Home > Method Bank > Performance and Condition Ratios
Method 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 | 8.4677% | 103 |
| Cost of funding earning assets | 3.7234% | 54 |
| Net interest margin | 4.7442% | 450 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 3.6871% | 470 |
| Loan and lease loss provision to assets | 0.5000% | 183 |
| Net operating income to assets | 0.6636% | 3,286 |
| Return on assets (ROA) | 0.6636% | 3,266 |
| Pretax return on assets | 0.6636% | 3,512 |
| Return on Equity (ROE) | 5.9000% | 3,537 |
| Retained earnings to average equity (ytd only) | 5.9023% | 2,284 |
| Net charge-offs to loans | 0.0944% | 941 |
| Credit loss provision to net charge-offs | 742.8571% | 508 |
| Earnings coverage of net charge-offs (x) | 17.8929% | 1,957 |
| Efficiency ratio | 72.9192% | 1,563 |
| Assets per employee ($millions) | 7.4399% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 2,812 |
| Loan loss allowance to noncurrent loans | 1,520.6897% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 3,246 |
| Noncurrent loans to loans | 0.0726% | 3,199 |
| Net loans and leases to total assets | 70.7800% | 1,726 |
| Net loans and leases to deposits | 89.8000% | 1,281 |
| Net loans and leases to core deposits | 179.6920% | 103 |
| Total domestic deposits to total assets | 78.8200% | 3,633 |
| Equity capital to assets | 10.2376% | 1,876 |
| Core capital (leverage) ratio | 10.2173% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $85,894,400 | 3,963 |
| Average earning assets | $75,038,400 | 3,979 |
| Average equity | $9,657,200 | 3,756 |
| Average total loans | $59,306,200 | 3,720 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3561% | 102 |
| Cost of funding earning assets | 3.6388% | 52 |
| Net interest margin | 4.7173% | 451 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 3.8136% | 415 |
| Loan and lease loss provision to assets | 0.9400% | 69 |
| Net operating income to assets | -0.0352% | 4,447 |
| Return on assets (ROA) | -0.0352% | 4,429 |
| Pretax return on assets | -0.0352% | 4,420 |
| Return on Equity (ROE) | -0.3000% | 4,397 |
| Retained earnings to average equity (ytd only) | -0.3034% | 4,181 |
| Net charge-offs to loans | 0.0935% | 827 |
| Credit loss provision to net charge-offs | 1,471.0526% | 309 |
| Earnings coverage of net charge-offs (x) | 14.1579% | 2,008 |
| Efficiency ratio | 77.4813% | 1,047 |
| Assets per employee ($millions) | 6.3345% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 1,318 |
| Loan loss allowance to noncurrent loans | 808.5938% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 2,664 |
| Noncurrent loans to loans | 0.1772% | 2,662 |
| Net loans and leases to total assets | 74.9200% | 1,245 |
| Net loans and leases to deposits | 98.3409% | 596 |
| Net loans and leases to core deposits | 207.8727% | 36 |
| Total domestic deposits to total assets | 76.1800% | 3,995 |
| Equity capital to assets | 10.7854% | 1,441 |
| Core capital (leverage) ratio | 9.8245% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $79,468,500 | 4,035 |
| Average earning assets | $69,105,500 | 4,065 |
| Average equity | $9,228,000 | 3,798 |
| Average total loans | $54,165,000 | 3,791 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1246% | 101 |
| Cost of funding earning assets | 3.3173% | 47 |
| Net interest margin | 4.8073% | 403 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 3.9146% | 364 |
| Loan and lease loss provision to assets | 1.1400% | 54 |
| Net operating income to assets | -0.1696% | 4,527 |
| Return on assets (ROA) | -0.1696% | 4,511 |
| Pretax return on assets | -0.1696% | 4,504 |
| Return on Equity (ROE) | -1.4200% | 4,481 |
| Retained earnings to average equity (ytd only) | -1.4176% | 4,250 |
| Net charge-offs to loans | 0.1620% | 483 |
| Credit loss provision to net charge-offs | 1,089.7436% | 385 |
| Earnings coverage of net charge-offs (x) | 9.2821% | 2,026 |
| Efficiency ratio | 76.5969% | 1,123 |
| Assets per employee ($millions) | 6.1003% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 1,486 |
| Loan loss allowance to noncurrent loans | 436.8932% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 2,059 |
| Noncurrent loans to loans | 0.3231% | 1,976 |
| Net loans and leases to total assets | 68.6900% | 1,884 |
| Net loans and leases to deposits | 89.9285% | 1,193 |
| Net loans and leases to core deposits | 169.5880% | 81 |
| Total domestic deposits to total assets | 76.3800% | 4,015 |
| Equity capital to assets | 11.1886% | 1,308 |
| Core capital (leverage) ratio | 11.5238% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $74,285,667 | 4,110 |
| Average earning assets | $64,027,667 | 4,138 |
| Average equity | $8,888,000 | 3,864 |
| Average total loans | $48,146,333 | 3,882 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1237% | 60 |
| Cost of funding earning assets | 2.9835% | 35 |
| Net interest margin | 5.1402% | 239 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 4.1860% | 323 |
| Loan and lease loss provision to assets | 1.9100% | 34 |
| Net operating income to assets | -1.4502% | 4,636 |
| Return on assets (ROA) | -1.4502% | 4,630 |
| Pretax return on assets | -1.4502% | 4,624 |
| Return on Equity (ROE) | -11.6300% | 4,603 |
| Retained earnings to average equity (ytd only) | -11.6332% | 4,503 |
| Net charge-offs to loans | 0.2082% | 352 |
| Credit loss provision to net charge-offs | 1,490.4762% | 279 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 1,879 |
| Efficiency ratio | 85.9580% | 511 |
| Assets per employee ($millions) | 5.8016% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 1,142 |
| Loan loss allowance to noncurrent loans | 555.8621% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 2,261 |
| Noncurrent loans to loans | 0.2774% | 2,152 |
| Net loans and leases to total assets | 63.3500% | 2,312 |
| Net loans and leases to deposits | 79.8343% | 1,827 |
| Net loans and leases to core deposits | 163.3484% | 81 |
| Total domestic deposits to total assets | 79.3600% | 3,853 |
| Equity capital to assets | 9.9333% | 1,856 |
| Core capital (leverage) ratio | 11.0937% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $65,647,000 | 4,248 |
| Average earning assets | $55,640,000 | 4,287 |
| Average equity | $8,183,500 | 3,981 |
| Average total loans | $40,344,000 | 4,063 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6838% | 59 |
| Cost of funding earning assets | 1.3622% | 42 |
| Net interest margin | 5.3216% | 102 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 6.0084% | 161 |
| Loan and lease loss provision to assets | 0.5800% | 96 |
| Net operating income to assets | -2.0046% | 4,691 |
| Return on assets (ROA) | -2.0046% | 4,688 |
| Pretax return on assets | -2.0046% | 4,679 |
| Return on Equity (ROE) | -10.4200% | 4,664 |
| Retained earnings to average equity (ytd only) | -10.4198% | 4,637 |
| Net charge-offs to loans | 0.2571% | 310 |
| Credit loss provision to net charge-offs | 431.3725% | 745 |
| Earnings coverage of net charge-offs (x) | -10.6667% | 4,696 |
| Efficiency ratio | 123.8832% | 60 |
| Assets per employee ($millions) | 3.8517% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8083% | 648 |
| Loan loss allowance to noncurrent loans | 251.9608% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 1,260 |
| Noncurrent loans to loans | 0.7177% | 1,049 |
| Net loans and leases to total assets | 55.7400% | 3,058 |
| Net loans and leases to deposits | 70.7783% | 2,516 |
| Net loans and leases to core deposits | 107.2966% | 696 |
| Total domestic deposits to total assets | 78.7500% | 4,024 |
| Equity capital to assets | 16.5741% | 355 |
| Core capital (leverage) ratio | 14.8640% | 593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $38,113,200 | 4,544 |
| Average earning assets | $29,878,400 | 4,570 |
| Average equity | $7,332,200 | 4,173 |
| Average total loans | $19,838,800 | 4,416 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5203% | 54 |
| Cost of funding earning assets | 0.9419% | 82 |
| Net interest margin | 5.5783% | 68 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 6.2673% | 157 |
| Loan and lease loss provision to assets | 0.3700% | 160 |
| Net operating income to assets | -1.8487% | 4,728 |
| Return on assets (ROA) | -1.8487% | 4,724 |
| Pretax return on assets | -1.8487% | 4,718 |
| Return on Equity (ROE) | -9.1600% | 4,695 |
| Retained earnings to average equity (ytd only) | -9.1576% | 4,666 |
| Net charge-offs to loans | 0.2788% | 240 |
| Credit loss provision to net charge-offs | 264.8649% | 872 |
| Earnings coverage of net charge-offs (x) | -10.5135% | 4,737 |
| Efficiency ratio | 123.2964% | 61 |
| Assets per employee ($millions) | 4.4389% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 592 |
| Loan loss allowance to noncurrent loans | 103.8363% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8008% | 630 |
| Noncurrent loans to loans | 1.8364% | 342 |
| Net loans and leases to total assets | 42.7700% | 3,952 |
| Net loans and leases to deposits | 52.8051% | 3,677 |
| Net loans and leases to core deposits | 79.8791% | 1,912 |
| Total domestic deposits to total assets | 81.0000% | 3,977 |
| Equity capital to assets | 14.3545% | 529 |
| Core capital (leverage) ratio | 13.3210% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $35,123,500 | 4,609 |
| Average earning assets | $27,319,250 | 4,617 |
| Average equity | $7,090,500 | 4,242 |
| Average total loans | $17,692,500 | 4,475 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9043% | 41 |
| Cost of funding earning assets | 0.3774% | 1,065 |
| Net interest margin | 6.5270% | 36 |
| Noninterest income to average assets | 0.4713% | 2,346 |
| Noninterest expense to average assets | 6.6110% | 112 |
| Loan and lease loss provision to assets | 0.3731% | 156 |
| Net operating income to assets | -1.5316% | 4,728 |
| Return on assets (ROA) | -1.5316% | 4,723 |
| Pretax return on assets | -1.5316% | 4,717 |
| Return on Equity (ROE) | -6.5752% | 4,698 |
| Retained earnings to average equity (ytd only) | -6.5752% | 4,581 |
| Net charge-offs to loans | 0.6548% | 95 |
| Credit loss provision to net charge-offs | 105.5556% | 1,242 |
| Earnings coverage of net charge-offs (x) | -3.2778% | 2,121 |
| Efficiency ratio | 113.6855% | 102 |
| Assets per employee ($millions) | 2.9208% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7605% | 859 |
| Loan loss allowance to noncurrent loans | 290.0000% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 1,745 |
| Noncurrent loans to loans | 0.6071% | 1,394 |
| Net loans and leases to total assets | 51.1430% | 3,250 |
| Net loans and leases to deposits | 68.0724% | 2,388 |
| Net loans and leases to core deposits | 122.0630% | 181 |
| Total domestic deposits to total assets | 75.1304% | 4,498 |
| Equity capital to assets | 19.1678% | 187 |
| Core capital (leverage) ratio | 18.2768% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,555,333 | 4,675 |
| Average earning assets | $23,318,667 | 4,697 |
| Average equity | $7,117,667 | 4,304 |
| Average total loans | $16,492,667 | 4,557 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2023% | 59 |
| Cost of funding earning assets | 0.1546% | 3,436 |
| Net interest margin | 6.0477% | 48 |
| Noninterest income to average assets | 0.6255% | 1,586 |
| Noninterest expense to average assets | 9.8596% | 71 |
| Loan and lease loss provision to assets | 0.0149% | 2,084 |
| Net operating income to assets | -4.5873% | 4,784 |
| Return on assets (ROA) | -4.5873% | 4,784 |
| Pretax return on assets | -4.5873% | 4,781 |
| Return on Equity (ROE) | -17.4839% | 4,769 |
| Retained earnings to average equity (ytd only) | -17.4839% | 4,673 |
| Net charge-offs to loans | -0.1077% | 4,475 |
| Credit loss provision to net charge-offs | -25.0000% | 2,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 186.4789% | 26 |
| Assets per employee ($millions) | 3.0458% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3171% | 362 |
| Loan loss allowance to noncurrent loans | 406.9767% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 1,998 |
| Noncurrent loans to loans | 0.5693% | 1,617 |
| Net loans and leases to total assets | 48.4438% | 3,337 |
| Net loans and leases to deposits | 70.1917% | 1,952 |
| Net loans and leases to core deposits | 81.8767% | 1,359 |
| Total domestic deposits to total assets | 69.0164% | 4,666 |
| Equity capital to assets | 23.9116% | 97 |
| Core capital (leverage) ratio | 25.3810% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,857,000 | 4,724 |
| Average earning assets | $20,702,000 | 4,739 |
| Average equity | $7,046,500 | 4,357 |
| Average total loans | $14,855,500 | 4,601 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9134% | 1,575 |
| Cost of funding earning assets | 0.2435% | 3,014 |
| Net interest margin | 3.6699% | 1,287 |
| Noninterest income to average assets | 0.9166% | 1,161 |
| Noninterest expense to average assets | 6.6923% | 110 |
| Loan and lease loss provision to assets | 1.3749% | 18 |
| Net operating income to assets | -3.8591% | 4,827 |
| Return on assets (ROA) | -3.8591% | 4,827 |
| Pretax return on assets | -3.8539% | 4,827 |
| Return on Equity (ROE) | -13.7753% | 4,819 |
| Retained earnings to average equity (ytd only) | -13.7753% | 4,793 |
| Net charge-offs to loans | 0.2494% | 368 |
| Credit loss provision to net charge-offs | 1,200.0000% | 463 |
| Earnings coverage of net charge-offs (x) | -21.6364% | 2,686 |
| Efficiency ratio | 158.8381% | 29 |
| Assets per employee ($millions) | 2.1141% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3620% | 350 |
| Loan loss allowance to noncurrent loans | 302.6316% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4902% | 1,359 |
| Noncurrent loans to loans | 0.7805% | 1,304 |
| Net loans and leases to total assets | 61.3244% | 2,030 |
| Net loans and leases to deposits | 106.1560% | 108 |
| Net loans and leases to core deposits | 108.1608% | 315 |
| Total domestic deposits to total assets | 57.7682% | 4,774 |
| Equity capital to assets | 29.2840% | 64 |
| Core capital (leverage) ratio | 30.3754% | 58 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,201,200 | 4,812 |
| Average earning assets | $17,248,400 | 4,797 |
| Average equity | $5,379,200 | 4,592 |
| Average total loans | $8,820,600 | 4,746 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 1,172 |
| Cost of funding earning assets | 0.2745% | 2,850 |
| Net interest margin | 3.8832% | 971 |
| Noninterest income to average assets | 0.3665% | 3,263 |
| Noninterest expense to average assets | 4.8969% | 181 |
| Loan and lease loss provision to assets | 0.1265% | 926 |
| Net operating income to assets | -1.1363% | 4,867 |
| Return on assets (ROA) | -1.1363% | 4,870 |
| Pretax return on assets | -1.1289% | 4,867 |
| Return on Equity (ROE) | -4.1155% | 4,833 |
| Retained earnings to average equity (ytd only) | -4.1155% | 4,768 |
| Net charge-offs to loans | 0.2531% | 322 |
| Credit loss provision to net charge-offs | 121.4286% | 1,460 |
| Earnings coverage of net charge-offs (x) | -9.7857% | 2,438 |
| Efficiency ratio | 125.8004% | 64 |
| Assets per employee ($millions) | 1.9662% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 1,733 |
| Loan loss allowance to noncurrent loans | 158.2090% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 2,078 |
| Noncurrent loans to loans | 0.9311% | 1,233 |
| Net loans and leases to total assets | 36.0594% | 4,387 |
| Net loans and leases to deposits | 52.5419% | 3,842 |
| Net loans and leases to core deposits | 53.5296% | 3,947 |
| Total domestic deposits to total assets | 68.6298% | 4,767 |
| Equity capital to assets | 31.2837% | 59 |
| Core capital (leverage) ratio | 30.1471% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $18,187,750 | 4,887 |
| Average earning assets | $16,515,000 | 4,874 |
| Average equity | $5,021,500 | 4,699 |
| Average total loans | $7,374,250 | 4,835 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2297% | 1,131 |
| Cost of funding earning assets | 0.2745% | 3,050 |
| Net interest margin | 3.9552% | 879 |
| Noninterest income to average assets | 0.3617% | 3,290 |
| Noninterest expense to average assets | 4.1930% | 251 |
| Loan and lease loss provision to assets | 0.1582% | 731 |
| Net operating income to assets | -0.4182% | 4,858 |
| Return on assets (ROA) | -0.4182% | 4,862 |
| Pretax return on assets | -0.4069% | 4,856 |
| Return on Equity (ROE) | -1.5931% | 4,834 |
| Retained earnings to average equity (ytd only) | -1.5931% | 4,649 |
| Net charge-offs to loans | 0.3498% | 244 |
| Credit loss provision to net charge-offs | 107.6923% | 1,321 |
| Earnings coverage of net charge-offs (x) | -1.6923% | 2,214 |
| Efficiency ratio | 106.3037% | 114 |
| Assets per employee ($millions) | 2.5068% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 1,976 |
| Loan loss allowance to noncurrent loans | 118.1818% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4388% | 1,872 |
| Noncurrent loans to loans | 1.1847% | 1,017 |
| Net loans and leases to total assets | 36.5214% | 4,443 |
| Net loans and leases to deposits | 55.2130% | 3,770 |
| Net loans and leases to core deposits | 56.2692% | 3,873 |
| Total domestic deposits to total assets | 66.1464% | 4,818 |
| Equity capital to assets | 31.2955% | 59 |
| Core capital (leverage) ratio | 30.5486% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 61.0717% | 58 |
| Memoranda: | ||
| Average total assets | $17,696,333 | 4,924 |
| Average earning assets | $16,029,667 | 4,913 |
| Average equity | $4,645,000 | 4,755 |
| Average total loans | $7,433,667 | 4,871 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 699 |
| Cost of funding earning assets | 0.2958% | 3,037 |
| Net interest margin | 4.2751% | 539 |
| Noninterest income to average assets | 0.4117% | 3,033 |
| Noninterest expense to average assets | 3.7778% | 341 |
| Loan and lease loss provision to assets | 0.1211% | 1,136 |
| Net operating income to assets | 0.3390% | 4,464 |
| Return on assets (ROA) | 0.3390% | 4,499 |
| Pretax return on assets | 0.3633% | 4,539 |
| Return on Equity (ROE) | 1.4623% | 4,662 |
| Retained earnings to average equity (ytd only) | 1.4623% | 4,130 |
| Net charge-offs to loans | 0.3227% | 262 |
| Credit loss provision to net charge-offs | 83.3333% | 1,191 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 1,769 |
| Efficiency ratio | 88.6364% | 419 |
| Assets per employee ($millions) | 3.2730% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 2,055 |
| Loan loss allowance to noncurrent loans | 91.8919% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.5652% | 1,674 |
| Noncurrent loans to loans | 1.5006% | 836 |
| Net loans and leases to total assets | 37.1474% | 4,449 |
| Net loans and leases to deposits | 56.9788% | 3,722 |
| Net loans and leases to core deposits | 58.1090% | 3,826 |
| Total domestic deposits to total assets | 65.1950% | 4,849 |
| Equity capital to assets | 32.2029% | 53 |
| Core capital (leverage) ratio | 39.8409% | 43 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 63.1403% | 51 |
| Memoranda: | ||
| Average total assets | $16,517,500 | 4,959 |
| Average earning assets | $14,877,000 | 4,945 |
| Average equity | $3,829,500 | 4,840 |
| Average total loans | $7,436,500 | 4,897 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0339% | 91 |
| Cost of funding earning assets | 0.4304% | 3,404 |
| Net interest margin | 5.6036% | 61 |
| Noninterest income to average assets | 0.8774% | 1,322 |
| Noninterest expense to average assets | 4.8980% | 202 |
| Loan and lease loss provision to assets | 0.1450% | 2,556 |
| Net operating income to assets | 0.7019% | 3,426 |
| Return on assets (ROA) | 0.6180% | 3,811 |
| Pretax return on assets | 0.6180% | 4,043 |
| Return on Equity (ROE) | 6.2212% | 3,512 |
| Retained earnings to average equity (ytd only) | 0.7680% | 4,301 |
| Net charge-offs to loans | 0.2649% | 653 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 5.8421% | 2,831 |
| Efficiency ratio | 85.2590% | 559 |
| Assets per employee ($millions) | 2.2328% | 4,908 |
| Cash dividends to net income (ytd only)* | 87.6543% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 2,063 |
| Loan loss allowance to noncurrent loans | 57.2222% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.3436% | 590 |
| Noncurrent loans to loans | 2.4077% | 436 |
| Net loans and leases to total assets | 55.0347% | 3,386 |
| Net loans and leases to deposits | 63.8134% | 3,455 |
| Net loans and leases to core deposits | 65.2189% | 3,610 |
| Total domestic deposits to total assets | 86.2432% | 2,255 |
| Equity capital to assets | 9.9649% | 3,158 |
| Core capital (leverage) ratio | 8.9715% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8000% | 1,927 |
| Memoranda: | ||
| Average total assets | $13,107,400 | 4,992 |
| Average earning assets | $11,385,600 | 4,980 |
| Average equity | $1,302,000 | 4,989 |
| Average total loans | $7,173,600 | 4,927 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1328% | 89 |
| Cost of funding earning assets | 0.4372% | 3,599 |
| Net interest margin | 5.6956% | 60 |
| Noninterest income to average assets | 0.6955% | 1,814 |
| Noninterest expense to average assets | 4.9302% | 194 |
| Loan and lease loss provision to assets | 0.1458% | 2,566 |
| Net operating income to assets | 0.5523% | 3,906 |
| Return on assets (ROA) | 0.6751% | 3,653 |
| Pretax return on assets | 0.6751% | 3,956 |
| Return on Equity (ROE) | 6.8018% | 3,272 |
| Retained earnings to average equity (ytd only) | 6.8018% | 1,776 |
| Net charge-offs to loans | -0.0188% | 4,397 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6364% | 429 |
| Assets per employee ($millions) | 2.2047% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 1,227 |
| Loan loss allowance to noncurrent loans | 65.5556% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.3607% | 670 |
| Noncurrent loans to loans | 2.3675% | 463 |
| Net loans and leases to total assets | 56.5845% | 3,567 |
| Net loans and leases to deposits | 66.1511% | 3,606 |
| Net loans and leases to core deposits | 67.6396% | 3,779 |
| Total domestic deposits to total assets | 85.5383% | 2,241 |
| Equity capital to assets | 10.4022% | 2,869 |
| Core capital (leverage) ratio | 9.4426% | 3,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4444% | 1,677 |
| Memoranda: | ||
| Average total assets | $13,035,000 | 5,024 |
| Average earning assets | $11,283,250 | 5,012 |
| Average equity | $1,293,750 | 5,022 |
| Average total loans | $7,098,000 | 4,965 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0840% | 136 |
| Cost of funding earning assets | 0.4460% | 3,813 |
| Net interest margin | 5.6380% | 83 |
| Noninterest income to average assets | 0.4626% | 2,751 |
| Noninterest expense to average assets | 4.7800% | 215 |
| Loan and lease loss provision to assets | 0.1388% | 2,623 |
| Net operating income to assets | 0.4163% | 4,202 |
| Return on assets (ROA) | 0.6014% | 3,809 |
| Pretax return on assets | 0.6014% | 4,059 |
| Return on Equity (ROE) | 6.1595% | 3,451 |
| Retained earnings to average equity (ytd only) | 6.1595% | 2,008 |
| Net charge-offs to loans | 0.0289% | 2,141 |
| Credit loss provision to net charge-offs | 900.0000% | 850 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,312 |
| Efficiency ratio | 89.5954% | 393 |
| Assets per employee ($millions) | 2.2385% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 1,168 |
| Loan loss allowance to noncurrent loans | 370.0000% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 3,438 |
| Noncurrent loans to loans | 0.4143% | 2,926 |
| Net loans and leases to total assets | 53.0936% | 3,952 |
| Net loans and leases to deposits | 61.6016% | 4,030 |
| Net loans and leases to core deposits | 62.9558% | 4,130 |
| Total domestic deposits to total assets | 86.1887% | 1,930 |
| Equity capital to assets | 9.9620% | 3,244 |
| Core capital (leverage) ratio | 9.1890% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5267% | 1,627 |
| Memoranda: | ||
| Average total assets | $12,970,667 | 5,057 |
| Average earning assets | $11,209,667 | 5,045 |
| Average equity | $1,266,333 | 5,055 |
| Average total loans | $6,929,667 | 5,001 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2417% | 119 |
| Cost of funding earning assets | 0.4745% | 4,050 |
| Net interest margin | 5.7672% | 65 |
| Noninterest income to average assets | 0.6907% | 1,681 |
| Noninterest expense to average assets | 5.0234% | 220 |
| Loan and lease loss provision to assets | 0.1884% | 1,585 |
| Net operating income to assets | 0.4395% | 4,047 |
| Return on assets (ROA) | 0.8163% | 2,937 |
| Pretax return on assets | 0.8163% | 3,373 |
| Return on Equity (ROE) | 8.4518% | 2,332 |
| Retained earnings to average equity (ytd only) | 8.4518% | 1,112 |
| Net charge-offs to loans | 0.0591% | 1,418 |
| Credit loss provision to net charge-offs | 600.0000% | 790 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,426 |
| Efficiency ratio | 88.8889% | 541 |
| Assets per employee ($millions) | 2.1258% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 1,043 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 51.7209% | 4,133 |
| Net loans and leases to deposits | 59.9727% | 4,197 |
| Net loans and leases to core deposits | 61.3617% | 4,299 |
| Total domestic deposits to total assets | 86.2407% | 1,900 |
| Equity capital to assets | 9.6746% | 4,064 |
| Core capital (leverage) ratio | 9.0340% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1702% | 1,562 |
| Memoranda: | ||
| Average total assets | $12,740,500 | 5,106 |
| Average earning assets | $10,958,500 | 5,095 |
| Average equity | $1,230,500 | 5,107 |
| Average total loans | $6,773,500 | 5,047 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1123% | 192 |
| Cost of funding earning assets | 0.4551% | 4,254 |
| Net interest margin | 5.6572% | 90 |
| Noninterest income to average assets | 0.8472% | 1,309 |
| Noninterest expense to average assets | 4.5860% | 283 |
| Loan and lease loss provision to assets | 0.0933% | 2,169 |
| Net operating income to assets | 1.0960% | 2,462 |
| Return on assets (ROA) | 0.6529% | 4,082 |
| Pretax return on assets | 0.6529% | 4,319 |
| Return on Equity (ROE) | 7.1709% | 3,491 |
| Retained earnings to average equity (ytd only) | 1.1098% | 4,351 |
| Net charge-offs to loans | 0.1690% | 1,198 |
| Credit loss provision to net charge-offs | 109.0909% | 2,282 |
| Earnings coverage of net charge-offs (x) | 13.9091% | 2,318 |
| Efficiency ratio | 79.4078% | 993 |
| Assets per employee ($millions) | 2.1210% | 5,069 |
| Cash dividends to net income (ytd only)* | 84.5238% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 52.9546% | 4,153 |
| Net loans and leases to deposits | 61.3138% | 4,226 |
| Net loans and leases to core deposits | 62.7351% | 4,334 |
| Total domestic deposits to total assets | 86.3665% | 1,902 |
| Equity capital to assets | 9.6417% | 4,228 |
| Core capital (leverage) ratio | 9.3293% | 4,249 |
| Tier 1 risk-based capital ratio | 14.4250% | 3,060 |
| Total risk-based capital ratio | 15.6737% | 2,963 |
| Memoranda: | ||
| Average total assets | $12,865,200 | 5,164 |
| Average earning assets | $11,207,000 | 5,156 |
| Average equity | $1,171,400 | 5,169 |
| Average total loans | $6,510,400 | 5,112 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0567% | 215 |
| Cost of funding earning assets | 0.4722% | 4,254 |
| Net interest margin | 5.5844% | 104 |
| Noninterest income to average assets | 0.8888% | 1,164 |
| Noninterest expense to average assets | 4.5787% | 281 |
| Loan and lease loss provision to assets | 0.0930% | 2,049 |
| Net operating income to assets | 1.1059% | 2,550 |
| Return on assets (ROA) | 0.5168% | 4,529 |
| Pretax return on assets | 0.5168% | 4,680 |
| Return on Equity (ROE) | 5.7598% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.7598% | 2,474 |
| Net charge-offs to loans | 0.1245% | 1,268 |
| Credit loss provision to net charge-offs | 150.0000% | 1,631 |
| Earnings coverage of net charge-offs (x) | 19.3325% | 2,007 |
| Efficiency ratio | 79.2487% | 987 |
| Assets per employee ($millions) | 2.1312% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 967 |
| Loan loss allowance to noncurrent loans | 1,312.5000% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 4,398 |
| Noncurrent loans to loans | 0.1231% | 4,101 |
| Net loans and leases to total assets | 50.0196% | 4,427 |
| Net loans and leases to deposits | 58.0399% | 4,475 |
| Net loans and leases to core deposits | 59.3817% | 4,557 |
| Total domestic deposits to total assets | 86.1813% | 1,912 |
| Equity capital to assets | 9.8616% | 4,149 |
| Core capital (leverage) ratio | 9.5187% | 4,147 |
| Tier 1 risk-based capital ratio | 15.7061% | 2,557 |
| Total risk-based capital ratio | 16.9601% | 2,491 |
| Memoranda: | ||
| Average total assets | $12,900,000 | 5,240 |
| Average earning assets | $11,293,000 | 5,234 |
| Average equity | $1,157,500 | 5,248 |
| Average total loans | $6,427,500 | 5,194 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9485% | 261 |
| Cost of funding earning assets | 0.4766% | 4,223 |
| Net interest margin | 5.4719% | 130 |
| Noninterest income to average assets | 0.6647% | 1,854 |
| Noninterest expense to average assets | 4.5140% | 299 |
| Loan and lease loss provision to assets | 0.1855% | 957 |
| Net operating income to assets | 0.7575% | 3,801 |
| Return on assets (ROA) | 0.4483% | 4,672 |
| Pretax return on assets | 0.4483% | 4,766 |
| Return on Equity (ROE) | 5.1647% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.1647% | 2,689 |
| Net charge-offs to loans | 0.1874% | 884 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 10.1667% | 2,286 |
| Efficiency ratio | 82.7195% | 750 |
| Assets per employee ($millions) | 2.1392% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6778% | 860 |
| Loan loss allowance to noncurrent loans | 675.0000% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 4,128 |
| Noncurrent loans to loans | 0.2486% | 3,646 |
| Net loans and leases to total assets | 49.3105% | 4,505 |
| Net loans and leases to deposits | 56.7216% | 4,567 |
| Net loans and leases to core deposits | 58.0163% | 4,643 |
| Total domestic deposits to total assets | 86.9342% | 1,625 |
| Equity capital to assets | 9.1391% | 4,704 |
| Core capital (leverage) ratio | 9.2510% | 4,408 |
| Tier 1 risk-based capital ratio | 14.7628% | 2,935 |
| Total risk-based capital ratio | 16.0120% | 2,867 |
| Memoranda: | ||
| Average total assets | $12,937,670 | 5,287 |
| Average earning assets | $11,330,670 | 5,279 |
| Average equity | $1,123,000 | 5,295 |
| Average total loans | $6,403,000 | 5,240 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8679% | 274 |
| Cost of funding earning assets | 0.4568% | 4,260 |
| Net interest margin | 5.4111% | 150 |
| Noninterest income to average assets | 0.6159% | 1,969 |
| Noninterest expense to average assets | 4.3729% | 346 |
| Loan and lease loss provision to assets | 0.1232% | 1,425 |
| Net operating income to assets | 0.8623% | 3,391 |
| Return on assets (ROA) | 0.8623% | 3,441 |
| Pretax return on assets | 0.8623% | 3,889 |
| Return on Equity (ROE) | 10.2004% | 2,276 |
| Retained earnings to average equity (ytd only) | 10.2004% | 985 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6092% | 911 |
| Assets per employee ($millions) | 1.9306% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 970 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 3,009 |
| Noncurrent loans to loans | 0.8227% | 2,000 |
| Net loans and leases to total assets | 46.8847% | 4,627 |
| Net loans and leases to deposits | 53.3064% | 4,702 |
| Net loans and leases to core deposits | 54.4470% | 4,770 |
| Total domestic deposits to total assets | 87.9532% | 1,357 |
| Equity capital to assets | 8.2729% | 5,096 |
| Core capital (leverage) ratio | 9.2400% | 4,422 |
| Tier 1 risk-based capital ratio | 14.5636% | 3,079 |
| Total risk-based capital ratio | 15.8088% | 3,003 |
| Memoranda: | ||
| Average total assets | $12,989,000 | 5,345 |
| Average earning assets | $11,384,000 | 5,337 |
| Average equity | $1,098,000 | 5,354 |
| Average total loans | $6,386,000 | 5,300 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0673% | 151 |
| Cost of funding earning assets | 0.5033% | 3,323 |
| Net interest margin | 5.5640% | 102 |
| Noninterest income to average assets | 0.9499% | 1,063 |
| Noninterest expense to average assets | 4.5968% | 278 |
| Loan and lease loss provision to assets | -0.0725% | 5,235 |
| Net operating income to assets | 1.2317% | 2,038 |
| Return on assets (ROA) | 0.4508% | 4,764 |
| Pretax return on assets | 0.4508% | 4,873 |
| Return on Equity (ROE) | 5.1556% | 4,422 |
| Retained earnings to average equity (ytd only) | 0.5524% | 4,835 |
| Net charge-offs to loans | 0.2554% | 756 |
| Credit loss provision to net charge-offs | -56.2500% | 4,339 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,845 |
| Efficiency ratio | 79.8601% | 973 |
| Assets per employee ($millions) | 1.7806% | 5,329 |
| Cash dividends to net income (ytd only)* | 89.2857% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 1,008 |
| Loan loss allowance to noncurrent loans | 329.0323% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 3,606 |
| Noncurrent loans to loans | 0.4897% | 2,805 |
| Net loans and leases to total assets | 49.9679% | 4,521 |
| Net loans and leases to deposits | 57.2532% | 4,608 |
| Net loans and leases to core deposits | 58.5944% | 4,682 |
| Total domestic deposits to total assets | 87.2754% | 1,653 |
| Equity capital to assets | 8.6489% | 4,845 |
| Core capital (leverage) ratio | 9.5847% | 4,020 |
| Tier 1 risk-based capital ratio | 13.9018% | 3,330 |
| Total risk-based capital ratio | 15.1529% | 3,261 |
| Memoranda: | ||
| Average total assets | $12,421,800 | 5,392 |
| Average earning assets | $10,729,600 | 5,383 |
| Average equity | $1,086,200 | 5,399 |
| Average total loans | $6,263,800 | 5,342 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8808% | 186 |
| Cost of funding earning assets | 0.4859% | 3,284 |
| Net interest margin | 5.3949% | 128 |
| Noninterest income to average assets | 1.0205% | 922 |
| Noninterest expense to average assets | 4.8879% | 219 |
| Loan and lease loss provision to assets | 0.0860% | 2,253 |
| Net operating income to assets | 0.6982% | 4,226 |
| Return on assets (ROA) | 0.6982% | 4,237 |
| Pretax return on assets | 0.6982% | 4,538 |
| Return on Equity (ROE) | 7.9632% | 3,565 |
| Retained earnings to average equity (ytd only) | 7.9632% | 1,675 |
| Net charge-offs to loans | 0.2989% | 553 |
| Credit loss provision to net charge-offs | 57.1429% | 2,776 |
| Earnings coverage of net charge-offs (x) | 5.2132% | 2,977 |
| Efficiency ratio | 86.1742% | 503 |
| Assets per employee ($millions) | 1.7499% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9139% | 572 |
| Loan loss allowance to noncurrent loans | 387.0968% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 3,693 |
| Noncurrent loans to loans | 0.4944% | 2,910 |
| Net loans and leases to total assets | 50.2082% | 4,578 |
| Net loans and leases to deposits | 57.7899% | 4,655 |
| Net loans and leases to core deposits | 59.1744% | 4,737 |
| Total domestic deposits to total assets | 86.8806% | 1,786 |
| Equity capital to assets | 8.6783% | 4,812 |
| Core capital (leverage) ratio | 10.1426% | 3,479 |
| Tier 1 risk-based capital ratio | 14.5870% | 3,072 |
| Total risk-based capital ratio | 15.8383% | 2,995 |
| Memoranda: | ||
| Average total assets | $12,411,250 | 5,463 |
| Average earning assets | $10,701,250 | 5,454 |
| Average equity | $1,088,250 | 5,470 |
| Average total loans | $6,247,250 | 5,413 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8621% | 178 |
| Cost of funding earning assets | 0.5025% | 2,994 |
| Net interest margin | 5.3596% | 133 |
| Noninterest income to average assets | 0.8985% | 1,188 |
| Noninterest expense to average assets | 4.6369% | 265 |
| Loan and lease loss provision to assets | 0.0963% | 2,005 |
| Net operating income to assets | 0.7862% | 3,900 |
| Return on assets (ROA) | 0.7862% | 3,904 |
| Pretax return on assets | 0.7862% | 4,289 |
| Return on Equity (ROE) | 8.9361% | 3,051 |
| Retained earnings to average equity (ytd only) | 8.9361% | 1,238 |
| Net charge-offs to loans | 0.4808% | 319 |
| Credit loss provision to net charge-offs | 40.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 2,856 |
| Efficiency ratio | 84.0116% | 685 |
| Assets per employee ($millions) | 1.7701% | 5,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8461% | 691 |
| Loan loss allowance to noncurrent loans | 590.0000% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 4,178 |
| Noncurrent loans to loans | 0.3129% | 3,583 |
| Net loans and leases to total assets | 50.6335% | 4,572 |
| Net loans and leases to deposits | 58.0550% | 4,638 |
| Net loans and leases to core deposits | 59.4241% | 4,729 |
| Total domestic deposits to total assets | 87.2165% | 1,751 |
| Equity capital to assets | 8.5707% | 4,891 |
| Core capital (leverage) ratio | 9.7034% | 3,882 |
| Tier 1 risk-based capital ratio | 14.0278% | 3,347 |
| Total risk-based capital ratio | 15.2804% | 3,264 |
| Memoranda: | ||
| Average total assets | $12,465,330 | 5,526 |
| Average earning assets | $10,747,000 | 5,518 |
| Average equity | $1,096,670 | 5,533 |
| Average total loans | $6,239,670 | 5,478 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9400% | 153 |
| Cost of funding earning assets | 0.4826% | 2,932 |
| Net interest margin | 5.4573% | 112 |
| Noninterest income to average assets | 1.1838% | 655 |
| Noninterest expense to average assets | 4.8310% | 241 |
| Loan and lease loss provision to assets | 0.0960% | 1,912 |
| Net operating income to assets | 0.9598% | 3,033 |
| Return on assets (ROA) | 0.9598% | 3,049 |
| Pretax return on assets | 0.9598% | 3,667 |
| Return on Equity (ROE) | 10.7720% | 2,059 |
| Retained earnings to average equity (ytd only) | 10.7720% | 949 |
| Net charge-offs to loans | 0.9086% | 154 |
| Credit loss provision to net charge-offs | 21.4286% | 2,118 |
| Earnings coverage of net charge-offs (x) | 2.3571% | 2,473 |
| Efficiency ratio | 82.0652% | 941 |
| Assets per employee ($millions) | 2.1095% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8810% | 682 |
| Loan loss allowance to noncurrent loans | 610.5263% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 4,331 |
| Noncurrent loans to loans | 0.3081% | 3,667 |
| Net loans and leases to total assets | 47.8075% | 4,705 |
| Net loans and leases to deposits | 54.6464% | 4,765 |
| Net loans and leases to core deposits | 55.9035% | 4,847 |
| Total domestic deposits to total assets | 87.4852% | 1,905 |
| Equity capital to assets | 8.3906% | 5,054 |
| Core capital (leverage) ratio | 9.1610% | 4,490 |
| Tier 1 risk-based capital ratio | 13.7931% | 3,501 |
| Total risk-based capital ratio | 15.0439% | 3,406 |
| Memoranda: | ||
| Average total assets | $12,502,500 | 5,589 |
| Average earning assets | $10,774,500 | 5,580 |
| Average equity | $1,114,000 | 5,595 |
| Average total loans | $6,163,500 | 5,539 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5141% | 256 |
| Cost of funding earning assets | 0.4553% | 2,719 |
| Net interest margin | 5.0588% | 214 |
| Noninterest income to average assets | 0.9903% | 1,043 |
| Noninterest expense to average assets | 4.3279% | 363 |
| Loan and lease loss provision to assets | 0.1760% | 1,234 |
| Net operating income to assets | 0.8876% | 2,781 |
| Return on assets (ROA) | 1.0710% | 1,994 |
| Pretax return on assets | 1.0710% | 3,298 |
| Return on Equity (ROE) | 12.3813% | 1,111 |
| Retained earnings to average equity (ytd only) | 8.9891% | 508 |
| Net charge-offs to loans | 0.0824% | 2,276 |
| Credit loss provision to net charge-offs | 480.0000% | 650 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,583 |
| Efficiency ratio | 80.2721% | 1,081 |
| Assets per employee ($millions) | 2.0580% | 5,562 |
| Cash dividends to net income (ytd only)* | 27.3973% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0617% | 478 |
| Loan loss allowance to noncurrent loans | 254.0000% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 3,238 |
| Noncurrent loans to loans | 0.8117% | 2,179 |
| Net loans and leases to total assets | 48.8581% | 4,710 |
| Net loans and leases to deposits | 56.5258% | 4,770 |
| Net loans and leases to core deposits | 57.8761% | 4,856 |
| Total domestic deposits to total assets | 86.4351% | 2,260 |
| Equity capital to assets | 9.4428% | 4,278 |
| Core capital (leverage) ratio | 9.2738% | 4,323 |
| Tier 1 risk-based capital ratio | 13.7764% | 3,482 |
| Total risk-based capital ratio | 15.0340% | 3,393 |
| Memoranda: | ||
| Average total assets | $13,632,600 | 5,650 |
| Average earning assets | $11,860,600 | 5,640 |
| Average equity | $1,179,200 | 5,657 |
| Average total loans | $6,066,800 | 5,606 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4074% | 296 |
| Cost of funding earning assets | 0.4497% | 2,720 |
| Net interest margin | 4.9576% | 244 |
| Noninterest income to average assets | 1.0224% | 984 |
| Noninterest expense to average assets | 4.2138% | 400 |
| Loan and lease loss provision to assets | 0.1625% | 1,256 |
| Net operating income to assets | 0.9650% | 2,708 |
| Return on assets (ROA) | 1.2040% | 1,711 |
| Pretax return on assets | 1.2040% | 2,891 |
| Return on Equity (ROE) | 14.2072% | 791 |
| Retained earnings to average equity (ytd only) | 14.2072% | 147 |
| Net charge-offs to loans | 0.0662% | 2,174 |
| Credit loss provision to net charge-offs | 566.6667% | 563 |
| Earnings coverage of net charge-offs (x) | 39.3325% | 1,315 |
| Efficiency ratio | 78.8909% | 1,225 |
| Assets per employee ($millions) | 1.7993% | 5,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8586% | 767 |
| Loan loss allowance to noncurrent loans | 259.5745% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 3,533 |
| Noncurrent loans to loans | 0.7160% | 2,568 |
| Net loans and leases to total assets | 51.1473% | 4,637 |
| Net loans and leases to deposits | 59.4884% | 4,659 |
| Net loans and leases to core deposits | 59.4884% | 4,840 |
| Total domestic deposits to total assets | 85.9786% | 2,324 |
| Equity capital to assets | 9.9246% | 4,003 |
| Core capital (leverage) ratio | 9.1196% | 4,617 |
| Tier 1 risk-based capital ratio | 13.4307% | 3,745 |
| Total risk-based capital ratio | 14.6808% | 3,665 |
| Memoranda: | ||
| Average total assets | $13,953,750 | 5,714 |
| Average earning assets | $12,156,000 | 5,702 |
| Average equity | $1,182,500 | 5,724 |
| Average total loans | $6,043,500 | 5,671 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2789% | 345 |
| Cost of funding earning assets | 0.4293% | 2,809 |
| Net interest margin | 4.8496% | 289 |
| Noninterest income to average assets | 0.9718% | 1,085 |
| Noninterest expense to average assets | 4.0398% | 500 |
| Loan and lease loss provision to assets | 0.1111% | 1,842 |
| Net operating income to assets | 1.0551% | 2,184 |
| Return on assets (ROA) | 1.0967% | 2,052 |
| Pretax return on assets | 1.0967% | 3,195 |
| Return on Equity (ROE) | 13.6207% | 887 |
| Retained earnings to average equity (ytd only) | 13.6207% | 210 |
| Net charge-offs to loans | 0.1022% | 1,599 |
| Credit loss provision to net charge-offs | 266.6667% | 1,038 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,521 |
| Efficiency ratio | 77.6000% | 1,515 |
| Assets per employee ($millions) | 1.7249% | 5,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9081% | 716 |
| Loan loss allowance to noncurrent loans | 240.4255% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 3,754 |
| Noncurrent loans to loans | 0.7937% | 2,422 |
| Net loans and leases to total assets | 42.0973% | 5,140 |
| Net loans and leases to deposits | 48.1955% | 5,208 |
| Net loans and leases to core deposits | 48.1955% | 5,278 |
| Total domestic deposits to total assets | 87.3469% | 1,782 |
| Equity capital to assets | 8.9934% | 4,915 |
| Core capital (leverage) ratio | 7.9667% | 5,547 |
| Tier 1 risk-based capital ratio | 13.0547% | 3,964 |
| Total risk-based capital ratio | 14.3065% | 3,877 |
| Memoranda: | ||
| Average total assets | $14,406,670 | 5,762 |
| Average earning assets | $12,578,330 | 5,752 |
| Average equity | $1,160,000 | 5,775 |
| Average total loans | $5,870,000 | 5,722 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1314% | 423 |
| Cost of funding earning assets | 0.4609% | 2,422 |
| Net interest margin | 4.6705% | 392 |
| Noninterest income to average assets | 0.7070% | 1,933 |
| Noninterest expense to average assets | 3.9971% | 542 |
| Loan and lease loss provision to assets | 0.0816% | 2,184 |
| Net operating income to assets | 0.7614% | 3,419 |
| Return on assets (ROA) | 0.7614% | 3,471 |
| Pretax return on assets | 0.7614% | 4,240 |
| Return on Equity (ROE) | 10.0045% | 1,957 |
| Retained earnings to average equity (ytd only) | 10.0045% | 803 |
| Net charge-offs to loans | 0.0684% | 1,644 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,199 |
| Efficiency ratio | 82.5843% | 1,104 |
| Assets per employee ($millions) | 1.5462% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 37.5049% | 5,347 |
| Net loans and leases to deposits | 42.0096% | 5,416 |
| Net loans and leases to core deposits | 42.0096% | 5,466 |
| Total domestic deposits to total assets | 89.2769% | 1,016 |
| Equity capital to assets | 7.4311% | 5,693 |
| Core capital (leverage) ratio | 7.3810% | 5,727 |
| Tier 1 risk-based capital ratio | 9.5556% | 5,767 |
| Total risk-based capital ratio | 10.4975% | 5,790 |
| Memoranda: | ||
| Average total assets | $14,710,500 | 5,827 |
| Average earning assets | $13,018,000 | 5,818 |
| Average equity | $1,119,500 | 5,842 |
| Average total loans | $5,844,000 | 5,790 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8434% | 153 |
| Cost of funding earning assets | 0.4576% | 2,469 |
| Net interest margin | 5.3858% | 131 |
| Noninterest income to average assets | 0.5538% | 2,895 |
| Noninterest expense to average assets | 4.8049% | 290 |
| Loan and lease loss provision to assets | 0.0075% | 4,211 |
| Net operating income to assets | 0.3218% | 5,162 |
| Return on assets (ROA) | 0.5463% | 4,547 |
| Pretax return on assets | 0.5463% | 4,929 |
| Return on Equity (ROE) | 5.9234% | 4,017 |
| Retained earnings to average equity (ytd only) | 0.2434% | 5,219 |
| Net charge-offs to loans | 0.6167% | 372 |
| Credit loss provision to net charge-offs | 2.7027% | 3,774 |
| Earnings coverage of net charge-offs (x) | 1.1892% | 4,026 |
| Efficiency ratio | 93.5860% | 396 |
| Assets per employee ($millions) | 1.5510% | 5,840 |
| Cash dividends to net income (ytd only)* | 95.8904% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8688% | 850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 40.6261% | 5,290 |
| Net loans and leases to deposits | 46.1395% | 5,362 |
| Net loans and leases to core deposits | 46.1395% | 5,425 |
| Total domestic deposits to total assets | 88.0507% | 1,608 |
| Equity capital to assets | 7.8086% | 5,634 |
| Core capital (leverage) ratio | 7.8273% | 5,675 |
| Tier 1 risk-based capital ratio | 10.4746% | 5,582 |
| Total risk-based capital ratio | 11.5144% | 5,612 |
| Memoranda: | ||
| Average total assets | $13,361,400 | 5,889 |
| Average earning assets | $11,363,200 | 5,882 |
| Average equity | $1,232,400 | 5,899 |
| Average total loans | $5,999,800 | 5,846 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9158% | 135 |
| Cost of funding earning assets | 0.4680% | 2,387 |
| Net interest margin | 5.4478% | 124 |
| Noninterest income to average assets | 1.0294% | 1,081 |
| Noninterest expense to average assets | 4.6522% | 336 |
| Loan and lease loss provision to assets | 0.0808% | 2,592 |
| Net operating income to assets | 0.8780% | 3,020 |
| Return on assets (ROA) | 0.5752% | 4,503 |
| Pretax return on assets | 0.5752% | 4,944 |
| Return on Equity (ROE) | 5.9937% | 4,066 |
| Retained earnings to average equity (ytd only) | 5.9937% | 2,187 |
| Net charge-offs to loans | 0.5945% | 350 |
| Credit loss provision to net charge-offs | 29.6296% | 3,227 |
| Earnings coverage of net charge-offs (x) | 3.5183% | 3,408 |
| Efficiency ratio | 82.9137% | 1,081 |
| Assets per employee ($millions) | 1.4640% | 5,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 585 |
| Loan loss allowance to noncurrent loans | 1,136.3636% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.5313% | 3,332 |
| Noncurrent loans to loans | 0.1863% | 4,600 |
| Net loans and leases to total assets | 43.8600% | 5,201 |
| Net loans and leases to deposits | 50.8670% | 5,259 |
| Net loans and leases to core deposits | 50.8670% | 5,353 |
| Total domestic deposits to total assets | 86.2250% | 2,250 |
| Equity capital to assets | 9.8588% | 4,293 |
| Core capital (leverage) ratio | 8.5270% | 5,340 |
| Tier 1 risk-based capital ratio | 12.0308% | 4,775 |
| Total risk-based capital ratio | 13.2855% | 4,671 |
| Memoranda: | ||
| Average total assets | $13,212,000 | 5,958 |
| Average earning assets | $11,111,250 | 5,948 |
| Average equity | $1,268,000 | 5,963 |
| Average total loans | $6,055,000 | 5,910 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9399% | 133 |
| Cost of funding earning assets | 0.4708% | 2,363 |
| Net interest margin | 5.4690% | 119 |
| Noninterest income to average assets | 0.6806% | 2,230 |
| Noninterest expense to average assets | 4.6279% | 341 |
| Loan and lease loss provision to assets | 0.0756% | 2,621 |
| Net operating income to assets | 0.5445% | 4,503 |
| Return on assets (ROA) | 0.5445% | 4,613 |
| Pretax return on assets | 0.5445% | 5,039 |
| Return on Equity (ROE) | 5.7249% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.7249% | 2,283 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1844% | 714 |
| Assets per employee ($millions) | 1.4720% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4866% | 369 |
| Loan loss allowance to noncurrent loans | 90.8537% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.6908% | 1,064 |
| Noncurrent loans to loans | 2.7370% | 587 |
| Net loans and leases to total assets | 44.1048% | 5,226 |
| Net loans and leases to deposits | 51.5665% | 5,266 |
| Net loans and leases to core deposits | 51.5665% | 5,375 |
| Total domestic deposits to total assets | 85.5299% | 2,632 |
| Equity capital to assets | 9.9185% | 4,326 |
| Core capital (leverage) ratio | 8.0808% | 5,682 |
| Tier 1 risk-based capital ratio | 12.0056% | 4,826 |
| Total risk-based capital ratio | 13.2597% | 4,734 |
| Memoranda: | ||
| Average total assets | $13,224,000 | 6,036 |
| Average earning assets | $11,044,000 | 6,026 |
| Average equity | $1,257,670 | 6,041 |
| Average total loans | $6,105,330 | 5,985 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9332% | 133 |
| Cost of funding earning assets | 0.4341% | 2,734 |
| Net interest margin | 5.4990% | 118 |
| Noninterest income to average assets | 0.5752% | 2,654 |
| Noninterest expense to average assets | 4.6019% | 362 |
| Loan and lease loss provision to assets | 0.0908% | 2,170 |
| Net operating income to assets | 0.4844% | 4,694 |
| Return on assets (ROA) | 0.4844% | 4,791 |
| Pretax return on assets | 0.4844% | 5,128 |
| Return on Equity (ROE) | 5.2054% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.2054% | 2,815 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8889% | 753 |
| Assets per employee ($millions) | 1.5040% | 6,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3937% | 449 |
| Loan loss allowance to noncurrent loans | 1,336.3636% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 3,529 |
| Noncurrent loans to loans | 0.1791% | 4,766 |
| Net loans and leases to total assets | 44.2819% | 5,227 |
| Net loans and leases to deposits | 50.9737% | 5,285 |
| Net loans and leases to core deposits | 50.9737% | 5,406 |
| Total domestic deposits to total assets | 86.8720% | 2,265 |
| Equity capital to assets | 9.3085% | 4,880 |
| Core capital (leverage) ratio | 8.0772% | 5,737 |
| Tier 1 risk-based capital ratio | 11.0012% | 5,505 |
| Total risk-based capital ratio | 12.2602% | 5,406 |
| Memoranda: | ||
| Average total assets | $13,212,000 | 6,097 |
| Average earning assets | $11,056,500 | 6,088 |
| Average equity | $1,229,500 | 6,105 |
| Average total loans | $6,162,000 | 6,046 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9839% | 134 |
| Cost of funding earning assets | 0.4262% | 2,884 |
| Net interest margin | 5.5577% | 111 |
| Noninterest income to average assets | 0.9391% | 1,343 |
| Noninterest expense to average assets | 4.6160% | 377 |
| Loan and lease loss provision to assets | 0.0795% | 2,694 |
| Net operating income to assets | 1.0474% | 2,136 |
| Return on assets (ROA) | 1.0474% | 2,220 |
| Pretax return on assets | 1.0474% | 3,278 |
| Return on Equity (ROE) | 11.4462% | 1,457 |
| Retained earnings to average equity (ytd only) | 0.3947% | 5,355 |
| Net charge-offs to loans | -0.0152% | 5,208 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3774% | 1,627 |
| Assets per employee ($millions) | 1.6110% | 6,097 |
| Cash dividends to net income (ytd only)* | 96.5517% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3290% | 497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 3,560 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 46.8575% | 5,106 |
| Net loans and leases to deposits | 54.7259% | 5,120 |
| Net loans and leases to core deposits | 54.7259% | 5,272 |
| Total domestic deposits to total assets | 85.6223% | 2,804 |
| Equity capital to assets | 9.3032% | 4,789 |
| Core capital (leverage) ratio | 8.1559% | 5,728 |
| Tier 1 risk-based capital ratio | 11.6135% | 5,185 |
| Total risk-based capital ratio | 12.8669% | 5,090 |
| Memoranda: | ||
| Average total assets | $13,843,200 | 6,153 |
| Average earning assets | $11,965,400 | 6,146 |
| Average equity | $1,266,800 | 6,162 |
| Average total loans | $6,568,000 | 6,094 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9171% | 148 |
| Cost of funding earning assets | 0.4351% | 2,850 |
| Net interest margin | 5.4820% | 129 |
| Noninterest income to average assets | 0.7290% | 2,113 |
| Noninterest expense to average assets | 4.3742% | 448 |
| Loan and lease loss provision to assets | 0.0663% | 2,859 |
| Net operating income to assets | 1.0604% | 2,166 |
| Return on assets (ROA) | 1.0604% | 2,260 |
| Pretax return on assets | 1.0604% | 3,372 |
| Return on Equity (ROE) | 11.6323% | 1,487 |
| Retained earnings to average equity (ytd only) | 11.6323% | 402 |
| Net charge-offs to loans | -0.0401% | 5,466 |
| Credit loss provision to net charge-offs | -350.0000% | 5,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5181% | 1,727 |
| Assets per employee ($millions) | 1.6426% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2194% | 641 |
| Loan loss allowance to noncurrent loans | 3,525.0000% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 3,681 |
| Noncurrent loans to loans | 0.0630% | 5,366 |
| Net loans and leases to total assets | 47.2719% | 5,136 |
| Net loans and leases to deposits | 54.9880% | 5,185 |
| Net loans and leases to core deposits | 54.9880% | 5,356 |
| Total domestic deposits to total assets | 85.9676% | 2,536 |
| Equity capital to assets | 10.1286% | 4,024 |
| Core capital (leverage) ratio | 8.7217% | 5,326 |
| Tier 1 risk-based capital ratio | 12.5659% | 4,709 |
| Total risk-based capital ratio | 13.8204% | 4,605 |
| Memoranda: | ||
| Average total assets | $14,082,000 | 6,237 |
| Average earning assets | $12,258,000 | 6,229 |
| Average equity | $1,283,750 | 6,246 |
| Average total loans | $6,664,250 | 6,175 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7808% | 168 |
| Cost of funding earning assets | 0.3959% | 3,317 |
| Net interest margin | 5.3849% | 146 |
| Noninterest income to average assets | 0.7641% | 1,930 |
| Noninterest expense to average assets | 4.2513% | 515 |
| Loan and lease loss provision to assets | 0.0834% | 2,451 |
| Net operating income to assets | 1.1531% | 1,770 |
| Return on assets (ROA) | 1.1531% | 1,835 |
| Pretax return on assets | 1.1531% | 2,962 |
| Return on Equity (ROE) | 13.0915% | 1,094 |
| Retained earnings to average equity (ytd only) | 13.0915% | 300 |
| Net charge-offs to loans | 0.0296% | 3,074 |
| Credit loss provision to net charge-offs | 600.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 653 |
| Efficiency ratio | 77.4684% | 2,142 |
| Assets per employee ($millions) | 1.7103% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0723% | 889 |
| Loan loss allowance to noncurrent loans | 622.7273% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 3,637 |
| Noncurrent loans to loans | 0.3328% | 4,494 |
| Net loans and leases to total assets | 47.3176% | 5,162 |
| Net loans and leases to deposits | 55.1307% | 5,185 |
| Net loans and leases to core deposits | 55.1307% | 5,365 |
| Total domestic deposits to total assets | 85.8281% | 2,783 |
| Equity capital to assets | 9.2603% | 4,941 |
| Core capital (leverage) ratio | 7.9816% | 5,939 |
| Tier 1 risk-based capital ratio | 11.7344% | 5,317 |
| Total risk-based capital ratio | 12.9856% | 5,232 |
| Memoranda: | ||
| Average total assets | $14,395,670 | 6,313 |
| Average earning assets | $12,628,000 | 6,302 |
| Average equity | $1,268,000 | 6,323 |
| Average total loans | $6,768,000 | 6,245 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6659% | 205 |
| Cost of funding earning assets | 0.3695% | 3,653 |
| Net interest margin | 5.2964% | 157 |
| Noninterest income to average assets | 0.9490% | 1,236 |
| Noninterest expense to average assets | 4.2840% | 511 |
| Loan and lease loss provision to assets | 0.0813% | 2,342 |
| Net operating income to assets | 1.2472% | 1,414 |
| Return on assets (ROA) | 1.2472% | 1,501 |
| Pretax return on assets | 1.2472% | 2,484 |
| Return on Equity (ROE) | 14.5053% | 788 |
| Retained earnings to average equity (ytd only) | 14.5053% | 322 |
| Net charge-offs to loans | 0.0584% | 2,172 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 845 |
| Efficiency ratio | 76.3285% | 2,464 |
| Assets per employee ($millions) | 1.8539% | 6,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9870% | 1,107 |
| Loan loss allowance to noncurrent loans | 446.6667% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 3,683 |
| Noncurrent loans to loans | 0.4448% | 4,253 |
| Net loans and leases to total assets | 44.5688% | 5,304 |
| Net loans and leases to deposits | 50.8110% | 5,404 |
| Net loans and leases to core deposits | 50.8110% | 5,553 |
| Total domestic deposits to total assets | 87.7149% | 1,980 |
| Equity capital to assets | 8.8261% | 5,474 |
| Core capital (leverage) ratio | 7.4555% | 6,158 |
| Tier 1 risk-based capital ratio | 9.3119% | 6,290 |
| Total risk-based capital ratio | 10.5607% | 6,277 |
| Memoranda: | ||
| Average total assets | $14,752,500 | 6,380 |
| Average earning assets | $12,990,000 | 6,369 |
| Average equity | $1,268,500 | 6,392 |
| Average total loans | $6,846,500 | 6,314 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0113% | 151 |
| Cost of funding earning assets | 0.4403% | 3,266 |
| Net interest margin | 5.5711% | 118 |
| Noninterest income to average assets | 0.8905% | 1,536 |
| Noninterest expense to average assets | 4.7099% | 389 |
| Loan and lease loss provision to assets | -0.0294% | 5,964 |
| Net operating income to assets | 1.0524% | 2,151 |
| Return on assets (ROA) | 1.0524% | 2,216 |
| Pretax return on assets | 1.0524% | 3,290 |
| Return on Equity (ROE) | 11.8358% | 1,455 |
| Retained earnings to average equity (ytd only) | 1.0760% | 5,288 |
| Net charge-offs to loans | 0.0148% | 4,583 |
| Credit loss provision to net charge-offs | -400.0000% | 5,745 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 385 |
| Efficiency ratio | 82.1566% | 1,646 |
| Assets per employee ($millions) | 1.8343% | 6,395 |
| Cash dividends to net income (ytd only)* | 90.9091% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8996% | 1,313 |
| Loan loss allowance to noncurrent loans | 103.1250% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.2744% | 2,213 |
| Noncurrent loans to loans | 1.8420% | 1,549 |
| Net loans and leases to total assets | 46.4563% | 5,290 |
| Net loans and leases to deposits | 53.2245% | 5,391 |
| Net loans and leases to core deposits | 53.2245% | 5,548 |
| Total domestic deposits to total assets | 87.2836% | 2,134 |
| Equity capital to assets | 8.3685% | 5,849 |
| Core capital (leverage) ratio | 7.4245% | 6,231 |
| Tier 1 risk-based capital ratio | 11.1686% | 5,834 |
| Total risk-based capital ratio | 12.4211% | 5,771 |
| Memoranda: | ||
| Average total assets | $13,588,400 | 6,474 |
| Average earning assets | $11,811,000 | 6,465 |
| Average equity | $1,208,200 | 6,486 |
| Average total loans | $6,763,400 | 6,399 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0809% | 141 |
| Cost of funding earning assets | 0.4509% | 3,236 |
| Net interest margin | 5.6300% | 113 |
| Noninterest income to average assets | 0.9912% | 1,248 |
| Noninterest expense to average assets | 4.7757% | 366 |
| Loan and lease loss provision to assets | 0.0501% | 3,375 |
| Net operating income to assets | 1.0412% | 2,274 |
| Return on assets (ROA) | 1.0412% | 2,334 |
| Pretax return on assets | 1.0412% | 3,421 |
| Return on Equity (ROE) | 11.5238% | 1,620 |
| Retained earnings to average equity (ytd only) | 11.5238% | 455 |
| Net charge-offs to loans | 0.3176% | 1,254 |
| Credit loss provision to net charge-offs | 31.2500% | 3,437 |
| Earnings coverage of net charge-offs (x) | 6.8134% | 3,025 |
| Efficiency ratio | 81.3993% | 1,689 |
| Assets per employee ($millions) | 1.7641% | 6,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8625% | 1,544 |
| Loan loss allowance to noncurrent loans | 70.7865% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 1.6580% | 1,827 |
| Noncurrent loans to loans | 2.6312% | 1,091 |
| Net loans and leases to total assets | 47.0417% | 5,291 |
| Net loans and leases to deposits | 53.9844% | 5,388 |
| Net loans and leases to core deposits | 53.9844% | 5,565 |
| Total domestic deposits to total assets | 87.1395% | 2,237 |
| Equity capital to assets | 9.1901% | 5,156 |
| Core capital (leverage) ratio | 8.1980% | 5,934 |
| Tier 1 risk-based capital ratio | 12.5107% | 5,162 |
| Total risk-based capital ratio | 13.7607% | 5,098 |
| Memoranda: | ||
| Average total assets | $13,317,000 | 6,556 |
| Average earning assets | $11,533,250 | 6,544 |
| Average equity | $1,203,250 | 6,564 |
| Average total loans | $6,717,000 | 6,472 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1861% | 120 |
| Cost of funding earning assets | 0.4800% | 3,024 |
| Net interest margin | 5.7062% | 101 |
| Noninterest income to average assets | 1.0880% | 1,010 |
| Noninterest expense to average assets | 4.8270% | 349 |
| Loan and lease loss provision to assets | 0.0306% | 3,665 |
| Net operating income to assets | 1.1493% | 1,758 |
| Return on assets (ROA) | 1.1493% | 1,839 |
| Pretax return on assets | 1.1493% | 2,884 |
| Return on Equity (ROE) | 12.7986% | 1,232 |
| Retained earnings to average equity (ytd only) | 12.7986% | 356 |
| Net charge-offs to loans | 0.1194% | 2,475 |
| Credit loss provision to net charge-offs | 50.0000% | 2,792 |
| Earnings coverage of net charge-offs (x) | 19.2500% | 1,638 |
| Efficiency ratio | 80.3571% | 1,971 |
| Assets per employee ($millions) | 1.6116% | 6,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9777% | 1,405 |
| Loan loss allowance to noncurrent loans | 156.9767% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 1.1091% | 2,856 |
| Noncurrent loans to loans | 1.2599% | 2,704 |
| Net loans and leases to total assets | 51.8964% | 4,754 |
| Net loans and leases to deposits | 60.4973% | 4,824 |
| Net loans and leases to core deposits | 60.4973% | 5,104 |
| Total domestic deposits to total assets | 85.7830% | 3,164 |
| Equity capital to assets | 9.6952% | 4,498 |
| Core capital (leverage) ratio | 8.4449% | 5,694 |
| Tier 1 risk-based capital ratio | 12.5137% | 5,222 |
| Total risk-based capital ratio | 13.7629% | 5,145 |
| Memoranda: | ||
| Average total assets | $13,051,670 | 6,623 |
| Average earning assets | $11,251,000 | 6,611 |
| Average equity | $1,172,000 | 6,631 |
| Average total loans | $6,701,000 | 6,537 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1004% | 126 |
| Cost of funding earning assets | 0.4584% | 3,327 |
| Net interest margin | 5.6420% | 110 |
| Noninterest income to average assets | 0.9139% | 1,348 |
| Noninterest expense to average assets | 4.6912% | 389 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0966% | 1,830 |
| Return on assets (ROA) | 1.0966% | 1,894 |
| Pretax return on assets | 1.0966% | 2,919 |
| Return on Equity (ROE) | 12.7096% | 1,236 |
| Retained earnings to average equity (ytd only) | 12.7096% | 526 |
| Net charge-offs to loans | 0.3013% | 1,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 2,143 |
| Efficiency ratio | 81.0526% | 2,041 |
| Assets per employee ($millions) | 1.7431% | 6,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0131% | 1,493 |
| Loan loss allowance to noncurrent loans | 185.9155% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.9251% | 3,415 |
| Noncurrent loans to loans | 1.0828% | 3,255 |
| Net loans and leases to total assets | 46.0739% | 5,328 |
| Net loans and leases to deposits | 52.3977% | 5,437 |
| Net loans and leases to core deposits | 52.3977% | 5,595 |
| Total domestic deposits to total assets | 87.9312% | 2,267 |
| Equity capital to assets | 8.4116% | 5,736 |
| Core capital (leverage) ratio | 8.2380% | 5,901 |
| Tier 1 risk-based capital ratio | 12.3737% | 5,391 |
| Total risk-based capital ratio | 13.6313% | 5,322 |
| Memoranda: | ||
| Average total assets | $13,131,000 | 6,695 |
| Average earning assets | $11,343,500 | 6,684 |
| Average equity | $1,133,000 | 6,698 |
| Average total loans | $6,638,500 | 6,607 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6182% | 87 |
| Cost of funding earning assets | 0.4028% | 4,620 |
| Net interest margin | 6.2154% | 65 |
| Noninterest income to average assets | 1.0490% | 1,279 |
| Noninterest expense to average assets | 4.8925% | 377 |
| Loan and lease loss provision to assets | 0.1644% | 2,221 |
| Net operating income to assets | 1.3073% | 1,231 |
| Return on assets (ROA) | 1.4482% | 962 |
| Pretax return on assets | 1.4482% | 1,623 |
| Return on Equity (ROE) | 15.1317% | 739 |
| Retained earnings to average equity (ytd only) | 3.5989% | 3,662 |
| Net charge-offs to loans | 0.2029% | 2,848 |
| Credit loss provision to net charge-offs | 150.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 13.4286% | 2,025 |
| Efficiency ratio | 76.8758% | 2,640 |
| Assets per employee ($millions) | 1.5396% | 6,714 |
| Cash dividends to net income (ytd only)* | 76.2162% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0387% | 1,465 |
| Loan loss allowance to noncurrent loans | 402.9412% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.9824% | 3,450 |
| Noncurrent loans to loans | 0.5060% | 4,730 |
| Net loans and leases to total assets | 53.4465% | 4,661 |
| Net loans and leases to deposits | 62.2565% | 4,698 |
| Net loans and leases to core deposits | 62.2565% | 5,036 |
| Total domestic deposits to total assets | 85.8488% | 3,336 |
| Equity capital to assets | 8.8739% | 5,176 |
| Core capital (leverage) ratio | 8.5151% | 5,656 |
| Tier 1 risk-based capital ratio | 12.2924% | 5,432 |
| Total risk-based capital ratio | 13.5494% | 5,356 |
| Memoranda: | ||
| Average total assets | $12,774,600 | 6,777 |
| Average earning assets | $10,924,400 | 6,769 |
| Average equity | $1,222,600 | 6,786 |
| Average total loans | $6,901,400 | 6,686 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6626% | 86 |
| Cost of funding earning assets | 0.3755% | 5,046 |
| Net interest margin | 6.2870% | 61 |
| Noninterest income to average assets | 0.9103% | 1,717 |
| Noninterest expense to average assets | 4.7481% | 421 |
| Loan and lease loss provision to assets | 0.0310% | 4,385 |
| Net operating income to assets | 1.5000% | 897 |
| Return on assets (ROA) | 1.6862% | 671 |
| Pretax return on assets | 1.6862% | 1,131 |
| Return on Equity (ROE) | 17.3171% | 509 |
| Retained earnings to average equity (ytd only) | 17.3171% | 124 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6178% | 2,787 |
| Assets per employee ($millions) | 1.5110% | 6,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9425% | 1,877 |
| Loan loss allowance to noncurrent loans | 65.8416% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 2.4239% | 1,599 |
| Noncurrent loans to loans | 2.9502% | 1,379 |
| Net loans and leases to total assets | 55.5427% | 4,388 |
| Net loans and leases to deposits | 66.0827% | 4,302 |
| Net loans and leases to core deposits | 66.0827% | 4,703 |
| Total domestic deposits to total assets | 84.0503% | 4,167 |
| Equity capital to assets | 10.2085% | 3,632 |
| Core capital (leverage) ratio | 9.6341% | 4,196 |
| Tier 1 risk-based capital ratio | 13.5089% | 4,755 |
| Total risk-based capital ratio | 14.7629% | 4,705 |
| Memoranda: | ||
| Average total assets | $12,889,000 | 6,855 |
| Average earning assets | $11,006,500 | 6,846 |
| Average equity | $1,255,000 | 6,860 |
| Average total loans | $6,946,750 | 6,760 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5793% | 90 |
| Cost of funding earning assets | 0.3734% | 5,199 |
| Net interest margin | 6.2059% | 66 |
| Noninterest income to average assets | 0.9729% | 1,598 |
| Noninterest expense to average assets | 4.6823% | 452 |
| Loan and lease loss provision to assets | 0.0456% | 4,055 |
| Net operating income to assets | 1.5506% | 815 |
| Return on assets (ROA) | 1.8699% | 483 |
| Pretax return on assets | 1.8699% | 788 |
| Return on Equity (ROE) | 19.4929% | 346 |
| Retained earnings to average equity (ytd only) | 19.4929% | 96 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5763% | 3,015 |
| Assets per employee ($millions) | 1.5911% | 6,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9192% | 2,060 |
| Loan loss allowance to noncurrent loans | 532.0000% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 3,918 |
| Noncurrent loans to loans | 0.3608% | 5,374 |
| Net loans and leases to total assets | 53.3978% | 4,676 |
| Net loans and leases to deposits | 61.7180% | 4,773 |
| Net loans and leases to core deposits | 61.7180% | 5,122 |
| Total domestic deposits to total assets | 86.5190% | 3,108 |
| Equity capital to assets | 9.8515% | 4,125 |
| Core capital (leverage) ratio | 8.7231% | 5,383 |
| Tier 1 risk-based capital ratio | 12.6547% | 5,388 |
| Total risk-based capital ratio | 13.9036% | 5,329 |
| Memoranda: | ||
| Average total assets | $13,156,000 | 6,902 |
| Average earning assets | $11,247,330 | 6,894 |
| Average equity | $1,262,000 | 6,906 |
| Average total loans | $6,980,000 | 6,809 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4550% | 96 |
| Cost of funding earning assets | 0.3489% | 5,544 |
| Net interest margin | 6.1061% | 68 |
| Noninterest income to average assets | 0.7779% | 2,222 |
| Noninterest expense to average assets | 4.4280% | 572 |
| Loan and lease loss provision to assets | 0.0898% | 3,164 |
| Net operating income to assets | 1.4959% | 864 |
| Return on assets (ROA) | 2.0943% | 322 |
| Pretax return on assets | 2.0943% | 500 |
| Return on Equity (ROE) | 22.1169% | 192 |
| Retained earnings to average equity (ytd only) | 22.1169% | 98 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6318% | 3,327 |
| Assets per employee ($millions) | 1.6513% | 6,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9427% | 2,191 |
| Loan loss allowance to noncurrent loans | 511.5385% | 839 |
| Noncurrent assets plus other real estate owned to assets | 1.2945% | 3,381 |
| Noncurrent loans to loans | 0.3798% | 5,457 |
| Net loans and leases to total assets | 50.8176% | 4,875 |
| Net loans and leases to deposits | 56.3597% | 5,209 |
| Net loans and leases to core deposits | 56.3597% | 5,493 |
| Total domestic deposits to total assets | 90.1665% | 951 |
| Equity capital to assets | 9.7502% | 4,500 |
| Core capital (leverage) ratio | 8.2187% | 5,920 |
| Tier 1 risk-based capital ratio | 12.0414% | 5,891 |
| Total risk-based capital ratio | 13.2973% | 5,840 |
| Memoranda: | ||
| Average total assets | $13,369,500 | 6,977 |
| Average earning assets | $11,464,000 | 6,968 |
| Average equity | $1,266,000 | 6,976 |
| Average total loans | $7,005,000 | 6,878 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7178% | 100 |
| Cost of funding earning assets | 0.5442% | 4,867 |
| Net interest margin | 6.1736% | 75 |
| Noninterest income to average assets | 2.2324% | 374 |
| Noninterest expense to average assets | 4.8998% | 408 |
| Loan and lease loss provision to assets | 0.5146% | 1,139 |
| Net operating income to assets | 2.0802% | 313 |
| Return on assets (ROA) | 2.6383% | 143 |
| Pretax return on assets | 2.6383% | 210 |
| Return on Equity (ROE) | 29.4880% | 68 |
| Retained earnings to average equity (ytd only) | 5.1847% | 2,586 |
| Net charge-offs to loans | 0.8637% | 1,325 |
| Credit loss provision to net charge-offs | 114.5161% | 2,538 |
| Earnings coverage of net charge-offs (x) | 5.7742% | 2,953 |
| Efficiency ratio | 65.3772% | 4,631 |
| Assets per employee ($millions) | 1.6911% | 6,963 |
| Cash dividends to net income (ytd only)* | 82.4176% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8146% | 2,543 |
| Loan loss allowance to noncurrent loans | 127.4510% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 2.2027% | 2,226 |
| Noncurrent loans to loans | 1.4238% | 3,464 |
| Net loans and leases to total assets | 51.9920% | 4,929 |
| Net loans and leases to deposits | 64.0794% | 4,522 |
| Net loans and leases to core deposits | 64.0794% | 4,945 |
| Total domestic deposits to total assets | 81.1368% | 5,363 |
| Equity capital to assets | 9.1951% | 5,274 |
| Core capital (leverage) ratio | 7.5687% | 6,464 |
| Tier 1 risk-based capital ratio | 10.7658% | 6,442 |
| Total risk-based capital ratio | 12.0194% | 6,411 |
| Memoranda: | ||
| Average total assets | $13,796,600 | 7,040 |
| Average earning assets | $11,759,800 | 7,032 |
| Average equity | $1,234,400 | 7,047 |
| Average total loans | $7,178,400 | 6,945 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6070% | 123 |
| Cost of funding earning assets | 0.5996% | 4,653 |
| Net interest margin | 6.0073% | 87 |
| Noninterest income to average assets | 0.8463% | 2,052 |
| Noninterest expense to average assets | 4.8471% | 407 |
| Loan and lease loss provision to assets | 0.5962% | 933 |
| Net operating income to assets | 0.5097% | 4,807 |
| Return on assets (ROA) | 1.2503% | 1,740 |
| Pretax return on assets | 1.2503% | 2,787 |
| Return on Equity (ROE) | 14.0690% | 1,097 |
| Retained earnings to average equity (ytd only) | 14.0690% | 295 |
| Net charge-offs to loans | 0.8726% | 1,259 |
| Credit loss provision to net charge-offs | 131.9149% | 2,183 |
| Earnings coverage of net charge-offs (x) | 2.4466% | 4,060 |
| Efficiency ratio | 81.4216% | 1,879 |
| Assets per employee ($millions) | 1.7191% | 7,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8790% | 2,547 |
| Loan loss allowance to noncurrent loans | 167.9012% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 2.1377% | 2,507 |
| Noncurrent loans to loans | 1.1191% | 4,190 |
| Net loans and leases to total assets | 51.6396% | 5,095 |
| Net loans and leases to deposits | 58.2991% | 5,399 |
| Net loans and leases to core deposits | 58.2991% | 5,710 |
| Total domestic deposits to total assets | 88.5770% | 1,676 |
| Equity capital to assets | 9.5979% | 5,063 |
| Core capital (leverage) ratio | 8.0168% | 6,316 |
| Tier 1 risk-based capital ratio | 11.2888% | 6,367 |
| Total risk-based capital ratio | 12.5454% | 6,321 |
| Memoranda: | ||
| Average total assets | $13,863,500 | 7,136 |
| Average earning assets | $11,785,250 | 7,127 |
| Average equity | $1,232,000 | 7,143 |
| Average total loans | $7,182,000 | 7,037 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5388% | 140 |
| Cost of funding earning assets | 0.6067% | 4,848 |
| Net interest margin | 5.9321% | 98 |
| Noninterest income to average assets | 0.6762% | 2,794 |
| Noninterest expense to average assets | 4.8056% | 425 |
| Loan and lease loss provision to assets | 0.8057% | 619 |
| Net operating income to assets | 0.1295% | 6,092 |
| Return on assets (ROA) | 1.2374% | 1,776 |
| Pretax return on assets | 1.2374% | 2,775 |
| Return on Equity (ROE) | 14.3015% | 1,049 |
| Retained earnings to average equity (ytd only) | 14.3015% | 322 |
| Net charge-offs to loans | 1.3681% | 755 |
| Credit loss provision to net charge-offs | 114.2857% | 2,388 |
| Earnings coverage of net charge-offs (x) | 1.3265% | 4,339 |
| Efficiency ratio | 83.7093% | 1,663 |
| Assets per employee ($millions) | 1.5401% | 7,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8110% | 2,816 |
| Loan loss allowance to noncurrent loans | 156.0976% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 2.1499% | 2,611 |
| Noncurrent loans to loans | 1.1602% | 4,220 |
| Net loans and leases to total assets | 50.0685% | 5,344 |
| Net loans and leases to deposits | 55.1889% | 5,744 |
| Net loans and leases to core deposits | 55.1889% | 6,008 |
| Total domestic deposits to total assets | 90.7222% | 551 |
| Equity capital to assets | 9.2129% | 5,448 |
| Core capital (leverage) ratio | 7.3135% | 6,714 |
| Tier 1 risk-based capital ratio | 11.0359% | 6,479 |
| Total risk-based capital ratio | 12.2833% | 6,455 |
| Memoranda: | ||
| Average total assets | $13,900,330 | 7,196 |
| Average earning assets | $11,867,670 | 7,189 |
| Average equity | $1,202,670 | 7,204 |
| Average total loans | $7,163,330 | 7,093 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7185% | 127 |
| Cost of funding earning assets | 0.7019% | 4,268 |
| Net interest margin | 6.0165% | 98 |
| Noninterest income to average assets | 0.6034% | 3,213 |
| Noninterest expense to average assets | 4.5402% | 536 |
| Loan and lease loss provision to assets | 1.4368% | 246 |
| Net operating income to assets | -0.2011% | 6,641 |
| Return on assets (ROA) | 1.2644% | 1,727 |
| Pretax return on assets | 1.2644% | 2,675 |
| Return on Equity (ROE) | 15.1008% | 954 |
| Retained earnings to average equity (ytd only) | 15.1008% | 442 |
| Net charge-offs to loans | 0.7211% | 1,398 |
| Credit loss provision to net charge-offs | 384.6154% | 806 |
| Earnings coverage of net charge-offs (x) | 3.3077% | 2,883 |
| Efficiency ratio | 78.6070% | 2,414 |
| Assets per employee ($millions) | 1.5801% | 7,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1987% | 1,886 |
| Loan loss allowance to noncurrent loans | 96.9325% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 2.5596% | 2,309 |
| Noncurrent loans to loans | 2.2683% | 2,840 |
| Net loans and leases to total assets | 49.4199% | 5,385 |
| Net loans and leases to deposits | 54.0823% | 5,799 |
| Net loans and leases to core deposits | 54.0823% | 6,050 |
| Total domestic deposits to total assets | 91.3789% | 413 |
| Equity capital to assets | 8.4664% | 6,113 |
| Core capital (leverage) ratio | 7.1297% | 6,790 |
| Tier 1 risk-based capital ratio | 10.4741% | 6,748 |
| Total risk-based capital ratio | 11.7272% | 6,739 |
| Memoranda: | ||
| Average total assets | $13,920,000 | 7,259 |
| Average earning assets | $11,967,000 | 7,249 |
| Average equity | $1,165,500 | 7,263 |
| Average total loans | $7,211,000 | 7,157 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8182% | 121 |
| Cost of funding earning assets | 0.8175% | 4,726 |
| Net interest margin | 6.0007% | 90 |
| Noninterest income to average assets | 0.9322% | 1,562 |
| Noninterest expense to average assets | 4.5543% | 556 |
| Loan and lease loss provision to assets | 0.5408% | 1,941 |
| Net operating income to assets | 1.0603% | 1,960 |
| Return on assets (ROA) | 1.0603% | 2,103 |
| Pretax return on assets | 1.0603% | 2,999 |
| Return on Equity (ROE) | 13.6597% | 1,024 |
| Retained earnings to average equity (ytd only) | 2.6586% | 4,337 |
| Net charge-offs to loans | 0.7344% | 2,317 |
| Credit loss provision to net charge-offs | 133.3333% | 2,274 |
| Earnings coverage of net charge-offs (x) | 3.9474% | 3,327 |
| Efficiency ratio | 73.9884% | 3,242 |
| Assets per employee ($millions) | 1.5132% | 7,260 |
| Cash dividends to net income (ytd only)* | 80.5369% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6722% | 3,304 |
| Loan loss allowance to noncurrent loans | 76.1006% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 2.6434% | 2,302 |
| Noncurrent loans to loans | 2.1973% | 2,952 |
| Net loans and leases to total assets | 52.2432% | 5,273 |
| Net loans and leases to deposits | 59.8553% | 5,501 |
| Net loans and leases to core deposits | 59.8553% | 5,860 |
| Total domestic deposits to total assets | 87.2825% | 2,587 |
| Equity capital to assets | 8.2752% | 6,371 |
| Core capital (leverage) ratio | 7.0075% | 6,863 |
| Tier 1 risk-based capital ratio | 10.1258% | 6,818 |
| Total risk-based capital ratio | 11.3730% | 6,805 |
| Memoranda: | ||
| Average total assets | $14,052,600 | 7,299 |
| Average earning assets | $12,232,000 | 7,292 |
| Average equity | $1,090,800 | 7,325 |
| Average total loans | $7,761,600 | 7,190 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7076% | 148 |
| Cost of funding earning assets | 0.8303% | 4,944 |
| Net interest margin | 5.8773% | 107 |
| Noninterest income to average assets | 1.0074% | 1,320 |
| Noninterest expense to average assets | 4.3216% | 701 |
| Loan and lease loss provision to assets | 0.6591% | 1,473 |
| Net operating income to assets | 1.1581% | 1,784 |
| Return on assets (ROA) | 1.1581% | 1,897 |
| Pretax return on assets | 1.1581% | 2,791 |
| Return on Equity (ROE) | 15.1606% | 817 |
| Retained earnings to average equity (ytd only) | 15.1606% | 223 |
| Net charge-offs to loans | 0.8447% | 1,883 |
| Credit loss provision to net charge-offs | 140.0000% | 2,275 |
| Earnings coverage of net charge-offs (x) | 3.8598% | 3,270 |
| Efficiency ratio | 70.3988% | 3,881 |
| Assets per employee ($millions) | 1.5217% | 7,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 3,575 |
| Loan loss allowance to noncurrent loans | 123.2323% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 1.5991% | 3,686 |
| Noncurrent loans to loans | 1.3142% | 4,341 |
| Net loans and leases to total assets | 54.1146% | 5,143 |
| Net loans and leases to deposits | 59.5309% | 5,688 |
| Net loans and leases to core deposits | 59.5309% | 6,024 |
| Total domestic deposits to total assets | 90.9018% | 468 |
| Equity capital to assets | 8.9960% | 5,763 |
| Core capital (leverage) ratio | 7.5731% | 6,721 |
| Tier 1 risk-based capital ratio | 11.1975% | 6,432 |
| Total risk-based capital ratio | 12.4441% | 6,414 |
| Memoranda: | ||
| Average total assets | $14,161,000 | 7,373 |
| Average earning assets | $12,363,750 | 7,369 |
| Average equity | $1,081,750 | 7,403 |
| Average total loans | $7,893,000 | 7,260 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7247% | 158 |
| Cost of funding earning assets | 0.8764% | 4,854 |
| Net interest margin | 5.8483% | 104 |
| Noninterest income to average assets | 0.6566% | 2,784 |
| Noninterest expense to average assets | 4.1910% | 843 |
| Loan and lease loss provision to assets | 0.3493% | 2,688 |
| Net operating income to assets | 1.2433% | 1,453 |
| Return on assets (ROA) | 1.2433% | 1,532 |
| Pretax return on assets | 1.2433% | 2,335 |
| Return on Equity (ROE) | 17.2536% | 529 |
| Retained earnings to average equity (ytd only) | 17.2536% | 156 |
| Net charge-offs to loans | 0.3994% | 2,961 |
| Credit loss provision to net charge-offs | 156.2500% | 1,948 |
| Earnings coverage of net charge-offs (x) | 7.1250% | 2,266 |
| Efficiency ratio | 72.4638% | 3,640 |
| Assets per employee ($millions) | 1.5423% | 7,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 4,424 |
| Loan loss allowance to noncurrent loans | 209.4340% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.9726% | 4,923 |
| Noncurrent loans to loans | 0.6845% | 5,538 |
| Net loans and leases to total assets | 54.9816% | 5,152 |
| Net loans and leases to deposits | 59.9011% | 5,733 |
| Net loans and leases to core deposits | 59.9011% | 6,094 |
| Total domestic deposits to total assets | 91.7873% | 283 |
| Equity capital to assets | 8.1262% | 6,576 |
| Core capital (leverage) ratio | 6.8860% | 7,035 |
| Tier 1 risk-based capital ratio | 10.5761% | 6,761 |
| Total risk-based capital ratio | 11.7304% | 6,797 |
| Memoranda: | ||
| Average total assets | $14,316,330 | 7,446 |
| Average earning assets | $12,550,670 | 7,439 |
| Average equity | $1,031,670 | 7,478 |
| Average total loans | $8,013,000 | 7,324 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7948% | 139 |
| Cost of funding earning assets | 0.9081% | 4,862 |
| Net interest margin | 5.8867% | 108 |
| Noninterest income to average assets | 0.6055% | 3,125 |
| Noninterest expense to average assets | 4.1007% | 919 |
| Loan and lease loss provision to assets | 0.3853% | 2,253 |
| Net operating income to assets | 1.2935% | 1,283 |
| Return on assets (ROA) | 1.2935% | 1,326 |
| Pretax return on assets | 1.2935% | 2,060 |
| Return on Equity (ROE) | 19.1154% | 391 |
| Retained earnings to average equity (ytd only) | 19.1154% | 193 |
| Net charge-offs to loans | -0.0491% | 6,874 |
| Credit loss provision to net charge-offs | -1,400.0000% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9524% | 4,068 |
| Assets per employee ($millions) | 1.6180% | 7,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 4,446 |
| Loan loss allowance to noncurrent loans | 229.4118% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.9339% | 5,022 |
| Noncurrent loans to loans | 0.6312% | 5,774 |
| Net loans and leases to total assets | 54.6834% | 5,214 |
| Net loans and leases to deposits | 59.6256% | 5,759 |
| Net loans and leases to core deposits | 59.6256% | 6,123 |
| Total domestic deposits to total assets | 91.7113% | 368 |
| Equity capital to assets | 7.0251% | 7,076 |
| Core capital (leverage) ratio | 6.4412% | 7,181 |
| Tier 1 risk-based capital ratio | 9.8336% | 7,059 |
| Total risk-based capital ratio | 11.0136% | 7,081 |
| Memoranda: | ||
| Average total assets | $14,534,000 | 7,502 |
| Average earning assets | $12,774,500 | 7,492 |
| Average equity | $983,500 | 7,538 |
| Average total loans | $8,148,000 | 7,377 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1325% | 125 |
| Cost of funding earning assets | 1.2660% | 4,103 |
| Net interest margin | 5.8665% | 111 |
| Noninterest income to average assets | 1.0190% | 1,445 |
| Noninterest expense to average assets | 4.6687% | 563 |
| Loan and lease loss provision to assets | 0.2819% | 4,551 |
| Net operating income to assets | 1.1925% | 1,431 |
| Return on assets (ROA) | 1.1925% | 1,511 |
| Pretax return on assets | 1.1925% | 2,248 |
| Return on Equity (ROE) | 16.5996% | 512 |
| Retained earnings to average equity (ytd only) | 2.5151% | 4,114 |
| Net charge-offs to loans | 0.4856% | 3,676 |
| Credit loss provision to net charge-offs | 95.1220% | 4,888 |
| Earnings coverage of net charge-offs (x) | 4.9756% | 2,751 |
| Efficiency ratio | 76.0000% | 3,054 |
| Assets per employee ($millions) | 1.6118% | 7,533 |
| Cash dividends to net income (ytd only)* | 84.8485% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 5,318 |
| Loan loss allowance to noncurrent loans | 196.1538% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9582% | 5,095 |
| Noncurrent loans to loans | 0.6329% | 5,782 |
| Net loans and leases to total assets | 55.9355% | 5,357 |
| Net loans and leases to deposits | 61.0029% | 5,950 |
| Net loans and leases to core deposits | 61.0029% | 6,317 |
| Total domestic deposits to total assets | 91.6931% | 346 |
| Equity capital to assets | 6.5077% | 7,253 |
| Core capital (leverage) ratio | 6.1995% | 7,262 |
| Tier 1 risk-based capital ratio | 9.3051% | 7,182 |
| Total risk-based capital ratio | 10.3279% | 7,234 |
| Memoranda: | ||
| Average total assets | $13,836,800 | 7,588 |
| Average earning assets | $12,085,600 | 7,581 |
| Average equity | $994,000 | 7,633 |
| Average total loans | $8,443,400 | 7,448 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2790% | 109 |
| Cost of funding earning assets | 1.3438% | 3,947 |
| Net interest margin | 5.9351% | 102 |
| Noninterest income to average assets | 1.0924% | 1,193 |
| Noninterest expense to average assets | 4.6916% | 495 |
| Loan and lease loss provision to assets | 0.3316% | 3,949 |
| Net operating income to assets | 1.2387% | 1,493 |
| Return on assets (ROA) | 1.2387% | 1,572 |
| Pretax return on assets | 1.2387% | 2,366 |
| Return on Equity (ROE) | 16.8236% | 611 |
| Retained earnings to average equity (ytd only) | 16.8236% | 146 |
| Net charge-offs to loans | 0.1568% | 5,061 |
| Credit loss provision to net charge-offs | 340.0000% | 936 |
| Earnings coverage of net charge-offs (x) | 16.1035% | 1,397 |
| Efficiency ratio | 74.9221% | 3,161 |
| Assets per employee ($millions) | 1.5984% | 7,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 3,901 |
| Loan loss allowance to noncurrent loans | 75.7396% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.7934% | 3,757 |
| Noncurrent loans to loans | 1.9995% | 3,678 |
| Net loans and leases to total assets | 57.8618% | 5,284 |
| Net loans and leases to deposits | 62.9986% | 6,022 |
| Net loans and leases to core deposits | 62.9986% | 6,375 |
| Total domestic deposits to total assets | 91.8462% | 217 |
| Equity capital to assets | 7.9383% | 6,848 |
| Core capital (leverage) ratio | 7.1548% | 7,084 |
| Tier 1 risk-based capital ratio | 10.4072% | 6,828 |
| Total risk-based capital ratio | 11.6601% | 6,826 |
| Memoranda: | ||
| Average total assets | $13,669,500 | 7,689 |
| Average earning assets | $11,906,250 | 7,683 |
| Average equity | $1,006,500 | 7,732 |
| Average total loans | $8,500,250 | 7,547 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3154% | 107 |
| Cost of funding earning assets | 1.4562% | 3,523 |
| Net interest margin | 5.8592% | 114 |
| Noninterest income to average assets | 0.9233% | 1,608 |
| Noninterest expense to average assets | 4.4972% | 577 |
| Loan and lease loss provision to assets | 0.3425% | 3,678 |
| Net operating income to assets | 1.1764% | 1,620 |
| Return on assets (ROA) | 1.1764% | 1,688 |
| Pretax return on assets | 1.1764% | 2,490 |
| Return on Equity (ROE) | 16.4356% | 644 |
| Retained earnings to average equity (ytd only) | 16.4356% | 176 |
| Net charge-offs to loans | 0.0939% | 5,198 |
| Credit loss provision to net charge-offs | 575.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 1,034 |
| Efficiency ratio | 74.7525% | 3,314 |
| Assets per employee ($millions) | 1.3815% | 7,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 4,331 |
| Loan loss allowance to noncurrent loans | 125.7732% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 1.3536% | 4,458 |
| Noncurrent loans to loans | 1.1301% | 5,068 |
| Net loans and leases to total assets | 61.2450% | 4,834 |
| Net loans and leases to deposits | 66.2828% | 5,770 |
| Net loans and leases to core deposits | 66.2828% | 6,221 |
| Total domestic deposits to total assets | 92.3996% | 165 |
| Equity capital to assets | 7.4557% | 7,140 |
| Core capital (leverage) ratio | 6.7122% | 7,320 |
| Tier 1 risk-based capital ratio | 10.0204% | 7,012 |
| Total risk-based capital ratio | 11.2755% | 6,990 |
| Memoranda: | ||
| Average total assets | $13,430,670 | 7,761 |
| Average earning assets | $11,674,000 | 7,750 |
| Average equity | $961,330 | 7,804 |
| Average total loans | $8,516,330 | 7,606 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2803% | 123 |
| Cost of funding earning assets | 1.5675% | 3,156 |
| Net interest margin | 5.7128% | 140 |
| Noninterest income to average assets | 0.8460% | 1,827 |
| Noninterest expense to average assets | 4.3207% | 705 |
| Loan and lease loss provision to assets | 0.4532% | 2,699 |
| Net operating income to assets | 1.0273% | 2,079 |
| Return on assets (ROA) | 1.0273% | 2,142 |
| Pretax return on assets | 1.0273% | 2,980 |
| Return on Equity (ROE) | 14.6710% | 931 |
| Retained earnings to average equity (ytd only) | 14.6710% | 442 |
| Net charge-offs to loans | 0.1886% | 3,791 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 12.2500% | 1,580 |
| Efficiency ratio | 74.4792% | 3,494 |
| Assets per employee ($millions) | 1.5326% | 7,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 4,821 |
| Loan loss allowance to noncurrent loans | 101.7857% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 1.5298% | 4,208 |
| Noncurrent loans to loans | 1.2973% | 4,810 |
| Net loans and leases to total assets | 61.7632% | 4,809 |
| Net loans and leases to deposits | 66.4405% | 5,774 |
| Net loans and leases to core deposits | 66.4405% | 6,252 |
| Total domestic deposits to total assets | 92.9602% | 125 |
| Equity capital to assets | 6.8803% | 7,417 |
| Core capital (leverage) ratio | 6.8625% | 7,321 |
| Tier 1 risk-based capital ratio | 9.5681% | 7,267 |
| Total risk-based capital ratio | 10.7322% | 7,310 |
| Memoranda: | ||
| Average total assets | $13,238,500 | 7,864 |
| Average earning assets | $11,483,000 | 7,856 |
| Average equity | $927,000 | 7,899 |
| Average total loans | $8,483,000 | 7,704 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7922% | 93 |
| Cost of funding earning assets | 1.4349% | 5,781 |
| Net interest margin | 6.3573% | 85 |
| Noninterest income to average assets | 1.0409% | 1,434 |
| Noninterest expense to average assets | 4.9227% | 554 |
| Loan and lease loss provision to assets | 0.5948% | 3,417 |
| Net operating income to assets | 1.0018% | 1,836 |
| Return on assets (ROA) | 1.0800% | 1,617 |
| Pretax return on assets | 1.0800% | 2,307 |
| Return on Equity (ROE) | 14.3630% | 727 |
| Retained earnings to average equity (ytd only) | 0.8326% | 4,432 |
| Net charge-offs to loans | 1.7141% | 1,469 |
| Credit loss provision to net charge-offs | 50.6667% | 6,735 |
| Earnings coverage of net charge-offs (x) | 1.3600% | 4,771 |
| Efficiency ratio | 75.5102% | 3,614 |
| Assets per employee ($millions) | 1.4093% | 7,916 |
| Cash dividends to net income (ytd only)* | 94.2029% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 5,068 |
| Loan loss allowance to noncurrent loans | 130.0000% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 1.4112% | 4,293 |
| Noncurrent loans to loans | 0.9600% | 5,392 |
| Net loans and leases to total assets | 64.8770% | 4,393 |
| Net loans and leases to deposits | 70.7567% | 5,502 |
| Net loans and leases to core deposits | 77.2749% | 6,318 |
| Total domestic deposits to total assets | 91.6903% | 331 |
| Equity capital to assets | 7.1350% | 7,301 |
| Core capital (leverage) ratio | 6.9275% | 7,299 |
| Tier 1 risk-based capital ratio | 9.5647% | 7,189 |
| Total risk-based capital ratio | 10.6662% | 7,251 |
| Memoranda: | ||
| Average total assets | $12,777,600 | 7,938 |
| Average earning assets | $11,011,000 | 7,928 |
| Average equity | $960,800 | 7,982 |
| Average total loans | $8,751,000 | 7,754 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7914% | 102 |
| Cost of funding earning assets | 1.4397% | 6,084 |
| Net interest margin | 6.3516% | 82 |
| Noninterest income to average assets | 1.0416% | 1,464 |
| Noninterest expense to average assets | 4.7078% | 611 |
| Loan and lease loss provision to assets | 0.6041% | 2,971 |
| Net operating income to assets | 1.1978% | 1,469 |
| Return on assets (ROA) | 1.3019% | 1,284 |
| Pretax return on assets | 1.3019% | 1,948 |
| Return on Equity (ROE) | 17.0977% | 541 |
| Retained earnings to average equity (ytd only) | 17.0977% | 104 |
| Net charge-offs to loans | 1.6261% | 1,255 |
| Credit loss provision to net charge-offs | 53.7037% | 6,259 |
| Earnings coverage of net charge-offs (x) | 1.6018% | 4,601 |
| Efficiency ratio | 72.3200% | 4,187 |
| Assets per employee ($millions) | 1.4419% | 8,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 3,686 |
| Loan loss allowance to noncurrent loans | 113.2743% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.9478% | 5,168 |
| Noncurrent loans to loans | 1.2810% | 4,799 |
| Net loans and leases to total assets | 66.9877% | 4,185 |
| Net loans and leases to deposits | 74.9397% | 5,218 |
| Net loans and leases to core deposits | 81.8011% | 6,205 |
| Total domestic deposits to total assets | 89.3889% | 1,023 |
| Equity capital to assets | 7.9602% | 6,887 |
| Core capital (leverage) ratio | 7.7808% | 6,631 |
| Tier 1 risk-based capital ratio | 10.6877% | 6,260 |
| Total risk-based capital ratio | 11.9439% | 6,233 |
| Memoranda: | ||
| Average total assets | $12,801,000 | 8,017 |
| Average earning assets | $11,020,500 | 8,007 |
| Average equity | $974,750 | 8,067 |
| Average total loans | $8,855,500 | 7,827 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8012% | 109 |
| Cost of funding earning assets | 1.5200% | 6,058 |
| Net interest margin | 6.2813% | 89 |
| Noninterest income to average assets | 0.8790% | 2,065 |
| Noninterest expense to average assets | 4.6145% | 687 |
| Loan and lease loss provision to assets | 0.5494% | 2,824 |
| Net operating income to assets | 1.0987% | 1,774 |
| Return on assets (ROA) | 1.2557% | 1,419 |
| Pretax return on assets | 1.2557% | 2,143 |
| Return on Equity (ROE) | 16.7481% | 607 |
| Retained earnings to average equity (ytd only) | 16.7481% | 140 |
| Net charge-offs to loans | 1.8044% | 1,044 |
| Credit loss provision to net charge-offs | 43.7500% | 5,845 |
| Earnings coverage of net charge-offs (x) | 1.3125% | 4,538 |
| Efficiency ratio | 73.6842% | 4,083 |
| Assets per employee ($millions) | 1.4418% | 8,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 3,111 |
| Loan loss allowance to noncurrent loans | 122.0183% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.9171% | 5,140 |
| Noncurrent loans to loans | 1.2413% | 4,730 |
| Net loans and leases to total assets | 66.6461% | 4,429 |
| Net loans and leases to deposits | 73.4749% | 5,536 |
| Net loans and leases to core deposits | 80.0667% | 6,404 |
| Total domestic deposits to total assets | 90.7059% | 555 |
| Equity capital to assets | 7.5062% | 7,257 |
| Core capital (leverage) ratio | 7.2468% | 7,309 |
| Tier 1 risk-based capital ratio | 10.2769% | 6,621 |
| Total risk-based capital ratio | 11.5300% | 6,551 |
| Memoranda: | ||
| Average total assets | $12,742,330 | 8,110 |
| Average earning assets | $10,921,330 | 8,099 |
| Average equity | $955,330 | 8,160 |
| Average total loans | $8,867,000 | 7,912 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7431% | 124 |
| Cost of funding earning assets | 1.6380% | 5,872 |
| Net interest margin | 6.1052% | 99 |
| Noninterest income to average assets | 0.8554% | 2,058 |
| Noninterest expense to average assets | 4.5622% | 670 |
| Loan and lease loss provision to assets | 0.5386% | 2,318 |
| Net operating income to assets | 0.9505% | 2,514 |
| Return on assets (ROA) | 1.2673% | 1,559 |
| Pretax return on assets | 1.2673% | 2,386 |
| Return on Equity (ROE) | 16.9133% | 699 |
| Retained earnings to average equity (ytd only) | 16.9133% | 279 |
| Net charge-offs to loans | 3.5017% | 348 |
| Credit loss provision to net charge-offs | 21.7949% | 5,056 |
| Earnings coverage of net charge-offs (x) | 0.6026% | 4,516 |
| Efficiency ratio | 75.3927% | 3,588 |
| Assets per employee ($millions) | 1.2997% | 8,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 3,921 |
| Loan loss allowance to noncurrent loans | 421.4286% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 6,644 |
| Noncurrent loans to loans | 0.3151% | 6,653 |
| Net loans and leases to total assets | 67.4540% | 4,256 |
| Net loans and leases to deposits | 73.0705% | 5,601 |
| Net loans and leases to core deposits | 80.9212% | 6,314 |
| Total domestic deposits to total assets | 92.3136% | 140 |
| Equity capital to assets | 7.4171% | 7,412 |
| Core capital (leverage) ratio | 7.0700% | 7,586 |
| Tier 1 risk-based capital ratio | 9.6059% | 7,335 |
| Total risk-based capital ratio | 10.8169% | 7,306 |
| Memoranda: | ||
| Average total assets | $12,625,500 | 8,159 |
| Average earning assets | $10,745,000 | 8,151 |
| Average equity | $946,000 | 8,212 |
| Average total loans | $8,910,000 | 7,956 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3644% | 119 |
| Cost of funding earning assets | 2.0048% | 6,402 |
| Net interest margin | 6.3596% | 81 |
| Noninterest income to average assets | 1.6268% | 525 |
| Noninterest expense to average assets | 5.4834% | 505 |
| Loan and lease loss provision to assets | 0.5079% | 2,777 |
| Net operating income to assets | 1.0475% | 2,366 |
| Return on assets (ROA) | 1.0872% | 2,114 |
| Pretax return on assets | 1.0872% | 3,064 |
| Return on Equity (ROE) | 14.5466% | 1,000 |
| Retained earnings to average equity (ytd only) | 1.8051% | 4,112 |
| Net charge-offs to loans | 0.6045% | 2,026 |
| Credit loss provision to net charge-offs | 114.2857% | 4,724 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 4,339 |
| Efficiency ratio | 77.9030% | 2,931 |
| Assets per employee ($millions) | 1.2254% | 8,213 |
| Cash dividends to net income (ytd only)* | 87.5912% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9922% | 1,239 |
| Loan loss allowance to noncurrent loans | 131.8519% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.1833% | 3,890 |
| Noncurrent loans to loans | 1.5109% | 3,526 |
| Net loans and leases to total assets | 71.4624% | 3,694 |
| Net loans and leases to deposits | 78.4256% | 5,281 |
| Net loans and leases to core deposits | 85.8025% | 6,148 |
| Total domestic deposits to total assets | 91.1213% | 294 |
| Equity capital to assets | 7.5730% | 7,326 |
| Core capital (leverage) ratio | 6.8910% | 7,769 |
| Tier 1 risk-based capital ratio | 9.5051% | 7,303 |
| Total risk-based capital ratio | 10.7689% | 7,206 |
| Memoranda: | ||
| Average total assets | $12,601,600 | 8,212 |
| Average earning assets | $10,724,000 | 8,204 |
| Average equity | $941,800 | 8,275 |
| Average total loans | $9,264,400 | 7,974 |