Home > Vermont State Bank > Performance and Condition Ratios
Vermont State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7406% | 2,593 |
| Cost of funding earning assets | 1.3501% | 2,360 |
| Net interest margin | 3.3904% | 2,422 |
| Noninterest income to average assets | 8.0400% | 96 |
| Noninterest expense to average assets | 12.7096% | 96 |
| Loan and lease loss provision to assets | 0.3600% | 272 |
| Net operating income to assets | -1.9234% | 4,569 |
| Return on assets (ROA) | -1.9234% | 4,564 |
| Pretax return on assets | -1.9234% | 4,555 |
| Return on Equity (ROE) | -10.7500% | 4,508 |
| Retained earnings to average equity (ytd only) | -10.7548% | 4,472 |
| Net charge-offs to loans | 0.4812% | 214 |
| Credit loss provision to net charge-offs | 116.6667% | 1,703 |
| Earnings coverage of net charge-offs (x) | -5.0769% | 4,542 |
| Efficiency ratio | 114.0326% | 93 |
| Assets per employee ($millions) | 1.6964% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1083% | 57 |
| Loan loss allowance to noncurrent loans | 51.6872% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 4.8888% | 25 |
| Noncurrent loans to loans | 7.9484% | 18 |
| Net loans and leases to total assets | 57.6000% | 3,072 |
| Net loans and leases to deposits | 81.2393% | 2,009 |
| Net loans and leases to core deposits | 85.7644% | 2,321 |
| Total domestic deposits to total assets | 70.9100% | 4,261 |
| Equity capital to assets | 22.5772% | 225 |
| Core capital (leverage) ratio | 22.7009% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.0378% | 140 |
| Memoranda: | ||
| Average total assets | $25,319,400 | 4,497 |
| Average earning assets | $23,182,800 | 4,461 |
| Average equity | $4,528,200 | 4,302 |
| Average total loans | $16,208,200 | 4,335 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6520% | 2,567 |
| Cost of funding earning assets | 1.3053% | 2,133 |
| Net interest margin | 3.3467% | 2,579 |
| Noninterest income to average assets | 5.8600% | 116 |
| Noninterest expense to average assets | 10.1760% | 111 |
| Loan and lease loss provision to assets | 1.0100% | 63 |
| Net operating income to assets | -2.2566% | 4,604 |
| Return on assets (ROA) | -2.2566% | 4,602 |
| Pretax return on assets | -2.2566% | 4,598 |
| Return on Equity (ROE) | -13.5100% | 4,554 |
| Retained earnings to average equity (ytd only) | -13.5098% | 4,525 |
| Net charge-offs to loans | 1.5978% | 50 |
| Credit loss provision to net charge-offs | 96.9543% | 1,648 |
| Earnings coverage of net charge-offs (x) | -1.2030% | 4,568 |
| Efficiency ratio | 113.9988% | 91 |
| Assets per employee ($millions) | 1.8098% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9219% | 57 |
| Loan loss allowance to noncurrent loans | 56.3889% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 4.6256% | 31 |
| Noncurrent loans to loans | 6.9552% | 25 |
| Net loans and leases to total assets | 58.8800% | 2,952 |
| Net loans and leases to deposits | 82.8603% | 1,837 |
| Net loans and leases to core deposits | 87.4809% | 2,092 |
| Total domestic deposits to total assets | 71.0600% | 4,290 |
| Equity capital to assets | 22.5717% | 224 |
| Core capital (leverage) ratio | 23.8401% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.4477% | 149 |
| Memoranda: | ||
| Average total assets | $25,287,750 | 4,526 |
| Average earning assets | $23,186,500 | 4,488 |
| Average equity | $4,224,000 | 4,344 |
| Average total loans | $16,438,750 | 4,356 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5244% | 2,588 |
| Cost of funding earning assets | 1.2151% | 1,942 |
| Net interest margin | 3.3093% | 2,724 |
| Noninterest income to average assets | 4.9800% | 121 |
| Noninterest expense to average assets | 9.2199% | 114 |
| Loan and lease loss provision to assets | 1.2700% | 47 |
| Net operating income to assets | -2.4771% | 4,630 |
| Return on assets (ROA) | -2.4771% | 4,630 |
| Pretax return on assets | -2.4771% | 4,629 |
| Return on Equity (ROE) | -16.8000% | 4,603 |
| Retained earnings to average equity (ytd only) | -16.8024% | 4,567 |
| Net charge-offs to loans | 2.3533% | 34 |
| Credit loss provision to net charge-offs | 81.7259% | 1,546 |
| Earnings coverage of net charge-offs (x) | -0.7716% | 4,611 |
| Efficiency ratio | 115.0049% | 80 |
| Assets per employee ($millions) | 1.9256% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5589% | 86 |
| Loan loss allowance to noncurrent loans | 45.3052% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 5.3649% | 27 |
| Noncurrent loans to loans | 7.8554% | 19 |
| Net loans and leases to total assets | 62.6800% | 2,513 |
| Net loans and leases to deposits | 81.9364% | 1,832 |
| Net loans and leases to core deposits | 87.3949% | 1,976 |
| Total domestic deposits to total assets | 76.5000% | 4,002 |
| Equity capital to assets | 17.1054% | 384 |
| Core capital (leverage) ratio | 17.8072% | 353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.6080% | 196 |
| Memoranda: | ||
| Average total assets | $25,271,333 | 4,551 |
| Average earning assets | $23,207,333 | 4,515 |
| Average equity | $3,725,667 | 4,416 |
| Average total loans | $16,742,333 | 4,376 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3437% | 2,696 |
| Cost of funding earning assets | 1.1287% | 1,670 |
| Net interest margin | 3.2150% | 3,079 |
| Noninterest income to average assets | 3.3900% | 162 |
| Noninterest expense to average assets | 6.8214% | 153 |
| Loan and lease loss provision to assets | 1.1200% | 62 |
| Net operating income to assets | -1.5911% | 4,638 |
| Return on assets (ROA) | -1.5911% | 4,633 |
| Pretax return on assets | -1.5911% | 4,629 |
| Return on Equity (ROE) | -11.7200% | 4,605 |
| Retained earnings to average equity (ytd only) | -11.7186% | 4,505 |
| Net charge-offs to loans | 0.9895% | 82 |
| Credit loss provision to net charge-offs | 169.0476% | 901 |
| Earnings coverage of net charge-offs (x) | -0.7143% | 4,643 |
| Efficiency ratio | 107.4442% | 114 |
| Assets per employee ($millions) | 2.2038% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7767% | 75 |
| Loan loss allowance to noncurrent loans | 58.6521% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 4.5293% | 20 |
| Noncurrent loans to loans | 6.4391% | 37 |
| Net loans and leases to total assets | 67.6800% | 1,873 |
| Net loans and leases to deposits | 82.7475% | 1,593 |
| Net loans and leases to core deposits | 104.9172% | 880 |
| Total domestic deposits to total assets | 81.8000% | 3,511 |
| Equity capital to assets | 13.7324% | 631 |
| Core capital (leverage) ratio | 14.0129% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7950% | 363 |
| Memoranda: | ||
| Average total assets | $25,390,500 | 4,607 |
| Average earning assets | $23,390,000 | 4,576 |
| Average equity | $3,447,500 | 4,502 |
| Average total loans | $16,979,000 | 4,435 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 1,040 |
| Cost of funding earning assets | 0.9462% | 209 |
| Net interest margin | 3.3577% | 2,393 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 4.2270% | 290 |
| Loan and lease loss provision to assets | 0.8500% | 52 |
| Net operating income to assets | -0.7544% | 4,653 |
| Return on assets (ROA) | -0.7544% | 4,648 |
| Pretax return on assets | -1.0244% | 4,646 |
| Return on Equity (ROE) | -5.7900% | 4,635 |
| Retained earnings to average equity (ytd only) | -5.7912% | 4,592 |
| Net charge-offs to loans | 0.8163% | 82 |
| Credit loss provision to net charge-offs | 153.3333% | 1,285 |
| Earnings coverage of net charge-offs (x) | -0.3133% | 4,675 |
| Efficiency ratio | 104.2883% | 119 |
| Assets per employee ($millions) | 2.4126% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 631 |
| Loan loss allowance to noncurrent loans | 26.2575% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 4.4199% | 23 |
| Noncurrent loans to loans | 6.9384% | 33 |
| Net loans and leases to total assets | 62.5400% | 2,376 |
| Net loans and leases to deposits | 81.4306% | 1,661 |
| Net loans and leases to core deposits | 107.6604% | 685 |
| Total domestic deposits to total assets | 76.8000% | 4,194 |
| Equity capital to assets | 13.4368% | 640 |
| Core capital (leverage) ratio | 13.4213% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4786% | 320 |
| Memoranda: | ||
| Average total assets | $27,040,400 | 4,626 |
| Average earning assets | $25,046,600 | 4,597 |
| Average equity | $3,522,600 | 4,565 |
| Average total loans | $18,374,800 | 4,435 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3358% | 676 |
| Cost of funding earning assets | 0.9488% | 80 |
| Net interest margin | 3.3870% | 2,018 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 4.1276% | 303 |
| Loan and lease loss provision to assets | 0.9800% | 45 |
| Net operating income to assets | -0.9227% | 4,704 |
| Return on assets (ROA) | -0.9227% | 4,694 |
| Pretax return on assets | -1.2810% | 4,699 |
| Return on Equity (ROE) | -7.1400% | 4,679 |
| Retained earnings to average equity (ytd only) | -7.1378% | 4,641 |
| Net charge-offs to loans | 1.1027% | 44 |
| Credit loss provision to net charge-offs | 129.0323% | 1,184 |
| Earnings coverage of net charge-offs (x) | -0.3935% | 4,714 |
| Efficiency ratio | 107.8205% | 104 |
| Assets per employee ($millions) | 2.6658% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,147 |
| Loan loss allowance to noncurrent loans | 20.7447% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 4.9366% | 16 |
| Noncurrent loans to loans | 7.5243% | 26 |
| Net loans and leases to total assets | 64.5800% | 2,028 |
| Net loans and leases to deposits | 74.7266% | 1,981 |
| Net loans and leases to core deposits | 85.1947% | 1,571 |
| Total domestic deposits to total assets | 86.4300% | 2,952 |
| Equity capital to assets | 13.3581% | 633 |
| Core capital (leverage) ratio | 13.6850% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6988% | 397 |
| Memoranda: | ||
| Average total assets | $27,165,750 | 4,661 |
| Average earning assets | $25,154,250 | 4,636 |
| Average equity | $3,511,750 | 4,612 |
| Average total loans | $18,742,000 | 4,464 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2373% | 583 |
| Cost of funding earning assets | 1.0138% | 33 |
| Net interest margin | 3.2235% | 2,119 |
| Noninterest income to average assets | 0.5195% | 2,088 |
| Noninterest expense to average assets | 4.2144% | 247 |
| Loan and lease loss provision to assets | 1.2438% | 35 |
| Net operating income to assets | -1.4121% | 4,726 |
| Return on assets (ROA) | -1.4121% | 4,721 |
| Pretax return on assets | -1.9609% | 4,725 |
| Return on Equity (ROE) | -11.0433% | 4,729 |
| Retained earnings to average equity (ytd only) | -11.0433% | 4,678 |
| Net charge-offs to loans | 1.1483% | 53 |
| Credit loss provision to net charge-offs | 154.5455% | 1,079 |
| Earnings coverage of net charge-offs (x) | -0.8909% | 2,111 |
| Efficiency ratio | 120.5021% | 77 |
| Assets per employee ($millions) | 2.9886% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 1,348 |
| Loan loss allowance to noncurrent loans | 27.5598% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 4.4689% | 24 |
| Noncurrent loans to loans | 5.5227% | 48 |
| Net loans and leases to total assets | 69.2791% | 1,371 |
| Net loans and leases to deposits | 80.4021% | 1,354 |
| Net loans and leases to core deposits | 93.8977% | 921 |
| Total domestic deposits to total assets | 86.1657% | 3,208 |
| Equity capital to assets | 13.5331% | 578 |
| Core capital (leverage) ratio | 12.8541% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5753% | 499 |
| Memoranda: | ||
| Average total assets | $27,335,000 | 4,696 |
| Average earning assets | $25,251,667 | 4,681 |
| Average equity | $3,495,333 | 4,655 |
| Average total loans | $19,159,333 | 4,519 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 321 |
| Cost of funding earning assets | 1.0535% | 27 |
| Net interest margin | 3.4278% | 1,239 |
| Noninterest income to average assets | 0.4065% | 2,643 |
| Noninterest expense to average assets | 4.0502% | 270 |
| Loan and lease loss provision to assets | 1.8872% | 19 |
| Net operating income to assets | -2.3663% | 4,765 |
| Return on assets (ROA) | -1.7711% | 4,758 |
| Pretax return on assets | -1.7711% | 4,754 |
| Return on Equity (ROE) | -14.2565% | 4,762 |
| Retained earnings to average equity (ytd only) | -14.2565% | 4,635 |
| Net charge-offs to loans | 2.0542% | 34 |
| Credit loss provision to net charge-offs | 131.3131% | 899 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 1,789 |
| Efficiency ratio | 113.4146% | 110 |
| Assets per employee ($millions) | 2.7829% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 2,095 |
| Loan loss allowance to noncurrent loans | 30.3279% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 3.6329% | 44 |
| Noncurrent loans to loans | 4.4684% | 76 |
| Net loans and leases to total assets | 67.7459% | 1,238 |
| Net loans and leases to deposits | 77.6515% | 1,312 |
| Net loans and leases to core deposits | 93.3271% | 760 |
| Total domestic deposits to total assets | 87.2435% | 2,835 |
| Equity capital to assets | 12.3253% | 853 |
| Core capital (leverage) ratio | 11.5665% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4575% | 601 |
| Memoranda: | ||
| Average total assets | $27,554,000 | 4,719 |
| Average earning assets | $25,439,000 | 4,702 |
| Average equity | $3,423,000 | 4,694 |
| Average total loans | $19,278,000 | 4,535 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 346 |
| Cost of funding earning assets | 1.5563% | 8 |
| Net interest margin | 3.2735% | 2,393 |
| Noninterest income to average assets | 0.1309% | 4,492 |
| Noninterest expense to average assets | 3.4004% | 546 |
| Loan and lease loss provision to assets | 1.0335% | 30 |
| Net operating income to assets | -0.9509% | 4,785 |
| Return on assets (ROA) | -0.9509% | 4,787 |
| Pretax return on assets | -1.2885% | 4,796 |
| Return on Equity (ROE) | -7.7181% | 4,793 |
| Retained earnings to average equity (ytd only) | -7.7181% | 4,742 |
| Net charge-offs to loans | 2.8548% | 15 |
| Credit loss provision to net charge-offs | 50.0835% | 2,133 |
| Earnings coverage of net charge-offs (x) | -0.1235% | 2,651 |
| Efficiency ratio | 108.1051% | 104 |
| Assets per employee ($millions) | 3.0310% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 3,010 |
| Loan loss allowance to noncurrent loans | 24.8637% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 5.1468% | 25 |
| Noncurrent loans to loans | 4.7161% | 82 |
| Net loans and leases to total assets | 70.4425% | 991 |
| Net loans and leases to deposits | 80.9027% | 1,140 |
| Net loans and leases to core deposits | 96.4126% | 672 |
| Total domestic deposits to total assets | 87.0706% | 2,491 |
| Equity capital to assets | 12.5225% | 1,052 |
| Core capital (leverage) ratio | 10.8706% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3394% | 1,187 |
| Memoranda: | ||
| Average total assets | $29,026,200 | 4,750 |
| Average earning assets | $26,730,200 | 4,735 |
| Average equity | $3,576,000 | 4,735 |
| Average total loans | $20,982,400 | 4,553 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7942% | 414 |
| Cost of funding earning assets | 1.5719% | 10 |
| Net interest margin | 3.2223% | 2,665 |
| Noninterest income to average assets | 0.0860% | 4,718 |
| Noninterest expense to average assets | 3.2990% | 601 |
| Loan and lease loss provision to assets | 1.2660% | 20 |
| Net operating income to assets | -1.1404% | 4,868 |
| Return on assets (ROA) | -1.1404% | 4,871 |
| Pretax return on assets | -1.5115% | 4,877 |
| Return on Equity (ROE) | -9.2918% | 4,878 |
| Retained earnings to average equity (ytd only) | -9.2918% | 4,839 |
| Net charge-offs to loans | 3.3634% | 8 |
| Credit loss provision to net charge-offs | 51.9481% | 1,847 |
| Earnings coverage of net charge-offs (x) | -0.1002% | 2,410 |
| Efficiency ratio | 108.0000% | 112 |
| Assets per employee ($millions) | 3.1136% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 2,357 |
| Loan loss allowance to noncurrent loans | 19.9553% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 5.4707% | 20 |
| Noncurrent loans to loans | 6.6531% | 45 |
| Net loans and leases to total assets | 71.0799% | 979 |
| Net loans and leases to deposits | 81.5109% | 1,154 |
| Net loans and leases to core deposits | 102.2275% | 517 |
| Total domestic deposits to total assets | 87.2029% | 2,267 |
| Equity capital to assets | 12.4045% | 1,220 |
| Core capital (leverage) ratio | 10.9065% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8599% | 1,161 |
| Memoranda: | ||
| Average total assets | $29,463,000 | 4,818 |
| Average earning assets | $27,143,500 | 4,803 |
| Average equity | $3,616,000 | 4,802 |
| Average total loans | $21,367,000 | 4,605 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9340% | 381 |
| Cost of funding earning assets | 1.5916% | 10 |
| Net interest margin | 3.3424% | 2,320 |
| Noninterest income to average assets | 0.0802% | 4,759 |
| Noninterest expense to average assets | 3.1994% | 721 |
| Loan and lease loss provision to assets | 1.7032% | 11 |
| Net operating income to assets | -1.3025% | 4,909 |
| Return on assets (ROA) | -1.3025% | 4,909 |
| Pretax return on assets | -1.7366% | 4,915 |
| Return on Equity (ROE) | -10.6480% | 4,917 |
| Retained earnings to average equity (ytd only) | -10.6480% | 4,876 |
| Net charge-offs to loans | 4.4852% | 8 |
| Credit loss provision to net charge-offs | 52.2541% | 1,596 |
| Earnings coverage of net charge-offs (x) | -0.0102% | 2,200 |
| Efficiency ratio | 101.0549% | 157 |
| Assets per employee ($millions) | 3.2986% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,909 |
| Loan loss allowance to noncurrent loans | 20.1232% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 5.5816% | 26 |
| Noncurrent loans to loans | 7.0294% | 40 |
| Net loans and leases to total assets | 69.0201% | 1,322 |
| Net loans and leases to deposits | 78.6987% | 1,557 |
| Net loans and leases to core deposits | 99.6498% | 670 |
| Total domestic deposits to total assets | 87.7017% | 1,982 |
| Equity capital to assets | 11.8907% | 1,421 |
| Core capital (leverage) ratio | 10.7033% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4902% | 1,229 |
| Memoranda: | ||
| Average total assets | $29,943,333 | 4,848 |
| Average earning assets | $27,645,000 | 4,832 |
| Average equity | $3,662,667 | 4,831 |
| Average total loans | $21,760,667 | 4,635 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 599 |
| Cost of funding earning assets | 1.6621% | 11 |
| Net interest margin | 2.9975% | 3,260 |
| Noninterest income to average assets | 0.0798% | 4,763 |
| Noninterest expense to average assets | 3.1658% | 752 |
| Loan and lease loss provision to assets | 0.1330% | 1,024 |
| Net operating income to assets | -0.3857% | 4,872 |
| Return on assets (ROA) | -0.3857% | 4,876 |
| Pretax return on assets | -0.4124% | 4,879 |
| Return on Equity (ROE) | -3.1108% | 4,878 |
| Retained earnings to average equity (ytd only) | -3.1108% | 4,608 |
| Net charge-offs to loans | 1.0787% | 69 |
| Credit loss provision to net charge-offs | 16.6667% | 1,433 |
| Earnings coverage of net charge-offs (x) | -0.3500% | 1,898 |
| Efficiency ratio | 109.6774% | 113 |
| Assets per employee ($millions) | 3.3572% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1890% | 427 |
| Loan loss allowance to noncurrent loans | 20.0504% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 8.4461% | 9 |
| Noncurrent loans to loans | 10.9174% | 21 |
| Net loans and leases to total assets | 70.5411% | 1,220 |
| Net loans and leases to deposits | 80.7257% | 1,450 |
| Net loans and leases to core deposits | 100.6089% | 688 |
| Total domestic deposits to total assets | 87.3837% | 2,144 |
| Equity capital to assets | 12.1959% | 1,204 |
| Core capital (leverage) ratio | 11.2942% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8901% | 1,091 |
| Memoranda: | ||
| Average total assets | $30,071,500 | 4,874 |
| Average earning assets | $28,157,000 | 4,855 |
| Average equity | $3,729,000 | 4,848 |
| Average total loans | $22,249,000 | 4,649 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9645% | 524 |
| Cost of funding earning assets | 1.7424% | 28 |
| Net interest margin | 3.2222% | 3,299 |
| Noninterest income to average assets | 0.1015% | 4,741 |
| Noninterest expense to average assets | 3.0914% | 1,251 |
| Loan and lease loss provision to assets | 1.8603% | 34 |
| Net operating income to assets | -0.8456% | 4,917 |
| Return on assets (ROA) | -0.8456% | 4,920 |
| Pretax return on assets | -1.7791% | 4,958 |
| Return on Equity (ROE) | -6.5769% | 4,915 |
| Retained earnings to average equity (ytd only) | -6.5769% | 4,866 |
| Net charge-offs to loans | 2.2038% | 40 |
| Credit loss provision to net charge-offs | 105.7692% | 2,763 |
| Earnings coverage of net charge-offs (x) | 0.0462% | 3,338 |
| Efficiency ratio | 97.4414% | 212 |
| Assets per employee ($millions) | 4.2754% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3209% | 340 |
| Loan loss allowance to noncurrent loans | 24.1854% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 8.0460% | 11 |
| Noncurrent loans to loans | 9.5962% | 24 |
| Net loans and leases to total assets | 74.1112% | 1,012 |
| Net loans and leases to deposits | 85.2552% | 1,315 |
| Net loans and leases to core deposits | 107.8899% | 573 |
| Total domestic deposits to total assets | 86.9286% | 1,973 |
| Equity capital to assets | 12.6069% | 1,268 |
| Core capital (leverage) ratio | 11.6267% | 1,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0976% | 1,039 |
| Memoranda: | ||
| Average total assets | $29,565,600 | 4,878 |
| Average earning assets | $28,179,800 | 4,859 |
| Average equity | $3,801,200 | 4,855 |
| Average total loans | $23,596,000 | 4,651 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9933% | 614 |
| Cost of funding earning assets | 1.7688% | 36 |
| Net interest margin | 3.2246% | 3,414 |
| Noninterest income to average assets | 0.0905% | 4,787 |
| Noninterest expense to average assets | 3.2660% | 957 |
| Loan and lease loss provision to assets | 1.4690% | 62 |
| Net operating income to assets | -0.5790% | 4,910 |
| Return on assets (ROA) | -0.5790% | 4,912 |
| Pretax return on assets | -1.5697% | 4,970 |
| Return on Equity (ROE) | -4.4814% | 4,908 |
| Retained earnings to average equity (ytd only) | -4.4814% | 4,830 |
| Net charge-offs to loans | 2.1384% | 46 |
| Credit loss provision to net charge-offs | 85.0785% | 2,728 |
| Earnings coverage of net charge-offs (x) | -0.0576% | 3,144 |
| Efficiency ratio | 103.1429% | 143 |
| Assets per employee ($millions) | 4.2196% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 598 |
| Loan loss allowance to noncurrent loans | 18.8841% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 9.4289% | 15 |
| Noncurrent loans to loans | 10.0219% | 26 |
| Net loans and leases to total assets | 77.2218% | 932 |
| Net loans and leases to deposits | 89.4611% | 1,328 |
| Net loans and leases to core deposits | 113.7549% | 567 |
| Total domestic deposits to total assets | 86.3189% | 1,932 |
| Equity capital to assets | 13.2478% | 1,081 |
| Core capital (leverage) ratio | 12.5417% | 1,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9623% | 920 |
| Memoranda: | ||
| Average total assets | $29,475,000 | 4,908 |
| Average earning assets | $28,116,750 | 4,890 |
| Average equity | $3,808,250 | 4,880 |
| Average total loans | $23,818,250 | 4,673 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 1,199 |
| Cost of funding earning assets | 1.7903% | 49 |
| Net interest margin | 2.9980% | 4,127 |
| Noninterest income to average assets | 0.1019% | 4,775 |
| Noninterest expense to average assets | 3.2321% | 1,104 |
| Loan and lease loss provision to assets | 2.2068% | 48 |
| Net operating income to assets | -0.9846% | 4,962 |
| Return on assets (ROA) | -0.9846% | 4,958 |
| Pretax return on assets | -2.4716% | 5,021 |
| Return on Equity (ROE) | -7.6855% | 4,963 |
| Retained earnings to average equity (ytd only) | -7.6855% | 4,867 |
| Net charge-offs to loans | 3.1073% | 35 |
| Credit loss provision to net charge-offs | 87.1314% | 2,476 |
| Earnings coverage of net charge-offs (x) | -0.1046% | 2,939 |
| Efficiency ratio | 108.9245% | 119 |
| Assets per employee ($millions) | 4.2110% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9091% | 524 |
| Loan loss allowance to noncurrent loans | 17.5596% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 9.9908% | 12 |
| Noncurrent loans to loans | 10.8721% | 25 |
| Net loans and leases to total assets | 78.2644% | 820 |
| Net loans and leases to deposits | 90.5807% | 1,298 |
| Net loans and leases to core deposits | 113.7462% | 606 |
| Total domestic deposits to total assets | 86.4030% | 1,842 |
| Equity capital to assets | 13.1866% | 1,082 |
| Core capital (leverage) ratio | 12.2260% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3182% | 1,002 |
| Memoranda: | ||
| Average total assets | $29,454,333 | 4,936 |
| Average earning assets | $28,152,000 | 4,918 |
| Average equity | $3,773,333 | 4,914 |
| Average total loans | $24,008,000 | 4,687 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 1,719 |
| Cost of funding earning assets | 1.8162% | 79 |
| Net interest margin | 2.8805% | 4,461 |
| Noninterest income to average assets | 0.1494% | 4,621 |
| Noninterest expense to average assets | 3.0693% | 1,718 |
| Loan and lease loss provision to assets | 1.0865% | 189 |
| Net operating income to assets | 0.3259% | 4,294 |
| Return on assets (ROA) | 0.3259% | 4,320 |
| Pretax return on assets | -1.2494% | 4,975 |
| Return on Equity (ROE) | 2.5761% | 4,322 |
| Retained earnings to average equity (ytd only) | 2.5761% | 3,240 |
| Net charge-offs to loans | 0.8082% | 185 |
| Credit loss provision to net charge-offs | 163.2653% | 1,542 |
| Earnings coverage of net charge-offs (x) | -0.2449% | 2,489 |
| Efficiency ratio | 105.6075% | 178 |
| Assets per employee ($millions) | 4.2207% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1984% | 378 |
| Loan loss allowance to noncurrent loans | 32.5524% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 6.6509% | 38 |
| Noncurrent loans to loans | 6.7533% | 63 |
| Net loans and leases to total assets | 79.5058% | 760 |
| Net loans and leases to deposits | 91.5789% | 1,337 |
| Net loans and leases to core deposits | 114.7253% | 635 |
| Total domestic deposits to total assets | 86.8167% | 1,643 |
| Equity capital to assets | 12.6620% | 1,638 |
| Core capital (leverage) ratio | 12.0008% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9426% | 1,154 |
| Memoranda: | ||
| Average total assets | $29,453,000 | 4,976 |
| Average earning assets | $28,190,000 | 4,957 |
| Average equity | $3,726,500 | 4,962 |
| Average total loans | $24,252,500 | 4,718 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2954% | 824 |
| Cost of funding earning assets | 1.7783% | 150 |
| Net interest margin | 3.5171% | 3,399 |
| Noninterest income to average assets | 0.1558% | 4,711 |
| Noninterest expense to average assets | 3.0157% | 1,977 |
| Loan and lease loss provision to assets | 2.2852% | 34 |
| Net operating income to assets | -1.2291% | 5,106 |
| Return on assets (ROA) | -1.2291% | 5,110 |
| Pretax return on assets | -1.7416% | 5,123 |
| Return on Equity (ROE) | -11.6876% | 5,132 |
| Retained earnings to average equity (ytd only) | -13.1033% | 5,102 |
| Net charge-offs to loans | 2.0799% | 55 |
| Credit loss provision to net charge-offs | 130.9524% | 1,948 |
| Earnings coverage of net charge-offs (x) | 0.3115% | 3,621 |
| Efficiency ratio | 84.7276% | 619 |
| Assets per employee ($millions) | 4.1944% | 3,641 |
| Cash dividends to net income (ytd only)* | -12.1127% | 5,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0296% | 440 |
| Loan loss allowance to noncurrent loans | 48.6778% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 4.6592% | 73 |
| Noncurrent loans to loans | 4.1696% | 155 |
| Net loans and leases to total assets | 81.7070% | 586 |
| Net loans and leases to deposits | 94.0231% | 1,148 |
| Net loans and leases to core deposits | 119.6509% | 486 |
| Total domestic deposits to total assets | 86.9010% | 1,657 |
| Equity capital to assets | 12.6426% | 1,741 |
| Core capital (leverage) ratio | 12.2630% | 1,618 |
| Tier 1 risk-based capital ratio | 17.1298% | 2,017 |
| Total risk-based capital ratio | 18.3894% | 1,945 |
| Memoranda: | ||
| Average total assets | $28,881,800 | 5,038 |
| Average earning assets | $27,948,800 | 5,010 |
| Average equity | $3,037,400 | 5,070 |
| Average total loans | $24,232,400 | 4,775 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2377% | 966 |
| Cost of funding earning assets | 1.7634% | 161 |
| Net interest margin | 3.4743% | 3,650 |
| Noninterest income to average assets | 0.1623% | 4,736 |
| Noninterest expense to average assets | 2.7953% | 2,571 |
| Loan and lease loss provision to assets | 0.6722% | 159 |
| Net operating income to assets | 0.0649% | 5,041 |
| Return on assets (ROA) | 0.0649% | 5,057 |
| Pretax return on assets | 0.0649% | 5,054 |
| Return on Equity (ROE) | 0.6508% | 5,040 |
| Retained earnings to average equity (ytd only) | -1.3480% | 4,886 |
| Net charge-offs to loans | 0.6289% | 256 |
| Credit loss provision to net charge-offs | 127.1930% | 1,859 |
| Earnings coverage of net charge-offs (x) | 1.3947% | 3,296 |
| Efficiency ratio | 79.1339% | 1,001 |
| Assets per employee ($millions) | 2.9932% | 4,898 |
| Cash dividends to net income (ytd only)* | 307.0702% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 1,233 |
| Loan loss allowance to noncurrent loans | 35.9073% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 4.3966% | 94 |
| Noncurrent loans to loans | 4.1965% | 155 |
| Net loans and leases to total assets | 81.2341% | 675 |
| Net loans and leases to deposits | 94.5190% | 1,173 |
| Net loans and leases to core deposits | 119.9497% | 540 |
| Total domestic deposits to total assets | 85.9448% | 2,020 |
| Equity capital to assets | 13.6409% | 1,297 |
| Core capital (leverage) ratio | 13.3242% | 1,202 |
| Tier 1 risk-based capital ratio | 18.7043% | 1,636 |
| Total risk-based capital ratio | 19.9595% | 1,604 |
| Memoranda: | ||
| Average total assets | $28,762,000 | 5,114 |
| Average earning assets | $27,899,500 | 5,087 |
| Average equity | $2,868,750 | 5,155 |
| Average total loans | $24,168,750 | 4,848 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1542% | 1,092 |
| Cost of funding earning assets | 1.7616% | 153 |
| Net interest margin | 3.3926% | 3,917 |
| Noninterest income to average assets | 0.1621% | 4,780 |
| Noninterest expense to average assets | 2.5377% | 3,359 |
| Loan and lease loss provision to assets | 0.8318% | 117 |
| Net operating income to assets | 0.0916% | 5,062 |
| Return on assets (ROA) | 0.0916% | 5,070 |
| Pretax return on assets | 0.0916% | 5,077 |
| Return on Equity (ROE) | 1.0552% | 5,044 |
| Retained earnings to average equity (ytd only) | -2.4351% | 4,943 |
| Net charge-offs to loans | 0.4167% | 402 |
| Credit loss provision to net charge-offs | 236.0000% | 1,068 |
| Earnings coverage of net charge-offs (x) | 2.6200% | 2,923 |
| Efficiency ratio | 73.3198% | 1,732 |
| Assets per employee ($millions) | 3.5675% | 4,418 |
| Cash dividends to net income (ytd only)* | 330.7692% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6995% | 818 |
| Loan loss allowance to noncurrent loans | 34.7494% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 5.4310% | 64 |
| Noncurrent loans to loans | 4.8907% | 110 |
| Net loans and leases to total assets | 82.8907% | 489 |
| Net loans and leases to deposits | 91.0690% | 1,612 |
| Net loans and leases to core deposits | 119.5402% | 563 |
| Total domestic deposits to total assets | 91.0196% | 103 |
| Equity capital to assets | 8.6720% | 4,969 |
| Core capital (leverage) ratio | 8.6617% | 4,873 |
| Tier 1 risk-based capital ratio | 11.7150% | 4,562 |
| Total risk-based capital ratio | 12.9691% | 4,467 |
| Memoranda: | ||
| Average total assets | $28,372,000 | 5,164 |
| Average earning assets | $27,589,330 | 5,133 |
| Average equity | $2,464,000 | 5,221 |
| Average total loans | $23,996,000 | 4,886 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1993% | 915 |
| Cost of funding earning assets | 1.7235% | 147 |
| Net interest margin | 3.4759% | 3,662 |
| Noninterest income to average assets | 0.1834% | 4,654 |
| Noninterest expense to average assets | 2.2860% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2841% | 1,762 |
| Return on assets (ROA) | 1.2841% | 1,802 |
| Pretax return on assets | 1.2841% | 2,518 |
| Return on Equity (ROE) | 14.4588% | 865 |
| Retained earnings to average equity (ytd only) | 14.4588% | 318 |
| Net charge-offs to loans | 0.2170% | 649 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,160 |
| Efficiency ratio | 64.0316% | 3,237 |
| Assets per employee ($millions) | 3.1304% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 1,794 |
| Loan loss allowance to noncurrent loans | 34.4538% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 3.8759% | 122 |
| Noncurrent loans to loans | 3.9690% | 195 |
| Net loans and leases to total assets | 83.9710% | 375 |
| Net loans and leases to deposits | 92.7110% | 1,313 |
| Net loans and leases to core deposits | 122.3141% | 471 |
| Total domestic deposits to total assets | 90.5729% | 262 |
| Equity capital to assets | 9.0970% | 4,620 |
| Core capital (leverage) ratio | 9.0105% | 4,648 |
| Tier 1 risk-based capital ratio | 12.5772% | 4,115 |
| Total risk-based capital ratio | 13.8271% | 3,997 |
| Memoranda: | ||
| Average total assets | $28,347,000 | 5,220 |
| Average earning assets | $27,619,000 | 5,189 |
| Average equity | $2,517,500 | 5,272 |
| Average total loans | $23,961,000 | 4,942 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1559% | 758 |
| Cost of funding earning assets | 1.6387% | 53 |
| Net interest margin | 3.5172% | 3,646 |
| Noninterest income to average assets | 0.1906% | 4,764 |
| Noninterest expense to average assets | 2.6045% | 3,320 |
| Loan and lease loss provision to assets | 0.4094% | 329 |
| Net operating income to assets | 0.5929% | 4,435 |
| Return on assets (ROA) | 0.5929% | 4,447 |
| Pretax return on assets | 0.5929% | 4,644 |
| Return on Equity (ROE) | 6.9181% | 3,853 |
| Retained earnings to average equity (ytd only) | 4.7768% | 2,905 |
| Net charge-offs to loans | 0.4048% | 457 |
| Credit loss provision to net charge-offs | 119.5876% | 2,176 |
| Earnings coverage of net charge-offs (x) | 2.9278% | 3,476 |
| Efficiency ratio | 72.2114% | 1,867 |
| Assets per employee ($millions) | 3.1689% | 4,866 |
| Cash dividends to net income (ytd only)* | 30.9524% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 1,543 |
| Loan loss allowance to noncurrent loans | 50.4438% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 2.8612% | 235 |
| Noncurrent loans to loans | 2.8242% | 385 |
| Net loans and leases to total assets | 82.7314% | 551 |
| Net loans and leases to deposits | 90.8898% | 1,688 |
| Net loans and leases to core deposits | 119.8263% | 552 |
| Total domestic deposits to total assets | 91.0238% | 203 |
| Equity capital to assets | 8.6676% | 4,830 |
| Core capital (leverage) ratio | 8.5863% | 4,962 |
| Tier 1 risk-based capital ratio | 12.2568% | 4,259 |
| Total risk-based capital ratio | 13.5095% | 4,151 |
| Memoranda: | ||
| Average total assets | $28,335,800 | 5,264 |
| Average earning assets | $27,522,000 | 5,232 |
| Average equity | $2,428,400 | 5,324 |
| Average total loans | $23,962,200 | 4,970 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 603 |
| Cost of funding earning assets | 1.6035% | 43 |
| Net interest margin | 3.6200% | 3,300 |
| Noninterest income to average assets | 0.2027% | 4,756 |
| Noninterest expense to average assets | 2.2999% | 4,099 |
| Loan and lease loss provision to assets | 0.2875% | 521 |
| Net operating income to assets | 1.1264% | 2,549 |
| Return on assets (ROA) | 1.1264% | 2,560 |
| Pretax return on assets | 1.1264% | 3,288 |
| Return on Equity (ROE) | 13.1814% | 1,362 |
| Retained earnings to average equity (ytd only) | 10.3135% | 819 |
| Net charge-offs to loans | 0.3338% | 497 |
| Credit loss provision to net charge-offs | 101.6667% | 2,233 |
| Earnings coverage of net charge-offs (x) | 4.9999% | 3,001 |
| Efficiency ratio | 61.9289% | 3,519 |
| Assets per employee ($millions) | 3.1996% | 4,887 |
| Cash dividends to net income (ytd only)* | 21.7567% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 1,879 |
| Loan loss allowance to noncurrent loans | 44.0655% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 3.2088% | 208 |
| Noncurrent loans to loans | 3.0650% | 352 |
| Net loans and leases to total assets | 81.9280% | 729 |
| Net loans and leases to deposits | 90.1559% | 1,874 |
| Net loans and leases to core deposits | 119.9939% | 573 |
| Total domestic deposits to total assets | 90.8737% | 249 |
| Equity capital to assets | 8.8172% | 4,708 |
| Core capital (leverage) ratio | 8.9564% | 4,741 |
| Tier 1 risk-based capital ratio | 12.5520% | 4,184 |
| Total risk-based capital ratio | 13.8042% | 4,065 |
| Memoranda: | ||
| Average total assets | $28,289,750 | 5,333 |
| Average earning assets | $27,439,500 | 5,302 |
| Average equity | $2,417,500 | 5,392 |
| Average total loans | $23,968,750 | 5,028 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2069% | 549 |
| Cost of funding earning assets | 1.5789% | 37 |
| Net interest margin | 3.6279% | 3,209 |
| Noninterest income to average assets | 0.2276% | 4,661 |
| Noninterest expense to average assets | 2.4039% | 3,889 |
| Loan and lease loss provision to assets | 0.4338% | 268 |
| Net operating income to assets | 0.9032% | 3,441 |
| Return on assets (ROA) | 0.9032% | 3,447 |
| Pretax return on assets | 0.9032% | 3,953 |
| Return on Equity (ROE) | 10.6857% | 2,238 |
| Retained earnings to average equity (ytd only) | 6.3105% | 2,409 |
| Net charge-offs to loans | 0.4002% | 390 |
| Credit loss provision to net charge-offs | 127.0833% | 1,744 |
| Earnings coverage of net charge-offs (x) | 3.9167% | 2,841 |
| Efficiency ratio | 64.2586% | 3,283 |
| Assets per employee ($millions) | 3.0831% | 5,041 |
| Cash dividends to net income (ytd only)* | 40.9449% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 1,757 |
| Loan loss allowance to noncurrent loans | 50.8346% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 3.0633% | 235 |
| Noncurrent loans to loans | 2.7486% | 442 |
| Net loans and leases to total assets | 85.1989% | 332 |
| Net loans and leases to deposits | 93.5758% | 1,407 |
| Net loans and leases to core deposits | 129.7317% | 339 |
| Total domestic deposits to total assets | 91.0480% | 239 |
| Equity capital to assets | 8.7033% | 4,800 |
| Core capital (leverage) ratio | 8.6192% | 5,023 |
| Tier 1 risk-based capital ratio | 11.9809% | 4,509 |
| Total risk-based capital ratio | 13.2351% | 4,385 |
| Memoranda: | ||
| Average total assets | $28,121,000 | 5,397 |
| Average earning assets | $27,233,330 | 5,366 |
| Average equity | $2,377,000 | 5,458 |
| Average total loans | $23,986,670 | 5,088 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1074% | 577 |
| Cost of funding earning assets | 1.5512% | 35 |
| Net interest margin | 3.5561% | 3,323 |
| Noninterest income to average assets | 0.2543% | 4,481 |
| Noninterest expense to average assets | 2.1337% | 4,570 |
| Loan and lease loss provision to assets | 0.8620% | 106 |
| Net operating income to assets | 0.6924% | 4,127 |
| Return on assets (ROA) | 0.6924% | 4,137 |
| Pretax return on assets | 0.6924% | 4,461 |
| Return on Equity (ROE) | 8.3121% | 3,238 |
| Retained earnings to average equity (ytd only) | 8.3121% | 1,725 |
| Net charge-offs to loans | 0.1834% | 798 |
| Credit loss provision to net charge-offs | 554.5455% | 546 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,926 |
| Efficiency ratio | 57.8544% | 4,361 |
| Assets per employee ($millions) | 3.1623% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 1,259 |
| Loan loss allowance to noncurrent loans | 63.5897% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 2.7265% | 320 |
| Noncurrent loans to loans | 2.4514% | 562 |
| Net loans and leases to total assets | 82.5410% | 597 |
| Net loans and leases to deposits | 90.3295% | 1,653 |
| Net loans and leases to core deposits | 118.7544% | 623 |
| Total domestic deposits to total assets | 91.3777% | 211 |
| Equity capital to assets | 8.3061% | 5,100 |
| Core capital (leverage) ratio | 8.4806% | 5,151 |
| Tier 1 risk-based capital ratio | 11.8673% | 4,633 |
| Total risk-based capital ratio | 13.1229% | 4,514 |
| Memoranda: | ||
| Average total assets | $28,307,500 | 5,456 |
| Average earning assets | $27,333,000 | 5,424 |
| Average equity | $2,358,000 | 5,518 |
| Average total loans | $23,992,000 | 5,143 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2574% | 395 |
| Cost of funding earning assets | 1.5371% | 19 |
| Net interest margin | 3.7203% | 2,721 |
| Noninterest income to average assets | 0.2498% | 4,639 |
| Noninterest expense to average assets | 2.6087% | 3,417 |
| Loan and lease loss provision to assets | 0.2498% | 749 |
| Net operating income to assets | 0.9671% | 2,374 |
| Return on assets (ROA) | 0.9671% | 2,415 |
| Pretax return on assets | 0.9671% | 3,683 |
| Return on Equity (ROE) | 11.8589% | 1,250 |
| Retained earnings to average equity (ytd only) | 9.7147% | 394 |
| Net charge-offs to loans | 0.6277% | 358 |
| Credit loss provision to net charge-offs | 47.2973% | 3,360 |
| Earnings coverage of net charge-offs (x) | 2.3041% | 3,762 |
| Efficiency ratio | 68.1903% | 2,855 |
| Assets per employee ($millions) | 3.1282% | 5,101 |
| Cash dividends to net income (ytd only)* | 18.0812% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 2,051 |
| Loan loss allowance to noncurrent loans | 178.8889% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.3178% | 1,098 |
| Noncurrent loans to loans | 0.7463% | 2,339 |
| Net loans and leases to total assets | 84.5280% | 394 |
| Net loans and leases to deposits | 92.5128% | 1,449 |
| Net loans and leases to core deposits | 125.5169% | 450 |
| Total domestic deposits to total assets | 91.3689% | 164 |
| Equity capital to assets | 8.3541% | 5,226 |
| Core capital (leverage) ratio | 8.3057% | 5,281 |
| Tier 1 risk-based capital ratio | 11.4706% | 4,869 |
| Total risk-based capital ratio | 12.7242% | 4,761 |
| Memoranda: | ||
| Average total assets | $28,022,000 | 5,518 |
| Average earning assets | $26,933,400 | 5,486 |
| Average equity | $2,285,200 | 5,585 |
| Average total loans | $23,579,400 | 5,207 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2605% | 375 |
| Cost of funding earning assets | 1.5285% | 18 |
| Net interest margin | 3.7320% | 2,651 |
| Noninterest income to average assets | 0.2667% | 4,600 |
| Noninterest expense to average assets | 2.3104% | 4,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5387% | 817 |
| Return on assets (ROA) | 1.5387% | 847 |
| Pretax return on assets | 1.5387% | 1,629 |
| Return on Equity (ROE) | 18.9844% | 280 |
| Retained earnings to average equity (ytd only) | 16.1040% | 89 |
| Net charge-offs to loans | 0.3696% | 567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.9695% | 3,163 |
| Efficiency ratio | 60.0248% | 4,212 |
| Assets per employee ($millions) | 3.1141% | 5,162 |
| Cash dividends to net income (ytd only)* | 15.1697% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,892 |
| Loan loss allowance to noncurrent loans | 193.6416% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 1.6627% | 872 |
| Noncurrent loans to loans | 0.7224% | 2,551 |
| Net loans and leases to total assets | 84.2473% | 411 |
| Net loans and leases to deposits | 92.5961% | 1,483 |
| Net loans and leases to core deposits | 131.2580% | 321 |
| Total domestic deposits to total assets | 90.9837% | 188 |
| Equity capital to assets | 8.6845% | 5,160 |
| Core capital (leverage) ratio | 8.5003% | 5,249 |
| Tier 1 risk-based capital ratio | 11.7867% | 4,781 |
| Total risk-based capital ratio | 13.0376% | 4,644 |
| Memoranda: | ||
| Average total assets | $27,989,000 | 5,580 |
| Average earning assets | $26,866,250 | 5,546 |
| Average equity | $2,268,500 | 5,648 |
| Average total loans | $23,444,250 | 5,266 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2093% | 392 |
| Cost of funding earning assets | 1.5054% | 17 |
| Net interest margin | 3.7039% | 2,644 |
| Noninterest income to average assets | 0.2359% | 4,827 |
| Noninterest expense to average assets | 2.4092% | 4,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3797% | 1,109 |
| Return on assets (ROA) | 1.3797% | 1,136 |
| Pretax return on assets | 1.3797% | 2,102 |
| Return on Equity (ROE) | 17.4398% | 376 |
| Retained earnings to average equity (ytd only) | 13.0121% | 250 |
| Net charge-offs to loans | 0.5671% | 344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.9242% | 3,105 |
| Efficiency ratio | 63.5849% | 3,745 |
| Assets per employee ($millions) | 3.1780% | 5,121 |
| Cash dividends to net income (ytd only)* | 25.3886% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 1,876 |
| Loan loss allowance to noncurrent loans | 224.1611% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 1.8355% | 744 |
| Noncurrent loans to loans | 0.6321% | 2,833 |
| Net loans and leases to total assets | 81.2531% | 780 |
| Net loans and leases to deposits | 88.6144% | 1,906 |
| Net loans and leases to core deposits | 119.0635% | 595 |
| Total domestic deposits to total assets | 91.6929% | 106 |
| Equity capital to assets | 8.0204% | 5,529 |
| Core capital (leverage) ratio | 8.0109% | 5,519 |
| Tier 1 risk-based capital ratio | 11.3915% | 5,022 |
| Total risk-based capital ratio | 12.6435% | 4,919 |
| Memoranda: | ||
| Average total assets | $27,976,330 | 5,625 |
| Average earning assets | $26,836,670 | 5,594 |
| Average equity | $2,213,330 | 5,702 |
| Average total loans | $23,276,670 | 5,309 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2228% | 368 |
| Cost of funding earning assets | 1.4901% | 19 |
| Net interest margin | 3.7327% | 2,374 |
| Noninterest income to average assets | 0.2458% | 4,777 |
| Noninterest expense to average assets | 2.3858% | 4,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4459% | 901 |
| Return on assets (ROA) | 1.4459% | 924 |
| Pretax return on assets | 1.4459% | 1,709 |
| Return on Equity (ROE) | 18.4077% | 316 |
| Retained earnings to average equity (ytd only) | 9.3879% | 952 |
| Net charge-offs to loans | 0.8820% | 194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.9608% | 2,657 |
| Efficiency ratio | 62.2642% | 4,112 |
| Assets per employee ($millions) | 3.1141% | 5,255 |
| Cash dividends to net income (ytd only)* | 49.0000% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 1,680 |
| Loan loss allowance to noncurrent loans | 135.7977% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 2.2585% | 546 |
| Noncurrent loans to loans | 1.1070% | 1,847 |
| Net loans and leases to total assets | 81.5856% | 616 |
| Net loans and leases to deposits | 88.8276% | 1,691 |
| Net loans and leases to core deposits | 120.1576% | 460 |
| Total domestic deposits to total assets | 91.8471% | 123 |
| Equity capital to assets | 7.8745% | 5,578 |
| Core capital (leverage) ratio | 7.7689% | 5,642 |
| Tier 1 risk-based capital ratio | 10.8924% | 5,367 |
| Total risk-based capital ratio | 12.1454% | 5,287 |
| Memoranda: | ||
| Average total assets | $27,663,500 | 5,696 |
| Average earning assets | $26,576,000 | 5,666 |
| Average equity | $2,173,000 | 5,769 |
| Average total loans | $23,128,000 | 5,368 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3255% | 340 |
| Cost of funding earning assets | 1.4090% | 24 |
| Net interest margin | 3.9166% | 1,916 |
| Noninterest income to average assets | 0.2823% | 4,723 |
| Noninterest expense to average assets | 2.9134% | 2,627 |
| Loan and lease loss provision to assets | 0.4235% | 351 |
| Net operating income to assets | 0.7058% | 3,756 |
| Return on assets (ROA) | 0.7215% | 3,797 |
| Pretax return on assets | 0.7215% | 4,421 |
| Return on Equity (ROE) | 8.5693% | 2,626 |
| Retained earnings to average equity (ytd only) | 6.2407% | 1,585 |
| Net charge-offs to loans | 0.2662% | 1,040 |
| Credit loss provision to net charge-offs | 189.4737% | 1,492 |
| Earnings coverage of net charge-offs (x) | 5.0526% | 3,398 |
| Efficiency ratio | 72.0660% | 2,578 |
| Assets per employee ($millions) | 2.7300% | 5,541 |
| Cash dividends to net income (ytd only)* | 27.1739% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 1,070 |
| Loan loss allowance to noncurrent loans | 140.3509% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 2.3297% | 534 |
| Noncurrent loans to loans | 1.2369% | 1,660 |
| Net loans and leases to total assets | 82.9341% | 487 |
| Net loans and leases to deposits | 90.2571% | 1,654 |
| Net loans and leases to core deposits | 107.4918% | 1,045 |
| Total domestic deposits to total assets | 91.8864% | 117 |
| Equity capital to assets | 7.8352% | 5,628 |
| Core capital (leverage) ratio | 7.7969% | 5,687 |
| Tier 1 risk-based capital ratio | 10.9143% | 5,388 |
| Total risk-based capital ratio | 12.1692% | 5,272 |
| Memoranda: | ||
| Average total assets | $25,503,200 | 5,771 |
| Average earning assets | $24,485,800 | 5,741 |
| Average equity | $2,147,200 | 5,833 |
| Average total loans | $21,412,600 | 5,469 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3222% | 352 |
| Cost of funding earning assets | 1.3764% | 23 |
| Net interest margin | 3.9459% | 1,828 |
| Noninterest income to average assets | 0.3033% | 4,599 |
| Noninterest expense to average assets | 2.6023% | 3,650 |
| Loan and lease loss provision to assets | 0.3087% | 542 |
| Net operating income to assets | 1.1761% | 1,711 |
| Return on assets (ROA) | 1.1974% | 1,741 |
| Pretax return on assets | 1.1974% | 2,850 |
| Return on Equity (ROE) | 13.9579% | 835 |
| Retained earnings to average equity (ytd only) | 10.8563% | 442 |
| Net charge-offs to loans | -0.0635% | 5,437 |
| Credit loss provision to net charge-offs | -580.0000% | 5,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6719% | 3,973 |
| Assets per employee ($millions) | 2.6394% | 5,650 |
| Cash dividends to net income (ytd only)* | 22.2241% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8906% | 868 |
| Loan loss allowance to noncurrent loans | 91.4474% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 3.0575% | 370 |
| Noncurrent loans to loans | 2.0674% | 937 |
| Net loans and leases to total assets | 81.9883% | 622 |
| Net loans and leases to deposits | 89.8559% | 1,776 |
| Net loans and leases to core deposits | 105.0180% | 1,275 |
| Total domestic deposits to total assets | 91.2442% | 151 |
| Equity capital to assets | 8.4944% | 5,535 |
| Core capital (leverage) ratio | 8.5282% | 5,339 |
| Tier 1 risk-based capital ratio | 11.6435% | 5,016 |
| Total risk-based capital ratio | 12.9037% | 4,912 |
| Memoranda: | ||
| Average total assets | $25,054,000 | 5,837 |
| Average earning assets | $24,024,250 | 5,804 |
| Average equity | $2,149,250 | 5,897 |
| Average total loans | $21,005,500 | 5,537 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3623% | 320 |
| Cost of funding earning assets | 1.3491% | 25 |
| Net interest margin | 4.0132% | 1,602 |
| Noninterest income to average assets | 0.3089% | 4,572 |
| Noninterest expense to average assets | 2.6903% | 3,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4630% | 953 |
| Return on assets (ROA) | 1.4955% | 942 |
| Pretax return on assets | 1.4955% | 1,678 |
| Return on Equity (ROE) | 17.3722% | 405 |
| Retained earnings to average equity (ytd only) | 12.6515% | 256 |
| Net charge-offs to loans | -0.2227% | 5,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7750% | 3,884 |
| Assets per employee ($millions) | 2.4909% | 5,792 |
| Cash dividends to net income (ytd only)* | 27.1739% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 1,174 |
| Loan loss allowance to noncurrent loans | 62.0632% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 3.8219% | 253 |
| Noncurrent loans to loans | 2.8272% | 553 |
| Net loans and leases to total assets | 83.8452% | 431 |
| Net loans and leases to deposits | 94.2592% | 1,266 |
| Net loans and leases to core deposits | 106.1877% | 1,168 |
| Total domestic deposits to total assets | 88.9518% | 940 |
| Equity capital to assets | 8.8683% | 5,338 |
| Core capital (leverage) ratio | 8.6166% | 5,247 |
| Tier 1 risk-based capital ratio | 11.7133% | 5,027 |
| Total risk-based capital ratio | 12.9677% | 4,911 |
| Memoranda: | ||
| Average total assets | $24,607,330 | 5,917 |
| Average earning assets | $23,572,000 | 5,885 |
| Average equity | $2,118,330 | 5,974 |
| Average total loans | $20,655,000 | 5,613 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3145% | 344 |
| Cost of funding earning assets | 1.3500% | 29 |
| Net interest margin | 3.9645% | 1,729 |
| Noninterest income to average assets | 0.3435% | 4,274 |
| Noninterest expense to average assets | 2.4370% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7010% | 577 |
| Return on assets (ROA) | 1.7173% | 588 |
| Pretax return on assets | 1.7173% | 1,027 |
| Return on Equity (ROE) | 20.2605% | 227 |
| Retained earnings to average equity (ytd only) | 10.6126% | 718 |
| Net charge-offs to loans | 0.1179% | 1,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,582 |
| Efficiency ratio | 58.8933% | 4,888 |
| Assets per employee ($millions) | 2.4608% | 5,867 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 1,455 |
| Loan loss allowance to noncurrent loans | 224.1830% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 2.0481% | 840 |
| Noncurrent loans to loans | 0.7408% | 2,981 |
| Net loans and leases to total assets | 82.5382% | 502 |
| Net loans and leases to deposits | 90.5973% | 1,505 |
| Net loans and leases to core deposits | 98.2347% | 1,619 |
| Total domestic deposits to total assets | 91.1045% | 242 |
| Equity capital to assets | 8.6151% | 5,478 |
| Core capital (leverage) ratio | 8.3628% | 5,503 |
| Tier 1 risk-based capital ratio | 11.8495% | 5,012 |
| Total risk-based capital ratio | 13.1034% | 4,914 |
| Memoranda: | ||
| Average total assets | $24,456,500 | 5,977 |
| Average earning assets | $23,407,500 | 5,946 |
| Average equity | $2,073,000 | 6,036 |
| Average total loans | $20,353,500 | 5,672 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2299% | 408 |
| Cost of funding earning assets | 1.2243% | 51 |
| Net interest margin | 4.0056% | 1,697 |
| Noninterest income to average assets | 0.3036% | 4,711 |
| Noninterest expense to average assets | 3.0399% | 2,417 |
| Loan and lease loss provision to assets | 0.7739% | 126 |
| Net operating income to assets | 0.3506% | 5,215 |
| Return on assets (ROA) | 0.3591% | 5,263 |
| Pretax return on assets | 0.3591% | 5,409 |
| Return on Equity (ROE) | 4.0781% | 4,906 |
| Retained earnings to average equity (ytd only) | 2.8644% | 4,025 |
| Net charge-offs to loans | 0.7269% | 330 |
| Credit loss provision to net charge-offs | 132.1168% | 1,981 |
| Earnings coverage of net charge-offs (x) | 1.9197% | 4,007 |
| Efficiency ratio | 72.9979% | 2,749 |
| Assets per employee ($millions) | 2.4305% | 5,923 |
| Cash dividends to net income (ytd only)* | 29.7619% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7404% | 1,264 |
| Loan loss allowance to noncurrent loans | 320.1835% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 1.8926% | 968 |
| Noncurrent loans to loans | 0.5436% | 3,533 |
| Net loans and leases to total assets | 81.0697% | 701 |
| Net loans and leases to deposits | 88.6809% | 1,786 |
| Net loans and leases to core deposits | 96.2297% | 1,823 |
| Total domestic deposits to total assets | 91.4174% | 193 |
| Equity capital to assets | 8.3357% | 5,678 |
| Core capital (leverage) ratio | 8.1909% | 5,709 |
| Tier 1 risk-based capital ratio | 11.8131% | 5,062 |
| Total risk-based capital ratio | 13.0686% | 4,978 |
| Memoranda: | ||
| Average total assets | $23,388,600 | 6,051 |
| Average earning assets | $22,543,400 | 6,016 |
| Average equity | $2,059,800 | 6,091 |
| Average total loans | $18,847,600 | 5,768 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1299% | 488 |
| Cost of funding earning assets | 1.1916% | 61 |
| Net interest margin | 3.9383% | 1,905 |
| Noninterest income to average assets | 0.2879% | 4,883 |
| Noninterest expense to average assets | 2.6540% | 3,707 |
| Loan and lease loss provision to assets | 0.8118% | 85 |
| Net operating income to assets | 0.6275% | 4,251 |
| Return on assets (ROA) | 0.6390% | 4,304 |
| Pretax return on assets | 0.6390% | 4,869 |
| Return on Equity (ROE) | 7.1558% | 3,540 |
| Retained earnings to average equity (ytd only) | 5.5438% | 2,553 |
| Net charge-offs to loans | 0.4170% | 612 |
| Credit loss provision to net charge-offs | 243.1034% | 1,162 |
| Earnings coverage of net charge-offs (x) | 4.3105% | 3,370 |
| Efficiency ratio | 64.8383% | 4,094 |
| Assets per employee ($millions) | 2.3941% | 6,008 |
| Cash dividends to net income (ytd only)* | 22.5203% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9846% | 936 |
| Loan loss allowance to noncurrent loans | 165.8120% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 2.1595% | 896 |
| Noncurrent loans to loans | 1.1969% | 2,133 |
| Net loans and leases to total assets | 80.0426% | 818 |
| Net loans and leases to deposits | 87.8996% | 1,919 |
| Net loans and leases to core deposits | 94.8288% | 1,997 |
| Total domestic deposits to total assets | 91.0614% | 229 |
| Equity capital to assets | 8.6755% | 5,592 |
| Core capital (leverage) ratio | 8.3907% | 5,634 |
| Tier 1 risk-based capital ratio | 12.4590% | 4,787 |
| Total risk-based capital ratio | 13.7176% | 4,683 |
| Memoranda: | ||
| Average total assets | $23,159,500 | 6,141 |
| Average earning assets | $22,378,000 | 6,107 |
| Average equity | $2,068,250 | 6,177 |
| Average total loans | $18,546,250 | 5,849 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0948% | 511 |
| Cost of funding earning assets | 1.1493% | 73 |
| Net interest margin | 3.9455% | 1,830 |
| Noninterest income to average assets | 0.2882% | 4,902 |
| Noninterest expense to average assets | 2.6202% | 3,848 |
| Loan and lease loss provision to assets | 0.1834% | 1,111 |
| Net operating income to assets | 1.2926% | 1,346 |
| Return on assets (ROA) | 1.3101% | 1,349 |
| Pretax return on assets | 1.3101% | 2,323 |
| Return on Equity (ROE) | 14.5255% | 815 |
| Retained earnings to average equity (ytd only) | 12.1046% | 382 |
| Net charge-offs to loans | 0.1208% | 1,802 |
| Credit loss provision to net charge-offs | 190.9091% | 1,283 |
| Earnings coverage of net charge-offs (x) | 15.3636% | 1,982 |
| Efficiency ratio | 63.9659% | 4,367 |
| Assets per employee ($millions) | 2.3960% | 6,085 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6787% | 1,665 |
| Loan loss allowance to noncurrent loans | 75.5396% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 2.9215% | 581 |
| Noncurrent loans to loans | 2.2222% | 1,075 |
| Net loans and leases to total assets | 77.0033% | 1,215 |
| Net loans and leases to deposits | 84.5903% | 2,241 |
| Net loans and leases to core deposits | 92.8535% | 2,079 |
| Total domestic deposits to total assets | 91.0309% | 287 |
| Equity capital to assets | 8.7354% | 5,498 |
| Core capital (leverage) ratio | 8.8663% | 5,138 |
| Tier 1 risk-based capital ratio | 13.0424% | 4,493 |
| Total risk-based capital ratio | 14.2973% | 4,411 |
| Memoranda: | ||
| Average total assets | $22,899,000 | 6,221 |
| Average earning assets | $22,101,000 | 6,185 |
| Average equity | $2,065,330 | 6,251 |
| Average total loans | $18,211,330 | 5,917 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2667% | 372 |
| Cost of funding earning assets | 1.1312% | 81 |
| Net interest margin | 4.1355% | 1,193 |
| Noninterest income to average assets | 0.2504% | 5,168 |
| Noninterest expense to average assets | 2.4678% | 4,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7703% | 509 |
| Return on assets (ROA) | 1.8061% | 503 |
| Pretax return on assets | 1.8061% | 857 |
| Return on Equity (ROE) | 19.6929% | 277 |
| Retained earnings to average equity (ytd only) | 19.6929% | 103 |
| Net charge-offs to loans | -0.1115% | 5,892 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2278% | 5,309 |
| Assets per employee ($millions) | 2.2885% | 6,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 1,722 |
| Loan loss allowance to noncurrent loans | 93.3735% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 2.3553% | 933 |
| Noncurrent loans to loans | 1.8257% | 1,478 |
| Net loans and leases to total assets | 78.1079% | 909 |
| Net loans and leases to deposits | 86.2527% | 1,796 |
| Net loans and leases to core deposits | 94.4119% | 1,731 |
| Total domestic deposits to total assets | 90.5571% | 511 |
| Equity capital to assets | 9.2113% | 5,072 |
| Core capital (leverage) ratio | 9.1157% | 4,830 |
| Tier 1 risk-based capital ratio | 13.5590% | 4,293 |
| Total risk-based capital ratio | 14.8160% | 4,207 |
| Memoranda: | ||
| Average total assets | $22,368,500 | 6,292 |
| Average earning assets | $21,569,500 | 6,254 |
| Average equity | $2,051,500 | 6,316 |
| Average total loans | $17,934,500 | 5,979 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3343% | 426 |
| Cost of funding earning assets | 1.0089% | 222 |
| Net interest margin | 4.3254% | 1,013 |
| Noninterest income to average assets | 0.3463% | 4,627 |
| Noninterest expense to average assets | 3.8098% | 976 |
| Loan and lease loss provision to assets | 0.4666% | 349 |
| Net operating income to assets | 0.2357% | 5,689 |
| Return on assets (ROA) | 0.2646% | 5,681 |
| Pretax return on assets | 0.2646% | 5,766 |
| Return on Equity (ROE) | 2.7826% | 5,546 |
| Retained earnings to average equity (ytd only) | 1.5178% | 5,074 |
| Net charge-offs to loans | 0.3915% | 1,093 |
| Credit loss provision to net charge-offs | 156.4516% | 1,551 |
| Earnings coverage of net charge-offs (x) | 2.3548% | 4,175 |
| Efficiency ratio | 84.4350% | 1,351 |
| Assets per employee ($millions) | 2.1852% | 6,317 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 1,712 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 2.3385% | 1,007 |
| Noncurrent loans to loans | 1.7247% | 1,683 |
| Net loans and leases to total assets | 79.5305% | 805 |
| Net loans and leases to deposits | 87.7151% | 1,770 |
| Net loans and leases to core deposits | 97.2415% | 1,615 |
| Total domestic deposits to total assets | 90.6690% | 478 |
| Equity capital to assets | 9.1296% | 5,152 |
| Core capital (leverage) ratio | 8.8113% | 5,230 |
| Tier 1 risk-based capital ratio | 13.0972% | 4,657 |
| Total risk-based capital ratio | 14.3598% | 4,573 |
| Memoranda: | ||
| Average total assets | $20,788,400 | 6,400 |
| Average earning assets | $20,021,200 | 6,368 |
| Average equity | $1,976,600 | 6,405 |
| Average total loans | $15,835,800 | 6,136 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2708% | 458 |
| Cost of funding earning assets | 0.9773% | 271 |
| Net interest margin | 4.2935% | 1,067 |
| Noninterest income to average assets | 0.3573% | 4,582 |
| Noninterest expense to average assets | 3.3394% | 1,817 |
| Loan and lease loss provision to assets | 0.3054% | 637 |
| Net operating income to assets | 0.8511% | 3,172 |
| Return on assets (ROA) | 0.8900% | 3,057 |
| Pretax return on assets | 0.8900% | 4,033 |
| Return on Equity (ROE) | 9.2627% | 2,559 |
| Retained earnings to average equity (ytd only) | 7.5725% | 1,546 |
| Net charge-offs to loans | 0.2602% | 1,500 |
| Credit loss provision to net charge-offs | 156.6667% | 1,528 |
| Earnings coverage of net charge-offs (x) | 5.9333% | 3,168 |
| Efficiency ratio | 74.2775% | 2,776 |
| Assets per employee ($millions) | 2.1919% | 6,384 |
| Cash dividends to net income (ytd only)* | 18.2470% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 2,001 |
| Loan loss allowance to noncurrent loans | 86.9697% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 2.5685% | 1,003 |
| Noncurrent loans to loans | 1.9435% | 1,642 |
| Net loans and leases to total assets | 76.1577% | 1,200 |
| Net loans and leases to deposits | 84.2060% | 2,121 |
| Net loans and leases to core deposits | 90.0815% | 2,215 |
| Total domestic deposits to total assets | 90.4421% | 550 |
| Equity capital to assets | 9.3344% | 5,000 |
| Core capital (leverage) ratio | 9.3933% | 4,523 |
| Tier 1 risk-based capital ratio | 14.0916% | 4,150 |
| Total risk-based capital ratio | 15.3477% | 4,081 |
| Memoranda: | ||
| Average total assets | $20,522,500 | 6,479 |
| Average earning assets | $19,781,250 | 6,448 |
| Average equity | $1,972,000 | 6,482 |
| Average total loans | $15,373,750 | 6,221 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2139% | 495 |
| Cost of funding earning assets | 0.9395% | 335 |
| Net interest margin | 4.2744% | 1,082 |
| Noninterest income to average assets | 0.3789% | 4,417 |
| Noninterest expense to average assets | 3.3205% | 1,869 |
| Loan and lease loss provision to assets | 0.2493% | 883 |
| Net operating income to assets | 0.9373% | 2,612 |
| Return on assets (ROA) | 0.9373% | 2,719 |
| Pretax return on assets | 0.9373% | 3,734 |
| Return on Equity (ROE) | 9.6542% | 2,300 |
| Retained earnings to average equity (ytd only) | 7.0866% | 1,728 |
| Net charge-offs to loans | 0.4178% | 977 |
| Credit loss provision to net charge-offs | 80.6452% | 2,320 |
| Earnings coverage of net charge-offs (x) | 3.8387% | 3,211 |
| Efficiency ratio | 73.6726% | 3,030 |
| Assets per employee ($millions) | 2.3450% | 6,381 |
| Cash dividends to net income (ytd only)* | 26.5957% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 2,304 |
| Loan loss allowance to noncurrent loans | 111.8644% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 2.1038% | 1,487 |
| Noncurrent loans to loans | 1.4710% | 2,355 |
| Net loans and leases to total assets | 74.7690% | 1,338 |
| Net loans and leases to deposits | 82.8520% | 2,155 |
| Net loans and leases to core deposits | 88.1417% | 2,301 |
| Total domestic deposits to total assets | 90.2440% | 692 |
| Equity capital to assets | 9.5712% | 4,662 |
| Core capital (leverage) ratio | 9.6990% | 4,042 |
| Tier 1 risk-based capital ratio | 14.2634% | 4,089 |
| Total risk-based capital ratio | 15.5188% | 4,021 |
| Memoranda: | ||
| Average total assets | $20,057,000 | 6,550 |
| Average earning assets | $19,371,330 | 6,518 |
| Average equity | $1,947,330 | 6,545 |
| Average total loans | $14,838,330 | 6,289 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2619% | 439 |
| Cost of funding earning assets | 0.9336% | 374 |
| Net interest margin | 4.3283% | 946 |
| Noninterest income to average assets | 0.3481% | 4,589 |
| Noninterest expense to average assets | 3.5427% | 1,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9830% | 2,274 |
| Return on assets (ROA) | 0.9830% | 2,332 |
| Pretax return on assets | 0.9830% | 3,397 |
| Return on Equity (ROE) | 10.0471% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.0471% | 949 |
| Net charge-offs to loans | 0.4496% | 806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,747 |
| Efficiency ratio | 78.2805% | 2,440 |
| Assets per employee ($millions) | 2.5130% | 6,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 2,185 |
| Loan loss allowance to noncurrent loans | 120.3791% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 2.1339% | 1,573 |
| Noncurrent loans to loans | 1.4571% | 2,603 |
| Net loans and leases to total assets | 70.7670% | 1,762 |
| Net loans and leases to deposits | 78.5805% | 2,475 |
| Net loans and leases to core deposits | 83.8757% | 2,531 |
| Total domestic deposits to total assets | 90.0567% | 1,043 |
| Equity capital to assets | 9.7543% | 4,162 |
| Core capital (leverage) ratio | 10.1608% | 3,336 |
| Tier 1 risk-based capital ratio | 16.2015% | 3,056 |
| Total risk-based capital ratio | 17.4590% | 3,012 |
| Memoranda: | ||
| Average total assets | $19,533,000 | 6,630 |
| Average earning assets | $18,852,500 | 6,596 |
| Average equity | $1,911,000 | 6,612 |
| Average total loans | $14,235,500 | 6,373 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7000% | 267 |
| Cost of funding earning assets | 0.9450% | 593 |
| Net interest margin | 4.7550% | 469 |
| Noninterest income to average assets | 0.3676% | 4,681 |
| Noninterest expense to average assets | 3.4446% | 1,780 |
| Loan and lease loss provision to assets | 0.6052% | 411 |
| Net operating income to assets | 0.7579% | 3,505 |
| Return on assets (ROA) | 0.7579% | 3,601 |
| Pretax return on assets | 0.7579% | 4,308 |
| Return on Equity (ROE) | 8.1578% | 2,953 |
| Retained earnings to average equity (ytd only) | 6.6358% | 1,603 |
| Net charge-offs to loans | 0.8507% | 725 |
| Credit loss provision to net charge-offs | 101.9048% | 2,370 |
| Earnings coverage of net charge-offs (x) | 2.2952% | 4,248 |
| Efficiency ratio | 71.6471% | 3,545 |
| Assets per employee ($millions) | 2.7089% | 6,211 |
| Cash dividends to net income (ytd only)* | 18.6567% | 3,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 1,712 |
| Loan loss allowance to noncurrent loans | 105.0584% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 2.5208% | 1,355 |
| Noncurrent loans to loans | 1.8370% | 2,187 |
| Net loans and leases to total assets | 72.3552% | 1,629 |
| Net loans and leases to deposits | 80.3843% | 2,403 |
| Net loans and leases to core deposits | 86.1538% | 2,429 |
| Total domestic deposits to total assets | 90.0116% | 1,069 |
| Equity capital to assets | 9.8144% | 4,015 |
| Core capital (leverage) ratio | 10.4275% | 2,990 |
| Tier 1 risk-based capital ratio | 16.3205% | 2,953 |
| Total risk-based capital ratio | 17.5850% | 2,900 |
| Memoranda: | ||
| Average total assets | $17,680,000 | 6,731 |
| Average earning assets | $16,508,800 | 6,710 |
| Average equity | $1,642,600 | 6,740 |
| Average total loans | $12,342,600 | 6,505 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7685% | 248 |
| Cost of funding earning assets | 0.9628% | 597 |
| Net interest margin | 4.8057% | 425 |
| Noninterest income to average assets | 0.3763% | 4,698 |
| Noninterest expense to average assets | 3.1874% | 2,404 |
| Loan and lease loss provision to assets | 0.4762% | 584 |
| Net operating income to assets | 1.1598% | 1,775 |
| Return on assets (ROA) | 1.1598% | 1,843 |
| Pretax return on assets | 1.1598% | 2,852 |
| Return on Equity (ROE) | 12.6782% | 1,320 |
| Retained earnings to average equity (ytd only) | 10.5793% | 670 |
| Net charge-offs to loans | 0.6146% | 1,011 |
| Credit loss provision to net charge-offs | 112.7273% | 2,084 |
| Earnings coverage of net charge-offs (x) | 3.8728% | 3,594 |
| Efficiency ratio | 66.0828% | 4,461 |
| Assets per employee ($millions) | 2.5494% | 6,430 |
| Cash dividends to net income (ytd only)* | 16.5549% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1160% | 1,470 |
| Loan loss allowance to noncurrent loans | 119.0476% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 2.2414% | 1,768 |
| Noncurrent loans to loans | 1.7775% | 2,530 |
| Net loans and leases to total assets | 71.2821% | 1,730 |
| Net loans and leases to deposits | 79.0026% | 2,533 |
| Net loans and leases to core deposits | 83.6468% | 2,684 |
| Total domestic deposits to total assets | 90.2275% | 876 |
| Equity capital to assets | 9.5708% | 4,462 |
| Core capital (leverage) ratio | 8.8527% | 5,322 |
| Tier 1 risk-based capital ratio | 13.9912% | 4,439 |
| Total risk-based capital ratio | 15.2566% | 4,381 |
| Memoranda: | ||
| Average total assets | $17,359,500 | 6,812 |
| Average earning assets | $16,063,750 | 6,798 |
| Average equity | $1,588,000 | 6,827 |
| Average total loans | $11,930,750 | 6,591 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7563% | 254 |
| Cost of funding earning assets | 0.9657% | 653 |
| Net interest margin | 4.7905% | 440 |
| Noninterest income to average assets | 0.3722% | 4,735 |
| Noninterest expense to average assets | 3.2796% | 2,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4770% | 937 |
| Return on assets (ROA) | 1.4770% | 1,010 |
| Pretax return on assets | 1.4770% | 1,684 |
| Return on Equity (ROE) | 16.4083% | 618 |
| Retained earnings to average equity (ytd only) | 13.1783% | 364 |
| Net charge-offs to loans | -0.4492% | 6,818 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9487% | 4,018 |
| Assets per employee ($millions) | 3.4912% | 4,874 |
| Cash dividends to net income (ytd only)* | 19.6850% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4200% | 1,072 |
| Loan loss allowance to noncurrent loans | 98.0000% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 2.6868% | 1,554 |
| Noncurrent loans to loans | 2.4693% | 1,885 |
| Net loans and leases to total assets | 67.9136% | 2,255 |
| Net loans and leases to deposits | 74.4053% | 3,086 |
| Net loans and leases to core deposits | 76.7910% | 3,455 |
| Total domestic deposits to total assets | 91.2752% | 456 |
| Equity capital to assets | 8.5644% | 5,700 |
| Core capital (leverage) ratio | 8.7337% | 5,376 |
| Tier 1 risk-based capital ratio | 14.3330% | 4,205 |
| Total risk-based capital ratio | 15.6026% | 4,146 |
| Memoranda: | ||
| Average total assets | $17,197,330 | 6,866 |
| Average earning assets | $15,739,330 | 6,849 |
| Average equity | $1,548,000 | 6,880 |
| Average total loans | $11,575,670 | 6,648 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9961% | 167 |
| Cost of funding earning assets | 1.0212% | 546 |
| Net interest margin | 4.9750% | 307 |
| Noninterest income to average assets | 0.3047% | 5,260 |
| Noninterest expense to average assets | 3.4450% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3124% | 1,249 |
| Return on assets (ROA) | 1.3124% | 1,354 |
| Pretax return on assets | 1.3124% | 2,188 |
| Return on Equity (ROE) | 14.2267% | 922 |
| Retained earnings to average equity (ytd only) | 7.8755% | 1,793 |
| Net charge-offs to loans | -1.1693% | 6,938 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4138% | 3,536 |
| Assets per employee ($millions) | 3.6048% | 4,774 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6668% | 951 |
| Loan loss allowance to noncurrent loans | 102.3810% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 2.8462% | 1,585 |
| Noncurrent loans to loans | 2.6048% | 1,977 |
| Net loans and leases to total assets | 60.9521% | 3,257 |
| Net loans and leases to deposits | 67.0164% | 3,912 |
| Net loans and leases to core deposits | 69.9745% | 4,085 |
| Total domestic deposits to total assets | 90.9510% | 545 |
| Equity capital to assets | 8.8493% | 5,667 |
| Core capital (leverage) ratio | 8.8491% | 5,121 |
| Tier 1 risk-based capital ratio | 14.4299% | 4,222 |
| Total risk-based capital ratio | 15.7011% | 4,176 |
| Memoranda: | ||
| Average total assets | $17,068,000 | 6,943 |
| Average earning assets | $15,276,500 | 6,930 |
| Average equity | $1,574,500 | 6,942 |
| Average total loans | $11,289,000 | 6,727 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8171% | 91 |
| Cost of funding earning assets | 1.0084% | 1,316 |
| Net interest margin | 5.8088% | 102 |
| Noninterest income to average assets | 0.3625% | 4,888 |
| Noninterest expense to average assets | 4.1660% | 810 |
| Loan and lease loss provision to assets | 1.1997% | 304 |
| Net operating income to assets | 0.3889% | 5,144 |
| Return on assets (ROA) | 0.3889% | 5,381 |
| Pretax return on assets | 0.3889% | 5,601 |
| Return on Equity (ROE) | 3.9078% | 5,181 |
| Retained earnings to average equity (ytd only) | 2.2520% | 4,655 |
| Net charge-offs to loans | 1.5111% | 584 |
| Credit loss provision to net charge-offs | 111.6564% | 2,612 |
| Earnings coverage of net charge-offs (x) | 1.4785% | 4,707 |
| Efficiency ratio | 72.3940% | 3,343 |
| Assets per employee ($millions) | 2.6853% | 6,438 |
| Cash dividends to net income (ytd only)* | 42.3729% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3736% | 1,276 |
| Loan loss allowance to noncurrent loans | 61.1872% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 3.5377% | 1,275 |
| Noncurrent loans to loans | 3.8792% | 1,246 |
| Net loans and leases to total assets | 68.4148% | 2,118 |
| Net loans and leases to deposits | 75.8637% | 2,822 |
| Net loans and leases to core deposits | 79.6632% | 3,053 |
| Total domestic deposits to total assets | 90.1812% | 860 |
| Equity capital to assets | 9.6450% | 4,667 |
| Core capital (leverage) ratio | 9.1706% | 4,628 |
| Tier 1 risk-based capital ratio | 14.4031% | 4,092 |
| Total risk-based capital ratio | 15.6702% | 4,037 |
| Memoranda: | ||
| Average total assets | $15,170,400 | 7,026 |
| Average earning assets | $14,082,200 | 7,010 |
| Average equity | $1,509,800 | 7,027 |
| Average total loans | $10,786,600 | 6,814 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8606% | 90 |
| Cost of funding earning assets | 1.0238% | 1,427 |
| Net interest margin | 5.8368% | 109 |
| Noninterest income to average assets | 0.4017% | 4,625 |
| Noninterest expense to average assets | 3.9548% | 994 |
| Loan and lease loss provision to assets | 0.8927% | 498 |
| Net operating income to assets | 0.9999% | 2,500 |
| Return on assets (ROA) | 0.9999% | 2,728 |
| Pretax return on assets | 0.9999% | 3,713 |
| Return on Equity (ROE) | 9.9636% | 2,364 |
| Retained earnings to average equity (ytd only) | 7.7398% | 1,734 |
| Net charge-offs to loans | 0.6879% | 1,601 |
| Credit loss provision to net charge-offs | 181.8182% | 1,528 |
| Earnings coverage of net charge-offs (x) | 3.8546% | 3,489 |
| Efficiency ratio | 67.6336% | 4,144 |
| Assets per employee ($millions) | 2.6083% | 6,592 |
| Cash dividends to net income (ytd only)* | 22.3197% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6599% | 1,019 |
| Loan loss allowance to noncurrent loans | 58.1028% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 3.7252% | 1,327 |
| Noncurrent loans to loans | 4.5779% | 1,025 |
| Net loans and leases to total assets | 68.7476% | 2,168 |
| Net loans and leases to deposits | 76.7349% | 2,866 |
| Net loans and leases to core deposits | 81.9421% | 2,970 |
| Total domestic deposits to total assets | 89.5911% | 1,076 |
| Equity capital to assets | 10.2109% | 4,188 |
| Core capital (leverage) ratio | 10.0000% | 3,541 |
| Tier 1 risk-based capital ratio | 15.1360% | 3,748 |
| Total risk-based capital ratio | 16.4107% | 3,684 |
| Memoranda: | ||
| Average total assets | $14,935,000 | 7,125 |
| Average earning assets | $13,934,250 | 7,104 |
| Average equity | $1,498,750 | 7,121 |
| Average total loans | $10,660,500 | 6,916 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7550% | 103 |
| Cost of funding earning assets | 1.0895% | 1,261 |
| Net interest margin | 5.6654% | 142 |
| Noninterest income to average assets | 0.3946% | 4,691 |
| Noninterest expense to average assets | 4.1914% | 736 |
| Loan and lease loss provision to assets | 1.3609% | 283 |
| Net operating income to assets | 0.1497% | 6,041 |
| Return on assets (ROA) | 0.1497% | 6,212 |
| Pretax return on assets | 0.1497% | 6,230 |
| Return on Equity (ROE) | 1.5010% | 6,193 |
| Retained earnings to average equity (ytd only) | -1.9104% | 6,351 |
| Net charge-offs to loans | 0.7028% | 1,578 |
| Credit loss provision to net charge-offs | 270.2703% | 1,070 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,549 |
| Efficiency ratio | 73.5084% | 3,157 |
| Assets per employee ($millions) | 2.4457% | 6,802 |
| Cash dividends to net income (ytd only)* | 227.2727% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9334% | 837 |
| Loan loss allowance to noncurrent loans | 52.6138% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 4.7158% | 1,028 |
| Noncurrent loans to loans | 5.5754% | 835 |
| Net loans and leases to total assets | 70.3557% | 1,861 |
| Net loans and leases to deposits | 78.4201% | 2,609 |
| Net loans and leases to core deposits | 84.1128% | 2,677 |
| Total domestic deposits to total assets | 89.7165% | 1,096 |
| Equity capital to assets | 10.0859% | 4,212 |
| Core capital (leverage) ratio | 9.3327% | 4,406 |
| Tier 1 risk-based capital ratio | 14.6578% | 3,991 |
| Total risk-based capital ratio | 15.9287% | 3,943 |
| Memoranda: | ||
| Average total assets | $14,696,670 | 7,189 |
| Average earning assets | $13,767,670 | 7,165 |
| Average equity | $1,465,670 | 7,180 |
| Average total loans | $10,529,670 | 6,980 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7151% | 129 |
| Cost of funding earning assets | 1.0999% | 1,408 |
| Net interest margin | 5.6153% | 157 |
| Noninterest income to average assets | 0.2992% | 5,485 |
| Noninterest expense to average assets | 3.2907% | 2,315 |
| Loan and lease loss provision to assets | 2.7196% | 85 |
| Net operating income to assets | -0.4351% | 6,791 |
| Return on assets (ROA) | -0.4351% | 6,824 |
| Pretax return on assets | -0.4351% | 6,799 |
| Return on Equity (ROE) | -4.3881% | 6,829 |
| Retained earnings to average equity (ytd only) | -4.3881% | 6,539 |
| Net charge-offs to loans | 1.4127% | 711 |
| Credit loss provision to net charge-offs | 270.2703% | 1,079 |
| Earnings coverage of net charge-offs (x) | 2.2703% | 3,262 |
| Efficiency ratio | 59.0244% | 5,770 |
| Assets per employee ($millions) | 2.4892% | 6,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0066% | 821 |
| Loan loss allowance to noncurrent loans | 46.4978% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 5.1557% | 993 |
| Noncurrent loans to loans | 6.4662% | 739 |
| Net loans and leases to total assets | 67.3920% | 2,216 |
| Net loans and leases to deposits | 74.7161% | 3,012 |
| Net loans and leases to core deposits | 80.6426% | 2,990 |
| Total domestic deposits to total assets | 90.1975% | 977 |
| Equity capital to assets | 9.5681% | 4,697 |
| Core capital (leverage) ratio | 9.3170% | 4,335 |
| Tier 1 risk-based capital ratio | 14.5415% | 4,071 |
| Total risk-based capital ratio | 15.8145% | 4,009 |
| Memoranda: | ||
| Average total assets | $14,708,000 | 7,252 |
| Average earning assets | $13,819,500 | 7,225 |
| Average equity | $1,458,500 | 7,237 |
| Average total loans | $10,476,500 | 7,043 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0273% | 91 |
| Cost of funding earning assets | 1.3223% | 1,380 |
| Net interest margin | 5.7050% | 127 |
| Noninterest income to average assets | 0.4545% | 4,185 |
| Noninterest expense to average assets | 3.7458% | 1,452 |
| Loan and lease loss provision to assets | 1.3083% | 626 |
| Net operating income to assets | 0.6886% | 3,544 |
| Return on assets (ROA) | 0.8194% | 3,121 |
| Pretax return on assets | 0.8194% | 3,915 |
| Return on Equity (ROE) | 8.1832% | 2,815 |
| Retained earnings to average equity (ytd only) | 6.4640% | 1,760 |
| Net charge-offs to loans | 2.2373% | 566 |
| Credit loss provision to net charge-offs | 78.1893% | 4,545 |
| Earnings coverage of net charge-offs (x) | 1.1934% | 4,892 |
| Efficiency ratio | 65.2278% | 4,916 |
| Assets per employee ($millions) | 2.4135% | 6,905 |
| Cash dividends to net income (ytd only)* | 21.0084% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3544% | 1,534 |
| Loan loss allowance to noncurrent loans | 55.3333% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 3.2802% | 1,817 |
| Noncurrent loans to loans | 4.2549% | 1,440 |
| Net loans and leases to total assets | 71.3141% | 1,768 |
| Net loans and leases to deposits | 79.6652% | 2,586 |
| Net loans and leases to core deposits | 86.2524% | 2,601 |
| Total domestic deposits to total assets | 89.5173% | 1,257 |
| Equity capital to assets | 10.2755% | 3,813 |
| Core capital (leverage) ratio | 9.5087% | 4,013 |
| Tier 1 risk-based capital ratio | 14.6111% | 3,894 |
| Total risk-based capital ratio | 15.8798% | 3,859 |
| Memoranda: | ||
| Average total assets | $14,523,000 | 7,291 |
| Average earning assets | $13,461,800 | 7,275 |
| Average equity | $1,454,200 | 7,294 |
| Average total loans | $10,861,200 | 7,088 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0592% | 93 |
| Cost of funding earning assets | 1.3702% | 1,374 |
| Net interest margin | 5.6890% | 137 |
| Noninterest income to average assets | 0.4770% | 4,066 |
| Noninterest expense to average assets | 3.3118% | 2,461 |
| Loan and lease loss provision to assets | 0.6055% | 1,624 |
| Net operating income to assets | 1.8164% | 504 |
| Return on assets (ROA) | 1.9908% | 382 |
| Pretax return on assets | 1.9908% | 638 |
| Return on Equity (ROE) | 20.0125% | 317 |
| Retained earnings to average equity (ytd only) | 17.7064% | 120 |
| Net charge-offs to loans | 2.1099% | 581 |
| Credit loss provision to net charge-offs | 38.1503% | 5,284 |
| Earnings coverage of net charge-offs (x) | 1.5260% | 4,495 |
| Efficiency ratio | 57.7600% | 6,053 |
| Assets per employee ($millions) | 2.4073% | 6,979 |
| Cash dividends to net income (ytd only)* | 11.5197% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8161% | 2,881 |
| Loan loss allowance to noncurrent loans | 48.9950% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 2.9286% | 2,201 |
| Noncurrent loans to loans | 3.7068% | 1,838 |
| Net loans and leases to total assets | 72.9853% | 1,511 |
| Net loans and leases to deposits | 82.2630% | 2,307 |
| Net loans and leases to core deposits | 89.1501% | 2,344 |
| Total domestic deposits to total assets | 88.7220% | 1,603 |
| Equity capital to assets | 11.0150% | 3,131 |
| Core capital (leverage) ratio | 10.1362% | 3,260 |
| Tier 1 risk-based capital ratio | 15.2775% | 3,508 |
| Total risk-based capital ratio | 16.5379% | 3,467 |
| Memoranda: | ||
| Average total assets | $14,533,500 | 7,368 |
| Average earning assets | $13,429,000 | 7,351 |
| Average equity | $1,445,750 | 7,370 |
| Average total loans | $10,932,500 | 7,153 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0392% | 99 |
| Cost of funding earning assets | 1.4137% | 1,357 |
| Net interest margin | 5.6255% | 145 |
| Noninterest income to average assets | 0.4807% | 4,022 |
| Noninterest expense to average assets | 2.9938% | 3,662 |
| Loan and lease loss provision to assets | 0.5631% | 1,719 |
| Net operating income to assets | 2.1698% | 272 |
| Return on assets (ROA) | 2.3758% | 206 |
| Pretax return on assets | 2.3758% | 297 |
| Return on Equity (ROE) | 24.7615% | 146 |
| Retained earnings to average equity (ytd only) | 21.1833% | 76 |
| Net charge-offs to loans | 1.0911% | 1,447 |
| Credit loss provision to net charge-offs | 68.3333% | 4,100 |
| Earnings coverage of net charge-offs (x) | 3.3167% | 3,212 |
| Efficiency ratio | 52.2782% | 6,767 |
| Assets per employee ($millions) | 2.9220% | 6,256 |
| Cash dividends to net income (ytd only)* | 14.4509% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6343% | 1,264 |
| Loan loss allowance to noncurrent loans | 83.9763% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 2.4778% | 2,695 |
| Noncurrent loans to loans | 3.1369% | 2,293 |
| Net loans and leases to total assets | 71.5948% | 1,862 |
| Net loans and leases to deposits | 79.9878% | 2,801 |
| Net loans and leases to core deposits | 86.5393% | 2,820 |
| Total domestic deposits to total assets | 89.5072% | 1,236 |
| Equity capital to assets | 10.2669% | 3,797 |
| Core capital (leverage) ratio | 9.8900% | 3,399 |
| Tier 1 risk-based capital ratio | 15.2046% | 3,393 |
| Total risk-based capital ratio | 16.4828% | 3,341 |
| Memoranda: | ||
| Average total assets | $14,563,330 | 7,442 |
| Average earning assets | $13,581,000 | 7,418 |
| Average equity | $1,397,330 | 7,446 |
| Average total loans | $10,997,670 | 7,220 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1618% | 96 |
| Cost of funding earning assets | 1.4557% | 1,355 |
| Net interest margin | 5.7062% | 122 |
| Noninterest income to average assets | 0.4952% | 3,932 |
| Noninterest expense to average assets | 2.3384% | 6,082 |
| Loan and lease loss provision to assets | 1.1279% | 641 |
| Net operating income to assets | 2.4209% | 195 |
| Return on assets (ROA) | 2.4209% | 201 |
| Pretax return on assets | 2.4209% | 276 |
| Return on Equity (ROE) | 26.1516% | 138 |
| Retained earnings to average equity (ytd only) | 18.7221% | 208 |
| Net charge-offs to loans | 1.0787% | 1,274 |
| Credit loss provision to net charge-offs | 136.6667% | 2,042 |
| Earnings coverage of net charge-offs (x) | 4.3000% | 2,517 |
| Efficiency ratio | 39.7196% | 7,394 |
| Assets per employee ($millions) | 2.9320% | 6,277 |
| Cash dividends to net income (ytd only)* | 28.4091% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8553% | 1,051 |
| Loan loss allowance to noncurrent loans | 62.3506% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 3.5948% | 1,893 |
| Noncurrent loans to loans | 4.5795% | 1,516 |
| Net loans and leases to total assets | 72.6398% | 1,583 |
| Net loans and leases to deposits | 80.4305% | 2,631 |
| Net loans and leases to core deposits | 86.9306% | 2,745 |
| Total domestic deposits to total assets | 90.3138% | 955 |
| Equity capital to assets | 9.3724% | 4,619 |
| Core capital (leverage) ratio | 9.2828% | 4,146 |
| Tier 1 risk-based capital ratio | 14.2093% | 3,935 |
| Total risk-based capital ratio | 15.4851% | 3,887 |
| Memoranda: | ||
| Average total assets | $14,540,000 | 7,501 |
| Average earning assets | $13,739,500 | 7,474 |
| Average equity | $1,346,000 | 7,507 |
| Average total loans | $11,125,000 | 7,266 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5156% | 79 |
| Cost of funding earning assets | 1.8879% | 885 |
| Net interest margin | 5.6277% | 143 |
| Noninterest income to average assets | 0.4592% | 4,445 |
| Noninterest expense to average assets | 3.2006% | 3,092 |
| Loan and lease loss provision to assets | 2.0257% | 647 |
| Net operating income to assets | 0.4929% | 4,132 |
| Return on assets (ROA) | 0.4929% | 4,290 |
| Pretax return on assets | 0.5064% | 4,598 |
| Return on Equity (ROE) | 5.2594% | 3,964 |
| Retained earnings to average equity (ytd only) | 3.4582% | 3,447 |
| Net charge-offs to loans | 2.1066% | 938 |
| Credit loss provision to net charge-offs | 126.0504% | 3,220 |
| Earnings coverage of net charge-offs (x) | 1.5756% | 4,556 |
| Efficiency ratio | 55.8304% | 6,615 |
| Assets per employee ($millions) | 2.8840% | 6,363 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6754% | 1,199 |
| Loan loss allowance to noncurrent loans | 62.3967% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 3.3564% | 2,089 |
| Noncurrent loans to loans | 4.2877% | 1,681 |
| Net loans and leases to total assets | 76.1859% | 1,239 |
| Net loans and leases to deposits | 84.1388% | 2,429 |
| Net loans and leases to core deposits | 91.0417% | 2,613 |
| Total domestic deposits to total assets | 90.5479% | 809 |
| Equity capital to assets | 9.1401% | 4,931 |
| Core capital (leverage) ratio | 8.7412% | 4,958 |
| Tier 1 risk-based capital ratio | 13.1721% | 4,470 |
| Total risk-based capital ratio | 14.4513% | 4,405 |
| Memoranda: | ||
| Average total assets | $14,809,800 | 7,571 |
| Average earning assets | $13,877,800 | 7,549 |
| Average equity | $1,388,000 | 7,599 |
| Average total loans | $11,297,600 | 7,336 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6932% | 74 |
| Cost of funding earning assets | 1.9424% | 898 |
| Net interest margin | 5.7508% | 125 |
| Noninterest income to average assets | 0.4651% | 4,450 |
| Noninterest expense to average assets | 2.6206% | 5,243 |
| Loan and lease loss provision to assets | 0.6976% | 2,201 |
| Net operating income to assets | 2.5222% | 131 |
| Return on assets (ROA) | 2.5222% | 138 |
| Pretax return on assets | 2.5222% | 219 |
| Return on Equity (ROE) | 26.7513% | 79 |
| Retained earnings to average equity (ytd only) | 24.3799% | 35 |
| Net charge-offs to loans | 0.9912% | 2,021 |
| Credit loss provision to net charge-offs | 92.8571% | 4,666 |
| Earnings coverage of net charge-offs (x) | 4.2856% | 3,120 |
| Efficiency ratio | 44.8698% | 7,431 |
| Assets per employee ($millions) | 2.9470% | 6,273 |
| Cash dividends to net income (ytd only)* | 8.8646% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0494% | 2,102 |
| Loan loss allowance to noncurrent loans | 54.1667% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 2.9318% | 2,475 |
| Noncurrent loans to loans | 3.7835% | 2,039 |
| Net loans and leases to total assets | 75.9009% | 1,422 |
| Net loans and leases to deposits | 86.1169% | 2,311 |
| Net loans and leases to core deposits | 91.7097% | 2,848 |
| Total domestic deposits to total assets | 88.1371% | 1,874 |
| Equity capital to assets | 10.3631% | 3,685 |
| Core capital (leverage) ratio | 10.0653% | 3,188 |
| Tier 1 risk-based capital ratio | 15.1398% | 3,186 |
| Total risk-based capital ratio | 16.3990% | 3,156 |
| Memoranda: | ||
| Average total assets | $14,907,250 | 7,669 |
| Average earning assets | $13,934,000 | 7,646 |
| Average equity | $1,405,500 | 7,695 |
| Average total loans | $11,300,000 | 7,435 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5924% | 85 |
| Cost of funding earning assets | 1.9552% | 1,027 |
| Net interest margin | 5.6372% | 144 |
| Noninterest income to average assets | 0.4811% | 4,276 |
| Noninterest expense to average assets | 2.3656% | 6,169 |
| Loan and lease loss provision to assets | 0.5747% | 2,476 |
| Net operating income to assets | 2.8200% | 100 |
| Return on assets (ROA) | 2.8200% | 102 |
| Pretax return on assets | 2.8200% | 151 |
| Return on Equity (ROE) | 30.9158% | 53 |
| Retained earnings to average equity (ytd only) | 27.2527% | 34 |
| Net charge-offs to loans | 0.9769% | 1,892 |
| Credit loss provision to net charge-offs | 78.1818% | 4,759 |
| Earnings coverage of net charge-offs (x) | 4.6182% | 2,895 |
| Efficiency ratio | 41.0673% | 7,624 |
| Assets per employee ($millions) | 3.7375% | 4,376 |
| Cash dividends to net income (ytd only)* | 11.8483% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9916% | 2,208 |
| Loan loss allowance to noncurrent loans | 108.5714% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.4047% | 4,364 |
| Noncurrent loans to loans | 1.8344% | 3,960 |
| Net loans and leases to total assets | 75.0502% | 1,681 |
| Net loans and leases to deposits | 83.4759% | 2,979 |
| Net loans and leases to core deposits | 88.7027% | 3,451 |
| Total domestic deposits to total assets | 89.9064% | 965 |
| Equity capital to assets | 9.7391% | 4,356 |
| Core capital (leverage) ratio | 9.7125% | 3,521 |
| Tier 1 risk-based capital ratio | 14.5600% | 3,408 |
| Total risk-based capital ratio | 15.8200% | 3,368 |
| Memoranda: | ||
| Average total assets | $14,964,670 | 7,731 |
| Average earning assets | $14,014,000 | 7,707 |
| Average equity | $1,365,000 | 7,764 |
| Average total loans | $11,260,670 | 7,491 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5866% | 96 |
| Cost of funding earning assets | 1.9890% | 1,132 |
| Net interest margin | 5.5976% | 155 |
| Noninterest income to average assets | 0.4275% | 4,679 |
| Noninterest expense to average assets | 2.3778% | 6,169 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.3129% | 70 |
| Return on assets (ROA) | 3.3129% | 76 |
| Pretax return on assets | 3.3129% | 109 |
| Return on Equity (ROE) | 37.5900% | 43 |
| Retained earnings to average equity (ytd only) | 30.0114% | 67 |
| Net charge-offs to loans | -0.0716% | 7,449 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7840% | 7,686 |
| Assets per employee ($millions) | 2.9622% | 6,303 |
| Cash dividends to net income (ytd only)* | 20.1613% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1346% | 1,878 |
| Loan loss allowance to noncurrent loans | 210.4348% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7764% | 5,595 |
| Noncurrent loans to loans | 1.0144% | 5,298 |
| Net loans and leases to total assets | 74.9105% | 1,760 |
| Net loans and leases to deposits | 82.9471% | 3,113 |
| Net loans and leases to core deposits | 86.8018% | 3,788 |
| Total domestic deposits to total assets | 90.3113% | 827 |
| Equity capital to assets | 9.2431% | 4,929 |
| Core capital (leverage) ratio | 9.0554% | 4,466 |
| Tier 1 risk-based capital ratio | 13.9779% | 3,664 |
| Total risk-based capital ratio | 15.2440% | 3,622 |
| Memoranda: | ||
| Average total assets | $14,972,000 | 7,834 |
| Average earning assets | $14,077,500 | 7,804 |
| Average equity | $1,319,500 | 7,854 |
| Average total loans | $11,167,000 | 7,584 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0555% | 77 |
| Cost of funding earning assets | 2.8253% | 406 |
| Net interest margin | 5.2302% | 274 |
| Noninterest income to average assets | 0.4864% | 4,516 |
| Noninterest expense to average assets | 2.8908% | 4,564 |
| Loan and lease loss provision to assets | 1.2467% | 1,852 |
| Net operating income to assets | 0.9385% | 2,056 |
| Return on assets (ROA) | 0.9385% | 2,114 |
| Pretax return on assets | 0.9522% | 2,753 |
| Return on Equity (ROE) | 10.9181% | 1,451 |
| Retained earnings to average equity (ytd only) | 7.6506% | 790 |
| Net charge-offs to loans | 1.1287% | 2,172 |
| Credit loss provision to net charge-offs | 150.4132% | 3,086 |
| Earnings coverage of net charge-offs (x) | 2.6529% | 3,789 |
| Efficiency ratio | 56.7968% | 6,914 |
| Assets per employee ($millions) | 3.0266% | 6,154 |
| Cash dividends to net income (ytd only)* | 29.9270% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1824% | 1,680 |
| Loan loss allowance to noncurrent loans | 170.2128% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.9317% | 5,241 |
| Noncurrent loans to loans | 1.2822% | 4,786 |
| Net loans and leases to total assets | 71.0831% | 2,973 |
| Net loans and leases to deposits | 77.9549% | 4,383 |
| Net loans and leases to core deposits | 96.8401% | 4,369 |
| Total domestic deposits to total assets | 91.1848% | 469 |
| Equity capital to assets | 8.3923% | 6,065 |
| Core capital (leverage) ratio | 8.4419% | 5,371 |
| Tier 1 risk-based capital ratio | 13.0484% | 4,112 |
| Total risk-based capital ratio | 14.3121% | 4,047 |
| Memoranda: | ||
| Average total assets | $14,598,000 | 7,903 |
| Average earning assets | $12,848,400 | 7,901 |
| Average equity | $1,254,800 | 7,953 |
| Average total loans | $10,720,600 | 7,668 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1799% | 75 |
| Cost of funding earning assets | 3.0209% | 312 |
| Net interest margin | 5.1590% | 322 |
| Noninterest income to average assets | 0.4793% | 4,673 |
| Noninterest expense to average assets | 2.2861% | 6,741 |
| Loan and lease loss provision to assets | 1.3643% | 1,413 |
| Net operating income to assets | 1.2998% | 1,217 |
| Return on assets (ROA) | 1.2998% | 1,296 |
| Pretax return on assets | 1.2998% | 1,952 |
| Return on Equity (ROE) | 15.0280% | 767 |
| Retained earnings to average equity (ytd only) | 10.6579% | 522 |
| Net charge-offs to loans | 1.1642% | 1,739 |
| Credit loss provision to net charge-offs | 159.1398% | 2,985 |
| Earnings coverage of net charge-offs (x) | 3.1074% | 3,683 |
| Efficiency ratio | 46.1825% | 7,761 |
| Assets per employee ($millions) | 2.9344% | 6,318 |
| Cash dividends to net income (ytd only)* | 29.0798% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1331% | 1,538 |
| Loan loss allowance to noncurrent loans | 186.5079% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.8588% | 5,371 |
| Noncurrent loans to loans | 1.1437% | 5,033 |
| Net loans and leases to total assets | 73.4869% | 2,665 |
| Net loans and leases to deposits | 80.9277% | 4,213 |
| Net loans and leases to core deposits | 98.7453% | 4,518 |
| Total domestic deposits to total assets | 90.8056% | 480 |
| Equity capital to assets | 8.6832% | 5,980 |
| Core capital (leverage) ratio | 8.4646% | 5,555 |
| Tier 1 risk-based capital ratio | 13.7255% | 3,697 |
| Total risk-based capital ratio | 14.9968% | 3,638 |
| Memoranda: | ||
| Average total assets | $14,464,250 | 7,988 |
| Average earning assets | $12,534,500 | 7,986 |
| Average equity | $1,251,000 | 8,038 |
| Average total loans | $10,651,500 | 7,748 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3061% | 72 |
| Cost of funding earning assets | 3.1897% | 270 |
| Net interest margin | 5.1164% | 347 |
| Noninterest income to average assets | 0.4446% | 4,895 |
| Noninterest expense to average assets | 2.0007% | 7,463 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.7371% | 80 |
| Return on assets (ROA) | 2.7371% | 89 |
| Pretax return on assets | 2.8343% | 125 |
| Return on Equity (ROE) | 31.6891% | 57 |
| Retained earnings to average equity (ytd only) | 25.2548% | 43 |
| Net charge-offs to loans | -0.2849% | 8,060 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3793% | 7,992 |
| Assets per employee ($millions) | 2.9670% | 6,216 |
| Cash dividends to net income (ytd only)* | 20.3046% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 2,077 |
| Loan loss allowance to noncurrent loans | 132.8767% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.9842% | 5,000 |
| Noncurrent loans to loans | 1.3469% | 4,519 |
| Net loans and leases to total assets | 71.7627% | 3,286 |
| Net loans and leases to deposits | 79.2939% | 4,658 |
| Net loans and leases to core deposits | 96.0744% | 4,898 |
| Total domestic deposits to total assets | 90.5022% | 630 |
| Equity capital to assets | 8.9720% | 5,353 |
| Core capital (leverage) ratio | 8.9672% | 4,687 |
| Tier 1 risk-based capital ratio | 14.1415% | 3,434 |
| Total risk-based capital ratio | 15.4059% | 3,366 |
| Memoranda: | ||
| Average total assets | $14,395,000 | 8,079 |
| Average earning assets | $12,352,330 | 8,078 |
| Average equity | $1,243,330 | 8,127 |
| Average total loans | $10,529,670 | 7,836 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4401% | 66 |
| Cost of funding earning assets | 3.3299% | 246 |
| Net interest margin | 5.1102% | 327 |
| Noninterest income to average assets | 0.3386% | 5,750 |
| Noninterest expense to average assets | 2.0600% | 7,215 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.5679% | 116 |
| Return on assets (ROA) | 2.5679% | 144 |
| Pretax return on assets | 2.6526% | 193 |
| Return on Equity (ROE) | 30.3460% | 101 |
| Retained earnings to average equity (ytd only) | 17.0071% | 269 |
| Net charge-offs to loans | -0.3084% | 8,069 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7126% | 7,941 |
| Assets per employee ($millions) | 2.8828% | 6,452 |
| Cash dividends to net income (ytd only)* | 43.9560% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8045% | 1,841 |
| Loan loss allowance to noncurrent loans | 79.9145% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.6234% | 3,480 |
| Noncurrent loans to loans | 2.2580% | 2,918 |
| Net loans and leases to total assets | 70.5980% | 3,551 |
| Net loans and leases to deposits | 77.6972% | 4,973 |
| Net loans and leases to core deposits | 94.5373% | 5,109 |
| Total domestic deposits to total assets | 90.8630% | 460 |
| Equity capital to assets | 8.4987% | 6,072 |
| Core capital (leverage) ratio | 8.3663% | 5,778 |
| Tier 1 risk-based capital ratio | 13.4232% | 3,915 |
| Total risk-based capital ratio | 14.6833% | 3,827 |
| Memoranda: | ||
| Average total assets | $14,175,000 | 8,137 |
| Average earning assets | $12,132,500 | 8,134 |
| Average equity | $1,199,500 | 8,187 |
| Average total loans | $10,374,500 | 7,893 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2587% | 137 |
| Cost of funding earning assets | 3.3329% | 847 |
| Net interest margin | 4.9258% | 605 |
| Noninterest income to average assets | 0.4496% | 5,039 |
| Noninterest expense to average assets | 2.8345% | 4,671 |
| Loan and lease loss provision to assets | 1.8668% | 671 |
| Net operating income to assets | 0.3276% | 5,456 |
| Return on assets (ROA) | 0.3276% | 5,278 |
| Pretax return on assets | 0.3429% | 5,409 |
| Return on Equity (ROE) | 3.4111% | 5,079 |
| Retained earnings to average equity (ytd only) | -4.3630% | 6,391 |
| Net charge-offs to loans | 1.6001% | 711 |
| Credit loss provision to net charge-offs | 159.0909% | 3,249 |
| Earnings coverage of net charge-offs (x) | 1.8831% | 5,126 |
| Efficiency ratio | 56.1934% | 6,978 |
| Assets per employee ($millions) | 2.7872% | 6,584 |
| Cash dividends to net income (ytd only)* | 227.9070% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 1,837 |
| Loan loss allowance to noncurrent loans | 68.0608% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 1.8872% | 2,606 |
| Noncurrent loans to loans | 2.5323% | 2,148 |
| Net loans and leases to total assets | 73.2420% | 3,299 |
| Net loans and leases to deposits | 80.5159% | 4,955 |
| Net loans and leases to core deposits | 94.9135% | 5,361 |
| Total domestic deposits to total assets | 90.9658% | 340 |
| Equity capital to assets | 8.4242% | 6,215 |
| Core capital (leverage) ratio | 8.2863% | 5,977 |
| Tier 1 risk-based capital ratio | 13.1232% | 4,048 |
| Total risk-based capital ratio | 14.3863% | 3,948 |
| Memoranda: | ||
| Average total assets | $13,123,800 | 8,201 |
| Average earning assets | $12,241,600 | 8,182 |
| Average equity | $1,260,600 | 8,243 |
| Average total loans | $9,624,400 | 7,959 |