Home > The Trust Bank > Performance and Condition Ratios
The Trust 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 | 7.4872% | 166 |
| Cost of funding earning assets | 0.2733% | 4,397 |
| Net interest margin | 7.2139% | 53 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 4.3619% | 296 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 3.1497% | 141 |
| Return on assets (ROA) | 3.1497% | 137 |
| Pretax return on assets | 3.1497% | 177 |
| Return on Equity (ROE) | 25.8000% | 284 |
| Retained earnings to average equity (ytd only) | 13.1975% | 480 |
| Net charge-offs to loans | 0.0111% | 2,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 753.5000% | 189 |
| Efficiency ratio | 58.0690% | 3,293 |
| Assets per employee ($millions) | 2.4833% | 4,427 |
| Cash dividends to net income (ytd only)* | 48.8388% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8633% | 475 |
| Loan loss allowance to noncurrent loans | 110.9929% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 923 |
| Noncurrent loans to loans | 1.6788% | 376 |
| Net loans and leases to total assets | 34.9400% | 4,189 |
| Net loans and leases to deposits | 40.7964% | 4,181 |
| Net loans and leases to core deposits | 41.3251% | 4,266 |
| Total domestic deposits to total assets | 85.6400% | 2,128 |
| Equity capital to assets | 12.6953% | 943 |
| Core capital (leverage) ratio | 12.7858% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.0011% | 189 |
| Memoranda: | ||
| Average total assets | $47,845,800 | 4,332 |
| Average earning assets | $44,275,400 | 4,306 |
| Average equity | $5,842,000 | 4,177 |
| Average total loans | $18,039,400 | 4,322 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3719% | 161 |
| Cost of funding earning assets | 0.2520% | 4,401 |
| Net interest margin | 7.1199% | 52 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 4.1878% | 318 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.2575% | 151 |
| Return on assets (ROA) | 3.2575% | 151 |
| Pretax return on assets | 3.2575% | 190 |
| Return on Equity (ROE) | 26.9400% | 310 |
| Retained earnings to average equity (ytd only) | 25.9081% | 127 |
| Net charge-offs to loans | -0.0145% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.2477% | 3,384 |
| Assets per employee ($millions) | 2.4918% | 4,448 |
| Cash dividends to net income (ytd only)* | 3.8363% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 608 |
| Loan loss allowance to noncurrent loans | 120.5323% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 1,052 |
| Noncurrent loans to loans | 1.4629% | 504 |
| Net loans and leases to total assets | 37.3000% | 4,142 |
| Net loans and leases to deposits | 43.2147% | 4,127 |
| Net loans and leases to core deposits | 43.7619% | 4,178 |
| Total domestic deposits to total assets | 86.3200% | 2,095 |
| Equity capital to assets | 13.4059% | 736 |
| Core capital (leverage) ratio | 13.5535% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3463% | 189 |
| Memoranda: | ||
| Average total assets | $48,011,500 | 4,348 |
| Average earning assets | $44,437,750 | 4,321 |
| Average equity | $5,805,000 | 4,189 |
| Average total loans | $18,349,750 | 4,333 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3147% | 143 |
| Cost of funding earning assets | 0.2149% | 4,417 |
| Net interest margin | 7.0998% | 50 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 3.9267% | 360 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.5411% | 115 |
| Return on assets (ROA) | 3.5411% | 116 |
| Pretax return on assets | 3.5411% | 141 |
| Return on Equity (ROE) | 30.3700% | 208 |
| Retained earnings to average equity (ytd only) | 29.3013% | 84 |
| Net charge-offs to loans | -0.0325% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.5819% | 3,734 |
| Assets per employee ($millions) | 2.2773% | 4,489 |
| Cash dividends to net income (ytd only)* | 3.5129% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7596% | 668 |
| Loan loss allowance to noncurrent loans | 98.7578% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 783 |
| Noncurrent loans to loans | 1.7818% | 341 |
| Net loans and leases to total assets | 37.1200% | 4,142 |
| Net loans and leases to deposits | 42.6113% | 4,144 |
| Net loans and leases to core deposits | 43.1352% | 4,193 |
| Total domestic deposits to total assets | 87.1200% | 1,892 |
| Equity capital to assets | 12.6362% | 905 |
| Core capital (leverage) ratio | 12.6476% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4470% | 199 |
| Memoranda: | ||
| Average total assets | $48,233,667 | 4,366 |
| Average earning assets | $44,677,333 | 4,338 |
| Average equity | $5,624,333 | 4,236 |
| Average total loans | $18,473,667 | 4,351 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9727% | 120 |
| Cost of funding earning assets | 0.1603% | 4,439 |
| Net interest margin | 6.8124% | 56 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 4.1124% | 333 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.0554% | 147 |
| Return on assets (ROA) | 3.0554% | 146 |
| Pretax return on assets | 3.0554% | 190 |
| Return on Equity (ROE) | 27.3300% | 318 |
| Retained earnings to average equity (ytd only) | 27.3315% | 142 |
| Net charge-offs to loans | -0.0428% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.3733% | 3,259 |
| Assets per employee ($millions) | 2.4135% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7624% | 702 |
| Loan loss allowance to noncurrent loans | 91.3545% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 679 |
| Noncurrent loans to loans | 1.9292% | 303 |
| Net loans and leases to total assets | 36.6100% | 4,169 |
| Net loans and leases to deposits | 41.5384% | 4,178 |
| Net loans and leases to core deposits | 42.0564% | 4,221 |
| Total domestic deposits to total assets | 88.1300% | 1,887 |
| Equity capital to assets | 11.5809% | 1,129 |
| Core capital (leverage) ratio | 11.6878% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2024% | 240 |
| Memoranda: | ||
| Average total assets | $48,439,000 | 4,427 |
| Average earning assets | $44,918,000 | 4,398 |
| Average equity | $5,415,000 | 4,311 |
| Average total loans | $18,674,500 | 4,411 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 306 |
| Cost of funding earning assets | 0.1498% | 4,124 |
| Net interest margin | 4.8381% | 172 |
| Noninterest income to average assets | 1.7800% | 286 |
| Noninterest expense to average assets | 4.4823% | 258 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7853% | 460 |
| Return on assets (ROA) | 1.7853% | 441 |
| Pretax return on assets | 1.7853% | 764 |
| Return on Equity (ROE) | 17.7000% | 748 |
| Retained earnings to average equity (ytd only) | 12.5090% | 587 |
| Net charge-offs to loans | 0.0816% | 841 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 52.1765% | 1,327 |
| Efficiency ratio | 71.5157% | 1,497 |
| Assets per employee ($millions) | 2.5584% | 4,578 |
| Cash dividends to net income (ytd only)* | 29.3123% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6269% | 927 |
| Loan loss allowance to noncurrent loans | 85.3659% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 570 |
| Noncurrent loans to loans | 1.9058% | 301 |
| Net loans and leases to total assets | 39.1800% | 4,097 |
| Net loans and leases to deposits | 44.2974% | 4,105 |
| Net loans and leases to core deposits | 44.8650% | 4,155 |
| Total domestic deposits to total assets | 88.4600% | 1,908 |
| Equity capital to assets | 10.7799% | 1,342 |
| Core capital (leverage) ratio | 10.5173% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5751% | 290 |
| Memoranda: | ||
| Average total assets | $49,684,600 | 4,443 |
| Average earning assets | $46,071,800 | 4,416 |
| Average equity | $5,012,400 | 4,427 |
| Average total loans | $20,832,800 | 4,405 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4306% | 549 |
| Cost of funding earning assets | 0.1525% | 3,824 |
| Net interest margin | 4.2781% | 352 |
| Noninterest income to average assets | 2.1600% | 246 |
| Noninterest expense to average assets | 4.1958% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9378% | 320 |
| Return on assets (ROA) | 1.9378% | 317 |
| Pretax return on assets | 1.9378% | 535 |
| Return on Equity (ROE) | 19.5300% | 476 |
| Retained earnings to average equity (ytd only) | 19.5334% | 118 |
| Net charge-offs to loans | 0.5534% | 117 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 2,048 |
| Efficiency ratio | 68.4073% | 1,965 |
| Assets per employee ($millions) | 2.6786% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 2,714 |
| Loan loss allowance to noncurrent loans | 73.0539% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 719 |
| Noncurrent loans to loans | 1.5953% | 429 |
| Net loans and leases to total assets | 40.6600% | 4,046 |
| Net loans and leases to deposits | 45.6263% | 4,041 |
| Net loans and leases to core deposits | 46.1803% | 4,099 |
| Total domestic deposits to total assets | 89.1100% | 2,042 |
| Equity capital to assets | 10.4906% | 1,372 |
| Core capital (leverage) ratio | 10.5222% | 2,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0549% | 343 |
| Memoranda: | ||
| Average total assets | $49,953,500 | 4,475 |
| Average earning assets | $46,343,000 | 4,448 |
| Average equity | $4,955,500 | 4,475 |
| Average total loans | $21,200,500 | 4,424 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0233% | 901 |
| Cost of funding earning assets | 0.1608% | 3,437 |
| Net interest margin | 3.8626% | 661 |
| Noninterest income to average assets | 2.8122% | 162 |
| Noninterest expense to average assets | 4.0814% | 271 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.3126% | 137 |
| Return on assets (ROA) | 2.3126% | 135 |
| Pretax return on assets | 2.3126% | 215 |
| Return on Equity (ROE) | 23.7796% | 142 |
| Retained earnings to average equity (ytd only) | 23.7796% | 44 |
| Net charge-offs to loans | 0.0282% | 1,159 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 191.3333% | 553 |
| Efficiency ratio | 63.8311% | 2,790 |
| Assets per employee ($millions) | 2.4149% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 1,117 |
| Loan loss allowance to noncurrent loans | 47.0672% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.4395% | 251 |
| Noncurrent loans to loans | 3.4273% | 137 |
| Net loans and leases to total assets | 39.5685% | 4,090 |
| Net loans and leases to deposits | 44.2675% | 4,103 |
| Net loans and leases to core deposits | 44.8042% | 4,166 |
| Total domestic deposits to total assets | 89.3852% | 2,007 |
| Equity capital to assets | 10.2303% | 1,573 |
| Core capital (leverage) ratio | 10.2862% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3863% | 348 |
| Memoranda: | ||
| Average total assets | $49,640,333 | 4,515 |
| Average earning assets | $46,031,333 | 4,508 |
| Average equity | $4,827,667 | 4,536 |
| Average total loans | $21,288,667 | 4,476 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9655% | 827 |
| Cost of funding earning assets | 0.1671% | 3,264 |
| Net interest margin | 3.7984% | 637 |
| Noninterest income to average assets | 1.0834% | 576 |
| Noninterest expense to average assets | 4.0567% | 269 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5458% | 3,576 |
| Return on assets (ROA) | 0.5458% | 3,548 |
| Pretax return on assets | 0.5458% | 3,767 |
| Return on Equity (ROE) | 5.7665% | 3,410 |
| Retained earnings to average equity (ytd only) | 5.7665% | 2,327 |
| Net charge-offs to loans | 0.0184% | 1,161 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 811 |
| Efficiency ratio | 88.1416% | 629 |
| Assets per employee ($millions) | 2.4266% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 1,270 |
| Loan loss allowance to noncurrent loans | 47.9016% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.6249% | 214 |
| Noncurrent loans to loans | 3.3414% | 142 |
| Net loans and leases to total assets | 39.9329% | 4,017 |
| Net loans and leases to deposits | 44.1765% | 4,056 |
| Net loans and leases to core deposits | 45.0040% | 4,120 |
| Total domestic deposits to total assets | 90.3941% | 1,335 |
| Equity capital to assets | 9.1860% | 2,539 |
| Core capital (leverage) ratio | 9.6684% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9365% | 496 |
| Memoranda: | ||
| Average total assets | $49,104,500 | 4,544 |
| Average earning assets | $45,492,500 | 4,540 |
| Average equity | $4,647,500 | 4,597 |
| Average total loans | $21,735,500 | 4,485 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 501 |
| Cost of funding earning assets | 0.2259% | 3,187 |
| Net interest margin | 4.3853% | 347 |
| Noninterest income to average assets | 1.4737% | 516 |
| Noninterest expense to average assets | 4.5157% | 215 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9664% | 2,813 |
| Return on assets (ROA) | 0.9664% | 2,874 |
| Pretax return on assets | 0.9664% | 3,343 |
| Return on Equity (ROE) | 9.6644% | 2,650 |
| Retained earnings to average equity (ytd only) | 5.0518% | 2,764 |
| Net charge-offs to loans | 0.0131% | 2,072 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 146.6667% | 673 |
| Efficiency ratio | 82.3718% | 650 |
| Assets per employee ($millions) | 2.2500% | 4,756 |
| Cash dividends to net income (ytd only)* | 47.7273% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 1,708 |
| Loan loss allowance to noncurrent loans | 45.4795% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 2.0148% | 156 |
| Noncurrent loans to loans | 3.2030% | 173 |
| Net loans and leases to total assets | 47.5313% | 3,534 |
| Net loans and leases to deposits | 53.2065% | 3,649 |
| Net loans and leases to core deposits | 54.2947% | 3,736 |
| Total domestic deposits to total assets | 89.3336% | 1,333 |
| Equity capital to assets | 9.7649% | 2,881 |
| Core capital (leverage) ratio | 9.7263% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6764% | 687 |
| Memoranda: | ||
| Average total assets | $45,530,400 | 4,606 |
| Average earning assets | $41,616,200 | 4,602 |
| Average equity | $4,552,800 | 4,665 |
| Average total loans | $22,867,200 | 4,517 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6779% | 500 |
| Cost of funding earning assets | 0.2366% | 3,252 |
| Net interest margin | 4.4412% | 344 |
| Noninterest income to average assets | 1.5521% | 517 |
| Noninterest expense to average assets | 4.6710% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9312% | 3,146 |
| Return on assets (ROA) | 0.9312% | 3,224 |
| Pretax return on assets | 0.9312% | 3,629 |
| Return on Equity (ROE) | 9.2560% | 3,018 |
| Retained earnings to average equity (ytd only) | 9.2560% | 1,593 |
| Net charge-offs to loans | -0.0291% | 4,118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3773% | 557 |
| Assets per employee ($millions) | 2.1609% | 4,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 1,497 |
| Loan loss allowance to noncurrent loans | 49.5627% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.9100% | 208 |
| Noncurrent loans to loans | 3.1031% | 209 |
| Net loans and leases to total assets | 45.7877% | 3,810 |
| Net loans and leases to deposits | 50.9790% | 3,956 |
| Net loans and leases to core deposits | 52.0082% | 4,036 |
| Total domestic deposits to total assets | 89.8168% | 857 |
| Equity capital to assets | 9.8845% | 3,014 |
| Core capital (leverage) ratio | 9.8154% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5400% | 640 |
| Memoranda: | ||
| Average total assets | $45,100,250 | 4,678 |
| Average earning assets | $41,128,750 | 4,669 |
| Average equity | $4,537,500 | 4,736 |
| Average total loans | $22,886,250 | 4,574 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8265% | 452 |
| Cost of funding earning assets | 0.2632% | 3,160 |
| Net interest margin | 4.5633% | 319 |
| Noninterest income to average assets | 1.3774% | 624 |
| Noninterest expense to average assets | 4.7418% | 192 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7858% | 3,551 |
| Return on assets (ROA) | 0.7858% | 3,617 |
| Pretax return on assets | 0.7858% | 3,897 |
| Return on Equity (ROE) | 7.7615% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.7615% | 2,166 |
| Net charge-offs to loans | -0.0173% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7843% | 483 |
| Assets per employee ($millions) | 2.0574% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 1,498 |
| Loan loss allowance to noncurrent loans | 74.8889% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 2.5208% | 134 |
| Noncurrent loans to loans | 2.0412% | 471 |
| Net loans and leases to total assets | 47.9619% | 3,729 |
| Net loans and leases to deposits | 53.5073% | 3,890 |
| Net loans and leases to core deposits | 54.6565% | 3,984 |
| Total domestic deposits to total assets | 89.6361% | 955 |
| Equity capital to assets | 10.0722% | 2,789 |
| Core capital (leverage) ratio | 10.0033% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7660% | 632 |
| Memoranda: | ||
| Average total assets | $44,287,333 | 4,718 |
| Average earning assets | $40,277,667 | 4,711 |
| Average equity | $4,483,667 | 4,769 |
| Average total loans | $23,146,000 | 4,607 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9404% | 385 |
| Cost of funding earning assets | 0.2711% | 3,260 |
| Net interest margin | 4.6693% | 276 |
| Noninterest income to average assets | 1.6621% | 510 |
| Noninterest expense to average assets | 4.8037% | 183 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1050% | 2,460 |
| Return on assets (ROA) | 1.1050% | 2,536 |
| Pretax return on assets | 1.1050% | 3,098 |
| Return on Equity (ROE) | 10.8862% | 2,398 |
| Retained earnings to average equity (ytd only) | 10.8862% | 1,429 |
| Net charge-offs to loans | -0.0169% | 3,909 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2983% | 739 |
| Assets per employee ($millions) | 1.8043% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 1,955 |
| Loan loss allowance to noncurrent loans | 56.0935% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 2.8599% | 116 |
| Noncurrent loans to loans | 2.4965% | 370 |
| Net loans and leases to total assets | 52.4486% | 3,397 |
| Net loans and leases to deposits | 58.4899% | 3,598 |
| Net loans and leases to core deposits | 59.7485% | 3,720 |
| Total domestic deposits to total assets | 89.6712% | 984 |
| Equity capital to assets | 9.9896% | 2,719 |
| Core capital (leverage) ratio | 10.4198% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5211% | 849 |
| Memoranda: | ||
| Average total assets | $43,799,500 | 4,743 |
| Average earning assets | $39,835,000 | 4,737 |
| Average equity | $4,446,000 | 4,795 |
| Average total loans | $23,696,000 | 4,624 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8036% | 116 |
| Cost of funding earning assets | 0.5194% | 2,817 |
| Net interest margin | 5.2842% | 87 |
| Noninterest income to average assets | 2.2820% | 277 |
| Noninterest expense to average assets | 5.4116% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.6065% | 628 |
| Return on assets (ROA) | 1.6065% | 687 |
| Pretax return on assets | 1.6065% | 1,065 |
| Return on Equity (ROE) | 15.0996% | 629 |
| Retained earnings to average equity (ytd only) | 10.3438% | 523 |
| Net charge-offs to loans | -0.1039% | 4,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1089% | 1,109 |
| Assets per employee ($millions) | 1.7705% | 4,937 |
| Cash dividends to net income (ytd only)* | 31.4961% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 1,847 |
| Loan loss allowance to noncurrent loans | 41.9799% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 3.5042% | 83 |
| Noncurrent loans to loans | 3.4105% | 216 |
| Net loans and leases to total assets | 54.2761% | 3,467 |
| Net loans and leases to deposits | 61.1183% | 3,672 |
| Net loans and leases to core deposits | 62.5624% | 3,802 |
| Total domestic deposits to total assets | 88.8050% | 1,069 |
| Equity capital to assets | 10.3219% | 2,812 |
| Core capital (leverage) ratio | 10.2981% | 2,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3458% | 853 |
| Memoranda: | ||
| Average total assets | $39,526,000 | 4,775 |
| Average earning assets | $35,426,400 | 4,773 |
| Average equity | $4,205,400 | 4,827 |
| Average total loans | $24,066,200 | 4,639 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0337% | 105 |
| Cost of funding earning assets | 0.5772% | 2,757 |
| Net interest margin | 5.4565% | 81 |
| Noninterest income to average assets | 2.1898% | 291 |
| Noninterest expense to average assets | 5.7100% | 141 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3545% | 1,217 |
| Return on assets (ROA) | 1.3545% | 1,321 |
| Pretax return on assets | 1.3545% | 1,867 |
| Return on Equity (ROE) | 12.6271% | 1,214 |
| Retained earnings to average equity (ytd only) | 12.6271% | 362 |
| Net charge-offs to loans | -0.0935% | 4,813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8273% | 813 |
| Assets per employee ($millions) | 1.7912% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 1,689 |
| Loan loss allowance to noncurrent loans | 38.6068% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 3.7332% | 92 |
| Noncurrent loans to loans | 3.6584% | 204 |
| Net loans and leases to total assets | 55.4032% | 3,671 |
| Net loans and leases to deposits | 62.3566% | 3,909 |
| Net loans and leases to core deposits | 63.8837% | 4,013 |
| Total domestic deposits to total assets | 88.8490% | 838 |
| Equity capital to assets | 10.5466% | 2,752 |
| Core capital (leverage) ratio | 10.7274% | 2,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1733% | 886 |
| Memoranda: | ||
| Average total assets | $38,784,500 | 4,813 |
| Average earning assets | $34,648,750 | 4,813 |
| Average equity | $4,160,250 | 4,854 |
| Average total loans | $24,233,250 | 4,662 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4657% | 89 |
| Cost of funding earning assets | 0.6217% | 2,853 |
| Net interest margin | 5.8440% | 73 |
| Noninterest income to average assets | 2.3170% | 245 |
| Noninterest expense to average assets | 5.8241% | 141 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6904% | 634 |
| Return on assets (ROA) | 1.6904% | 686 |
| Pretax return on assets | 1.6904% | 1,021 |
| Return on Equity (ROE) | 15.6636% | 618 |
| Retained earnings to average equity (ytd only) | 15.6636% | 188 |
| Net charge-offs to loans | -0.1057% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5053% | 1,102 |
| Assets per employee ($millions) | 1.7105% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 2,051 |
| Loan loss allowance to noncurrent loans | 66.1885% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 2.9968% | 156 |
| Noncurrent loans to loans | 1.9499% | 703 |
| Net loans and leases to total assets | 62.7929% | 3,035 |
| Net loans and leases to deposits | 70.9905% | 3,349 |
| Net loans and leases to core deposits | 72.8581% | 3,530 |
| Total domestic deposits to total assets | 88.4525% | 967 |
| Equity capital to assets | 10.8612% | 2,453 |
| Core capital (leverage) ratio | 11.2639% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6913% | 1,098 |
| Memoranda: | ||
| Average total assets | $37,980,000 | 4,845 |
| Average earning assets | $33,778,333 | 4,844 |
| Average equity | $4,098,667 | 4,885 |
| Average total loans | $24,593,667 | 4,675 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4108% | 93 |
| Cost of funding earning assets | 0.6678% | 3,072 |
| Net interest margin | 5.7430% | 67 |
| Noninterest income to average assets | 2.0698% | 256 |
| Noninterest expense to average assets | 6.0055% | 148 |
| Loan and lease loss provision to assets | -0.1287% | 5,078 |
| Net operating income to assets | 1.2654% | 1,342 |
| Return on assets (ROA) | 1.2654% | 1,436 |
| Pretax return on assets | 1.2654% | 1,977 |
| Return on Equity (ROE) | 11.7662% | 1,173 |
| Retained earnings to average equity (ytd only) | 11.7662% | 448 |
| Net charge-offs to loans | -0.1969% | 4,937 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0841% | 828 |
| Assets per employee ($millions) | 1.5887% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2548% | 2,365 |
| Loan loss allowance to noncurrent loans | 35.5913% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 5.1616% | 61 |
| Noncurrent loans to loans | 3.5256% | 267 |
| Net loans and leases to total assets | 66.7643% | 2,727 |
| Net loans and leases to deposits | 75.7821% | 3,092 |
| Net loans and leases to core deposits | 78.1490% | 3,345 |
| Total domestic deposits to total assets | 88.1004% | 1,071 |
| Equity capital to assets | 11.1388% | 2,741 |
| Core capital (leverage) ratio | 10.8614% | 2,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8698% | 1,381 |
| Memoranda: | ||
| Average total assets | $37,299,000 | 4,891 |
| Average earning assets | $32,944,500 | 4,890 |
| Average equity | $4,011,500 | 4,937 |
| Average total loans | $24,377,000 | 4,713 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6358% | 92 |
| Cost of funding earning assets | 0.7332% | 3,006 |
| Net interest margin | 5.9026% | 71 |
| Noninterest income to average assets | 0.7068% | 1,792 |
| Noninterest expense to average assets | 5.6669% | 153 |
| Loan and lease loss provision to assets | -0.3521% | 5,155 |
| Net operating income to assets | 0.6682% | 3,958 |
| Return on assets (ROA) | 0.6682% | 4,035 |
| Pretax return on assets | 0.6682% | 4,285 |
| Return on Equity (ROE) | 6.3473% | 3,801 |
| Retained earnings to average equity (ytd only) | -0.1465% | 4,724 |
| Net charge-offs to loans | -0.3443% | 5,098 |
| Credit loss provision to net charge-offs | 165.0602% | 1,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7165% | 232 |
| Assets per employee ($millions) | 1.5858% | 5,108 |
| Cash dividends to net income (ytd only)* | 102.3077% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 1,975 |
| Loan loss allowance to noncurrent loans | 59.3870% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 4.0358% | 95 |
| Noncurrent loans to loans | 2.1706% | 575 |
| Net loans and leases to total assets | 62.3742% | 3,364 |
| Net loans and leases to deposits | 70.7824% | 3,608 |
| Net loans and leases to core deposits | 74.8746% | 3,654 |
| Total domestic deposits to total assets | 88.1211% | 1,074 |
| Equity capital to assets | 10.3865% | 3,555 |
| Core capital (leverage) ratio | 10.2520% | 3,244 |
| Tier 1 risk-based capital ratio | 15.6899% | 2,507 |
| Total risk-based capital ratio | 16.9225% | 2,452 |
| Memoranda: | ||
| Average total assets | $38,910,000 | 4,910 |
| Average earning assets | $34,781,000 | 4,920 |
| Average equity | $4,096,200 | 4,983 |
| Average total loans | $24,108,800 | 4,780 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5984% | 102 |
| Cost of funding earning assets | 0.7306% | 3,065 |
| Net interest margin | 5.8678% | 72 |
| Noninterest income to average assets | 0.3545% | 3,606 |
| Noninterest expense to average assets | 5.4945% | 161 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.1159% | 5,009 |
| Return on assets (ROA) | 0.1159% | 5,022 |
| Pretax return on assets | 0.1159% | 5,030 |
| Return on Equity (ROE) | 1.1109% | 5,002 |
| Retained earnings to average equity (ytd only) | 1.1109% | 4,540 |
| Net charge-offs to loans | 0.1713% | 993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1.0968% | 3,326 |
| Efficiency ratio | 97.9344% | 172 |
| Assets per employee ($millions) | 1.6702% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 1,454 |
| Loan loss allowance to noncurrent loans | 39.3152% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 2.5069% | 273 |
| Noncurrent loans to loans | 3.6429% | 209 |
| Net loans and leases to total assets | 59.6605% | 3,707 |
| Net loans and leases to deposits | 67.5231% | 3,953 |
| Net loans and leases to core deposits | 71.3601% | 3,985 |
| Total domestic deposits to total assets | 88.3558% | 896 |
| Equity capital to assets | 10.3973% | 3,641 |
| Core capital (leverage) ratio | 10.3831% | 3,221 |
| Tier 1 risk-based capital ratio | 16.5566% | 2,246 |
| Total risk-based capital ratio | 17.8066% | 2,178 |
| Memoranda: | ||
| Average total assets | $39,117,250 | 4,979 |
| Average earning assets | $35,037,750 | 4,988 |
| Average equity | $4,080,500 | 5,054 |
| Average total loans | $24,123,750 | 4,849 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5804% | 104 |
| Cost of funding earning assets | 0.7267% | 3,007 |
| Net interest margin | 5.8537% | 73 |
| Noninterest income to average assets | 2.0279% | 258 |
| Noninterest expense to average assets | 5.6618% | 151 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6060% | 895 |
| Return on assets (ROA) | 1.6060% | 934 |
| Pretax return on assets | 1.6060% | 1,530 |
| Return on Equity (ROE) | 15.3796% | 687 |
| Retained earnings to average equity (ytd only) | 15.3796% | 152 |
| Net charge-offs to loans | 0.2458% | 688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 10.5333% | 2,265 |
| Efficiency ratio | 77.9021% | 1,164 |
| Assets per employee ($millions) | 1.7039% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 1,803 |
| Loan loss allowance to noncurrent loans | 40.5832% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 3.5621% | 139 |
| Noncurrent loans to loans | 3.3328% | 273 |
| Net loans and leases to total assets | 62.1587% | 3,528 |
| Net loans and leases to deposits | 70.8201% | 3,779 |
| Net loans and leases to core deposits | 74.7675% | 3,839 |
| Total domestic deposits to total assets | 87.7698% | 1,210 |
| Equity capital to assets | 10.9109% | 3,167 |
| Core capital (leverage) ratio | 10.9287% | 2,664 |
| Tier 1 risk-based capital ratio | 16.6686% | 2,185 |
| Total risk-based capital ratio | 17.9184% | 2,136 |
| Memoranda: | ||
| Average total assets | $39,351,670 | 5,020 |
| Average earning assets | $35,225,670 | 5,021 |
| Average equity | $4,109,330 | 5,089 |
| Average total loans | $24,414,670 | 4,875 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9886% | 71 |
| Cost of funding earning assets | 0.7113% | 2,995 |
| Net interest margin | 6.2773% | 57 |
| Noninterest income to average assets | 1.3694% | 456 |
| Noninterest expense to average assets | 5.7009% | 151 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3086% | 1,671 |
| Return on assets (ROA) | 1.3086% | 1,710 |
| Pretax return on assets | 1.3086% | 2,420 |
| Return on Equity (ROE) | 12.8167% | 1,273 |
| Retained earnings to average equity (ytd only) | 12.8167% | 487 |
| Net charge-offs to loans | 0.4943% | 307 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.3000% | 2,334 |
| Efficiency ratio | 81.3314% | 939 |
| Assets per employee ($millions) | 1.7371% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 1,615 |
| Loan loss allowance to noncurrent loans | 55.4817% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 3.1286% | 195 |
| Noncurrent loans to loans | 2.5513% | 507 |
| Net loans and leases to total assets | 58.2220% | 3,861 |
| Net loans and leases to deposits | 65.8532% | 4,064 |
| Net loans and leases to core deposits | 69.4015% | 4,112 |
| Total domestic deposits to total assets | 88.4117% | 1,126 |
| Equity capital to assets | 10.2368% | 3,587 |
| Core capital (leverage) ratio | 10.3035% | 3,272 |
| Tier 1 risk-based capital ratio | 16.3051% | 2,334 |
| Total risk-based capital ratio | 17.5556% | 2,281 |
| Memoranda: | ||
| Average total assets | $39,432,500 | 5,071 |
| Average earning assets | $35,429,000 | 5,071 |
| Average equity | $4,026,000 | 5,148 |
| Average total loans | $24,275,000 | 4,929 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7546% | 47 |
| Cost of funding earning assets | 0.4900% | 3,420 |
| Net interest margin | 7.2646% | 33 |
| Noninterest income to average assets | 1.0841% | 792 |
| Noninterest expense to average assets | 5.9463% | 134 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6727% | 733 |
| Return on assets (ROA) | 1.6727% | 732 |
| Pretax return on assets | 1.6727% | 1,241 |
| Return on Equity (ROE) | 15.6274% | 700 |
| Retained earnings to average equity (ytd only) | 8.6449% | 998 |
| Net charge-offs to loans | 0.2332% | 836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 11.1091% | 2,658 |
| Efficiency ratio | 78.0453% | 1,126 |
| Assets per employee ($millions) | 1.6918% | 5,335 |
| Cash dividends to net income (ytd only)* | 44.6809% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 1,423 |
| Loan loss allowance to noncurrent loans | 33.9236% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 4.4229% | 90 |
| Noncurrent loans to loans | 4.2999% | 158 |
| Net loans and leases to total assets | 63.1955% | 3,442 |
| Net loans and leases to deposits | 71.9363% | 3,677 |
| Net loans and leases to core deposits | 74.0395% | 3,849 |
| Total domestic deposits to total assets | 87.8492% | 1,371 |
| Equity capital to assets | 10.1822% | 3,486 |
| Core capital (leverage) ratio | 10.2177% | 3,340 |
| Tier 1 risk-based capital ratio | 15.1284% | 2,769 |
| Total risk-based capital ratio | 16.3802% | 2,705 |
| Memoranda: | ||
| Average total assets | $36,527,200 | 5,152 |
| Average earning assets | $32,857,800 | 5,152 |
| Average equity | $3,909,800 | 5,191 |
| Average total loans | $23,581,000 | 4,983 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6651% | 46 |
| Cost of funding earning assets | 0.4463% | 3,548 |
| Net interest margin | 7.2189% | 33 |
| Noninterest income to average assets | 1.1986% | 657 |
| Noninterest expense to average assets | 5.7850% | 142 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8962% | 491 |
| Return on assets (ROA) | 1.8962% | 488 |
| Pretax return on assets | 1.8962% | 824 |
| Return on Equity (ROE) | 17.4843% | 487 |
| Retained earnings to average equity (ytd only) | 17.4843% | 97 |
| Net charge-offs to loans | 0.0976% | 1,520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 30.0538% | 1,607 |
| Efficiency ratio | 75.3140% | 1,430 |
| Assets per employee ($millions) | 1.5495% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 951 |
| Loan loss allowance to noncurrent loans | 36.0538% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 5.0097% | 87 |
| Noncurrent loans to loans | 4.5940% | 160 |
| Net loans and leases to total assets | 64.1847% | 3,401 |
| Net loans and leases to deposits | 73.6266% | 3,625 |
| Net loans and leases to core deposits | 78.1156% | 3,646 |
| Total domestic deposits to total assets | 87.1760% | 1,653 |
| Equity capital to assets | 11.1219% | 2,546 |
| Core capital (leverage) ratio | 11.4806% | 2,182 |
| Tier 1 risk-based capital ratio | 16.0227% | 2,444 |
| Total risk-based capital ratio | 17.2731% | 2,377 |
| Memoranda: | ||
| Average total assets | $35,931,250 | 5,222 |
| Average earning assets | $32,266,500 | 5,227 |
| Average equity | $3,896,750 | 5,260 |
| Average total loans | $23,237,750 | 5,055 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9262% | 42 |
| Cost of funding earning assets | 0.4205% | 3,570 |
| Net interest margin | 7.5057% | 30 |
| Noninterest income to average assets | 1.1714% | 700 |
| Noninterest expense to average assets | 5.7276% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.1795% | 269 |
| Return on assets (ROA) | 2.1795% | 262 |
| Pretax return on assets | 2.1795% | 406 |
| Return on Equity (ROE) | 20.2777% | 249 |
| Retained earnings to average equity (ytd only) | 20.2777% | 62 |
| Net charge-offs to loans | -0.0262% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4359% | 1,929 |
| Assets per employee ($millions) | 1.4811% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7287% | 859 |
| Loan loss allowance to noncurrent loans | 71.2838% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 3.7697% | 157 |
| Noncurrent loans to loans | 2.4251% | 543 |
| Net loans and leases to total assets | 67.4853% | 2,948 |
| Net loans and leases to deposits | 77.7072% | 3,183 |
| Net loans and leases to core deposits | 80.7140% | 3,354 |
| Total domestic deposits to total assets | 86.8456% | 1,906 |
| Equity capital to assets | 11.2865% | 2,370 |
| Core capital (leverage) ratio | 11.6940% | 1,913 |
| Tier 1 risk-based capital ratio | 15.5723% | 2,604 |
| Total risk-based capital ratio | 16.8256% | 2,545 |
| Memoranda: | ||
| Average total assets | $35,512,330 | 5,295 |
| Average earning assets | $31,869,000 | 5,302 |
| Average equity | $3,817,000 | 5,328 |
| Average total loans | $22,893,330 | 5,127 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8729% | 39 |
| Cost of funding earning assets | 0.4262% | 3,392 |
| Net interest margin | 7.4466% | 31 |
| Noninterest income to average assets | 0.9917% | 925 |
| Noninterest expense to average assets | 5.5895% | 165 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0961% | 297 |
| Return on assets (ROA) | 2.0961% | 298 |
| Pretax return on assets | 2.0961% | 470 |
| Return on Equity (ROE) | 20.0027% | 246 |
| Retained earnings to average equity (ytd only) | 20.0027% | 103 |
| Net charge-offs to loans | -0.0542% | 5,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 2,087 |
| Assets per employee ($millions) | 1.5023% | 5,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8826% | 679 |
| Loan loss allowance to noncurrent loans | 146.0208% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 3.0013% | 271 |
| Noncurrent loans to loans | 1.2893% | 1,394 |
| Net loans and leases to total assets | 63.6548% | 3,353 |
| Net loans and leases to deposits | 73.1621% | 3,500 |
| Net loans and leases to core deposits | 77.1395% | 3,560 |
| Total domestic deposits to total assets | 87.0051% | 2,119 |
| Equity capital to assets | 11.0326% | 2,549 |
| Core capital (leverage) ratio | 10.7329% | 2,705 |
| Tier 1 risk-based capital ratio | 16.8045% | 2,177 |
| Total risk-based capital ratio | 18.0604% | 2,124 |
| Memoranda: | ||
| Average total assets | $35,495,000 | 5,354 |
| Average earning assets | $31,907,000 | 5,354 |
| Average equity | $3,719,500 | 5,393 |
| Average total loans | $22,134,500 | 5,203 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4588% | 77 |
| Cost of funding earning assets | 0.4758% | 2,538 |
| Net interest margin | 5.9830% | 72 |
| Noninterest income to average assets | 1.2366% | 689 |
| Noninterest expense to average assets | 5.0093% | 217 |
| Loan and lease loss provision to assets | 0.1882% | 1,117 |
| Net operating income to assets | 1.4641% | 877 |
| Return on assets (ROA) | 1.4641% | 886 |
| Pretax return on assets | 1.4641% | 1,765 |
| Return on Equity (ROE) | 15.6276% | 524 |
| Retained earnings to average equity (ytd only) | 8.3719% | 653 |
| Net charge-offs to loans | 0.0294% | 3,216 |
| Credit loss provision to net charge-offs | 1,028.5714% | 348 |
| Earnings coverage of net charge-offs (x) | 90.2857% | 697 |
| Efficiency ratio | 75.1962% | 1,733 |
| Assets per employee ($millions) | 1.4575% | 5,605 |
| Cash dividends to net income (ytd only)* | 46.4286% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9174% | 627 |
| Loan loss allowance to noncurrent loans | 90.6926% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 3.3207% | 210 |
| Noncurrent loans to loans | 2.1141% | 708 |
| Net loans and leases to total assets | 58.8232% | 3,938 |
| Net loans and leases to deposits | 67.3009% | 4,079 |
| Net loans and leases to core deposits | 72.5764% | 4,004 |
| Total domestic deposits to total assets | 87.4033% | 1,813 |
| Equity capital to assets | 9.9539% | 3,754 |
| Core capital (leverage) ratio | 9.6249% | 3,893 |
| Tier 1 risk-based capital ratio | 16.2421% | 2,347 |
| Total risk-based capital ratio | 17.5001% | 2,281 |
| Memoranda: | ||
| Average total assets | $38,249,000 | 5,357 |
| Average earning assets | $34,681,600 | 5,357 |
| Average equity | $3,583,400 | 5,470 |
| Average total loans | $23,813,600 | 5,200 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4881% | 74 |
| Cost of funding earning assets | 0.4778% | 2,448 |
| Net interest margin | 6.0103% | 70 |
| Noninterest income to average assets | 1.3539% | 571 |
| Noninterest expense to average assets | 5.0160% | 221 |
| Loan and lease loss provision to assets | 0.1860% | 1,059 |
| Net operating income to assets | 1.6123% | 688 |
| Return on assets (ROA) | 1.6123% | 710 |
| Pretax return on assets | 1.6123% | 1,372 |
| Return on Equity (ROE) | 17.4662% | 377 |
| Retained earnings to average equity (ytd only) | 17.4662% | 68 |
| Net charge-offs to loans | -0.0165% | 4,782 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6097% | 1,953 |
| Assets per employee ($millions) | 1.5813% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 853 |
| Loan loss allowance to noncurrent loans | 96.7059% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 3.0909% | 284 |
| Noncurrent loans to loans | 1.8626% | 936 |
| Net loans and leases to total assets | 59.0435% | 3,960 |
| Net loans and leases to deposits | 66.8926% | 4,191 |
| Net loans and leases to core deposits | 74.2839% | 3,950 |
| Total domestic deposits to total assets | 88.2661% | 1,227 |
| Equity capital to assets | 10.0026% | 3,906 |
| Core capital (leverage) ratio | 9.9260% | 3,655 |
| Tier 1 risk-based capital ratio | 16.6140% | 2,280 |
| Total risk-based capital ratio | 17.8700% | 2,233 |
| Memoranda: | ||
| Average total assets | $38,701,750 | 5,408 |
| Average earning assets | $35,161,000 | 5,406 |
| Average equity | $3,572,500 | 5,534 |
| Average total loans | $24,303,750 | 5,235 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3530% | 87 |
| Cost of funding earning assets | 0.4744% | 2,380 |
| Net interest margin | 5.8786% | 80 |
| Noninterest income to average assets | 1.3863% | 558 |
| Noninterest expense to average assets | 4.9342% | 227 |
| Loan and lease loss provision to assets | 0.1848% | 1,020 |
| Net operating income to assets | 1.6122% | 681 |
| Return on assets (ROA) | 1.6122% | 706 |
| Pretax return on assets | 1.6122% | 1,306 |
| Return on Equity (ROE) | 17.9531% | 336 |
| Retained earnings to average equity (ytd only) | 17.9531% | 77 |
| Net charge-offs to loans | -0.0242% | 4,849 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3028% | 2,128 |
| Assets per employee ($millions) | 1.6390% | 5,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 1,258 |
| Loan loss allowance to noncurrent loans | 98.4962% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 2.9159% | 324 |
| Noncurrent loans to loans | 1.6251% | 1,135 |
| Net loans and leases to total assets | 61.4196% | 3,699 |
| Net loans and leases to deposits | 68.9321% | 3,997 |
| Net loans and leases to core deposits | 76.1521% | 3,759 |
| Total domestic deposits to total assets | 89.1016% | 908 |
| Equity capital to assets | 9.2612% | 4,663 |
| Core capital (leverage) ratio | 9.4968% | 4,137 |
| Tier 1 risk-based capital ratio | 15.1076% | 2,883 |
| Total risk-based capital ratio | 16.3607% | 2,815 |
| Memoranda: | ||
| Average total assets | $38,952,330 | 5,444 |
| Average earning assets | $35,416,330 | 5,444 |
| Average equity | $3,498,000 | 5,587 |
| Average total loans | $24,799,000 | 5,252 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6041% | 76 |
| Cost of funding earning assets | 0.4888% | 2,173 |
| Net interest margin | 6.1154% | 70 |
| Noninterest income to average assets | 1.3519% | 572 |
| Noninterest expense to average assets | 4.7574% | 278 |
| Loan and lease loss provision to assets | 0.1858% | 911 |
| Net operating income to assets | 1.9608% | 325 |
| Return on assets (ROA) | 1.9608% | 339 |
| Pretax return on assets | 1.9608% | 548 |
| Return on Equity (ROE) | 22.1865% | 147 |
| Retained earnings to average equity (ytd only) | 22.1865% | 76 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9088% | 3,063 |
| Assets per employee ($millions) | 1.7556% | 5,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 1,676 |
| Loan loss allowance to noncurrent loans | 88.1517% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 3.0292% | 334 |
| Noncurrent loans to loans | 1.7075% | 1,122 |
| Net loans and leases to total assets | 63.0230% | 3,400 |
| Net loans and leases to deposits | 70.6364% | 3,732 |
| Net loans and leases to core deposits | 77.1268% | 3,550 |
| Total domestic deposits to total assets | 89.2217% | 1,043 |
| Equity capital to assets | 9.1135% | 4,699 |
| Core capital (leverage) ratio | 9.0006% | 4,741 |
| Tier 1 risk-based capital ratio | 14.5744% | 3,165 |
| Total risk-based capital ratio | 15.8302% | 3,090 |
| Memoranda: | ||
| Average total assets | $38,760,500 | 5,513 |
| Average earning assets | $35,190,000 | 5,506 |
| Average equity | $3,425,500 | 5,655 |
| Average total loans | $24,922,000 | 5,300 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2351% | 92 |
| Cost of funding earning assets | 0.5099% | 2,016 |
| Net interest margin | 5.7251% | 80 |
| Noninterest income to average assets | 0.9972% | 1,159 |
| Noninterest expense to average assets | 5.2800% | 229 |
| Loan and lease loss provision to assets | 0.3853% | 416 |
| Net operating income to assets | 0.4764% | 4,724 |
| Return on assets (ROA) | 0.4764% | 4,799 |
| Pretax return on assets | 0.4764% | 5,076 |
| Return on Equity (ROE) | 5.1947% | 4,331 |
| Retained earnings to average equity (ytd only) | -1.1922% | 5,468 |
| Net charge-offs to loans | 0.4795% | 513 |
| Credit loss provision to net charge-offs | 122.3140% | 2,174 |
| Earnings coverage of net charge-offs (x) | 2.7355% | 3,779 |
| Efficiency ratio | 85.9686% | 824 |
| Assets per employee ($millions) | 1.7680% | 5,821 |
| Cash dividends to net income (ytd only)* | 122.9508% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 2,040 |
| Loan loss allowance to noncurrent loans | 52.9148% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 3.6918% | 224 |
| Noncurrent loans to loans | 2.6622% | 572 |
| Net loans and leases to total assets | 63.6964% | 3,399 |
| Net loans and leases to deposits | 71.5366% | 3,755 |
| Net loans and leases to core deposits | 77.4444% | 3,609 |
| Total domestic deposits to total assets | 89.0403% | 1,098 |
| Equity capital to assets | 8.5636% | 5,219 |
| Core capital (leverage) ratio | 8.3197% | 5,423 |
| Tier 1 risk-based capital ratio | 13.3368% | 3,871 |
| Total risk-based capital ratio | 14.5880% | 3,781 |
| Memoranda: | ||
| Average total assets | $38,409,200 | 5,569 |
| Average earning assets | $34,514,400 | 5,580 |
| Average equity | $3,522,800 | 5,695 |
| Average total loans | $25,235,000 | 5,340 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2612% | 90 |
| Cost of funding earning assets | 0.5205% | 1,936 |
| Net interest margin | 5.7408% | 80 |
| Noninterest income to average assets | 1.3999% | 605 |
| Noninterest expense to average assets | 5.1260% | 246 |
| Loan and lease loss provision to assets | 0.1881% | 1,161 |
| Net operating income to assets | 1.2328% | 1,509 |
| Return on assets (ROA) | 1.2328% | 1,614 |
| Pretax return on assets | 1.2328% | 2,693 |
| Return on Equity (ROE) | 13.2182% | 993 |
| Retained earnings to average equity (ytd only) | 13.2182% | 210 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2979% | 1,648 |
| Assets per employee ($millions) | 1.7109% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 1,695 |
| Loan loss allowance to noncurrent loans | 45.1422% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 5.0318% | 143 |
| Noncurrent loans to loans | 3.3652% | 402 |
| Net loans and leases to total assets | 62.7675% | 3,548 |
| Net loans and leases to deposits | 70.8540% | 3,906 |
| Net loans and leases to core deposits | 76.6597% | 3,779 |
| Total domestic deposits to total assets | 88.5870% | 1,109 |
| Equity capital to assets | 9.4765% | 4,683 |
| Core capital (leverage) ratio | 9.3283% | 4,426 |
| Tier 1 risk-based capital ratio | 14.9300% | 3,085 |
| Total risk-based capital ratio | 16.1852% | 3,007 |
| Memoranda: | ||
| Average total assets | $38,287,250 | 5,626 |
| Average earning assets | $34,326,750 | 5,637 |
| Average equity | $3,570,750 | 5,751 |
| Average total loans | $25,261,250 | 5,395 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3538% | 84 |
| Cost of funding earning assets | 0.5069% | 2,046 |
| Net interest margin | 5.8469% | 82 |
| Noninterest income to average assets | 1.5343% | 512 |
| Noninterest expense to average assets | 5.1512% | 247 |
| Loan and lease loss provision to assets | 0.1898% | 1,145 |
| Net operating income to assets | 1.4236% | 1,020 |
| Return on assets (ROA) | 1.4236% | 1,063 |
| Pretax return on assets | 1.4236% | 1,934 |
| Return on Equity (ROE) | 15.3496% | 633 |
| Retained earnings to average equity (ytd only) | 15.3496% | 135 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1496% | 2,060 |
| Assets per employee ($millions) | 1.7378% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 2,197 |
| Loan loss allowance to noncurrent loans | 69.2748% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 4.2157% | 199 |
| Noncurrent loans to loans | 2.0539% | 953 |
| Net loans and leases to total assets | 62.9222% | 3,514 |
| Net loans and leases to deposits | 70.4916% | 3,939 |
| Net loans and leases to core deposits | 75.5346% | 3,861 |
| Total domestic deposits to total assets | 89.2619% | 778 |
| Equity capital to assets | 9.1218% | 5,144 |
| Core capital (leverage) ratio | 9.1646% | 4,641 |
| Tier 1 risk-based capital ratio | 14.1404% | 3,529 |
| Total risk-based capital ratio | 15.3918% | 3,441 |
| Memoranda: | ||
| Average total assets | $37,933,000 | 5,704 |
| Average earning assets | $33,932,330 | 5,709 |
| Average equity | $3,518,000 | 5,825 |
| Average total loans | $25,321,670 | 5,451 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4916% | 77 |
| Cost of funding earning assets | 0.4863% | 2,217 |
| Net interest margin | 6.0053% | 66 |
| Noninterest income to average assets | 1.7446% | 412 |
| Noninterest expense to average assets | 5.2446% | 239 |
| Loan and lease loss provision to assets | 0.1950% | 1,016 |
| Net operating income to assets | 1.6579% | 627 |
| Return on assets (ROA) | 1.6579% | 666 |
| Pretax return on assets | 1.6579% | 1,164 |
| Return on Equity (ROE) | 17.7186% | 381 |
| Retained earnings to average equity (ytd only) | 17.7186% | 135 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8931% | 2,493 |
| Assets per employee ($millions) | 1.6677% | 6,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 2,499 |
| Loan loss allowance to noncurrent loans | 65.2174% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 4.4059% | 207 |
| Noncurrent loans to loans | 2.1217% | 987 |
| Net loans and leases to total assets | 64.1014% | 3,230 |
| Net loans and leases to deposits | 71.9263% | 3,655 |
| Net loans and leases to core deposits | 75.5137% | 3,729 |
| Total domestic deposits to total assets | 89.1209% | 1,040 |
| Equity capital to assets | 9.2028% | 4,985 |
| Core capital (leverage) ratio | 9.4332% | 4,303 |
| Tier 1 risk-based capital ratio | 14.0355% | 3,669 |
| Total risk-based capital ratio | 15.2871% | 3,595 |
| Memoranda: | ||
| Average total assets | $36,914,500 | 5,779 |
| Average earning assets | $32,904,000 | 5,791 |
| Average equity | $3,454,000 | 5,888 |
| Average total loans | $25,226,000 | 5,502 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7596% | 67 |
| Cost of funding earning assets | 0.4385% | 2,753 |
| Net interest margin | 6.3211% | 60 |
| Noninterest income to average assets | 1.3312% | 678 |
| Noninterest expense to average assets | 5.6794% | 197 |
| Loan and lease loss provision to assets | 0.2622% | 710 |
| Net operating income to assets | 0.9970% | 2,376 |
| Return on assets (ROA) | 0.9970% | 2,476 |
| Pretax return on assets | 0.9970% | 3,489 |
| Return on Equity (ROE) | 10.6540% | 1,735 |
| Retained earnings to average equity (ytd only) | 10.6540% | 382 |
| Net charge-offs to loans | 0.7055% | 339 |
| Credit loss provision to net charge-offs | 53.8462% | 3,349 |
| Earnings coverage of net charge-offs (x) | 2.5858% | 3,871 |
| Efficiency ratio | 81.8522% | 1,429 |
| Assets per employee ($millions) | 1.4780% | 6,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 3,011 |
| Loan loss allowance to noncurrent loans | 52.1531% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 5.0407% | 172 |
| Noncurrent loans to loans | 2.4570% | 760 |
| Net loans and leases to total assets | 71.0214% | 2,192 |
| Net loans and leases to deposits | 80.2165% | 2,799 |
| Net loans and leases to core deposits | 83.8755% | 2,979 |
| Total domestic deposits to total assets | 88.5371% | 1,359 |
| Equity capital to assets | 9.5233% | 4,527 |
| Core capital (leverage) ratio | 9.7460% | 3,838 |
| Tier 1 risk-based capital ratio | 12.9639% | 4,347 |
| Total risk-based capital ratio | 14.2151% | 4,251 |
| Memoranda: | ||
| Average total assets | $34,704,600 | 5,875 |
| Average earning assets | $30,785,800 | 5,888 |
| Average equity | $3,247,600 | 5,965 |
| Average total loans | $23,955,000 | 5,588 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6669% | 69 |
| Cost of funding earning assets | 0.4442% | 2,744 |
| Net interest margin | 6.2228% | 64 |
| Noninterest income to average assets | 1.3019% | 711 |
| Noninterest expense to average assets | 5.3196% | 229 |
| Loan and lease loss provision to assets | 0.2086% | 945 |
| Net operating income to assets | 1.2942% | 1,357 |
| Return on assets (ROA) | 1.2942% | 1,410 |
| Pretax return on assets | 1.2942% | 2,423 |
| Return on Equity (ROE) | 13.8930% | 930 |
| Retained earnings to average equity (ytd only) | 13.8930% | 215 |
| Net charge-offs to loans | 0.3565% | 740 |
| Credit loss provision to net charge-offs | 85.7143% | 2,527 |
| Earnings coverage of net charge-offs (x) | 6.1744% | 3,089 |
| Efficiency ratio | 77.9728% | 1,948 |
| Assets per employee ($millions) | 1.4718% | 6,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 1,757 |
| Loan loss allowance to noncurrent loans | 53.0831% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 5.4591% | 165 |
| Noncurrent loans to loans | 3.0308% | 575 |
| Net loans and leases to total assets | 71.5408% | 2,135 |
| Net loans and leases to deposits | 81.0427% | 2,761 |
| Net loans and leases to core deposits | 83.1462% | 3,135 |
| Total domestic deposits to total assets | 88.2754% | 1,411 |
| Equity capital to assets | 9.9521% | 4,219 |
| Core capital (leverage) ratio | 9.7087% | 4,026 |
| Tier 1 risk-based capital ratio | 13.4270% | 4,178 |
| Total risk-based capital ratio | 14.6830% | 4,099 |
| Memoranda: | ||
| Average total assets | $34,513,000 | 5,960 |
| Average earning assets | $30,618,000 | 5,971 |
| Average equity | $3,215,000 | 6,048 |
| Average total loans | $23,564,000 | 5,672 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5742% | 75 |
| Cost of funding earning assets | 0.4409% | 2,830 |
| Net interest margin | 6.1333% | 68 |
| Noninterest income to average assets | 1.1459% | 913 |
| Noninterest expense to average assets | 4.9002% | 309 |
| Loan and lease loss provision to assets | 0.2073% | 938 |
| Net operating income to assets | 1.4856% | 922 |
| Return on assets (ROA) | 1.4856% | 970 |
| Pretax return on assets | 1.4856% | 1,688 |
| Return on Equity (ROE) | 16.3102% | 573 |
| Retained earnings to average equity (ytd only) | 16.3102% | 146 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3231% | 2,641 |
| Assets per employee ($millions) | 1.7359% | 6,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8510% | 1,263 |
| Loan loss allowance to noncurrent loans | 114.5455% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 4.3032% | 287 |
| Noncurrent loans to loans | 1.6159% | 1,622 |
| Net loans and leases to total assets | 67.3541% | 2,739 |
| Net loans and leases to deposits | 75.7082% | 3,300 |
| Net loans and leases to core deposits | 77.6026% | 3,617 |
| Total domestic deposits to total assets | 88.9654% | 1,163 |
| Equity capital to assets | 9.4850% | 4,672 |
| Core capital (leverage) ratio | 9.5327% | 4,240 |
| Tier 1 risk-based capital ratio | 13.4215% | 4,262 |
| Total risk-based capital ratio | 14.6782% | 4,191 |
| Memoranda: | ||
| Average total assets | $34,733,330 | 6,021 |
| Average earning assets | $30,848,000 | 6,030 |
| Average equity | $3,163,670 | 6,116 |
| Average total loans | $23,214,000 | 5,735 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4183% | 82 |
| Cost of funding earning assets | 0.4279% | 2,991 |
| Net interest margin | 5.9904% | 75 |
| Noninterest income to average assets | 1.4162% | 584 |
| Noninterest expense to average assets | 5.0200% | 289 |
| Loan and lease loss provision to assets | 0.2072% | 868 |
| Net operating income to assets | 1.5083% | 833 |
| Return on assets (ROA) | 1.5083% | 885 |
| Pretax return on assets | 1.5083% | 1,542 |
| Return on Equity (ROE) | 16.9087% | 482 |
| Retained earnings to average equity (ytd only) | 16.9087% | 185 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5299% | 2,728 |
| Assets per employee ($millions) | 1.5559% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8586% | 1,377 |
| Loan loss allowance to noncurrent loans | 92.5602% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 4.5749% | 288 |
| Noncurrent loans to loans | 2.0080% | 1,302 |
| Net loans and leases to total assets | 65.2527% | 2,889 |
| Net loans and leases to deposits | 73.2881% | 3,393 |
| Net loans and leases to core deposits | 75.1421% | 3,675 |
| Total domestic deposits to total assets | 89.0359% | 1,240 |
| Equity capital to assets | 9.2580% | 5,016 |
| Core capital (leverage) ratio | 9.0901% | 4,858 |
| Tier 1 risk-based capital ratio | 13.3464% | 4,399 |
| Total risk-based capital ratio | 14.5994% | 4,313 |
| Memoranda: | ||
| Average total assets | $34,741,000 | 6,084 |
| Average earning assets | $30,849,500 | 6,094 |
| Average equity | $3,099,000 | 6,192 |
| Average total loans | $22,908,500 | 5,793 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4633% | 91 |
| Cost of funding earning assets | 0.4065% | 3,625 |
| Net interest margin | 6.0567% | 81 |
| Noninterest income to average assets | 0.9085% | 1,473 |
| Noninterest expense to average assets | 5.3530% | 251 |
| Loan and lease loss provision to assets | 0.6729% | 190 |
| Net operating income to assets | 0.2600% | 5,626 |
| Return on assets (ROA) | 0.2722% | 5,666 |
| Pretax return on assets | 0.2722% | 5,753 |
| Return on Equity (ROE) | 2.9702% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.9702% | 4,130 |
| Net charge-offs to loans | 0.8082% | 430 |
| Credit loss provision to net charge-offs | 125.7143% | 1,904 |
| Earnings coverage of net charge-offs (x) | 1.7429% | 4,342 |
| Efficiency ratio | 85.1582% | 1,265 |
| Assets per employee ($millions) | 1.8554% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7564% | 1,639 |
| Loan loss allowance to noncurrent loans | 118.7683% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 4.1132% | 401 |
| Noncurrent loans to loans | 1.4789% | 1,983 |
| Net loans and leases to total assets | 64.2602% | 3,185 |
| Net loans and leases to deposits | 71.7003% | 3,714 |
| Net loans and leases to core deposits | 72.8533% | 4,040 |
| Total domestic deposits to total assets | 89.6233% | 916 |
| Equity capital to assets | 8.5924% | 5,650 |
| Core capital (leverage) ratio | 8.9080% | 5,109 |
| Tier 1 risk-based capital ratio | 12.8907% | 4,801 |
| Total risk-based capital ratio | 14.1450% | 4,709 |
| Memoranda: | ||
| Average total assets | $32,692,000 | 6,202 |
| Average earning assets | $29,025,600 | 6,201 |
| Average equity | $2,996,400 | 6,275 |
| Average total loans | $21,652,400 | 5,894 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4902% | 93 |
| Cost of funding earning assets | 0.3983% | 3,806 |
| Net interest margin | 6.0919% | 80 |
| Noninterest income to average assets | 0.9983% | 1,231 |
| Noninterest expense to average assets | 5.1374% | 277 |
| Loan and lease loss provision to assets | 0.1498% | 1,665 |
| Net operating income to assets | 1.1190% | 1,962 |
| Return on assets (ROA) | 1.1356% | 1,977 |
| Pretax return on assets | 1.1356% | 3,047 |
| Return on Equity (ROE) | 12.1807% | 1,429 |
| Retained earnings to average equity (ytd only) | 12.1807% | 401 |
| Net charge-offs to loans | 0.0438% | 3,623 |
| Credit loss provision to net charge-offs | 514.2857% | 554 |
| Earnings coverage of net charge-offs (x) | 43.5863% | 1,069 |
| Efficiency ratio | 80.1948% | 1,883 |
| Assets per employee ($millions) | 1.7705% | 6,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7253% | 1,902 |
| Loan loss allowance to noncurrent loans | 99.4885% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 4.7476% | 377 |
| Noncurrent loans to loans | 1.7342% | 1,871 |
| Net loans and leases to total assets | 69.5284% | 2,267 |
| Net loans and leases to deposits | 78.7504% | 2,869 |
| Net loans and leases to core deposits | 78.7504% | 3,467 |
| Total domestic deposits to total assets | 88.2896% | 1,609 |
| Equity capital to assets | 9.9438% | 4,233 |
| Core capital (leverage) ratio | 9.9131% | 3,797 |
| Tier 1 risk-based capital ratio | 13.6936% | 4,420 |
| Total risk-based capital ratio | 14.9494% | 4,353 |
| Memoranda: | ||
| Average total assets | $32,052,000 | 6,288 |
| Average earning assets | $28,452,250 | 6,286 |
| Average equity | $2,988,250 | 6,348 |
| Average total loans | $21,301,000 | 5,971 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2246% | 113 |
| Cost of funding earning assets | 0.3925% | 3,950 |
| Net interest margin | 5.8320% | 92 |
| Noninterest income to average assets | 1.0463% | 1,085 |
| Noninterest expense to average assets | 5.1755% | 282 |
| Loan and lease loss provision to assets | 0.1868% | 1,305 |
| Net operating income to assets | 0.8657% | 2,974 |
| Return on assets (ROA) | 0.8657% | 3,067 |
| Pretax return on assets | 0.8657% | 4,012 |
| Return on Equity (ROE) | 9.4945% | 2,373 |
| Retained earnings to average equity (ytd only) | 9.4945% | 838 |
| Net charge-offs to loans | 0.0670% | 3,032 |
| Credit loss provision to net charge-offs | 428.5714% | 652 |
| Earnings coverage of net charge-offs (x) | 24.1429% | 1,438 |
| Efficiency ratio | 83.1000% | 1,617 |
| Assets per employee ($millions) | 1.8061% | 6,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8209% | 1,788 |
| Loan loss allowance to noncurrent loans | 95.2736% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 4.6878% | 405 |
| Noncurrent loans to loans | 1.9113% | 1,786 |
| Net loans and leases to total assets | 63.5189% | 3,155 |
| Net loans and leases to deposits | 71.4508% | 3,643 |
| Net loans and leases to core deposits | 71.4508% | 4,108 |
| Total domestic deposits to total assets | 88.8988% | 1,421 |
| Equity capital to assets | 9.3725% | 4,872 |
| Core capital (leverage) ratio | 9.6809% | 4,069 |
| Tier 1 risk-based capital ratio | 13.7493% | 4,414 |
| Total risk-based capital ratio | 15.0070% | 4,360 |
| Memoranda: | ||
| Average total assets | $32,113,000 | 6,344 |
| Average earning assets | $28,532,000 | 6,343 |
| Average equity | $2,928,000 | 6,410 |
| Average total loans | $20,885,670 | 6,034 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2438% | 109 |
| Cost of funding earning assets | 0.3946% | 4,034 |
| Net interest margin | 5.8492% | 92 |
| Noninterest income to average assets | 0.7645% | 1,891 |
| Noninterest expense to average assets | 5.0259% | 314 |
| Loan and lease loss provision to assets | 0.2256% | 990 |
| Net operating income to assets | 0.7144% | 3,605 |
| Return on assets (ROA) | 0.7144% | 3,694 |
| Pretax return on assets | 0.7144% | 4,443 |
| Return on Equity (ROE) | 7.9484% | 2,954 |
| Retained earnings to average equity (ytd only) | 7.9484% | 1,612 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2437% | 1,644 |
| Assets per employee ($millions) | 1.7822% | 6,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7703% | 2,126 |
| Loan loss allowance to noncurrent loans | 111.1765% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 4.5575% | 479 |
| Noncurrent loans to loans | 1.5924% | 2,426 |
| Net loans and leases to total assets | 65.3823% | 2,656 |
| Net loans and leases to deposits | 73.4873% | 3,132 |
| Net loans and leases to core deposits | 73.4873% | 3,702 |
| Total domestic deposits to total assets | 88.9710% | 1,683 |
| Equity capital to assets | 9.0932% | 5,007 |
| Core capital (leverage) ratio | 9.3788% | 4,462 |
| Tier 1 risk-based capital ratio | 13.0652% | 4,968 |
| Total risk-based capital ratio | 14.3195% | 4,900 |
| Memoranda: | ||
| Average total assets | $31,914,500 | 6,416 |
| Average earning assets | $28,380,000 | 6,413 |
| Average equity | $2,868,500 | 6,477 |
| Average total loans | $20,812,000 | 6,099 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3612% | 105 |
| Cost of funding earning assets | 0.5048% | 3,560 |
| Net interest margin | 5.8564% | 91 |
| Noninterest income to average assets | 0.7849% | 2,145 |
| Noninterest expense to average assets | 5.2671% | 289 |
| Loan and lease loss provision to assets | 0.1637% | 2,231 |
| Net operating income to assets | 0.5576% | 4,468 |
| Return on assets (ROA) | 0.5576% | 4,593 |
| Pretax return on assets | 0.5576% | 5,021 |
| Return on Equity (ROE) | 6.5008% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.5008% | 1,685 |
| Net charge-offs to loans | -0.0054% | 5,942 |
| Credit loss provision to net charge-offs | -5,400.0000% | 6,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9555% | 1,225 |
| Assets per employee ($millions) | 1.8676% | 6,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7758% | 2,143 |
| Loan loss allowance to noncurrent loans | 110.0917% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 4.5638% | 544 |
| Noncurrent loans to loans | 1.6131% | 2,488 |
| Net loans and leases to total assets | 62.7150% | 3,251 |
| Net loans and leases to deposits | 70.3207% | 3,741 |
| Net loans and leases to core deposits | 71.0838% | 4,178 |
| Total domestic deposits to total assets | 89.1843% | 1,500 |
| Equity capital to assets | 8.8819% | 5,168 |
| Core capital (leverage) ratio | 9.2530% | 4,627 |
| Tier 1 risk-based capital ratio | 13.2758% | 4,804 |
| Total risk-based capital ratio | 14.5298% | 4,741 |
| Memoranda: | ||
| Average total assets | $32,997,200 | 6,461 |
| Average earning assets | $29,318,400 | 6,462 |
| Average equity | $2,830,400 | 6,563 |
| Average total loans | $18,406,800 | 6,273 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3375% | 113 |
| Cost of funding earning assets | 0.5315% | 3,451 |
| Net interest margin | 5.8060% | 99 |
| Noninterest income to average assets | 0.7886% | 2,205 |
| Noninterest expense to average assets | 4.6873% | 447 |
| Loan and lease loss provision to assets | 0.1921% | 1,900 |
| Net operating income to assets | 1.0688% | 2,123 |
| Return on assets (ROA) | 1.0688% | 2,208 |
| Pretax return on assets | 1.0688% | 3,226 |
| Return on Equity (ROE) | 12.5658% | 1,341 |
| Retained earnings to average equity (ytd only) | 12.5658% | 371 |
| Net charge-offs to loans | -0.0074% | 5,835 |
| Credit loss provision to net charge-offs | -4,800.0000% | 6,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8022% | 2,290 |
| Assets per employee ($millions) | 1.7582% | 6,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 2,147 |
| Loan loss allowance to noncurrent loans | 107.9268% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 4.7080% | 618 |
| Noncurrent loans to loans | 1.7120% | 2,627 |
| Net loans and leases to total assets | 59.4192% | 3,794 |
| Net loans and leases to deposits | 66.5805% | 4,230 |
| Net loans and leases to core deposits | 67.3025% | 4,590 |
| Total domestic deposits to total assets | 89.2442% | 1,433 |
| Equity capital to assets | 9.1475% | 4,996 |
| Core capital (leverage) ratio | 9.4924% | 4,419 |
| Tier 1 risk-based capital ratio | 14.0270% | 4,409 |
| Total risk-based capital ratio | 15.2826% | 4,359 |
| Memoranda: | ||
| Average total assets | $33,309,000 | 6,522 |
| Average earning assets | $29,600,750 | 6,528 |
| Average equity | $2,833,000 | 6,637 |
| Average total loans | $17,940,500 | 6,351 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1446% | 142 |
| Cost of funding earning assets | 0.5568% | 3,346 |
| Net interest margin | 5.5878% | 119 |
| Noninterest income to average assets | 0.8032% | 2,173 |
| Noninterest expense to average assets | 4.5655% | 493 |
| Loan and lease loss provision to assets | 0.2126% | 1,780 |
| Net operating income to assets | 1.0041% | 2,314 |
| Return on assets (ROA) | 1.0041% | 2,453 |
| Pretax return on assets | 1.0041% | 3,495 |
| Return on Equity (ROE) | 12.0896% | 1,462 |
| Retained earnings to average equity (ytd only) | 12.0896% | 477 |
| Net charge-offs to loans | -0.0114% | 5,802 |
| Credit loss provision to net charge-offs | -3,600.0000% | 6,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9581% | 2,306 |
| Assets per employee ($millions) | 1.7902% | 6,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8756% | 2,180 |
| Loan loss allowance to noncurrent loans | 65.5172% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 5.2197% | 571 |
| Noncurrent loans to loans | 2.8628% | 1,575 |
| Net loans and leases to total assets | 55.5238% | 4,369 |
| Net loans and leases to deposits | 61.9207% | 4,758 |
| Net loans and leases to core deposits | 63.1312% | 4,984 |
| Total domestic deposits to total assets | 89.6692% | 1,222 |
| Equity capital to assets | 8.7419% | 5,496 |
| Core capital (leverage) ratio | 8.9438% | 5,082 |
| Tier 1 risk-based capital ratio | 13.7468% | 4,606 |
| Total risk-based capital ratio | 14.9995% | 4,577 |
| Memoranda: | ||
| Average total assets | $33,862,670 | 6,558 |
| Average earning assets | $30,172,670 | 6,557 |
| Average equity | $2,812,330 | 6,689 |
| Average total loans | $17,534,330 | 6,403 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0688% | 150 |
| Cost of funding earning assets | 0.5940% | 3,162 |
| Net interest margin | 5.4749% | 126 |
| Noninterest income to average assets | 0.9919% | 1,484 |
| Noninterest expense to average assets | 4.5326% | 519 |
| Loan and lease loss provision to assets | 0.2076% | 1,788 |
| Net operating income to assets | 1.1418% | 1,713 |
| Return on assets (ROA) | 1.1418% | 1,825 |
| Pretax return on assets | 1.1418% | 2,806 |
| Return on Equity (ROE) | 14.0925% | 946 |
| Retained earnings to average equity (ytd only) | 14.0925% | 437 |
| Net charge-offs to loans | -0.0233% | 5,791 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0588% | 2,752 |
| Assets per employee ($millions) | 1.7332% | 6,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8412% | 2,475 |
| Loan loss allowance to noncurrent loans | 73.1377% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 4.9649% | 742 |
| Noncurrent loans to loans | 2.5175% | 2,052 |
| Net loans and leases to total assets | 52.4521% | 4,632 |
| Net loans and leases to deposits | 58.4535% | 4,981 |
| Net loans and leases to core deposits | 60.8268% | 5,066 |
| Total domestic deposits to total assets | 89.7331% | 1,203 |
| Equity capital to assets | 8.6180% | 5,897 |
| Core capital (leverage) ratio | 8.1593% | 5,977 |
| Tier 1 risk-based capital ratio | 13.8107% | 4,645 |
| Total risk-based capital ratio | 15.0667% | 4,602 |
| Memoranda: | ||
| Average total assets | $34,682,000 | 6,599 |
| Average earning assets | $30,978,000 | 6,601 |
| Average equity | $2,810,000 | 6,758 |
| Average total loans | $17,184,500 | 6,477 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4439% | 138 |
| Cost of funding earning assets | 0.7502% | 3,088 |
| Net interest margin | 5.6937% | 131 |
| Noninterest income to average assets | 0.4943% | 3,938 |
| Noninterest expense to average assets | 4.5621% | 545 |
| Loan and lease loss provision to assets | 0.2487% | 2,666 |
| Net operating income to assets | 0.6297% | 4,090 |
| Return on assets (ROA) | 0.6297% | 4,358 |
| Pretax return on assets | 0.6297% | 4,893 |
| Return on Equity (ROE) | 7.5381% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.5381% | 1,318 |
| Net charge-offs to loans | 0.8803% | 1,298 |
| Credit loss provision to net charge-offs | 57.2464% | 4,518 |
| Earnings coverage of net charge-offs (x) | 2.0217% | 4,402 |
| Efficiency ratio | 83.8542% | 1,646 |
| Assets per employee ($millions) | 2.1431% | 6,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 2,531 |
| Loan loss allowance to noncurrent loans | 50.4967% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 5.2398% | 729 |
| Noncurrent loans to loans | 3.6012% | 1,368 |
| Net loans and leases to total assets | 45.1980% | 5,701 |
| Net loans and leases to deposits | 49.7793% | 5,973 |
| Net loans and leases to core deposits | 51.1731% | 6,079 |
| Total domestic deposits to total assets | 90.7968% | 567 |
| Equity capital to assets | 7.6359% | 6,577 |
| Core capital (leverage) ratio | 7.9776% | 6,217 |
| Tier 1 risk-based capital ratio | 13.6777% | 4,622 |
| Total risk-based capital ratio | 14.9316% | 4,568 |
| Memoranda: | ||
| Average total assets | $31,761,800 | 6,712 |
| Average earning assets | $27,592,000 | 6,723 |
| Average equity | $2,653,200 | 6,850 |
| Average total loans | $15,676,000 | 6,617 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5321% | 137 |
| Cost of funding earning assets | 0.7798% | 3,113 |
| Net interest margin | 5.7523% | 130 |
| Noninterest income to average assets | 0.3966% | 4,663 |
| Noninterest expense to average assets | 4.3232% | 646 |
| Loan and lease loss provision to assets | 0.0784% | 4,657 |
| Net operating income to assets | 0.9457% | 2,765 |
| Return on assets (ROA) | 0.9457% | 2,992 |
| Pretax return on assets | 0.9457% | 3,935 |
| Return on Equity (ROE) | 11.0389% | 1,944 |
| Retained earnings to average equity (ytd only) | 11.0389% | 678 |
| Net charge-offs to loans | 1.1859% | 834 |
| Credit loss provision to net charge-offs | 13.1387% | 5,041 |
| Earnings coverage of net charge-offs (x) | 1.7154% | 4,411 |
| Efficiency ratio | 80.8476% | 1,965 |
| Assets per employee ($millions) | 2.4817% | 6,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 3,698 |
| Loan loss allowance to noncurrent loans | 52.2388% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 5.3995% | 796 |
| Noncurrent loans to loans | 2.9825% | 1,877 |
| Net loans and leases to total assets | 47.9821% | 5,548 |
| Net loans and leases to deposits | 53.6550% | 5,828 |
| Net loans and leases to core deposits | 54.2188% | 6,034 |
| Total domestic deposits to total assets | 89.4272% | 1,175 |
| Equity capital to assets | 8.7254% | 6,087 |
| Core capital (leverage) ratio | 8.8232% | 5,305 |
| Tier 1 risk-based capital ratio | 14.7293% | 4,025 |
| Total risk-based capital ratio | 15.9799% | 3,988 |
| Memoranda: | ||
| Average total assets | $30,594,000 | 6,826 |
| Average earning assets | $26,330,750 | 6,840 |
| Average equity | $2,621,000 | 6,946 |
| Average total loans | $15,402,000 | 6,722 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4701% | 155 |
| Cost of funding earning assets | 0.8029% | 3,165 |
| Net interest margin | 5.6672% | 140 |
| Noninterest income to average assets | -0.0333% | 7,041 |
| Noninterest expense to average assets | 4.2546% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5526% | 4,569 |
| Return on assets (ROA) | 0.5526% | 4,850 |
| Pretax return on assets | 0.5526% | 5,301 |
| Return on Equity (ROE) | 6.4937% | 4,050 |
| Retained earnings to average equity (ytd only) | 6.4937% | 2,385 |
| Net charge-offs to loans | 1.8438% | 482 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.5887% | 4,774 |
| Efficiency ratio | 88.5042% | 1,189 |
| Assets per employee ($millions) | 2.1709% | 6,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 4,367 |
| Loan loss allowance to noncurrent loans | 54.5232% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 5.5342% | 806 |
| Noncurrent loans to loans | 2.6117% | 2,300 |
| Net loans and leases to total assets | 50.7913% | 5,253 |
| Net loans and leases to deposits | 56.9127% | 5,559 |
| Net loans and leases to core deposits | 57.4486% | 5,817 |
| Total domestic deposits to total assets | 89.2442% | 1,360 |
| Equity capital to assets | 8.7125% | 6,012 |
| Core capital (leverage) ratio | 8.6280% | 5,477 |
| Tier 1 risk-based capital ratio | 14.1309% | 4,352 |
| Total risk-based capital ratio | 15.3332% | 4,345 |
| Memoranda: | ||
| Average total assets | $30,038,000 | 6,890 |
| Average earning assets | $25,656,330 | 6,910 |
| Average equity | $2,556,330 | 7,001 |
| Average total loans | $15,294,330 | 6,783 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5947% | 144 |
| Cost of funding earning assets | 0.8560% | 3,019 |
| Net interest margin | 5.7386% | 131 |
| Noninterest income to average assets | -0.7903% | 7,272 |
| Noninterest expense to average assets | 4.4340% | 578 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.3751% | 6,752 |
| Return on assets (ROA) | -0.3751% | 6,792 |
| Pretax return on assets | -0.3751% | 6,767 |
| Return on Equity (ROE) | -4.4613% | 6,833 |
| Retained earnings to average equity (ytd only) | -4.4613% | 6,545 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2409% | 349 |
| Assets per employee ($millions) | 2.1220% | 7,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3581% | 1,578 |
| Loan loss allowance to noncurrent loans | 160.3524% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 6.1196% | 756 |
| Noncurrent loans to loans | 1.4706% | 3,915 |
| Net loans and leases to total assets | 50.7338% | 5,197 |
| Net loans and leases to deposits | 56.4558% | 5,553 |
| Net loans and leases to core deposits | 56.9938% | 5,815 |
| Total domestic deposits to total assets | 89.8647% | 1,152 |
| Equity capital to assets | 8.3580% | 6,214 |
| Core capital (leverage) ratio | 8.2626% | 5,939 |
| Tier 1 risk-based capital ratio | 13.4852% | 4,839 |
| Total risk-based capital ratio | 14.7424% | 4,821 |
| Memoranda: | ||
| Average total assets | $29,860,500 | 6,952 |
| Average earning assets | $25,232,500 | 6,974 |
| Average equity | $2,510,500 | 7,061 |
| Average total loans | $15,111,500 | 6,848 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5382% | 174 |
| Cost of funding earning assets | 0.9203% | 3,955 |
| Net interest margin | 5.6179% | 148 |
| Noninterest income to average assets | 0.7292% | 2,447 |
| Noninterest expense to average assets | 4.7852% | 464 |
| Loan and lease loss provision to assets | 0.1979% | 4,208 |
| Net operating income to assets | 0.4098% | 4,816 |
| Return on assets (ROA) | 0.8890% | 2,779 |
| Pretax return on assets | 0.8890% | 3,641 |
| Return on Equity (ROE) | 10.5376% | 1,864 |
| Retained earnings to average equity (ytd only) | 10.5376% | 469 |
| Net charge-offs to loans | -0.0917% | 7,126 |
| Credit loss provision to net charge-offs | -407.1429% | 6,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7315% | 1,292 |
| Assets per employee ($millions) | 2.1438% | 7,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4616% | 1,369 |
| Loan loss allowance to noncurrent loans | 137.3585% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 8.3697% | 457 |
| Noncurrent loans to loans | 1.7921% | 3,480 |
| Net loans and leases to total assets | 48.0558% | 5,818 |
| Net loans and leases to deposits | 53.5355% | 6,113 |
| Net loans and leases to core deposits | 54.0390% | 6,304 |
| Total domestic deposits to total assets | 89.7644% | 1,122 |
| Equity capital to assets | 8.4563% | 6,197 |
| Core capital (leverage) ratio | 8.7587% | 5,158 |
| Tier 1 risk-based capital ratio | 13.5867% | 4,631 |
| Total risk-based capital ratio | 14.8448% | 4,599 |
| Memoranda: | ||
| Average total assets | $28,797,200 | 7,000 |
| Average earning assets | $23,905,800 | 7,044 |
| Average equity | $2,429,400 | 7,135 |
| Average total loans | $15,269,400 | 6,892 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6607% | 155 |
| Cost of funding earning assets | 0.9531% | 4,021 |
| Net interest margin | 5.7075% | 131 |
| Noninterest income to average assets | 1.2868% | 784 |
| Noninterest expense to average assets | 5.1286% | 332 |
| Loan and lease loss provision to assets | 0.2012% | 4,007 |
| Net operating income to assets | 0.6925% | 3,662 |
| Return on assets (ROA) | 0.9780% | 2,565 |
| Pretax return on assets | 0.9780% | 3,482 |
| Return on Equity (ROE) | 11.6000% | 1,647 |
| Retained earnings to average equity (ytd only) | 11.6000% | 541 |
| Net charge-offs to loans | 0.3465% | 3,361 |
| Credit loss provision to net charge-offs | 107.5000% | 3,076 |
| Earnings coverage of net charge-offs (x) | 4.7752% | 2,967 |
| Efficiency ratio | 85.1593% | 1,620 |
| Assets per employee ($millions) | 2.0207% | 7,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9080% | 2,590 |
| Loan loss allowance to noncurrent loans | 38.5919% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 10.0742% | 352 |
| Noncurrent loans to loans | 4.9439% | 1,270 |
| Net loans and leases to total assets | 53.7929% | 5,192 |
| Net loans and leases to deposits | 60.7069% | 5,554 |
| Net loans and leases to core deposits | 61.3209% | 5,875 |
| Total domestic deposits to total assets | 88.6108% | 1,688 |
| Equity capital to assets | 9.3390% | 5,318 |
| Core capital (leverage) ratio | 8.8693% | 5,159 |
| Tier 1 risk-based capital ratio | 13.1075% | 5,019 |
| Total risk-based capital ratio | 14.3594% | 4,995 |
| Memoranda: | ||
| Average total assets | $28,493,250 | 7,082 |
| Average earning assets | $23,640,750 | 7,130 |
| Average equity | $2,402,250 | 7,211 |
| Average total loans | $15,390,000 | 6,951 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5087% | 202 |
| Cost of funding earning assets | 0.9733% | 4,140 |
| Net interest margin | 5.5353% | 170 |
| Noninterest income to average assets | 1.1554% | 964 |
| Noninterest expense to average assets | 5.1749% | 321 |
| Loan and lease loss provision to assets | 0.1961% | 3,970 |
| Net operating income to assets | 0.3641% | 5,110 |
| Return on assets (ROA) | 0.7913% | 3,237 |
| Pretax return on assets | 0.7913% | 4,062 |
| Return on Equity (ROE) | 9.7316% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.7316% | 912 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2320% | 1,225 |
| Assets per employee ($millions) | 1.8915% | 7,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0979% | 2,128 |
| Loan loss allowance to noncurrent loans | 42.5166% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 10.3020% | 368 |
| Noncurrent loans to loans | 4.9343% | 1,329 |
| Net loans and leases to total assets | 52.7967% | 5,464 |
| Net loans and leases to deposits | 58.8883% | 5,833 |
| Net loans and leases to core deposits | 58.8883% | 6,200 |
| Total domestic deposits to total assets | 89.6557% | 1,148 |
| Equity capital to assets | 8.4059% | 6,299 |
| Core capital (leverage) ratio | 8.3365% | 5,814 |
| Tier 1 risk-based capital ratio | 12.7495% | 5,128 |
| Total risk-based capital ratio | 14.0059% | 5,096 |
| Memoranda: | ||
| Average total assets | $28,561,000 | 7,145 |
| Average earning assets | $23,630,000 | 7,197 |
| Average equity | $2,322,330 | 7,284 |
| Average total loans | $15,348,670 | 7,022 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5534% | 196 |
| Cost of funding earning assets | 0.9627% | 4,478 |
| Net interest margin | 5.5906% | 144 |
| Noninterest income to average assets | 1.5076% | 572 |
| Noninterest expense to average assets | 5.1370% | 326 |
| Loan and lease loss provision to assets | 0.1675% | 3,949 |
| Net operating income to assets | 0.8236% | 2,914 |
| Return on assets (ROA) | 0.8236% | 2,973 |
| Pretax return on assets | 0.8236% | 3,815 |
| Return on Equity (ROE) | 10.3012% | 1,994 |
| Retained earnings to average equity (ytd only) | 10.3012% | 1,047 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8269% | 1,974 |
| Assets per employee ($millions) | 2.1181% | 7,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9776% | 2,473 |
| Loan loss allowance to noncurrent loans | 42.0690% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 9.8638% | 423 |
| Noncurrent loans to loans | 4.7008% | 1,475 |
| Net loans and leases to total assets | 50.9813% | 5,714 |
| Net loans and leases to deposits | 56.5096% | 6,083 |
| Net loans and leases to core deposits | 57.5880% | 6,294 |
| Total domestic deposits to total assets | 90.2172% | 1,011 |
| Equity capital to assets | 7.8269% | 6,659 |
| Core capital (leverage) ratio | 8.1197% | 6,096 |
| Tier 1 risk-based capital ratio | 12.3948% | 5,358 |
| Total risk-based capital ratio | 13.6496% | 5,341 |
| Memoranda: | ||
| Average total assets | $28,655,000 | 7,193 |
| Average earning assets | $23,682,500 | 7,241 |
| Average equity | $2,291,000 | 7,342 |
| Average total loans | $15,372,500 | 7,070 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1520% | 629 |
| Cost of funding earning assets | 1.2615% | 4,135 |
| Net interest margin | 4.8904% | 559 |
| Noninterest income to average assets | 0.8163% | 2,194 |
| Noninterest expense to average assets | 5.2931% | 340 |
| Loan and lease loss provision to assets | 0.3755% | 3,870 |
| Net operating income to assets | -0.7510% | 6,551 |
| Return on assets (ROA) | -0.6759% | 6,534 |
| Pretax return on assets | -0.6759% | 6,444 |
| Return on Equity (ROE) | -8.6423% | 6,658 |
| Retained earnings to average equity (ytd only) | -8.6423% | 6,572 |
| Net charge-offs to loans | 0.1960% | 5,123 |
| Credit loss provision to net charge-offs | 348.4848% | 740 |
| Earnings coverage of net charge-offs (x) | -3.4848% | 6,751 |
| Efficiency ratio | 107.6361% | 584 |
| Assets per employee ($millions) | 1.8437% | 7,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9123% | 2,523 |
| Loan loss allowance to noncurrent loans | 27.3576% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 12.8435% | 237 |
| Noncurrent loans to loans | 6.9899% | 808 |
| Net loans and leases to total assets | 54.3426% | 5,590 |
| Net loans and leases to deposits | 60.6546% | 5,985 |
| Net loans and leases to core deposits | 60.6546% | 6,344 |
| Total domestic deposits to total assets | 89.5936% | 1,328 |
| Equity capital to assets | 8.1754% | 6,289 |
| Core capital (leverage) ratio | 8.0579% | 6,101 |
| Tier 1 risk-based capital ratio | 11.9295% | 5,541 |
| Total risk-based capital ratio | 13.1842% | 5,517 |
| Memoranda: | ||
| Average total assets | $30,624,600 | 7,186 |
| Average earning assets | $25,682,800 | 7,239 |
| Average equity | $2,395,200 | 7,423 |
| Average total loans | $16,838,800 | 7,078 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9533% | 1,025 |
| Cost of funding earning assets | 1.3459% | 3,929 |
| Net interest margin | 4.6074% | 1,029 |
| Noninterest income to average assets | 0.7694% | 2,389 |
| Noninterest expense to average assets | 4.3697% | 685 |
| Loan and lease loss provision to assets | 0.4336% | 3,312 |
| Net operating income to assets | -0.1488% | 6,245 |
| Return on assets (ROA) | -0.0510% | 6,215 |
| Pretax return on assets | -0.0510% | 6,168 |
| Return on Equity (ROE) | -0.6588% | 6,247 |
| Retained earnings to average equity (ytd only) | -0.6588% | 5,959 |
| Net charge-offs to loans | 0.0310% | 6,251 |
| Credit loss provision to net charge-offs | 2,550.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 16.7598% | 1,364 |
| Efficiency ratio | 93.8813% | 1,004 |
| Assets per employee ($millions) | 1.8088% | 7,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9673% | 2,303 |
| Loan loss allowance to noncurrent loans | 31.4344% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 12.2633% | 260 |
| Noncurrent loans to loans | 6.2584% | 969 |
| Net loans and leases to total assets | 53.2066% | 5,955 |
| Net loans and leases to deposits | 59.8725% | 6,325 |
| Net loans and leases to core deposits | 59.8725% | 6,616 |
| Total domestic deposits to total assets | 88.8666% | 1,467 |
| Equity capital to assets | 8.9081% | 5,694 |
| Core capital (leverage) ratio | 8.3776% | 5,741 |
| Tier 1 risk-based capital ratio | 12.7601% | 4,766 |
| Total risk-based capital ratio | 14.0120% | 4,742 |
| Memoranda: | ||
| Average total assets | $31,366,750 | 7,245 |
| Average earning assets | $26,449,750 | 7,302 |
| Average equity | $2,428,750 | 7,511 |
| Average total loans | $17,218,000 | 7,159 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9408% | 1,077 |
| Cost of funding earning assets | 1.4322% | 3,658 |
| Net interest margin | 4.5086% | 1,188 |
| Noninterest income to average assets | 0.8702% | 1,801 |
| Noninterest expense to average assets | 4.3200% | 709 |
| Loan and lease loss provision to assets | 0.5594% | 2,534 |
| Net operating income to assets | -0.1740% | 6,323 |
| Return on assets (ROA) | -0.0311% | 6,208 |
| Pretax return on assets | -0.0311% | 6,181 |
| Return on Equity (ROE) | -0.4203% | 6,240 |
| Retained earnings to average equity (ytd only) | -0.4203% | 5,825 |
| Net charge-offs to loans | 0.0677% | 5,467 |
| Credit loss provision to net charge-offs | 1,500.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 1,905 |
| Efficiency ratio | 91.8098% | 1,202 |
| Assets per employee ($millions) | 1.9303% | 7,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8336% | 2,624 |
| Loan loss allowance to noncurrent loans | 25.5411% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 12.0483% | 266 |
| Noncurrent loans to loans | 7.1788% | 771 |
| Net loans and leases to total assets | 51.1397% | 6,291 |
| Net loans and leases to deposits | 56.9810% | 6,657 |
| Net loans and leases to core deposits | 56.9810% | 6,885 |
| Total domestic deposits to total assets | 89.7487% | 1,050 |
| Equity capital to assets | 8.1045% | 6,651 |
| Core capital (leverage) ratio | 8.0528% | 6,195 |
| Tier 1 risk-based capital ratio | 12.6085% | 4,767 |
| Total risk-based capital ratio | 13.8617% | 4,727 |
| Memoranda: | ||
| Average total assets | $32,175,670 | 7,279 |
| Average earning assets | $27,370,000 | 7,321 |
| Average equity | $2,379,000 | 7,581 |
| Average total loans | $17,721,670 | 7,187 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1963% | 648 |
| Cost of funding earning assets | 1.4604% | 3,804 |
| Net interest margin | 4.7358% | 723 |
| Noninterest income to average assets | 0.9872% | 1,341 |
| Noninterest expense to average assets | 4.2655% | 748 |
| Loan and lease loss provision to assets | 0.9384% | 1,343 |
| Net operating income to assets | -0.1462% | 6,477 |
| Return on assets (ROA) | -0.1462% | 6,554 |
| Pretax return on assets | -0.1462% | 6,504 |
| Return on Equity (ROE) | -2.0716% | 6,645 |
| Retained earnings to average equity (ytd only) | -2.0716% | 6,223 |
| Net charge-offs to loans | -0.0647% | 7,423 |
| Credit loss provision to net charge-offs | -2,566.6667% | 6,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3373% | 1,993 |
| Assets per employee ($millions) | 1.9708% | 7,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 3,177 |
| Loan loss allowance to noncurrent loans | 354.8780% | 878 |
| Noncurrent assets plus other real estate owned to assets | 6.0764% | 978 |
| Noncurrent loans to loans | 0.4703% | 6,354 |
| Net loans and leases to total assets | 54.3733% | 5,980 |
| Net loans and leases to deposits | 60.0757% | 6,461 |
| Net loans and leases to core deposits | 60.0757% | 6,742 |
| Total domestic deposits to total assets | 90.5081% | 733 |
| Equity capital to assets | 7.4686% | 7,098 |
| Core capital (leverage) ratio | 7.3411% | 6,990 |
| Tier 1 risk-based capital ratio | 11.8447% | 5,351 |
| Total risk-based capital ratio | 13.0984% | 5,292 |
| Memoranda: | ||
| Average total assets | $32,821,500 | 7,352 |
| Average earning assets | $28,210,500 | 7,384 |
| Average equity | $2,317,000 | 7,684 |
| Average total loans | $18,538,000 | 7,238 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7869% | 2,710 |
| Cost of funding earning assets | 2.1309% | 2,325 |
| Net interest margin | 3.6561% | 4,327 |
| Noninterest income to average assets | 0.6952% | 3,012 |
| Noninterest expense to average assets | 6.0399% | 301 |
| Loan and lease loss provision to assets | 1.1234% | 2,035 |
| Net operating income to assets | -3.2619% | 7,456 |
| Return on assets (ROA) | -3.0839% | 7,425 |
| Pretax return on assets | -3.0839% | 7,319 |
| Return on Equity (ROE) | -66.3119% | 7,789 |
| Retained earnings to average equity (ytd only) | -66.3119% | 7,786 |
| Net charge-offs to loans | 2.6148% | 865 |
| Credit loss provision to net charge-offs | 74.8148% | 6,404 |
| Earnings coverage of net charge-offs (x) | -1.4241% | 6,948 |
| Efficiency ratio | 154.8111% | 285 |
| Assets per employee ($millions) | 2.1319% | 7,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 6,017 |
| Loan loss allowance to noncurrent loans | 78.4387% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 6.4730% | 851 |
| Noncurrent loans to loans | 1.3697% | 4,634 |
| Net loans and leases to total assets | 56.9582% | 5,826 |
| Net loans and leases to deposits | 62.2784% | 6,433 |
| Net loans and leases to core deposits | 83.3612% | 5,783 |
| Total domestic deposits to total assets | 91.4573% | 393 |
| Equity capital to assets | 6.6811% | 7,510 |
| Core capital (leverage) ratio | 6.9585% | 7,272 |
| Tier 1 risk-based capital ratio | 10.6927% | 6,212 |
| Total risk-based capital ratio | 11.6102% | 6,499 |
| Memoranda: | ||
| Average total assets | $35,960,800 | 7,247 |
| Average earning assets | $31,536,600 | 7,287 |
| Average equity | $1,672,400 | 7,898 |
| Average total loans | $20,651,600 | 7,158 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7063% | 3,310 |
| Cost of funding earning assets | 2.2235% | 2,296 |
| Net interest margin | 3.4828% | 4,935 |
| Noninterest income to average assets | 0.8419% | 2,238 |
| Noninterest expense to average assets | 6.2010% | 289 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -2.2915% | 7,406 |
| Return on assets (ROA) | -2.1048% | 7,356 |
| Pretax return on assets | -2.1048% | 7,222 |
| Return on Equity (ROE) | -50.4126% | 7,836 |
| Retained earnings to average equity (ytd only) | -50.4126% | 7,832 |
| Net charge-offs to loans | 0.3125% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -12.7759% | 6,915 |
| Efficiency ratio | 158.6142% | 273 |
| Assets per employee ($millions) | 1.9848% | 7,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4520% | 3,683 |
| Loan loss allowance to noncurrent loans | 79.3103% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 6.7568% | 728 |
| Noncurrent loans to loans | 1.8308% | 3,872 |
| Net loans and leases to total assets | 56.8002% | 6,055 |
| Net loans and leases to deposits | 62.3115% | 6,642 |
| Net loans and leases to core deposits | 88.5075% | 5,595 |
| Total domestic deposits to total assets | 91.1551% | 360 |
| Equity capital to assets | 6.7036% | 7,707 |
| Core capital (leverage) ratio | 6.8365% | 7,526 |
| Tier 1 risk-based capital ratio | 9.6373% | 7,284 |
| Total risk-based capital ratio | 10.8369% | 7,273 |
| Memoranda: | ||
| Average total assets | $36,423,250 | 7,295 |
| Average earning assets | $32,080,750 | 7,322 |
| Average equity | $1,520,750 | 8,009 |
| Average total loans | $20,904,500 | 7,208 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7729% | 3,180 |
| Cost of funding earning assets | 2.2710% | 2,488 |
| Net interest margin | 3.5019% | 4,792 |
| Noninterest income to average assets | 0.9221% | 1,885 |
| Noninterest expense to average assets | 6.4711% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -2.4444% | 7,543 |
| Return on assets (ROA) | -2.1661% | 7,465 |
| Pretax return on assets | -2.1661% | 7,334 |
| Return on Equity (ROE) | -64.5880% | 8,001 |
| Retained earnings to average equity (ytd only) | -64.5880% | 7,996 |
| Net charge-offs to loans | 0.4570% | 3,001 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -9.3333% | 6,519 |
| Efficiency ratio | 160.7046% | 323 |
| Assets per employee ($millions) | 1.8342% | 7,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 3,120 |
| Loan loss allowance to noncurrent loans | 77.5194% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 6.9527% | 614 |
| Noncurrent loans to loans | 1.9514% | 3,590 |
| Net loans and leases to total assets | 56.0459% | 6,201 |
| Net loans and leases to deposits | 58.7464% | 6,977 |
| Net loans and leases to core deposits | 84.5358% | 6,046 |
| Total domestic deposits to total assets | 95.4032% | 28 |
| Equity capital to assets | 2.7317% | 8,124 |
| Core capital (leverage) ratio | 3.1121% | 8,123 |
| Tier 1 risk-based capital ratio | 4.3787% | 8,118 |
| Total risk-based capital ratio | 5.6018% | 8,120 |
| Memoranda: | ||
| Average total assets | $36,655,330 | 7,358 |
| Average earning assets | $32,496,670 | 7,379 |
| Average equity | $1,229,330 | 8,129 |
| Average total loans | $21,008,670 | 7,267 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8266% | 3,163 |
| Cost of funding earning assets | 2.3638% | 2,448 |
| Net interest margin | 3.4629% | 4,886 |
| Noninterest income to average assets | 0.8307% | 2,173 |
| Noninterest expense to average assets | 7.0398% | 204 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -3.0886% | 7,856 |
| Return on assets (ROA) | -3.0886% | 7,858 |
| Pretax return on assets | -3.0886% | 7,774 |
| Return on Equity (ROE) | -84.7953% | 8,130 |
| Retained earnings to average equity (ytd only) | -84.7953% | 8,121 |
| Net charge-offs to loans | -0.0556% | 7,727 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 178.1671% | 247 |
| Assets per employee ($millions) | 1.5661% | 8,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 2,223 |
| Loan loss allowance to noncurrent loans | 28.9017% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 5.7759% | 712 |
| Noncurrent loans to loans | 5.7956% | 847 |
| Net loans and leases to total assets | 54.6599% | 6,394 |
| Net loans and leases to deposits | 57.4444% | 7,070 |
| Net loans and leases to core deposits | 80.4456% | 6,350 |
| Total domestic deposits to total assets | 95.1526% | 22 |
| Equity capital to assets | 3.2059% | 8,198 |
| Core capital (leverage) ratio | 3.1109% | 8,204 |
| Tier 1 risk-based capital ratio | 4.8141% | 8,181 |
| Total risk-based capital ratio | 6.0644% | 8,174 |
| Memoranda: | ||
| Average total assets | $37,558,000 | 7,350 |
| Average earning assets | $33,844,500 | 7,361 |
| Average equity | $1,368,000 | 8,172 |
| Average total loans | $21,597,000 | 7,269 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4772% | 3,078 |
| Cost of funding earning assets | 3.2985% | 936 |
| Net interest margin | 3.1787% | 6,434 |
| Noninterest income to average assets | 1.2467% | 954 |
| Noninterest expense to average assets | 5.4466% | 512 |
| Loan and lease loss provision to assets | 2.3287% | 472 |
| Net operating income to assets | -3.7530% | 7,949 |
| Return on assets (ROA) | -3.6250% | 7,910 |
| Pretax return on assets | -3.6250% | 7,828 |
| Return on Equity (ROE) | -57.9220% | 8,192 |
| Retained earnings to average equity (ytd only) | -57.9220% | 8,177 |
| Net charge-offs to loans | 3.7764% | 196 |
| Credit loss provision to net charge-offs | 98.6711% | 5,425 |
| Earnings coverage of net charge-offs (x) | -0.6035% | 6,514 |
| Efficiency ratio | 135.4126% | 430 |
| Assets per employee ($millions) | 1.4434% | 8,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 2,422 |
| Loan loss allowance to noncurrent loans | 16.6987% | 7,347 |
| Noncurrent assets plus other real estate owned to assets | 5.6836% | 550 |
| Noncurrent loans to loans | 9.3188% | 240 |
| Net loans and leases to total assets | 58.4934% | 6,128 |
| Net loans and leases to deposits | 61.9973% | 6,946 |
| Net loans and leases to core deposits | 84.5381% | 6,251 |
| Total domestic deposits to total assets | 94.3484% | 24 |
| Equity capital to assets | 4.0795% | 8,247 |
| Core capital (leverage) ratio | 3.9388% | 8,259 |
| Tier 1 risk-based capital ratio | 5.7727% | 8,240 |
| Total risk-based capital ratio | 7.0247% | 8,243 |
| Memoranda: | ||
| Average total assets | $38,262,400 | 7,294 |
| Average earning assets | $33,409,600 | 7,353 |
| Average equity | $2,394,600 | 8,024 |
| Average total loans | $23,911,600 | 7,078 |