | 0.1697% | 4,353 |
| Noninterest expense to average assets | 9.3983% | 82 |
| Loan and lease loss provision to assets | 0.6242% | 79 |
| Net operating income to assets | -7.8269% | 4,908 |
| Return on assets (ROA) | -7.7995% | 4,908 |
| Pretax return on assets | -7.7995% | 4,908 |
| Return on Equity (ROE) | -46.4828% | 4,908 |
| Retained earnings to average equity (ytd only) | -46.4828% | 4,902 |
| Net charge-offs to loans | 0.0509% | 1,160 |
| Credit loss provision to net charge-offs | 3,800.0000% | 203 |
| Earnings coverage of net charge-offs (x) | -438.5000% | 2,458 |
| Efficiency ratio | 426.8080% | 11 |
| Assets per employee ($millions) | 2.4615% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7329% | 4,443 |
| Loan loss allowance to noncurrent loans | 45.0304% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7153% | 1,035 |
| Noncurrent loans to loans | 1.6275% | 626 |
| Net loans and leases to total assets | 43.6297% | 3,984 |
| Net loans and leases to deposits | 55.0904% | 3,646 |
| Net loans and leases to core deposits | 65.8823% | 2,964 |
| Total domestic deposits to total assets | 79.1965% | 4,327 |
| Equity capital to assets | 14.6820% | 599 |
| Core capital (leverage) ratio | 13.3300% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3565% | 658 |
| Memoranda: | ||
| Average total assets | $48,702,750 | 4,643 |
| Average earning assets | $36,669,250 | 4,721 |
| Average equity | $8,172,000 | 4,378 |
| Average total loans | $15,716,250 | 4,708 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7876% | 4,358 |
| Cost of funding earning assets | 0.3883% | 1,985 |
| Net interest margin | 2.3993% | 4,421 |
| Noninterest income to average assets | 0.2097% | 4,148 |
| Noninterest expense to average assets | 9.9563% | 71 |
| Loan and lease loss provision to assets | 0.2860% | 312 |
| Net operating income to assets | -8.4121% | 4,950 |
| Return on assets (ROA) | -8.3835% | 4,949 |
| Pretax return on assets | -8.3549% | 4,948 |
| Return on Equity (ROE) | -46.7633% | 4,943 |
| Retained earnings to average equity (ytd only) | -46.7633% | 4,937 |
| Net charge-offs to loans | 0.0921% | 786 |
| Credit loss provision to net charge-offs | 1,200.0000% | 416 |
| Earnings coverage of net charge-offs (x) | -339.8000% | 2,241 |
| Efficiency ratio | 533.8462% | 8 |
| Assets per employee ($millions) | 1.9943% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3922% | 4,802 |
| Loan loss allowance to noncurrent loans | 45.0820% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 2,842 |
| Noncurrent loans to loans | 0.8699% | 1,411 |
| Net loans and leases to total assets | 25.0166% | 4,769 |
| Net loans and leases to deposits | 33.6781% | 4,688 |
| Net loans and leases to core deposits | 36.5796% | 4,656 |
| Total domestic deposits to total assets | 74.2814% | 4,643 |
| Equity capital to assets | 18.0107% | 265 |
| Core capital (leverage) ratio | 18.2307% | 250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.0497% | 174 |
| Memoranda: | ||
| Average total assets | $41,963,333 | 4,743 |
| Average earning assets | $28,842,333 | 4,824 |
| Average equity | $7,523,000 | 4,466 |
| Average total loans | $10,857,667 | 4,825 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7538% | 2,236 |
| Cost of funding earning assets | 0.6589% | 655 |
| Net interest margin | 3.0949% | 3,004 |
| Noninterest income to average assets | 0.2427% | 3,943 |
| Noninterest expense to average assets | 7.6095% | 100 |
| Loan and lease loss provision to assets | 0.0364% | 2,288 |
| Net operating income to assets | -5.6798% | 4,968 |
| Return on assets (ROA) | -5.6798% | 4,968 |
| Pretax return on assets | -5.5220% | 4,967 |
| Return on Equity (ROE) | -29.2889% | 4,967 |
| Retained earnings to average equity (ytd only) | -29.2889% | 4,948 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 357.7143% | 6 |
| Assets per employee ($millions) | 7.7336% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0333% | 4,926 |
| Loan loss allowance to noncurrent loans | 3.1579% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 2,902 |
| Noncurrent loans to loans | 1.0553% | 1,274 |
| Net loans and leases to total assets | 23.2725% | 4,817 |
| Net loans and leases to deposits | 31.5921% | 4,772 |
| Net loans and leases to core deposits | 35.2404% | 4,735 |
| Total domestic deposits to total assets | 73.6656% | 4,682 |
| Equity capital to assets | 26.1198% | 83 |
| Core capital (leverage) ratio | 31.3823% | 57 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.1373% | 85 |
| Memoranda: | ||
| Average total assets | $32,959,000 | 4,848 |
| Average earning assets | $20,033,000 | 4,913 |
| Average equity | $6,391,500 | 4,594 |
| Average total loans | $9,270,000 | 4,871 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 4,058 |
| Cost of funding earning assets | 0.6626% | 1,914 |
| Net interest margin | 2.8220% | 4,231 |
| Noninterest income to average assets | 0.2696% | 3,864 |
| Noninterest expense to average assets | 2.6258% | 2,461 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.0234% | 4,715 |
| Return on assets (ROA) | 0.0234% | 4,753 |
| Pretax return on assets | 0.0234% | 4,748 |
| Return on Equity (ROE) | 0.2193% | 4,748 |
| Retained earnings to average equity (ytd only) | -2.8507% | 4,754 |
| Net charge-offs to loans | 0.5599% | 268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 0.1132% | 3,335 |
| Efficiency ratio | 99.1150% | 189 |
| Assets per employee ($millions) | 5.4500% | 2,895 |
| Cash dividends to net income (ytd only)* | 1,400.0000% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2202% | 4,924 |
| Loan loss allowance to noncurrent loans | 55.2632% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 3,596 |
| Noncurrent loans to loans | 0.3984% | 2,778 |
| Net loans and leases to total assets | 34.9248% | 4,618 |
| Net loans and leases to deposits | 38.8180% | 4,685 |
| Net loans and leases to core deposits | 44.0888% | 4,597 |
| Total domestic deposits to total assets | 89.9706% | 579 |
| Equity capital to assets | 9.8459% | 3,266 |
| Core capital (leverage) ratio | 10.0790% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3710% | 371 |
| Memoranda: | ||
| Average total assets | $25,592,000 | 4,905 |
| Average earning assets | $21,580,800 | 4,914 |
| Average equity | $2,736,200 | 4,922 |
| Average total loans | $9,466,000 | 4,898 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4772% | 4,246 |
| Cost of funding earning assets | 0.6724% | 2,188 |
| Net interest margin | 2.8048% | 4,337 |
| Noninterest income to average assets | 0.2807% | 3,807 |
| Noninterest expense to average assets | 2.3989% | 3,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3230% | 4,405 |
| Return on assets (ROA) | 0.3230% | 4,460 |
| Pretax return on assets | 0.3336% | 4,514 |
| Return on Equity (ROE) | 2.9580% | 4,397 |
| Retained earnings to average equity (ytd only) | -0.1940% | 4,505 |
| Net charge-offs to loans | 0.0706% | 1,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 12.6000% | 2,244 |
| Efficiency ratio | 87.7907% | 425 |
| Assets per employee ($millions) | 5.0236% | 3,224 |
| Cash dividends to net income (ytd only)* | 106.5574% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7017% | 4,582 |
| Loan loss allowance to noncurrent loans | 101.4706% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 3,081 |
| Noncurrent loans to loans | 0.6915% | 2,065 |
| Net loans and leases to total assets | 38.8725% | 4,598 |
| Net loans and leases to deposits | 43.7710% | 4,668 |
| Net loans and leases to core deposits | 50.3896% | 4,569 |
| Total domestic deposits to total assets | 88.8088% | 858 |
| Equity capital to assets | 11.0041% | 2,394 |
| Core capital (leverage) ratio | 10.3359% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6623% | 343 |
| Memoranda: | ||
| Average total assets | $25,177,500 | 4,938 |
| Average earning assets | $22,009,250 | 4,940 |
| Average equity | $2,749,500 | 4,951 |
| Average total loans | $9,448,000 | 4,929 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5903% | 4,274 |
| Cost of funding earning assets | 0.7036% | 2,361 |
| Net interest margin | 2.8867% | 4,330 |
| Noninterest income to average assets | 0.2461% | 3,999 |
| Noninterest expense to average assets | 2.3891% | 3,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3810% | 4,271 |
| Return on assets (ROA) | 0.3810% | 4,331 |
| Pretax return on assets | 0.3969% | 4,416 |
| Return on Equity (ROE) | 3.4977% | 4,246 |
| Retained earnings to average equity (ytd only) | -1.2388% | 4,511 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7550% | 548 |
| Assets per employee ($millions) | 5.0046% | 3,168 |
| Cash dividends to net income (ytd only)* | 135.4167% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 4,331 |
| Loan loss allowance to noncurrent loans | 75.5102% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 2,726 |
| Noncurrent loans to loans | 1.0671% | 1,452 |
| Net loans and leases to total assets | 36.4065% | 4,711 |
| Net loans and leases to deposits | 40.9991% | 4,770 |
| Net loans and leases to core deposits | 47.2070% | 4,684 |
| Total domestic deposits to total assets | 88.7983% | 823 |
| Equity capital to assets | 11.0179% | 2,327 |
| Core capital (leverage) ratio | 10.2885% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6648% | 316 |
| Memoranda: | ||
| Average total assets | $25,197,333 | 4,969 |
| Average earning assets | $22,171,000 | 4,967 |
| Average equity | $2,744,667 | 4,980 |
| Average total loans | $9,319,667 | 4,963 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7077% | 4,378 |
| Cost of funding earning assets | 0.7239% | 2,813 |
| Net interest margin | 2.9838% | 4,309 |
| Noninterest income to average assets | 0.1740% | 4,498 |
| Noninterest expense to average assets | 2.4046% | 3,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4271% | 4,072 |
| Return on assets (ROA) | 0.4271% | 4,114 |
| Pretax return on assets | 0.4430% | 4,215 |
| Return on Equity (ROE) | 3.9438% | 3,967 |
| Retained earnings to average equity (ytd only) | -5.5505% | 4,556 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4444% | 802 |
| Assets per employee ($millions) | 5.0974% | 2,544 |
| Cash dividends to net income (ytd only)* | 240.7407% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8028% | 4,406 |
| Loan loss allowance to noncurrent loans | 151.0204% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 3,727 |
| Noncurrent loans to loans | 0.5316% | 2,671 |
| Net loans and leases to total assets | 35.8771% | 4,781 |
| Net loans and leases to deposits | 40.2890% | 4,832 |
| Net loans and leases to core deposits | 46.2402% | 4,768 |
| Total domestic deposits to total assets | 89.0493% | 641 |
| Equity capital to assets | 10.7192% | 3,117 |
| Core capital (leverage) ratio | 10.2113% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4909% | 349 |
| Memoranda: | ||
| Average total assets | $25,284,500 | 5,014 |
| Average earning assets | $22,655,500 | 5,007 |
| Average equity | $2,738,500 | 5,029 |
| Average total loans | $9,387,500 | 5,004 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7975% | 4,570 |
| Cost of funding earning assets | 0.6380% | 3,467 |
| Net interest margin | 3.1595% | 4,270 |
| Noninterest income to average assets | 0.5343% | 2,560 |
| Noninterest expense to average assets | 2.5840% | 3,225 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8015% | 3,548 |
| Return on assets (ROA) | 0.8015% | 3,635 |
| Pretax return on assets | 0.8534% | 3,867 |
| Return on Equity (ROE) | 7.7397% | 3,272 |
| Retained earnings to average equity (ytd only) | 4.8518% | 2,498 |
| Net charge-offs to loans | 0.1138% | 1,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 19.4545% | 1,998 |
| Efficiency ratio | 75.1740% | 1,464 |
| Assets per employee ($millions) | 5.0164% | 2,575 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7743% | 4,379 |
| Loan loss allowance to noncurrent loans | 117.4603% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 2,255 |
| Noncurrent loans to loans | 0.6592% | 2,241 |
| Net loans and leases to total assets | 37.8080% | 4,801 |
| Net loans and leases to deposits | 42.5915% | 4,861 |
| Net loans and leases to core deposits | 48.9673% | 4,774 |
| Total domestic deposits to total assets | 88.7688% | 760 |
| Equity capital to assets | 10.9441% | 3,057 |
| Core capital (leverage) ratio | 10.3636% | 3,109 |
| Tier 1 risk-based capital ratio | 26.3515% | 654 |
| Total risk-based capital ratio | 27.0583% | 674 |
| Memoranda: | ||
| Average total assets | $25,077,200 | 5,074 |
| Average earning assets | $23,041,400 | 5,064 |
| Average equity | $2,597,000 | 5,096 |
| Average total loans | $9,665,600 | 5,058 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8096% | 4,666 |
| Cost of funding earning assets | 0.6061% | 3,667 |
| Net interest margin | 3.2035% | 4,293 |
| Noninterest income to average assets | 0.3562% | 3,594 |
| Noninterest expense to average assets | 2.5203% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7231% | 3,934 |
| Return on assets (ROA) | 0.7231% | 4,004 |
| Pretax return on assets | 0.7869% | 4,146 |
| Return on Equity (ROE) | 7.0832% | 3,643 |
| Retained earnings to average equity (ytd only) | 3.1770% | 3,819 |
| Net charge-offs to loans | 0.1514% | 1,083 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 13.4513% | 2,296 |
| Efficiency ratio | 76.2058% | 1,308 |
| Assets per employee ($millions) | 4.9344% | 2,631 |
| Cash dividends to net income (ytd only)* | 55.1481% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7751% | 4,478 |
| Loan loss allowance to noncurrent loans | 91.3580% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 1,932 |
| Noncurrent loans to loans | 0.8484% | 1,885 |
| Net loans and leases to total assets | 38.3958% | 4,864 |
| Net loans and leases to deposits | 43.2972% | 4,925 |
| Net loans and leases to core deposits | 49.9078% | 4,838 |
| Total domestic deposits to total assets | 88.6795% | 753 |
| Equity capital to assets | 10.8423% | 3,257 |
| Core capital (leverage) ratio | 10.1225% | 3,506 |
| Tier 1 risk-based capital ratio | 25.6988% | 726 |
| Total risk-based capital ratio | 26.4047% | 748 |
| Memoranda: | ||
| Average total assets | $25,076,000 | 5,152 |
| Average earning assets | $23,099,250 | 5,137 |
| Average equity | $2,560,000 | 5,175 |
| Average total loans | $9,692,750 | 5,138 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 4,701 |
| Cost of funding earning assets | 0.5631% | 3,822 |
| Net interest margin | 3.2489% | 4,243 |
| Noninterest income to average assets | 0.3491% | 3,602 |
| Noninterest expense to average assets | 2.4751% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7695% | 3,754 |
| Return on assets (ROA) | 0.7695% | 3,822 |
| Pretax return on assets | 0.8488% | 3,975 |
| Return on Equity (ROE) | 7.6933% | 3,423 |
| Retained earnings to average equity (ytd only) | 3.7277% | 3,393 |
| Net charge-offs to loans | 0.2258% | 748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 9.7273% | 2,322 |
| Efficiency ratio | 74.4630% | 1,585 |
| Assets per employee ($millions) | 5.0178% | 2,457 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7672% | 4,557 |
| Loan loss allowance to noncurrent loans | 32.7434% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.2755% | 1,011 |
| Noncurrent loans to loans | 2.3432% | 548 |
| Net loans and leases to total assets | 38.1482% | 4,911 |
| Net loans and leases to deposits | 42.8194% | 4,979 |
| Net loans and leases to core deposits | 48.4436% | 4,901 |
| Total domestic deposits to total assets | 89.0908% | 628 |
| Equity capital to assets | 10.5465% | 3,480 |
| Core capital (leverage) ratio | 10.0718% | 3,520 |
| Tier 1 risk-based capital ratio | 25.3214% | 727 |
| Total risk-based capital ratio | 26.0208% | 756 |
| Memoranda: | ||
| Average total assets | $25,210,670 | 5,197 |
| Average earning assets | $23,085,000 | 5,188 |
| Average equity | $2,521,670 | 5,216 |
| Average total loans | $9,741,330 | 5,184 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8220% | 4,675 |
| Cost of funding earning assets | 0.5435% | 3,858 |
| Net interest margin | 3.2785% | 4,212 |
| Noninterest income to average assets | 0.3324% | 3,639 |
| Noninterest expense to average assets | 2.5325% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6964% | 3,949 |
| Return on assets (ROA) | 0.6964% | 3,987 |
| Pretax return on assets | 0.7597% | 4,150 |
| Return on Equity (ROE) | 7.1559% | 3,612 |
| Retained earnings to average equity (ytd only) | -0.9758% | 4,647 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9231% | 1,387 |
| Assets per employee ($millions) | 5.1460% | 2,341 |
| Cash dividends to net income (ytd only)* | 113.6364% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 4,254 |
| Loan loss allowance to noncurrent loans | 106.2500% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 2,072 |
| Noncurrent loans to loans | 0.8253% | 1,994 |
| Net loans and leases to total assets | 37.3416% | 4,975 |
| Net loans and leases to deposits | 41.5571% | 5,049 |
| Net loans and leases to core deposits | 45.6958% | 4,998 |
| Total domestic deposits to total assets | 89.8562% | 507 |
| Equity capital to assets | 9.7163% | 4,075 |
| Core capital (leverage) ratio | 9.9109% | 3,697 |
| Tier 1 risk-based capital ratio | 24.5146% | 797 |
| Total risk-based capital ratio | 25.3081% | 819 |
| Memoranda: | ||
| Average total assets | $25,271,500 | 5,252 |
| Average earning assets | $22,815,500 | 5,242 |
| Average equity | $2,459,500 | 5,274 |
| Average total loans | $9,789,500 | 5,246 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 4,487 |
| Cost of funding earning assets | 0.4492% | 3,690 |
| Net interest margin | 3.3514% | 4,127 |
| Noninterest income to average assets | 0.4813% | 2,938 |
| Noninterest expense to average assets | 2.6334% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8413% | 3,641 |
| Return on assets (ROA) | 0.8413% | 3,643 |
| Pretax return on assets | 0.8843% | 3,936 |
| Return on Equity (ROE) | 9.1731% | 2,903 |
| Retained earnings to average equity (ytd only) | 5.7599% | 2,316 |
| Net charge-offs to loans | -0.0202% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8610% | 1,512 |
| Assets per employee ($millions) | 4.9626% | 2,550 |
| Cash dividends to net income (ytd only)* | 37.2093% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 4,331 |
| Loan loss allowance to noncurrent loans | 69.6721% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 1,597 |
| Noncurrent loans to loans | 1.2341% | 1,290 |
| Net loans and leases to total assets | 39.4995% | 4,965 |
| Net loans and leases to deposits | 43.9605% | 5,031 |
| Net loans and leases to core deposits | 48.4958% | 4,980 |
| Total domestic deposits to total assets | 89.8521% | 524 |
| Equity capital to assets | 9.7489% | 3,905 |
| Core capital (leverage) ratio | 9.9705% | 3,619 |
| Tier 1 risk-based capital ratio | 24.6651% | 770 |
| Total risk-based capital ratio | 25.4614% | 789 |
| Memoranda: | ||
| Average total assets | $25,556,000 | 5,294 |
| Average earning assets | $23,154,400 | 5,285 |
| Average equity | $2,343,800 | 5,332 |
| Average total loans | $9,906,400 | 5,289 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7599% | 4,531 |
| Cost of funding earning assets | 0.4420% | 3,586 |
| Net interest margin | 3.3179% | 4,232 |
| Noninterest income to average assets | 0.4558% | 3,134 |
| Noninterest expense to average assets | 2.5431% | 3,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8235% | 3,830 |
| Return on assets (ROA) | 0.8235% | 3,840 |
| Pretax return on assets | 0.9064% | 4,002 |
| Return on Equity (ROE) | 9.1178% | 3,033 |
| Retained earnings to average equity (ytd only) | 5.9639% | 2,672 |
| Net charge-offs to loans | -0.0269% | 4,715 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7237% | 1,636 |
| Assets per employee ($millions) | 5.0630% | 2,390 |
| Cash dividends to net income (ytd only)* | 34.5913% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 4,415 |
| Loan loss allowance to noncurrent loans | 54.4872% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 0.9876% | 1,475 |
| Noncurrent loans to loans | 1.5793% | 1,010 |
| Net loans and leases to total assets | 38.6846% | 5,066 |
| Net loans and leases to deposits | 42.7661% | 5,136 |
| Net loans and leases to core deposits | 47.0478% | 5,085 |
| Total domestic deposits to total assets | 90.4563% | 359 |
| Equity capital to assets | 9.1724% | 4,398 |
| Core capital (leverage) ratio | 9.8713% | 3,772 |
| Tier 1 risk-based capital ratio | 24.4271% | 801 |
| Total risk-based capital ratio | 25.2254% | 831 |
| Memoranda: | ||
| Average total assets | $25,741,750 | 5,358 |
| Average earning assets | $23,226,750 | 5,351 |
| Average equity | $2,325,000 | 5,403 |
| Average total loans | $9,911,500 | 5,357 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7222% | 4,531 |
| Cost of funding earning assets | 0.4364% | 3,451 |
| Net interest margin | 3.2858% | 4,289 |
| Noninterest income to average assets | 0.4791% | 2,980 |
| Noninterest expense to average assets | 2.4726% | 3,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8809% | 3,543 |
| Return on assets (ROA) | 0.8809% | 3,546 |
| Pretax return on assets | 0.9736% | 3,739 |
| Return on Equity (ROE) | 9.8022% | 2,656 |
| Retained earnings to average equity (ytd only) | 5.3310% | 2,922 |
| Net charge-offs to loans | -0.0403% | 4,844 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7489% | 2,042 |
| Assets per employee ($millions) | 5.0930% | 2,300 |
| Cash dividends to net income (ytd only)* | 45.6140% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8705% | 4,468 |
| Loan loss allowance to noncurrent loans | 114.8649% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 2,258 |
| Noncurrent loans to loans | 0.7579% | 2,221 |
| Net loans and leases to total assets | 38.0090% | 5,122 |
| Net loans and leases to deposits | 41.9786% | 5,195 |
| Net loans and leases to core deposits | 46.1388% | 5,145 |
| Total domestic deposits to total assets | 90.5439% | 386 |
| Equity capital to assets | 9.1341% | 4,448 |
| Core capital (leverage) ratio | 9.6928% | 3,899 |
| Tier 1 risk-based capital ratio | 24.1074% | 824 |
| Total risk-based capital ratio | 24.9081% | 839 |
| Memoranda: | ||
| Average total assets | $25,884,000 | 5,420 |
| Average earning assets | $23,373,330 | 5,414 |
| Average equity | $2,326,000 | 5,464 |
| Average total loans | $9,922,670 | 5,417 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 4,500 |
| Cost of funding earning assets | 0.4416% | 3,275 |
| Net interest margin | 3.2443% | 4,326 |
| Noninterest income to average assets | 0.4905% | 2,867 |
| Noninterest expense to average assets | 2.4067% | 3,924 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9198% | 3,203 |
| Return on assets (ROA) | 0.9198% | 3,218 |
| Pretax return on assets | 1.0117% | 3,492 |
| Return on Equity (ROE) | 10.3181% | 2,268 |
| Retained earnings to average equity (ytd only) | 2.5795% | 4,144 |
| Net charge-offs to loans | -0.0400% | 4,872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4036% | 2,423 |
| Assets per employee ($millions) | 5.2622% | 2,180 |
| Cash dividends to net income (ytd only)* | 75.0000% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 4,670 |
| Loan loss allowance to noncurrent loans | 144.8276% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.5777% | 2,591 |
| Noncurrent loans to loans | 0.5814% | 2,800 |
| Net loans and leases to total assets | 37.5964% | 5,154 |
| Net loans and leases to deposits | 41.3251% | 5,240 |
| Net loans and leases to core deposits | 46.0994% | 5,158 |
| Total domestic deposits to total assets | 90.9772% | 331 |
| Equity capital to assets | 8.7264% | 4,806 |
| Core capital (leverage) ratio | 9.5087% | 4,061 |
| Tier 1 risk-based capital ratio | 23.1692% | 925 |
| Total risk-based capital ratio | 23.9439% | 950 |
| Memoranda: | ||
| Average total assets | $26,093,500 | 5,478 |
| Average earning assets | $23,549,000 | 5,472 |
| Average equity | $2,326,000 | 5,521 |
| Average total loans | $10,002,000 | 5,476 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5051% | 4,780 |
| Cost of funding earning assets | 0.4525% | 2,754 |
| Net interest margin | 3.0526% | 4,782 |
| Noninterest income to average assets | 0.4408% | 3,368 |
| Noninterest expense to average assets | 2.5018% | 3,777 |
| Loan and lease loss provision to assets | 0.0851% | 2,503 |
| Net operating income to assets | 0.5800% | 4,098 |
| Return on assets (ROA) | 0.5800% | 4,137 |
| Pretax return on assets | 0.6187% | 4,697 |
| Return on Equity (ROE) | 6.4015% | 3,577 |
| Retained earnings to average equity (ytd only) | 3.3715% | 3,270 |
| Net charge-offs to loans | 0.2427% | 1,071 |
| Credit loss provision to net charge-offs | 95.6522% | 2,696 |
| Earnings coverage of net charge-offs (x) | 7.9130% | 2,977 |
| Efficiency ratio | 78.0458% | 1,342 |
| Assets per employee ($millions) | 3.2345% | 4,998 |
| Cash dividends to net income (ytd only)* | 47.3333% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8277% | 4,747 |
| Loan loss allowance to noncurrent loans | 50.6098% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 0.9971% | 1,550 |
| Noncurrent loans to loans | 1.6354% | 1,009 |
| Net loans and leases to total assets | 38.4333% | 5,201 |
| Net loans and leases to deposits | 42.4112% | 5,284 |
| Net loans and leases to core deposits | 47.4091% | 5,212 |
| Total domestic deposits to total assets | 90.6207% | 358 |
| Equity capital to assets | 9.1050% | 4,614 |
| Core capital (leverage) ratio | 8.5581% | 5,089 |
| Tier 1 risk-based capital ratio | 20.4016% | 1,250 |
| Total risk-based capital ratio | 21.1661% | 1,304 |
| Memoranda: | ||
| Average total assets | $25,861,600 | 5,536 |
| Average earning assets | $23,423,000 | 5,525 |
| Average equity | $2,343,200 | 5,582 |
| Average total loans | $9,476,600 | 5,549 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4729% | 4,859 |
| Cost of funding earning assets | 0.4547% | 2,676 |
| Net interest margin | 3.0182% | 4,883 |
| Noninterest income to average assets | 0.4331% | 3,448 |
| Noninterest expense to average assets | 2.4802% | 3,799 |
| Loan and lease loss provision to assets | 0.0309% | 3,499 |
| Net operating income to assets | 0.5981% | 4,401 |
| Return on assets (ROA) | 0.5981% | 4,437 |
| Pretax return on assets | 0.6600% | 4,707 |
| Return on Equity (ROE) | 6.6094% | 3,858 |
| Retained earnings to average equity (ytd only) | 3.9316% | 3,582 |
| Net charge-offs to loans | -0.0999% | 5,383 |
| Credit loss provision to net charge-offs | -85.7143% | 4,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2114% | 1,307 |
| Assets per employee ($millions) | 3.2186% | 5,048 |
| Cash dividends to net income (ytd only)* | 40.5211% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 3,984 |
| Loan loss allowance to noncurrent loans | 67.8322% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 0.9204% | 1,854 |
| Noncurrent loans to loans | 1.4953% | 1,249 |
| Net loans and leases to total assets | 36.7626% | 5,318 |
| Net loans and leases to deposits | 40.7122% | 5,398 |
| Net loans and leases to core deposits | 45.5534% | 5,326 |
| Total domestic deposits to total assets | 90.2987% | 377 |
| Equity capital to assets | 9.3790% | 4,564 |
| Core capital (leverage) ratio | 9.1345% | 4,589 |
| Tier 1 risk-based capital ratio | 22.0226% | 1,043 |
| Total risk-based capital ratio | 22.9351% | 1,065 |
| Memoranda: | ||
| Average total assets | $25,858,000 | 5,600 |
| Average earning assets | $23,457,250 | 5,589 |
| Average equity | $2,340,000 | 5,646 |
| Average total loans | $9,338,750 | 5,613 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4515% | 4,874 |
| Cost of funding earning assets | 0.4579% | 2,523 |
| Net interest margin | 2.9936% | 4,928 |
| Noninterest income to average assets | 0.4248% | 3,526 |
| Noninterest expense to average assets | 2.5025% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5870% | 4,360 |
| Return on assets (ROA) | 0.5870% | 4,414 |
| Pretax return on assets | 0.6488% | 4,689 |
| Return on Equity (ROE) | 6.5659% | 3,794 |
| Retained earnings to average equity (ytd only) | 2.6782% | 4,096 |
| Net charge-offs to loans | -0.0432% | 5,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4118% | 1,278 |
| Assets per employee ($millions) | 3.2108% | 5,078 |
| Cash dividends to net income (ytd only)* | 59.2105% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 4,642 |
| Loan loss allowance to noncurrent loans | 165.3846% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 2,863 |
| Noncurrent loans to loans | 0.5440% | 3,115 |
| Net loans and leases to total assets | 36.8761% | 5,343 |
| Net loans and leases to deposits | 40.7030% | 5,432 |
| Net loans and leases to core deposits | 44.9891% | 5,374 |
| Total domestic deposits to total assets | 90.5980% | 324 |
| Equity capital to assets | 9.0867% | 4,816 |
| Core capital (leverage) ratio | 8.4038% | 5,282 |
| Tier 1 risk-based capital ratio | 20.8384% | 1,218 |
| Total risk-based capital ratio | 21.6468% | 1,267 |
| Memoranda: | ||
| Average total assets | $25,894,330 | 5,646 |
| Average earning assets | $23,584,000 | 5,634 |
| Average equity | $2,315,000 | 5,693 |
| Average total loans | $9,264,000 | 5,662 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3436% | 5,045 |
| Cost of funding earning assets | 0.4536% | 2,497 |
| Net interest margin | 2.8899% | 5,105 |
| Noninterest income to average assets | 0.4154% | 3,560 |
| Noninterest expense to average assets | 2.4771% | 3,888 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5231% | 4,504 |
| Return on assets (ROA) | 0.5231% | 4,539 |
| Pretax return on assets | 0.5846% | 4,763 |
| Return on Equity (ROE) | 5.8989% | 3,962 |
| Retained earnings to average equity (ytd only) | -1.9085% | 5,159 |
| Net charge-offs to loans | -0.0439% | 5,125 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9045% | 1,272 |
| Assets per employee ($millions) | 3.3270% | 5,022 |
| Cash dividends to net income (ytd only)* | 132.3529% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 4,630 |
| Loan loss allowance to noncurrent loans | 137.0968% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 2,891 |
| Noncurrent loans to loans | 0.6800% | 2,812 |
| Net loans and leases to total assets | 33.9345% | 5,473 |
| Net loans and leases to deposits | 37.2346% | 5,545 |
| Net loans and leases to core deposits | 40.2478% | 5,515 |
| Total domestic deposits to total assets | 91.1369% | 263 |
| Equity capital to assets | 8.6076% | 5,147 |
| Core capital (leverage) ratio | 8.2658% | 5,402 |
| Tier 1 risk-based capital ratio | 20.4268% | 1,311 |
| Total risk-based capital ratio | 21.2258% | 1,368 |
| Memoranda: | ||
| Average total assets | $25,998,500 | 5,714 |
| Average earning assets | $23,807,000 | 5,698 |
| Average equity | $2,305,500 | 5,758 |
| Average total loans | $9,117,000 | 5,730 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3388% | 5,101 |
| Cost of funding earning assets | 0.4701% | 2,348 |
| Net interest margin | 2.8687% | 5,185 |
| Noninterest income to average assets | 0.4557% | 3,506 |
| Noninterest expense to average assets | 2.4909% | 4,042 |
| Loan and lease loss provision to assets | 0.0943% | 2,478 |
| Net operating income to assets | 0.4479% | 4,806 |
| Return on assets (ROA) | 0.4479% | 4,886 |
| Pretax return on assets | 0.4597% | 5,103 |
| Return on Equity (ROE) | 4.8465% | 4,494 |
| Retained earnings to average equity (ytd only) | 1.8706% | 4,467 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8065% | 1,224 |
| Assets per employee ($millions) | 3.1726% | 5,189 |
| Cash dividends to net income (ytd only)* | 61.4035% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 4,690 |
| Loan loss allowance to noncurrent loans | 227.0270% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 3,198 |
| Noncurrent loans to loans | 0.4058% | 3,692 |
| Net loans and leases to total assets | 35.5896% | 5,498 |
| Net loans and leases to deposits | 39.2500% | 5,569 |
| Net loans and leases to core deposits | 42.6085% | 5,535 |
| Total domestic deposits to total assets | 90.6741% | 394 |
| Equity capital to assets | 9.1407% | 4,658 |
| Core capital (leverage) ratio | 9.4557% | 4,145 |
| Tier 1 risk-based capital ratio | 23.4020% | 925 |
| Total risk-based capital ratio | 24.2143% | 955 |
| Memoranda: | ||
| Average total assets | $25,452,600 | 5,772 |
| Average earning assets | $22,972,200 | 5,758 |
| Average equity | $2,352,200 | 5,815 |
| Average total loans | $9,153,200 | 5,782 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3346% | 5,159 |
| Cost of funding earning assets | 0.4772% | 2,294 |
| Net interest margin | 2.8574% | 5,253 |
| Noninterest income to average assets | 0.4135% | 3,827 |
| Noninterest expense to average assets | 2.5545% | 3,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3978% | 5,023 |
| Return on assets (ROA) | 0.3978% | 5,121 |
| Pretax return on assets | 0.4292% | 5,259 |
| Return on Equity (ROE) | 4.2932% | 4,795 |
| Retained earnings to average equity (ytd only) | 1.6947% | 4,828 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6140% | 853 |
| Assets per employee ($millions) | 3.1528% | 5,238 |
| Cash dividends to net income (ytd only)* | 60.5250% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6470% | 5,535 |
| Loan loss allowance to noncurrent loans | 45.1128% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 0.9000% | 2,306 |
| Noncurrent loans to loans | 1.4343% | 1,511 |
| Net loans and leases to total assets | 36.5276% | 5,528 |
| Net loans and leases to deposits | 40.5092% | 5,619 |
| Net loans and leases to core deposits | 44.0161% | 5,581 |
| Total domestic deposits to total assets | 90.1713% | 416 |
| Equity capital to assets | 9.5314% | 4,627 |
| Core capital (leverage) ratio | 9.4406% | 4,271 |
| Tier 1 risk-based capital ratio | 22.8265% | 1,026 |
| Total risk-based capital ratio | 23.3960% | 1,101 |
| Memoranda: | ||
| Average total assets | $25,470,500 | 5,833 |
| Average earning assets | $22,911,000 | 5,823 |
| Average equity | $2,360,250 | 5,876 |
| Average total loans | $9,162,250 | 5,847 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3128% | 5,266 |
| Cost of funding earning assets | 0.4808% | 2,264 |
| Net interest margin | 2.8321% | 5,378 |
| Noninterest income to average assets | 0.4305% | 3,659 |
| Noninterest expense to average assets | 2.5672% | 3,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3757% | 5,105 |
| Return on assets (ROA) | 0.3757% | 5,191 |
| Pretax return on assets | 0.3992% | 5,341 |
| Return on Equity (ROE) | 4.0926% | 4,877 |
| Retained earnings to average equity (ytd only) | 0.2558% | 5,229 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5435% | 832 |
| Assets per employee ($millions) | 3.2224% | 5,175 |
| Cash dividends to net income (ytd only)* | 93.7500% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6574% | 5,594 |
| Loan loss allowance to noncurrent loans | 93.7500% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.9659% | 2,217 |
| Noncurrent loans to loans | 0.7012% | 2,977 |
| Net loans and leases to total assets | 35.1720% | 5,639 |
| Net loans and leases to deposits | 38.8441% | 5,727 |
| Net loans and leases to core deposits | 42.1075% | 5,679 |
| Total domestic deposits to total assets | 90.5466% | 302 |
| Equity capital to assets | 9.2090% | 5,060 |
| Core capital (leverage) ratio | 9.1125% | 4,700 |
| Tier 1 risk-based capital ratio | 22.5895% | 1,067 |
| Total risk-based capital ratio | 23.1595% | 1,128 |
| Memoranda: | ||
| Average total assets | $25,553,330 | 5,905 |
| Average earning assets | $22,880,670 | 5,898 |
| Average equity | $2,345,670 | 5,951 |
| Average total loans | $9,125,330 | 5,924 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3089% | 5,303 |
| Cost of funding earning assets | 0.4876% | 2,201 |
| Net interest margin | 2.8213% | 5,440 |
| Noninterest income to average assets | 0.4088% | 3,759 |
| Noninterest expense to average assets | 2.5314% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3931% | 5,015 |
| Return on assets (ROA) | 0.3931% | 5,091 |
| Pretax return on assets | 0.4245% | 5,256 |
| Return on Equity (ROE) | 4.2891% | 4,783 |
| Retained earnings to average equity (ytd only) | -3.4313% | 5,510 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6383% | 1,010 |
| Assets per employee ($millions) | 3.2353% | 5,216 |
| Cash dividends to net income (ytd only)* | 180.0000% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6564% | 5,669 |
| Loan loss allowance to noncurrent loans | 80.0000% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.0046% | 2,200 |
| Noncurrent loans to loans | 0.8205% | 2,787 |
| Net loans and leases to total assets | 35.0862% | 5,673 |
| Net loans and leases to deposits | 38.6854% | 5,756 |
| Net loans and leases to core deposits | 41.9117% | 5,716 |
| Total domestic deposits to total assets | 90.6962% | 364 |
| Equity capital to assets | 9.0604% | 5,114 |
| Core capital (leverage) ratio | 9.1423% | 4,670 |
| Tier 1 risk-based capital ratio | 22.1561% | 1,142 |
| Total risk-based capital ratio | 22.7230% | 1,214 |
| Memoranda: | ||
| Average total assets | $25,440,500 | 5,966 |
| Average earning assets | $22,968,500 | 5,950 |
| Average equity | $2,331,500 | 6,010 |
| Average total loans | $9,124,500 | 5,979 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3319% | 5,290 |
| Cost of funding earning assets | 0.5198% | 1,996 |
| Net interest margin | 2.8121% | 5,486 |
| Noninterest income to average assets | 0.4327% | 3,802 |
| Noninterest expense to average assets | 2.4365% | 4,420 |
| Loan and lease loss provision to assets | 0.1209% | 1,985 |
| Net operating income to assets | 0.4132% | 5,010 |
| Return on assets (ROA) | 0.4132% | 5,095 |
| Pretax return on assets | 0.4483% | 5,229 |
| Return on Equity (ROE) | 4.6479% | 4,684 |
| Retained earnings to average equity (ytd only) | 1.3593% | 4,951 |
| Net charge-offs to loans | 0.4951% | 539 |
| Credit loss provision to net charge-offs | 64.5833% | 3,200 |
| Earnings coverage of net charge-offs (x) | 3.0417% | 3,788 |
| Efficiency ratio | 81.0636% | 1,525 |
| Assets per employee ($millions) | 3.1249% | 5,385 |
| Cash dividends to net income (ytd only)* | 70.7547% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6588% | 5,712 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.1240% | 1,951 |
| Noncurrent loans to loans | 1.0540% | 2,229 |
| Net loans and leases to total assets | 36.1934% | 5,702 |
| Net loans and leases to deposits | 40.0124% | 5,772 |
| Net loans and leases to core deposits | 43.4833% | 5,730 |
| Total domestic deposits to total assets | 90.4556% | 448 |
| Equity capital to assets | 9.2724% | 4,820 |
| Core capital (leverage) ratio | 9.5278% | 4,136 |
| Tier 1 risk-based capital ratio | 22.5954% | 1,069 |
| Total risk-based capital ratio | 23.1662% | 1,141 |
| Memoranda: | ||
| Average total assets | $25,651,600 | 6,018 |
| Average earning assets | $23,469,800 | 6,004 |
| Average equity | $2,280,600 | 6,070 |
| Average total loans | $9,694,800 | 6,021 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3128% | 5,384 |
| Cost of funding earning assets | 0.5343% | 1,937 |
| Net interest margin | 2.7785% | 5,618 |
| Noninterest income to average assets | 0.4442% | 3,759 |
| Noninterest expense to average assets | 2.4585% | 4,325 |
| Loan and lease loss provision to assets | 0.0878% | 2,399 |
| Net operating income to assets | 0.4080% | 5,136 |
| Return on assets (ROA) | 0.4080% | 5,228 |
| Pretax return on assets | 0.4494% | 5,350 |
| Return on Equity (ROE) | 4.6375% | 4,782 |
| Retained earnings to average equity (ytd only) | 1.9958% | 4,881 |
| Net charge-offs to loans | 0.5149% | 466 |
| Credit loss provision to net charge-offs | 44.7368% | 3,106 |
| Earnings coverage of net charge-offs (x) | 2.7365% | 3,609 |
| Efficiency ratio | 82.0690% | 1,388 |
| Assets per employee ($millions) | 3.0929% | 5,437 |
| Cash dividends to net income (ytd only)* | 56.9638% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5918% | 5,908 |
| Loan loss allowance to noncurrent loans | 15.2589% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 1.8632% | 1,127 |
| Noncurrent loans to loans | 3.8783% | 351 |
| Net loans and leases to total assets | 38.0188% | 5,702 |
| Net loans and leases to deposits | 42.1064% | 5,801 |
| Net loans and leases to core deposits | 45.8029% | 5,736 |
| Total domestic deposits to total assets | 90.2922% | 470 |
| Equity capital to assets | 9.3319% | 4,967 |
| Core capital (leverage) ratio | 9.3567% | 4,507 |
| Tier 1 risk-based capital ratio | 22.1539% | 1,176 |
| Total risk-based capital ratio | 22.6756% | 1,255 |
| Memoranda: | ||
| Average total assets | $25,814,750 | 6,102 |
| Average earning assets | $23,705,000 | 6,081 |
| Average equity | $2,271,250 | 6,156 |
| Average total loans | $9,841,500 | 6,097 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3100% | 5,422 |
| Cost of funding earning assets | 0.5489% | 1,830 |
| Net interest margin | 2.7611% | 5,688 |
| Noninterest income to average assets | 0.4203% | 3,913 |
| Noninterest expense to average assets | 2.4224% | 4,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4967% | 4,783 |
| Return on assets (ROA) | 0.4967% | 4,888 |
| Pretax return on assets | 0.5349% | 5,136 |
| Return on Equity (ROE) | 5.7556% | 4,252 |
| Retained earnings to average equity (ytd only) | 1.7710% | 4,813 |
| Net charge-offs to loans | 0.6220% | 374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.2581% | 3,378 |
| Efficiency ratio | 81.9121% | 1,502 |
| Assets per employee ($millions) | 3.2676% | 5,214 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4831% | 6,102 |
| Loan loss allowance to noncurrent loans | 18.3267% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 1.3159% | 1,907 |
| Noncurrent loans to loans | 2.6360% | 833 |
| Net loans and leases to total assets | 36.2496% | 5,804 |
| Net loans and leases to deposits | 39.8520% | 5,907 |
| Net loans and leases to core deposits | 43.1178% | 5,861 |
| Total domestic deposits to total assets | 90.9606% | 302 |
| Equity capital to assets | 8.6990% | 5,525 |
| Core capital (leverage) ratio | 8.9093% | 5,082 |
| Tier 1 risk-based capital ratio | 21.5066% | 1,282 |
| Total risk-based capital ratio | 21.9250% | 1,397 |
| Memoranda: | ||
| Average total assets | $26,172,000 | 6,168 |
| Average earning assets | $24,048,670 | 6,148 |
| Average equity | $2,258,670 | 6,229 |
| Average total loans | $9,967,670 | 6,165 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2581% | 5,539 |
| Cost of funding earning assets | 0.5486% | 1,861 |
| Net interest margin | 2.7096% | 5,783 |
| Noninterest income to average assets | 0.3819% | 4,149 |
| Noninterest expense to average assets | 2.3675% | 4,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4735% | 4,785 |
| Return on assets (ROA) | 0.4735% | 4,904 |
| Pretax return on assets | 0.5041% | 5,173 |
| Return on Equity (ROE) | 5.5087% | 4,278 |
| Retained earnings to average equity (ytd only) | -2.4878% | 5,743 |
| Net charge-offs to loans | 0.2355% | 1,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,383 |
| Efficiency ratio | 82.4468% | 1,570 |
| Assets per employee ($millions) | 3.3084% | 5,230 |
| Cash dividends to net income (ytd only)* | 145.1613% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7072% | 5,893 |
| Loan loss allowance to noncurrent loans | 24.2321% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 1.5453% | 1,673 |
| Noncurrent loans to loans | 2.9186% | 765 |
| Net loans and leases to total assets | 37.6620% | 5,740 |
| Net loans and leases to deposits | 41.3885% | 5,869 |
| Net loans and leases to core deposits | 44.7296% | 5,815 |
| Total domestic deposits to total assets | 90.9963% | 367 |
| Equity capital to assets | 8.6636% | 5,603 |
| Core capital (leverage) ratio | 8.8795% | 5,099 |
| Tier 1 risk-based capital ratio | 21.0869% | 1,401 |
| Total risk-based capital ratio | 21.7194% | 1,497 |
| Memoranda: | ||
| Average total assets | $26,187,500 | 6,237 |
| Average earning assets | $24,063,000 | 6,212 |
| Average equity | $2,251,000 | 6,295 |
| Average total loans | $10,190,500 | 6,227 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4547% | 5,425 |
| Cost of funding earning assets | 0.5744% | 2,007 |
| Net interest margin | 2.8803% | 5,683 |
| Noninterest income to average assets | 0.4489% | 3,835 |
| Noninterest expense to average assets | 2.6514% | 4,042 |
| Loan and lease loss provision to assets | 0.0609% | 3,305 |
| Net operating income to assets | 0.3348% | 5,429 |
| Return on assets (ROA) | 0.3348% | 5,497 |
| Pretax return on assets | 0.3690% | 5,561 |
| Return on Equity (ROE) | 4.0794% | 5,078 |
| Retained earnings to average equity (ytd only) | 0.6026% | 5,503 |
| Net charge-offs to loans | -0.0471% | 5,915 |
| Credit loss provision to net charge-offs | -320.0000% | 5,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0494% | 1,166 |
| Assets per employee ($millions) | 3.2385% | 5,376 |
| Cash dividends to net income (ytd only)* | 85.2273% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7445% | 5,894 |
| Loan loss allowance to noncurrent loans | 53.1034% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 1.0074% | 2,737 |
| Noncurrent loans to loans | 1.4020% | 2,090 |
| Net loans and leases to total assets | 39.6210% | 5,772 |
| Net loans and leases to deposits | 43.4497% | 5,898 |
| Net loans and leases to core deposits | 47.0268% | 5,850 |
| Total domestic deposits to total assets | 91.1881% | 307 |
| Equity capital to assets | 8.5263% | 5,730 |
| Core capital (leverage) ratio | 9.0470% | 4,911 |
| Tier 1 risk-based capital ratio | 20.7823% | 1,445 |
| Total risk-based capital ratio | 21.4653% | 1,527 |
| Memoranda: | ||
| Average total assets | $26,288,200 | 6,321 |
| Average earning assets | $24,025,200 | 6,293 |
| Average equity | $2,157,200 | 6,385 |
| Average total loans | $10,611,200 | 6,301 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4625% | 5,462 |
| Cost of funding earning assets | 0.5762% | 2,053 |
| Net interest margin | 2.8864% | 5,730 |
| Noninterest income to average assets | 0.4649% | 3,770 |
| Noninterest expense to average assets | 2.5773% | 4,266 |
| Loan and lease loss provision to assets | 0.0910% | 2,535 |
| Net operating income to assets | 0.3992% | 5,249 |
| Return on assets (ROA) | 0.3992% | 5,328 |
| Pretax return on assets | 0.4296% | 5,523 |
| Return on Equity (ROE) | 4.9122% | 4,762 |
| Retained earnings to average equity (ytd only) | 1.9900% | 5,059 |
| Net charge-offs to loans | -0.0499% | 5,907 |
| Credit loss provision to net charge-offs | -450.0000% | 5,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1974% | 1,474 |
| Assets per employee ($millions) | 3.1848% | 5,460 |
| Cash dividends to net income (ytd only)* | 59.4987% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7456% | 6,005 |
| Loan loss allowance to noncurrent loans | 23.7082% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 2.6533% | 966 |
| Noncurrent loans to loans | 3.1450% | 815 |
| Net loans and leases to total assets | 40.7528% | 5,771 |
| Net loans and leases to deposits | 44.7389% | 5,933 |
| Net loans and leases to core deposits | 48.4870% | 5,857 |
| Total domestic deposits to total assets | 91.0904% | 337 |
| Equity capital to assets | 8.5446% | 5,766 |
| Core capital (leverage) ratio | 9.0081% | 5,058 |
| Tier 1 risk-based capital ratio | 20.4784% | 1,559 |
| Total risk-based capital ratio | 21.1543% | 1,666 |
| Memoranda: | ||
| Average total assets | $26,383,250 | 6,396 |
| Average earning assets | $24,066,500 | 6,369 |
| Average equity | $2,144,250 | 6,461 |
| Average total loans | $10,678,500 | 6,370 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4371% | 5,550 |
| Cost of funding earning assets | 0.5742% | 2,125 |
| Net interest margin | 2.8628% | 5,793 |
| Noninterest income to average assets | 0.4497% | 3,877 |
| Noninterest expense to average assets | 2.5557% | 4,393 |
| Loan and lease loss provision to assets | 0.0899% | 2,528 |
| Net operating income to assets | 0.3897% | 5,264 |
| Return on assets (ROA) | 0.3897% | 5,332 |
| Pretax return on assets | 0.4197% | 5,499 |
| Return on Equity (ROE) | 4.8750% | 4,736 |
| Retained earnings to average equity (ytd only) | 0.4688% | 5,557 |
| Net charge-offs to loans | -0.0186% | 5,520 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3741% | 1,586 |
| Assets per employee ($millions) | 3.3606% | 5,136 |
| Cash dividends to net income (ytd only)* | 90.3846% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6635% | 6,226 |
| Loan loss allowance to noncurrent loans | 31.9444% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 2.0941% | 1,498 |
| Noncurrent loans to loans | 2.0771% | 1,613 |
| Net loans and leases to total assets | 38.4229% | 5,930 |
| Net loans and leases to deposits | 41.9714% | 6,068 |
| Net loans and leases to core deposits | 44.5604% | 6,044 |
| Total domestic deposits to total assets | 91.5455% | 252 |
| Equity capital to assets | 8.1198% | 6,084 |
| Core capital (leverage) ratio | 8.5613% | 5,575 |
| Tier 1 risk-based capital ratio | 19.8403% | 1,723 |
| Total risk-based capital ratio | 20.4265% | 1,842 |
| Memoranda: | ||
| Average total assets | $26,685,000 | 6,455 |
| Average earning assets | $24,381,330 | 6,424 |
| Average equity | $2,133,330 | 6,522 |
| Average total loans | $10,751,000 | 6,425 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4940% | 5,442 |
| Cost of funding earning assets | 0.5768% | 2,182 |
| Net interest margin | 2.9172% | 5,717 |
| Noninterest income to average assets | 0.4815% | 3,556 |
| Noninterest expense to average assets | 2.5428% | 4,470 |
| Loan and lease loss provision to assets | 0.0903% | 2,411 |
| Net operating income to assets | 0.4664% | 4,865 |
| Return on assets (ROA) | 0.4664% | 4,931 |
| Pretax return on assets | 0.5116% | 5,134 |
| Return on Equity (ROE) | 5.8810% | 4,082 |
| Retained earnings to average equity (ytd only) | -1.7074% | 5,825 |
| Net charge-offs to loans | -0.0366% | 5,673 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8612% | 2,071 |
| Assets per employee ($millions) | 3.3854% | 5,181 |
| Cash dividends to net income (ytd only)* | 129.0323% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5926% | 6,418 |
| Loan loss allowance to noncurrent loans | 44.0559% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 1.8351% | 1,896 |
| Noncurrent loans to loans | 1.3451% | 2,791 |
| Net loans and leases to total assets | 39.0208% | 5,875 |
| Net loans and leases to deposits | 42.5272% | 6,050 |
| Net loans and leases to core deposits | 45.8303% | 6,003 |
| Total domestic deposits to total assets | 91.7550% | 313 |
| Equity capital to assets | 7.9238% | 6,100 |
| Core capital (leverage) ratio | 8.6590% | 5,446 |
| Tier 1 risk-based capital ratio | 19.6863% | 1,794 |
| Total risk-based capital ratio | 20.2204% | 1,940 |
| Memoranda: | ||
| Average total assets | $26,585,000 | 6,525 |
| Average earning assets | $24,270,000 | 6,491 |
| Average equity | $2,108,500 | 6,585 |
| Average total loans | $10,927,000 | 6,485 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5886% | 5,435 |
| Cost of funding earning assets | 0.6294% | 2,395 |
| Net interest margin | 2.9592% | 5,663 |
| Noninterest income to average assets | 0.4183% | 4,312 |
| Noninterest expense to average assets | 2.5741% | 4,544 |
| Loan and lease loss provision to assets | 0.1508% | 2,396 |
| Net operating income to assets | 0.3807% | 5,214 |
| Return on assets (ROA) | 0.3807% | 5,333 |
| Pretax return on assets | 0.4221% | 5,434 |
| Return on Equity (ROE) | 4.6625% | 4,806 |
| Retained earnings to average equity (ytd only) | 1.8927% | 4,885 |
| Net charge-offs to loans | 1.1389% | 479 |
| Credit loss provision to net charge-offs | 30.0752% | 4,249 |
| Earnings coverage of net charge-offs (x) | 1.1429% | 4,695 |
| Efficiency ratio | 81.7964% | 1,905 |
| Assets per employee ($millions) | 3.2609% | 5,363 |
| Cash dividends to net income (ytd only)* | 59.4059% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4990% | 6,573 |
| Loan loss allowance to noncurrent loans | 48.2759% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 1.7748% | 2,081 |
| Noncurrent loans to loans | 1.0336% | 3,445 |
| Net loans and leases to total assets | 42.8068% | 5,766 |
| Net loans and leases to deposits | 46.6614% | 5,970 |
| Net loans and leases to core deposits | 50.4290% | 5,905 |
| Total domestic deposits to total assets | 91.7392% | 349 |
| Equity capital to assets | 7.9388% | 6,064 |
| Core capital (leverage) ratio | 8.8868% | 5,158 |
| Tier 1 risk-based capital ratio | 19.6278% | 1,748 |
| Total risk-based capital ratio | 20.0994% | 1,929 |
| Memoranda: | ||
| Average total assets | $26,533,400 | 6,594 |
| Average earning assets | $24,466,200 | 6,567 |
| Average equity | $2,166,200 | 6,666 |
| Average total loans | $11,678,000 | 6,531 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5245% | 5,627 |
| Cost of funding earning assets | 0.6389% | 2,463 |
| Net interest margin | 2.8857% | 5,851 |
| Noninterest income to average assets | 0.4153% | 4,408 |
| Noninterest expense to average assets | 2.5370% | 4,590 |
| Loan and lease loss provision to assets | 0.1151% | 2,849 |
| Net operating income to assets | 0.3853% | 5,299 |
| Return on assets (ROA) | 0.3853% | 5,436 |
| Pretax return on assets | 0.4303% | 5,550 |
| Return on Equity (ROE) | 4.6877% | 4,882 |
| Retained earnings to average equity (ytd only) | 1.0352% | 5,565 |
| Net charge-offs to loans | 1.5038% | 312 |
| Credit loss provision to net charge-offs | 17.2932% | 4,112 |
| Earnings coverage of net charge-offs (x) | 0.8195% | 4,581 |
| Efficiency ratio | 82.3052% | 1,787 |
| Assets per employee ($millions) | 3.2608% | 5,361 |
| Cash dividends to net income (ytd only)* | 77.9271% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3445% | 6,753 |
| Loan loss allowance to noncurrent loans | 10.5121% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 2.3959% | 1,626 |
| Noncurrent loans to loans | 3.2774% | 1,192 |
| Net loans and leases to total assets | 43.2454% | 5,795 |
| Net loans and leases to deposits | 47.1180% | 6,027 |
| Net loans and leases to core deposits | 50.9162% | 5,959 |
| Total domestic deposits to total assets | 91.7810% | 290 |
| Equity capital to assets | 7.8050% | 6,256 |
| Core capital (leverage) ratio | 8.8391% | 5,349 |
| Tier 1 risk-based capital ratio | 19.3524% | 1,893 |
| Total risk-based capital ratio | 19.6796% | 2,138 |
| Memoranda: | ||
| Average total assets | $26,645,000 | 6,664 |
| Average earning assets | $24,626,750 | 6,637 |
| Average equity | $2,190,000 | 6,742 |
| Average total loans | $11,791,750 | 6,597 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4761% | 5,739 |
| Cost of funding earning assets | 0.6518% | 2,476 |
| Net interest margin | 2.8243% | 5,956 |
| Noninterest income to average assets | 0.3802% | 4,668 |
| Noninterest expense to average assets | 2.5045% | 4,706 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4472% | 5,028 |
| Return on assets (ROA) | 0.4472% | 5,198 |
| Pretax return on assets | 0.4920% | 5,406 |
| Return on Equity (ROE) | 5.3540% | 4,541 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,846 |
| Net charge-offs to loans | 0.6528% | 1,006 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.6923% | 3,969 |
| Efficiency ratio | 83.5821% | 1,682 |
| Assets per employee ($millions) | 3.2953% | 5,276 |
| Cash dividends to net income (ytd only)* | 100.0000% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 6,086 |
| Loan loss allowance to noncurrent loans | 22.4490% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 1.9460% | 2,229 |
| Noncurrent loans to loans | 4.0857% | 942 |
| Net loans and leases to total assets | 45.0762% | 5,628 |
| Net loans and leases to deposits | 49.3419% | 5,894 |
| Net loans and leases to core deposits | 53.2870% | 5,804 |
| Total domestic deposits to total assets | 91.3550% | 428 |
| Equity capital to assets | 8.2960% | 5,973 |
| Core capital (leverage) ratio | 8.3929% | 5,774 |
| Tier 1 risk-based capital ratio | 19.0132% | 1,988 |
| Total risk-based capital ratio | 19.9269% | 2,055 |
| Memoranda: | ||
| Average total assets | $26,831,330 | 6,710 |
| Average earning assets | $24,855,330 | 6,679 |
| Average equity | $2,241,330 | 6,785 |
| Average total loans | $11,949,000 | 6,633 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 5,578 |
| Cost of funding earning assets | 0.6688% | 2,488 |
| Net interest margin | 2.8821% | 5,854 |
| Noninterest income to average assets | 0.3547% | 4,839 |
| Noninterest expense to average assets | 2.5272% | 4,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4581% | 4,876 |
| Return on assets (ROA) | 0.4581% | 5,041 |
| Pretax return on assets | 0.5025% | 5,247 |
| Return on Equity (ROE) | 5.4662% | 4,323 |
| Retained earnings to average equity (ytd only) | -5.1135% | 6,373 |
| Net charge-offs to loans | -0.0335% | 5,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4146% | 1,842 |
| Assets per employee ($millions) | 3.4338% | 5,128 |
| Cash dividends to net income (ytd only)* | 193.5484% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 4,815 |
| Loan loss allowance to noncurrent loans | 29.9401% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 2.1660% | 2,164 |
| Noncurrent loans to loans | 4.2624% | 1,015 |
| Net loans and leases to total assets | 42.2424% | 5,827 |
| Net loans and leases to deposits | 46.2071% | 6,047 |
| Net loans and leases to core deposits | 49.7343% | 5,988 |
| Total domestic deposits to total assets | 91.4197% | 380 |
| Equity capital to assets | 8.2344% | 6,231 |
| Core capital (leverage) ratio | 8.3481% | 5,762 |
| Tier 1 risk-based capital ratio | 18.6014% | 2,157 |
| Total risk-based capital ratio | 19.8355% | 2,134 |
| Memoranda: | ||
| Average total assets | $27,066,000 | 6,773 |
| Average earning assets | $25,121,000 | 6,743 |
| Average equity | $2,268,500 | 6,849 |
| Average total loans | $11,927,000 | 6,697 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 5,375 |
| Cost of funding earning assets | 0.8417% | 2,350 |
| Net interest margin | 3.1382% | 5,725 |
| Noninterest income to average assets | 0.4845% | 4,008 |
| Noninterest expense to average assets | 2.6424% | 4,594 |
| Loan and lease loss provision to assets | 0.0559% | 5,094 |
| Net operating income to assets | 0.6336% | 4,069 |
| Return on assets (ROA) | 0.6336% | 4,338 |
| Pretax return on assets | 0.7044% | 4,654 |
| Return on Equity (ROE) | 7.4831% | 3,351 |
| Retained earnings to average equity (ytd only) | 2.6411% | 4,374 |
| Net charge-offs to loans | 0.0308% | 5,476 |
| Credit loss provision to net charge-offs | 375.0000% | 649 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 673 |
| Efficiency ratio | 77.6561% | 2,501 |
| Assets per employee ($millions) | 3.3328% | 5,354 |
| Cash dividends to net income (ytd only)* | 64.7059% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 4,975 |
| Loan loss allowance to noncurrent loans | 32.2511% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 2.1041% | 2,328 |
| Noncurrent loans to loans | 3.8182% | 1,269 |
| Net loans and leases to total assets | 44.8241% | 5,746 |
| Net loans and leases to deposits | 49.1892% | 6,017 |
| Net loans and leases to core deposits | 53.0707% | 5,936 |
| Total domestic deposits to total assets | 91.1259% | 451 |
| Equity capital to assets | 8.5327% | 6,023 |
| Core capital (leverage) ratio | 8.6482% | 5,398 |
| Tier 1 risk-based capital ratio | 18.7500% | 2,027 |
| Total risk-based capital ratio | 19.9705% | 2,003 |
| Memoranda: | ||
| Average total assets | $26,832,000 | 6,825 |
| Average earning assets | $24,950,600 | 6,789 |
| Average equity | $2,271,800 | 6,916 |
| Average total loans | $12,984,800 | 6,742 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0119% | 5,484 |
| Cost of funding earning assets | 0.8803% | 2,311 |
| Net interest margin | 3.1316% | 5,862 |
| Noninterest income to average assets | 0.5308% | 3,741 |
| Noninterest expense to average assets | 2.5550% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8136% | 3,379 |
| Return on assets (ROA) | 0.8136% | 3,623 |
| Pretax return on assets | 0.8881% | 4,163 |
| Return on Equity (ROE) | 9.6284% | 2,531 |
| Retained earnings to average equity (ytd only) | 6.1057% | 2,629 |
| Net charge-offs to loans | 0.0303% | 5,225 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 59.6650% | 655 |
| Efficiency ratio | 74.2075% | 2,951 |
| Assets per employee ($millions) | 3.2931% | 5,453 |
| Cash dividends to net income (ytd only)* | 36.5865% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 5,993 |
| Loan loss allowance to noncurrent loans | 34.9741% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 1.5525% | 3,261 |
| Noncurrent loans to loans | 2.9267% | 1,908 |
| Net loans and leases to total assets | 49.5502% | 5,363 |
| Net loans and leases to deposits | 54.6490% | 5,750 |
| Net loans and leases to core deposits | 59.0331% | 5,654 |
| Total domestic deposits to total assets | 90.6700% | 532 |
| Equity capital to assets | 8.8897% | 5,932 |
| Core capital (leverage) ratio | 8.7147% | 5,453 |
| Tier 1 risk-based capital ratio | 18.2866% | 2,237 |
| Total risk-based capital ratio | 19.3447% | 2,275 |
| Memoranda: | ||
| Average total assets | $26,874,500 | 6,914 |
| Average earning assets | $24,991,750 | 6,876 |
| Average equity | $2,271,000 | 7,008 |
| Average total loans | $13,206,000 | 6,821 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 5,576 |
| Cost of funding earning assets | 0.9304% | 2,181 |
| Net interest margin | 3.0933% | 6,027 |
| Noninterest income to average assets | 0.5323% | 3,709 |
| Noninterest expense to average assets | 2.5212% | 5,072 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8133% | 3,342 |
| Return on assets (ROA) | 0.8133% | 3,597 |
| Pretax return on assets | 0.8872% | 4,128 |
| Return on Equity (ROE) | 9.7894% | 2,450 |
| Retained earnings to average equity (ytd only) | 4.4497% | 3,641 |
| Net charge-offs to loans | 0.2271% | 3,214 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,376 |
| Efficiency ratio | 73.9696% | 3,084 |
| Assets per employee ($millions) | 3.4228% | 5,159 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 6,357 |
| Loan loss allowance to noncurrent loans | 39.6774% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 1.2161% | 3,983 |
| Noncurrent loans to loans | 2.3668% | 2,539 |
| Net loans and leases to total assets | 47.3851% | 5,675 |
| Net loans and leases to deposits | 51.9624% | 6,028 |
| Net loans and leases to core deposits | 56.5384% | 5,898 |
| Total domestic deposits to total assets | 91.1913% | 387 |
| Equity capital to assets | 8.3668% | 6,328 |
| Core capital (leverage) ratio | 8.3221% | 5,879 |
| Tier 1 risk-based capital ratio | 17.7368% | 2,384 |
| Total risk-based capital ratio | 18.6941% | 2,460 |
| Memoranda: | ||
| Average total assets | $27,051,000 | 6,970 |
| Average earning assets | $25,151,000 | 6,924 |
| Average equity | $2,247,330 | 7,060 |
| Average total loans | $13,211,670 | 6,872 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0630% | 5,569 |
| Cost of funding earning assets | 1.0278% | 1,829 |
| Net interest margin | 3.0352% | 6,222 |
| Noninterest income to average assets | 0.5951% | 3,262 |
| Noninterest expense to average assets | 2.5441% | 5,007 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7885% | 3,434 |
| Return on assets (ROA) | 0.7885% | 3,677 |
| Pretax return on assets | 0.8629% | 4,182 |
| Return on Equity (ROE) | 9.5259% | 2,595 |
| Retained earnings to average equity (ytd only) | -1.2581% | 6,185 |
| Net charge-offs to loans | 0.1206% | 3,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,467 |
| Efficiency ratio | 74.6725% | 2,994 |
| Assets per employee ($millions) | 4.5598% | 2,882 |
| Cash dividends to net income (ytd only)* | 113.2075% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 6,247 |
| Loan loss allowance to noncurrent loans | 21.0777% | 6,529 |
| Noncurrent assets plus other real estate owned to assets | 2.3904% | 2,487 |
| Noncurrent loans to loans | 4.7454% | 1,201 |
| Net loans and leases to total assets | 48.1158% | 5,540 |
| Net loans and leases to deposits | 52.6497% | 5,930 |
| Net loans and leases to core deposits | 56.6535% | 5,846 |
| Total domestic deposits to total assets | 91.3886% | 409 |
| Equity capital to assets | 8.1216% | 6,438 |
| Core capital (leverage) ratio | 8.1754% | 6,063 |
| Tier 1 risk-based capital ratio | 15.7779% | 3,299 |
| Total risk-based capital ratio | 16.7223% | 3,434 |
| Memoranda: | ||
| Average total assets | $26,885,500 | 7,030 |
| Average earning assets | $24,907,500 | 6,984 |
| Average equity | $2,225,500 | 7,117 |
| Average total loans | $13,268,500 | 6,925 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1648% | 6,152 |
| Cost of funding earning assets | 1.1548% | 2,320 |
| Net interest margin | 3.0100% | 6,515 |
| Noninterest income to average assets | 0.5650% | 3,394 |
| Noninterest expense to average assets | 2.7370% | 4,597 |
| Loan and lease loss provision to assets | 0.2061% | 4,127 |
| Net operating income to assets | 0.4164% | 4,786 |
| Return on assets (ROA) | 0.6184% | 4,093 |
| Pretax return on assets | 0.6337% | 4,582 |
| Return on Equity (ROE) | 7.3529% | 3,218 |
| Retained earnings to average equity (ytd only) | 3.7219% | 3,563 |
| Net charge-offs to loans | 0.1604% | 4,861 |
| Credit loss provision to net charge-offs | 245.4545% | 988 |
| Earnings coverage of net charge-offs (x) | 7.5455% | 2,324 |
| Efficiency ratio | 81.2005% | 2,132 |
| Assets per employee ($millions) | 4.4020% | 3,061 |
| Cash dividends to net income (ytd only)* | 49.3827% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 6,029 |
| Loan loss allowance to noncurrent loans | 59.4828% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 4,673 |
| Noncurrent loans to loans | 1.7523% | 3,525 |
| Net loans and leases to total assets | 49.6062% | 5,644 |
| Net loans and leases to deposits | 54.4872% | 6,023 |
| Net loans and leases to core deposits | 58.7955% | 5,950 |
| Total domestic deposits to total assets | 91.0420% | 489 |
| Equity capital to assets | 8.4393% | 6,211 |
| Core capital (leverage) ratio | 8.4075% | 5,705 |
| Tier 1 risk-based capital ratio | 16.0707% | 3,008 |
| Total risk-based capital ratio | 17.0656% | 3,112 |
| Memoranda: | ||
| Average total assets | $26,196,600 | 7,067 |
| Average earning assets | $24,418,800 | 7,028 |
| Average equity | $2,203,200 | 7,181 |
| Average total loans | $13,718,200 | 6,960 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4474% | 5,438 |
| Cost of funding earning assets | 1.1761% | 2,476 |
| Net interest margin | 3.2713% | 5,950 |
| Noninterest income to average assets | 0.5814% | 3,290 |
| Noninterest expense to average assets | 2.6163% | 5,019 |
| Loan and lease loss provision to assets | 0.1428% | 4,655 |
| Net operating income to assets | 0.7905% | 3,214 |
| Return on assets (ROA) | 0.7905% | 3,378 |
| Pretax return on assets | 0.8721% | 3,874 |
| Return on Equity (ROE) | 9.4075% | 2,420 |
| Retained earnings to average equity (ytd only) | 4.5522% | 3,481 |
| Net charge-offs to loans | 0.0193% | 5,882 |
| Credit loss provision to net charge-offs | 1,400.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 99.3745% | 367 |
| Efficiency ratio | 72.0506% | 3,544 |
| Assets per employee ($millions) | 4.3363% | 3,203 |
| Cash dividends to net income (ytd only)* | 51.6113% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 6,343 |
| Loan loss allowance to noncurrent loans | 77.1930% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 5,292 |
| Noncurrent loans to loans | 1.2731% | 4,402 |
| Net loans and leases to total assets | 51.1185% | 5,566 |
| Net loans and leases to deposits | 56.2534% | 6,008 |
| Net loans and leases to core deposits | 58.6239% | 6,080 |
| Total domestic deposits to total assets | 90.8717% | 483 |
| Equity capital to assets | 8.6594% | 6,132 |
| Core capital (leverage) ratio | 8.5735% | 5,594 |
| Tier 1 risk-based capital ratio | 15.9192% | 3,157 |
| Total risk-based capital ratio | 16.8649% | 3,289 |
| Memoranda: | ||
| Average total assets | $26,142,750 | 7,138 |
| Average earning assets | $24,373,000 | 7,102 |
| Average equity | $2,196,750 | 7,256 |
| Average total loans | $13,837,750 | 7,027 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 5,424 |
| Cost of funding earning assets | 1.2116% | 2,495 |
| Net interest margin | 3.2664% | 5,948 |
| Noninterest income to average assets | 0.5576% | 3,419 |
| Noninterest expense to average assets | 2.6122% | 5,140 |
| Loan and lease loss provision to assets | 0.2139% | 3,778 |
| Net operating income to assets | 0.7027% | 3,534 |
| Return on assets (ROA) | 0.7027% | 3,639 |
| Pretax return on assets | 0.7791% | 4,106 |
| Return on Equity (ROE) | 8.4481% | 2,740 |
| Retained earnings to average equity (ytd only) | 4.7750% | 3,142 |
| Net charge-offs to loans | -0.0143% | 6,757 |
| Credit loss provision to net charge-offs | -2,800.0000% | 6,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4576% | 3,642 |
| Assets per employee ($millions) | 3.7169% | 4,396 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 6,347 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 6,778 |
| Noncurrent loans to loans | 0.0739% | 6,796 |
| Net loans and leases to total assets | 51.4721% | 5,632 |
| Net loans and leases to deposits | 56.5612% | 6,085 |
| Net loans and leases to core deposits | 61.7855% | 5,917 |
| Total domestic deposits to total assets | 91.0024% | 497 |
| Equity capital to assets | 8.5402% | 6,140 |
| Core capital (leverage) ratio | 8.2884% | 5,887 |
| Tier 1 risk-based capital ratio | 15.6892% | 3,137 |
| Total risk-based capital ratio | 16.6524% | 3,238 |
| Memoranda: | ||
| Average total assets | $26,184,330 | 7,206 |
| Average earning assets | $24,430,670 | 7,165 |
| Average equity | $2,178,000 | 7,321 |
| Average total loans | $13,973,000 | 7,089 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5082% | 5,309 |
| Cost of funding earning assets | 1.2904% | 2,241 |
| Net interest margin | 3.2178% | 6,019 |
| Noninterest income to average assets | 0.5634% | 3,415 |
| Noninterest expense to average assets | 2.5888% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8832% | 2,647 |
| Return on assets (ROA) | 0.8832% | 2,712 |
| Pretax return on assets | 0.9746% | 3,232 |
| Return on Equity (ROE) | 10.7607% | 1,816 |
| Retained earnings to average equity (ytd only) | 3.3395% | 4,176 |
| Net charge-offs to loans | -0.0282% | 6,688 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6496% | 3,742 |
| Assets per employee ($millions) | 3.7691% | 4,370 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 6,974 |
| Loan loss allowance to noncurrent loans | 38.4892% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 1.1408% | 4,656 |
| Noncurrent loans to loans | 1.9988% | 3,574 |
| Net loans and leases to total assets | 52.3082% | 5,538 |
| Net loans and leases to deposits | 57.3536% | 5,991 |
| Net loans and leases to core deposits | 62.3774% | 5,893 |
| Total domestic deposits to total assets | 91.2030% | 530 |
| Equity capital to assets | 8.2057% | 6,273 |
| Core capital (leverage) ratio | 8.1403% | 6,071 |
| Tier 1 risk-based capital ratio | 15.1061% | 3,370 |
| Total risk-based capital ratio | 15.8457% | 3,639 |
| Memoranda: | ||
| Average total assets | $26,267,500 | 7,255 |
| Average earning assets | $24,488,500 | 7,212 |
| Average equity | $2,156,000 | 7,375 |
| Average total loans | $14,196,000 | 7,130 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1516% | 3,840 |
| Cost of funding earning assets | 1.6171% | 1,969 |
| Net interest margin | 3.5345% | 5,097 |
| Noninterest income to average assets | 0.5090% | 4,102 |
| Noninterest expense to average assets | 2.8948% | 4,247 |
| Loan and lease loss provision to assets | 0.2585% | 4,725 |
| Net operating income to assets | 0.6243% | 3,567 |
| Return on assets (ROA) | 0.6283% | 3,707 |
| Pretax return on assets | 0.6362% | 4,208 |
| Return on Equity (ROE) | 7.4648% | 2,909 |
| Retained earnings to average equity (ytd only) | 3.3544% | 3,520 |
| Net charge-offs to loans | 0.3509% | 4,266 |
| Credit loss provision to net charge-offs | 130.0000% | 3,062 |
| Earnings coverage of net charge-offs (x) | 4.4800% | 2,908 |
| Efficiency ratio | 76.4706% | 2,972 |
| Assets per employee ($millions) | 3.7359% | 4,391 |
| Cash dividends to net income (ytd only)* | 55.0633% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7318% | 7,084 |
| Loan loss allowance to noncurrent loans | 29.9435% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 1.4416% | 4,167 |
| Noncurrent loans to loans | 2.4441% | 3,078 |
| Net loans and leases to total assets | 54.9807% | 5,491 |
| Net loans and leases to deposits | 60.2598% | 6,029 |
| Net loans and leases to core deposits | 65.0059% | 5,980 |
| Total domestic deposits to total assets | 91.2393% | 488 |
| Equity capital to assets | 8.2100% | 6,251 |
| Core capital (leverage) ratio | 8.1925% | 5,838 |
| Tier 1 risk-based capital ratio | 14.6373% | 3,457 |
| Total risk-based capital ratio | 15.3600% | 3,763 |
| Memoranda: | ||
| Average total assets | $25,148,800 | 7,340 |
| Average earning assets | $23,313,000 | 7,313 |
| Average equity | $2,116,600 | 7,488 |
| Average total loans | $14,247,800 | 7,197 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2123% | 3,772 |
| Cost of funding earning assets | 1.6430% | 2,142 |
| Net interest margin | 3.5694% | 5,022 |
| Noninterest income to average assets | 0.5034% | 4,157 |
| Noninterest expense to average assets | 2.8274% | 4,364 |
| Loan and lease loss provision to assets | 0.3481% | 3,826 |
| Net operating income to assets | 0.6212% | 3,788 |
| Return on assets (ROA) | 0.6212% | 3,956 |
| Pretax return on assets | 0.6319% | 4,480 |
| Return on Equity (ROE) | 7.3333% | 3,188 |
| Retained earnings to average equity (ytd only) | 1.8336% | 5,043 |
| Net charge-offs to loans | 0.4699% | 3,399 |
| Credit loss provision to net charge-offs | 130.0000% | 3,108 |
| Earnings coverage of net charge-offs (x) | 3.6597% | 3,347 |
| Efficiency ratio | 74.2616% | 3,276 |
| Assets per employee ($millions) | 3.6271% | 4,674 |
| Cash dividends to net income (ytd only)* | 75.0032% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7257% | 7,155 |
| Loan loss allowance to noncurrent loans | 47.1111% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 1.0043% | 5,080 |
| Noncurrent loans to loans | 1.5404% | 4,327 |
| Net loans and leases to total assets | 57.1130% | 5,399 |
| Net loans and leases to deposits | 62.6989% | 6,055 |
| Net loans and leases to core deposits | 66.3965% | 6,091 |
| Total domestic deposits to total assets | 91.0910% | 414 |
| Equity capital to assets | 8.2907% | 6,519 |
| Core capital (leverage) ratio | 8.3044% | 5,865 |
| Tier 1 risk-based capital ratio | 14.4247% | 3,555 |
| Total risk-based capital ratio | 15.1511% | 3,884 |
| Memoranda: | ||
| Average total assets | $24,898,250 | 7,443 |
| Average earning assets | $23,047,250 | 7,413 |
| Average equity | $2,109,000 | 7,583 |
| Average total loans | $14,188,750 | 7,292 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3430% | 3,245 |
| Cost of funding earning assets | 1.6933% | 2,151 |
| Net interest margin | 3.6497% | 4,582 |
| Noninterest income to average assets | 0.5498% | 3,720 |
| Noninterest expense to average assets | 2.7330% | 4,773 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0762% | 1,930 |
| Return on assets (ROA) | 1.0835% | 1,981 |
| Pretax return on assets | 1.1886% | 2,451 |
| Return on Equity (ROE) | 12.6994% | 1,316 |
| Retained earnings to average equity (ytd only) | 7.3922% | 1,677 |
| Net charge-offs to loans | 0.1424% | 4,799 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 14.6000% | 1,510 |
| Efficiency ratio | 69.8347% | 4,217 |
| Assets per employee ($millions) | 3.5237% | 4,863 |
| Cash dividends to net income (ytd only)* | 41.7910% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5652% | 7,451 |
| Loan loss allowance to noncurrent loans | 16.7010% | 7,081 |
| Noncurrent assets plus other real estate owned to assets | 2.0879% | 3,396 |
| Noncurrent loans to loans | 3.3843% | 2,359 |
| Net loans and leases to total assets | 57.7718% | 5,452 |
| Net loans and leases to deposits | 63.6872% | 6,063 |
| Net loans and leases to core deposits | 63.6872% | 6,425 |
| Total domestic deposits to total assets | 90.7119% | 597 |
| Equity capital to assets | 8.7327% | 5,842 |
| Core capital (leverage) ratio | 8.5827% | 5,263 |
| Tier 1 risk-based capital ratio | 14.9708% | 3,161 |
| Total risk-based capital ratio | 15.5338% | 3,524 |
| Memoranda: | ||
| Average total assets | $24,734,330 | 7,505 |
| Average earning assets | $22,796,330 | 7,485 |
| Average equity | $2,110,330 | 7,645 |
| Average total loans | $14,049,330 | 7,354 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3582% | 3,251 |
| Cost of funding earning assets | 1.7216% | 2,284 |
| Net interest margin | 3.6365% | 4,553 |
| Noninterest income to average assets | 0.6137% | 3,178 |
| Noninterest expense to average assets | 2.8908% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9690% | 2,303 |
| Return on assets (ROA) | 0.9690% | 2,366 |
| Pretax return on assets | 1.0659% | 2,859 |
| Return on Equity (ROE) | 11.4915% | 1,647 |
| Retained earnings to average equity (ytd only) | 5.3627% | 2,952 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0612% | 3,746 |
| Assets per employee ($millions) | 3.6101% | 4,796 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6551% | 7,424 |
| Loan loss allowance to noncurrent loans | 13.4615% | 7,252 |
| Noncurrent assets plus other real estate owned to assets | 2.7937% | 2,604 |
| Noncurrent loans to loans | 4.8661% | 1,501 |
| Net loans and leases to total assets | 54.6120% | 5,940 |
| Net loans and leases to deposits | 60.0409% | 6,465 |
| Net loans and leases to core deposits | 62.7775% | 6,541 |
| Total domestic deposits to total assets | 90.9580% | 566 |
| Equity capital to assets | 8.3178% | 6,278 |
| Core capital (leverage) ratio | 8.4367% | 5,487 |
| Tier 1 risk-based capital ratio | 14.8247% | 3,199 |
| Total risk-based capital ratio | 15.4665% | 3,498 |
| Memoranda: | ||
| Average total assets | $24,768,500 | 7,595 |
| Average earning assets | $22,769,000 | 7,572 |
| Average equity | $2,088,500 | 7,734 |
| Average total loans | $13,908,500 | 7,449 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6567% | 3,318 |
| Cost of funding earning assets | 1.9932% | 2,993 |
| Net interest margin | 3.6635% | 4,294 |
| Noninterest income to average assets | 0.5853% | 3,749 |
| Noninterest expense to average assets | 3.2845% | 3,064 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6595% | 3,102 |
| Return on assets (ROA) | 0.6595% | 3,153 |
| Pretax return on assets | 0.7207% | 3,506 |
| Return on Equity (ROE) | 7.4092% | 2,616 |
| Retained earnings to average equity (ytd only) | 3.8273% | 2,521 |
| Net charge-offs to loans | 0.0696% | 6,423 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 18.3333% | 1,132 |
| Efficiency ratio | 82.0065% | 2,599 |
| Assets per employee ($millions) | 3.4666% | 5,086 |
| Cash dividends to net income (ytd only)* | 48.3444% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6535% | 7,465 |
| Loan loss allowance to noncurrent loans | 34.6008% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 1.2075% | 4,685 |
| Noncurrent loans to loans | 1.8887% | 3,818 |
| Net loans and leases to total assets | 57.0098% | 5,815 |
| Net loans and leases to deposits | 62.8990% | 6,371 |
| Net loans and leases to core deposits | 101.1331% | 3,886 |
| Total domestic deposits to total assets | 90.6371% | 680 |
| Equity capital to assets | 8.5511% | 5,808 |
| Core capital (leverage) ratio | 8.6646% | 4,987 |
| Tier 1 risk-based capital ratio | 14.7529% | 3,075 |
| Total risk-based capital ratio | 15.3999% | 3,362 |
| Memoranda: | ||
| Average total assets | $22,895,200 | 7,707 |
| Average earning assets | $21,373,000 | 7,670 |
| Average equity | $2,038,000 | 7,836 |
| Average total loans | $12,924,800 | 7,550 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6855% | 3,408 |
| Cost of funding earning assets | 2.0364% | 3,182 |
| Net interest margin | 3.6491% | 4,280 |
| Noninterest income to average assets | 0.6030% | 3,675 |
| Noninterest expense to average assets | 3.0860% | 3,697 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8454% | 2,638 |
| Return on assets (ROA) | 0.8454% | 2,702 |
| Pretax return on assets | 0.9282% | 3,134 |
| Return on Equity (ROE) | 9.3979% | 2,129 |
| Retained earnings to average equity (ytd only) | 4.6659% | 2,674 |
| Net charge-offs to loans | 0.0526% | 6,182 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 31.3838% | 901 |
| Efficiency ratio | 76.8778% | 3,346 |
| Assets per employee ($millions) | 3.3677% | 5,221 |
| Cash dividends to net income (ytd only)* | 50.3514% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7219% | 7,318 |
| Loan loss allowance to noncurrent loans | 15.2381% | 7,323 |
| Noncurrent assets plus other real estate owned to assets | 2.7997% | 2,482 |
| Noncurrent loans to loans | 4.7376% | 1,445 |
| Net loans and leases to total assets | 56.0024% | 6,142 |
| Net loans and leases to deposits | 62.0424% | 6,671 |
| Net loans and leases to core deposits | 105.5991% | 3,745 |
| Total domestic deposits to total assets | 90.2647% | 679 |
| Equity capital to assets | 8.7724% | 5,843 |
| Core capital (leverage) ratio | 8.9948% | 4,658 |
| Tier 1 risk-based capital ratio | 15.4605% | 2,846 |
| Total risk-based capital ratio | 16.1782% | 3,011 |
| Memoranda: | ||
| Average total assets | $22,552,500 | 7,785 |
| Average earning assets | $21,082,250 | 7,752 |
| Average equity | $2,028,750 | 7,915 |
| Average total loans | $12,674,750 | 7,635 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8137% | 2,986 |
| Cost of funding earning assets | 2.0832% | 3,347 |
| Net interest margin | 3.7304% | 3,830 |
| Noninterest income to average assets | 0.5673% | 3,915 |
| Noninterest expense to average assets | 3.1424% | 3,529 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8104% | 2,815 |
| Return on assets (ROA) | 0.8104% | 2,912 |
| Pretax return on assets | 0.8914% | 3,374 |
| Return on Equity (ROE) | 8.9300% | 2,385 |
| Retained earnings to average equity (ytd only) | 4.9611% | 2,535 |
| Net charge-offs to loans | 0.1283% | 4,885 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 12.3750% | 1,821 |
| Efficiency ratio | 77.9018% | 3,363 |
| Assets per employee ($millions) | 3.1913% | 5,605 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7352% | 7,344 |
| Loan loss allowance to noncurrent loans | 46.0396% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 1.0385% | 4,893 |
| Noncurrent loans to loans | 1.5968% | 4,101 |
| Net loans and leases to total assets | 56.2111% | 6,184 |
| Net loans and leases to deposits | 62.4664% | 6,705 |
| Net loans and leases to core deposits | 109.6873% | 3,408 |
| Total domestic deposits to total assets | 89.9861% | 835 |
| Equity capital to assets | 9.1633% | 5,074 |
| Core capital (leverage) ratio | 9.0057% | 4,623 |
| Tier 1 risk-based capital ratio | 16.0511% | 2,607 |
| Total risk-based capital ratio | 16.7804% | 2,732 |
| Memoranda: | ||
| Average total assets | $22,212,000 | 7,874 |
| Average earning assets | $20,641,000 | 7,840 |
| Average equity | $2,015,670 | 7,999 |
| Average total loans | $12,467,000 | 7,725 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0055% | 2,339 |
| Cost of funding earning assets | 2.0990% | 3,654 |
| Net interest margin | 3.9065% | 3,023 |
| Noninterest income to average assets | 0.5599% | 3,842 |
| Noninterest expense to average assets | 3.2688% | 2,741 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8308% | 2,992 |
| Return on assets (ROA) | 0.8308% | 3,141 |
| Pretax return on assets | 0.9211% | 3,637 |
| Return on Equity (ROE) | 9.2000% | 2,637 |
| Retained earnings to average equity (ytd only) | 1.2000% | 5,160 |
| Net charge-offs to loans | 0.0323% | 5,065 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 714 |
| Efficiency ratio | 78.0172% | 3,163 |
| Assets per employee ($millions) | 3.2479% | 5,466 |
| Cash dividends to net income (ytd only)* | 86.9565% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 7,075 |
| Loan loss allowance to noncurrent loans | 74.2647% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 5,684 |
| Noncurrent loans to loans | 1.1088% | 4,768 |
| Net loans and leases to total assets | 53.5078% | 6,527 |
| Net loans and leases to deposits | 59.2490% | 6,953 |
| Net loans and leases to core deposits | 96.2878% | 4,931 |
| Total domestic deposits to total assets | 90.3101% | 671 |
| Equity capital to assets | 8.8102% | 5,608 |
| Core capital (leverage) ratio | 8.9668% | 4,765 |
| Tier 1 risk-based capital ratio | 15.9373% | 2,707 |
| Total risk-based capital ratio | 16.7409% | 2,791 |
| Memoranda: | ||
| Average total assets | $22,148,500 | 7,923 |
| Average earning assets | $20,581,000 | 7,888 |
| Average equity | $2,000,000 | 8,056 |
| Average total loans | $12,375,500 | 7,784 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9396% | 1,284 |
| Cost of funding earning assets | 2.7020% | 3,146 |
| Net interest margin | 4.2377% | 2,167 |
| Noninterest income to average assets | 0.5457% | 4,265 |
| Noninterest expense to average assets | 3.3550% | 2,812 |
| Loan and lease loss provision to assets | 0.0984% | 6,125 |
| Net operating income to assets | 1.0244% | 2,457 |
| Return on assets (ROA) | 1.0244% | 2,339 |
| Pretax return on assets | 1.0423% | 3,231 |
| Return on Equity (ROE) | 11.8875% | 1,630 |
| Retained earnings to average equity (ytd only) | 6.1773% | 1,454 |
| Net charge-offs to loans | 0.0154% | 6,673 |
| Credit loss provision to net charge-offs | 1,100.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 127.5000% | 352 |
| Efficiency ratio | 74.6269% | 3,473 |
| Assets per employee ($millions) | 3.0803% | 5,833 |
| Cash dividends to net income (ytd only)* | 48.0349% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8090% | 7,067 |
| Loan loss allowance to noncurrent loans | 28.2913% | 6,814 |
| Noncurrent assets plus other real estate owned to assets | 1.6557% | 2,930 |
| Noncurrent loans to loans | 2.8594% | 1,891 |
| Net loans and leases to total assets | 57.4344% | 6,285 |
| Net loans and leases to deposits | 63.9471% | 6,799 |
| Net loans and leases to core deposits | 106.7218% | 4,113 |
| Total domestic deposits to total assets | 89.8154% | 721 |
| Equity capital to assets | 9.2617% | 4,990 |
| Core capital (leverage) ratio | 9.1354% | 4,546 |
| Tier 1 risk-based capital ratio | 15.9581% | 2,679 |
| Total risk-based capital ratio | 16.7652% | 2,777 |
| Memoranda: | ||
| Average total assets | $22,354,800 | 7,933 |
| Average earning assets | $20,836,800 | 7,900 |
| Average equity | $1,926,400 | 8,132 |
| Average total loans | $13,028,200 | 7,770 |