Home > Nebraska State Bank > Performance and Condition Ratios
Nebraska State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 2,851 |
| Cost of funding earning assets | 0.5930% | 4,078 |
| Net interest margin | 4.0281% | 1,163 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.8322% | 1,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9351% | 2,424 |
| Return on assets (ROA) | 0.9351% | 2,404 |
| Pretax return on assets | 1.2161% | 2,097 |
| Return on Equity (ROE) | 6.6900% | 3,366 |
| Retained earnings to average equity (ytd only) | 6.4598% | 2,073 |
| Net charge-offs to loans | 0.1952% | 549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 13.2353% | 2,116 |
| Efficiency ratio | 69.9599% | 1,885 |
| Assets per employee ($millions) | 3.4638% | 4,296 |
| Cash dividends to net income (ytd only)* | 3.4682% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 970 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 52.2500% | 3,469 |
| Net loans and leases to deposits | 62.1113% | 3,402 |
| Net loans and leases to core deposits | 64.3919% | 3,572 |
| Total domestic deposits to total assets | 84.1200% | 2,592 |
| Equity capital to assets | 15.3531% | 521 |
| Core capital (leverage) ratio | 14.4010% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $18,501,600 | 4,523 |
| Average earning assets | $17,874,400 | 4,486 |
| Average equity | $2,585,200 | 4,454 |
| Average total loans | $8,707,800 | 4,427 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4340% | 3,035 |
| Cost of funding earning assets | 0.5488% | 4,061 |
| Net interest margin | 3.8853% | 1,430 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.4400% | 2,409 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1136% | 2,011 |
| Return on assets (ROA) | 1.1136% | 1,996 |
| Pretax return on assets | 1.4754% | 1,618 |
| Return on Equity (ROE) | 8.1600% | 3,140 |
| Retained earnings to average equity (ytd only) | 8.1554% | 1,905 |
| Net charge-offs to loans | 0.2329% | 381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 13.8667% | 2,021 |
| Efficiency ratio | 62.3188% | 2,680 |
| Assets per employee ($millions) | 3.7328% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5567% | 969 |
| Loan loss allowance to noncurrent loans | 310.8696% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 2,022 |
| Noncurrent loans to loans | 0.5008% | 1,562 |
| Net loans and leases to total assets | 48.4500% | 3,714 |
| Net loans and leases to deposits | 57.0572% | 3,652 |
| Net loans and leases to core deposits | 58.9658% | 3,740 |
| Total domestic deposits to total assets | 84.9200% | 2,520 |
| Equity capital to assets | 14.1931% | 620 |
| Core capital (leverage) ratio | 13.9502% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $18,797,250 | 4,549 |
| Average earning assets | $18,222,250 | 4,513 |
| Average equity | $2,566,750 | 4,475 |
| Average total loans | $8,587,250 | 4,451 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 3,198 |
| Cost of funding earning assets | 0.4808% | 4,019 |
| Net interest margin | 3.7696% | 1,684 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.4945% | 2,223 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0190% | 2,361 |
| Return on assets (ROA) | 1.0190% | 2,349 |
| Pretax return on assets | 1.3056% | 2,070 |
| Return on Equity (ROE) | 7.5600% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.5610% | 2,109 |
| Net charge-offs to loans | 0.3577% | 236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 2,059 |
| Efficiency ratio | 65.6425% | 2,296 |
| Assets per employee ($millions) | 3.8312% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 795 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 43.8900% | 3,881 |
| Net loans and leases to deposits | 51.0907% | 3,875 |
| Net loans and leases to core deposits | 52.7247% | 3,930 |
| Total domestic deposits to total assets | 85.9100% | 2,256 |
| Equity capital to assets | 13.5101% | 716 |
| Core capital (leverage) ratio | 13.5242% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $18,841,667 | 4,579 |
| Average earning assets | $18,304,333 | 4,541 |
| Average equity | $2,539,333 | 4,506 |
| Average total loans | $8,387,667 | 4,485 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 3,337 |
| Cost of funding earning assets | 0.3735% | 4,025 |
| Net interest margin | 3.6911% | 1,918 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.6546% | 1,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9848% | 2,580 |
| Return on assets (ROA) | 0.9848% | 2,548 |
| Pretax return on assets | 1.0918% | 2,731 |
| Return on Equity (ROE) | 7.3200% | 3,454 |
| Retained earnings to average equity (ytd only) | 7.3161% | 2,414 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.8571% | 1,661 |
| Assets per employee ($millions) | 3.7572% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8529% | 597 |
| Loan loss allowance to noncurrent loans | 405.1282% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 2,098 |
| Noncurrent loans to loans | 0.4574% | 1,573 |
| Net loans and leases to total assets | 44.5500% | 3,840 |
| Net loans and leases to deposits | 51.6988% | 3,808 |
| Net loans and leases to core deposits | 53.3737% | 3,858 |
| Total domestic deposits to total assets | 86.1700% | 2,540 |
| Equity capital to assets | 13.5101% | 669 |
| Core capital (leverage) ratio | 13.4542% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $18,684,500 | 4,640 |
| Average earning assets | $18,206,000 | 4,610 |
| Average equity | $2,515,000 | 4,568 |
| Average total loans | $8,306,000 | 4,554 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2170% | 3,792 |
| Cost of funding earning assets | 0.2572% | 3,270 |
| Net interest margin | 2.9599% | 3,548 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.4396% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4227% | 4,222 |
| Return on assets (ROA) | 0.4227% | 4,184 |
| Pretax return on assets | 0.6061% | 4,018 |
| Return on Equity (ROE) | 3.3900% | 4,247 |
| Retained earnings to average equity (ytd only) | 3.1058% | 3,689 |
| Net charge-offs to loans | -0.0408% | 4,294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.1003% | 707 |
| Assets per employee ($millions) | 3.7166% | 4,378 |
| Cash dividends to net income (ytd only)* | 8.4337% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9542% | 473 |
| Loan loss allowance to noncurrent loans | 15,800.0000% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 3,864 |
| Noncurrent loans to loans | 0.0124% | 3,746 |
| Net loans and leases to total assets | 42.6600% | 3,948 |
| Net loans and leases to deposits | 50.0126% | 3,897 |
| Net loans and leases to core deposits | 50.8337% | 3,946 |
| Total domestic deposits to total assets | 85.2900% | 2,912 |
| Equity capital to assets | 13.4101% | 643 |
| Core capital (leverage) ratio | 13.1553% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $19,634,400 | 4,670 |
| Average earning assets | $19,054,800 | 4,640 |
| Average equity | $2,447,000 | 4,649 |
| Average total loans | $7,353,000 | 4,594 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0342% | 3,823 |
| Cost of funding earning assets | 0.2350% | 2,871 |
| Net interest margin | 2.7992% | 3,738 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.2716% | 2,717 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4624% | 4,144 |
| Return on assets (ROA) | 0.4624% | 4,089 |
| Pretax return on assets | 0.5964% | 3,998 |
| Return on Equity (ROE) | 3.7800% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.7770% | 3,522 |
| Net charge-offs to loans | -0.0558% | 4,335 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.2056% | 821 |
| Assets per employee ($millions) | 3.8738% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0562% | 454 |
| Loan loss allowance to noncurrent loans | 1,215.3846% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 3,218 |
| Noncurrent loans to loans | 0.1692% | 2,745 |
| Net loans and leases to total assets | 38.8600% | 4,109 |
| Net loans and leases to deposits | 44.8083% | 4,076 |
| Net loans and leases to core deposits | 46.1945% | 4,098 |
| Total domestic deposits to total assets | 86.7200% | 2,849 |
| Equity capital to assets | 12.8298% | 706 |
| Core capital (leverage) ratio | 12.5689% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $19,897,250 | 4,706 |
| Average earning assets | $19,291,000 | 4,675 |
| Average equity | $2,435,750 | 4,690 |
| Average total loans | $7,170,000 | 4,633 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7889% | 3,997 |
| Cost of funding earning assets | 0.2153% | 2,701 |
| Net interest margin | 2.5736% | 3,953 |
| Noninterest income to average assets | 0.1395% | 4,321 |
| Noninterest expense to average assets | 2.3115% | 2,514 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1694% | 4,459 |
| Return on assets (ROA) | 0.1694% | 4,422 |
| Pretax return on assets | 0.3288% | 4,259 |
| Return on Equity (ROE) | 1.4053% | 4,416 |
| Retained earnings to average equity (ytd only) | 1.4053% | 3,899 |
| Net charge-offs to loans | -0.0572% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5472% | 509 |
| Assets per employee ($millions) | 3.9750% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1593% | 407 |
| Loan loss allowance to noncurrent loans | 872.2222% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 3,089 |
| Noncurrent loans to loans | 0.2476% | 2,493 |
| Net loans and leases to total assets | 35.7937% | 4,256 |
| Net loans and leases to deposits | 40.9368% | 4,236 |
| Net loans and leases to core deposits | 42.1545% | 4,256 |
| Total domestic deposits to total assets | 87.4365% | 2,789 |
| Equity capital to assets | 12.2415% | 812 |
| Core capital (leverage) ratio | 11.9964% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,073,333 | 4,739 |
| Average earning assets | $19,506,000 | 4,724 |
| Average equity | $2,419,333 | 4,720 |
| Average total loans | $6,998,667 | 4,702 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5971% | 4,122 |
| Cost of funding earning assets | 0.2045% | 2,738 |
| Net interest margin | 2.3926% | 4,087 |
| Noninterest income to average assets | 0.1388% | 4,321 |
| Noninterest expense to average assets | 2.3398% | 2,374 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1388% | 4,616 |
| Return on assets (ROA) | -0.1388% | 4,600 |
| Pretax return on assets | 0.1190% | 4,423 |
| Return on Equity (ROE) | -1.1606% | 4,595 |
| Retained earnings to average equity (ytd only) | -1.1606% | 4,156 |
| Net charge-offs to loans | -0.0583% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1613% | 358 |
| Assets per employee ($millions) | 4.0264% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1616% | 471 |
| Loan loss allowance to noncurrent loans | 821.0526% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 3,148 |
| Noncurrent loans to loans | 0.2633% | 2,533 |
| Net loans and leases to total assets | 35.0735% | 4,259 |
| Net loans and leases to deposits | 39.9378% | 4,250 |
| Net loans and leases to core deposits | 41.1001% | 4,273 |
| Total domestic deposits to total assets | 87.8204% | 2,614 |
| Equity capital to assets | 11.9660% | 968 |
| Core capital (leverage) ratio | 12.0126% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $20,172,500 | 4,763 |
| Average earning assets | $19,560,500 | 4,748 |
| Average equity | $2,412,500 | 4,745 |
| Average total loans | $6,862,500 | 4,728 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7305% | 4,282 |
| Cost of funding earning assets | 0.2340% | 3,090 |
| Net interest margin | 2.4964% | 4,196 |
| Noninterest income to average assets | 0.9379% | 1,121 |
| Noninterest expense to average assets | 2.7532% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5093% | 4,068 |
| Return on assets (ROA) | 0.5093% | 4,116 |
| Pretax return on assets | 0.6051% | 4,100 |
| Return on Equity (ROE) | 4.1557% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.9088% | 3,254 |
| Net charge-offs to loans | -0.0570% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9820% | 676 |
| Assets per employee ($millions) | 4.0426% | 4,412 |
| Cash dividends to net income (ytd only)* | 5.9406% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3817% | 333 |
| Loan loss allowance to noncurrent loans | 815.7895% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 3,278 |
| Noncurrent loans to loans | 0.2919% | 2,542 |
| Net loans and leases to total assets | 31.4303% | 4,468 |
| Net loans and leases to deposits | 35.7211% | 4,483 |
| Net loans and leases to core deposits | 36.2283% | 4,514 |
| Total domestic deposits to total assets | 87.9879% | 2,053 |
| Equity capital to assets | 11.9527% | 1,269 |
| Core capital (leverage) ratio | 11.6992% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,831,600 | 4,806 |
| Average earning assets | $19,227,400 | 4,787 |
| Average equity | $2,430,400 | 4,790 |
| Average total loans | $7,021,000 | 4,773 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7659% | 4,341 |
| Cost of funding earning assets | 0.2369% | 3,243 |
| Net interest margin | 2.5290% | 4,223 |
| Noninterest income to average assets | 1.2295% | 757 |
| Noninterest expense to average assets | 2.5401% | 2,004 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0268% | 2,812 |
| Return on assets (ROA) | 1.0268% | 2,877 |
| Pretax return on assets | 1.1417% | 3,098 |
| Return on Equity (ROE) | 8.3263% | 3,308 |
| Retained earnings to average equity (ytd only) | 8.3263% | 1,940 |
| Net charge-offs to loans | -0.0373% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9908% | 1,705 |
| Assets per employee ($millions) | 4.0234% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4340% | 317 |
| Loan loss allowance to noncurrent loans | 665.2174% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 3,345 |
| Noncurrent loans to loans | 0.3659% | 2,473 |
| Net loans and leases to total assets | 30.4867% | 4,579 |
| Net loans and leases to deposits | 34.9798% | 4,602 |
| Net loans and leases to core deposits | 35.4837% | 4,624 |
| Total domestic deposits to total assets | 87.1551% | 2,288 |
| Equity capital to assets | 12.2931% | 1,263 |
| Core capital (leverage) ratio | 12.3774% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,736,250 | 4,880 |
| Average earning assets | $19,137,250 | 4,860 |
| Average equity | $2,434,000 | 4,864 |
| Average total loans | $7,149,250 | 4,841 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8708% | 4,260 |
| Cost of funding earning assets | 0.2419% | 3,355 |
| Net interest margin | 2.6289% | 4,116 |
| Noninterest income to average assets | 1.7747% | 399 |
| Noninterest expense to average assets | 2.6008% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6115% | 1,031 |
| Return on assets (ROA) | 1.6115% | 1,084 |
| Pretax return on assets | 1.7237% | 1,426 |
| Return on Equity (ROE) | 13.0525% | 1,699 |
| Retained earnings to average equity (ytd only) | 13.0525% | 711 |
| Net charge-offs to loans | -0.0269% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1415% | 3,003 |
| Assets per employee ($millions) | 4.0614% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3334% | 341 |
| Loan loss allowance to noncurrent loans | 660.8696% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 3,476 |
| Noncurrent loans to loans | 0.3531% | 2,638 |
| Net loans and leases to total assets | 31.3291% | 4,611 |
| Net loans and leases to deposits | 35.8382% | 4,637 |
| Net loans and leases to core deposits | 36.3481% | 4,661 |
| Total domestic deposits to total assets | 87.4181% | 2,123 |
| Equity capital to assets | 12.2076% | 1,268 |
| Core capital (leverage) ratio | 11.3248% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,609,333 | 4,916 |
| Average earning assets | $19,019,000 | 4,896 |
| Average equity | $2,421,000 | 4,901 |
| Average total loans | $7,437,000 | 4,870 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0655% | 3,953 |
| Cost of funding earning assets | 0.2572% | 3,404 |
| Net interest margin | 2.8083% | 3,746 |
| Noninterest income to average assets | 2.6375% | 248 |
| Noninterest expense to average assets | 2.3052% | 2,768 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.9490% | 160 |
| Return on assets (ROA) | 2.9490% | 177 |
| Pretax return on assets | 3.0529% | 222 |
| Return on Equity (ROE) | 23.7458% | 307 |
| Retained earnings to average equity (ytd only) | 23.7458% | 166 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0233% | 4,633 |
| Assets per employee ($millions) | 4.1064% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0190% | 578 |
| Loan loss allowance to noncurrent loans | 503.3333% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 3,443 |
| Noncurrent loans to loans | 0.4011% | 2,664 |
| Net loans and leases to total assets | 35.6906% | 4,516 |
| Net loans and leases to deposits | 40.6569% | 4,541 |
| Net loans and leases to core deposits | 41.2264% | 4,586 |
| Total domestic deposits to total assets | 87.7849% | 1,958 |
| Equity capital to assets | 11.9959% | 1,286 |
| Core capital (leverage) ratio | 12.6867% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,260,500 | 4,944 |
| Average earning assets | $18,659,000 | 4,926 |
| Average equity | $2,392,000 | 4,929 |
| Average total loans | $7,898,500 | 4,892 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9285% | 2,943 |
| Cost of funding earning assets | 0.4500% | 3,279 |
| Net interest margin | 3.4785% | 2,537 |
| Noninterest income to average assets | 0.5901% | 2,251 |
| Noninterest expense to average assets | 2.6817% | 2,294 |
| Loan and lease loss provision to assets | 0.2980% | 1,263 |
| Net operating income to assets | 0.9114% | 2,643 |
| Return on assets (ROA) | 0.9114% | 2,777 |
| Pretax return on assets | 0.9523% | 3,213 |
| Return on Equity (ROE) | 6.9124% | 3,242 |
| Retained earnings to average equity (ytd only) | 6.6466% | 1,529 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2021% | 2,211 |
| Assets per employee ($millions) | 3.5978% | 4,611 |
| Cash dividends to net income (ytd only)* | 3.8462% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8153% | 828 |
| Loan loss allowance to noncurrent loans | 487.0968% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 3,415 |
| Noncurrent loans to loans | 0.3727% | 2,867 |
| Net loans and leases to total assets | 45.4000% | 4,170 |
| Net loans and leases to deposits | 52.1486% | 4,210 |
| Net loans and leases to core deposits | 53.8614% | 4,262 |
| Total domestic deposits to total assets | 87.0588% | 1,917 |
| Equity capital to assets | 12.9023% | 1,130 |
| Core capital (leverage) ratio | 12.3866% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $17,115,800 | 4,975 |
| Average earning assets | $16,443,800 | 4,956 |
| Average equity | $2,256,800 | 4,955 |
| Average total loans | $8,111,200 | 4,914 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9815% | 3,026 |
| Cost of funding earning assets | 0.4771% | 3,381 |
| Net interest margin | 3.5044% | 2,578 |
| Noninterest income to average assets | 0.7575% | 1,629 |
| Noninterest expense to average assets | 2.3672% | 3,232 |
| Loan and lease loss provision to assets | 0.4024% | 872 |
| Net operating income to assets | 1.3493% | 1,233 |
| Return on assets (ROA) | 1.3493% | 1,331 |
| Pretax return on assets | 1.3493% | 1,877 |
| Return on Equity (ROE) | 10.1749% | 1,961 |
| Retained earnings to average equity (ytd only) | 10.1749% | 724 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4713% | 3,740 |
| Assets per employee ($millions) | 3.6048% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 846 |
| Loan loss allowance to noncurrent loans | 88.8235% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 1,201 |
| Noncurrent loans to loans | 1.9442% | 632 |
| Net loans and leases to total assets | 47.6753% | 4,230 |
| Net loans and leases to deposits | 55.0833% | 4,293 |
| Net loans and leases to core deposits | 56.8997% | 4,344 |
| Total domestic deposits to total assets | 86.5513% | 1,838 |
| Equity capital to assets | 12.9938% | 1,184 |
| Core capital (leverage) ratio | 12.8336% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,897,500 | 5,005 |
| Average earning assets | $16,208,000 | 4,988 |
| Average equity | $2,240,750 | 4,985 |
| Average total loans | $8,059,500 | 4,950 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9331% | 3,524 |
| Cost of funding earning assets | 0.5312% | 3,340 |
| Net interest margin | 3.4019% | 3,094 |
| Noninterest income to average assets | 1.1742% | 723 |
| Noninterest expense to average assets | 2.4573% | 3,082 |
| Loan and lease loss provision to assets | 0.6174% | 509 |
| Net operating income to assets | 1.3558% | 1,210 |
| Return on assets (ROA) | 1.3558% | 1,303 |
| Pretax return on assets | 1.3558% | 1,848 |
| Return on Equity (ROE) | 10.1495% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.1495% | 769 |
| Net charge-offs to loans | -0.0766% | 4,796 |
| Credit loss provision to net charge-offs | -1,700.0000% | 3,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4645% | 4,007 |
| Assets per employee ($millions) | 3.5428% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9102% | 522 |
| Loan loss allowance to noncurrent loans | 216.9014% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 2,686 |
| Noncurrent loans to loans | 0.8807% | 1,734 |
| Net loans and leases to total assets | 44.6427% | 4,425 |
| Net loans and leases to deposits | 51.4676% | 4,463 |
| Net loans and leases to core deposits | 53.1916% | 4,520 |
| Total domestic deposits to total assets | 86.7393% | 1,716 |
| Equity capital to assets | 12.8881% | 1,214 |
| Core capital (leverage) ratio | 13.1350% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9225% | 455 |
| Memoranda: | ||
| Average total assets | $16,522,000 | 5,037 |
| Average earning assets | $15,814,667 | 5,020 |
| Average equity | $2,207,000 | 5,017 |
| Average total loans | $7,831,333 | 4,986 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 3,375 |
| Cost of funding earning assets | 0.5551% | 3,666 |
| Net interest margin | 3.5949% | 2,681 |
| Noninterest income to average assets | 0.2512% | 4,044 |
| Noninterest expense to average assets | 2.4865% | 3,313 |
| Loan and lease loss provision to assets | 1.2809% | 138 |
| Net operating income to assets | -0.1005% | 4,803 |
| Return on assets (ROA) | -0.1005% | 4,788 |
| Pretax return on assets | -0.1005% | 4,773 |
| Return on Equity (ROE) | -0.7377% | 4,787 |
| Retained earnings to average equity (ytd only) | -0.7377% | 4,107 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8082% | 2,705 |
| Assets per employee ($millions) | 3.1340% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9751% | 519 |
| Loan loss allowance to noncurrent loans | 260.3448% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 1.4614% | 749 |
| Noncurrent loans to loans | 0.7587% | 2,104 |
| Net loans and leases to total assets | 47.8239% | 4,345 |
| Net loans and leases to deposits | 55.7050% | 4,382 |
| Net loans and leases to core deposits | 57.8464% | 4,438 |
| Total domestic deposits to total assets | 85.8519% | 2,057 |
| Equity capital to assets | 13.8290% | 1,117 |
| Core capital (leverage) ratio | 13.2465% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $15,926,000 | 5,090 |
| Average earning assets | $15,132,500 | 5,075 |
| Average equity | $2,169,000 | 5,063 |
| Average total loans | $7,716,000 | 5,034 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 3,617 |
| Cost of funding earning assets | 0.5339% | 3,956 |
| Net interest margin | 3.7371% | 2,708 |
| Noninterest income to average assets | 0.2387% | 4,248 |
| Noninterest expense to average assets | 2.9312% | 2,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6499% | 4,016 |
| Return on assets (ROA) | 0.6499% | 4,089 |
| Pretax return on assets | 0.8820% | 3,787 |
| Return on Equity (ROE) | 4.3202% | 4,393 |
| Retained earnings to average equity (ytd only) | 4.0116% | 2,956 |
| Net charge-offs to loans | -0.1037% | 4,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8696% | 1,277 |
| Assets per employee ($millions) | 2.7185% | 4,934 |
| Cash dividends to net income (ytd only)* | 7.1429% | 3,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4286% | 90 |
| Loan loss allowance to noncurrent loans | 110.8000% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 2.5811% | 247 |
| Noncurrent loans to loans | 3.0944% | 298 |
| Net loans and leases to total assets | 47.8328% | 4,437 |
| Net loans and leases to deposits | 55.7844% | 4,464 |
| Net loans and leases to core deposits | 57.8440% | 4,531 |
| Total domestic deposits to total assets | 85.7458% | 2,163 |
| Equity capital to assets | 14.1009% | 1,058 |
| Core capital (leverage) ratio | 13.6022% | 1,023 |
| Tier 1 risk-based capital ratio | 23.1738% | 901 |
| Total risk-based capital ratio | 24.4433% | 879 |
| Memoranda: | ||
| Average total assets | $15,079,200 | 5,153 |
| Average earning assets | $14,423,000 | 5,139 |
| Average equity | $2,268,400 | 5,117 |
| Average total loans | $7,716,400 | 5,093 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 3,777 |
| Cost of funding earning assets | 0.5374% | 3,990 |
| Net interest margin | 3.7240% | 2,841 |
| Noninterest income to average assets | 0.2437% | 4,276 |
| Noninterest expense to average assets | 2.7169% | 2,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9749% | 3,073 |
| Return on assets (ROA) | 0.9749% | 3,149 |
| Pretax return on assets | 1.0922% | 3,315 |
| Return on Equity (ROE) | 6.3703% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.3703% | 2,187 |
| Net charge-offs to loans | -0.1399% | 5,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3270% | 1,920 |
| Assets per employee ($millions) | 2.5140% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5445% | 88 |
| Loan loss allowance to noncurrent loans | 512.9630% | 967 |
| Noncurrent assets plus other real estate owned to assets | 1.4916% | 751 |
| Noncurrent loans to loans | 0.6910% | 2,232 |
| Net loans and leases to total assets | 49.9735% | 4,431 |
| Net loans and leases to deposits | 59.4479% | 4,408 |
| Net loans and leases to core deposits | 61.8782% | 4,461 |
| Total domestic deposits to total assets | 84.0626% | 2,800 |
| Equity capital to assets | 15.3606% | 761 |
| Core capital (leverage) ratio | 15.3180% | 671 |
| Tier 1 risk-based capital ratio | 24.6831% | 790 |
| Total risk-based capital ratio | 25.9508% | 773 |
| Memoranda: | ||
| Average total assets | $14,771,250 | 5,231 |
| Average earning assets | $14,142,000 | 5,217 |
| Average equity | $2,260,500 | 5,195 |
| Average total loans | $7,625,750 | 5,175 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2173% | 3,879 |
| Cost of funding earning assets | 0.5254% | 4,007 |
| Net interest margin | 3.6919% | 2,956 |
| Noninterest income to average assets | 0.2182% | 4,439 |
| Noninterest expense to average assets | 2.7272% | 2,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9000% | 3,282 |
| Return on assets (ROA) | 0.9000% | 3,352 |
| Pretax return on assets | 1.0363% | 3,424 |
| Return on Equity (ROE) | 5.8885% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.8885% | 2,335 |
| Net charge-offs to loans | -0.2116% | 5,137 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4638% | 1,851 |
| Assets per employee ($millions) | 2.5440% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4122% | 90 |
| Loan loss allowance to noncurrent loans | 127.6498% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 1.4216% | 820 |
| Noncurrent loans to loans | 2.6731% | 412 |
| Net loans and leases to total assets | 51.3692% | 4,393 |
| Net loans and leases to deposits | 60.6185% | 4,400 |
| Net loans and leases to core deposits | 63.0458% | 4,454 |
| Total domestic deposits to total assets | 84.7419% | 2,585 |
| Equity capital to assets | 14.9044% | 840 |
| Core capital (leverage) ratio | 14.9044% | 727 |
| Tier 1 risk-based capital ratio | 24.1354% | 835 |
| Total risk-based capital ratio | 25.4084% | 814 |
| Memoranda: | ||
| Average total assets | $14,667,000 | 5,279 |
| Average earning assets | $14,085,000 | 5,266 |
| Average equity | $2,241,670 | 5,234 |
| Average total loans | $7,562,670 | 5,222 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 4,124 |
| Cost of funding earning assets | 0.5236% | 3,953 |
| Net interest margin | 3.5777% | 3,337 |
| Noninterest income to average assets | 0.2505% | 4,220 |
| Noninterest expense to average assets | 2.6725% | 2,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8908% | 3,265 |
| Return on assets (ROA) | 0.8908% | 3,321 |
| Pretax return on assets | 1.0022% | 3,431 |
| Return on Equity (ROE) | 5.7528% | 4,097 |
| Retained earnings to average equity (ytd only) | 5.7528% | 2,568 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 1,923 |
| Assets per employee ($millions) | 2.4308% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6976% | 73 |
| Loan loss allowance to noncurrent loans | 47.6106% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 3.8738% | 123 |
| Noncurrent loans to loans | 7.7663% | 47 |
| Net loans and leases to total assets | 48.0357% | 4,584 |
| Net loans and leases to deposits | 56.8715% | 4,559 |
| Net loans and leases to core deposits | 59.2674% | 4,599 |
| Total domestic deposits to total assets | 84.4635% | 2,862 |
| Equity capital to assets | 15.3651% | 675 |
| Core capital (leverage) ratio | 15.3199% | 631 |
| Tier 1 risk-based capital ratio | 26.4550% | 658 |
| Total risk-based capital ratio | 27.7299% | 647 |
| Memoranda: | ||
| Average total assets | $14,368,500 | 5,338 |
| Average earning assets | $13,752,000 | 5,326 |
| Average equity | $2,225,000 | 5,292 |
| Average total loans | $7,285,000 | 5,290 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0198% | 3,966 |
| Cost of funding earning assets | 0.3709% | 4,149 |
| Net interest margin | 3.6489% | 3,227 |
| Noninterest income to average assets | 0.4209% | 3,307 |
| Noninterest expense to average assets | 3.1934% | 1,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5806% | 4,467 |
| Return on assets (ROA) | 0.5806% | 4,474 |
| Pretax return on assets | 0.7258% | 4,349 |
| Return on Equity (ROE) | 3.6556% | 4,782 |
| Retained earnings to average equity (ytd only) | 3.3358% | 3,745 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4815% | 847 |
| Assets per employee ($millions) | 2.3587% | 5,250 |
| Cash dividends to net income (ytd only)* | 8.7500% | 3,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6875% | 70 |
| Loan loss allowance to noncurrent loans | 138.6598% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 907 |
| Noncurrent loans to loans | 2.6594% | 434 |
| Net loans and leases to total assets | 49.6467% | 4,543 |
| Net loans and leases to deposits | 58.8491% | 4,536 |
| Net loans and leases to core deposits | 61.4107% | 4,565 |
| Total domestic deposits to total assets | 84.3626% | 2,883 |
| Equity capital to assets | 15.6091% | 596 |
| Core capital (leverage) ratio | 15.5170% | 592 |
| Tier 1 risk-based capital ratio | 25.8999% | 675 |
| Total risk-based capital ratio | 27.1779% | 658 |
| Memoranda: | ||
| Average total assets | $13,778,400 | 5,385 |
| Average earning assets | $13,209,600 | 5,371 |
| Average equity | $2,188,400 | 5,341 |
| Average total loans | $7,038,200 | 5,339 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 3,926 |
| Cost of funding earning assets | 0.3352% | 4,275 |
| Net interest margin | 3.6673% | 3,132 |
| Noninterest income to average assets | 0.4774% | 3,001 |
| Noninterest expense to average assets | 3.0105% | 1,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8769% | 3,634 |
| Return on assets (ROA) | 0.8769% | 3,638 |
| Pretax return on assets | 0.9841% | 3,769 |
| Return on Equity (ROE) | 5.4964% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.4964% | 2,952 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3659% | 1,424 |
| Assets per employee ($millions) | 2.2903% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8963% | 67 |
| Loan loss allowance to noncurrent loans | 131.2195% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 1.4918% | 856 |
| Noncurrent loans to loans | 2.9693% | 370 |
| Net loans and leases to total assets | 48.2826% | 4,700 |
| Net loans and leases to deposits | 58.0236% | 4,642 |
| Net loans and leases to core deposits | 60.6656% | 4,676 |
| Total domestic deposits to total assets | 83.2121% | 3,226 |
| Equity capital to assets | 16.1985% | 506 |
| Core capital (leverage) ratio | 15.9707% | 522 |
| Tier 1 risk-based capital ratio | 27.6831% | 589 |
| Total risk-based capital ratio | 28.9641% | 576 |
| Memoranda: | ||
| Average total assets | $13,685,000 | 5,456 |
| Average earning assets | $13,124,750 | 5,442 |
| Average equity | $2,183,250 | 5,409 |
| Average total loans | $6,974,000 | 5,410 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9689% | 3,877 |
| Cost of funding earning assets | 0.3193% | 4,273 |
| Net interest margin | 3.6495% | 3,121 |
| Noninterest income to average assets | 0.5708% | 2,471 |
| Noninterest expense to average assets | 2.8538% | 2,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1269% | 2,492 |
| Return on assets (ROA) | 1.1269% | 2,496 |
| Pretax return on assets | 1.2293% | 2,827 |
| Return on Equity (ROE) | 7.1000% | 3,875 |
| Retained earnings to average equity (ytd only) | 7.1000% | 2,032 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8925% | 2,330 |
| Assets per employee ($millions) | 2.2882% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9019% | 63 |
| Loan loss allowance to noncurrent loans | 98.5348% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.9885% | 544 |
| Noncurrent loans to loans | 3.9600% | 226 |
| Net loans and leases to total assets | 48.2555% | 4,708 |
| Net loans and leases to deposits | 57.8047% | 4,652 |
| Net loans and leases to core deposits | 60.4305% | 4,681 |
| Total domestic deposits to total assets | 83.4802% | 3,255 |
| Equity capital to assets | 16.1192% | 485 |
| Core capital (leverage) ratio | 15.7767% | 535 |
| Tier 1 risk-based capital ratio | 27.7910% | 569 |
| Total risk-based capital ratio | 29.0594% | 561 |
| Memoranda: | ||
| Average total assets | $13,666,000 | 5,520 |
| Average earning assets | $13,152,330 | 5,507 |
| Average equity | $2,169,000 | 5,475 |
| Average total loans | $6,997,330 | 5,471 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9618% | 3,750 |
| Cost of funding earning assets | 0.3048% | 4,319 |
| Net interest margin | 3.6570% | 2,965 |
| Noninterest income to average assets | 0.2640% | 4,414 |
| Noninterest expense to average assets | 3.0511% | 1,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6454% | 4,295 |
| Return on assets (ROA) | 0.6454% | 4,304 |
| Pretax return on assets | 0.7334% | 4,341 |
| Return on Equity (ROE) | 4.0987% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.0987% | 3,563 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6202% | 1,075 |
| Assets per employee ($millions) | 2.3192% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8412% | 70 |
| Loan loss allowance to noncurrent loans | 123.3945% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.5667% | 870 |
| Noncurrent loans to loans | 3.1130% | 373 |
| Net loans and leases to total assets | 48.3938% | 4,669 |
| Net loans and leases to deposits | 57.4328% | 4,619 |
| Net loans and leases to core deposits | 59.9804% | 4,657 |
| Total domestic deposits to total assets | 84.2616% | 3,214 |
| Equity capital to assets | 15.5084% | 565 |
| Core capital (leverage) ratio | 15.0972% | 641 |
| Tier 1 risk-based capital ratio | 26.5600% | 641 |
| Total risk-based capital ratio | 27.8400% | 629 |
| Memoranda: | ||
| Average total assets | $13,634,500 | 5,583 |
| Average earning assets | $13,125,500 | 5,569 |
| Average equity | $2,147,000 | 5,533 |
| Average total loans | $7,049,000 | 5,532 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5400% | 4,715 |
| Cost of funding earning assets | 0.2414% | 4,634 |
| Net interest margin | 3.2987% | 4,168 |
| Noninterest income to average assets | 0.3248% | 4,143 |
| Noninterest expense to average assets | 2.7887% | 2,812 |
| Loan and lease loss provision to assets | 0.7625% | 157 |
| Net operating income to assets | -0.0282% | 5,386 |
| Return on assets (ROA) | -0.0282% | 5,389 |
| Pretax return on assets | -0.0424% | 5,455 |
| Return on Equity (ROE) | -0.1876% | 5,382 |
| Retained earnings to average equity (ytd only) | -0.4691% | 5,114 |
| Net charge-offs to loans | 1.1616% | 141 |
| Credit loss provision to net charge-offs | 136.7089% | 1,933 |
| Earnings coverage of net charge-offs (x) | 1.2911% | 3,907 |
| Efficiency ratio | 79.4769% | 1,161 |
| Assets per employee ($millions) | 2.2257% | 5,529 |
| Cash dividends to net income (ytd only)* | -150.0000% | 5,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7914% | 73 |
| Loan loss allowance to noncurrent loans | 74.3094% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 2.7108% | 319 |
| Noncurrent loans to loans | 5.1022% | 133 |
| Net loans and leases to total assets | 51.1158% | 4,584 |
| Net loans and leases to deposits | 60.8649% | 4,508 |
| Net loans and leases to core deposits | 63.6932% | 4,551 |
| Total domestic deposits to total assets | 83.9823% | 3,216 |
| Equity capital to assets | 15.9952% | 519 |
| Core capital (leverage) ratio | 15.1812% | 594 |
| Tier 1 risk-based capital ratio | 26.0679% | 660 |
| Total risk-based capital ratio | 27.3371% | 649 |
| Memoranda: | ||
| Average total assets | $14,164,400 | 5,647 |
| Average earning assets | $13,672,200 | 5,629 |
| Average equity | $2,131,800 | 5,597 |
| Average total loans | $6,801,200 | 5,597 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4231% | 4,935 |
| Cost of funding earning assets | 0.2404% | 4,654 |
| Net interest margin | 3.1827% | 4,499 |
| Noninterest income to average assets | 0.3341% | 4,145 |
| Noninterest expense to average assets | 2.7098% | 3,033 |
| Loan and lease loss provision to assets | 1.0023% | 105 |
| Net operating income to assets | -0.4176% | 5,620 |
| Return on assets (ROA) | -0.4176% | 5,620 |
| Pretax return on assets | -0.3063% | 5,592 |
| Return on Equity (ROE) | -2.8159% | 5,603 |
| Retained earnings to average equity (ytd only) | -2.8159% | 5,473 |
| Net charge-offs to loans | 1.5656% | 98 |
| Credit loss provision to net charge-offs | 136.7089% | 1,801 |
| Earnings coverage of net charge-offs (x) | 0.9494% | 3,611 |
| Efficiency ratio | 79.5640% | 1,157 |
| Assets per employee ($millions) | 2.3300% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9681% | 68 |
| Loan loss allowance to noncurrent loans | 73.9011% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 2.6037% | 394 |
| Noncurrent loans to loans | 5.3695% | 134 |
| Net loans and leases to total assets | 46.5665% | 4,905 |
| Net loans and leases to deposits | 55.1882% | 4,912 |
| Net loans and leases to core deposits | 57.6208% | 4,929 |
| Total domestic deposits to total assets | 84.3777% | 2,965 |
| Equity capital to assets | 15.0286% | 723 |
| Core capital (leverage) ratio | 15.7484% | 527 |
| Tier 1 risk-based capital ratio | 26.6624% | 638 |
| Total risk-based capital ratio | 27.9442% | 621 |
| Memoranda: | ||
| Average total assets | $14,367,000 | 5,712 |
| Average earning assets | $13,866,250 | 5,693 |
| Average equity | $2,130,750 | 5,662 |
| Average total loans | $6,727,750 | 5,662 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 4,104 |
| Cost of funding earning assets | 0.2427% | 4,617 |
| Net interest margin | 3.4974% | 3,408 |
| Noninterest income to average assets | 0.2759% | 4,576 |
| Noninterest expense to average assets | 2.6904% | 3,120 |
| Loan and lease loss provision to assets | 1.4901% | 65 |
| Net operating income to assets | -0.6347% | 5,697 |
| Return on assets (ROA) | -0.6347% | 5,695 |
| Pretax return on assets | -0.5243% | 5,673 |
| Return on Equity (ROE) | -4.2977% | 5,677 |
| Retained earnings to average equity (ytd only) | -4.2977% | 5,504 |
| Net charge-offs to loans | -0.2086% | 5,579 |
| Credit loss provision to net charge-offs | -1,542.8571% | 4,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5849% | 2,084 |
| Assets per employee ($millions) | 2.3397% | 5,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1524% | 38 |
| Loan loss allowance to noncurrent loans | 100.5666% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 2.5146% | 431 |
| Noncurrent loans to loans | 5.1234% | 146 |
| Net loans and leases to total assets | 46.5522% | 4,915 |
| Net loans and leases to deposits | 54.9945% | 4,907 |
| Net loans and leases to core deposits | 58.6888% | 4,890 |
| Total domestic deposits to total assets | 84.6488% | 2,961 |
| Equity capital to assets | 14.9594% | 711 |
| Core capital (leverage) ratio | 14.8694% | 667 |
| Tier 1 risk-based capital ratio | 26.0967% | 667 |
| Total risk-based capital ratio | 27.3891% | 645 |
| Memoranda: | ||
| Average total assets | $14,496,000 | 5,760 |
| Average earning assets | $14,010,330 | 5,741 |
| Average equity | $2,140,670 | 5,707 |
| Average total loans | $6,710,670 | 5,711 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6528% | 4,270 |
| Cost of funding earning assets | 0.2248% | 4,756 |
| Net interest margin | 3.4280% | 3,536 |
| Noninterest income to average assets | 0.2716% | 4,599 |
| Noninterest expense to average assets | 2.6621% | 3,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8149% | 3,151 |
| Return on assets (ROA) | 0.8149% | 3,207 |
| Pretax return on assets | 0.9236% | 3,681 |
| Return on Equity (ROE) | 5.5530% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.5530% | 2,565 |
| Net charge-offs to loans | -0.1208% | 5,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2424% | 2,193 |
| Assets per employee ($millions) | 2.4640% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6633% | 107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 43.0465% | 5,099 |
| Net loans and leases to deposits | 50.6083% | 5,092 |
| Net loans and leases to core deposits | 53.8091% | 5,070 |
| Total domestic deposits to total assets | 85.0582% | 3,062 |
| Equity capital to assets | 14.7186% | 708 |
| Core capital (leverage) ratio | 14.7206% | 661 |
| Tier 1 risk-based capital ratio | 27.4782% | 594 |
| Total risk-based capital ratio | 28.7536% | 578 |
| Memoranda: | ||
| Average total assets | $14,725,000 | 5,826 |
| Average earning assets | $14,235,500 | 5,809 |
| Average equity | $2,161,000 | 5,771 |
| Average total loans | $6,621,000 | 5,778 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6693% | 4,313 |
| Cost of funding earning assets | 0.2531% | 4,537 |
| Net interest margin | 3.4162% | 3,762 |
| Noninterest income to average assets | 0.2726% | 4,785 |
| Noninterest expense to average assets | 3.0935% | 2,056 |
| Loan and lease loss provision to assets | 0.3271% | 550 |
| Net operating income to assets | 0.1363% | 5,514 |
| Return on assets (ROA) | 0.1363% | 5,546 |
| Pretax return on assets | 0.1635% | 5,526 |
| Return on Equity (ROE) | 0.9334% | 5,577 |
| Retained earnings to average equity (ytd only) | 0.6067% | 5,087 |
| Net charge-offs to loans | -0.1066% | 5,612 |
| Credit loss provision to net charge-offs | -685.7143% | 5,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3118% | 799 |
| Assets per employee ($millions) | 2.4443% | 5,682 |
| Cash dividends to net income (ytd only)* | 35.0000% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6166% | 100 |
| Loan loss allowance to noncurrent loans | 99.1736% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.6501% | 950 |
| Noncurrent loans to loans | 3.6468% | 318 |
| Net loans and leases to total assets | 43.6111% | 5,137 |
| Net loans and leases to deposits | 51.1394% | 5,164 |
| Net loans and leases to core deposits | 54.3924% | 5,132 |
| Total domestic deposits to total assets | 85.2789% | 2,932 |
| Equity capital to assets | 14.6325% | 703 |
| Core capital (leverage) ratio | 14.9059% | 615 |
| Tier 1 risk-based capital ratio | 26.9564% | 617 |
| Total risk-based capital ratio | 28.2251% | 608 |
| Memoranda: | ||
| Average total assets | $14,675,800 | 5,883 |
| Average earning assets | $14,226,200 | 5,865 |
| Average equity | $2,142,800 | 5,835 |
| Average total loans | $6,568,600 | 5,838 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6979% | 4,255 |
| Cost of funding earning assets | 0.2621% | 4,481 |
| Net interest margin | 3.4358% | 3,722 |
| Noninterest income to average assets | 0.2816% | 4,751 |
| Noninterest expense to average assets | 2.6796% | 3,402 |
| Loan and lease loss provision to assets | 0.4360% | 314 |
| Net operating income to assets | 0.4088% | 4,989 |
| Return on assets (ROA) | 0.4088% | 5,081 |
| Pretax return on assets | 0.4996% | 5,127 |
| Return on Equity (ROE) | 2.8011% | 5,272 |
| Retained earnings to average equity (ytd only) | 2.8011% | 4,215 |
| Net charge-offs to loans | -0.1424% | 5,678 |
| Credit loss provision to net charge-offs | -685.7143% | 5,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1206% | 2,259 |
| Assets per employee ($millions) | 2.3293% | 5,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6150% | 104 |
| Loan loss allowance to noncurrent loans | 169.0141% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 1.0160% | 2,035 |
| Noncurrent loans to loans | 2.1389% | 887 |
| Net loans and leases to total assets | 45.7856% | 5,105 |
| Net loans and leases to deposits | 55.3403% | 5,034 |
| Net loans and leases to core deposits | 60.5106% | 4,903 |
| Total domestic deposits to total assets | 82.7347% | 3,693 |
| Equity capital to assets | 15.5839% | 617 |
| Core capital (leverage) ratio | 15.5040% | 556 |
| Tier 1 risk-based capital ratio | 27.4238% | 616 |
| Total risk-based capital ratio | 28.6955% | 602 |
| Memoranda: | ||
| Average total assets | $14,678,250 | 5,948 |
| Average earning assets | $14,241,750 | 5,933 |
| Average equity | $2,142,000 | 5,898 |
| Average total loans | $6,551,750 | 5,902 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6716% | 4,380 |
| Cost of funding earning assets | 0.2632% | 4,515 |
| Net interest margin | 3.4084% | 3,858 |
| Noninterest income to average assets | 0.2816% | 4,773 |
| Noninterest expense to average assets | 2.7494% | 3,201 |
| Loan and lease loss provision to assets | 0.6438% | 173 |
| Net operating income to assets | 0.1073% | 5,658 |
| Return on assets (ROA) | 0.1073% | 5,707 |
| Pretax return on assets | 0.1878% | 5,631 |
| Return on Equity (ROE) | 0.7512% | 5,718 |
| Retained earnings to average equity (ytd only) | 0.7512% | 5,074 |
| Net charge-offs to loans | -0.1840% | 5,795 |
| Credit loss provision to net charge-offs | -800.0000% | 5,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7790% | 1,966 |
| Assets per employee ($millions) | 2.0460% | 5,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7858% | 100 |
| Loan loss allowance to noncurrent loans | 178.3582% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.9356% | 2,279 |
| Noncurrent loans to loans | 2.1226% | 912 |
| Net loans and leases to total assets | 42.4103% | 5,319 |
| Net loans and leases to deposits | 50.0577% | 5,336 |
| Net loans and leases to core deposits | 55.7350% | 5,190 |
| Total domestic deposits to total assets | 84.7228% | 2,992 |
| Equity capital to assets | 14.9490% | 736 |
| Core capital (leverage) ratio | 14.7686% | 651 |
| Tier 1 risk-based capital ratio | 27.9140% | 599 |
| Total risk-based capital ratio | 29.1917% | 583 |
| Memoranda: | ||
| Average total assets | $14,912,330 | 6,026 |
| Average earning assets | $14,435,000 | 6,010 |
| Average equity | $2,130,000 | 5,973 |
| Average total loans | $6,522,670 | 5,979 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6316% | 4,536 |
| Cost of funding earning assets | 0.2439% | 4,764 |
| Net interest margin | 3.3876% | 3,911 |
| Noninterest income to average assets | 0.2630% | 4,848 |
| Noninterest expense to average assets | 2.6566% | 3,555 |
| Loan and lease loss provision to assets | 1.2625% | 73 |
| Net operating income to assets | -0.4471% | 5,951 |
| Return on assets (ROA) | -0.4471% | 5,959 |
| Pretax return on assets | -0.3682% | 5,933 |
| Return on Equity (ROE) | -3.2008% | 5,946 |
| Retained earnings to average equity (ytd only) | -3.2008% | 5,491 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8148% | 2,351 |
| Assets per employee ($millions) | 2.1090% | 5,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6896% | 111 |
| Loan loss allowance to noncurrent loans | 4,660.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 5,505 |
| Noncurrent loans to loans | 0.0792% | 5,160 |
| Net loans and leases to total assets | 41.1976% | 5,390 |
| Net loans and leases to deposits | 48.1857% | 5,413 |
| Net loans and leases to core deposits | 54.6108% | 5,206 |
| Total domestic deposits to total assets | 85.4975% | 2,918 |
| Equity capital to assets | 14.3331% | 874 |
| Core capital (leverage) ratio | 14.0402% | 800 |
| Tier 1 risk-based capital ratio | 27.4556% | 645 |
| Total risk-based capital ratio | 28.7271% | 630 |
| Memoranda: | ||
| Average total assets | $15,207,500 | 6,088 |
| Average earning assets | $14,759,500 | 6,067 |
| Average equity | $2,124,500 | 6,029 |
| Average total loans | $6,627,500 | 6,039 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4409% | 5,065 |
| Cost of funding earning assets | 0.2317% | 4,992 |
| Net interest margin | 3.2093% | 4,597 |
| Noninterest income to average assets | 0.2988% | 4,747 |
| Noninterest expense to average assets | 3.1274% | 2,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1335% | 5,710 |
| Return on assets (ROA) | 0.1335% | 5,759 |
| Pretax return on assets | 0.1653% | 5,733 |
| Return on Equity (ROE) | 0.9792% | 5,775 |
| Retained earnings to average equity (ytd only) | 0.6528% | 5,248 |
| Net charge-offs to loans | 0.3080% | 979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.3684% | 4,098 |
| Efficiency ratio | 94.9807% | 439 |
| Assets per employee ($millions) | 2.2360% | 5,987 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6657% | 331 |
| Loan loss allowance to noncurrent loans | 303.2787% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 4,035 |
| Noncurrent loans to loans | 0.8790% | 2,597 |
| Net loans and leases to total assets | 43.1574% | 5,335 |
| Net loans and leases to deposits | 51.0891% | 5,334 |
| Net loans and leases to core deposits | 56.3480% | 5,186 |
| Total domestic deposits to total assets | 84.4748% | 3,297 |
| Equity capital to assets | 13.6277% | 1,073 |
| Core capital (leverage) ratio | 13.8067% | 873 |
| Tier 1 risk-based capital ratio | 24.9678% | 818 |
| Total risk-based capital ratio | 26.2320% | 805 |
| Memoranda: | ||
| Average total assets | $15,732,000 | 6,144 |
| Average earning assets | $14,676,200 | 6,129 |
| Average equity | $2,144,600 | 6,083 |
| Average total loans | $6,168,200 | 6,099 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4229% | 5,154 |
| Cost of funding earning assets | 0.2294% | 5,097 |
| Net interest margin | 3.1935% | 4,690 |
| Noninterest income to average assets | 0.3132% | 4,706 |
| Noninterest expense to average assets | 2.6578% | 3,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4740% | 4,878 |
| Return on assets (ROA) | 0.4740% | 4,982 |
| Pretax return on assets | 0.6009% | 4,970 |
| Return on Equity (ROE) | 3.4766% | 5,227 |
| Retained earnings to average equity (ytd only) | 3.4766% | 3,995 |
| Net charge-offs to loans | 0.4239% | 601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.7371% | 3,460 |
| Efficiency ratio | 81.5584% | 1,454 |
| Assets per employee ($millions) | 2.1174% | 6,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2831% | 184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 36.7697% | 5,758 |
| Net loans and leases to deposits | 44.4354% | 5,707 |
| Net loans and leases to core deposits | 47.3131% | 5,680 |
| Total domestic deposits to total assets | 82.7486% | 3,899 |
| Equity capital to assets | 14.6741% | 816 |
| Core capital (leverage) ratio | 14.6052% | 715 |
| Tier 1 risk-based capital ratio | 29.8272% | 536 |
| Total risk-based capital ratio | 31.0889% | 525 |
| Memoranda: | ||
| Average total assets | $15,752,000 | 6,230 |
| Average earning assets | $14,529,250 | 6,213 |
| Average equity | $2,147,500 | 6,166 |
| Average total loans | $5,975,250 | 6,188 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 5,109 |
| Cost of funding earning assets | 0.2336% | 5,109 |
| Net interest margin | 3.2159% | 4,611 |
| Noninterest income to average assets | 0.2988% | 4,819 |
| Noninterest expense to average assets | 2.5900% | 3,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4981% | 4,775 |
| Return on assets (ROA) | 0.4981% | 4,882 |
| Pretax return on assets | 0.6226% | 4,920 |
| Return on Equity (ROE) | 3.7412% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.7412% | 3,634 |
| Net charge-offs to loans | 0.3942% | 661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.1667% | 3,082 |
| Efficiency ratio | 80.6202% | 1,671 |
| Assets per employee ($millions) | 2.1697% | 6,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5510% | 154 |
| Loan loss allowance to noncurrent loans | 2,742.8571% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 5,675 |
| Noncurrent loans to loans | 0.1295% | 5,234 |
| Net loans and leases to total assets | 34.3363% | 5,891 |
| Net loans and leases to deposits | 40.1927% | 5,893 |
| Net loans and leases to core deposits | 43.5309% | 5,846 |
| Total domestic deposits to total assets | 85.4293% | 2,955 |
| Equity capital to assets | 14.2152% | 906 |
| Core capital (leverage) ratio | 13.6767% | 935 |
| Tier 1 risk-based capital ratio | 30.9135% | 493 |
| Total risk-based capital ratio | 32.1879% | 489 |
| Memoranda: | ||
| Average total assets | $16,062,000 | 6,302 |
| Average earning assets | $14,552,670 | 6,287 |
| Average equity | $2,138,330 | 6,243 |
| Average total loans | $6,088,670 | 6,258 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3576% | 5,307 |
| Cost of funding earning assets | 0.2417% | 5,110 |
| Net interest margin | 3.1159% | 4,903 |
| Noninterest income to average assets | 0.2667% | 5,046 |
| Noninterest expense to average assets | 2.5214% | 4,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4364% | 4,922 |
| Return on assets (ROA) | 0.4364% | 5,044 |
| Pretax return on assets | 0.5576% | 5,032 |
| Return on Equity (ROE) | 3.3835% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.3835% | 3,953 |
| Net charge-offs to loans | 0.7466% | 314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.9167% | 2,850 |
| Efficiency ratio | 81.8898% | 1,635 |
| Assets per employee ($millions) | 2.3727% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2301% | 231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 34.6318% | 5,898 |
| Net loans and leases to deposits | 39.8310% | 5,921 |
| Net loans and leases to core deposits | 43.5857% | 5,854 |
| Total domestic deposits to total assets | 86.9468% | 2,400 |
| Equity capital to assets | 12.8665% | 1,470 |
| Core capital (leverage) ratio | 12.7635% | 1,250 |
| Tier 1 risk-based capital ratio | 27.8618% | 659 |
| Total risk-based capital ratio | 29.1265% | 643 |
| Memoranda: | ||
| Average total assets | $16,499,000 | 6,362 |
| Average earning assets | $14,891,500 | 6,346 |
| Average equity | $2,128,000 | 6,309 |
| Average total loans | $6,429,500 | 6,320 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 4,930 |
| Cost of funding earning assets | 0.3110% | 4,673 |
| Net interest margin | 3.3393% | 4,440 |
| Noninterest income to average assets | 0.3089% | 4,907 |
| Noninterest expense to average assets | 3.1783% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1922% | 5,783 |
| Return on assets (ROA) | 0.1922% | 5,834 |
| Pretax return on assets | 0.2265% | 5,826 |
| Return on Equity (ROE) | 1.3195% | 5,931 |
| Retained earnings to average equity (ytd only) | 1.0368% | 5,305 |
| Net charge-offs to loans | 0.5423% | 748 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.9429% | 4,534 |
| Efficiency ratio | 93.3468% | 631 |
| Assets per employee ($millions) | 2.3413% | 6,254 |
| Cash dividends to net income (ytd only)* | 21.4286% | 3,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9501% | 314 |
| Loan loss allowance to noncurrent loans | 1,569.2308% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 5,711 |
| Noncurrent loans to loans | 0.1880% | 5,156 |
| Net loans and leases to total assets | 40.9482% | 5,690 |
| Net loans and leases to deposits | 47.0716% | 5,739 |
| Net loans and leases to core deposits | 51.9628% | 5,617 |
| Total domestic deposits to total assets | 86.9913% | 2,296 |
| Equity capital to assets | 12.9294% | 1,403 |
| Core capital (leverage) ratio | 13.7046% | 900 |
| Tier 1 risk-based capital ratio | 25.3317% | 809 |
| Total risk-based capital ratio | 26.5989% | 796 |
| Memoranda: | ||
| Average total assets | $14,567,600 | 6,468 |
| Average earning assets | $13,506,000 | 6,452 |
| Average equity | $2,122,000 | 6,388 |
| Average total loans | $6,454,200 | 6,410 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7028% | 4,846 |
| Cost of funding earning assets | 0.3229% | 4,644 |
| Net interest margin | 3.3800% | 4,313 |
| Noninterest income to average assets | 0.3307% | 4,793 |
| Noninterest expense to average assets | 2.9194% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4441% | 5,101 |
| Return on assets (ROA) | 0.4441% | 5,173 |
| Pretax return on assets | 0.5764% | 5,104 |
| Return on Equity (ROE) | 2.9523% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.9523% | 4,493 |
| Net charge-offs to loans | 0.7362% | 463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.7427% | 4,086 |
| Efficiency ratio | 83.5135% | 1,447 |
| Assets per employee ($millions) | 1.9254% | 6,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3192% | 263 |
| Loan loss allowance to noncurrent loans | 1,457.1429% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 5,752 |
| Noncurrent loans to loans | 0.2278% | 5,213 |
| Net loans and leases to total assets | 44.0867% | 5,518 |
| Net loans and leases to deposits | 52.8272% | 5,476 |
| Net loans and leases to core deposits | 59.9778% | 5,190 |
| Total domestic deposits to total assets | 83.4545% | 3,971 |
| Equity capital to assets | 15.9074% | 580 |
| Core capital (leverage) ratio | 15.7520% | 513 |
| Tier 1 risk-based capital ratio | 29.1423% | 569 |
| Total risk-based capital ratio | 30.4064% | 558 |
| Memoranda: | ||
| Average total assets | $14,112,250 | 6,551 |
| Average earning assets | $13,214,750 | 6,535 |
| Average equity | $2,122,750 | 6,463 |
| Average total loans | $6,339,000 | 6,488 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 4,784 |
| Cost of funding earning assets | 0.3304% | 4,642 |
| Net interest margin | 3.3937% | 4,204 |
| Noninterest income to average assets | 0.3211% | 4,850 |
| Noninterest expense to average assets | 2.8065% | 3,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5446% | 4,625 |
| Return on assets (ROA) | 0.5446% | 4,723 |
| Pretax return on assets | 0.6702% | 4,735 |
| Return on Equity (ROE) | 3.6868% | 5,276 |
| Retained earnings to average equity (ytd only) | 3.6868% | 3,845 |
| Net charge-offs to loans | 1.0932% | 307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.3714% | 3,824 |
| Efficiency ratio | 80.7229% | 1,916 |
| Assets per employee ($millions) | 2.0027% | 6,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2824% | 282 |
| Loan loss allowance to noncurrent loans | 10,200.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 6,200 |
| Noncurrent loans to loans | 0.0322% | 5,964 |
| Net loans and leases to total assets | 42.8775% | 5,618 |
| Net loans and leases to deposits | 50.8459% | 5,570 |
| Net loans and leases to core deposits | 57.3350% | 5,315 |
| Total domestic deposits to total assets | 84.3284% | 3,807 |
| Equity capital to assets | 15.2365% | 649 |
| Core capital (leverage) ratio | 14.8850% | 625 |
| Tier 1 risk-based capital ratio | 28.5982% | 608 |
| Total risk-based capital ratio | 29.8701% | 594 |
| Memoranda: | ||
| Average total assets | $14,323,670 | 6,616 |
| Average earning assets | $13,318,670 | 6,599 |
| Average equity | $2,115,670 | 6,523 |
| Average total loans | $6,403,330 | 6,548 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7736% | 4,595 |
| Cost of funding earning assets | 0.3294% | 4,742 |
| Net interest margin | 3.4441% | 3,924 |
| Noninterest income to average assets | 0.3316% | 4,720 |
| Noninterest expense to average assets | 2.9290% | 3,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4697% | 4,839 |
| Return on assets (ROA) | 0.4697% | 4,915 |
| Pretax return on assets | 0.5803% | 4,895 |
| Return on Equity (ROE) | 3.2296% | 5,378 |
| Retained earnings to average equity (ytd only) | 3.2296% | 4,184 |
| Net charge-offs to loans | 2.1547% | 113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 3,303 |
| Efficiency ratio | 83.4646% | 1,737 |
| Assets per employee ($millions) | 2.0499% | 6,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3295% | 308 |
| Loan loss allowance to noncurrent loans | 118.6047% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 2,860 |
| Noncurrent loans to loans | 2.8072% | 1,183 |
| Net loans and leases to total assets | 41.2781% | 5,725 |
| Net loans and leases to deposits | 48.5532% | 5,697 |
| Net loans and leases to core deposits | 54.5346% | 5,466 |
| Total domestic deposits to total assets | 85.0164% | 3,856 |
| Equity capital to assets | 14.7327% | 728 |
| Core capital (leverage) ratio | 14.4993% | 701 |
| Tier 1 risk-based capital ratio | 28.7893% | 589 |
| Total risk-based capital ratio | 30.0558% | 577 |
| Memoranda: | ||
| Average total assets | $14,476,000 | 6,689 |
| Average earning assets | $13,356,000 | 6,671 |
| Average equity | $2,105,500 | 6,586 |
| Average total loans | $6,497,500 | 6,612 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7319% | 5,031 |
| Cost of funding earning assets | 0.3619% | 5,031 |
| Net interest margin | 3.3700% | 4,403 |
| Noninterest income to average assets | 0.3501% | 4,813 |
| Noninterest expense to average assets | 2.8362% | 3,590 |
| Loan and lease loss provision to assets | 0.1857% | 1,981 |
| Net operating income to assets | 0.4429% | 4,987 |
| Return on assets (ROA) | 0.4429% | 5,108 |
| Pretax return on assets | 0.5215% | 5,138 |
| Return on Equity (ROE) | 3.0088% | 5,507 |
| Retained earnings to average equity (ytd only) | 2.6691% | 4,345 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0403% | 2,142 |
| Assets per employee ($millions) | 2.0861% | 6,614 |
| Cash dividends to net income (ytd only)* | 11.2903% | 3,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4799% | 296 |
| Loan loss allowance to noncurrent loans | 770.9677% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 5,644 |
| Noncurrent loans to loans | 0.4514% | 4,867 |
| Net loans and leases to total assets | 45.3948% | 5,543 |
| Net loans and leases to deposits | 53.0617% | 5,545 |
| Net loans and leases to core deposits | 59.4263% | 5,262 |
| Total domestic deposits to total assets | 85.5509% | 3,486 |
| Equity capital to assets | 14.3601% | 812 |
| Core capital (leverage) ratio | 14.4870% | 691 |
| Tier 1 risk-based capital ratio | 25.8857% | 780 |
| Total risk-based capital ratio | 27.1571% | 762 |
| Memoranda: | ||
| Average total assets | $13,997,600 | 6,770 |
| Average earning assets | $13,264,000 | 6,755 |
| Average equity | $2,060,600 | 6,676 |
| Average total loans | $6,100,600 | 6,711 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6999% | 5,170 |
| Cost of funding earning assets | 0.3649% | 5,144 |
| Net interest margin | 3.3351% | 4,513 |
| Noninterest income to average assets | 0.3659% | 4,773 |
| Noninterest expense to average assets | 2.8503% | 3,486 |
| Loan and lease loss provision to assets | 0.2504% | 1,428 |
| Net operating income to assets | 0.3659% | 5,384 |
| Return on assets (ROA) | 0.3659% | 5,521 |
| Pretax return on assets | 0.4333% | 5,542 |
| Return on Equity (ROE) | 2.4699% | 5,797 |
| Retained earnings to average equity (ytd only) | 2.4699% | 4,846 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6540% | 2,014 |
| Assets per employee ($millions) | 1.9666% | 6,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7585% | 274 |
| Loan loss allowance to noncurrent loans | 1,327.7778% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 6,047 |
| Noncurrent loans to loans | 0.2831% | 5,521 |
| Net loans and leases to total assets | 44.4574% | 5,690 |
| Net loans and leases to deposits | 52.7041% | 5,658 |
| Net loans and leases to core deposits | 61.0474% | 5,215 |
| Total domestic deposits to total assets | 84.3528% | 4,045 |
| Equity capital to assets | 15.1097% | 694 |
| Core capital (leverage) ratio | 15.0507% | 630 |
| Tier 1 risk-based capital ratio | 27.5825% | 657 |
| Total risk-based capital ratio | 28.8556% | 644 |
| Memoranda: | ||
| Average total assets | $13,846,250 | 6,849 |
| Average earning assets | $13,153,000 | 6,835 |
| Average equity | $2,051,500 | 6,763 |
| Average total loans | $5,908,750 | 6,788 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6155% | 5,386 |
| Cost of funding earning assets | 0.3631% | 5,293 |
| Net interest margin | 3.2524% | 4,763 |
| Noninterest income to average assets | 0.3748% | 4,714 |
| Noninterest expense to average assets | 2.8689% | 3,440 |
| Loan and lease loss provision to assets | 0.3748% | 866 |
| Net operating income to assets | 0.1586% | 6,008 |
| Return on assets (ROA) | 0.1586% | 6,115 |
| Pretax return on assets | 0.2307% | 6,029 |
| Return on Equity (ROE) | 1.0774% | 6,191 |
| Retained earnings to average equity (ytd only) | 1.0774% | 5,466 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5726% | 1,813 |
| Assets per employee ($millions) | 1.9834% | 6,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8673% | 284 |
| Loan loss allowance to noncurrent loans | 1,838.4615% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 6,212 |
| Noncurrent loans to loans | 0.2104% | 5,777 |
| Net loans and leases to total assets | 42.7903% | 5,841 |
| Net loans and leases to deposits | 50.4329% | 5,809 |
| Net loans and leases to core deposits | 58.2851% | 5,396 |
| Total domestic deposits to total assets | 84.8459% | 3,966 |
| Equity capital to assets | 14.7868% | 764 |
| Core capital (leverage) ratio | 14.6632% | 673 |
| Tier 1 risk-based capital ratio | 27.7770% | 644 |
| Total risk-based capital ratio | 29.0488% | 631 |
| Memoranda: | ||
| Average total assets | $13,873,000 | 6,898 |
| Average earning assets | $13,221,000 | 6,884 |
| Average equity | $2,042,000 | 6,810 |
| Average total loans | $5,758,670 | 6,841 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4791% | 5,759 |
| Cost of funding earning assets | 0.3630% | 5,429 |
| Net interest margin | 3.1160% | 5,207 |
| Noninterest income to average assets | 0.3750% | 4,665 |
| Noninterest expense to average assets | 2.8556% | 3,520 |
| Loan and lease loss provision to assets | 0.7500% | 303 |
| Net operating income to assets | -0.3173% | 6,587 |
| Return on assets (ROA) | -0.3173% | 6,618 |
| Pretax return on assets | -0.2596% | 6,577 |
| Return on Equity (ROE) | -2.1606% | 6,567 |
| Retained earnings to average equity (ytd only) | -2.1606% | 6,093 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3448% | 1,603 |
| Assets per employee ($millions) | 2.0010% | 6,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2189% | 243 |
| Loan loss allowance to noncurrent loans | 1,195.0000% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 6,149 |
| Noncurrent loans to loans | 0.3530% | 5,513 |
| Net loans and leases to total assets | 38.7378% | 6,100 |
| Net loans and leases to deposits | 45.4135% | 6,093 |
| Net loans and leases to core deposits | 51.6221% | 5,851 |
| Total domestic deposits to total assets | 85.3002% | 3,901 |
| Equity capital to assets | 14.4999% | 876 |
| Core capital (leverage) ratio | 14.5759% | 656 |
| Tier 1 risk-based capital ratio | 29.2104% | 569 |
| Total risk-based capital ratio | 30.4904% | 560 |
| Memoranda: | ||
| Average total assets | $13,867,500 | 6,974 |
| Average earning assets | $13,222,000 | 6,955 |
| Average equity | $2,036,500 | 6,875 |
| Average total loans | $5,548,000 | 6,919 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7180% | 6,016 |
| Cost of funding earning assets | 0.4307% | 5,716 |
| Net interest margin | 3.2873% | 5,291 |
| Noninterest income to average assets | 0.3819% | 4,739 |
| Noninterest expense to average assets | 3.3072% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2017% | 5,781 |
| Return on assets (ROA) | 0.2017% | 5,957 |
| Pretax return on assets | 0.2090% | 5,975 |
| Return on Equity (ROE) | 1.3660% | 6,049 |
| Retained earnings to average equity (ytd only) | 1.0245% | 5,364 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0574% | 795 |
| Assets per employee ($millions) | 1.9611% | 6,911 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9219% | 302 |
| Loan loss allowance to noncurrent loans | 546.1538% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 5,834 |
| Noncurrent loans to loans | 0.7181% | 4,746 |
| Net loans and leases to total assets | 38.0099% | 6,308 |
| Net loans and leases to deposits | 44.6747% | 6,330 |
| Net loans and leases to core deposits | 50.9421% | 6,088 |
| Total domestic deposits to total assets | 85.0816% | 3,825 |
| Equity capital to assets | 14.8747% | 775 |
| Core capital (leverage) ratio | 14.6748% | 633 |
| Tier 1 risk-based capital ratio | 29.5599% | 532 |
| Total risk-based capital ratio | 30.8338% | 525 |
| Memoranda: | ||
| Average total assets | $13,878,800 | 7,039 |
| Average earning assets | $13,232,800 | 7,021 |
| Average equity | $2,049,800 | 6,944 |
| Average total loans | $5,577,000 | 6,989 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 6,164 |
| Cost of funding earning assets | 0.4426% | 5,854 |
| Net interest margin | 3.2892% | 5,429 |
| Noninterest income to average assets | 0.3737% | 4,839 |
| Noninterest expense to average assets | 2.8550% | 3,772 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5652% | 4,545 |
| Return on assets (ROA) | 0.5652% | 4,816 |
| Pretax return on assets | 0.6515% | 5,007 |
| Return on Equity (ROE) | 3.8338% | 5,356 |
| Retained earnings to average equity (ytd only) | 3.8338% | 4,192 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4208% | 1,880 |
| Assets per employee ($millions) | 2.0543% | 6,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9933% | 311 |
| Loan loss allowance to noncurrent loans | 687.0968% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 6,173 |
| Noncurrent loans to loans | 0.5812% | 5,276 |
| Net loans and leases to total assets | 35.6120% | 6,572 |
| Net loans and leases to deposits | 41.8930% | 6,599 |
| Net loans and leases to core deposits | 46.4195% | 6,492 |
| Total domestic deposits to total assets | 85.0070% | 3,738 |
| Equity capital to assets | 14.4645% | 981 |
| Core capital (leverage) ratio | 14.7267% | 664 |
| Tier 1 risk-based capital ratio | 30.3783% | 511 |
| Total risk-based capital ratio | 31.6489% | 499 |
| Memoranda: | ||
| Average total assets | $13,916,500 | 7,135 |
| Average earning assets | $13,255,250 | 7,114 |
| Average equity | $2,051,750 | 7,034 |
| Average total loans | $5,613,500 | 7,081 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7422% | 6,268 |
| Cost of funding earning assets | 0.4509% | 5,969 |
| Net interest margin | 3.2913% | 5,466 |
| Noninterest income to average assets | 0.3633% | 4,931 |
| Noninterest expense to average assets | 2.8920% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5668% | 4,505 |
| Return on assets (ROA) | 0.5668% | 4,786 |
| Pretax return on assets | 0.6540% | 4,961 |
| Return on Equity (ROE) | 3.8192% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.8192% | 4,074 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5574% | 1,958 |
| Assets per employee ($millions) | 2.0357% | 7,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9018% | 370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 36.8140% | 6,563 |
| Net loans and leases to deposits | 43.2232% | 6,589 |
| Net loans and leases to core deposits | 47.9306% | 6,464 |
| Total domestic deposits to total assets | 85.1719% | 3,785 |
| Equity capital to assets | 14.4561% | 928 |
| Core capital (leverage) ratio | 15.3927% | 538 |
| Tier 1 risk-based capital ratio | 30.4959% | 501 |
| Total risk-based capital ratio | 31.7691% | 491 |
| Memoranda: | ||
| Average total assets | $13,762,000 | 7,198 |
| Average earning assets | $13,307,670 | 7,174 |
| Average equity | $2,042,330 | 7,085 |
| Average total loans | $5,706,670 | 7,137 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 6,090 |
| Cost of funding earning assets | 0.4570% | 6,104 |
| Net interest margin | 3.4124% | 5,069 |
| Noninterest income to average assets | 0.3551% | 5,031 |
| Noninterest expense to average assets | 2.8407% | 3,859 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7398% | 3,678 |
| Return on assets (ROA) | 0.7398% | 3,916 |
| Pretax return on assets | 0.8285% | 4,305 |
| Return on Equity (ROE) | 4.9176% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.9176% | 3,606 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4194% | 2,581 |
| Assets per employee ($millions) | 1.8576% | 7,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8975% | 402 |
| Loan loss allowance to noncurrent loans | 443.7500% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 5,960 |
| Noncurrent loans to loans | 0.8783% | 4,914 |
| Net loans and leases to total assets | 40.3907% | 6,318 |
| Net loans and leases to deposits | 48.0644% | 6,283 |
| Net loans and leases to core deposits | 53.9497% | 6,060 |
| Total domestic deposits to total assets | 84.0345% | 4,473 |
| Equity capital to assets | 15.7348% | 613 |
| Core capital (leverage) ratio | 14.6070% | 671 |
| Tier 1 risk-based capital ratio | 30.0927% | 517 |
| Total risk-based capital ratio | 31.3576% | 509 |
| Memoranda: | ||
| Average total assets | $13,518,000 | 7,261 |
| Average earning assets | $13,128,500 | 7,241 |
| Average equity | $2,033,500 | 7,143 |
| Average total loans | $5,830,500 | 7,195 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 5,904 |
| Cost of funding earning assets | 0.6135% | 6,024 |
| Net interest margin | 3.6413% | 4,557 |
| Noninterest income to average assets | 0.3634% | 4,905 |
| Noninterest expense to average assets | 3.4562% | 2,102 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4253% | 4,755 |
| Return on assets (ROA) | 0.4253% | 4,949 |
| Pretax return on assets | 0.4407% | 5,165 |
| Return on Equity (ROE) | 2.7552% | 5,387 |
| Retained earnings to average equity (ytd only) | 2.4046% | 4,506 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6905% | 1,296 |
| Assets per employee ($millions) | 2.0047% | 7,161 |
| Cash dividends to net income (ytd only)* | 12.7273% | 3,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4377% | 554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 42.6352% | 6,327 |
| Net loans and leases to deposits | 49.8542% | 6,373 |
| Net loans and leases to core deposits | 55.3520% | 6,203 |
| Total domestic deposits to total assets | 85.5198% | 3,584 |
| Equity capital to assets | 14.4018% | 929 |
| Core capital (leverage) ratio | 14.5553% | 703 |
| Tier 1 risk-based capital ratio | 26.4218% | 746 |
| Total risk-based capital ratio | 27.6899% | 732 |
| Memoranda: | ||
| Average total assets | $12,933,200 | 7,310 |
| Average earning assets | $12,550,600 | 7,289 |
| Average equity | $1,996,200 | 7,210 |
| Average total loans | $5,752,400 | 7,249 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 5,921 |
| Cost of funding earning assets | 0.6403% | 6,093 |
| Net interest margin | 3.6682% | 4,483 |
| Noninterest income to average assets | 0.3687% | 4,923 |
| Noninterest expense to average assets | 3.3390% | 2,374 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5161% | 4,470 |
| Return on assets (ROA) | 0.5161% | 4,661 |
| Pretax return on assets | 0.5898% | 4,846 |
| Return on Equity (ROE) | 3.2829% | 5,315 |
| Retained earnings to average equity (ytd only) | 3.2829% | 4,381 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9866% | 1,638 |
| Assets per employee ($millions) | 1.8517% | 7,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6604% | 502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 43.2495% | 6,405 |
| Net loans and leases to deposits | 51.6111% | 6,399 |
| Net loans and leases to core deposits | 57.9731% | 6,131 |
| Total domestic deposits to total assets | 83.7988% | 4,322 |
| Equity capital to assets | 15.5994% | 702 |
| Core capital (leverage) ratio | 15.6489% | 556 |
| Tier 1 risk-based capital ratio | 28.4829% | 622 |
| Total risk-based capital ratio | 29.7507% | 614 |
| Memoranda: | ||
| Average total assets | $12,658,250 | 7,388 |
| Average earning assets | $12,285,750 | 7,370 |
| Average equity | $1,990,000 | 7,283 |
| Average total loans | $5,641,500 | 7,324 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 6,119 |
| Cost of funding earning assets | 0.6565% | 6,197 |
| Net interest margin | 3.6105% | 4,683 |
| Noninterest income to average assets | 0.3823% | 4,827 |
| Noninterest expense to average assets | 3.6155% | 1,705 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2071% | 5,713 |
| Return on assets (ROA) | 0.2071% | 5,833 |
| Pretax return on assets | 0.2708% | 5,745 |
| Return on Equity (ROE) | 1.3136% | 5,999 |
| Retained earnings to average equity (ytd only) | 1.3136% | 5,324 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0328% | 1,040 |
| Assets per employee ($millions) | 1.8716% | 7,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7076% | 509 |
| Loan loss allowance to noncurrent loans | 3,550.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 6,982 |
| Noncurrent loans to loans | 0.1044% | 6,712 |
| Net loans and leases to total assets | 42.2258% | 6,577 |
| Net loans and leases to deposits | 50.0181% | 6,596 |
| Net loans and leases to core deposits | 54.6856% | 6,515 |
| Total domestic deposits to total assets | 84.4210% | 4,161 |
| Equity capital to assets | 15.1591% | 780 |
| Core capital (leverage) ratio | 14.8876% | 690 |
| Tier 1 risk-based capital ratio | 28.0985% | 651 |
| Total risk-based capital ratio | 29.3718% | 639 |
| Memoranda: | ||
| Average total assets | $12,557,000 | 7,464 |
| Average earning assets | $12,186,670 | 7,443 |
| Average equity | $1,979,330 | 7,349 |
| Average total loans | $5,582,330 | 7,401 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 6,216 |
| Cost of funding earning assets | 0.6710% | 6,294 |
| Net interest margin | 3.5565% | 4,782 |
| Noninterest income to average assets | 0.4558% | 4,227 |
| Noninterest expense to average assets | 3.6142% | 1,738 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1954% | 5,796 |
| Return on assets (ROA) | 0.1954% | 5,855 |
| Pretax return on assets | 0.2930% | 5,676 |
| Return on Equity (ROE) | 1.2146% | 6,068 |
| Retained earnings to average equity (ytd only) | 1.2146% | 5,335 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5000% | 1,134 |
| Assets per employee ($millions) | 1.7681% | 7,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9702% | 426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 41.6256% | 6,657 |
| Net loans and leases to deposits | 49.7009% | 6,645 |
| Net loans and leases to core deposits | 51.9407% | 6,679 |
| Total domestic deposits to total assets | 83.7521% | 4,596 |
| Equity capital to assets | 15.9893% | 579 |
| Core capital (leverage) ratio | 16.0503% | 490 |
| Tier 1 risk-based capital ratio | 29.9395% | 525 |
| Total risk-based capital ratio | 31.0287% | 521 |
| Memoranda: | ||
| Average total assets | $12,285,000 | 7,524 |
| Average earning assets | $11,922,000 | 7,502 |
| Average equity | $1,976,000 | 7,398 |
| Average total loans | $5,501,000 | 7,461 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7716% | 5,520 |
| Cost of funding earning assets | 0.9146% | 6,107 |
| Net interest margin | 3.8570% | 3,702 |
| Noninterest income to average assets | 0.4336% | 4,648 |
| Noninterest expense to average assets | 3.8277% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3419% | 4,782 |
| Return on assets (ROA) | 0.3419% | 4,942 |
| Pretax return on assets | 0.3336% | 5,134 |
| Return on Equity (ROE) | 2.0912% | 5,351 |
| Retained earnings to average equity (ytd only) | 1.7342% | 4,644 |
| Net charge-offs to loans | -0.3838% | 7,582 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9840% | 1,184 |
| Assets per employee ($millions) | 1.7419% | 7,504 |
| Cash dividends to net income (ytd only)* | 17.0732% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7786% | 479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 44.4845% | 6,675 |
| Net loans and leases to deposits | 53.5810% | 6,636 |
| Net loans and leases to core deposits | 56.0562% | 6,690 |
| Total domestic deposits to total assets | 83.0230% | 4,786 |
| Equity capital to assets | 16.1814% | 555 |
| Core capital (leverage) ratio | 15.3207% | 613 |
| Tier 1 risk-based capital ratio | 29.0746% | 540 |
| Total risk-based capital ratio | 30.3419% | 530 |
| Memoranda: | ||
| Average total assets | $11,991,400 | 7,609 |
| Average earning assets | $11,589,400 | 7,586 |
| Average equity | $1,960,600 | 7,507 |
| Average total loans | $5,732,600 | 7,538 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8348% | 5,528 |
| Cost of funding earning assets | 0.9600% | 6,131 |
| Net interest margin | 3.8748% | 3,639 |
| Noninterest income to average assets | 0.3908% | 5,033 |
| Noninterest expense to average assets | 3.6288% | 1,722 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4020% | 4,744 |
| Return on assets (ROA) | 0.4020% | 4,917 |
| Pretax return on assets | 0.5025% | 4,912 |
| Return on Equity (ROE) | 2.4521% | 5,448 |
| Retained earnings to average equity (ytd only) | 2.4521% | 4,707 |
| Net charge-offs to loans | -0.5095% | 7,682 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8378% | 1,463 |
| Assets per employee ($millions) | 1.6779% | 7,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8138% | 427 |
| Loan loss allowance to noncurrent loans | 788.8889% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 6,790 |
| Noncurrent loans to loans | 0.4834% | 6,226 |
| Net loans and leases to total assets | 45.7386% | 6,717 |
| Net loans and leases to deposits | 58.1259% | 6,451 |
| Net loans and leases to core deposits | 59.3985% | 6,646 |
| Total domestic deposits to total assets | 78.6888% | 6,091 |
| Equity capital to assets | 16.8157% | 543 |
| Core capital (leverage) ratio | 16.4913% | 492 |
| Tier 1 risk-based capital ratio | 29.6191% | 534 |
| Total risk-based capital ratio | 30.8938% | 517 |
| Memoranda: | ||
| Average total assets | $11,941,000 | 7,712 |
| Average earning assets | $11,527,250 | 7,687 |
| Average equity | $1,957,500 | 7,604 |
| Average total loans | $5,756,500 | 7,637 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8486% | 5,608 |
| Cost of funding earning assets | 0.9663% | 6,304 |
| Net interest margin | 3.8823% | 3,523 |
| Noninterest income to average assets | 0.3665% | 5,207 |
| Noninterest expense to average assets | 3.5981% | 1,787 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4164% | 4,680 |
| Return on assets (ROA) | 0.4164% | 4,839 |
| Pretax return on assets | 0.5164% | 4,853 |
| Return on Equity (ROE) | 2.5619% | 5,428 |
| Retained earnings to average equity (ytd only) | 2.5619% | 4,516 |
| Net charge-offs to loans | -0.4128% | 7,717 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4494% | 1,563 |
| Assets per employee ($millions) | 1.6593% | 7,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6386% | 496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 46.2850% | 6,764 |
| Net loans and leases to deposits | 56.0350% | 6,725 |
| Net loans and leases to core deposits | 58.7477% | 6,784 |
| Total domestic deposits to total assets | 82.6001% | 4,737 |
| Equity capital to assets | 16.9092% | 540 |
| Core capital (leverage) ratio | 16.4008% | 515 |
| Tier 1 risk-based capital ratio | 29.7305% | 523 |
| Total risk-based capital ratio | 31.0021% | 508 |
| Memoranda: | ||
| Average total assets | $12,006,330 | 7,775 |
| Average earning assets | $11,591,000 | 7,751 |
| Average equity | $1,951,670 | 7,667 |
| Average total loans | $5,813,670 | 7,701 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 5,785 |
| Cost of funding earning assets | 0.9856% | 6,440 |
| Net interest margin | 3.8403% | 3,621 |
| Noninterest income to average assets | 0.3606% | 5,254 |
| Noninterest expense to average assets | 3.5404% | 1,882 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4262% | 4,732 |
| Return on assets (ROA) | 0.4262% | 4,866 |
| Pretax return on assets | 0.5245% | 4,878 |
| Return on Equity (ROE) | 2.6728% | 5,496 |
| Retained earnings to average equity (ytd only) | 2.6728% | 4,544 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0968% | 1,677 |
| Assets per employee ($millions) | 1.7104% | 7,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2977% | 637 |
| Loan loss allowance to noncurrent loans | 1,273.3333% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 7,163 |
| Noncurrent loans to loans | 0.2590% | 6,811 |
| Net loans and leases to total assets | 46.7803% | 6,769 |
| Net loans and leases to deposits | 56.1166% | 6,767 |
| Net loans and leases to core deposits | 58.7230% | 6,834 |
| Total domestic deposits to total assets | 83.3626% | 4,449 |
| Equity capital to assets | 16.3033% | 633 |
| Core capital (leverage) ratio | 16.4976% | 505 |
| Tier 1 risk-based capital ratio | 28.3886% | 610 |
| Total risk-based capital ratio | 29.6539% | 596 |
| Memoranda: | ||
| Average total assets | $12,202,000 | 7,877 |
| Average earning assets | $11,770,000 | 7,852 |
| Average equity | $1,945,500 | 7,755 |
| Average total loans | $5,931,000 | 7,798 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4146% | 4,625 |
| Cost of funding earning assets | 1.3994% | 5,934 |
| Net interest margin | 4.0152% | 2,808 |
| Noninterest income to average assets | 0.3873% | 5,316 |
| Noninterest expense to average assets | 4.1723% | 1,126 |
| Loan and lease loss provision to assets | 0.3257% | 4,862 |
| Net operating income to assets | -0.1408% | 5,747 |
| Return on assets (ROA) | -0.1408% | 5,740 |
| Pretax return on assets | -0.2465% | 5,762 |
| Return on Equity (ROE) | -0.8162% | 5,672 |
| Retained earnings to average equity (ytd only) | -1.1222% | 5,290 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1366% | 1,207 |
| Assets per employee ($millions) | 1.7759% | 7,834 |
| Cash dividends to net income (ytd only)* | -37.5000% | 7,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1466% | 682 |
| Loan loss allowance to noncurrent loans | 1,273.3333% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 7,177 |
| Noncurrent loans to loans | 0.2471% | 6,805 |
| Net loans and leases to total assets | 47.2931% | 6,871 |
| Net loans and leases to deposits | 56.1509% | 6,913 |
| Net loans and leases to core deposits | 62.4429% | 7,174 |
| Total domestic deposits to total assets | 84.2249% | 3,932 |
| Equity capital to assets | 15.5981% | 768 |
| Core capital (leverage) ratio | 15.8843% | 633 |
| Tier 1 risk-based capital ratio | 27.2945% | 683 |
| Total risk-based capital ratio | 28.5614% | 666 |
| Memoranda: | ||
| Average total assets | $11,360,600 | 7,953 |
| Average earning assets | $10,933,400 | 7,931 |
| Average equity | $1,960,400 | 7,847 |
| Average total loans | $5,757,600 | 7,871 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5473% | 4,175 |
| Cost of funding earning assets | 1.4618% | 5,994 |
| Net interest margin | 4.0855% | 2,458 |
| Noninterest income to average assets | 0.3966% | 5,315 |
| Noninterest expense to average assets | 3.7020% | 1,814 |
| Loan and lease loss provision to assets | 0.4447% | 3,680 |
| Net operating income to assets | 0.0480% | 5,611 |
| Return on assets (ROA) | 0.0480% | 5,644 |
| Pretax return on assets | 0.1803% | 5,338 |
| Return on Equity (ROE) | 0.2711% | 5,694 |
| Retained earnings to average equity (ytd only) | 0.2711% | 5,086 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5556% | 2,116 |
| Assets per employee ($millions) | 1.5861% | 7,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4248% | 451 |
| Loan loss allowance to noncurrent loans | 734.6154% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 6,931 |
| Noncurrent loans to loans | 0.4662% | 6,389 |
| Net loans and leases to total assets | 48.5094% | 6,912 |
| Net loans and leases to deposits | 59.6522% | 6,855 |
| Net loans and leases to core deposits | 67.5107% | 7,090 |
| Total domestic deposits to total assets | 81.3204% | 4,952 |
| Equity capital to assets | 17.6979% | 541 |
| Core capital (leverage) ratio | 17.1721% | 529 |
| Tier 1 risk-based capital ratio | 30.6218% | 537 |
| Total risk-based capital ratio | 31.8529% | 522 |
| Memoranda: | ||
| Average total assets | $11,093,000 | 8,040 |
| Average earning assets | $10,671,750 | 8,013 |
| Average equity | $1,965,750 | 7,927 |
| Average total loans | $5,679,500 | 7,951 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5906% | 4,123 |
| Cost of funding earning assets | 1.4821% | 6,207 |
| Net interest margin | 4.1086% | 2,292 |
| Noninterest income to average assets | 0.3968% | 5,321 |
| Noninterest expense to average assets | 3.6430% | 1,964 |
| Loan and lease loss provision to assets | 0.6312% | 2,534 |
| Net operating income to assets | -0.0541% | 5,928 |
| Return on assets (ROA) | -0.0541% | 5,997 |
| Pretax return on assets | 0.0721% | 5,736 |
| Return on Equity (ROE) | -0.3052% | 5,968 |
| Retained earnings to average equity (ytd only) | -0.3052% | 5,300 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8174% | 2,499 |
| Assets per employee ($millions) | 1.6277% | 8,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4546% | 394 |
| Loan loss allowance to noncurrent loans | 129.4521% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 1.2814% | 4,374 |
| Noncurrent loans to loans | 2.6686% | 2,702 |
| Net loans and leases to total assets | 46.3577% | 7,171 |
| Net loans and leases to deposits | 56.5101% | 7,129 |
| Net loans and leases to core deposits | 63.4856% | 7,319 |
| Total domestic deposits to total assets | 82.0344% | 4,683 |
| Equity capital to assets | 17.1845% | 638 |
| Core capital (leverage) ratio | 17.4153% | 565 |
| Tier 1 risk-based capital ratio | 30.3096% | 588 |
| Total risk-based capital ratio | 31.5789% | 570 |
| Memoranda: | ||
| Average total assets | $11,089,670 | 8,131 |
| Average earning assets | $10,660,670 | 8,101 |
| Average equity | $1,966,000 | 8,009 |
| Average total loans | $5,713,670 | 8,037 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7722% | 3,424 |
| Cost of funding earning assets | 1.5291% | 6,314 |
| Net interest margin | 4.2431% | 1,767 |
| Noninterest income to average assets | 0.4389% | 4,884 |
| Noninterest expense to average assets | 3.6571% | 1,736 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7314% | 3,420 |
| Return on assets (ROA) | 0.7314% | 3,614 |
| Pretax return on assets | 0.8411% | 3,923 |
| Return on Equity (ROE) | 4.0609% | 4,900 |
| Retained earnings to average equity (ytd only) | 4.0609% | 3,637 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3008% | 2,640 |
| Assets per employee ($millions) | 1.5764% | 8,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6253% | 671 |
| Loan loss allowance to noncurrent loans | 85.5556% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.6312% | 3,465 |
| Noncurrent loans to loans | 3.0685% | 2,116 |
| Net loans and leases to total assets | 51.7626% | 6,711 |
| Net loans and leases to deposits | 63.5797% | 6,596 |
| Net loans and leases to core deposits | 71.6418% | 6,927 |
| Total domestic deposits to total assets | 81.4137% | 4,786 |
| Equity capital to assets | 17.9520% | 607 |
| Core capital (leverage) ratio | 18.0963% | 546 |
| Tier 1 risk-based capital ratio | 29.2355% | 674 |
| Total risk-based capital ratio | 30.5047% | 652 |
| Memoranda: | ||
| Average total assets | $10,937,500 | 8,182 |
| Average earning assets | $10,464,000 | 8,154 |
| Average equity | $1,970,000 | 8,060 |
| Average total loans | $5,835,000 | 8,086 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2878% | 4,036 |
| Cost of funding earning assets | 1.8975% | 6,731 |
| Net interest margin | 4.3904% | 1,716 |
| Noninterest income to average assets | 0.4360% | 5,163 |
| Noninterest expense to average assets | 3.9430% | 1,496 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5910% | 4,344 |
| Return on assets (ROA) | 0.5910% | 4,211 |
| Pretax return on assets | 0.7072% | 4,375 |
| Return on Equity (ROE) | 3.1505% | 5,175 |
| Retained earnings to average equity (ytd only) | 2.7890% | 3,445 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7917% | 1,982 |
| Assets per employee ($millions) | 1.5486% | 8,149 |
| Cash dividends to net income (ytd only)* | 11.4754% | 4,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6533% | 583 |
| Loan loss allowance to noncurrent loans | 308.0000% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 5,840 |
| Noncurrent loans to loans | 0.8615% | 4,900 |
| Net loans and leases to total assets | 52.1218% | 6,837 |
| Net loans and leases to deposits | 65.1372% | 6,703 |
| Net loans and leases to core deposits | 71.3564% | 7,119 |
| Total domestic deposits to total assets | 80.0185% | 5,014 |
| Equity capital to assets | 18.0720% | 641 |
| Core capital (leverage) ratio | 18.2980% | 572 |
| Tier 1 risk-based capital ratio | 29.0863% | 693 |
| Total risk-based capital ratio | 30.3471% | 677 |
| Memoranda: | ||
| Average total assets | $10,322,000 | 8,242 |
| Average earning assets | $9,908,000 | 8,218 |
| Average equity | $1,936,200 | 8,131 |
| Average total loans | $5,420,400 | 8,145 |