Home > Milford Building and Loan Association > Performance and Condition Ratios
Milford Building and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 3,936 |
| Cost of funding earning assets | 1.7306% | 1,384 |
| Net interest margin | 2.2894% | 4,271 |
| Noninterest income to average assets | -0.0100% | 4,579 |
| Noninterest expense to average assets | 2.0888% | 3,433 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.0000% | 4,354 |
| Pretax return on assets | 0.0000% | 4,337 |
| Return on Equity (ROE) | 0.0000% | 4,344 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.1222% | 802 |
| Credit loss provision to net charge-offs | 116.6667% | 1,703 |
| Earnings coverage of net charge-offs (x) | 1.1667% | 2,773 |
| Efficiency ratio | 95.5696% | 267 |
| Assets per employee ($millions) | 5.7306% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 1,330 |
| Loan loss allowance to noncurrent loans | 20.4701% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 4.7220% | 28 |
| Noncurrent loans to loans | 6.9163% | 24 |
| Net loans and leases to total assets | 65.6200% | 2,295 |
| Net loans and leases to deposits | 74.2418% | 2,597 |
| Net loans and leases to core deposits | 92.5656% | 1,864 |
| Total domestic deposits to total assets | 88.3800% | 1,236 |
| Equity capital to assets | 11.0006% | 1,480 |
| Core capital (leverage) ratio | 11.0616% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3296% | 460 |
| Memoranda: | ||
| Average total assets | $28,915,600 | 4,471 |
| Average earning assets | $27,736,200 | 4,432 |
| Average equity | $3,166,000 | 4,414 |
| Average total loans | $19,639,400 | 4,298 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 3,988 |
| Cost of funding earning assets | 1.4408% | 1,764 |
| Net interest margin | 2.4666% | 4,175 |
| Noninterest income to average assets | -0.0200% | 4,611 |
| Noninterest expense to average assets | 2.1209% | 3,303 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.0736% | 4,336 |
| Return on assets (ROA) | 0.0736% | 4,358 |
| Pretax return on assets | 0.1242% | 4,326 |
| Return on Equity (ROE) | 0.6700% | 4,347 |
| Retained earnings to average equity (ytd only) | 0.6731% | 4,018 |
| Net charge-offs to loans | 0.1078% | 735 |
| Credit loss provision to net charge-offs | 156.2500% | 1,293 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 2,441 |
| Efficiency ratio | 89.8635% | 380 |
| Assets per employee ($millions) | 5.7114% | 3,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 1,480 |
| Loan loss allowance to noncurrent loans | 22.3033% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 4.4367% | 34 |
| Noncurrent loans to loans | 6.2358% | 32 |
| Net loans and leases to total assets | 68.2800% | 2,015 |
| Net loans and leases to deposits | 79.8509% | 2,065 |
| Net loans and leases to core deposits | 95.5597% | 1,581 |
| Total domestic deposits to total assets | 85.5100% | 2,345 |
| Equity capital to assets | 11.0971% | 1,309 |
| Core capital (leverage) ratio | 11.1228% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1770% | 480 |
| Memoranda: | ||
| Average total assets | $28,981,250 | 4,491 |
| Average earning assets | $27,946,250 | 4,453 |
| Average equity | $3,169,500 | 4,429 |
| Average total loans | $19,781,500 | 4,312 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 3,835 |
| Cost of funding earning assets | 1.2971% | 1,716 |
| Net interest margin | 2.6226% | 4,086 |
| Noninterest income to average assets | -0.0300% | 4,645 |
| Noninterest expense to average assets | 2.0603% | 3,443 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.2335% | 4,244 |
| Return on assets (ROA) | 0.2335% | 4,266 |
| Pretax return on assets | 0.3571% | 4,171 |
| Return on Equity (ROE) | 2.1500% | 4,253 |
| Retained earnings to average equity (ytd only) | 2.1453% | 3,691 |
| Net charge-offs to loans | 0.1617% | 484 |
| Credit loss provision to net charge-offs | 87.5000% | 1,518 |
| Earnings coverage of net charge-offs (x) | 4.1250% | 2,232 |
| Efficiency ratio | 81.9672% | 712 |
| Assets per employee ($millions) | 4.7633% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 1,682 |
| Loan loss allowance to noncurrent loans | 33.0827% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 2.9111% | 77 |
| Noncurrent loans to loans | 4.1028% | 81 |
| Net loans and leases to total assets | 67.1300% | 2,046 |
| Net loans and leases to deposits | 78.5249% | 2,087 |
| Net loans and leases to core deposits | 92.4137% | 1,656 |
| Total domestic deposits to total assets | 85.4900% | 2,394 |
| Equity capital to assets | 11.1512% | 1,318 |
| Core capital (leverage) ratio | 11.1668% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7772% | 447 |
| Memoranda: | ||
| Average total assets | $29,122,667 | 4,516 |
| Average earning assets | $28,216,000 | 4,483 |
| Average equity | $3,169,667 | 4,458 |
| Average total loans | $19,784,333 | 4,329 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7570% | 3,931 |
| Cost of funding earning assets | 1.1355% | 1,646 |
| Net interest margin | 2.6215% | 4,186 |
| Noninterest income to average assets | -0.0700% | 4,661 |
| Noninterest expense to average assets | 2.0412% | 3,519 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.2449% | 4,314 |
| Return on assets (ROA) | 0.2449% | 4,278 |
| Pretax return on assets | 0.3402% | 4,219 |
| Return on Equity (ROE) | 2.2800% | 4,267 |
| Retained earnings to average equity (ytd only) | 2.2778% | 3,654 |
| Net charge-offs to loans | 0.3208% | 249 |
| Credit loss provision to net charge-offs | 43.7500% | 1,310 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 1,944 |
| Efficiency ratio | 82.4176% | 680 |
| Assets per employee ($millions) | 7.1940% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 1,983 |
| Loan loss allowance to noncurrent loans | 29.2378% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 3.1728% | 48 |
| Noncurrent loans to loans | 4.4799% | 74 |
| Net loans and leases to total assets | 67.2900% | 1,923 |
| Net loans and leases to deposits | 76.1104% | 2,105 |
| Net loans and leases to core deposits | 91.1676% | 1,549 |
| Total domestic deposits to total assets | 88.4100% | 1,776 |
| Equity capital to assets | 11.0161% | 1,331 |
| Core capital (leverage) ratio | 10.7658% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5576% | 468 |
| Memoranda: | ||
| Average total assets | $29,394,000 | 4,580 |
| Average earning assets | $28,533,500 | 4,543 |
| Average equity | $3,161,000 | 4,523 |
| Average total loans | $19,951,500 | 4,389 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3401% | 3,496 |
| Cost of funding earning assets | 0.5265% | 1,228 |
| Net interest margin | 2.8136% | 3,867 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 1.7713% | 4,062 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.5670% | 3,953 |
| Return on assets (ROA) | 0.5670% | 3,916 |
| Pretax return on assets | 0.7912% | 3,649 |
| Return on Equity (ROE) | 5.7700% | 3,874 |
| Retained earnings to average equity (ytd only) | 5.7670% | 2,728 |
| Net charge-offs to loans | 0.0536% | 1,129 |
| Credit loss provision to net charge-offs | 609.0909% | 595 |
| Earnings coverage of net charge-offs (x) | 28.5455% | 1,713 |
| Efficiency ratio | 63.7832% | 2,527 |
| Assets per employee ($millions) | 7.5030% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 1,846 |
| Loan loss allowance to noncurrent loans | 29.8206% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 3.0854% | 43 |
| Noncurrent loans to loans | 4.3980% | 76 |
| Net loans and leases to total assets | 66.6900% | 1,959 |
| Net loans and leases to deposits | 76.2514% | 2,080 |
| Net loans and leases to core deposits | 91.5394% | 1,420 |
| Total domestic deposits to total assets | 87.4700% | 2,242 |
| Equity capital to assets | 10.5025% | 1,448 |
| Core capital (leverage) ratio | 10.3947% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6099% | 506 |
| Memoranda: | ||
| Average total assets | $31,219,600 | 4,600 |
| Average earning assets | $30,388,000 | 4,566 |
| Average equity | $3,069,200 | 4,604 |
| Average total loans | $20,534,600 | 4,409 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2513% | 3,306 |
| Cost of funding earning assets | 0.4731% | 866 |
| Net interest margin | 2.7781% | 3,780 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 1.7723% | 4,034 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.6176% | 3,794 |
| Return on assets (ROA) | 0.6176% | 3,749 |
| Pretax return on assets | 0.8629% | 3,442 |
| Return on Equity (ROE) | 6.3900% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.3855% | 2,600 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.4615% | 2,486 |
| Assets per employee ($millions) | 7.6205% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 2,786 |
| Loan loss allowance to noncurrent loans | 28.9926% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 2.7820% | 63 |
| Noncurrent loans to loans | 3.9705% | 95 |
| Net loans and leases to total assets | 66.4800% | 1,839 |
| Net loans and leases to deposits | 74.6271% | 1,988 |
| Net loans and leases to core deposits | 88.2853% | 1,402 |
| Total domestic deposits to total assets | 89.0900% | 2,050 |
| Equity capital to assets | 10.2454% | 1,493 |
| Core capital (leverage) ratio | 10.0862% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1880% | 546 |
| Memoranda: | ||
| Average total assets | $31,521,500 | 4,634 |
| Average earning assets | $30,715,500 | 4,600 |
| Average equity | $3,048,500 | 4,649 |
| Average total loans | $20,597,750 | 4,442 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2010% | 3,048 |
| Cost of funding earning assets | 0.4637% | 645 |
| Net interest margin | 2.7373% | 3,618 |
| Noninterest income to average assets | 0.0439% | 4,648 |
| Noninterest expense to average assets | 1.7447% | 4,061 |
| Loan and lease loss provision to assets | 0.1004% | 998 |
| Net operating income to assets | 0.6339% | 3,529 |
| Return on assets (ROA) | 0.6339% | 3,477 |
| Pretax return on assets | 0.8661% | 3,157 |
| Return on Equity (ROE) | 6.6806% | 3,400 |
| Retained earnings to average equity (ytd only) | 6.6806% | 2,098 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3519% | 2,726 |
| Assets per employee ($millions) | 7.9028% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 3,184 |
| Loan loss allowance to noncurrent loans | 27.3390% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 2.7111% | 76 |
| Noncurrent loans to loans | 4.0047% | 94 |
| Net loans and leases to total assets | 64.3004% | 1,873 |
| Net loans and leases to deposits | 71.6284% | 2,059 |
| Net loans and leases to core deposits | 84.0716% | 1,445 |
| Total domestic deposits to total assets | 89.7694% | 1,812 |
| Equity capital to assets | 9.7340% | 1,862 |
| Core capital (leverage) ratio | 9.7878% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5161% | 584 |
| Memoranda: | ||
| Average total assets | $31,868,000 | 4,666 |
| Average earning assets | $31,053,000 | 4,648 |
| Average equity | $3,023,667 | 4,684 |
| Average total loans | $20,630,000 | 4,496 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1062% | 2,966 |
| Cost of funding earning assets | 0.4730% | 571 |
| Net interest margin | 2.6332% | 3,576 |
| Noninterest income to average assets | 0.0000% | 4,754 |
| Noninterest expense to average assets | 1.7377% | 4,077 |
| Loan and lease loss provision to assets | 0.1000% | 837 |
| Net operating income to assets | 0.5376% | 3,602 |
| Return on assets (ROA) | 0.5376% | 3,569 |
| Pretax return on assets | 0.7376% | 3,285 |
| Return on Equity (ROE) | 5.7391% | 3,421 |
| Retained earnings to average equity (ytd only) | 5.7391% | 2,339 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4757% | 2,569 |
| Assets per employee ($millions) | 7.9885% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,525 |
| Loan loss allowance to noncurrent loans | 28.1818% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 2.5161% | 94 |
| Noncurrent loans to loans | 3.7322% | 115 |
| Net loans and leases to total assets | 63.8856% | 1,637 |
| Net loans and leases to deposits | 70.8303% | 1,881 |
| Net loans and leases to core deposits | 82.9130% | 1,301 |
| Total domestic deposits to total assets | 90.1953% | 1,446 |
| Equity capital to assets | 9.4480% | 2,325 |
| Core capital (leverage) ratio | 9.4533% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2422% | 621 |
| Memoranda: | ||
| Average total assets | $31,996,500 | 4,692 |
| Average earning assets | $31,292,500 | 4,673 |
| Average equity | $2,997,000 | 4,717 |
| Average total loans | $20,669,500 | 4,509 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2689% | 3,299 |
| Cost of funding earning assets | 0.6911% | 339 |
| Net interest margin | 2.5778% | 4,082 |
| Noninterest income to average assets | -0.0502% | 4,829 |
| Noninterest expense to average assets | 1.6735% | 4,335 |
| Loan and lease loss provision to assets | 0.1350% | 903 |
| Net operating income to assets | 0.4678% | 4,145 |
| Return on assets (ROA) | 0.4678% | 4,192 |
| Pretax return on assets | 0.6593% | 4,013 |
| Return on Equity (ROE) | 5.1393% | 3,964 |
| Retained earnings to average equity (ytd only) | 5.1393% | 2,732 |
| Net charge-offs to loans | 0.1362% | 683 |
| Credit loss provision to net charge-offs | 153.5714% | 1,478 |
| Earnings coverage of net charge-offs (x) | 9.0357% | 2,277 |
| Efficiency ratio | 67.8117% | 2,011 |
| Assets per employee ($millions) | 8.0098% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,709 |
| Loan loss allowance to noncurrent loans | 24.7924% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 2.7373% | 88 |
| Noncurrent loans to loans | 4.0709% | 101 |
| Net loans and leases to total assets | 63.9814% | 1,703 |
| Net loans and leases to deposits | 70.7594% | 2,044 |
| Net loans and leases to core deposits | 82.7574% | 1,401 |
| Total domestic deposits to total assets | 90.4210% | 754 |
| Equity capital to assets | 9.2856% | 3,332 |
| Core capital (leverage) ratio | 9.2832% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $31,850,000 | 4,732 |
| Average earning assets | $31,111,200 | 4,708 |
| Average equity | $2,899,200 | 4,765 |
| Average total loans | $20,562,400 | 4,559 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3171% | 3,338 |
| Cost of funding earning assets | 0.7390% | 324 |
| Net interest margin | 2.5780% | 4,163 |
| Noninterest income to average assets | -0.0713% | 4,903 |
| Noninterest expense to average assets | 1.6853% | 4,351 |
| Loan and lease loss provision to assets | 0.0849% | 1,410 |
| Net operating income to assets | 0.4947% | 4,216 |
| Return on assets (ROA) | 0.4947% | 4,261 |
| Pretax return on assets | 0.6750% | 4,113 |
| Return on Equity (ROE) | 5.4624% | 4,027 |
| Retained earnings to average equity (ytd only) | 5.4624% | 3,053 |
| Net charge-offs to loans | 0.1819% | 474 |
| Credit loss provision to net charge-offs | 71.4286% | 1,749 |
| Earnings coverage of net charge-offs (x) | 6.4643% | 2,176 |
| Efficiency ratio | 68.9537% | 1,712 |
| Assets per employee ($millions) | 7.9905% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8991% | 4,156 |
| Loan loss allowance to noncurrent loans | 45.1691% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.4017% | 374 |
| Noncurrent loans to loans | 1.9905% | 444 |
| Net loans and leases to total assets | 64.4891% | 1,708 |
| Net loans and leases to deposits | 71.4975% | 2,103 |
| Net loans and leases to core deposits | 83.6900% | 1,451 |
| Total domestic deposits to total assets | 90.1977% | 684 |
| Equity capital to assets | 9.2109% | 3,641 |
| Core capital (leverage) ratio | 9.2341% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7985% | 715 |
| Memoranda: | ||
| Average total assets | $31,802,750 | 4,805 |
| Average earning assets | $31,030,750 | 4,779 |
| Average equity | $2,880,250 | 4,842 |
| Average total loans | $20,526,000 | 4,625 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3004% | 3,423 |
| Cost of funding earning assets | 0.7993% | 295 |
| Net interest margin | 2.5011% | 4,304 |
| Noninterest income to average assets | -0.1197% | 4,939 |
| Noninterest expense to average assets | 1.6441% | 4,457 |
| Loan and lease loss provision to assets | 0.0945% | 1,330 |
| Net operating income to assets | 0.4347% | 4,326 |
| Return on assets (ROA) | 0.4347% | 4,369 |
| Pretax return on assets | 0.5858% | 4,260 |
| Return on Equity (ROE) | 4.8269% | 4,163 |
| Retained earnings to average equity (ytd only) | 4.8269% | 3,255 |
| Net charge-offs to loans | 0.2740% | 324 |
| Credit loss provision to net charge-offs | 53.5714% | 1,588 |
| Earnings coverage of net charge-offs (x) | 3.8571% | 2,053 |
| Efficiency ratio | 70.7317% | 1,551 |
| Assets per employee ($millions) | 8.0468% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 4,185 |
| Loan loss allowance to noncurrent loans | 34.7992% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.7305% | 279 |
| Noncurrent loans to loans | 2.5530% | 320 |
| Net loans and leases to total assets | 63.0814% | 2,053 |
| Net loans and leases to deposits | 69.7061% | 2,443 |
| Net loans and leases to core deposits | 80.6098% | 1,836 |
| Total domestic deposits to total assets | 90.4962% | 557 |
| Equity capital to assets | 8.9943% | 3,804 |
| Core capital (leverage) ratio | 9.0145% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2607% | 782 |
| Memoranda: | ||
| Average total assets | $31,749,667 | 4,836 |
| Average earning assets | $31,026,667 | 4,806 |
| Average equity | $2,859,000 | 4,874 |
| Average total loans | $20,435,000 | 4,657 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2767% | 3,513 |
| Cost of funding earning assets | 0.8842% | 240 |
| Net interest margin | 2.3925% | 4,419 |
| Noninterest income to average assets | 0.0381% | 4,873 |
| Noninterest expense to average assets | 1.6745% | 4,425 |
| Loan and lease loss provision to assets | 0.1903% | 644 |
| Net operating income to assets | 0.3806% | 4,394 |
| Return on assets (ROA) | 0.3806% | 4,421 |
| Pretax return on assets | 0.5074% | 4,338 |
| Return on Equity (ROE) | 4.2239% | 4,244 |
| Retained earnings to average equity (ytd only) | 4.2239% | 3,441 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5882% | 1,639 |
| Assets per employee ($millions) | 8.0083% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 4,173 |
| Loan loss allowance to noncurrent loans | 48.4043% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.4985% | 426 |
| Noncurrent loans to loans | 1.8449% | 616 |
| Net loans and leases to total assets | 63.0537% | 2,161 |
| Net loans and leases to deposits | 69.5715% | 2,554 |
| Net loans and leases to core deposits | 80.4958% | 1,957 |
| Total domestic deposits to total assets | 90.6315% | 529 |
| Equity capital to assets | 8.9158% | 3,770 |
| Core capital (leverage) ratio | 8.9741% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1046% | 777 |
| Memoranda: | ||
| Average total assets | $31,531,000 | 4,860 |
| Average earning assets | $30,763,000 | 4,831 |
| Average equity | $2,841,000 | 4,899 |
| Average total loans | $20,409,500 | 4,682 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7510% | 3,440 |
| Cost of funding earning assets | 1.2984% | 179 |
| Net interest margin | 2.4526% | 4,627 |
| Noninterest income to average assets | 0.0456% | 4,870 |
| Noninterest expense to average assets | 1.7278% | 4,582 |
| Loan and lease loss provision to assets | 0.1956% | 1,997 |
| Net operating income to assets | 0.3586% | 4,331 |
| Return on assets (ROA) | 0.3586% | 4,403 |
| Pretax return on assets | 0.5053% | 4,259 |
| Return on Equity (ROE) | 3.9884% | 4,161 |
| Retained earnings to average equity (ytd only) | 3.9884% | 2,834 |
| Net charge-offs to loans | 0.2063% | 844 |
| Credit loss provision to net charge-offs | 142.8571% | 2,464 |
| Earnings coverage of net charge-offs (x) | 5.1190% | 2,897 |
| Efficiency ratio | 71.1409% | 1,788 |
| Assets per employee ($millions) | 7.7573% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 4,018 |
| Loan loss allowance to noncurrent loans | 27.9770% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.5815% | 167 |
| Noncurrent loans to loans | 3.4101% | 217 |
| Net loans and leases to total assets | 65.2422% | 2,197 |
| Net loans and leases to deposits | 72.1505% | 2,671 |
| Net loans and leases to core deposits | 83.9199% | 2,038 |
| Total domestic deposits to total assets | 90.4251% | 407 |
| Equity capital to assets | 9.1076% | 3,968 |
| Core capital (leverage) ratio | 9.1477% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9155% | 777 |
| Memoranda: | ||
| Average total assets | $30,675,600 | 4,869 |
| Average earning assets | $29,805,600 | 4,842 |
| Average equity | $2,758,000 | 4,921 |
| Average total loans | $20,355,600 | 4,705 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7801% | 3,619 |
| Cost of funding earning assets | 1.3872% | 174 |
| Net interest margin | 2.3929% | 4,727 |
| Noninterest income to average assets | 0.0218% | 4,948 |
| Noninterest expense to average assets | 1.7916% | 4,513 |
| Loan and lease loss provision to assets | 0.1962% | 2,015 |
| Net operating income to assets | 0.2441% | 4,530 |
| Return on assets (ROA) | 0.2441% | 4,568 |
| Pretax return on assets | 0.3574% | 4,477 |
| Return on Equity (ROE) | 2.7240% | 4,439 |
| Retained earnings to average equity (ytd only) | 2.7240% | 3,636 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3941% | 1,171 |
| Assets per employee ($millions) | 7.7335% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 3,849 |
| Loan loss allowance to noncurrent loans | 39.6378% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.9364% | 354 |
| Noncurrent loans to loans | 2.4208% | 442 |
| Net loans and leases to total assets | 65.7303% | 2,550 |
| Net loans and leases to deposits | 72.7113% | 3,068 |
| Net loans and leases to core deposits | 84.6186% | 2,419 |
| Total domestic deposits to total assets | 90.3989% | 307 |
| Equity capital to assets | 8.9610% | 4,147 |
| Core capital (leverage) ratio | 8.8681% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6874% | 820 |
| Memoranda: | ||
| Average total assets | $30,587,250 | 4,895 |
| Average earning assets | $29,698,750 | 4,872 |
| Average equity | $2,741,000 | 4,952 |
| Average total loans | $20,334,750 | 4,740 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 3,902 |
| Cost of funding earning assets | 1.4623% | 179 |
| Net interest margin | 2.3220% | 4,827 |
| Noninterest income to average assets | 0.0263% | 4,963 |
| Noninterest expense to average assets | 1.7721% | 4,597 |
| Loan and lease loss provision to assets | 0.1969% | 2,073 |
| Net operating income to assets | 0.2232% | 4,539 |
| Return on assets (ROA) | 0.2232% | 4,579 |
| Pretax return on assets | 0.3085% | 4,523 |
| Return on Equity (ROE) | 2.4902% | 4,446 |
| Retained earnings to average equity (ytd only) | 2.4902% | 3,582 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8098% | 1,072 |
| Assets per employee ($millions) | 7.8520% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9008% | 4,003 |
| Loan loss allowance to noncurrent loans | 44.0678% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.9263% | 394 |
| Noncurrent loans to loans | 2.0440% | 651 |
| Net loans and leases to total assets | 63.7513% | 2,911 |
| Net loans and leases to deposits | 70.3154% | 3,391 |
| Net loans and leases to core deposits | 81.5900% | 2,808 |
| Total domestic deposits to total assets | 90.6648% | 233 |
| Equity capital to assets | 8.7557% | 4,307 |
| Core capital (leverage) ratio | 8.8693% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6488% | 816 |
| Memoranda: | ||
| Average total assets | $30,471,667 | 4,924 |
| Average earning assets | $29,543,000 | 4,902 |
| Average equity | $2,730,667 | 4,983 |
| Average total loans | $20,269,667 | 4,765 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8432% | 4,147 |
| Cost of funding earning assets | 1.5566% | 217 |
| Net interest margin | 2.2866% | 4,924 |
| Noninterest income to average assets | 0.0133% | 5,038 |
| Noninterest expense to average assets | 1.8398% | 4,619 |
| Loan and lease loss provision to assets | 0.2000% | 1,518 |
| Net operating income to assets | 0.1200% | 4,632 |
| Return on assets (ROA) | 0.1200% | 4,638 |
| Pretax return on assets | 0.1866% | 4,582 |
| Return on Equity (ROE) | 1.3230% | 4,584 |
| Retained earnings to average equity (ytd only) | 1.3230% | 3,664 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6347% | 925 |
| Assets per employee ($millions) | 7.5063% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 4,333 |
| Loan loss allowance to noncurrent loans | 31.3910% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 2.4180% | 294 |
| Noncurrent loans to loans | 2.6490% | 435 |
| Net loans and leases to total assets | 66.3314% | 2,778 |
| Net loans and leases to deposits | 73.5043% | 3,322 |
| Net loans and leases to core deposits | 82.4338% | 2,986 |
| Total domestic deposits to total assets | 90.2415% | 257 |
| Equity capital to assets | 9.0791% | 4,554 |
| Core capital (leverage) ratio | 9.0679% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7798% | 890 |
| Memoranda: | ||
| Average total assets | $30,003,500 | 4,969 |
| Average earning assets | $29,038,500 | 4,946 |
| Average equity | $2,721,000 | 5,031 |
| Average total loans | $20,302,000 | 4,801 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0689% | 4,108 |
| Cost of funding earning assets | 1.6090% | 289 |
| Net interest margin | 2.4598% | 4,986 |
| Noninterest income to average assets | 0.0366% | 5,061 |
| Noninterest expense to average assets | 1.7472% | 4,828 |
| Loan and lease loss provision to assets | 0.1564% | 1,351 |
| Net operating income to assets | 0.3727% | 4,645 |
| Return on assets (ROA) | 0.3727% | 4,675 |
| Pretax return on assets | 0.5192% | 4,536 |
| Return on Equity (ROE) | 4.2175% | 4,410 |
| Retained earnings to average equity (ytd only) | 4.2175% | 2,848 |
| Net charge-offs to loans | 0.2036% | 1,008 |
| Credit loss provision to net charge-offs | 109.3023% | 2,276 |
| Earnings coverage of net charge-offs (x) | 4.7209% | 3,177 |
| Efficiency ratio | 72.1154% | 1,851 |
| Assets per employee ($millions) | 7.4955% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 4,117 |
| Loan loss allowance to noncurrent loans | 20.2055% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 3.3353% | 145 |
| Noncurrent loans to loans | 4.2688% | 146 |
| Net loans and leases to total assets | 67.8540% | 2,699 |
| Net loans and leases to deposits | 75.1478% | 3,246 |
| Net loans and leases to core deposits | 85.5257% | 2,823 |
| Total domestic deposits to total assets | 90.2942% | 239 |
| Equity capital to assets | 9.0588% | 4,653 |
| Core capital (leverage) ratio | 9.0140% | 4,523 |
| Tier 1 risk-based capital ratio | 18.2050% | 1,713 |
| Total risk-based capital ratio | 19.3914% | 1,684 |
| Memoranda: | ||
| Average total assets | $30,048,400 | 5,025 |
| Average earning assets | $29,148,200 | 4,995 |
| Average equity | $2,655,600 | 5,091 |
| Average total loans | $21,124,400 | 4,834 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 4,251 |
| Cost of funding earning assets | 1.5940% | 311 |
| Net interest margin | 2.4573% | 5,087 |
| Noninterest income to average assets | 0.0266% | 5,162 |
| Noninterest expense to average assets | 1.8138% | 4,799 |
| Loan and lease loss provision to assets | 0.1463% | 1,304 |
| Net operating income to assets | 0.3104% | 4,823 |
| Return on assets (ROA) | 0.3104% | 4,846 |
| Pretax return on assets | 0.4524% | 4,751 |
| Return on Equity (ROE) | 3.5346% | 4,670 |
| Retained earnings to average equity (ytd only) | 3.5346% | 3,640 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1838% | 1,429 |
| Assets per employee ($millions) | 7.5353% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8798% | 4,127 |
| Loan loss allowance to noncurrent loans | 45.0739% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.6987% | 608 |
| Noncurrent loans to loans | 1.9518% | 698 |
| Net loans and leases to total assets | 68.4052% | 2,730 |
| Net loans and leases to deposits | 75.7875% | 3,316 |
| Net loans and leases to core deposits | 86.1957% | 2,896 |
| Total domestic deposits to total assets | 90.2591% | 226 |
| Equity capital to assets | 8.8750% | 4,838 |
| Core capital (leverage) ratio | 8.9051% | 4,708 |
| Tier 1 risk-based capital ratio | 17.9133% | 1,847 |
| Total risk-based capital ratio | 19.1388% | 1,797 |
| Memoranda: | ||
| Average total assets | $30,065,000 | 5,101 |
| Average earning assets | $29,191,250 | 5,070 |
| Average equity | $2,640,500 | 5,169 |
| Average total loans | $21,275,250 | 4,906 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9697% | 4,436 |
| Cost of funding earning assets | 1.5564% | 316 |
| Net interest margin | 2.4134% | 5,162 |
| Noninterest income to average assets | 0.0333% | 5,200 |
| Noninterest expense to average assets | 1.7910% | 4,888 |
| Loan and lease loss provision to assets | 0.1332% | 1,399 |
| Net operating income to assets | 0.3196% | 4,850 |
| Return on assets (ROA) | 0.3196% | 4,860 |
| Pretax return on assets | 0.4527% | 4,759 |
| Return on Equity (ROE) | 3.6516% | 4,661 |
| Retained earnings to average equity (ytd only) | 3.6516% | 3,429 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3501% | 1,477 |
| Assets per employee ($millions) | 7.5680% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8014% | 4,437 |
| Loan loss allowance to noncurrent loans | 34.7648% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.6154% | 666 |
| Noncurrent loans to loans | 2.3052% | 563 |
| Net loans and leases to total assets | 69.5131% | 2,599 |
| Net loans and leases to deposits | 76.8301% | 3,258 |
| Net loans and leases to core deposits | 86.0338% | 2,959 |
| Total domestic deposits to total assets | 90.4763% | 196 |
| Equity capital to assets | 8.7639% | 4,917 |
| Core capital (leverage) ratio | 8.7685% | 4,797 |
| Tier 1 risk-based capital ratio | 17.5092% | 1,936 |
| Total risk-based capital ratio | 18.6312% | 1,931 |
| Memoranda: | ||
| Average total assets | $30,039,670 | 5,146 |
| Average earning assets | $29,170,670 | 5,114 |
| Average equity | $2,629,000 | 5,211 |
| Average total loans | $21,433,330 | 4,947 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 4,481 |
| Cost of funding earning assets | 1.4899% | 335 |
| Net interest margin | 2.4556% | 5,206 |
| Noninterest income to average assets | 0.0401% | 5,240 |
| Noninterest expense to average assets | 1.8046% | 4,913 |
| Loan and lease loss provision to assets | 0.1203% | 1,455 |
| Net operating income to assets | 0.3609% | 4,812 |
| Return on assets (ROA) | 0.3609% | 4,821 |
| Pretax return on assets | 0.4946% | 4,699 |
| Return on Equity (ROE) | 4.1269% | 4,549 |
| Retained earnings to average equity (ytd only) | 4.1269% | 3,267 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5856% | 1,667 |
| Assets per employee ($millions) | 7.5915% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 4,348 |
| Loan loss allowance to noncurrent loans | 30.0330% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 2.3447% | 353 |
| Noncurrent loans to loans | 2.8266% | 415 |
| Net loans and leases to total assets | 70.0026% | 2,481 |
| Net loans and leases to deposits | 77.1999% | 3,143 |
| Net loans and leases to core deposits | 86.3930% | 2,839 |
| Total domestic deposits to total assets | 90.6771% | 234 |
| Equity capital to assets | 8.6610% | 4,897 |
| Core capital (leverage) ratio | 8.7341% | 4,838 |
| Tier 1 risk-based capital ratio | 17.2380% | 2,041 |
| Total risk-based capital ratio | 18.4309% | 1,999 |
| Memoranda: | ||
| Average total assets | $29,923,500 | 5,201 |
| Average earning assets | $28,995,500 | 5,169 |
| Average equity | $2,617,000 | 5,268 |
| Average total loans | $21,543,500 | 5,005 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8503% | 4,391 |
| Cost of funding earning assets | 1.1447% | 426 |
| Net interest margin | 2.7057% | 5,093 |
| Noninterest income to average assets | 0.0906% | 5,179 |
| Noninterest expense to average assets | 1.9338% | 4,843 |
| Loan and lease loss provision to assets | 0.0801% | 2,522 |
| Net operating income to assets | 0.5157% | 4,627 |
| Return on assets (ROA) | 0.5157% | 4,627 |
| Pretax return on assets | 0.7038% | 4,406 |
| Return on Equity (ROE) | 5.8447% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.8447% | 2,272 |
| Net charge-offs to loans | 0.2630% | 733 |
| Credit loss provision to net charge-offs | 40.3509% | 3,280 |
| Earnings coverage of net charge-offs (x) | 3.9474% | 3,360 |
| Efficiency ratio | 71.1538% | 2,023 |
| Assets per employee ($millions) | 7.3703% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 4,538 |
| Loan loss allowance to noncurrent loans | 43.6869% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.7028% | 629 |
| Noncurrent loans to loans | 1.8293% | 769 |
| Net loans and leases to total assets | 72.8435% | 2,124 |
| Net loans and leases to deposits | 80.4187% | 2,907 |
| Net loans and leases to core deposits | 89.0192% | 2,653 |
| Total domestic deposits to total assets | 90.5804% | 304 |
| Equity capital to assets | 8.8328% | 4,705 |
| Core capital (leverage) ratio | 8.8596% | 4,763 |
| Tier 1 risk-based capital ratio | 17.2131% | 1,990 |
| Total risk-based capital ratio | 18.3567% | 1,975 |
| Memoranda: | ||
| Average total assets | $28,699,400 | 5,259 |
| Average earning assets | $27,867,600 | 5,228 |
| Average equity | $2,532,200 | 5,318 |
| Average total loans | $21,670,200 | 5,035 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8108% | 4,413 |
| Cost of funding earning assets | 1.0682% | 453 |
| Net interest margin | 2.7426% | 5,132 |
| Noninterest income to average assets | 0.0889% | 5,246 |
| Noninterest expense to average assets | 1.9459% | 4,828 |
| Loan and lease loss provision to assets | 0.0327% | 3,365 |
| Net operating income to assets | 0.5613% | 4,617 |
| Return on assets (ROA) | 0.5613% | 4,621 |
| Pretax return on assets | 0.7765% | 4,357 |
| Return on Equity (ROE) | 6.3637% | 4,152 |
| Retained earnings to average equity (ytd only) | 6.3637% | 2,448 |
| Net charge-offs to loans | 0.2399% | 711 |
| Credit loss provision to net charge-offs | 17.9487% | 3,027 |
| Earnings coverage of net charge-offs (x) | 4.4358% | 3,061 |
| Efficiency ratio | 70.6282% | 2,100 |
| Assets per employee ($millions) | 7.1208% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8078% | 4,588 |
| Loan loss allowance to noncurrent loans | 59.7270% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.1481% | 1,239 |
| Noncurrent loans to loans | 1.3525% | 1,230 |
| Net loans and leases to total assets | 75.4450% | 1,740 |
| Net loans and leases to deposits | 83.6538% | 2,639 |
| Net loans and leases to core deposits | 92.1958% | 2,458 |
| Total domestic deposits to total assets | 90.1871% | 446 |
| Equity capital to assets | 9.0440% | 4,512 |
| Core capital (leverage) ratio | 8.9910% | 4,716 |
| Tier 1 risk-based capital ratio | 17.3854% | 1,973 |
| Total risk-based capital ratio | 18.5665% | 1,942 |
| Memoranda: | ||
| Average total assets | $28,504,000 | 5,332 |
| Average earning assets | $27,709,750 | 5,297 |
| Average equity | $2,514,250 | 5,389 |
| Average total loans | $21,675,750 | 5,098 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7210% | 4,535 |
| Cost of funding earning assets | 1.0168% | 434 |
| Net interest margin | 2.7042% | 5,216 |
| Noninterest income to average assets | 0.0561% | 5,387 |
| Noninterest expense to average assets | 1.9431% | 4,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5401% | 4,650 |
| Return on assets (ROA) | 0.5401% | 4,657 |
| Pretax return on assets | 0.7436% | 4,407 |
| Return on Equity (ROE) | 6.1756% | 4,166 |
| Retained earnings to average equity (ytd only) | 6.1756% | 2,469 |
| Net charge-offs to loans | 0.3598% | 437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2.7179% | 2,949 |
| Efficiency ratio | 72.3238% | 1,949 |
| Assets per employee ($millions) | 7.2250% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7689% | 4,789 |
| Loan loss allowance to noncurrent loans | 69.7095% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 0.9827% | 1,531 |
| Noncurrent loans to loans | 1.1031% | 1,599 |
| Net loans and leases to total assets | 75.0173% | 1,786 |
| Net loans and leases to deposits | 82.7576% | 2,687 |
| Net loans and leases to core deposits | 91.0274% | 2,482 |
| Total domestic deposits to total assets | 90.6471% | 349 |
| Equity capital to assets | 8.7647% | 4,750 |
| Core capital (leverage) ratio | 8.7003% | 4,958 |
| Tier 1 risk-based capital ratio | 16.9932% | 2,100 |
| Total risk-based capital ratio | 18.1202% | 2,091 |
| Memoranda: | ||
| Average total assets | $28,511,000 | 5,391 |
| Average earning assets | $27,734,670 | 5,362 |
| Average equity | $2,493,670 | 5,450 |
| Average total loans | $21,679,670 | 5,157 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6194% | 4,661 |
| Cost of funding earning assets | 0.9884% | 388 |
| Net interest margin | 2.6310% | 5,304 |
| Noninterest income to average assets | 0.0989% | 5,337 |
| Noninterest expense to average assets | 1.9635% | 4,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4944% | 4,710 |
| Return on assets (ROA) | 0.4944% | 4,720 |
| Pretax return on assets | 0.6922% | 4,462 |
| Return on Equity (ROE) | 5.6589% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.6589% | 2,866 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9362% | 1,905 |
| Assets per employee ($millions) | 5.9024% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 4,183 |
| Loan loss allowance to noncurrent loans | 97.1831% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.8369% | 1,892 |
| Noncurrent loans to loans | 0.9858% | 1,851 |
| Net loans and leases to total assets | 72.5129% | 2,091 |
| Net loans and leases to deposits | 79.6042% | 2,856 |
| Net loans and leases to core deposits | 87.3362% | 2,690 |
| Total domestic deposits to total assets | 91.0918% | 289 |
| Equity capital to assets | 8.4406% | 5,021 |
| Core capital (leverage) ratio | 8.6054% | 5,061 |
| Tier 1 risk-based capital ratio | 16.8710% | 2,150 |
| Total risk-based capital ratio | 18.1172% | 2,106 |
| Memoranda: | ||
| Average total assets | $28,316,500 | 5,455 |
| Average earning assets | $27,518,000 | 5,423 |
| Average equity | $2,474,000 | 5,511 |
| Average total loans | $21,595,500 | 5,216 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6907% | 4,360 |
| Cost of funding earning assets | 0.6843% | 1,114 |
| Net interest margin | 3.0064% | 4,870 |
| Noninterest income to average assets | -0.0362% | 5,637 |
| Noninterest expense to average assets | 2.2297% | 4,472 |
| Loan and lease loss provision to assets | 0.0471% | 3,284 |
| Net operating income to assets | 0.3909% | 4,725 |
| Return on assets (ROA) | 0.3909% | 4,737 |
| Pretax return on assets | 0.5972% | 4,744 |
| Return on Equity (ROE) | 4.4847% | 4,356 |
| Retained earnings to average equity (ytd only) | 4.4847% | 2,459 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5819% | 1,412 |
| Assets per employee ($millions) | 5.4242% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 4,165 |
| Loan loss allowance to noncurrent loans | 43.6709% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 2.1275% | 504 |
| Noncurrent loans to loans | 2.1961% | 662 |
| Net loans and leases to total assets | 78.8208% | 1,154 |
| Net loans and leases to deposits | 91.6760% | 1,573 |
| Net loans and leases to core deposits | 102.3901% | 1,531 |
| Total domestic deposits to total assets | 85.9777% | 2,448 |
| Equity capital to assets | 9.0594% | 4,660 |
| Core capital (leverage) ratio | 8.8410% | 4,821 |
| Tier 1 risk-based capital ratio | 16.9659% | 2,110 |
| Total risk-based capital ratio | 18.2157% | 2,052 |
| Memoranda: | ||
| Average total assets | $27,627,200 | 5,524 |
| Average earning assets | $26,743,200 | 5,491 |
| Average equity | $2,408,200 | 5,575 |
| Average total loans | $21,595,400 | 5,269 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6625% | 4,418 |
| Cost of funding earning assets | 0.6352% | 1,331 |
| Net interest margin | 3.0273% | 4,858 |
| Noninterest income to average assets | 0.0240% | 5,645 |
| Noninterest expense to average assets | 2.1282% | 4,673 |
| Loan and lease loss provision to assets | 0.0624% | 2,825 |
| Net operating income to assets | 0.4804% | 4,787 |
| Return on assets (ROA) | 0.4804% | 4,829 |
| Pretax return on assets | 0.7638% | 4,446 |
| Return on Equity (ROE) | 5.5647% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.5647% | 2,495 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0325% | 2,200 |
| Assets per employee ($millions) | 5.6636% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 4,296 |
| Loan loss allowance to noncurrent loans | 70.6485% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.4549% | 1,054 |
| Noncurrent loans to loans | 1.3528% | 1,396 |
| Net loans and leases to total assets | 75.7539% | 1,628 |
| Net loans and leases to deposits | 87.7993% | 2,091 |
| Net loans and leases to core deposits | 97.1866% | 1,956 |
| Total domestic deposits to total assets | 86.2808% | 2,189 |
| Equity capital to assets | 8.6447% | 5,195 |
| Core capital (leverage) ratio | 8.8115% | 4,950 |
| Tier 1 risk-based capital ratio | 16.7350% | 2,238 |
| Total risk-based capital ratio | 17.9861% | 2,194 |
| Memoranda: | ||
| Average total assets | $27,753,750 | 5,585 |
| Average earning assets | $26,866,250 | 5,546 |
| Average equity | $2,396,000 | 5,643 |
| Average total loans | $21,598,250 | 5,320 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6481% | 4,369 |
| Cost of funding earning assets | 0.6367% | 1,218 |
| Net interest margin | 3.0113% | 4,884 |
| Noninterest income to average assets | 0.0290% | 5,687 |
| Noninterest expense to average assets | 2.1476% | 4,679 |
| Loan and lease loss provision to assets | 0.0943% | 2,100 |
| Net operating income to assets | 0.4353% | 4,881 |
| Return on assets (ROA) | 0.4353% | 4,907 |
| Pretax return on assets | 0.7038% | 4,537 |
| Return on Equity (ROE) | 5.0448% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.0448% | 2,681 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9064% | 2,201 |
| Assets per employee ($millions) | 5.4700% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 4,405 |
| Loan loss allowance to noncurrent loans | 56.7123% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.7697% | 788 |
| Noncurrent loans to loans | 1.6796% | 1,084 |
| Net loans and leases to total assets | 78.6984% | 1,135 |
| Net loans and leases to deposits | 86.7623% | 2,138 |
| Net loans and leases to core deposits | 95.8838% | 1,992 |
| Total domestic deposits to total assets | 90.7057% | 298 |
| Equity capital to assets | 8.8080% | 5,064 |
| Core capital (leverage) ratio | 8.6798% | 5,060 |
| Tier 1 risk-based capital ratio | 16.6505% | 2,257 |
| Total risk-based capital ratio | 17.9016% | 2,213 |
| Memoranda: | ||
| Average total assets | $27,565,670 | 5,631 |
| Average earning assets | $26,699,000 | 5,595 |
| Average equity | $2,378,670 | 5,689 |
| Average total loans | $21,578,000 | 5,364 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6113% | 4,388 |
| Cost of funding earning assets | 0.6417% | 1,120 |
| Net interest margin | 2.9696% | 4,963 |
| Noninterest income to average assets | 0.0289% | 5,763 |
| Noninterest expense to average assets | 2.0381% | 4,962 |
| Loan and lease loss provision to assets | 0.1445% | 1,294 |
| Net operating income to assets | 0.4481% | 4,790 |
| Return on assets (ROA) | 0.4481% | 4,810 |
| Pretax return on assets | 0.7227% | 4,377 |
| Return on Equity (ROE) | 5.2465% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.2465% | 2,758 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1493% | 2,862 |
| Assets per employee ($millions) | 5.5744% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 4,527 |
| Loan loss allowance to noncurrent loans | 57.7904% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.6935% | 882 |
| Noncurrent loans to loans | 1.6500% | 1,172 |
| Net loans and leases to total assets | 76.0261% | 1,415 |
| Net loans and leases to deposits | 83.5140% | 2,339 |
| Net loans and leases to core deposits | 92.0784% | 2,158 |
| Total domestic deposits to total assets | 91.0340% | 292 |
| Equity capital to assets | 8.5354% | 5,214 |
| Core capital (leverage) ratio | 8.5579% | 5,186 |
| Tier 1 risk-based capital ratio | 16.5542% | 2,338 |
| Total risk-based capital ratio | 17.7997% | 2,289 |
| Memoranda: | ||
| Average total assets | $27,673,500 | 5,695 |
| Average earning assets | $26,805,000 | 5,660 |
| Average equity | $2,363,500 | 5,753 |
| Average total loans | $21,501,500 | 5,421 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6374% | 4,411 |
| Cost of funding earning assets | 0.6661% | 971 |
| Net interest margin | 2.9713% | 5,014 |
| Noninterest income to average assets | 0.0906% | 5,672 |
| Noninterest expense to average assets | 2.0400% | 5,113 |
| Loan and lease loss provision to assets | 0.3442% | 498 |
| Net operating income to assets | 0.3732% | 5,023 |
| Return on assets (ROA) | 0.3732% | 5,105 |
| Pretax return on assets | 0.5834% | 4,831 |
| Return on Equity (ROE) | 4.4908% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.4908% | 2,716 |
| Net charge-offs to loans | 0.4288% | 599 |
| Credit loss provision to net charge-offs | 103.2609% | 2,506 |
| Earnings coverage of net charge-offs (x) | 2.7826% | 3,773 |
| Efficiency ratio | 68.7424% | 3,119 |
| Assets per employee ($millions) | 5.4950% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 4,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4331% | 3,534 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 77.9436% | 1,203 |
| Net loans and leases to deposits | 88.2074% | 1,896 |
| Net loans and leases to core deposits | 104.8829% | 1,215 |
| Total domestic deposits to total assets | 88.3640% | 1,458 |
| Equity capital to assets | 8.5460% | 5,236 |
| Core capital (leverage) ratio | 8.5881% | 5,181 |
| Tier 1 risk-based capital ratio | 15.9913% | 2,549 |
| Total risk-based capital ratio | 17.2376% | 2,485 |
| Memoranda: | ||
| Average total assets | $27,598,000 | 5,751 |
| Average earning assets | $26,722,600 | 5,713 |
| Average equity | $2,293,600 | 5,819 |
| Average total loans | $21,453,200 | 5,468 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6183% | 4,495 |
| Cost of funding earning assets | 0.6669% | 964 |
| Net interest margin | 2.9514% | 5,094 |
| Noninterest income to average assets | 0.0724% | 5,781 |
| Noninterest expense to average assets | 2.0220% | 5,159 |
| Loan and lease loss provision to assets | 0.3281% | 500 |
| Net operating income to assets | 0.3330% | 5,208 |
| Return on assets (ROA) | 0.3330% | 5,286 |
| Pretax return on assets | 0.5839% | 4,917 |
| Return on Equity (ROE) | 4.0351% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.0351% | 3,428 |
| Net charge-offs to loans | 0.2677% | 862 |
| Credit loss provision to net charge-offs | 158.1395% | 1,713 |
| Earnings coverage of net charge-offs (x) | 4.3954% | 3,274 |
| Efficiency ratio | 68.9145% | 3,056 |
| Assets per employee ($millions) | 5.4886% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 4,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 3,004 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.7721% | 1,238 |
| Net loans and leases to deposits | 85.4883% | 2,315 |
| Net loans and leases to core deposits | 94.4130% | 2,155 |
| Total domestic deposits to total assets | 90.9740% | 199 |
| Equity capital to assets | 8.4320% | 5,566 |
| Core capital (leverage) ratio | 8.4302% | 5,417 |
| Tier 1 risk-based capital ratio | 15.7597% | 2,720 |
| Total risk-based capital ratio | 17.0061% | 2,655 |
| Memoranda: | ||
| Average total assets | $27,628,750 | 5,813 |
| Average earning assets | $26,788,750 | 5,773 |
| Average equity | $2,280,000 | 5,881 |
| Average total loans | $21,414,250 | 5,521 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5671% | 4,689 |
| Cost of funding earning assets | 0.6763% | 914 |
| Net interest margin | 2.8909% | 5,285 |
| Noninterest income to average assets | 0.0217% | 5,969 |
| Noninterest expense to average assets | 1.9718% | 5,331 |
| Loan and lease loss provision to assets | 0.3250% | 525 |
| Net operating income to assets | 0.3106% | 5,293 |
| Return on assets (ROA) | 0.3106% | 5,383 |
| Pretax return on assets | 0.5345% | 5,060 |
| Return on Equity (ROE) | 3.7908% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.7908% | 3,478 |
| Net charge-offs to loans | 0.4025% | 565 |
| Credit loss provision to net charge-offs | 104.6512% | 2,034 |
| Earnings coverage of net charge-offs (x) | 2.7674% | 3,210 |
| Efficiency ratio | 69.6429% | 3,037 |
| Assets per employee ($millions) | 5.5122% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 4,967 |
| Loan loss allowance to noncurrent loans | 133.1034% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 1.1792% | 1,771 |
| Noncurrent loans to loans | 0.6738% | 3,048 |
| Net loans and leases to total assets | 77.3775% | 1,279 |
| Net loans and leases to deposits | 84.7312% | 2,380 |
| Net loans and leases to core deposits | 93.4982% | 2,212 |
| Total domestic deposits to total assets | 91.3211% | 135 |
| Equity capital to assets | 8.3016% | 5,695 |
| Core capital (leverage) ratio | 8.1604% | 5,623 |
| Tier 1 risk-based capital ratio | 15.5477% | 2,841 |
| Total risk-based capital ratio | 16.7980% | 2,778 |
| Memoranda: | ||
| Average total assets | $27,690,670 | 5,887 |
| Average earning assets | $26,912,330 | 5,844 |
| Average equity | $2,268,670 | 5,957 |
| Average total loans | $21,366,000 | 5,582 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5779% | 4,681 |
| Cost of funding earning assets | 0.6681% | 955 |
| Net interest margin | 2.9098% | 5,307 |
| Noninterest income to average assets | 0.0288% | 6,020 |
| Noninterest expense to average assets | 1.8303% | 5,612 |
| Loan and lease loss provision to assets | 0.3315% | 457 |
| Net operating income to assets | 0.3891% | 5,027 |
| Return on assets (ROA) | 0.3891% | 5,104 |
| Pretax return on assets | 0.6918% | 4,549 |
| Return on Equity (ROE) | 4.7809% | 4,588 |
| Retained earnings to average equity (ytd only) | 4.7809% | 3,075 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1414% | 4,101 |
| Assets per employee ($millions) | 7.0740% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 4,550 |
| Loan loss allowance to noncurrent loans | 401.8868% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.7846% | 2,737 |
| Noncurrent loans to loans | 0.2510% | 4,534 |
| Net loans and leases to total assets | 73.8585% | 1,746 |
| Net loans and leases to deposits | 80.6009% | 2,714 |
| Net loans and leases to core deposits | 88.6716% | 2,491 |
| Total domestic deposits to total assets | 91.6349% | 142 |
| Equity capital to assets | 8.0329% | 5,816 |
| Core capital (leverage) ratio | 8.0927% | 5,722 |
| Tier 1 risk-based capital ratio | 19.8031% | 1,545 |
| Total risk-based capital ratio | 21.0577% | 1,510 |
| Memoranda: | ||
| Average total assets | $27,755,500 | 5,946 |
| Average earning assets | $26,943,000 | 5,900 |
| Average equity | $2,259,000 | 6,019 |
| Average total loans | $21,289,500 | 5,633 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 4,188 |
| Cost of funding earning assets | 0.6461% | 1,091 |
| Net interest margin | 3.1058% | 4,885 |
| Noninterest income to average assets | -0.0113% | 6,121 |
| Noninterest expense to average assets | 2.0514% | 5,348 |
| Loan and lease loss provision to assets | 0.3394% | 452 |
| Net operating income to assets | 0.4374% | 4,930 |
| Return on assets (ROA) | 0.4374% | 5,009 |
| Pretax return on assets | 0.6071% | 4,814 |
| Return on Equity (ROE) | 5.3328% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.3328% | 2,183 |
| Net charge-offs to loans | 0.5279% | 485 |
| Credit loss provision to net charge-offs | 81.8182% | 2,914 |
| Earnings coverage of net charge-offs (x) | 2.2818% | 3,935 |
| Efficiency ratio | 68.4277% | 3,488 |
| Assets per employee ($millions) | 6.8038% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 5,121 |
| Loan loss allowance to noncurrent loans | 235.8025% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.9186% | 2,369 |
| Noncurrent loans to loans | 0.3773% | 4,096 |
| Net loans and leases to total assets | 78.1775% | 1,092 |
| Net loans and leases to deposits | 85.4218% | 2,195 |
| Net loans and leases to core deposits | 94.3629% | 2,018 |
| Total domestic deposits to total assets | 91.5194% | 174 |
| Equity capital to assets | 8.2491% | 5,737 |
| Core capital (leverage) ratio | 8.1497% | 5,735 |
| Tier 1 risk-based capital ratio | 17.3199% | 2,172 |
| Total risk-based capital ratio | 18.5697% | 2,130 |
| Memoranda: | ||
| Average total assets | $26,518,200 | 6,009 |
| Average earning assets | $25,693,800 | 5,973 |
| Average equity | $2,175,200 | 6,080 |
| Average total loans | $20,837,000 | 5,688 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7439% | 4,276 |
| Cost of funding earning assets | 0.6370% | 1,166 |
| Net interest margin | 3.1068% | 4,943 |
| Noninterest income to average assets | -0.0810% | 6,230 |
| Noninterest expense to average assets | 2.1307% | 5,215 |
| Loan and lease loss provision to assets | 0.3189% | 440 |
| Net operating income to assets | 0.3340% | 5,358 |
| Return on assets (ROA) | 0.3340% | 5,439 |
| Pretax return on assets | 0.4808% | 5,267 |
| Return on Equity (ROE) | 4.0783% | 5,001 |
| Retained earnings to average equity (ytd only) | 4.0783% | 3,556 |
| Net charge-offs to loans | 0.1805% | 1,400 |
| Credit loss provision to net charge-offs | 225.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 5.6432% | 3,174 |
| Efficiency ratio | 72.7116% | 2,763 |
| Assets per employee ($millions) | 6.8373% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 3,896 |
| Loan loss allowance to noncurrent loans | 59.8540% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 1.9964% | 1,029 |
| Noncurrent loans to loans | 1.9311% | 1,202 |
| Net loans and leases to total assets | 76.9205% | 1,258 |
| Net loans and leases to deposits | 84.2761% | 2,376 |
| Net loans and leases to core deposits | 89.1323% | 2,543 |
| Total domestic deposits to total assets | 91.2721% | 191 |
| Equity capital to assets | 8.0259% | 5,948 |
| Core capital (leverage) ratio | 7.9561% | 5,927 |
| Tier 1 risk-based capital ratio | 15.0291% | 3,275 |
| Total risk-based capital ratio | 16.2821% | 3,213 |
| Memoranda: | ||
| Average total assets | $26,344,000 | 6,095 |
| Average earning assets | $25,534,500 | 6,058 |
| Average equity | $2,157,750 | 6,165 |
| Average total loans | $20,679,500 | 5,761 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6900% | 4,434 |
| Cost of funding earning assets | 0.6348% | 1,198 |
| Net interest margin | 3.0552% | 5,077 |
| Noninterest income to average assets | -0.1230% | 6,310 |
| Noninterest expense to average assets | 2.1454% | 5,235 |
| Loan and lease loss provision to assets | 0.3076% | 488 |
| Net operating income to assets | 0.2768% | 5,511 |
| Return on assets (ROA) | 0.2768% | 5,595 |
| Pretax return on assets | 0.3845% | 5,504 |
| Return on Equity (ROE) | 3.3561% | 5,290 |
| Retained earnings to average equity (ytd only) | 3.3561% | 3,908 |
| Net charge-offs to loans | 0.2735% | 967 |
| Credit loss provision to net charge-offs | 142.8571% | 1,574 |
| Earnings coverage of net charge-offs (x) | 3.2143% | 3,221 |
| Efficiency ratio | 75.6098% | 2,431 |
| Assets per employee ($millions) | 6.6230% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 4,453 |
| Loan loss allowance to noncurrent loans | 83.5206% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.5174% | 1,616 |
| Noncurrent loans to loans | 1.2900% | 2,090 |
| Net loans and leases to total assets | 77.2837% | 1,168 |
| Net loans and leases to deposits | 84.5719% | 2,243 |
| Net loans and leases to core deposits | 87.6868% | 2,583 |
| Total domestic deposits to total assets | 91.3823% | 216 |
| Equity capital to assets | 8.1723% | 5,899 |
| Core capital (leverage) ratio | 8.0528% | 5,904 |
| Tier 1 risk-based capital ratio | 15.2047% | 3,246 |
| Total risk-based capital ratio | 16.4548% | 3,183 |
| Memoranda: | ||
| Average total assets | $26,009,000 | 6,170 |
| Average earning assets | $25,203,000 | 6,128 |
| Average equity | $2,145,330 | 6,240 |
| Average total loans | $20,478,330 | 5,826 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6285% | 4,602 |
| Cost of funding earning assets | 0.6422% | 1,170 |
| Net interest margin | 2.9863% | 5,255 |
| Noninterest income to average assets | -0.1552% | 6,373 |
| Noninterest expense to average assets | 2.2199% | 5,094 |
| Loan and lease loss provision to assets | 0.2794% | 546 |
| Net operating income to assets | 0.2018% | 5,684 |
| Return on assets (ROA) | 0.2018% | 5,771 |
| Pretax return on assets | 0.2329% | 5,781 |
| Return on Equity (ROE) | 2.4350% | 5,561 |
| Retained earnings to average equity (ytd only) | 2.4350% | 4,478 |
| Net charge-offs to loans | 0.2553% | 939 |
| Credit loss provision to net charge-offs | 138.4615% | 1,316 |
| Earnings coverage of net charge-offs (x) | 2.5385% | 2,739 |
| Efficiency ratio | 81.2500% | 1,722 |
| Assets per employee ($millions) | 6.7058% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 4,695 |
| Loan loss allowance to noncurrent loans | 38.5027% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 2.5948% | 806 |
| Noncurrent loans to loans | 2.7604% | 841 |
| Net loans and leases to total assets | 74.9618% | 1,362 |
| Net loans and leases to deposits | 81.8189% | 2,357 |
| Net loans and leases to core deposits | 84.7860% | 2,684 |
| Total domestic deposits to total assets | 91.6191% | 206 |
| Equity capital to assets | 7.9857% | 6,033 |
| Core capital (leverage) ratio | 8.0384% | 5,918 |
| Tier 1 risk-based capital ratio | 15.0326% | 3,412 |
| Total risk-based capital ratio | 16.2818% | 3,346 |
| Memoranda: | ||
| Average total assets | $25,767,500 | 6,244 |
| Average earning assets | $24,914,000 | 6,196 |
| Average equity | $2,135,500 | 6,308 |
| Average total loans | $20,369,000 | 5,880 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8703% | 4,243 |
| Cost of funding earning assets | 0.6305% | 1,546 |
| Net interest margin | 3.2398% | 4,792 |
| Noninterest income to average assets | -0.1480% | 6,468 |
| Noninterest expense to average assets | 2.1326% | 5,505 |
| Loan and lease loss provision to assets | 0.3601% | 522 |
| Net operating income to assets | 0.3241% | 5,456 |
| Return on assets (ROA) | 0.3241% | 5,526 |
| Pretax return on assets | 0.4841% | 5,289 |
| Return on Equity (ROE) | 3.8905% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.8905% | 3,447 |
| Net charge-offs to loans | 0.2243% | 1,871 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 4.6889% | 3,585 |
| Efficiency ratio | 71.6398% | 3,270 |
| Assets per employee ($millions) | 6.1780% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 4,886 |
| Loan loss allowance to noncurrent loans | 25.7631% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 3.8605% | 449 |
| Noncurrent loans to loans | 4.0118% | 460 |
| Net loans and leases to total assets | 81.7579% | 547 |
| Net loans and leases to deposits | 89.6640% | 1,550 |
| Net loans and leases to core deposits | 93.2220% | 1,972 |
| Total domestic deposits to total assets | 91.1824% | 310 |
| Equity capital to assets | 8.6152% | 5,637 |
| Core capital (leverage) ratio | 8.3635% | 5,707 |
| Tier 1 risk-based capital ratio | 15.5401% | 3,214 |
| Total risk-based capital ratio | 16.7956% | 3,142 |
| Memoranda: | ||
| Average total assets | $24,993,200 | 6,340 |
| Average earning assets | $24,106,600 | 6,290 |
| Average equity | $2,082,000 | 6,393 |
| Average total loans | $20,059,800 | 5,955 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 4,380 |
| Cost of funding earning assets | 0.6182% | 1,689 |
| Net interest margin | 3.2291% | 4,864 |
| Noninterest income to average assets | -0.2341% | 6,559 |
| Noninterest expense to average assets | 2.1970% | 5,359 |
| Loan and lease loss provision to assets | 0.2341% | 942 |
| Net operating income to assets | 0.2713% | 5,675 |
| Return on assets (ROA) | 0.2713% | 5,741 |
| Pretax return on assets | 0.4469% | 5,477 |
| Return on Equity (ROE) | 3.2846% | 5,435 |
| Retained earnings to average equity (ytd only) | 3.2846% | 4,284 |
| Net charge-offs to loans | 0.3004% | 1,318 |
| Credit loss provision to net charge-offs | 97.7778% | 2,280 |
| Earnings coverage of net charge-offs (x) | 2.8443% | 3,812 |
| Efficiency ratio | 76.3401% | 2,435 |
| Assets per employee ($millions) | 6.2450% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 5,847 |
| Loan loss allowance to noncurrent loans | 26.4000% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 3.2506% | 687 |
| Noncurrent loans to loans | 3.0706% | 860 |
| Net loans and leases to total assets | 80.8207% | 632 |
| Net loans and leases to deposits | 88.7897% | 1,577 |
| Net loans and leases to core deposits | 89.9768% | 2,229 |
| Total domestic deposits to total assets | 91.0248% | 357 |
| Equity capital to assets | 8.4027% | 5,871 |
| Core capital (leverage) ratio | 8.3353% | 5,820 |
| Tier 1 risk-based capital ratio | 15.0175% | 3,574 |
| Total risk-based capital ratio | 16.1980% | 3,544 |
| Memoranda: | ||
| Average total assets | $25,063,500 | 6,414 |
| Average earning assets | $24,154,500 | 6,368 |
| Average equity | $2,070,250 | 6,469 |
| Average total loans | $19,971,000 | 6,028 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7408% | 4,729 |
| Cost of funding earning assets | 0.6193% | 1,736 |
| Net interest margin | 3.1215% | 5,188 |
| Noninterest income to average assets | -0.2471% | 6,633 |
| Noninterest expense to average assets | 2.2797% | 5,201 |
| Loan and lease loss provision to assets | 0.2312% | 989 |
| Net operating income to assets | 0.1594% | 5,933 |
| Return on assets (ROA) | 0.1594% | 5,971 |
| Pretax return on assets | 0.2551% | 5,860 |
| Return on Equity (ROE) | 1.9411% | 5,850 |
| Retained earnings to average equity (ytd only) | 1.9411% | 4,911 |
| Net charge-offs to loans | 0.4536% | 893 |
| Credit loss provision to net charge-offs | 64.4444% | 2,569 |
| Earnings coverage of net charge-offs (x) | 1.3556% | 3,832 |
| Efficiency ratio | 82.4207% | 1,700 |
| Assets per employee ($millions) | 5.0370% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7448% | 6,097 |
| Loan loss allowance to noncurrent loans | 45.3172% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 2.1640% | 1,422 |
| Noncurrent loans to loans | 1.6436% | 2,118 |
| Net loans and leases to total assets | 79.3687% | 759 |
| Net loans and leases to deposits | 86.8219% | 1,735 |
| Net loans and leases to core deposits | 87.9681% | 2,321 |
| Total domestic deposits to total assets | 91.4155% | 281 |
| Equity capital to assets | 8.2112% | 6,018 |
| Core capital (leverage) ratio | 8.2112% | 5,919 |
| Tier 1 risk-based capital ratio | 14.9379% | 3,674 |
| Total risk-based capital ratio | 16.0214% | 3,717 |
| Memoranda: | ||
| Average total assets | $25,091,330 | 6,480 |
| Average earning assets | $24,219,330 | 6,429 |
| Average equity | $2,060,670 | 6,529 |
| Average total loans | $19,843,330 | 6,083 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 4,871 |
| Cost of funding earning assets | 0.6293% | 1,743 |
| Net interest margin | 3.0637% | 5,351 |
| Noninterest income to average assets | -0.4791% | 6,712 |
| Noninterest expense to average assets | 1.8687% | 6,111 |
| Loan and lease loss provision to assets | 0.2236% | 1,005 |
| Net operating income to assets | 0.2875% | 5,543 |
| Return on assets (ROA) | 0.2875% | 5,586 |
| Pretax return on assets | 0.3833% | 5,503 |
| Return on Equity (ROE) | 3.5002% | 5,267 |
| Retained earnings to average equity (ytd only) | 3.5002% | 4,031 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8387% | 2,992 |
| Assets per employee ($millions) | 6.2745% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 5,839 |
| Loan loss allowance to noncurrent loans | 58.6319% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 2.3906% | 1,360 |
| Noncurrent loans to loans | 1.5523% | 2,486 |
| Net loans and leases to total assets | 78.0819% | 766 |
| Net loans and leases to deposits | 85.4198% | 1,674 |
| Net loans and leases to core deposits | 86.5515% | 2,260 |
| Total domestic deposits to total assets | 91.4097% | 410 |
| Equity capital to assets | 8.2317% | 5,882 |
| Core capital (leverage) ratio | 8.2317% | 5,910 |
| Tier 1 risk-based capital ratio | 15.0025% | 3,711 |
| Total risk-based capital ratio | 16.2515% | 3,660 |
| Memoranda: | ||
| Average total assets | $25,044,500 | 6,550 |
| Average earning assets | $24,154,000 | 6,494 |
| Average equity | $2,057,000 | 6,593 |
| Average total loans | $19,695,500 | 6,146 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,983 |
| Cost of funding earning assets | 0.7258% | 1,643 |
| Net interest margin | 3.3037% | 4,654 |
| Noninterest income to average assets | -0.2861% | 6,775 |
| Noninterest expense to average assets | 1.8891% | 6,204 |
| Loan and lease loss provision to assets | 0.1920% | 1,924 |
| Net operating income to assets | 0.5056% | 4,708 |
| Return on assets (ROA) | 0.5056% | 4,840 |
| Pretax return on assets | 0.7368% | 4,393 |
| Return on Equity (ROE) | 6.4301% | 3,862 |
| Retained earnings to average equity (ytd only) | 6.4301% | 1,725 |
| Net charge-offs to loans | 0.4083% | 1,650 |
| Credit loss provision to net charge-offs | 62.8205% | 3,480 |
| Earnings coverage of net charge-offs (x) | 3.0385% | 3,981 |
| Efficiency ratio | 66.4812% | 4,473 |
| Assets per employee ($millions) | 6.2478% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8463% | 6,066 |
| Loan loss allowance to noncurrent loans | 29.9639% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 3.3892% | 886 |
| Noncurrent loans to loans | 2.8245% | 1,242 |
| Net loans and leases to total assets | 77.8200% | 847 |
| Net loans and leases to deposits | 88.8523% | 1,371 |
| Net loans and leases to core deposits | 90.0871% | 2,011 |
| Total domestic deposits to total assets | 87.5835% | 2,428 |
| Equity capital to assets | 8.1950% | 5,877 |
| Core capital (leverage) ratio | 8.1950% | 5,981 |
| Tier 1 risk-based capital ratio | 15.0125% | 3,659 |
| Total risk-based capital ratio | 16.2293% | 3,623 |
| Memoranda: | ||
| Average total assets | $25,514,400 | 6,616 |
| Average earning assets | $23,973,000 | 6,575 |
| Average equity | $2,006,200 | 6,684 |
| Average total loans | $19,103,800 | 6,250 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 3,990 |
| Cost of funding earning assets | 0.7462% | 1,627 |
| Net interest margin | 3.2912% | 4,676 |
| Noninterest income to average assets | -0.0572% | 6,793 |
| Noninterest expense to average assets | 1.7937% | 6,346 |
| Loan and lease loss provision to assets | 0.0728% | 3,603 |
| Net operating income to assets | 0.7383% | 3,659 |
| Return on assets (ROA) | 0.7383% | 3,789 |
| Pretax return on assets | 1.1490% | 2,900 |
| Return on Equity (ROE) | 9.4867% | 2,401 |
| Retained earnings to average equity (ytd only) | 9.4867% | 910 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9655% | 5,561 |
| Assets per employee ($millions) | 6.3365% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 5,359 |
| Loan loss allowance to noncurrent loans | 52.8536% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 3.0892% | 1,190 |
| Noncurrent loans to loans | 2.0684% | 2,172 |
| Net loans and leases to total assets | 76.0317% | 1,000 |
| Net loans and leases to deposits | 83.6016% | 1,924 |
| Net loans and leases to core deposits | 84.7040% | 2,575 |
| Total domestic deposits to total assets | 90.9453% | 557 |
| Equity capital to assets | 8.1354% | 6,059 |
| Core capital (leverage) ratio | 8.1354% | 6,125 |
| Tier 1 risk-based capital ratio | 15.1051% | 3,682 |
| Total risk-based capital ratio | 15.1051% | 4,483 |
| Memoranda: | ||
| Average total assets | $25,645,250 | 6,689 |
| Average earning assets | $23,942,000 | 6,655 |
| Average equity | $1,995,750 | 6,770 |
| Average total loans | $18,976,250 | 6,319 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9955% | 4,129 |
| Cost of funding earning assets | 0.7690% | 1,591 |
| Net interest margin | 3.2265% | 4,851 |
| Noninterest income to average assets | 0.0311% | 6,725 |
| Noninterest expense to average assets | 1.7246% | 6,476 |
| Loan and lease loss provision to assets | 0.0621% | 3,768 |
| Net operating income to assets | 0.8235% | 3,176 |
| Return on assets (ROA) | 0.8235% | 3,336 |
| Pretax return on assets | 1.2430% | 2,503 |
| Return on Equity (ROE) | 10.7414% | 1,910 |
| Retained earnings to average equity (ytd only) | 10.7414% | 696 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9231% | 5,863 |
| Assets per employee ($millions) | 6.4518% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 5,463 |
| Loan loss allowance to noncurrent loans | 33.2797% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 3.7703% | 974 |
| Noncurrent loans to loans | 3.2947% | 1,325 |
| Net loans and leases to total assets | 72.3525% | 1,518 |
| Net loans and leases to deposits | 79.0416% | 2,451 |
| Net loans and leases to core deposits | 80.9258% | 2,920 |
| Total domestic deposits to total assets | 91.5372% | 366 |
| Equity capital to assets | 7.8506% | 6,296 |
| Core capital (leverage) ratio | 7.8506% | 6,279 |
| Tier 1 risk-based capital ratio | 15.5452% | 3,455 |
| Total risk-based capital ratio | 15.5452% | 4,181 |
| Memoranda: | ||
| Average total assets | $25,745,000 | 6,737 |
| Average earning assets | $23,926,670 | 6,705 |
| Average equity | $1,973,670 | 6,821 |
| Average total loans | $18,807,000 | 6,363 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8774% | 4,561 |
| Cost of funding earning assets | 0.8333% | 1,347 |
| Net interest margin | 3.0441% | 5,453 |
| Noninterest income to average assets | 0.2956% | 5,341 |
| Noninterest expense to average assets | 1.7111% | 6,546 |
| Loan and lease loss provision to assets | 0.0311% | 4,061 |
| Net operating income to assets | 0.8867% | 2,715 |
| Return on assets (ROA) | 0.8867% | 2,859 |
| Pretax return on assets | 1.3378% | 2,085 |
| Return on Equity (ROE) | 11.7073% | 1,498 |
| Retained earnings to average equity (ytd only) | 11.7073% | 745 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5556% | 6,101 |
| Assets per employee ($millions) | 8.7960% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 5,755 |
| Loan loss allowance to noncurrent loans | 72.6937% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 2.3571% | 1,973 |
| Noncurrent loans to loans | 1.4577% | 3,379 |
| Net loans and leases to total assets | 69.7059% | 1,712 |
| Net loans and leases to deposits | 75.7922% | 2,668 |
| Net loans and leases to core deposits | 77.5496% | 3,128 |
| Total domestic deposits to total assets | 91.9698% | 252 |
| Equity capital to assets | 7.4883% | 6,597 |
| Core capital (leverage) ratio | 7.4883% | 6,476 |
| Tier 1 risk-based capital ratio | 17.0565% | 2,718 |
| Total risk-based capital ratio | 18.3082% | 2,696 |
| Memoranda: | ||
| Average total assets | $25,714,000 | 6,803 |
| Average earning assets | $23,521,000 | 6,774 |
| Average equity | $1,947,500 | 6,889 |
| Average total loans | $18,771,000 | 6,419 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3231% | 4,112 |
| Cost of funding earning assets | 1.0468% | 1,136 |
| Net interest margin | 3.2763% | 5,334 |
| Noninterest income to average assets | -0.0581% | 6,893 |
| Noninterest expense to average assets | 1.6164% | 6,791 |
| Loan and lease loss provision to assets | 0.1706% | 3,487 |
| Net operating income to assets | 0.7016% | 3,732 |
| Return on assets (ROA) | 0.7016% | 3,983 |
| Pretax return on assets | 1.2365% | 2,652 |
| Return on Equity (ROE) | 9.8007% | 2,260 |
| Retained earnings to average equity (ytd only) | 9.8007% | 630 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9487% | 6,376 |
| Assets per employee ($millions) | 8.3467% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 5,861 |
| Loan loss allowance to noncurrent loans | 96.5347% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 2.2085% | 2,218 |
| Noncurrent loans to loans | 1.0659% | 4,074 |
| Net loans and leases to total assets | 74.9042% | 1,064 |
| Net loans and leases to deposits | 81.4841% | 2,077 |
| Net loans and leases to core deposits | 82.5601% | 2,710 |
| Total domestic deposits to total assets | 91.9249% | 256 |
| Equity capital to assets | 7.6637% | 6,567 |
| Core capital (leverage) ratio | 7.6637% | 6,427 |
| Tier 1 risk-based capital ratio | 16.4820% | 2,903 |
| Total risk-based capital ratio | 17.7446% | 2,866 |
| Memoranda: | ||
| Average total assets | $25,797,600 | 6,847 |
| Average earning assets | $24,265,000 | 6,810 |
| Average equity | $1,846,800 | 6,974 |
| Average total loans | $17,990,000 | 6,509 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 5,341 |
| Cost of funding earning assets | 1.0783% | 1,154 |
| Net interest margin | 2.9776% | 6,211 |
| Noninterest income to average assets | 0.5746% | 3,444 |
| Noninterest expense to average assets | 1.9548% | 6,437 |
| Loan and lease loss provision to assets | 0.0924% | 4,442 |
| Net operating income to assets | 0.9851% | 2,584 |
| Return on assets (ROA) | 0.9851% | 2,813 |
| Pretax return on assets | 1.3185% | 2,529 |
| Return on Equity (ROE) | 13.9981% | 1,113 |
| Retained earnings to average equity (ytd only) | 13.9981% | 302 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0793% | 5,780 |
| Assets per employee ($millions) | 8.5560% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 6,335 |
| Loan loss allowance to noncurrent loans | 156.4815% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 2.1466% | 2,497 |
| Noncurrent loans to loans | 0.5860% | 5,268 |
| Net loans and leases to total assets | 71.1431% | 1,703 |
| Net loans and leases to deposits | 77.4001% | 2,746 |
| Net loans and leases to core deposits | 78.4138% | 3,403 |
| Total domestic deposits to total assets | 91.9160% | 218 |
| Equity capital to assets | 7.5191% | 6,772 |
| Core capital (leverage) ratio | 7.5191% | 6,612 |
| Tier 1 risk-based capital ratio | 16.8382% | 2,819 |
| Total risk-based capital ratio | 18.1469% | 2,747 |
| Memoranda: | ||
| Average total assets | $25,987,000 | 6,929 |
| Average earning assets | $24,359,000 | 6,891 |
| Average equity | $1,828,750 | 7,070 |
| Average total loans | $17,749,750 | 6,607 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 5,733 |
| Cost of funding earning assets | 1.1134% | 1,158 |
| Net interest margin | 2.8561% | 6,487 |
| Noninterest income to average assets | 0.4752% | 4,093 |
| Noninterest expense to average assets | 1.9622% | 6,499 |
| Loan and lease loss provision to assets | 0.0920% | 4,413 |
| Net operating income to assets | 0.8508% | 3,134 |
| Return on assets (ROA) | 0.8508% | 3,409 |
| Pretax return on assets | 1.1344% | 3,172 |
| Return on Equity (ROE) | 12.3677% | 1,551 |
| Retained earnings to average equity (ytd only) | 12.3677% | 523 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5385% | 5,322 |
| Assets per employee ($millions) | 8.6517% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 6,441 |
| Loan loss allowance to noncurrent loans | 45.1524% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 3.4598% | 1,544 |
| Noncurrent loans to loans | 2.0012% | 2,947 |
| Net loans and leases to total assets | 68.8730% | 2,128 |
| Net loans and leases to deposits | 74.3842% | 3,230 |
| Net loans and leases to core deposits | 75.3245% | 3,837 |
| Total domestic deposits to total assets | 92.5910% | 152 |
| Equity capital to assets | 7.1277% | 6,882 |
| Core capital (leverage) ratio | 7.1277% | 6,778 |
| Tier 1 risk-based capital ratio | 16.4914% | 2,918 |
| Total risk-based capital ratio | 17.8285% | 2,831 |
| Memoranda: | ||
| Average total assets | $26,093,330 | 6,984 |
| Average earning assets | $24,789,330 | 6,940 |
| Average equity | $1,795,000 | 7,129 |
| Average total loans | $17,523,000 | 6,671 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2675% | 4,860 |
| Cost of funding earning assets | 1.1668% | 1,120 |
| Net interest margin | 3.1007% | 6,037 |
| Noninterest income to average assets | 0.1070% | 6,704 |
| Noninterest expense to average assets | 1.7888% | 6,804 |
| Loan and lease loss provision to assets | 0.0917% | 4,207 |
| Net operating income to assets | 0.9021% | 2,902 |
| Return on assets (ROA) | 0.9021% | 3,130 |
| Pretax return on assets | 1.1925% | 2,937 |
| Return on Equity (ROE) | 13.3522% | 1,314 |
| Retained earnings to average equity (ytd only) | 13.3522% | 637 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2090% | 5,885 |
| Assets per employee ($millions) | 8.8263% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8983% | 6,537 |
| Loan loss allowance to noncurrent loans | 82.6316% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 2.7154% | 2,171 |
| Noncurrent loans to loans | 1.0871% | 4,516 |
| Net loans and leases to total assets | 65.4141% | 2,576 |
| Net loans and leases to deposits | 70.4822% | 3,657 |
| Net loans and leases to core deposits | 71.3532% | 4,245 |
| Total domestic deposits to total assets | 92.8094% | 154 |
| Equity capital to assets | 6.7865% | 6,968 |
| Core capital (leverage) ratio | 6.7865% | 6,909 |
| Tier 1 risk-based capital ratio | 15.9323% | 3,209 |
| Total risk-based capital ratio | 17.2710% | 3,131 |
| Memoranda: | ||
| Average total assets | $26,162,500 | 7,043 |
| Average earning assets | $25,026,500 | 6,978 |
| Average equity | $1,767,500 | 7,187 |
| Average total loans | $17,265,000 | 6,740 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2040% | 6,038 |
| Cost of funding earning assets | 1.3176% | 1,398 |
| Net interest margin | 2.8864% | 6,711 |
| Noninterest income to average assets | 0.0400% | 6,874 |
| Noninterest expense to average assets | 1.6240% | 7,104 |
| Loan and lease loss provision to assets | 0.4880% | 2,167 |
| Net operating income to assets | 0.4960% | 4,443 |
| Return on assets (ROA) | 0.4960% | 4,656 |
| Pretax return on assets | 0.7320% | 4,217 |
| Return on Equity (ROE) | 7.2881% | 3,253 |
| Retained earnings to average equity (ytd only) | 7.2881% | 1,369 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1027% | 6,175 |
| Assets per employee ($millions) | 8.6153% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8855% | 6,567 |
| Loan loss allowance to noncurrent loans | 22.9483% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 4.5926% | 1,190 |
| Noncurrent loans to loans | 3.8588% | 1,630 |
| Net loans and leases to total assets | 65.3912% | 2,902 |
| Net loans and leases to deposits | 73.3073% | 3,616 |
| Net loans and leases to core deposits | 81.2783% | 3,290 |
| Total domestic deposits to total assets | 89.2014% | 1,421 |
| Equity capital to assets | 6.7244% | 7,020 |
| Core capital (leverage) ratio | 6.7244% | 6,938 |
| Tier 1 risk-based capital ratio | 14.3589% | 4,074 |
| Total risk-based capital ratio | 15.6064% | 4,046 |
| Memoranda: | ||
| Average total assets | $25,000,600 | 7,103 |
| Average earning assets | $24,286,600 | 7,031 |
| Average equity | $1,701,400 | 7,254 |
| Average total loans | $16,795,800 | 6,811 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2168% | 6,168 |
| Cost of funding earning assets | 1.3505% | 1,449 |
| Net interest margin | 2.8664% | 6,806 |
| Noninterest income to average assets | 0.0538% | 6,943 |
| Noninterest expense to average assets | 1.6673% | 7,127 |
| Loan and lease loss provision to assets | 0.0968% | 5,247 |
| Net operating income to assets | 0.8068% | 3,126 |
| Return on assets (ROA) | 0.8068% | 3,291 |
| Pretax return on assets | 1.0865% | 3,065 |
| Return on Equity (ROE) | 11.8186% | 1,590 |
| Retained earnings to average equity (ytd only) | 11.8186% | 516 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4906% | 5,939 |
| Assets per employee ($millions) | 8.4700% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 6,585 |
| Loan loss allowance to noncurrent loans | 33.0490% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 2.9004% | 2,231 |
| Noncurrent loans to loans | 2.7350% | 2,560 |
| Net loans and leases to total assets | 66.8752% | 2,697 |
| Net loans and leases to deposits | 75.5345% | 3,405 |
| Net loans and leases to core deposits | 80.7192% | 3,529 |
| Total domestic deposits to total assets | 88.5360% | 1,733 |
| Equity capital to assets | 6.9421% | 7,063 |
| Core capital (leverage) ratio | 6.9421% | 6,976 |
| Tier 1 risk-based capital ratio | 14.7172% | 3,826 |
| Total risk-based capital ratio | 15.9603% | 3,809 |
| Memoranda: | ||
| Average total assets | $24,789,250 | 7,179 |
| Average earning assets | $24,188,000 | 7,105 |
| Average equity | $1,692,250 | 7,329 |
| Average total loans | $16,731,750 | 6,881 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 6,077 |
| Cost of funding earning assets | 1.3963% | 1,441 |
| Net interest margin | 2.8841% | 6,818 |
| Noninterest income to average assets | 0.1709% | 6,438 |
| Noninterest expense to average assets | 1.6272% | 7,238 |
| Loan and lease loss provision to assets | 0.0976% | 5,101 |
| Net operating income to assets | 0.9438% | 2,463 |
| Return on assets (ROA) | 0.9438% | 2,555 |
| Pretax return on assets | 1.2692% | 2,241 |
| Return on Equity (ROE) | 13.9061% | 999 |
| Retained earnings to average equity (ytd only) | 13.9061% | 322 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3478% | 6,588 |
| Assets per employee ($millions) | 8.3583% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8843% | 6,700 |
| Loan loss allowance to noncurrent loans | 26.4654% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 2.4487% | 2,716 |
| Noncurrent loans to loans | 3.3414% | 2,138 |
| Net loans and leases to total assets | 66.6002% | 2,911 |
| Net loans and leases to deposits | 75.0258% | 3,644 |
| Net loans and leases to core deposits | 81.9029% | 3,510 |
| Total domestic deposits to total assets | 88.7697% | 1,684 |
| Equity capital to assets | 6.8993% | 7,124 |
| Core capital (leverage) ratio | 6.8993% | 7,032 |
| Tier 1 risk-based capital ratio | 14.8740% | 3,569 |
| Total risk-based capital ratio | 16.1293% | 3,533 |
| Memoranda: | ||
| Average total assets | $24,582,330 | 7,254 |
| Average earning assets | $24,063,000 | 7,175 |
| Average equity | $1,668,330 | 7,402 |
| Average total loans | $16,593,000 | 6,955 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2823% | 6,059 |
| Cost of funding earning assets | 1.4442% | 1,414 |
| Net interest margin | 2.8381% | 6,851 |
| Noninterest income to average assets | 0.0657% | 7,062 |
| Noninterest expense to average assets | 1.7094% | 7,218 |
| Loan and lease loss provision to assets | 0.0986% | 4,774 |
| Net operating income to assets | 0.7725% | 3,158 |
| Return on assets (ROA) | 0.7725% | 3,229 |
| Pretax return on assets | 1.0355% | 3,002 |
| Return on Equity (ROE) | 11.4809% | 1,605 |
| Retained earnings to average equity (ytd only) | 11.4809% | 814 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1156% | 5,968 |
| Assets per employee ($millions) | 8.2857% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 6,780 |
| Loan loss allowance to noncurrent loans | 35.6608% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 1.6132% | 3,823 |
| Noncurrent loans to loans | 2.4377% | 3,053 |
| Net loans and leases to total assets | 65.6033% | 3,112 |
| Net loans and leases to deposits | 70.7953% | 4,225 |
| Net loans and leases to core deposits | 76.0943% | 4,287 |
| Total domestic deposits to total assets | 92.6660% | 165 |
| Equity capital to assets | 6.6822% | 7,170 |
| Core capital (leverage) ratio | 6.6822% | 7,123 |
| Tier 1 risk-based capital ratio | 14.5791% | 3,688 |
| Total risk-based capital ratio | 15.8343% | 3,643 |
| Memoranda: | ||
| Average total assets | $24,336,000 | 7,307 |
| Average earning assets | $23,819,000 | 7,235 |
| Average equity | $1,637,500 | 7,459 |
| Average total loans | $16,465,000 | 7,013 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7172% | 5,747 |
| Cost of funding earning assets | 1.7947% | 1,190 |
| Net interest margin | 2.9225% | 6,866 |
| Noninterest income to average assets | 0.2012% | 6,342 |
| Noninterest expense to average assets | 2.1517% | 6,726 |
| Loan and lease loss provision to assets | 0.0831% | 6,321 |
| Net operating income to assets | 0.4898% | 4,150 |
| Return on assets (ROA) | 0.4898% | 4,305 |
| Pretax return on assets | 0.8222% | 3,563 |
| Return on Equity (ROE) | 7.1048% | 3,063 |
| Retained earnings to average equity (ytd only) | 7.1048% | 1,276 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3863% | 4,095 |
| Assets per employee ($millions) | 7.9383% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8313% | 6,903 |
| Loan loss allowance to noncurrent loans | 27.7890% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 2.0701% | 3,262 |
| Noncurrent loans to loans | 2.9915% | 2,560 |
| Net loans and leases to total assets | 68.6248% | 2,830 |
| Net loans and leases to deposits | 74.0407% | 4,183 |
| Net loans and leases to core deposits | 78.7956% | 4,367 |
| Total domestic deposits to total assets | 92.6853% | 166 |
| Equity capital to assets | 6.7772% | 7,185 |
| Core capital (leverage) ratio | 6.7772% | 7,120 |
| Tier 1 risk-based capital ratio | 14.4365% | 3,595 |
| Total risk-based capital ratio | 15.6619% | 3,563 |
| Memoranda: | ||
| Average total assets | $22,865,400 | 7,399 |
| Average earning assets | $22,343,800 | 7,338 |
| Average equity | $1,576,400 | 7,573 |
| Average total loans | $16,193,800 | 7,112 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7478% | 5,862 |
| Cost of funding earning assets | 1.8581% | 1,172 |
| Net interest margin | 2.8897% | 7,021 |
| Noninterest income to average assets | 0.1768% | 6,616 |
| Noninterest expense to average assets | 1.8737% | 7,242 |
| Loan and lease loss provision to assets | 0.0766% | 6,278 |
| Net operating income to assets | 0.7719% | 3,125 |
| Return on assets (ROA) | 0.7719% | 3,277 |
| Pretax return on assets | 1.0488% | 3,001 |
| Return on Equity (ROE) | 11.1461% | 1,738 |
| Retained earnings to average equity (ytd only) | 11.1461% | 585 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4754% | 5,525 |
| Assets per employee ($millions) | 7.7923% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 7,028 |
| Loan loss allowance to noncurrent loans | 25.1923% | 6,626 |
| Noncurrent assets plus other real estate owned to assets | 2.2672% | 3,122 |
| Noncurrent loans to loans | 3.1348% | 2,543 |
| Net loans and leases to total assets | 70.3983% | 2,639 |
| Net loans and leases to deposits | 76.4127% | 4,098 |
| Net loans and leases to core deposits | 82.6653% | 4,138 |
| Total domestic deposits to total assets | 92.1290% | 173 |
| Equity capital to assets | 6.9855% | 7,347 |
| Core capital (leverage) ratio | 6.9855% | 7,175 |
| Tier 1 risk-based capital ratio | 14.4309% | 3,547 |
| Total risk-based capital ratio | 15.5885% | 3,565 |
| Memoranda: | ||
| Average total assets | $22,628,000 | 7,498 |
| Average earning assets | $22,101,000 | 7,442 |
| Average equity | $1,567,000 | 7,677 |
| Average total loans | $16,122,250 | 7,205 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7875% | 5,836 |
| Cost of funding earning assets | 1.9498% | 1,044 |
| Net interest margin | 2.8377% | 7,093 |
| Noninterest income to average assets | 0.1877% | 6,561 |
| Noninterest expense to average assets | 1.8321% | 7,356 |
| Loan and lease loss provision to assets | 0.0715% | 6,229 |
| Net operating income to assets | 0.7597% | 3,150 |
| Return on assets (ROA) | 0.7597% | 3,306 |
| Pretax return on assets | 1.0546% | 2,917 |
| Return on Equity (ROE) | 11.0032% | 1,758 |
| Retained earnings to average equity (ytd only) | 11.0032% | 660 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9335% | 5,701 |
| Assets per employee ($millions) | 7.5050% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7720% | 7,093 |
| Loan loss allowance to noncurrent loans | 315.0000% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 6,944 |
| Noncurrent loans to loans | 0.2451% | 6,744 |
| Net loans and leases to total assets | 71.9298% | 2,419 |
| Net loans and leases to deposits | 77.7596% | 4,030 |
| Net loans and leases to core deposits | 77.7596% | 4,993 |
| Total domestic deposits to total assets | 92.5028% | 151 |
| Equity capital to assets | 7.0486% | 7,329 |
| Core capital (leverage) ratio | 7.0486% | 7,159 |
| Tier 1 risk-based capital ratio | 14.4945% | 3,446 |
| Total risk-based capital ratio | 15.6453% | 3,464 |
| Memoranda: | ||
| Average total assets | $22,378,330 | 7,571 |
| Average earning assets | $21,848,670 | 7,508 |
| Average equity | $1,545,000 | 7,746 |
| Average total loans | $15,967,000 | 7,260 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7855% | 5,941 |
| Cost of funding earning assets | 2.0246% | 1,014 |
| Net interest margin | 2.7608% | 7,237 |
| Noninterest income to average assets | 0.1614% | 6,819 |
| Noninterest expense to average assets | 1.7391% | 7,536 |
| Loan and lease loss provision to assets | 0.0359% | 6,320 |
| Net operating income to assets | 0.7889% | 3,017 |
| Return on assets (ROA) | 0.7889% | 3,132 |
| Pretax return on assets | 1.0758% | 2,822 |
| Return on Equity (ROE) | 11.5486% | 1,626 |
| Retained earnings to average equity (ytd only) | 11.5486% | 822 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0063% | 6,004 |
| Assets per employee ($millions) | 7.5787% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 7,234 |
| Loan loss allowance to noncurrent loans | 39.6040% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 1.3327% | 4,522 |
| Noncurrent loans to loans | 1.9058% | 3,916 |
| Net loans and leases to total assets | 69.4010% | 3,071 |
| Net loans and leases to deposits | 74.9810% | 4,587 |
| Net loans and leases to core deposits | 74.9810% | 5,389 |
| Total domestic deposits to total assets | 92.5581% | 161 |
| Equity capital to assets | 6.7998% | 7,451 |
| Core capital (leverage) ratio | 6.7998% | 7,354 |
| Tier 1 risk-based capital ratio | 14.0597% | 3,617 |
| Total risk-based capital ratio | 15.1510% | 3,684 |
| Memoranda: | ||
| Average total assets | $22,310,000 | 7,670 |
| Average earning assets | $21,732,500 | 7,602 |
| Average equity | $1,524,000 | 7,836 |
| Average total loans | $15,790,000 | 7,360 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1883% | 5,702 |
| Cost of funding earning assets | 2.5547% | 887 |
| Net interest margin | 2.6336% | 7,300 |
| Noninterest income to average assets | 0.0096% | 7,662 |
| Noninterest expense to average assets | 1.8708% | 7,543 |
| Loan and lease loss provision to assets | 0.1154% | 6,489 |
| Net operating income to assets | 0.3799% | 4,207 |
| Return on assets (ROA) | 0.3799% | 4,308 |
| Pretax return on assets | 0.5916% | 3,923 |
| Return on Equity (ROE) | 5.3422% | 3,507 |
| Retained earnings to average equity (ytd only) | 5.3422% | 1,654 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5746% | 4,168 |
| Assets per employee ($millions) | 7.2947% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 7,260 |
| Loan loss allowance to noncurrent loans | 35.3293% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 1.7044% | 3,813 |
| Noncurrent loans to loans | 2.1300% | 3,482 |
| Net loans and leases to total assets | 71.1159% | 2,967 |
| Net loans and leases to deposits | 76.6386% | 4,636 |
| Net loans and leases to core deposits | 83.3048% | 5,789 |
| Total domestic deposits to total assets | 92.7938% | 153 |
| Equity capital to assets | 6.8635% | 7,436 |
| Core capital (leverage) ratio | 6.8635% | 7,336 |
| Tier 1 risk-based capital ratio | 14.3007% | 3,321 |
| Total risk-based capital ratio | 15.4242% | 3,351 |
| Memoranda: | ||
| Average total assets | $20,792,800 | 7,752 |
| Average earning assets | $20,276,200 | 7,705 |
| Average equity | $1,478,800 | 7,932 |
| Average total loans | $15,225,800 | 7,438 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2629% | 5,617 |
| Cost of funding earning assets | 2.6548% | 897 |
| Net interest margin | 2.6082% | 7,344 |
| Noninterest income to average assets | 0.2794% | 6,237 |
| Noninterest expense to average assets | 1.8648% | 7,583 |
| Loan and lease loss provision to assets | 0.1170% | 6,195 |
| Net operating income to assets | 0.6238% | 3,524 |
| Return on assets (ROA) | 0.6238% | 3,574 |
| Pretax return on assets | 0.8447% | 3,403 |
| Return on Equity (ROE) | 8.6897% | 2,378 |
| Retained earnings to average equity (ytd only) | 8.6897% | 925 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9770% | 5,366 |
| Assets per employee ($millions) | 7.0700% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 7,309 |
| Loan loss allowance to noncurrent loans | 63.2768% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.2730% | 4,524 |
| Noncurrent loans to loans | 1.1523% | 5,017 |
| Net loans and leases to total assets | 71.8953% | 3,063 |
| Net loans and leases to deposits | 78.2964% | 4,701 |
| Net loans and leases to core deposits | 124.2484% | 1,880 |
| Total domestic deposits to total assets | 91.8246% | 202 |
| Equity capital to assets | 7.1617% | 7,515 |
| Core capital (leverage) ratio | 7.1617% | 7,299 |
| Tier 1 risk-based capital ratio | 14.9331% | 3,068 |
| Total risk-based capital ratio | 16.0342% | 3,090 |
| Memoranda: | ||
| Average total assets | $20,520,000 | 7,831 |
| Average earning assets | $20,039,000 | 7,782 |
| Average equity | $1,473,000 | 8,015 |
| Average total loans | $15,112,000 | 7,512 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4173% | 5,049 |
| Cost of funding earning assets | 2.7742% | 848 |
| Net interest margin | 2.6431% | 7,305 |
| Noninterest income to average assets | 0.3351% | 5,830 |
| Noninterest expense to average assets | 1.8038% | 7,737 |
| Loan and lease loss provision to assets | 0.1084% | 6,072 |
| Net operating income to assets | 0.7393% | 3,095 |
| Return on assets (ROA) | 0.7393% | 3,196 |
| Pretax return on assets | 1.0054% | 2,991 |
| Return on Equity (ROE) | 10.2904% | 1,917 |
| Retained earnings to average equity (ytd only) | 10.2904% | 668 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8243% | 6,271 |
| Assets per employee ($millions) | 6.7450% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6913% | 7,443 |
| Loan loss allowance to noncurrent loans | 53.2995% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 1.0872% | 4,783 |
| Noncurrent loans to loans | 1.2971% | 4,611 |
| Net loans and leases to total assets | 74.5392% | 2,561 |
| Net loans and leases to deposits | 80.9956% | 4,390 |
| Net loans and leases to core deposits | 128.1914% | 1,697 |
| Total domestic deposits to total assets | 92.0287% | 206 |
| Equity capital to assets | 7.4030% | 7,350 |
| Core capital (leverage) ratio | 7.4030% | 7,131 |
| Tier 1 risk-based capital ratio | 15.0462% | 3,001 |
| Total risk-based capital ratio | 16.1008% | 3,017 |
| Memoranda: | ||
| Average total assets | $20,290,000 | 7,915 |
| Average earning assets | $19,825,330 | 7,867 |
| Average equity | $1,457,670 | 8,104 |
| Average total loans | $15,029,000 | 7,592 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4072% | 5,388 |
| Cost of funding earning assets | 2.9053% | 760 |
| Net interest margin | 2.5018% | 7,499 |
| Noninterest income to average assets | 0.1575% | 7,182 |
| Noninterest expense to average assets | 1.6931% | 7,829 |
| Loan and lease loss provision to assets | 0.1181% | 5,457 |
| Net operating income to assets | 0.5709% | 4,141 |
| Return on assets (ROA) | 0.5709% | 4,336 |
| Pretax return on assets | 0.7875% | 4,123 |
| Return on Equity (ROE) | 8.0696% | 3,116 |
| Retained earnings to average equity (ytd only) | 8.0696% | 1,788 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1515% | 5,481 |
| Assets per employee ($millions) | 6.8567% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6674% | 7,533 |
| Loan loss allowance to noncurrent loans | 28.9855% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 1.7987% | 3,216 |
| Noncurrent loans to loans | 2.3025% | 2,855 |
| Net loans and leases to total assets | 72.3578% | 3,158 |
| Net loans and leases to deposits | 78.6473% | 4,825 |
| Net loans and leases to core deposits | 109.5378% | 3,495 |
| Total domestic deposits to total assets | 92.0029% | 187 |
| Equity capital to assets | 7.0588% | 7,653 |
| Core capital (leverage) ratio | 7.0588% | 7,599 |
| Tier 1 risk-based capital ratio | 14.5360% | 3,292 |
| Total risk-based capital ratio | 15.5371% | 3,362 |
| Memoranda: | ||
| Average total assets | $20,317,500 | 7,965 |
| Average earning assets | $19,825,500 | 7,908 |
| Average equity | $1,437,500 | 8,163 |
| Average total loans | $14,949,500 | 7,635 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9033% | 6,019 |
| Cost of funding earning assets | 3.5615% | 441 |
| Net interest margin | 2.3418% | 7,889 |
| Noninterest income to average assets | 0.1573% | 7,303 |
| Noninterest expense to average assets | 1.9088% | 7,600 |
| Loan and lease loss provision to assets | 0.0629% | 6,617 |
| Net operating income to assets | 0.3671% | 5,286 |
| Return on assets (ROA) | 0.3671% | 5,084 |
| Pretax return on assets | 0.4510% | 5,121 |
| Return on Equity (ROE) | 4.9964% | 4,390 |
| Retained earnings to average equity (ytd only) | 4.9964% | 2,031 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7879% | 2,792 |
| Assets per employee ($millions) | 6.6883% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6302% | 7,612 |
| Loan loss allowance to noncurrent loans | 33.2155% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 1.5350% | 3,151 |
| Noncurrent loans to loans | 1.8974% | 2,908 |
| Net loans and leases to total assets | 73.8649% | 3,138 |
| Net loans and leases to deposits | 79.8760% | 5,067 |
| Net loans and leases to core deposits | 111.9326% | 3,569 |
| Total domestic deposits to total assets | 92.4745% | 88 |
| Equity capital to assets | 7.0920% | 7,687 |
| Core capital (leverage) ratio | 7.0920% | 7,621 |
| Tier 1 risk-based capital ratio | 14.4629% | 3,317 |
| Total risk-based capital ratio | 15.4182% | 3,389 |
| Memoranda: | ||
| Average total assets | $19,069,800 | 8,047 |
| Average earning assets | $18,447,200 | 7,991 |
| Average equity | $1,401,000 | 8,231 |
| Average total loans | $14,536,800 | 7,676 |