Home > The Dickinson County Bank > Performance and Condition Ratios
The Dickinson County 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 | 6.3123% | 427 |
| Cost of funding earning assets | 1.9961% | 923 |
| Net interest margin | 4.3163% | 792 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.5674% | 2,104 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.8179% | 595 |
| Return on assets (ROA) | 1.8179% | 577 |
| Pretax return on assets | 1.8445% | 835 |
| Return on Equity (ROE) | 16.2500% | 1,059 |
| Retained earnings to average equity (ytd only) | 16.2501% | 255 |
| Net charge-offs to loans | -0.2923% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.0248% | 3,393 |
| Assets per employee ($millions) | 4.6940% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8552% | 135 |
| 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 | 69.4000% | 1,880 |
| Net loans and leases to deposits | 84.9811% | 1,693 |
| Net loans and leases to core deposits | 84.9811% | 2,379 |
| Total domestic deposits to total assets | 81.6700% | 3,186 |
| Equity capital to assets | 12.2444% | 1,049 |
| Core capital (leverage) ratio | 12.1319% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $18,813,000 | 4,522 |
| Average earning assets | $17,584,600 | 4,487 |
| Average equity | $2,104,600 | 4,484 |
| Average total loans | $11,975,600 | 4,390 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0742% | 486 |
| Cost of funding earning assets | 1.8835% | 880 |
| Net interest margin | 4.1907% | 936 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.3943% | 2,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8347% | 620 |
| Return on assets (ROA) | 1.8347% | 612 |
| Pretax return on assets | 1.8488% | 927 |
| Return on Equity (ROE) | 16.8000% | 1,113 |
| Retained earnings to average equity (ytd only) | 16.7959% | 404 |
| Net charge-offs to loans | -0.3329% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.4274% | 3,365 |
| Assets per employee ($millions) | 4.9160% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0545% | 117 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 1,863 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 63.5900% | 2,496 |
| Net loans and leases to deposits | 76.6238% | 2,367 |
| Net loans and leases to core deposits | 76.6238% | 2,823 |
| Total domestic deposits to total assets | 82.9900% | 3,020 |
| Equity capital to assets | 11.1930% | 1,280 |
| Core capital (leverage) ratio | 11.6837% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $18,822,250 | 4,548 |
| Average earning assets | $17,626,000 | 4,515 |
| Average equity | $2,056,000 | 4,511 |
| Average total loans | $11,616,000 | 4,422 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8664% | 525 |
| Cost of funding earning assets | 1.7749% | 775 |
| Net interest margin | 4.0915% | 1,094 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.4485% | 2,357 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7474% | 715 |
| Return on assets (ROA) | 1.7474% | 720 |
| Pretax return on assets | 1.7690% | 1,071 |
| Return on Equity (ROE) | 16.1400% | 1,240 |
| Retained earnings to average equity (ytd only) | 16.1381% | 460 |
| Net charge-offs to loans | -0.5184% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.0563% | 3,185 |
| Assets per employee ($millions) | 4.7160% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1898% | 118 |
| Loan loss allowance to noncurrent loans | 757.6923% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 1,824 |
| Noncurrent loans to loans | 0.4210% | 1,671 |
| Net loans and leases to total assets | 63.3900% | 2,442 |
| Net loans and leases to deposits | 76.5067% | 2,259 |
| Net loans and leases to core deposits | 77.7503% | 2,632 |
| Total domestic deposits to total assets | 82.8600% | 3,076 |
| Equity capital to assets | 11.0952% | 1,351 |
| Core capital (leverage) ratio | 11.4861% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $18,541,667 | 4,581 |
| Average earning assets | $17,353,000 | 4,544 |
| Average equity | $2,007,667 | 4,543 |
| Average total loans | $11,188,333 | 4,452 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8003% | 416 |
| Cost of funding earning assets | 1.4675% | 902 |
| Net interest margin | 4.3328% | 768 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.7203% | 1,620 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7845% | 694 |
| Return on assets (ROA) | 1.7845% | 687 |
| Pretax return on assets | 1.7845% | 1,096 |
| Return on Equity (ROE) | 16.6900% | 1,225 |
| Retained earnings to average equity (ytd only) | 16.6921% | 619 |
| Net charge-offs to loans | -1.0560% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.3865% | 2,911 |
| Assets per employee ($millions) | 3.7390% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6753% | 79 |
| Loan loss allowance to noncurrent loans | 755.7692% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2781% | 1,752 |
| Noncurrent loans to loans | 0.4863% | 1,501 |
| Net loans and leases to total assets | 55.0900% | 3,112 |
| Net loans and leases to deposits | 66.2763% | 2,913 |
| Net loans and leases to core deposits | 66.2763% | 3,203 |
| Total domestic deposits to total assets | 83.1300% | 3,274 |
| Equity capital to assets | 10.7676% | 1,426 |
| Core capital (leverage) ratio | 11.2011% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8942% | 506 |
| Memoranda: | ||
| Average total assets | $18,380,500 | 4,642 |
| Average earning assets | $17,171,500 | 4,612 |
| Average equity | $1,965,000 | 4,611 |
| Average total loans | $10,606,500 | 4,526 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 1,209 |
| Cost of funding earning assets | 0.7782% | 423 |
| Net interest margin | 3.4424% | 2,123 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.4367% | 2,313 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0201% | 2,497 |
| Return on assets (ROA) | 0.9265% | 2,797 |
| Pretax return on assets | 1.0068% | 3,057 |
| Return on Equity (ROE) | 9.2400% | 3,053 |
| Retained earnings to average equity (ytd only) | 5.3419% | 2,900 |
| Net charge-offs to loans | -0.1190% | 4,554 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.7311% | 1,873 |
| Assets per employee ($millions) | 3.6132% | 4,411 |
| Cash dividends to net income (ytd only)* | 42.1965% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4696% | 81 |
| Loan loss allowance to noncurrent loans | 467.9487% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4760% | 1,063 |
| Noncurrent loans to loans | 0.7414% | 1,011 |
| Net loans and leases to total assets | 56.2100% | 3,008 |
| Net loans and leases to deposits | 66.6864% | 2,843 |
| Net loans and leases to core deposits | 66.6864% | 3,083 |
| Total domestic deposits to total assets | 84.2900% | 3,149 |
| Equity capital to assets | 10.6111% | 1,404 |
| Core capital (leverage) ratio | 10.8798% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2045% | 536 |
| Memoranda: | ||
| Average total assets | $18,673,000 | 4,674 |
| Average earning assets | $17,604,200 | 4,642 |
| Average equity | $1,872,000 | 4,685 |
| Average total loans | $10,922,800 | 4,544 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 1,325 |
| Cost of funding earning assets | 0.6980% | 271 |
| Net interest margin | 3.2725% | 2,384 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.3231% | 2,562 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0007% | 2,480 |
| Return on assets (ROA) | 0.8783% | 2,943 |
| Pretax return on assets | 0.9632% | 3,129 |
| Return on Equity (ROE) | 8.8900% | 3,068 |
| Retained earnings to average equity (ytd only) | 3.6543% | 3,567 |
| Net charge-offs to loans | -0.1330% | 4,563 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.9089% | 2,043 |
| Assets per employee ($millions) | 3.7098% | 4,428 |
| Cash dividends to net income (ytd only)* | 58.8710% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1002% | 123 |
| Loan loss allowance to noncurrent loans | 459.4937% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 1,278 |
| Noncurrent loans to loans | 0.6747% | 1,209 |
| Net loans and leases to total assets | 61.1700% | 2,387 |
| Net loans and leases to deposits | 69.7786% | 2,383 |
| Net loans and leases to core deposits | 76.5949% | 2,155 |
| Total domestic deposits to total assets | 87.6600% | 2,531 |
| Equity capital to assets | 10.0383% | 1,601 |
| Core capital (leverage) ratio | 10.6824% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3099% | 703 |
| Memoranda: | ||
| Average total assets | $18,824,750 | 4,709 |
| Average earning assets | $17,764,000 | 4,679 |
| Average equity | $1,860,750 | 4,723 |
| Average total loans | $11,023,500 | 4,575 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7673% | 1,378 |
| Cost of funding earning assets | 0.7378% | 128 |
| Net interest margin | 3.0295% | 2,799 |
| Noninterest income to average assets | 0.4335% | 2,550 |
| Noninterest expense to average assets | 2.3154% | 2,505 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8881% | 2,631 |
| Return on assets (ROA) | 0.8881% | 2,604 |
| Pretax return on assets | 0.9833% | 2,787 |
| Return on Equity (ROE) | 9.0306% | 2,696 |
| Retained earnings to average equity (ytd only) | 1.1826% | 3,949 |
| Net charge-offs to loans | -0.1667% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1923% | 1,932 |
| Assets per employee ($millions) | 3.7770% | 4,460 |
| Cash dividends to net income (ytd only)* | 86.9048% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2717% | 108 |
| Loan loss allowance to noncurrent loans | 440.2439% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 1,309 |
| Noncurrent loans to loans | 0.7432% | 1,160 |
| Net loans and leases to total assets | 56.5158% | 2,698 |
| Net loans and leases to deposits | 64.1522% | 2,707 |
| Net loans and leases to core deposits | 68.9025% | 2,575 |
| Total domestic deposits to total assets | 88.0964% | 2,536 |
| Equity capital to assets | 9.6267% | 1,921 |
| Core capital (leverage) ratio | 10.3046% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4374% | 666 |
| Memoranda: | ||
| Average total assets | $18,916,667 | 4,743 |
| Average earning assets | $17,891,000 | 4,728 |
| Average equity | $1,860,333 | 4,751 |
| Average total loans | $10,795,000 | 4,644 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6948% | 1,284 |
| Cost of funding earning assets | 0.7837% | 96 |
| Net interest margin | 2.9110% | 2,799 |
| Noninterest income to average assets | 0.2958% | 3,349 |
| Noninterest expense to average assets | 2.2607% | 2,653 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7817% | 2,717 |
| Return on assets (ROA) | 0.7817% | 2,714 |
| Pretax return on assets | 0.7817% | 3,163 |
| Return on Equity (ROE) | 7.8661% | 2,735 |
| Retained earnings to average equity (ytd only) | 7.8661% | 1,624 |
| Net charge-offs to loans | -0.2998% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3056% | 1,709 |
| Assets per employee ($millions) | 3.8084% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3809% | 114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 3,335 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 54.0279% | 2,755 |
| Net loans and leases to deposits | 60.4679% | 2,862 |
| Net loans and leases to core deposits | 64.8308% | 2,731 |
| Total domestic deposits to total assets | 89.3499% | 1,902 |
| Equity capital to assets | 9.9044% | 1,970 |
| Core capital (leverage) ratio | 10.1280% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7070% | 587 |
| Memoranda: | ||
| Average total assets | $18,932,500 | 4,768 |
| Average earning assets | $17,863,000 | 4,753 |
| Average equity | $1,881,500 | 4,775 |
| Average total loans | $10,675,500 | 4,669 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8977% | 1,621 |
| Cost of funding earning assets | 0.8305% | 172 |
| Net interest margin | 3.0672% | 3,005 |
| Noninterest income to average assets | 0.7111% | 1,726 |
| Noninterest expense to average assets | 2.5284% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0667% | 2,430 |
| Return on assets (ROA) | 1.0667% | 2,503 |
| Pretax return on assets | 1.0384% | 3,157 |
| Return on Equity (ROE) | 10.5587% | 2,321 |
| Retained earnings to average equity (ytd only) | 10.5587% | 790 |
| Net charge-offs to loans | -0.5982% | 4,789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8861% | 1,630 |
| Assets per employee ($millions) | 3.7646% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2888% | 114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,430 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.9912% | 2,731 |
| Net loans and leases to deposits | 61.6058% | 2,926 |
| Net loans and leases to core deposits | 66.1110% | 2,809 |
| Total domestic deposits to total assets | 89.2631% | 1,373 |
| Equity capital to assets | 9.9718% | 2,681 |
| Core capital (leverage) ratio | 10.6434% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5400% | 594 |
| Memoranda: | ||
| Average total assets | $17,719,000 | 4,815 |
| Average earning assets | $16,497,000 | 4,799 |
| Average equity | $1,790,000 | 4,821 |
| Average total loans | $10,866,600 | 4,716 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9337% | 1,676 |
| Cost of funding earning assets | 0.8577% | 191 |
| Net interest margin | 3.0760% | 3,113 |
| Noninterest income to average assets | 0.8255% | 1,455 |
| Noninterest expense to average assets | 2.4307% | 2,342 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2536% | 1,974 |
| Return on assets (ROA) | 1.2536% | 2,046 |
| Pretax return on assets | 1.2459% | 2,784 |
| Return on Equity (ROE) | 12.3660% | 1,911 |
| Retained earnings to average equity (ytd only) | 12.3660% | 757 |
| Net charge-offs to loans | -1.2224% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1123% | 2,087 |
| Assets per employee ($millions) | 3.5072% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6301% | 95 |
| Loan loss allowance to noncurrent loans | 1,433.3333% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 2,584 |
| Noncurrent loans to loans | 0.2533% | 2,920 |
| Net loans and leases to total assets | 58.5880% | 2,413 |
| Net loans and leases to deposits | 66.1260% | 2,620 |
| Net loans and leases to core deposits | 71.3770% | 2,482 |
| Total domestic deposits to total assets | 88.6006% | 1,514 |
| Equity capital to assets | 10.5554% | 2,417 |
| Core capital (leverage) ratio | 10.8692% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0709% | 596 |
| Memoranda: | ||
| Average total assets | $17,443,000 | 4,890 |
| Average earning assets | $16,167,750 | 4,875 |
| Average equity | $1,768,250 | 4,896 |
| Average total loans | $10,907,500 | 4,789 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8140% | 2,031 |
| Cost of funding earning assets | 0.8600% | 220 |
| Net interest margin | 2.9540% | 3,437 |
| Noninterest income to average assets | 0.9993% | 1,071 |
| Noninterest expense to average assets | 2.3317% | 2,666 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3898% | 1,585 |
| Return on assets (ROA) | 1.3898% | 1,660 |
| Pretax return on assets | 1.3898% | 2,367 |
| Return on Equity (ROE) | 13.9027% | 1,441 |
| Retained earnings to average equity (ytd only) | 13.9027% | 561 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6543% | 2,638 |
| Assets per employee ($millions) | 3.4542% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6089% | 244 |
| Loan loss allowance to noncurrent loans | 494.8276% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 2,252 |
| Noncurrent loans to loans | 0.5272% | 2,090 |
| Net loans and leases to total assets | 62.0346% | 2,174 |
| Net loans and leases to deposits | 69.9621% | 2,413 |
| Net loans and leases to core deposits | 75.6051% | 2,277 |
| Total domestic deposits to total assets | 88.6689% | 1,470 |
| Equity capital to assets | 10.4684% | 2,419 |
| Core capital (leverage) ratio | 10.4713% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2608% | 669 |
| Memoranda: | ||
| Average total assets | $17,412,000 | 4,927 |
| Average earning assets | $16,046,000 | 4,912 |
| Average equity | $1,740,667 | 4,932 |
| Average total loans | $10,989,667 | 4,824 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1730% | 1,248 |
| Cost of funding earning assets | 0.8445% | 288 |
| Net interest margin | 3.3285% | 2,304 |
| Noninterest income to average assets | 0.2059% | 4,147 |
| Noninterest expense to average assets | 2.3795% | 2,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8923% | 3,146 |
| Return on assets (ROA) | 0.8923% | 3,229 |
| Pretax return on assets | 0.8923% | 3,619 |
| Return on Equity (ROE) | 9.1388% | 2,985 |
| Retained earnings to average equity (ytd only) | 9.1388% | 1,905 |
| Net charge-offs to loans | -0.0728% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 1,429 |
| Assets per employee ($millions) | 3.5504% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6494% | 214 |
| Loan loss allowance to noncurrent loans | 298.9691% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 1.9941% | 255 |
| Noncurrent loans to loans | 0.8862% | 1,528 |
| Net loans and leases to total assets | 60.0270% | 2,542 |
| Net loans and leases to deposits | 66.6000% | 2,852 |
| Net loans and leases to core deposits | 71.7141% | 2,723 |
| Total domestic deposits to total assets | 90.1307% | 760 |
| Equity capital to assets | 9.7228% | 2,977 |
| Core capital (leverage) ratio | 10.1617% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7935% | 817 |
| Memoranda: | ||
| Average total assets | $17,482,500 | 4,952 |
| Average earning assets | $16,103,500 | 4,940 |
| Average equity | $1,707,000 | 4,960 |
| Average total loans | $10,984,000 | 4,847 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6327% | 1,035 |
| Cost of funding earning assets | 1.0971% | 405 |
| Net interest margin | 3.5357% | 2,353 |
| Noninterest income to average assets | 0.4791% | 2,730 |
| Noninterest expense to average assets | 3.3249% | 878 |
| Loan and lease loss provision to assets | 0.6927% | 240 |
| Net operating income to assets | -0.3117% | 4,840 |
| Return on assets (ROA) | -0.3117% | 4,857 |
| Pretax return on assets | -0.2829% | 4,839 |
| Return on Equity (ROE) | -3.5239% | 4,878 |
| Retained earnings to average equity (ytd only) | -3.5239% | 4,796 |
| Net charge-offs to loans | 1.1185% | 116 |
| Credit loss provision to net charge-offs | 93.0233% | 2,903 |
| Earnings coverage of net charge-offs (x) | 0.5504% | 3,317 |
| Efficiency ratio | 89.0263% | 411 |
| Assets per employee ($millions) | 4.3033% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6039% | 226 |
| Loan loss allowance to noncurrent loans | 337.6471% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 2.5097% | 181 |
| Noncurrent loans to loans | 0.7712% | 1,785 |
| Net loans and leases to total assets | 62.3657% | 2,561 |
| Net loans and leases to deposits | 69.2894% | 2,955 |
| Net loans and leases to core deposits | 74.7979% | 2,837 |
| Total domestic deposits to total assets | 90.0076% | 565 |
| Equity capital to assets | 9.8065% | 3,310 |
| Core capital (leverage) ratio | 9.8215% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7235% | 1,102 |
| Memoranda: | ||
| Average total assets | $17,323,600 | 4,972 |
| Average earning assets | $15,951,800 | 4,960 |
| Average equity | $1,532,400 | 4,985 |
| Average total loans | $11,532,800 | 4,866 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8624% | 790 |
| Cost of funding earning assets | 1.1387% | 459 |
| Net interest margin | 3.7237% | 1,863 |
| Noninterest income to average assets | 0.2992% | 3,695 |
| Noninterest expense to average assets | 3.5216% | 686 |
| Loan and lease loss provision to assets | 0.1899% | 2,089 |
| Net operating income to assets | -0.0077% | 4,775 |
| Return on assets (ROA) | -0.0077% | 4,794 |
| Pretax return on assets | 0.0230% | 4,771 |
| Return on Equity (ROE) | -0.0877% | 4,796 |
| Retained earnings to average equity (ytd only) | -0.0877% | 4,489 |
| Net charge-offs to loans | -0.0571% | 4,703 |
| Credit loss provision to net charge-offs | -500.0000% | 3,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2505% | 255 |
| Assets per employee ($millions) | 4.5635% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8383% | 162 |
| Loan loss allowance to noncurrent loans | 154.2453% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 3.2596% | 121 |
| Noncurrent loans to loans | 1.8401% | 706 |
| Net loans and leases to total assets | 61.3235% | 3,082 |
| Net loans and leases to deposits | 67.9330% | 3,469 |
| Net loans and leases to core deposits | 72.9774% | 3,399 |
| Total domestic deposits to total assets | 90.2706% | 340 |
| Equity capital to assets | 9.5322% | 3,660 |
| Core capital (leverage) ratio | 10.0971% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1939% | 1,211 |
| Memoranda: | ||
| Average total assets | $17,378,250 | 5,002 |
| Average earning assets | $16,041,000 | 4,989 |
| Average equity | $1,520,500 | 5,017 |
| Average total loans | $11,667,000 | 4,896 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1702% | 605 |
| Cost of funding earning assets | 1.2449% | 437 |
| Net interest margin | 3.9253% | 1,512 |
| Noninterest income to average assets | 0.4214% | 2,965 |
| Noninterest expense to average assets | 3.7340% | 546 |
| Loan and lease loss provision to assets | 0.2926% | 1,471 |
| Net operating income to assets | -0.0351% | 4,803 |
| Return on assets (ROA) | -0.0351% | 4,809 |
| Pretax return on assets | 0.0117% | 4,781 |
| Return on Equity (ROE) | -0.4146% | 4,819 |
| Retained earnings to average equity (ytd only) | -0.4146% | 4,387 |
| Net charge-offs to loans | -0.0854% | 4,815 |
| Credit loss provision to net charge-offs | -500.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4638% | 335 |
| Assets per employee ($millions) | 2.9025% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8659% | 154 |
| Loan loss allowance to noncurrent loans | 297.2727% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 2.8309% | 180 |
| Noncurrent loans to loans | 0.9641% | 1,607 |
| Net loans and leases to total assets | 63.6405% | 2,926 |
| Net loans and leases to deposits | 69.5426% | 3,453 |
| Net loans and leases to core deposits | 74.8953% | 3,379 |
| Total domestic deposits to total assets | 91.5131% | 84 |
| Equity capital to assets | 8.3147% | 4,581 |
| Core capital (leverage) ratio | 8.5002% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2114% | 2,098 |
| Memoranda: | ||
| Average total assets | $17,086,333 | 5,035 |
| Average earning assets | $15,744,000 | 5,021 |
| Average equity | $1,447,333 | 5,052 |
| Average total loans | $11,715,667 | 4,924 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2977% | 554 |
| Cost of funding earning assets | 1.5100% | 259 |
| Net interest margin | 3.7877% | 2,024 |
| Noninterest income to average assets | 0.4018% | 3,084 |
| Noninterest expense to average assets | 4.0184% | 497 |
| Loan and lease loss provision to assets | 0.1418% | 1,965 |
| Net operating income to assets | -0.2600% | 4,875 |
| Return on assets (ROA) | -0.2600% | 4,846 |
| Pretax return on assets | -0.2600% | 4,835 |
| Return on Equity (ROE) | -3.0408% | 4,874 |
| Retained earnings to average equity (ytd only) | -3.0408% | 4,358 |
| Net charge-offs to loans | -0.0674% | 4,721 |
| Credit loss provision to net charge-offs | -300.0000% | 3,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0303% | 203 |
| Assets per employee ($millions) | 2.8128% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6059% | 212 |
| Loan loss allowance to noncurrent loans | 296.1165% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 2.8797% | 213 |
| Noncurrent loans to loans | 0.8800% | 1,853 |
| Net loans and leases to total assets | 67.5416% | 2,609 |
| Net loans and leases to deposits | 74.0051% | 3,274 |
| Net loans and leases to core deposits | 79.8417% | 3,210 |
| Total domestic deposits to total assets | 91.2662% | 83 |
| Equity capital to assets | 8.5382% | 4,813 |
| Core capital (leverage) ratio | 8.3035% | 4,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0348% | 2,271 |
| Memoranda: | ||
| Average total assets | $16,922,000 | 5,084 |
| Average earning assets | $15,629,500 | 5,072 |
| Average equity | $1,447,000 | 5,101 |
| Average total loans | $11,868,500 | 4,965 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6848% | 413 |
| Cost of funding earning assets | 1.4344% | 496 |
| Net interest margin | 4.2504% | 1,205 |
| Noninterest income to average assets | 0.7592% | 1,591 |
| Noninterest expense to average assets | 4.1697% | 437 |
| Loan and lease loss provision to assets | 0.1470% | 1,458 |
| Net operating income to assets | 0.3980% | 4,592 |
| Return on assets (ROA) | 0.3980% | 4,627 |
| Pretax return on assets | 0.3796% | 4,744 |
| Return on Equity (ROE) | 4.4128% | 4,369 |
| Retained earnings to average equity (ytd only) | 4.4128% | 2,754 |
| Net charge-offs to loans | -0.0322% | 4,727 |
| Credit loss provision to net charge-offs | -600.0000% | 4,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7875% | 404 |
| Assets per employee ($millions) | 2.8382% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 767 |
| Loan loss allowance to noncurrent loans | 106.1538% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 3.3942% | 139 |
| Noncurrent loans to loans | 1.6162% | 869 |
| Net loans and leases to total assets | 69.6342% | 2,456 |
| Net loans and leases to deposits | 76.5823% | 3,124 |
| Net loans and leases to core deposits | 82.5881% | 3,077 |
| Total domestic deposits to total assets | 90.9272% | 127 |
| Equity capital to assets | 8.8966% | 4,736 |
| Core capital (leverage) ratio | 8.7275% | 4,710 |
| Tier 1 risk-based capital ratio | 13.0412% | 3,772 |
| Total risk-based capital ratio | 14.2894% | 3,651 |
| Memoranda: | ||
| Average total assets | $16,332,000 | 5,145 |
| Average earning assets | $15,128,000 | 5,133 |
| Average equity | $1,473,000 | 5,159 |
| Average total loans | $12,435,400 | 5,022 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6692% | 439 |
| Cost of funding earning assets | 1.3795% | 613 |
| Net interest margin | 4.2897% | 1,183 |
| Noninterest income to average assets | 0.4373% | 3,091 |
| Noninterest expense to average assets | 4.1506% | 445 |
| Loan and lease loss provision to assets | 0.1485% | 1,281 |
| Net operating income to assets | 0.1403% | 4,992 |
| Return on assets (ROA) | 0.1403% | 5,011 |
| Pretax return on assets | 0.1155% | 5,031 |
| Return on Equity (ROE) | 1.5501% | 4,960 |
| Retained earnings to average equity (ytd only) | 1.5501% | 4,414 |
| Net charge-offs to loans | -0.0958% | 4,983 |
| Credit loss provision to net charge-offs | -200.0000% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0187% | 232 |
| Assets per employee ($millions) | 2.8535% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 1,015 |
| Loan loss allowance to noncurrent loans | 161.7188% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 3.8900% | 109 |
| Noncurrent loans to loans | 0.9820% | 1,632 |
| Net loans and leases to total assets | 74.9255% | 1,661 |
| Net loans and leases to deposits | 82.1360% | 2,671 |
| Net loans and leases to core deposits | 88.4324% | 2,690 |
| Total domestic deposits to total assets | 91.2213% | 77 |
| Equity capital to assets | 8.5684% | 4,969 |
| Core capital (leverage) ratio | 8.7223% | 4,817 |
| Tier 1 risk-based capital ratio | 12.4681% | 4,162 |
| Total risk-based capital ratio | 13.7260% | 4,040 |
| Memoranda: | ||
| Average total assets | $16,157,750 | 5,224 |
| Average earning assets | $14,981,250 | 5,213 |
| Average equity | $1,462,500 | 5,238 |
| Average total loans | $12,528,000 | 5,099 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6761% | 423 |
| Cost of funding earning assets | 1.3036% | 730 |
| Net interest margin | 4.3725% | 992 |
| Noninterest income to average assets | 0.4168% | 3,159 |
| Noninterest expense to average assets | 4.1675% | 432 |
| Loan and lease loss provision to assets | 0.1515% | 1,208 |
| Net operating income to assets | 0.2021% | 4,995 |
| Return on assets (ROA) | 0.2021% | 5,002 |
| Pretax return on assets | 0.1642% | 5,038 |
| Return on Equity (ROE) | 2.1903% | 4,916 |
| Retained earnings to average equity (ytd only) | 2.1903% | 4,054 |
| Net charge-offs to loans | -0.1295% | 5,054 |
| Credit loss provision to net charge-offs | -150.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9577% | 260 |
| Assets per employee ($millions) | 2.7407% | 5,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 1,196 |
| Loan loss allowance to noncurrent loans | 23.3645% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 6.1846% | 49 |
| Noncurrent loans to loans | 6.5289% | 56 |
| Net loans and leases to total assets | 78.5150% | 1,123 |
| Net loans and leases to deposits | 86.3612% | 2,215 |
| Net loans and leases to core deposits | 93.3011% | 2,302 |
| Total domestic deposits to total assets | 90.9146% | 116 |
| Equity capital to assets | 8.9212% | 4,839 |
| Core capital (leverage) ratio | 9.1779% | 4,489 |
| Tier 1 risk-based capital ratio | 12.0900% | 4,369 |
| Total risk-based capital ratio | 13.3427% | 4,253 |
| Memoranda: | ||
| Average total assets | $15,836,670 | 5,273 |
| Average earning assets | $14,728,330 | 5,261 |
| Average equity | $1,461,000 | 5,286 |
| Average total loans | $12,359,000 | 5,148 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9803% | 228 |
| Cost of funding earning assets | 1.2795% | 707 |
| Net interest margin | 4.7008% | 493 |
| Noninterest income to average assets | 0.3858% | 3,287 |
| Noninterest expense to average assets | 4.4752% | 296 |
| Loan and lease loss provision to assets | 0.1543% | 1,085 |
| Net operating income to assets | 0.1800% | 5,024 |
| Return on assets (ROA) | 0.1800% | 5,034 |
| Pretax return on assets | 0.1029% | 5,101 |
| Return on Equity (ROE) | 1.8951% | 4,979 |
| Retained earnings to average equity (ytd only) | 1.8951% | 4,092 |
| Net charge-offs to loans | -0.0334% | 4,688 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5652% | 258 |
| Assets per employee ($millions) | 3.2170% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4257% | 1,585 |
| Loan loss allowance to noncurrent loans | 24.1525% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 5.6699% | 57 |
| Noncurrent loans to loans | 5.9030% | 78 |
| Net loans and leases to total assets | 73.5033% | 1,899 |
| Net loans and leases to deposits | 81.0405% | 2,721 |
| Net loans and leases to core deposits | 81.0405% | 3,268 |
| Total domestic deposits to total assets | 90.6994% | 229 |
| Equity capital to assets | 9.2073% | 4,527 |
| Core capital (leverage) ratio | 9.4633% | 4,174 |
| Tier 1 risk-based capital ratio | 13.2968% | 3,718 |
| Total risk-based capital ratio | 14.5538% | 3,622 |
| Memoranda: | ||
| Average total assets | $15,552,500 | 5,331 |
| Average earning assets | $14,380,500 | 5,318 |
| Average equity | $1,477,500 | 5,343 |
| Average total loans | $11,985,500 | 5,210 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0777% | 149 |
| Cost of funding earning assets | 1.1573% | 402 |
| Net interest margin | 4.9204% | 311 |
| Noninterest income to average assets | 0.2781% | 4,240 |
| Noninterest expense to average assets | 4.0033% | 527 |
| Loan and lease loss provision to assets | 0.1391% | 1,548 |
| Net operating income to assets | 0.6075% | 4,394 |
| Return on assets (ROA) | 0.6075% | 4,404 |
| Pretax return on assets | 0.7099% | 4,388 |
| Return on Equity (ROE) | 5.7663% | 4,242 |
| Retained earnings to average equity (ytd only) | 2.0842% | 4,324 |
| Net charge-offs to loans | 0.1544% | 1,244 |
| Credit loss provision to net charge-offs | 111.7647% | 2,313 |
| Earnings coverage of net charge-offs (x) | 6.8235% | 3,045 |
| Efficiency ratio | 82.5038% | 747 |
| Assets per employee ($millions) | 3.0040% | 4,991 |
| Cash dividends to net income (ytd only)* | 63.8554% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 1,722 |
| Loan loss allowance to noncurrent loans | 20.8333% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 6.6578% | 40 |
| Noncurrent loans to loans | 6.6127% | 60 |
| Net loans and leases to total assets | 78.6418% | 1,161 |
| Net loans and leases to deposits | 87.3798% | 2,128 |
| Net loans and leases to core deposits | 87.3798% | 2,802 |
| Total domestic deposits to total assets | 90.0000% | 481 |
| Equity capital to assets | 9.8136% | 3,849 |
| Core capital (leverage) ratio | 9.9634% | 3,623 |
| Tier 1 risk-based capital ratio | 13.3819% | 3,618 |
| Total risk-based capital ratio | 14.6381% | 3,508 |
| Memoranda: | ||
| Average total assets | $13,663,600 | 5,387 |
| Average earning assets | $12,702,200 | 5,373 |
| Average equity | $1,439,400 | 5,385 |
| Average total loans | $11,007,000 | 5,267 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1525% | 124 |
| Cost of funding earning assets | 1.1186% | 365 |
| Net interest margin | 5.0338% | 252 |
| Noninterest income to average assets | 0.2702% | 4,345 |
| Noninterest expense to average assets | 3.8425% | 635 |
| Loan and lease loss provision to assets | 0.1401% | 1,421 |
| Net operating income to assets | 0.8406% | 3,774 |
| Return on assets (ROA) | 0.8406% | 3,778 |
| Pretax return on assets | 0.9706% | 3,816 |
| Return on Equity (ROE) | 7.8281% | 3,614 |
| Retained earnings to average equity (ytd only) | 2.8887% | 4,275 |
| Net charge-offs to loans | 0.0991% | 1,502 |
| Credit loss provision to net charge-offs | 175.0000% | 1,531 |
| Earnings coverage of net charge-offs (x) | 13.8707% | 2,320 |
| Efficiency ratio | 77.5758% | 1,163 |
| Assets per employee ($millions) | 2.8276% | 5,142 |
| Cash dividends to net income (ytd only)* | 63.0893% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 1,339 |
| Loan loss allowance to noncurrent loans | 16.1597% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 8.9122% | 27 |
| Noncurrent loans to loans | 9.2925% | 35 |
| Net loans and leases to total assets | 78.8725% | 1,188 |
| Net loans and leases to deposits | 88.2479% | 2,121 |
| Net loans and leases to core deposits | 88.2479% | 2,828 |
| Total domestic deposits to total assets | 89.3761% | 712 |
| Equity capital to assets | 10.4117% | 3,225 |
| Core capital (leverage) ratio | 10.5471% | 3,043 |
| Tier 1 risk-based capital ratio | 13.7392% | 3,492 |
| Total risk-based capital ratio | 14.9925% | 3,411 |
| Memoranda: | ||
| Average total assets | $13,324,500 | 5,459 |
| Average earning assets | $12,395,750 | 5,448 |
| Average equity | $1,430,750 | 5,456 |
| Average total loans | $10,764,500 | 5,336 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7317% | 222 |
| Cost of funding earning assets | 1.0376% | 391 |
| Net interest margin | 4.6941% | 442 |
| Noninterest income to average assets | 0.2451% | 4,540 |
| Noninterest expense to average assets | 3.9683% | 554 |
| Loan and lease loss provision to assets | 0.1379% | 1,418 |
| Net operating income to assets | 0.3218% | 5,090 |
| Return on assets (ROA) | 0.3218% | 5,084 |
| Pretax return on assets | 0.5056% | 4,893 |
| Return on Equity (ROE) | 2.9640% | 5,034 |
| Retained earnings to average equity (ytd only) | -4.5166% | 5,267 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0465% | 563 |
| Assets per employee ($millions) | 2.6872% | 5,269 |
| Cash dividends to net income (ytd only)* | 252.3810% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5464% | 1,251 |
| Loan loss allowance to noncurrent loans | 14.3446% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 9.6978% | 23 |
| Noncurrent loans to loans | 10.7803% | 27 |
| Net loans and leases to total assets | 82.4501% | 662 |
| Net loans and leases to deposits | 92.3783% | 1,534 |
| Net loans and leases to core deposits | 92.3783% | 2,369 |
| Total domestic deposits to total assets | 89.2528% | 831 |
| Equity capital to assets | 10.4942% | 3,126 |
| Core capital (leverage) ratio | 10.5937% | 2,930 |
| Tier 1 risk-based capital ratio | 13.8686% | 3,429 |
| Total risk-based capital ratio | 15.1213% | 3,338 |
| Memoranda: | ||
| Average total assets | $13,053,330 | 5,524 |
| Average earning assets | $12,143,000 | 5,513 |
| Average equity | $1,417,000 | 5,520 |
| Average total loans | $10,579,000 | 5,403 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9000% | 160 |
| Cost of funding earning assets | 0.9667% | 435 |
| Net interest margin | 4.9333% | 256 |
| Noninterest income to average assets | 0.2799% | 4,302 |
| Noninterest expense to average assets | 4.2295% | 391 |
| Loan and lease loss provision to assets | 0.1555% | 1,163 |
| Net operating income to assets | 0.2488% | 5,183 |
| Return on assets (ROA) | 0.2488% | 5,184 |
| Pretax return on assets | 0.4976% | 4,875 |
| Return on Equity (ROE) | 2.2527% | 5,145 |
| Retained earnings to average equity (ytd only) | -12.6716% | 5,423 |
| Net charge-offs to loans | -0.0391% | 4,863 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6242% | 604 |
| Assets per employee ($millions) | 2.6590% | 5,351 |
| Cash dividends to net income (ytd only)* | 662.5000% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 1,024 |
| Loan loss allowance to noncurrent loans | 14.3463% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 9.5374% | 21 |
| Noncurrent loans to loans | 11.6036% | 18 |
| Net loans and leases to total assets | 75.0884% | 1,696 |
| Net loans and leases to deposits | 84.1028% | 2,379 |
| Net loans and leases to core deposits | 84.1028% | 2,974 |
| Total domestic deposits to total assets | 89.2817% | 970 |
| Equity capital to assets | 10.5002% | 3,077 |
| Core capital (leverage) ratio | 10.7698% | 2,663 |
| Tier 1 risk-based capital ratio | 14.7177% | 3,020 |
| Total risk-based capital ratio | 15.9759% | 2,935 |
| Memoranda: | ||
| Average total assets | $12,862,000 | 5,588 |
| Average earning assets | $12,000,000 | 5,575 |
| Average equity | $1,420,500 | 5,582 |
| Average total loans | $10,242,500 | 5,473 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2757% | 100 |
| Cost of funding earning assets | 0.8653% | 450 |
| Net interest margin | 5.4104% | 119 |
| Noninterest income to average assets | 0.3821% | 3,750 |
| Noninterest expense to average assets | 3.5383% | 972 |
| Loan and lease loss provision to assets | 0.2076% | 972 |
| Net operating income to assets | 1.5283% | 756 |
| Return on assets (ROA) | 1.5283% | 762 |
| Pretax return on assets | 1.5698% | 1,382 |
| Return on Equity (ROE) | 13.4169% | 864 |
| Retained earnings to average equity (ytd only) | 11.8127% | 186 |
| Net charge-offs to loans | 0.1127% | 1,934 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 21.4000% | 1,909 |
| Efficiency ratio | 66.5625% | 3,157 |
| Assets per employee ($millions) | 2.4858% | 5,465 |
| Cash dividends to net income (ytd only)* | 11.9565% | 3,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 1,166 |
| Loan loss allowance to noncurrent loans | 78.0952% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 2.4137% | 400 |
| Noncurrent loans to loans | 2.0323% | 745 |
| Net loans and leases to total assets | 81.8167% | 704 |
| Net loans and leases to deposits | 92.8506% | 1,401 |
| Net loans and leases to core deposits | 92.8506% | 2,293 |
| Total domestic deposits to total assets | 88.1165% | 1,429 |
| Equity capital to assets | 11.6260% | 2,100 |
| Core capital (leverage) ratio | 11.0146% | 2,324 |
| Tier 1 risk-based capital ratio | 16.8114% | 2,156 |
| Total risk-based capital ratio | 18.0666% | 2,108 |
| Memoranda: | ||
| Average total assets | $12,039,600 | 5,654 |
| Average earning assets | $10,978,800 | 5,644 |
| Average equity | $1,371,400 | 5,650 |
| Average total loans | $8,869,800 | 5,560 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0884% | 119 |
| Cost of funding earning assets | 0.7872% | 621 |
| Net interest margin | 5.3012% | 143 |
| Noninterest income to average assets | 0.4578% | 3,290 |
| Noninterest expense to average assets | 3.3494% | 1,249 |
| Loan and lease loss provision to assets | 0.2345% | 770 |
| Net operating income to assets | 1.6300% | 662 |
| Return on assets (ROA) | 1.6300% | 684 |
| Pretax return on assets | 1.6859% | 1,161 |
| Return on Equity (ROE) | 14.3873% | 758 |
| Retained earnings to average equity (ytd only) | 12.2195% | 276 |
| Net charge-offs to loans | 0.1255% | 1,530 |
| Credit loss provision to net charge-offs | 262.5000% | 1,092 |
| Earnings coverage of net charge-offs (x) | 21.4930% | 1,912 |
| Efficiency ratio | 63.5593% | 3,638 |
| Assets per employee ($millions) | 2.6630% | 5,456 |
| Cash dividends to net income (ytd only)* | 15.0673% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7647% | 913 |
| Loan loss allowance to noncurrent loans | 77.1429% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 2.4484% | 452 |
| Noncurrent loans to loans | 2.2876% | 697 |
| Net loans and leases to total assets | 67.7281% | 2,880 |
| Net loans and leases to deposits | 79.3908% | 3,028 |
| Net loans and leases to core deposits | 81.1701% | 3,361 |
| Total domestic deposits to total assets | 85.3098% | 2,591 |
| Equity capital to assets | 10.5821% | 3,278 |
| Core capital (leverage) ratio | 10.6132% | 2,865 |
| Tier 1 risk-based capital ratio | 17.7391% | 1,933 |
| Total risk-based capital ratio | 18.9980% | 1,872 |
| Memoranda: | ||
| Average total assets | $11,942,250 | 5,720 |
| Average earning assets | $10,840,000 | 5,709 |
| Average equity | $1,353,000 | 5,717 |
| Average total loans | $8,504,000 | 5,626 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2977% | 92 |
| Cost of funding earning assets | 0.6955% | 913 |
| Net interest margin | 5.6022% | 94 |
| Noninterest income to average assets | 0.4702% | 3,219 |
| Noninterest expense to average assets | 3.3088% | 1,359 |
| Loan and lease loss provision to assets | 0.1045% | 1,939 |
| Net operating income to assets | 2.0201% | 297 |
| Return on assets (ROA) | 2.0201% | 305 |
| Pretax return on assets | 2.1072% | 438 |
| Return on Equity (ROE) | 17.3870% | 381 |
| Retained earnings to average equity (ytd only) | 14.0895% | 177 |
| Net charge-offs to loans | 0.2657% | 769 |
| Credit loss provision to net charge-offs | 54.5455% | 2,510 |
| Earnings coverage of net charge-offs (x) | 11.5455% | 2,266 |
| Efficiency ratio | 59.9369% | 4,323 |
| Assets per employee ($millions) | 3.2100% | 5,080 |
| Cash dividends to net income (ytd only)* | 18.9655% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 1,150 |
| Loan loss allowance to noncurrent loans | 84.7059% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 2.2274% | 532 |
| Noncurrent loans to loans | 1.9529% | 875 |
| Net loans and leases to total assets | 66.6745% | 3,009 |
| Net loans and leases to deposits | 78.3759% | 3,080 |
| Net loans and leases to core deposits | 80.9627% | 3,349 |
| Total domestic deposits to total assets | 85.0701% | 2,780 |
| Equity capital to assets | 10.7555% | 3,073 |
| Core capital (leverage) ratio | 11.8665% | 1,714 |
| Tier 1 risk-based capital ratio | 18.0915% | 1,831 |
| Total risk-based capital ratio | 19.3506% | 1,781 |
| Memoranda: | ||
| Average total assets | $11,484,670 | 5,773 |
| Average earning assets | $10,353,000 | 5,762 |
| Average equity | $1,334,330 | 5,768 |
| Average total loans | $8,278,670 | 5,681 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3150% | 88 |
| Cost of funding earning assets | 0.6151% | 1,268 |
| Net interest margin | 5.6999% | 93 |
| Noninterest income to average assets | 0.4812% | 3,105 |
| Noninterest expense to average assets | 3.7383% | 738 |
| Loan and lease loss provision to assets | 0.1110% | 1,725 |
| Net operating income to assets | 1.7766% | 469 |
| Return on assets (ROA) | 1.7766% | 480 |
| Pretax return on assets | 1.7766% | 841 |
| Return on Equity (ROE) | 14.6453% | 693 |
| Retained earnings to average equity (ytd only) | 14.6453% | 254 |
| Net charge-offs to loans | 0.3472% | 527 |
| Credit loss provision to net charge-offs | 42.8571% | 2,044 |
| Earnings coverage of net charge-offs (x) | 7.2857% | 2,149 |
| Efficiency ratio | 66.4474% | 3,419 |
| Assets per employee ($millions) | 2.7520% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7593% | 1,036 |
| Loan loss allowance to noncurrent loans | 76.7196% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 2.7707% | 385 |
| Noncurrent loans to loans | 2.2931% | 723 |
| Net loans and leases to total assets | 73.5556% | 1,812 |
| Net loans and leases to deposits | 88.5983% | 1,721 |
| Net loans and leases to core deposits | 92.1160% | 2,154 |
| Total domestic deposits to total assets | 83.0214% | 3,825 |
| Equity capital to assets | 12.1275% | 1,753 |
| Core capital (leverage) ratio | 11.7837% | 1,765 |
| Tier 1 risk-based capital ratio | 19.0739% | 1,601 |
| Total risk-based capital ratio | 20.3368% | 1,559 |
| Memoranda: | ||
| Average total assets | $10,807,000 | 5,842 |
| Average earning assets | $9,754,500 | 5,830 |
| Average equity | $1,311,000 | 5,835 |
| Average total loans | $8,065,500 | 5,752 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5533% | 232 |
| Cost of funding earning assets | 0.4170% | 2,839 |
| Net interest margin | 5.1363% | 191 |
| Noninterest income to average assets | 0.5823% | 2,750 |
| Noninterest expense to average assets | 4.1323% | 511 |
| Loan and lease loss provision to assets | 0.0188% | 3,998 |
| Net operating income to assets | 1.1552% | 1,676 |
| Return on assets (ROA) | 1.1552% | 1,769 |
| Pretax return on assets | 1.1740% | 2,784 |
| Return on Equity (ROE) | 9.8479% | 2,026 |
| Retained earnings to average equity (ytd only) | 7.6061% | 997 |
| Net charge-offs to loans | -0.0137% | 5,024 |
| Credit loss provision to net charge-offs | -200.0000% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6014% | 1,759 |
| Assets per employee ($millions) | 2.6515% | 5,584 |
| Cash dividends to net income (ytd only)* | 22.7642% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8887% | 827 |
| Loan loss allowance to noncurrent loans | 105.6738% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 2.4232% | 505 |
| Noncurrent loans to loans | 1.7873% | 1,064 |
| Net loans and leases to total assets | 72.9776% | 2,016 |
| Net loans and leases to deposits | 90.2098% | 1,659 |
| Net loans and leases to core deposits | 94.0347% | 2,104 |
| Total domestic deposits to total assets | 80.8976% | 4,359 |
| Equity capital to assets | 12.1346% | 1,715 |
| Core capital (leverage) ratio | 12.2118% | 1,469 |
| Tier 1 risk-based capital ratio | 20.3308% | 1,318 |
| Total risk-based capital ratio | 21.5834% | 1,293 |
| Memoranda: | ||
| Average total assets | $10,647,800 | 5,900 |
| Average earning assets | $9,832,000 | 5,887 |
| Average equity | $1,249,000 | 5,898 |
| Average total loans | $7,291,400 | 5,828 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4633% | 265 |
| Cost of funding earning assets | 0.4047% | 2,975 |
| Net interest margin | 5.0586% | 227 |
| Noninterest income to average assets | 0.6130% | 2,597 |
| Noninterest expense to average assets | 3.9530% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3260% | 1,224 |
| Return on assets (ROA) | 1.3260% | 1,307 |
| Pretax return on assets | 1.3511% | 2,231 |
| Return on Equity (ROE) | 11.4022% | 1,525 |
| Retained earnings to average equity (ytd only) | 8.3905% | 1,022 |
| Net charge-offs to loans | -0.0374% | 5,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5283% | 2,183 |
| Assets per employee ($millions) | 2.5803% | 5,688 |
| Cash dividends to net income (ytd only)* | 26.4134% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9038% | 845 |
| Loan loss allowance to noncurrent loans | 104.9645% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 2.4610% | 560 |
| Noncurrent loans to loans | 1.8137% | 1,137 |
| Net loans and leases to total assets | 73.8882% | 1,886 |
| Net loans and leases to deposits | 85.8397% | 2,279 |
| Net loans and leases to core deposits | 92.0681% | 2,371 |
| Total domestic deposits to total assets | 86.0769% | 2,313 |
| Equity capital to assets | 12.3631% | 1,861 |
| Core capital (leverage) ratio | 12.1469% | 1,573 |
| Tier 1 risk-based capital ratio | 20.8808% | 1,292 |
| Total risk-based capital ratio | 22.1534% | 1,266 |
| Memoranda: | ||
| Average total assets | $10,658,250 | 5,966 |
| Average earning assets | $9,884,000 | 5,953 |
| Average equity | $1,239,500 | 5,965 |
| Average total loans | $7,142,000 | 5,894 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4504% | 276 |
| Cost of funding earning assets | 0.3993% | 3,052 |
| Net interest margin | 5.0511% | 234 |
| Noninterest income to average assets | 0.6492% | 2,371 |
| Noninterest expense to average assets | 3.9137% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3911% | 1,072 |
| Return on assets (ROA) | 1.3911% | 1,135 |
| Pretax return on assets | 1.4282% | 1,917 |
| Return on Equity (ROE) | 12.1033% | 1,282 |
| Retained earnings to average equity (ytd only) | 7.5847% | 1,345 |
| Net charge-offs to loans | -0.0577% | 5,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2639% | 2,474 |
| Assets per employee ($millions) | 2.1712% | 5,899 |
| Cash dividends to net income (ytd only)* | 37.3333% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8584% | 964 |
| Loan loss allowance to noncurrent loans | 69.7436% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 2.8095% | 447 |
| Noncurrent loans to loans | 2.6647% | 622 |
| Net loans and leases to total assets | 66.1570% | 3,058 |
| Net loans and leases to deposits | 75.0000% | 3,479 |
| Net loans and leases to core deposits | 80.0223% | 3,456 |
| Total domestic deposits to total assets | 88.2093% | 1,313 |
| Equity capital to assets | 11.5881% | 2,454 |
| Core capital (leverage) ratio | 11.5410% | 1,959 |
| Tier 1 risk-based capital ratio | 21.5803% | 1,186 |
| Total risk-based capital ratio | 22.8446% | 1,170 |
| Memoranda: | ||
| Average total assets | $10,782,670 | 6,044 |
| Average earning assets | $10,017,670 | 6,030 |
| Average equity | $1,239,330 | 6,042 |
| Average total loans | $6,931,330 | 5,973 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7652% | 169 |
| Cost of funding earning assets | 0.4404% | 2,680 |
| Net interest margin | 5.3248% | 143 |
| Noninterest income to average assets | 0.7445% | 1,839 |
| Noninterest expense to average assets | 4.0573% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5634% | 762 |
| Return on assets (ROA) | 1.5634% | 796 |
| Pretax return on assets | 1.6378% | 1,210 |
| Return on Equity (ROE) | 13.6585% | 901 |
| Retained earnings to average equity (ytd only) | 13.6585% | 343 |
| Net charge-offs to loans | -0.0594% | 5,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2418% | 2,912 |
| Assets per employee ($millions) | 2.6433% | 5,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0520% | 752 |
| Loan loss allowance to noncurrent loans | 99.2647% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 2.3267% | 668 |
| Noncurrent loans to loans | 2.0672% | 1,024 |
| Net loans and leases to total assets | 60.9477% | 3,656 |
| Net loans and leases to deposits | 69.2680% | 3,925 |
| Net loans and leases to core deposits | 74.0519% | 3,894 |
| Total domestic deposits to total assets | 87.9883% | 1,652 |
| Equity capital to assets | 11.8509% | 2,121 |
| Core capital (leverage) ratio | 10.9924% | 2,410 |
| Tier 1 risk-based capital ratio | 23.3543% | 981 |
| Total risk-based capital ratio | 24.6136% | 969 |
| Memoranda: | ||
| Average total assets | $10,746,000 | 6,107 |
| Average earning assets | $9,991,000 | 6,093 |
| Average equity | $1,230,000 | 6,104 |
| Average total loans | $6,738,000 | 6,037 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6699% | 1,181 |
| Cost of funding earning assets | 0.4281% | 2,862 |
| Net interest margin | 4.2418% | 1,076 |
| Noninterest income to average assets | 0.5608% | 2,962 |
| Noninterest expense to average assets | 4.1153% | 594 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3708% | 5,139 |
| Return on assets (ROA) | 0.3708% | 5,226 |
| Pretax return on assets | 0.3889% | 5,342 |
| Return on Equity (ROE) | 3.4195% | 5,161 |
| Retained earnings to average equity (ytd only) | 3.4195% | 3,622 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3655% | 606 |
| Assets per employee ($millions) | 2.7298% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9429% | 890 |
| Loan loss allowance to noncurrent loans | 66.0099% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 2.8666% | 474 |
| Noncurrent loans to loans | 2.9433% | 553 |
| Net loans and leases to total assets | 61.9379% | 3,571 |
| Net loans and leases to deposits | 69.7360% | 3,954 |
| Net loans and leases to core deposits | 74.3432% | 3,904 |
| Total domestic deposits to total assets | 88.8177% | 1,218 |
| Equity capital to assets | 11.0541% | 2,768 |
| Core capital (leverage) ratio | 10.6614% | 2,757 |
| Tier 1 risk-based capital ratio | 20.6438% | 1,360 |
| Total risk-based capital ratio | 21.9034% | 1,331 |
| Memoranda: | ||
| Average total assets | $11,056,200 | 6,166 |
| Average earning assets | $10,278,600 | 6,150 |
| Average equity | $1,199,000 | 6,165 |
| Average total loans | $6,707,200 | 6,090 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7647% | 992 |
| Cost of funding earning assets | 0.4261% | 2,947 |
| Net interest margin | 4.3386% | 889 |
| Noninterest income to average assets | 0.5891% | 2,809 |
| Noninterest expense to average assets | 3.9432% | 705 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6612% | 4,075 |
| Return on assets (ROA) | 0.6612% | 4,187 |
| Pretax return on assets | 0.6853% | 4,732 |
| Return on Equity (ROE) | 6.1261% | 4,100 |
| Retained earnings to average equity (ytd only) | 6.1261% | 2,168 |
| Net charge-offs to loans | 0.0200% | 3,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 57.1429% | 944 |
| Efficiency ratio | 85.1948% | 1,068 |
| Assets per employee ($millions) | 2.7478% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0402% | 857 |
| Loan loss allowance to noncurrent loans | 73.0769% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 2.6567% | 621 |
| Noncurrent loans to loans | 2.7918% | 672 |
| Net loans and leases to total assets | 58.1021% | 4,128 |
| Net loans and leases to deposits | 65.5445% | 4,423 |
| Net loans and leases to core deposits | 69.8534% | 4,382 |
| Total domestic deposits to total assets | 88.6453% | 1,210 |
| Equity capital to assets | 11.1637% | 2,831 |
| Core capital (leverage) ratio | 10.7609% | 2,758 |
| Tier 1 risk-based capital ratio | 21.8784% | 1,212 |
| Total risk-based capital ratio | 23.1417% | 1,189 |
| Memoranda: | ||
| Average total assets | $11,090,500 | 6,255 |
| Average earning assets | $10,325,750 | 6,237 |
| Average equity | $1,197,000 | 6,252 |
| Average total loans | $6,659,750 | 6,176 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8456% | 813 |
| Cost of funding earning assets | 0.4247% | 2,990 |
| Net interest margin | 4.4208% | 736 |
| Noninterest income to average assets | 0.6113% | 2,674 |
| Noninterest expense to average assets | 4.0274% | 656 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7012% | 3,886 |
| Return on assets (ROA) | 0.7012% | 4,007 |
| Pretax return on assets | 0.7012% | 4,647 |
| Return on Equity (ROE) | 6.5712% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.5712% | 1,912 |
| Net charge-offs to loans | -0.2982% | 6,119 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1711% | 1,134 |
| Assets per employee ($millions) | 2.8328% | 5,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0937% | 862 |
| Loan loss allowance to noncurrent loans | 98.6207% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 3.1506% | 503 |
| Noncurrent loans to loans | 2.1230% | 1,133 |
| Net loans and leases to total assets | 59.0151% | 3,977 |
| Net loans and leases to deposits | 66.1490% | 4,328 |
| Net loans and leases to core deposits | 70.3302% | 4,295 |
| Total domestic deposits to total assets | 89.2154% | 1,043 |
| Equity capital to assets | 10.6434% | 3,277 |
| Core capital (leverage) ratio | 10.3710% | 3,115 |
| Tier 1 risk-based capital ratio | 20.4057% | 1,466 |
| Total risk-based capital ratio | 21.6713% | 1,438 |
| Memoranda: | ||
| Average total assets | $11,123,670 | 6,331 |
| Average earning assets | $10,360,000 | 6,314 |
| Average equity | $1,187,000 | 6,329 |
| Average total loans | $6,706,670 | 6,247 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8124% | 841 |
| Cost of funding earning assets | 0.4304% | 2,973 |
| Net interest margin | 4.3821% | 761 |
| Noninterest income to average assets | 0.6171% | 2,563 |
| Noninterest expense to average assets | 4.2105% | 548 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4719% | 4,792 |
| Return on assets (ROA) | 0.4719% | 4,910 |
| Pretax return on assets | 0.4719% | 5,253 |
| Return on Equity (ROE) | 4.4161% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.4161% | 3,379 |
| Net charge-offs to loans | -0.4214% | 6,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9225% | 853 |
| Assets per employee ($millions) | 2.8160% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0676% | 966 |
| Loan loss allowance to noncurrent loans | 69.6517% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 3.6754% | 433 |
| Noncurrent loans to loans | 2.9685% | 741 |
| Net loans and leases to total assets | 58.8690% | 3,821 |
| Net loans and leases to deposits | 65.8949% | 4,160 |
| Net loans and leases to core deposits | 70.0803% | 4,146 |
| Total domestic deposits to total assets | 89.3377% | 1,077 |
| Equity capital to assets | 10.5291% | 3,502 |
| Core capital (leverage) ratio | 10.4219% | 3,073 |
| Tier 1 risk-based capital ratio | 20.5977% | 1,508 |
| Total risk-based capital ratio | 21.8504% | 1,469 |
| Memoranda: | ||
| Average total assets | $11,020,000 | 6,401 |
| Average earning assets | $10,223,500 | 6,384 |
| Average equity | $1,177,500 | 6,397 |
| Average total loans | $6,645,000 | 6,317 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8791% | 955 |
| Cost of funding earning assets | 0.4609% | 3,063 |
| Net interest margin | 4.4182% | 861 |
| Noninterest income to average assets | 0.8290% | 1,759 |
| Noninterest expense to average assets | 4.3219% | 533 |
| Loan and lease loss provision to assets | 0.1583% | 1,659 |
| Net operating income to assets | 0.4471% | 5,041 |
| Return on assets (ROA) | 0.4471% | 5,126 |
| Pretax return on assets | 0.4564% | 5,372 |
| Return on Equity (ROE) | 4.2735% | 4,991 |
| Retained earnings to average equity (ytd only) | 4.2735% | 3,145 |
| Net charge-offs to loans | 0.6257% | 629 |
| Credit loss provision to net charge-offs | 42.5000% | 3,622 |
| Earnings coverage of net charge-offs (x) | 1.6500% | 4,367 |
| Efficiency ratio | 87.5472% | 1,033 |
| Assets per employee ($millions) | 2.6940% | 6,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0555% | 1,017 |
| Loan loss allowance to noncurrent loans | 91.7808% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 3.3315% | 569 |
| Noncurrent loans to loans | 2.2396% | 1,176 |
| Net loans and leases to total assets | 59.2520% | 3,888 |
| Net loans and leases to deposits | 66.5937% | 4,258 |
| Net loans and leases to core deposits | 71.0471% | 4,215 |
| Total domestic deposits to total assets | 88.9755% | 1,256 |
| Equity capital to assets | 10.8482% | 3,061 |
| Core capital (leverage) ratio | 10.4335% | 3,018 |
| Tier 1 risk-based capital ratio | 19.6370% | 1,673 |
| Total risk-based capital ratio | 20.8297% | 1,660 |
| Memoranda: | ||
| Average total assets | $10,736,000 | 6,490 |
| Average earning assets | $9,981,400 | 6,474 |
| Average equity | $1,123,200 | 6,491 |
| Average total loans | $6,392,600 | 6,411 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8572% | 1,012 |
| Cost of funding earning assets | 0.4671% | 3,081 |
| Net interest margin | 4.3902% | 896 |
| Noninterest income to average assets | 0.5718% | 3,055 |
| Noninterest expense to average assets | 4.4377% | 494 |
| Loan and lease loss provision to assets | 0.2114% | 1,094 |
| Net operating income to assets | 0.0000% | 6,140 |
| Return on assets (ROA) | 0.0000% | 6,154 |
| Pretax return on assets | 0.0124% | 6,136 |
| Return on Equity (ROE) | 0.0000% | 6,154 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,789 |
| Net charge-offs to loans | 0.8804% | 373 |
| Credit loss provision to net charge-offs | 40.4762% | 3,280 |
| Earnings coverage of net charge-offs (x) | 0.4286% | 4,390 |
| Efficiency ratio | 95.2000% | 535 |
| Assets per employee ($millions) | 2.7680% | 6,009 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0326% | 1,204 |
| Loan loss allowance to noncurrent loans | 63.9024% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 3.9921% | 498 |
| Noncurrent loans to loans | 3.1808% | 804 |
| Net loans and leases to total assets | 57.0267% | 4,199 |
| Net loans and leases to deposits | 63.5531% | 4,591 |
| Net loans and leases to core deposits | 67.6379% | 4,545 |
| Total domestic deposits to total assets | 89.7309% | 859 |
| Equity capital to assets | 10.1337% | 4,006 |
| Core capital (leverage) ratio | 9.8278% | 3,906 |
| Tier 1 risk-based capital ratio | 21.8000% | 1,291 |
| Total risk-based capital ratio | 23.0600% | 1,271 |
| Memoranda: | ||
| Average total assets | $10,726,000 | 6,570 |
| Average earning assets | $9,991,750 | 6,554 |
| Average equity | $1,111,750 | 6,570 |
| Average total loans | $6,361,000 | 6,486 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8201% | 1,038 |
| Cost of funding earning assets | 0.4456% | 3,378 |
| Net interest margin | 4.3745% | 891 |
| Noninterest income to average assets | 0.6032% | 2,801 |
| Noninterest expense to average assets | 4.7499% | 369 |
| Loan and lease loss provision to assets | 0.2639% | 793 |
| Net operating income to assets | -0.3581% | 6,395 |
| Return on assets (ROA) | -0.3581% | 6,402 |
| Pretax return on assets | -0.3393% | 6,376 |
| Return on Equity (ROE) | -3.4286% | 6,396 |
| Retained earnings to average equity (ytd only) | -3.4286% | 6,130 |
| Net charge-offs to loans | 0.4105% | 991 |
| Credit loss provision to net charge-offs | 107.6923% | 1,859 |
| Earnings coverage of net charge-offs (x) | -0.3077% | 4,164 |
| Efficiency ratio | 101.6129% | 364 |
| Assets per employee ($millions) | 2.3504% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4504% | 762 |
| Loan loss allowance to noncurrent loans | 82.2917% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 3.4207% | 692 |
| Noncurrent loans to loans | 2.9777% | 979 |
| Net loans and leases to total assets | 53.5228% | 4,593 |
| Net loans and leases to deposits | 59.1388% | 4,936 |
| Net loans and leases to core deposits | 62.6744% | 4,919 |
| Total domestic deposits to total assets | 90.5037% | 587 |
| Equity capital to assets | 9.3856% | 4,858 |
| Core capital (leverage) ratio | 9.2050% | 4,731 |
| Tier 1 risk-based capital ratio | 21.3645% | 1,371 |
| Total risk-based capital ratio | 22.6212% | 1,344 |
| Memoranda: | ||
| Average total assets | $10,610,670 | 6,638 |
| Average earning assets | $9,875,330 | 6,620 |
| Average equity | $1,108,330 | 6,635 |
| Average total loans | $6,333,000 | 6,550 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1560% | 527 |
| Cost of funding earning assets | 0.4726% | 3,201 |
| Net interest margin | 4.6834% | 484 |
| Noninterest income to average assets | 0.5578% | 2,997 |
| Noninterest expense to average assets | 4.9004% | 333 |
| Loan and lease loss provision to assets | 0.0797% | 2,552 |
| Net operating income to assets | -0.1195% | 6,299 |
| Return on assets (ROA) | -0.1195% | 6,309 |
| Pretax return on assets | -0.0797% | 6,271 |
| Return on Equity (ROE) | -1.0801% | 6,307 |
| Retained earnings to average equity (ytd only) | -1.0801% | 5,743 |
| Net charge-offs to loans | 0.9561% | 359 |
| Credit loss provision to net charge-offs | 13.3333% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 3,431 |
| Efficiency ratio | 100.0000% | 466 |
| Assets per employee ($millions) | 2.2240% | 6,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3457% | 974 |
| Loan loss allowance to noncurrent loans | 93.5065% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 3.2644% | 821 |
| Noncurrent loans to loans | 2.5086% | 1,378 |
| Net loans and leases to total assets | 53.9119% | 4,431 |
| Net loans and leases to deposits | 59.9500% | 4,767 |
| Net loans and leases to core deposits | 62.1179% | 4,865 |
| Total domestic deposits to total assets | 89.9281% | 1,110 |
| Equity capital to assets | 10.0180% | 3,821 |
| Core capital (leverage) ratio | 10.8364% | 2,557 |
| Tier 1 risk-based capital ratio | 23.8116% | 1,032 |
| Total risk-based capital ratio | 25.0821% | 1,007 |
| Memoranda: | ||
| Average total assets | $10,040,000 | 6,713 |
| Average earning assets | $9,309,500 | 6,699 |
| Average equity | $1,111,000 | 6,703 |
| Average total loans | $6,275,500 | 6,619 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9146% | 197 |
| Cost of funding earning assets | 0.4333% | 4,280 |
| Net interest margin | 5.4812% | 143 |
| Noninterest income to average assets | 0.5159% | 3,659 |
| Noninterest expense to average assets | 5.4280% | 259 |
| Loan and lease loss provision to assets | 0.0752% | 3,601 |
| Net operating income to assets | 0.0215% | 6,177 |
| Return on assets (ROA) | 0.0215% | 6,218 |
| Pretax return on assets | 0.0430% | 6,165 |
| Return on Equity (ROE) | 0.1781% | 6,221 |
| Retained earnings to average equity (ytd only) | 0.1781% | 5,770 |
| Net charge-offs to loans | 1.3240% | 377 |
| Credit loss provision to net charge-offs | 7.7778% | 4,609 |
| Earnings coverage of net charge-offs (x) | 0.1222% | 5,040 |
| Efficiency ratio | 97.8682% | 545 |
| Assets per employee ($millions) | 1.7920% | 6,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4485% | 878 |
| Loan loss allowance to noncurrent loans | 227.5362% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 3.0804% | 1,014 |
| Noncurrent loans to loans | 1.0761% | 3,375 |
| Net loans and leases to total assets | 69.8103% | 2,049 |
| Net loans and leases to deposits | 79.7526% | 2,489 |
| Net loans and leases to core deposits | 83.4668% | 2,726 |
| Total domestic deposits to total assets | 87.5335% | 2,457 |
| Equity capital to assets | 12.3661% | 1,582 |
| Core capital (leverage) ratio | 11.9121% | 1,666 |
| Tier 1 risk-based capital ratio | 21.9734% | 1,261 |
| Total risk-based capital ratio | 23.2446% | 1,237 |
| Memoranda: | ||
| Average total assets | $9,303,600 | 6,801 |
| Average earning assets | $8,538,200 | 6,788 |
| Average equity | $1,122,800 | 6,789 |
| Average total loans | $6,797,400 | 6,692 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6118% | 319 |
| Cost of funding earning assets | 0.4328% | 4,477 |
| Net interest margin | 5.1790% | 222 |
| Noninterest income to average assets | 0.8520% | 1,925 |
| Noninterest expense to average assets | 5.3676% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2130% | 5,878 |
| Return on assets (ROA) | 0.2130% | 5,962 |
| Pretax return on assets | 0.2414% | 5,976 |
| Return on Equity (ROE) | 1.7754% | 6,006 |
| Retained earnings to average equity (ytd only) | 1.7754% | 5,249 |
| Net charge-offs to loans | 0.7736% | 768 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.4251% | 4,721 |
| Efficiency ratio | 95.6962% | 640 |
| Assets per employee ($millions) | 1.8204% | 6,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0677% | 509 |
| Loan loss allowance to noncurrent loans | 105.2910% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 3.2850% | 1,074 |
| Noncurrent loans to loans | 2.9135% | 1,403 |
| Net loans and leases to total assets | 69.0837% | 2,126 |
| Net loans and leases to deposits | 82.6390% | 2,052 |
| Net loans and leases to core deposits | 86.6116% | 2,333 |
| Total domestic deposits to total assets | 83.5970% | 4,349 |
| Equity capital to assets | 12.3599% | 1,667 |
| Core capital (leverage) ratio | 11.8609% | 1,762 |
| Tier 1 risk-based capital ratio | 20.8003% | 1,532 |
| Total risk-based capital ratio | 22.0838% | 1,500 |
| Memoranda: | ||
| Average total assets | $9,389,500 | 6,879 |
| Average earning assets | $8,624,500 | 6,865 |
| Average equity | $1,126,500 | 6,867 |
| Average total loans | $6,893,750 | 6,763 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5117% | 365 |
| Cost of funding earning assets | 0.3888% | 5,044 |
| Net interest margin | 5.1229% | 245 |
| Noninterest income to average assets | 0.7591% | 2,369 |
| Noninterest expense to average assets | 5.2080% | 309 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2319% | 5,817 |
| Return on assets (ROA) | 0.2319% | 5,941 |
| Pretax return on assets | 0.2741% | 5,946 |
| Return on Equity (ROE) | 1.9521% | 5,972 |
| Retained earnings to average equity (ytd only) | 1.9521% | 5,031 |
| Net charge-offs to loans | -0.1992% | 6,664 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0000% | 707 |
| Assets per employee ($millions) | 1.8828% | 6,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4296% | 392 |
| Loan loss allowance to noncurrent loans | 110.7623% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 3.2717% | 1,208 |
| Noncurrent loans to loans | 3.0964% | 1,428 |
| Net loans and leases to total assets | 73.8793% | 1,268 |
| Net loans and leases to deposits | 87.7492% | 1,372 |
| Net loans and leases to core deposits | 91.7909% | 1,725 |
| Total domestic deposits to total assets | 84.1938% | 4,242 |
| Equity capital to assets | 11.9397% | 1,950 |
| Core capital (leverage) ratio | 11.2686% | 2,113 |
| Tier 1 risk-based capital ratio | 18.4153% | 2,171 |
| Total risk-based capital ratio | 19.6911% | 2,122 |
| Memoranda: | ||
| Average total assets | $9,485,330 | 6,929 |
| Average earning assets | $8,745,000 | 6,914 |
| Average equity | $1,127,000 | 6,915 |
| Average total loans | $7,029,330 | 6,807 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5169% | 362 |
| Cost of funding earning assets | 0.4103% | 5,005 |
| Net interest margin | 5.1066% | 235 |
| Noninterest income to average assets | 0.5041% | 3,745 |
| Noninterest expense to average assets | 5.0415% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1680% | 5,986 |
| Return on assets (ROA) | 0.1680% | 6,087 |
| Pretax return on assets | 0.1680% | 6,139 |
| Return on Equity (ROE) | 1.4178% | 6,113 |
| Retained earnings to average equity (ytd only) | 1.4178% | 5,272 |
| Net charge-offs to loans | 0.1152% | 2,737 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,166 |
| Efficiency ratio | 96.7742% | 690 |
| Assets per employee ($millions) | 1.9744% | 6,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4245% | 448 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 2.5831% | 1,772 |
| Noncurrent loans to loans | 2.4460% | 2,108 |
| Net loans and leases to total assets | 67.9903% | 2,011 |
| Net loans and leases to deposits | 80.1146% | 2,056 |
| Net loans and leases to core deposits | 83.5970% | 2,371 |
| Total domestic deposits to total assets | 84.8663% | 4,108 |
| Equity capital to assets | 11.4566% | 2,451 |
| Core capital (leverage) ratio | 11.2301% | 2,073 |
| Tier 1 risk-based capital ratio | 17.8355% | 2,434 |
| Total risk-based capital ratio | 19.1107% | 2,387 |
| Memoranda: | ||
| Average total assets | $9,521,000 | 7,005 |
| Average earning assets | $8,773,000 | 6,987 |
| Average equity | $1,128,500 | 6,986 |
| Average total loans | $6,943,000 | 6,881 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9539% | 284 |
| Cost of funding earning assets | 0.4115% | 5,841 |
| Net interest margin | 5.5424% | 159 |
| Noninterest income to average assets | 0.8724% | 1,951 |
| Noninterest expense to average assets | 5.3760% | 289 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6130% | 4,176 |
| Return on assets (ROA) | 0.6130% | 4,437 |
| Pretax return on assets | 0.5777% | 5,061 |
| Return on Equity (ROE) | 4.8193% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.8193% | 2,832 |
| Net charge-offs to loans | -0.1167% | 6,856 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2970% | 1,038 |
| Assets per employee ($millions) | 1.8340% | 6,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4602% | 439 |
| Loan loss allowance to noncurrent loans | 115.3846% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 2.5627% | 1,899 |
| Noncurrent loans to loans | 2.9988% | 1,739 |
| Net loans and leases to total assets | 73.0207% | 1,332 |
| Net loans and leases to deposits | 83.3769% | 1,830 |
| Net loans and leases to core deposits | 83.3769% | 2,624 |
| Total domestic deposits to total assets | 87.5791% | 2,491 |
| Equity capital to assets | 12.2792% | 1,868 |
| Core capital (leverage) ratio | 12.2972% | 1,401 |
| Tier 1 risk-based capital ratio | 14.7263% | 3,881 |
| Total risk-based capital ratio | 14.7263% | 4,726 |
| Memoranda: | ||
| Average total assets | $8,482,200 | 7,077 |
| Average earning assets | $7,776,400 | 7,064 |
| Average equity | $1,079,000 | 7,059 |
| Average total loans | $6,000,600 | 6,978 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8916% | 339 |
| Cost of funding earning assets | 0.4196% | 5,993 |
| Net interest margin | 5.4720% | 180 |
| Noninterest income to average assets | 0.7380% | 2,537 |
| Noninterest expense to average assets | 5.7759% | 234 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0321% | 6,236 |
| Return on assets (ROA) | 0.0321% | 6,368 |
| Pretax return on assets | -0.0160% | 6,411 |
| Return on Equity (ROE) | 0.2502% | 6,373 |
| Retained earnings to average equity (ytd only) | 0.2502% | 6,003 |
| Net charge-offs to loans | -0.1850% | 6,973 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2786% | 525 |
| Assets per employee ($millions) | 1.7006% | 7,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7851% | 362 |
| Loan loss allowance to noncurrent loans | 2,677.7778% | 210 |
| Noncurrent assets plus other real estate owned to assets | 1.2466% | 3,805 |
| Noncurrent loans to loans | 0.1414% | 6,249 |
| Net loans and leases to total assets | 72.0452% | 1,548 |
| Net loans and leases to deposits | 82.8510% | 2,011 |
| Net loans and leases to core deposits | 82.8510% | 2,853 |
| Total domestic deposits to total assets | 86.9575% | 2,693 |
| Equity capital to assets | 12.7132% | 1,759 |
| Core capital (leverage) ratio | 12.2630% | 1,511 |
| Tier 1 risk-based capital ratio | 14.9891% | 3,857 |
| Total risk-based capital ratio | 16.2636% | 3,791 |
| Memoranda: | ||
| Average total assets | $8,310,250 | 7,173 |
| Average earning assets | $7,626,500 | 7,160 |
| Average equity | $1,067,250 | 7,156 |
| Average total loans | $5,766,750 | 7,076 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6624% | 517 |
| Cost of funding earning assets | 0.3932% | 6,308 |
| Net interest margin | 5.2691% | 253 |
| Noninterest income to average assets | 0.7761% | 2,311 |
| Noninterest expense to average assets | 5.8695% | 228 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1455% | 6,483 |
| Return on assets (ROA) | -0.1455% | 6,576 |
| Pretax return on assets | -0.2183% | 6,597 |
| Return on Equity (ROE) | -1.1292% | 6,554 |
| Retained earnings to average equity (ytd only) | -1.1292% | 6,228 |
| Net charge-offs to loans | 0.3593% | 2,577 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.9000% | 5,292 |
| Efficiency ratio | 103.8627% | 439 |
| Assets per employee ($millions) | 1.6732% | 7,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6885% | 431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1116% | 4,163 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 69.9139% | 1,939 |
| Net loans and leases to deposits | 80.4207% | 2,326 |
| Net loans and leases to core deposits | 80.4207% | 3,157 |
| Total domestic deposits to total assets | 86.9352% | 2,811 |
| Equity capital to assets | 12.8018% | 1,625 |
| Core capital (leverage) ratio | 11.9632% | 1,618 |
| Tier 1 risk-based capital ratio | 14.7574% | 3,928 |
| Total risk-based capital ratio | 16.1642% | 3,770 |
| Memoranda: | ||
| Average total assets | $8,246,000 | 7,236 |
| Average earning assets | $7,629,330 | 7,221 |
| Average equity | $1,062,670 | 7,213 |
| Average total loans | $5,566,670 | 7,141 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6096% | 617 |
| Cost of funding earning assets | 0.4234% | 6,293 |
| Net interest margin | 5.1862% | 297 |
| Noninterest income to average assets | 0.7330% | 2,479 |
| Noninterest expense to average assets | 5.9125% | 214 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2443% | 6,669 |
| Return on assets (ROA) | -0.2443% | 6,720 |
| Pretax return on assets | -0.3909% | 6,780 |
| Return on Equity (ROE) | -1.8895% | 6,681 |
| Retained earnings to average equity (ytd only) | -1.8895% | 6,269 |
| Net charge-offs to loans | 1.1292% | 915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.5333% | 4,509 |
| Efficiency ratio | 107.0796% | 388 |
| Assets per employee ($millions) | 1.6652% | 7,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1690% | 324 |
| Loan loss allowance to noncurrent loans | 162.9630% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 2.7144% | 2,173 |
| Noncurrent loans to loans | 2.5583% | 2,549 |
| Net loans and leases to total assets | 60.7374% | 3,505 |
| Net loans and leases to deposits | 69.6652% | 3,775 |
| Net loans and leases to core deposits | 69.6652% | 4,467 |
| Total domestic deposits to total assets | 87.1847% | 2,836 |
| Equity capital to assets | 12.6111% | 1,655 |
| Core capital (leverage) ratio | 12.4019% | 1,382 |
| Tier 1 risk-based capital ratio | 19.7576% | 1,769 |
| Total risk-based capital ratio | 21.0466% | 1,733 |
| Memoranda: | ||
| Average total assets | $8,186,000 | 7,300 |
| Average earning assets | $7,558,500 | 7,285 |
| Average equity | $1,058,500 | 7,273 |
| Average total loans | $5,313,500 | 7,210 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1047% | 2,432 |
| Cost of funding earning assets | 0.6121% | 6,034 |
| Net interest margin | 4.4926% | 1,153 |
| Noninterest income to average assets | 1.1136% | 1,068 |
| Noninterest expense to average assets | 5.5112% | 262 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.0800% | 6,145 |
| Return on assets (ROA) | 0.0000% | 6,160 |
| Pretax return on assets | -0.1023% | 6,214 |
| Return on Equity (ROE) | 0.0000% | 6,160 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,828 |
| Net charge-offs to loans | -0.4468% | 7,273 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3011% | 561 |
| Assets per employee ($millions) | 2.0115% | 7,158 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3738% | 282 |
| Loan loss allowance to noncurrent loans | 251.6129% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 1.5039% | 3,697 |
| Noncurrent loans to loans | 1.7383% | 3,558 |
| Net loans and leases to total assets | 63.5844% | 3,269 |
| Net loans and leases to deposits | 73.5586% | 3,570 |
| Net loans and leases to core deposits | 73.5586% | 4,299 |
| Total domestic deposits to total assets | 86.4405% | 3,058 |
| Equity capital to assets | 13.2612% | 1,375 |
| Core capital (leverage) ratio | 12.3466% | 1,414 |
| Tier 1 risk-based capital ratio | 19.6696% | 1,707 |
| Total risk-based capital ratio | 20.9607% | 1,667 |
| Memoranda: | ||
| Average total assets | $8,800,200 | 7,344 |
| Average earning assets | $8,169,000 | 7,328 |
| Average equity | $1,041,800 | 7,328 |
| Average total loans | $4,923,400 | 7,270 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2484% | 2,039 |
| Cost of funding earning assets | 0.5264% | 6,598 |
| Net interest margin | 4.7219% | 728 |
| Noninterest income to average assets | 0.6527% | 2,859 |
| Noninterest expense to average assets | 5.5327% | 253 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.2973% | 6,489 |
| Return on assets (ROA) | -0.1928% | 6,460 |
| Pretax return on assets | -0.3263% | 6,516 |
| Return on Equity (ROE) | -1.6736% | 6,447 |
| Retained earnings to average equity (ytd only) | -1.6736% | 6,257 |
| Net charge-offs to loans | -0.2491% | 7,285 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7059% | 433 |
| Assets per employee ($millions) | 1.6806% | 7,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3700% | 296 |
| Loan loss allowance to noncurrent loans | 142.9487% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 3.2369% | 1,968 |
| Noncurrent loans to loans | 3.0570% | 2,268 |
| Net loans and leases to total assets | 58.0745% | 4,504 |
| Net loans and leases to deposits | 66.5485% | 4,820 |
| Net loans and leases to core deposits | 66.5485% | 5,358 |
| Total domestic deposits to total assets | 87.2665% | 2,481 |
| Equity capital to assets | 12.5550% | 1,883 |
| Core capital (leverage) ratio | 11.7735% | 1,843 |
| Tier 1 risk-based capital ratio | 18.9831% | 1,944 |
| Total risk-based capital ratio | 20.2635% | 1,909 |
| Memoranda: | ||
| Average total assets | $8,988,750 | 7,420 |
| Average earning assets | $8,358,000 | 7,405 |
| Average equity | $1,035,500 | 7,407 |
| Average total loans | $4,816,750 | 7,344 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8342% | 3,934 |
| Cost of funding earning assets | 0.5371% | 6,716 |
| Net interest margin | 4.2971% | 1,668 |
| Noninterest income to average assets | 0.8711% | 1,743 |
| Noninterest expense to average assets | 5.2918% | 297 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.1533% | 6,420 |
| Return on assets (ROA) | 0.0000% | 6,302 |
| Pretax return on assets | -0.1742% | 6,432 |
| Return on Equity (ROE) | 0.0000% | 6,303 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,830 |
| Net charge-offs to loans | -0.5931% | 7,415 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4821% | 509 |
| Assets per employee ($millions) | 1.8244% | 7,347 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3503% | 320 |
| Loan loss allowance to noncurrent loans | 157.6389% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 2.5543% | 2,614 |
| Noncurrent loans to loans | 2.7597% | 2,639 |
| Net loans and leases to total assets | 54.7139% | 5,195 |
| Net loans and leases to deposits | 61.9461% | 5,509 |
| Net loans and leases to core deposits | 61.9461% | 5,901 |
| Total domestic deposits to total assets | 88.3249% | 1,949 |
| Equity capital to assets | 11.5545% | 2,452 |
| Core capital (leverage) ratio | 11.1746% | 2,132 |
| Tier 1 risk-based capital ratio | 18.4703% | 2,021 |
| Total risk-based capital ratio | 19.7540% | 1,961 |
| Memoranda: | ||
| Average total assets | $9,184,000 | 7,493 |
| Average earning assets | $8,564,000 | 7,477 |
| Average equity | $1,029,000 | 7,479 |
| Average total loans | $4,721,330 | 7,420 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 4,528 |
| Cost of funding earning assets | 0.5119% | 6,935 |
| Net interest margin | 4.1880% | 1,930 |
| Noninterest income to average assets | 0.7813% | 2,107 |
| Noninterest expense to average assets | 5.1221% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0434% | 6,407 |
| Return on assets (ROA) | -0.0434% | 6,425 |
| Pretax return on assets | -0.4341% | 6,719 |
| Return on Equity (ROE) | -0.3935% | 6,423 |
| Retained earnings to average equity (ytd only) | -0.3935% | 5,863 |
| Net charge-offs to loans | -0.0894% | 7,057 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2593% | 519 |
| Assets per employee ($millions) | 1.9106% | 7,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6971% | 244 |
| Loan loss allowance to noncurrent loans | 160.9023% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 2.6065% | 2,628 |
| Noncurrent loans to loans | 2.9192% | 2,575 |
| Net loans and leases to total assets | 45.4517% | 6,338 |
| Net loans and leases to deposits | 50.9744% | 6,548 |
| Net loans and leases to core deposits | 50.9744% | 6,732 |
| Total domestic deposits to total assets | 89.1657% | 1,664 |
| Equity capital to assets | 10.7296% | 2,952 |
| Core capital (leverage) ratio | 10.9766% | 2,213 |
| Tier 1 risk-based capital ratio | 18.8686% | 1,838 |
| Total risk-based capital ratio | 20.1460% | 1,794 |
| Memoranda: | ||
| Average total assets | $9,215,000 | 7,552 |
| Average earning assets | $8,596,000 | 7,536 |
| Average equity | $1,016,500 | 7,536 |
| Average total loans | $4,473,000 | 7,484 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5005% | 6,401 |
| Cost of funding earning assets | 1.1023% | 5,124 |
| Net interest margin | 3.3981% | 5,640 |
| Noninterest income to average assets | 0.5553% | 3,787 |
| Noninterest expense to average assets | 4.4110% | 710 |
| Loan and lease loss provision to assets | 0.0939% | 6,204 |
| Net operating income to assets | -1.0636% | 6,720 |
| Return on assets (ROA) | -0.6570% | 6,523 |
| Pretax return on assets | -0.6257% | 6,412 |
| Return on Equity (ROE) | -7.6628% | 6,602 |
| Retained earnings to average equity (ytd only) | -7.6628% | 6,509 |
| Net charge-offs to loans | 0.4095% | 3,996 |
| Credit loss provision to net charge-offs | 60.0000% | 6,082 |
| Earnings coverage of net charge-offs (x) | -6.0000% | 6,782 |
| Efficiency ratio | 127.0270% | 344 |
| Assets per employee ($millions) | 1.7754% | 7,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8519% | 212 |
| Loan loss allowance to noncurrent loans | 153.2374% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 2.8501% | 2,458 |
| Noncurrent loans to loans | 3.1663% | 2,400 |
| Net loans and leases to total assets | 47.0542% | 6,472 |
| Net loans and leases to deposits | 53.1763% | 6,665 |
| Net loans and leases to core deposits | 53.1763% | 6,849 |
| Total domestic deposits to total assets | 88.4871% | 1,952 |
| Equity capital to assets | 11.3552% | 2,373 |
| Core capital (leverage) ratio | 10.3982% | 2,671 |
| Tier 1 risk-based capital ratio | 20.2016% | 1,448 |
| Total risk-based capital ratio | 21.4812% | 1,420 |
| Memoranda: | ||
| Average total assets | $12,786,200 | 7,602 |
| Average earning assets | $10,976,600 | 7,596 |
| Average equity | $1,096,200 | 7,625 |
| Average total loans | $4,884,000 | 7,558 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 6,685 |
| Cost of funding earning assets | 1.2129% | 4,783 |
| Net interest margin | 3.2497% | 6,171 |
| Noninterest income to average assets | 0.4844% | 4,301 |
| Noninterest expense to average assets | 4.3205% | 732 |
| Loan and lease loss provision to assets | 0.1259% | 5,768 |
| Net operating income to assets | -1.2109% | 6,990 |
| Return on assets (ROA) | -0.9203% | 6,897 |
| Pretax return on assets | -0.9203% | 6,813 |
| Return on Equity (ROE) | -11.3266% | 6,978 |
| Retained earnings to average equity (ytd only) | -11.3266% | 6,937 |
| Net charge-offs to loans | 0.5857% | 2,983 |
| Credit loss provision to net charge-offs | 59.0909% | 5,717 |
| Earnings coverage of net charge-offs (x) | -5.0914% | 6,591 |
| Efficiency ratio | 133.5329% | 276 |
| Assets per employee ($millions) | 2.6238% | 6,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9029% | 189 |
| Loan loss allowance to noncurrent loans | 353.3333% | 839 |
| Noncurrent assets plus other real estate owned to assets | 1.3339% | 4,490 |
| Noncurrent loans to loans | 1.3876% | 4,544 |
| Net loans and leases to total assets | 31.3439% | 7,432 |
| Net loans and leases to deposits | 37.7317% | 7,428 |
| Net loans and leases to core deposits | 47.3024% | 7,224 |
| Total domestic deposits to total assets | 83.0704% | 4,564 |
| Equity capital to assets | 8.4229% | 6,364 |
| Core capital (leverage) ratio | 7.9044% | 6,459 |
| Tier 1 risk-based capital ratio | 18.5251% | 1,865 |
| Total risk-based capital ratio | 19.8139% | 1,824 |
| Memoranda: | ||
| Average total assets | $13,763,500 | 7,688 |
| Average earning assets | $11,652,250 | 7,686 |
| Average equity | $1,118,250 | 7,723 |
| Average total loans | $5,007,500 | 7,656 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 6,991 |
| Cost of funding earning assets | 1.2984% | 4,551 |
| Net interest margin | 3.0350% | 6,755 |
| Noninterest income to average assets | 0.5151% | 3,996 |
| Noninterest expense to average assets | 4.5642% | 537 |
| Loan and lease loss provision to assets | 0.1860% | 5,010 |
| Net operating income to assets | -1.5739% | 7,177 |
| Return on assets (ROA) | -1.4308% | 7,137 |
| Pretax return on assets | -1.4165% | 7,052 |
| Return on Equity (ROE) | -17.8147% | 7,224 |
| Retained earnings to average equity (ytd only) | -17.8147% | 7,194 |
| Net charge-offs to loans | 0.9168% | 1,998 |
| Credit loss provision to net charge-offs | 54.1667% | 5,336 |
| Earnings coverage of net charge-offs (x) | -4.0000% | 6,280 |
| Efficiency ratio | 143.0493% | 238 |
| Assets per employee ($millions) | 2.2702% | 7,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1658% | 320 |
| Loan loss allowance to noncurrent loans | 83.0040% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 2.7017% | 2,677 |
| Noncurrent loans to loans | 5.0188% | 1,372 |
| Net loans and leases to total assets | 35.4673% | 7,372 |
| Net loans and leases to deposits | 38.8157% | 7,472 |
| Net loans and leases to core deposits | 48.5967% | 7,261 |
| Total domestic deposits to total assets | 91.3736% | 363 |
| Equity capital to assets | 8.0904% | 6,663 |
| Core capital (leverage) ratio | 7.5803% | 6,755 |
| Tier 1 risk-based capital ratio | 16.9992% | 2,282 |
| Total risk-based capital ratio | 18.2688% | 2,221 |
| Memoranda: | ||
| Average total assets | $13,978,330 | 7,750 |
| Average earning assets | $12,323,000 | 7,742 |
| Average equity | $1,122,670 | 7,788 |
| Average total loans | $5,235,330 | 7,715 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 6,924 |
| Cost of funding earning assets | 1.3479% | 4,514 |
| Net interest margin | 3.0902% | 6,617 |
| Noninterest income to average assets | 0.5933% | 3,320 |
| Noninterest expense to average assets | 5.1988% | 318 |
| Loan and lease loss provision to assets | 0.3673% | 3,164 |
| Net operating income to assets | -2.3169% | 7,521 |
| Return on assets (ROA) | -2.1191% | 7,492 |
| Pretax return on assets | -2.1191% | 7,440 |
| Return on Equity (ROE) | -26.4784% | 7,523 |
| Retained earnings to average equity (ytd only) | -26.4784% | 7,485 |
| Net charge-offs to loans | -0.3751% | 7,775 |
| Credit loss provision to net charge-offs | -260.0000% | 6,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.0000% | 178 |
| Assets per employee ($millions) | 2.3920% | 7,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3990% | 276 |
| Loan loss allowance to noncurrent loans | 146.6258% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 1.3169% | 4,563 |
| Noncurrent loans to loans | 3.0002% | 2,676 |
| Net loans and leases to total assets | 36.1901% | 7,418 |
| Net loans and leases to deposits | 41.2484% | 7,478 |
| Net loans and leases to core deposits | 51.4920% | 7,226 |
| Total domestic deposits to total assets | 87.7369% | 2,220 |
| Equity capital to assets | 7.6226% | 6,981 |
| Core capital (leverage) ratio | 7.4001% | 6,935 |
| Tier 1 risk-based capital ratio | 16.4684% | 2,468 |
| Total risk-based capital ratio | 17.7520% | 2,399 |
| Memoranda: | ||
| Average total assets | $14,157,000 | 7,851 |
| Average earning assets | $12,167,500 | 7,845 |
| Average equity | $1,133,000 | 7,875 |
| Average total loans | $5,332,500 | 7,814 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1623% | 5,821 |
| Cost of funding earning assets | 1.8305% | 3,832 |
| Net interest margin | 3.3318% | 5,620 |
| Noninterest income to average assets | 0.2716% | 6,173 |
| Noninterest expense to average assets | 3.7055% | 1,900 |
| Loan and lease loss provision to assets | 0.3413% | 4,754 |
| Net operating income to assets | -0.8846% | 6,502 |
| Return on assets (ROA) | -0.8358% | 6,462 |
| Pretax return on assets | -0.8358% | 6,296 |
| Return on Equity (ROE) | -9.6092% | 6,593 |
| Retained earnings to average equity (ytd only) | -9.6092% | 6,489 |
| Net charge-offs to loans | 1.5726% | 1,604 |
| Credit loss provision to net charge-offs | 57.6471% | 6,669 |
| Earnings coverage of net charge-offs (x) | -0.9176% | 6,865 |
| Efficiency ratio | 117.1806% | 656 |
| Assets per employee ($millions) | 2.3270% | 7,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2240% | 312 |
| Loan loss allowance to noncurrent loans | 134.7561% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 1.5399% | 4,069 |
| Noncurrent loans to loans | 3.1346% | 2,442 |
| Net loans and leases to total assets | 35.8903% | 7,529 |
| Net loans and leases to deposits | 41.8595% | 7,571 |
| Net loans and leases to core deposits | 59.1129% | 7,296 |
| Total domestic deposits to total assets | 85.7399% | 3,145 |
| Equity capital to assets | 8.3942% | 6,060 |
| Core capital (leverage) ratio | 8.1342% | 5,941 |
| Tier 1 risk-based capital ratio | 18.6700% | 1,723 |
| Total risk-based capital ratio | 19.9507% | 1,682 |
| Memoranda: | ||
| Average total assets | $14,357,200 | 7,912 |
| Average earning assets | $12,455,600 | 7,905 |
| Average equity | $1,248,800 | 7,955 |
| Average total loans | $5,405,000 | 7,882 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3487% | 5,181 |
| Cost of funding earning assets | 1.9382% | 3,669 |
| Net interest margin | 3.4104% | 5,219 |
| Noninterest income to average assets | 0.1937% | 6,832 |
| Noninterest expense to average assets | 3.6524% | 1,917 |
| Loan and lease loss provision to assets | 0.0922% | 6,445 |
| Net operating income to assets | -0.5903% | 6,519 |
| Return on assets (ROA) | -0.5165% | 6,443 |
| Pretax return on assets | -0.5073% | 6,307 |
| Return on Equity (ROE) | -5.8880% | 6,544 |
| Retained earnings to average equity (ytd only) | -5.8880% | 6,376 |
| Net charge-offs to loans | 1.0769% | 1,851 |
| Credit loss provision to net charge-offs | 22.7273% | 6,550 |
| Earnings coverage of net charge-offs (x) | -1.2044% | 6,656 |
| Efficiency ratio | 115.4519% | 664 |
| Assets per employee ($millions) | 2.3943% | 7,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1519% | 266 |
| Loan loss allowance to noncurrent loans | 365.5738% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.5986% | 5,954 |
| Noncurrent loans to loans | 1.1357% | 5,049 |
| Net loans and leases to total assets | 35.8346% | 7,625 |
| Net loans and leases to deposits | 40.5642% | 7,710 |
| Net loans and leases to core deposits | 61.2638% | 7,352 |
| Total domestic deposits to total assets | 88.3405% | 1,499 |
| Equity capital to assets | 8.7568% | 5,870 |
| Core capital (leverage) ratio | 8.3735% | 5,703 |
| Tier 1 risk-based capital ratio | 20.5128% | 1,451 |
| Total risk-based capital ratio | 21.7949% | 1,401 |
| Memoranda: | ||
| Average total assets | $14,456,000 | 7,990 |
| Average earning assets | $12,588,500 | 7,984 |
| Average equity | $1,268,000 | 8,035 |
| Average total loans | $5,448,250 | 7,960 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3293% | 5,503 |
| Cost of funding earning assets | 1.9451% | 4,034 |
| Net interest margin | 3.3842% | 5,239 |
| Noninterest income to average assets | 0.0690% | 7,639 |
| Noninterest expense to average assets | 3.5621% | 2,162 |
| Loan and lease loss provision to assets | 0.1381% | 5,693 |
| Net operating income to assets | -0.6903% | 6,742 |
| Return on assets (ROA) | -0.5799% | 6,643 |
| Pretax return on assets | -0.5661% | 6,493 |
| Return on Equity (ROE) | -6.6073% | 6,768 |
| Retained earnings to average equity (ytd only) | -6.6073% | 6,520 |
| Net charge-offs to loans | 1.9364% | 964 |
| Credit loss provision to net charge-offs | 18.8679% | 6,140 |
| Earnings coverage of net charge-offs (x) | -0.7358% | 6,158 |
| Efficiency ratio | 117.8082% | 707 |
| Assets per employee ($millions) | 2.0660% | 7,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8153% | 300 |
| Loan loss allowance to noncurrent loans | 145.5782% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 1.1893% | 4,560 |
| Noncurrent loans to loans | 2.6208% | 2,758 |
| Net loans and leases to total assets | 37.3047% | 7,666 |
| Net loans and leases to deposits | 41.9910% | 7,755 |
| Net loans and leases to core deposits | 62.9742% | 7,334 |
| Total domestic deposits to total assets | 88.8397% | 1,359 |
| Equity capital to assets | 8.5604% | 5,958 |
| Core capital (leverage) ratio | 8.2161% | 5,956 |
| Tier 1 risk-based capital ratio | 19.0918% | 1,762 |
| Total risk-based capital ratio | 20.3646% | 1,711 |
| Memoranda: | ||
| Average total assets | $14,486,000 | 8,077 |
| Average earning assets | $12,647,000 | 8,074 |
| Average equity | $1,271,330 | 8,123 |
| Average total loans | $5,474,000 | 8,046 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2874% | 5,944 |
| Cost of funding earning assets | 1.9198% | 4,537 |
| Net interest margin | 3.3676% | 5,261 |
| Noninterest income to average assets | 0.4414% | 4,863 |
| Noninterest expense to average assets | 3.8626% | 1,362 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.4966% | 6,871 |
| Return on assets (ROA) | -0.4139% | 6,865 |
| Pretax return on assets | -0.3863% | 6,735 |
| Return on Equity (ROE) | -4.6584% | 6,955 |
| Retained earnings to average equity (ytd only) | -4.6584% | 6,508 |
| Net charge-offs to loans | -0.2959% | 8,064 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.8211% | 736 |
| Assets per employee ($millions) | 2.0790% | 7,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9273% | 114 |
| Loan loss allowance to noncurrent loans | 593.1818% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 5,304 |
| Noncurrent loans to loans | 0.8307% | 5,364 |
| Net loans and leases to total assets | 34.6045% | 7,783 |
| Net loans and leases to deposits | 38.0477% | 7,897 |
| Net loans and leases to core deposits | 57.1818% | 7,559 |
| Total domestic deposits to total assets | 90.9503% | 431 |
| Equity capital to assets | 8.7817% | 5,653 |
| Core capital (leverage) ratio | 8.5689% | 5,394 |
| Tier 1 risk-based capital ratio | 20.3981% | 1,544 |
| Total risk-based capital ratio | 21.6812% | 1,507 |
| Memoranda: | ||
| Average total assets | $14,498,000 | 8,128 |
| Average earning assets | $12,709,500 | 8,121 |
| Average equity | $1,288,000 | 8,179 |
| Average total loans | $5,406,500 | 8,101 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2880% | 4,032 |
| Cost of funding earning assets | 2.2865% | 5,222 |
| Net interest margin | 4.0014% | 3,103 |
| Noninterest income to average assets | 0.7078% | 3,076 |
| Noninterest expense to average assets | 3.5624% | 2,231 |
| Loan and lease loss provision to assets | 0.2411% | 4,496 |
| Net operating income to assets | 0.6456% | 4,125 |
| Return on assets (ROA) | 0.7000% | 3,727 |
| Pretax return on assets | 0.6067% | 4,671 |
| Return on Equity (ROE) | 7.3940% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.3940% | 1,023 |
| Net charge-offs to loans | -0.6660% | 8,225 |
| Credit loss provision to net charge-offs | -81.5789% | 7,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7857% | 2,331 |
| Assets per employee ($millions) | 2.0633% | 7,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6773% | 120 |
| Loan loss allowance to noncurrent loans | 1,720.0000% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.5470% | 5,538 |
| Noncurrent loans to loans | 0.2719% | 6,562 |
| Net loans and leases to total assets | 36.4052% | 7,817 |
| Net loans and leases to deposits | 40.2634% | 7,935 |
| Net loans and leases to core deposits | 60.8635% | 7,546 |
| Total domestic deposits to total assets | 90.4175% | 518 |
| Equity capital to assets | 8.9871% | 5,378 |
| Core capital (leverage) ratio | 8.3599% | 5,836 |
| Tier 1 risk-based capital ratio | 20.3497% | 1,562 |
| Total risk-based capital ratio | 21.6286% | 1,520 |
| Memoranda: | ||
| Average total assets | $12,856,400 | 8,208 |
| Average earning assets | $11,720,800 | 8,192 |
| Average equity | $1,217,200 | 8,247 |
| Average total loans | $5,705,400 | 8,137 |