Home > COMMUNITY STATE BANK > Performance and Condition Ratios
COMMUNITY 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 | 6.4425% | 372 |
| Cost of funding earning assets | 1.7926% | 1,261 |
| Net interest margin | 4.6500% | 501 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 3.2528% | 778 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.0833% | 1,966 |
| Return on assets (ROA) | 1.0833% | 1,939 |
| Pretax return on assets | 1.5060% | 1,398 |
| Return on Equity (ROE) | 7.9800% | 3,027 |
| Retained earnings to average equity (ytd only) | 6.4859% | 2,065 |
| Net charge-offs to loans | 0.0290% | 1,719 |
| Credit loss provision to net charge-offs | 562.5000% | 620 |
| Earnings coverage of net charge-offs (x) | 69.7500% | 1,093 |
| Efficiency ratio | 66.5066% | 2,286 |
| Assets per employee ($millions) | 4.3514% | 4,021 |
| Cash dividends to net income (ytd only)* | 18.6992% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 3,375 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.8600% | 654 |
| Net loans and leases to deposits | 94.6838% | 890 |
| Net loans and leases to core deposits | 107.3672% | 1,057 |
| Total domestic deposits to total assets | 84.3400% | 2,524 |
| Equity capital to assets | 15.3359% | 523 |
| Core capital (leverage) ratio | 15.2559% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2999% | 664 |
| Memoranda: | ||
| Average total assets | $34,063,400 | 4,440 |
| Average earning assets | $31,742,200 | 4,403 |
| Average equity | $4,625,400 | 4,293 |
| Average total loans | $27,603,000 | 4,176 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1998% | 422 |
| Cost of funding earning assets | 1.5456% | 1,492 |
| Net interest margin | 4.6542% | 489 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 3.2084% | 812 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1996% | 1,803 |
| Return on assets (ROA) | 1.1996% | 1,790 |
| Pretax return on assets | 1.6469% | 1,268 |
| Return on Equity (ROE) | 9.1900% | 2,876 |
| Retained earnings to average equity (ytd only) | 7.0399% | 2,269 |
| Net charge-offs to loans | 0.0251% | 1,579 |
| Credit loss provision to net charge-offs | 360.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 84.6000% | 1,014 |
| Efficiency ratio | 65.0990% | 2,378 |
| Assets per employee ($millions) | 4.6541% | 3,848 |
| Cash dividends to net income (ytd only)* | 23.3898% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 3,407 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 77.0500% | 988 |
| Net loans and leases to deposits | 91.9932% | 1,051 |
| Net loans and leases to core deposits | 99.7427% | 1,328 |
| Total domestic deposits to total assets | 83.7600% | 2,843 |
| Equity capital to assets | 15.9214% | 451 |
| Core capital (leverage) ratio | 16.5366% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $32,788,500 | 4,469 |
| Average earning assets | $30,710,000 | 4,438 |
| Average equity | $4,280,250 | 4,335 |
| Average total loans | $26,607,000 | 4,206 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0812% | 406 |
| Cost of funding earning assets | 1.4096% | 1,424 |
| Net interest margin | 4.6715% | 480 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 3.5136% | 532 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0221% | 2,351 |
| Return on assets (ROA) | 1.0221% | 2,340 |
| Pretax return on assets | 1.4054% | 1,799 |
| Return on Equity (ROE) | 8.5800% | 3,093 |
| Retained earnings to average equity (ytd only) | 4.8780% | 2,969 |
| Net charge-offs to loans | 0.0077% | 1,935 |
| Credit loss provision to net charge-offs | 900.0000% | 440 |
| Earnings coverage of net charge-offs (x) | 229.0000% | 540 |
| Efficiency ratio | 70.6033% | 1,709 |
| Assets per employee ($millions) | 4.8397% | 3,725 |
| Cash dividends to net income (ytd only)* | 43.1250% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 3,273 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 3,728 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 79.9300% | 633 |
| Net loans and leases to deposits | 90.3778% | 1,160 |
| Net loans and leases to core deposits | 96.5246% | 1,435 |
| Total domestic deposits to total assets | 88.4400% | 1,449 |
| Equity capital to assets | 11.1724% | 1,313 |
| Core capital (leverage) ratio | 10.7496% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $31,307,000 | 4,503 |
| Average earning assets | $29,369,333 | 4,474 |
| Average equity | $3,731,000 | 4,413 |
| Average total loans | $25,817,000 | 4,233 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7629% | 438 |
| Cost of funding earning assets | 1.1497% | 1,598 |
| Net interest margin | 4.6131% | 500 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 3.6107% | 478 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9327% | 2,747 |
| Return on assets (ROA) | 0.9327% | 2,702 |
| Pretax return on assets | 1.2791% | 2,230 |
| Return on Equity (ROE) | 7.5600% | 3,396 |
| Retained earnings to average equity (ytd only) | 0.1080% | 4,003 |
| Net charge-offs to loans | 0.0160% | 1,376 |
| Credit loss provision to net charge-offs | 300.0000% | 691 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 795 |
| Efficiency ratio | 73.2432% | 1,414 |
| Assets per employee ($millions) | 4.3560% | 4,095 |
| Cash dividends to net income (ytd only)* | 98.5714% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,278 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 85.3200% | 169 |
| Net loans and leases to deposits | 97.4273% | 571 |
| Net loans and leases to core deposits | 105.3621% | 863 |
| Total domestic deposits to total assets | 87.5700% | 2,070 |
| Equity capital to assets | 12.1540% | 950 |
| Core capital (leverage) ratio | 11.3185% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5918% | 1,468 |
| Memoranda: | ||
| Average total assets | $30,021,500 | 4,574 |
| Average earning assets | $28,180,500 | 4,547 |
| Average equity | $3,704,000 | 4,482 |
| Average total loans | $25,044,500 | 4,307 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 307 |
| Cost of funding earning assets | 0.5381% | 1,171 |
| Net interest margin | 4.4476% | 324 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.9902% | 979 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.7674% | 473 |
| Return on assets (ROA) | 1.7674% | 453 |
| Pretax return on assets | 1.7674% | 788 |
| Return on Equity (ROE) | 14.2300% | 1,482 |
| Retained earnings to average equity (ytd only) | 3.1427% | 3,680 |
| Net charge-offs to loans | -0.0085% | 3,762 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.7397% | 2,800 |
| Assets per employee ($millions) | 4.2216% | 4,190 |
| Cash dividends to net income (ytd only)* | 77.9070% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 2,615 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 79.5900% | 639 |
| Net loans and leases to deposits | 91.1596% | 969 |
| Net loans and leases to core deposits | 98.8610% | 1,059 |
| Total domestic deposits to total assets | 87.3100% | 2,290 |
| Equity capital to assets | 12.5275% | 797 |
| Core capital (leverage) ratio | 11.7736% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6444% | 1,201 |
| Memoranda: | ||
| Average total assets | $29,195,000 | 4,613 |
| Average earning assets | $27,318,400 | 4,582 |
| Average equity | $3,627,400 | 4,556 |
| Average total loans | $23,438,600 | 4,351 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 254 |
| Cost of funding earning assets | 0.4508% | 978 |
| Net interest margin | 4.4252% | 268 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.9455% | 981 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.7453% | 479 |
| Return on assets (ROA) | 1.7453% | 466 |
| Pretax return on assets | 1.7453% | 818 |
| Return on Equity (ROE) | 14.0800% | 1,410 |
| Retained earnings to average equity (ytd only) | 3.4730% | 3,637 |
| Net charge-offs to loans | -0.0114% | 3,756 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.2965% | 2,934 |
| Assets per employee ($millions) | 4.0846% | 4,280 |
| Cash dividends to net income (ytd only)* | 75.3281% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 2,437 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 77.7500% | 730 |
| Net loans and leases to deposits | 89.3844% | 936 |
| Net loans and leases to core deposits | 97.2185% | 943 |
| Total domestic deposits to total assets | 86.9800% | 2,768 |
| Equity capital to assets | 12.8707% | 696 |
| Core capital (leverage) ratio | 12.3657% | 1,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5328% | 1,082 |
| Memoranda: | ||
| Average total assets | $29,106,000 | 4,651 |
| Average earning assets | $27,207,250 | 4,619 |
| Average equity | $3,608,750 | 4,605 |
| Average total loans | $23,349,250 | 4,387 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7968% | 224 |
| Cost of funding earning assets | 0.3797% | 1,045 |
| Net interest margin | 4.4171% | 219 |
| Noninterest income to average assets | 0.6763% | 1,440 |
| Noninterest expense to average assets | 2.8759% | 1,032 |
| Loan and lease loss provision to assets | 0.0683% | 1,391 |
| Net operating income to assets | 1.8649% | 292 |
| Return on assets (ROA) | 1.8649% | 285 |
| Pretax return on assets | 1.8649% | 503 |
| Return on Equity (ROE) | 15.2301% | 848 |
| Retained earnings to average equity (ytd only) | 1.2831% | 3,928 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8011% | 3,326 |
| Assets per employee ($millions) | 4.2795% | 4,217 |
| Cash dividends to net income (ytd only)* | 91.5751% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 3,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 87.5024% | 56 |
| Net loans and leases to deposits | 101.9975% | 207 |
| Net loans and leases to core deposits | 112.1941% | 317 |
| Total domestic deposits to total assets | 85.7888% | 3,301 |
| Equity capital to assets | 14.0787% | 500 |
| Core capital (leverage) ratio | 12.0089% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2670% | 1,131 |
| Memoranda: | ||
| Average total assets | $29,277,333 | 4,685 |
| Average earning assets | $27,393,333 | 4,664 |
| Average equity | $3,585,000 | 4,646 |
| Average total loans | $23,631,333 | 4,439 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4790% | 322 |
| Cost of funding earning assets | 0.3972% | 888 |
| Net interest margin | 4.0818% | 351 |
| Noninterest income to average assets | 0.5663% | 1,839 |
| Noninterest expense to average assets | 2.7158% | 1,322 |
| Loan and lease loss provision to assets | 0.0644% | 1,262 |
| Net operating income to assets | 1.6218% | 484 |
| Return on assets (ROA) | 1.6218% | 482 |
| Pretax return on assets | 1.6218% | 796 |
| Return on Equity (ROE) | 14.1176% | 814 |
| Retained earnings to average equity (ytd only) | -8.8515% | 4,544 |
| Net charge-offs to loans | -0.1329% | 4,526 |
| Credit loss provision to net charge-offs | -62.5000% | 2,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6959% | 3,303 |
| Assets per employee ($millions) | 4.2709% | 4,267 |
| Cash dividends to net income (ytd only)* | 162.6984% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 3,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 78.9571% | 297 |
| Net loans and leases to deposits | 89.6097% | 530 |
| Net loans and leases to core deposits | 110.2368% | 254 |
| Total domestic deposits to total assets | 88.1121% | 2,476 |
| Equity capital to assets | 11.7775% | 1,029 |
| Core capital (leverage) ratio | 10.1588% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8929% | 1,541 |
| Memoranda: | ||
| Average total assets | $31,077,500 | 4,696 |
| Average earning assets | $29,203,000 | 4,682 |
| Average equity | $3,570,000 | 4,683 |
| Average total loans | $24,084,500 | 4,451 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8095% | 96 |
| Cost of funding earning assets | 0.4594% | 1,134 |
| Net interest margin | 5.3501% | 97 |
| Noninterest income to average assets | 0.5629% | 2,308 |
| Noninterest expense to average assets | 3.1341% | 807 |
| Loan and lease loss provision to assets | 0.2631% | 337 |
| Net operating income to assets | 2.2082% | 240 |
| Return on assets (ROA) | 2.2082% | 251 |
| Pretax return on assets | 2.2082% | 403 |
| Return on Equity (ROE) | 19.5299% | 338 |
| Retained earnings to average equity (ytd only) | 13.9036% | 316 |
| Net charge-offs to loans | 0.1866% | 520 |
| Credit loss provision to net charge-offs | 175.5556% | 1,385 |
| Earnings coverage of net charge-offs (x) | 16.4889% | 1,971 |
| Efficiency ratio | 55.9121% | 3,715 |
| Assets per employee ($millions) | 4.6084% | 4,026 |
| Cash dividends to net income (ytd only)* | 28.8084% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 3,674 |
| Loan loss allowance to noncurrent loans | 262.7660% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 2,083 |
| Noncurrent loans to loans | 0.3868% | 2,199 |
| Net loans and leases to total assets | 74.5745% | 617 |
| Net loans and leases to deposits | 84.1066% | 902 |
| Net loans and leases to core deposits | 102.7331% | 443 |
| Total domestic deposits to total assets | 88.6667% | 1,691 |
| Equity capital to assets | 11.2186% | 1,653 |
| Core capital (leverage) ratio | 10.0261% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3064% | 1,738 |
| Memoranda: | ||
| Average total assets | $30,024,600 | 4,745 |
| Average earning assets | $28,298,600 | 4,724 |
| Average equity | $3,394,800 | 4,747 |
| Average total loans | $24,119,200 | 4,497 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7283% | 117 |
| Cost of funding earning assets | 0.4746% | 1,184 |
| Net interest margin | 5.2537% | 111 |
| Noninterest income to average assets | 0.6109% | 2,170 |
| Noninterest expense to average assets | 3.0045% | 964 |
| Loan and lease loss provision to assets | 0.2443% | 385 |
| Net operating income to assets | 2.3213% | 269 |
| Return on assets (ROA) | 2.3213% | 276 |
| Pretax return on assets | 2.3213% | 452 |
| Return on Equity (ROE) | 20.4862% | 392 |
| Retained earnings to average equity (ytd only) | 14.8156% | 424 |
| Net charge-offs to loans | 0.0111% | 1,918 |
| Credit loss provision to net charge-offs | 2,700.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 283.5000% | 452 |
| Efficiency ratio | 53.9399% | 3,820 |
| Assets per employee ($millions) | 4.3710% | 4,209 |
| Cash dividends to net income (ytd only)* | 27.6803% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 3,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 80.2628% | 274 |
| Net loans and leases to deposits | 90.8244% | 558 |
| Net loans and leases to core deposits | 108.5916% | 356 |
| Total domestic deposits to total assets | 88.3714% | 1,636 |
| Equity capital to assets | 11.5142% | 1,663 |
| Core capital (leverage) ratio | 10.2003% | 2,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,466,000 | 4,817 |
| Average earning assets | $27,814,500 | 4,798 |
| Average equity | $3,338,750 | 4,824 |
| Average total loans | $24,073,000 | 4,555 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1308% | 84 |
| Cost of funding earning assets | 0.4861% | 1,284 |
| Net interest margin | 5.6447% | 80 |
| Noninterest income to average assets | 0.5638% | 2,356 |
| Noninterest expense to average assets | 3.0733% | 874 |
| Loan and lease loss provision to assets | 0.3369% | 229 |
| Net operating income to assets | 2.5027% | 216 |
| Return on assets (ROA) | 2.5027% | 233 |
| Pretax return on assets | 2.5027% | 356 |
| Return on Equity (ROE) | 22.2132% | 303 |
| Retained earnings to average equity (ytd only) | 15.8055% | 350 |
| Net charge-offs to loans | 0.0504% | 1,119 |
| Credit loss provision to net charge-offs | 816.6667% | 535 |
| Earnings coverage of net charge-offs (x) | 68.8333% | 906 |
| Efficiency ratio | 51.9767% | 4,046 |
| Assets per employee ($millions) | 4.2959% | 4,259 |
| Cash dividends to net income (ytd only)* | 28.8462% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 84.3803% | 123 |
| Net loans and leases to deposits | 95.3229% | 407 |
| Net loans and leases to core deposits | 114.2973% | 286 |
| Total domestic deposits to total assets | 88.5205% | 1,551 |
| Equity capital to assets | 11.3498% | 1,730 |
| Core capital (leverage) ratio | 10.0620% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,089,000 | 4,854 |
| Average earning assets | $27,565,667 | 4,833 |
| Average equity | $3,277,333 | 4,859 |
| Average total loans | $23,823,000 | 4,596 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0525% | 102 |
| Cost of funding earning assets | 0.5179% | 1,281 |
| Net interest margin | 5.5346% | 100 |
| Noninterest income to average assets | 0.6154% | 2,149 |
| Noninterest expense to average assets | 2.9513% | 1,063 |
| Loan and lease loss provision to assets | 0.3916% | 201 |
| Net operating income to assets | 2.5037% | 264 |
| Return on assets (ROA) | 2.5037% | 290 |
| Pretax return on assets | 2.5037% | 434 |
| Return on Equity (ROE) | 22.3088% | 373 |
| Retained earnings to average equity (ytd only) | 12.3384% | 1,064 |
| Net charge-offs to loans | 0.0349% | 1,126 |
| Credit loss provision to net charge-offs | 1,400.0000% | 334 |
| Earnings coverage of net charge-offs (x) | 103.5000% | 606 |
| Efficiency ratio | 50.4785% | 4,148 |
| Assets per employee ($millions) | 4.2317% | 4,324 |
| Cash dividends to net income (ytd only)* | 44.6927% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9822% | 3,910 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 81.6792% | 241 |
| Net loans and leases to deposits | 91.8774% | 601 |
| Net loans and leases to core deposits | 107.0860% | 478 |
| Total domestic deposits to total assets | 88.9001% | 1,391 |
| Equity capital to assets | 10.9918% | 1,869 |
| Core capital (leverage) ratio | 10.3538% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7556% | 2,393 |
| Memoranda: | ||
| Average total assets | $28,598,000 | 4,881 |
| Average earning assets | $27,030,000 | 4,859 |
| Average equity | $3,209,500 | 4,885 |
| Average total loans | $22,919,500 | 4,638 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3366% | 244 |
| Cost of funding earning assets | 0.7150% | 1,645 |
| Net interest margin | 4.6216% | 256 |
| Noninterest income to average assets | 0.7159% | 1,808 |
| Noninterest expense to average assets | 3.2314% | 1,003 |
| Loan and lease loss provision to assets | 0.1941% | 2,015 |
| Net operating income to assets | 1.6299% | 602 |
| Return on assets (ROA) | 1.6299% | 647 |
| Pretax return on assets | 1.6299% | 1,003 |
| Return on Equity (ROE) | 13.5526% | 910 |
| Retained earnings to average equity (ytd only) | 11.9048% | 325 |
| Net charge-offs to loans | 0.0219% | 2,617 |
| Credit loss provision to net charge-offs | 1,200.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 112.7500% | 735 |
| Efficiency ratio | 63.9200% | 2,838 |
| Assets per employee ($millions) | 3.9391% | 4,416 |
| Cash dividends to net income (ytd only)* | 12.1588% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 3,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 76.8514% | 709 |
| Net loans and leases to deposits | 86.9588% | 1,178 |
| Net loans and leases to core deposits | 101.3923% | 839 |
| Total domestic deposits to total assets | 88.3767% | 1,289 |
| Equity capital to assets | 11.4710% | 1,906 |
| Core capital (leverage) ratio | 10.0565% | 2,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4369% | 1,701 |
| Memoranda: | ||
| Average total assets | $24,725,800 | 4,915 |
| Average earning assets | $23,217,000 | 4,897 |
| Average equity | $2,973,600 | 4,911 |
| Average total loans | $18,279,000 | 4,747 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5686% | 201 |
| Cost of funding earning assets | 0.7456% | 1,772 |
| Net interest margin | 4.8230% | 193 |
| Noninterest income to average assets | 0.7607% | 1,618 |
| Noninterest expense to average assets | 3.3091% | 896 |
| Loan and lease loss provision to assets | 0.1832% | 2,152 |
| Net operating income to assets | 1.7934% | 454 |
| Return on assets (ROA) | 1.7934% | 512 |
| Pretax return on assets | 1.7934% | 789 |
| Return on Equity (ROE) | 14.7170% | 741 |
| Retained earnings to average equity (ytd only) | 12.9400% | 334 |
| Net charge-offs to loans | 0.0305% | 2,223 |
| Credit loss provision to net charge-offs | 825.0000% | 961 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 856 |
| Efficiency ratio | 62.6050% | 2,972 |
| Assets per employee ($millions) | 3.9530% | 4,349 |
| Cash dividends to net income (ytd only)* | 12.0743% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 70.8901% | 1,836 |
| Net loans and leases to deposits | 79.9576% | 2,318 |
| Net loans and leases to core deposits | 95.3946% | 1,513 |
| Total domestic deposits to total assets | 88.6596% | 914 |
| Equity capital to assets | 11.1742% | 2,260 |
| Core capital (leverage) ratio | 9.9766% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2005% | 1,764 |
| Memoranda: | ||
| Average total assets | $24,013,750 | 4,955 |
| Average earning assets | $22,530,500 | 4,935 |
| Average equity | $2,926,250 | 4,938 |
| Average total loans | $17,497,750 | 4,792 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9621% | 152 |
| Cost of funding earning assets | 0.7687% | 2,001 |
| Net interest margin | 5.1934% | 143 |
| Noninterest income to average assets | 0.6580% | 1,905 |
| Noninterest expense to average assets | 3.4219% | 828 |
| Loan and lease loss provision to assets | 0.2895% | 1,483 |
| Net operating income to assets | 1.8074% | 492 |
| Return on assets (ROA) | 1.8074% | 542 |
| Pretax return on assets | 1.8074% | 803 |
| Return on Equity (ROE) | 14.3504% | 816 |
| Retained earnings to average equity (ytd only) | 12.2605% | 430 |
| Net charge-offs to loans | 0.0120% | 2,533 |
| Credit loss provision to net charge-offs | 3,300.0000% | 335 |
| Earnings coverage of net charge-offs (x) | 239.0000% | 384 |
| Efficiency ratio | 62.0032% | 3,124 |
| Assets per employee ($millions) | 3.7090% | 4,541 |
| Cash dividends to net income (ytd only)* | 14.5631% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,584 |
| Loan loss allowance to noncurrent loans | 6,700.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 1,534 |
| Noncurrent loans to loans | 0.0149% | 4,450 |
| Net loans and leases to total assets | 76.7631% | 1,029 |
| Net loans and leases to deposits | 86.8826% | 1,672 |
| Net loans and leases to core deposits | 104.1547% | 990 |
| Total domestic deposits to total assets | 88.3527% | 1,017 |
| Equity capital to assets | 11.4817% | 1,986 |
| Core capital (leverage) ratio | 10.9537% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,794,667 | 4,994 |
| Average earning assets | $21,334,667 | 4,975 |
| Average equity | $2,871,000 | 4,973 |
| Average total loans | $16,725,667 | 4,834 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4634% | 404 |
| Cost of funding earning assets | 0.7633% | 2,590 |
| Net interest margin | 4.7001% | 327 |
| Noninterest income to average assets | 0.8109% | 1,278 |
| Noninterest expense to average assets | 3.5454% | 870 |
| Loan and lease loss provision to assets | 0.2829% | 1,099 |
| Net operating income to assets | 1.3955% | 992 |
| Return on assets (ROA) | 1.3955% | 1,070 |
| Pretax return on assets | 1.3955% | 1,574 |
| Return on Equity (ROE) | 10.5114% | 1,569 |
| Retained earnings to average equity (ytd only) | 7.9545% | 1,244 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8700% | 2,694 |
| Assets per employee ($millions) | 3.6388% | 4,340 |
| Cash dividends to net income (ytd only)* | 24.3243% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 2,967 |
| Loan loss allowance to noncurrent loans | 89.7561% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 1,419 |
| Noncurrent loans to loans | 1.2749% | 1,283 |
| Net loans and leases to total assets | 72.8072% | 1,801 |
| Net loans and leases to deposits | 83.9326% | 2,238 |
| Net loans and leases to core deposits | 90.4878% | 2,297 |
| Total domestic deposits to total assets | 86.7448% | 1,670 |
| Equity capital to assets | 13.0628% | 1,400 |
| Core capital (leverage) ratio | 11.4314% | 2,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,210,500 | 5,049 |
| Average earning assets | $19,914,500 | 5,032 |
| Average equity | $2,816,000 | 5,021 |
| Average total loans | $15,023,000 | 4,902 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0408% | 1,365 |
| Cost of funding earning assets | 0.7888% | 2,732 |
| Net interest margin | 4.2520% | 1,201 |
| Noninterest income to average assets | 0.8539% | 1,290 |
| Noninterest expense to average assets | 3.2656% | 1,372 |
| Loan and lease loss provision to assets | 0.0150% | 3,716 |
| Net operating income to assets | 1.5030% | 1,046 |
| Return on assets (ROA) | 1.0536% | 2,736 |
| Pretax return on assets | 1.0536% | 3,318 |
| Return on Equity (ROE) | 7.4770% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.4770% | 1,180 |
| Net charge-offs to loans | -0.0562% | 4,842 |
| Credit loss provision to net charge-offs | -42.8571% | 4,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2672% | 2,421 |
| Assets per employee ($millions) | 3.4313% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,380 |
| Loan loss allowance to noncurrent loans | 80.4762% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0200% | 1,220 |
| Noncurrent loans to loans | 1.5037% | 960 |
| Net loans and leases to total assets | 67.0148% | 2,826 |
| Net loans and leases to deposits | 77.6902% | 3,038 |
| Net loans and leases to core deposits | 84.1640% | 2,933 |
| Total domestic deposits to total assets | 86.2590% | 1,953 |
| Equity capital to assets | 13.5030% | 1,273 |
| Core capital (leverage) ratio | 10.9648% | 2,529 |
| Tier 1 risk-based capital ratio | 17.1439% | 2,012 |
| Total risk-based capital ratio | 18.3476% | 1,955 |
| Memoranda: | ||
| Average total assets | $20,026,800 | 5,116 |
| Average earning assets | $18,508,800 | 5,104 |
| Average equity | $2,822,000 | 5,081 |
| Average total loans | $12,448,000 | 5,020 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9791% | 1,595 |
| Cost of funding earning assets | 0.7727% | 2,857 |
| Net interest margin | 4.2064% | 1,366 |
| Noninterest income to average assets | 0.8179% | 1,366 |
| Noninterest expense to average assets | 3.2919% | 1,287 |
| Loan and lease loss provision to assets | 0.0201% | 3,504 |
| Net operating income to assets | 1.3745% | 1,555 |
| Return on assets (ROA) | 0.7710% | 3,839 |
| Pretax return on assets | 0.7710% | 4,192 |
| Return on Equity (ROE) | 5.4132% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.4132% | 2,669 |
| Net charge-offs to loans | -0.0773% | 4,939 |
| Credit loss provision to net charge-offs | -42.8571% | 4,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2432% | 2,084 |
| Assets per employee ($millions) | 3.7618% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 1,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 55.0618% | 4,099 |
| Net loans and leases to deposits | 63.3661% | 4,216 |
| Net loans and leases to core deposits | 67.1675% | 4,207 |
| Total domestic deposits to total assets | 86.8947% | 1,574 |
| Equity capital to assets | 12.9059% | 1,683 |
| Core capital (leverage) ratio | 10.9814% | 2,662 |
| Tier 1 risk-based capital ratio | 17.5828% | 1,925 |
| Total risk-based capital ratio | 18.8315% | 1,888 |
| Memoranda: | ||
| Average total assets | $19,886,500 | 5,195 |
| Average earning assets | $18,289,250 | 5,182 |
| Average equity | $2,832,500 | 5,156 |
| Average total loans | $12,068,500 | 5,106 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1487% | 1,111 |
| Cost of funding earning assets | 0.7815% | 2,739 |
| Net interest margin | 4.3672% | 1,003 |
| Noninterest income to average assets | 0.8109% | 1,314 |
| Noninterest expense to average assets | 3.3910% | 1,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4217% | 1,373 |
| Return on assets (ROA) | 0.4739% | 4,614 |
| Pretax return on assets | 0.4739% | 4,732 |
| Return on Equity (ROE) | 3.2078% | 4,749 |
| Retained earnings to average equity (ytd only) | 3.2078% | 3,622 |
| Net charge-offs to loans | -0.1177% | 5,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4595% | 2,156 |
| Assets per employee ($millions) | 3.5182% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 1,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 57.8426% | 3,933 |
| Net loans and leases to deposits | 67.0327% | 4,024 |
| Net loans and leases to core deposits | 71.3618% | 4,043 |
| Total domestic deposits to total assets | 86.2902% | 1,897 |
| Equity capital to assets | 13.4682% | 1,334 |
| Core capital (leverage) ratio | 10.7877% | 2,799 |
| Tier 1 risk-based capital ratio | 18.3031% | 1,723 |
| Total risk-based capital ratio | 19.5526% | 1,684 |
| Memoranda: | ||
| Average total assets | $18,991,670 | 5,249 |
| Average earning assets | $17,402,330 | 5,239 |
| Average equity | $2,805,670 | 5,199 |
| Average total loans | $11,892,670 | 5,153 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0923% | 1,110 |
| Cost of funding earning assets | 0.7100% | 3,002 |
| Net interest margin | 4.3823% | 938 |
| Noninterest income to average assets | 0.9591% | 899 |
| Noninterest expense to average assets | 3.5465% | 910 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4052% | 1,361 |
| Return on assets (ROA) | 1.4052% | 1,388 |
| Pretax return on assets | 1.4052% | 2,068 |
| Return on Equity (ROE) | 9.0420% | 2,791 |
| Retained earnings to average equity (ytd only) | 9.0420% | 1,307 |
| Net charge-offs to loans | -0.2403% | 5,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6216% | 2,095 |
| Assets per employee ($millions) | 3.1223% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 1,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 63.1259% | 3,388 |
| Net loans and leases to deposits | 74.5696% | 3,400 |
| Net loans and leases to core deposits | 80.1328% | 3,362 |
| Total domestic deposits to total assets | 84.6536% | 2,798 |
| Equity capital to assets | 15.1543% | 723 |
| Core capital (leverage) ratio | 12.8037% | 1,358 |
| Tier 1 risk-based capital ratio | 19.0938% | 1,529 |
| Total risk-based capital ratio | 20.3422% | 1,501 |
| Memoranda: | ||
| Average total assets | $17,933,000 | 5,314 |
| Average earning assets | $16,338,500 | 5,306 |
| Average equity | $2,787,000 | 5,256 |
| Average total loans | $11,651,500 | 5,215 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 963 |
| Cost of funding earning assets | 0.4498% | 3,683 |
| Net interest margin | 4.5877% | 624 |
| Noninterest income to average assets | 0.9644% | 1,028 |
| Noninterest expense to average assets | 4.1064% | 464 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9830% | 3,088 |
| Return on assets (ROA) | 0.9830% | 3,085 |
| Pretax return on assets | 0.9830% | 3,663 |
| Return on Equity (ROE) | 5.9717% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.9717% | 2,211 |
| Net charge-offs to loans | 0.1171% | 1,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 14.3636% | 2,384 |
| Efficiency ratio | 80.6846% | 900 |
| Assets per employee ($millions) | 2.8553% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 1,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 65.1062% | 3,242 |
| Net loans and leases to deposits | 77.6687% | 3,206 |
| Net loans and leases to core deposits | 80.4878% | 3,391 |
| Total domestic deposits to total assets | 83.8256% | 3,053 |
| Equity capital to assets | 15.9643% | 540 |
| Core capital (leverage) ratio | 13.4831% | 1,081 |
| Tier 1 risk-based capital ratio | 19.6758% | 1,361 |
| Total risk-based capital ratio | 20.9264% | 1,334 |
| Memoranda: | ||
| Average total assets | $16,072,600 | 5,373 |
| Average earning assets | $14,451,800 | 5,363 |
| Average equity | $2,645,800 | 5,310 |
| Average total loans | $9,389,800 | 5,297 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0260% | 892 |
| Cost of funding earning assets | 0.4039% | 3,831 |
| Net interest margin | 4.6220% | 566 |
| Noninterest income to average assets | 1.0122% | 937 |
| Noninterest expense to average assets | 4.1413% | 430 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0206% | 2,999 |
| Return on assets (ROA) | 1.0206% | 3,015 |
| Pretax return on assets | 1.0206% | 3,659 |
| Return on Equity (ROE) | 6.1494% | 4,225 |
| Retained earnings to average equity (ytd only) | 6.1494% | 2,582 |
| Net charge-offs to loans | 0.2245% | 759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 8.0665% | 2,752 |
| Efficiency ratio | 80.2288% | 924 |
| Assets per employee ($millions) | 2.6295% | 5,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 1,300 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 63.0665% | 3,534 |
| Net loans and leases to deposits | 76.3681% | 3,386 |
| Net loans and leases to core deposits | 77.8682% | 3,669 |
| Total domestic deposits to total assets | 82.5822% | 3,439 |
| Equity capital to assets | 17.0692% | 417 |
| Core capital (leverage) ratio | 13.5958% | 1,066 |
| Tier 1 risk-based capital ratio | 21.2143% | 1,153 |
| Total risk-based capital ratio | 22.4652% | 1,135 |
| Memoranda: | ||
| Average total assets | $15,807,750 | 5,445 |
| Average earning assets | $14,192,500 | 5,434 |
| Average equity | $2,623,500 | 5,380 |
| Average total loans | $8,909,250 | 5,373 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9888% | 845 |
| Cost of funding earning assets | 0.3513% | 4,067 |
| Net interest margin | 4.6374% | 509 |
| Noninterest income to average assets | 1.0747% | 832 |
| Noninterest expense to average assets | 4.1598% | 434 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0874% | 2,629 |
| Return on assets (ROA) | 1.0874% | 2,640 |
| Pretax return on assets | 1.0874% | 3,364 |
| Return on Equity (ROE) | 6.6145% | 4,021 |
| Retained earnings to average equity (ytd only) | 6.6145% | 2,255 |
| Net charge-offs to loans | 0.2350% | 678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.6000% | 2,457 |
| Efficiency ratio | 79.2771% | 1,090 |
| Assets per employee ($millions) | 2.6712% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6995% | 905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 57.0225% | 4,081 |
| Net loans and leases to deposits | 68.4364% | 3,992 |
| Net loans and leases to core deposits | 73.0886% | 3,939 |
| Total domestic deposits to total assets | 83.3219% | 3,319 |
| Equity capital to assets | 16.4098% | 451 |
| Core capital (leverage) ratio | 13.6433% | 1,017 |
| Tier 1 risk-based capital ratio | 22.6906% | 961 |
| Total risk-based capital ratio | 23.9518% | 943 |
| Memoranda: | ||
| Average total assets | $15,818,000 | 5,509 |
| Average earning assets | $14,232,000 | 5,498 |
| Average equity | $2,600,330 | 5,442 |
| Average total loans | $8,511,330 | 5,442 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2556% | 2,687 |
| Cost of funding earning assets | 0.3382% | 4,079 |
| Net interest margin | 3.9174% | 1,973 |
| Noninterest income to average assets | 0.8146% | 1,403 |
| Noninterest expense to average assets | 4.1748% | 423 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1782% | 5,266 |
| Return on assets (ROA) | 0.1782% | 5,262 |
| Pretax return on assets | 0.1782% | 5,279 |
| Return on Equity (ROE) | 1.0830% | 5,298 |
| Retained earnings to average equity (ytd only) | 1.0830% | 4,607 |
| Net charge-offs to loans | 0.3449% | 448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,598 |
| Efficiency ratio | 95.9064% | 255 |
| Assets per employee ($millions) | 2.7037% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8242% | 746 |
| Loan loss allowance to noncurrent loans | 74.8837% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.6952% | 756 |
| Noncurrent loans to loans | 2.4360% | 568 |
| Net loans and leases to total assets | 53.4151% | 4,334 |
| Net loans and leases to deposits | 63.6524% | 4,229 |
| Net loans and leases to core deposits | 68.0729% | 4,217 |
| Total domestic deposits to total assets | 83.9169% | 3,357 |
| Equity capital to assets | 15.8982% | 501 |
| Core capital (leverage) ratio | 13.6995% | 948 |
| Tier 1 risk-based capital ratio | 22.6782% | 969 |
| Total risk-based capital ratio | 23.9310% | 952 |
| Memoranda: | ||
| Average total assets | $15,713,500 | 5,575 |
| Average earning assets | $14,193,000 | 5,563 |
| Average equity | $2,585,500 | 5,502 |
| Average total loans | $8,118,500 | 5,511 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6937% | 4,352 |
| Cost of funding earning assets | 0.3317% | 3,858 |
| Net interest margin | 3.3620% | 3,964 |
| Noninterest income to average assets | 0.7707% | 1,691 |
| Noninterest expense to average assets | 3.8335% | 671 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.0997% | 5,418 |
| Return on assets (ROA) | -0.0997% | 5,420 |
| Pretax return on assets | -0.0997% | 5,466 |
| Return on Equity (ROE) | -0.5766% | 5,405 |
| Retained earnings to average equity (ytd only) | -0.5766% | 5,127 |
| Net charge-offs to loans | 3.7800% | 29 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -0.0573% | 4,019 |
| Efficiency ratio | 102.6690% | 144 |
| Assets per employee ($millions) | 2.5342% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2669% | 325 |
| Loan loss allowance to noncurrent loans | 64.6154% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 2.1046% | 517 |
| Noncurrent loans to loans | 3.5083% | 287 |
| Net loans and leases to total assets | 47.6356% | 4,796 |
| Net loans and leases to deposits | 57.5526% | 4,717 |
| Net loans and leases to core deposits | 57.5526% | 4,869 |
| Total domestic deposits to total assets | 82.7688% | 3,640 |
| Equity capital to assets | 17.0470% | 396 |
| Core capital (leverage) ratio | 13.9017% | 858 |
| Tier 1 risk-based capital ratio | 26.9769% | 598 |
| Total risk-based capital ratio | 28.2400% | 589 |
| Memoranda: | ||
| Average total assets | $15,051,600 | 5,639 |
| Average earning assets | $13,265,800 | 5,632 |
| Average equity | $2,601,400 | 5,562 |
| Average total loans | $6,931,200 | 5,595 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6628% | 4,417 |
| Cost of funding earning assets | 0.3431% | 3,738 |
| Net interest margin | 3.3197% | 4,108 |
| Noninterest income to average assets | 0.7637% | 1,722 |
| Noninterest expense to average assets | 3.8099% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.1244% | 5,558 |
| Return on assets (ROA) | -0.1244% | 5,562 |
| Pretax return on assets | -0.1244% | 5,552 |
| Return on Equity (ROE) | -0.7170% | 5,546 |
| Retained earnings to average equity (ytd only) | -0.7170% | 5,320 |
| Net charge-offs to loans | 5.1482% | 15 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -0.0532% | 3,696 |
| Efficiency ratio | 103.3735% | 143 |
| Assets per employee ($millions) | 2.4210% | 5,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6193% | 231 |
| Loan loss allowance to noncurrent loans | 55.0820% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 2.0997% | 602 |
| Noncurrent loans to loans | 4.7552% | 178 |
| Net loans and leases to total assets | 42.9988% | 5,078 |
| Net loans and leases to deposits | 52.5890% | 5,020 |
| Net loans and leases to core deposits | 52.5890% | 5,120 |
| Total domestic deposits to total assets | 81.7637% | 3,846 |
| Equity capital to assets | 17.9678% | 339 |
| Core capital (leverage) ratio | 14.1571% | 849 |
| Tier 1 risk-based capital ratio | 31.6128% | 427 |
| Total risk-based capital ratio | 32.8831% | 425 |
| Memoranda: | ||
| Average total assets | $15,013,250 | 5,705 |
| Average earning assets | $13,213,750 | 5,696 |
| Average equity | $2,603,750 | 5,622 |
| Average total loans | $6,811,250 | 5,661 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5546% | 4,624 |
| Cost of funding earning assets | 0.3435% | 3,648 |
| Net interest margin | 3.2111% | 4,384 |
| Noninterest income to average assets | 0.7380% | 1,824 |
| Noninterest expense to average assets | 3.8087% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.2372% | 5,631 |
| Return on assets (ROA) | -0.2372% | 5,630 |
| Pretax return on assets | -0.2372% | 5,619 |
| Return on Equity (ROE) | -1.3837% | 5,599 |
| Retained earnings to average equity (ytd only) | -1.3837% | 5,272 |
| Net charge-offs to loans | 7.5752% | 8 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -0.0684% | 3,413 |
| Efficiency ratio | 106.6421% | 127 |
| Assets per employee ($millions) | 2.4412% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6258% | 246 |
| Loan loss allowance to noncurrent loans | 54.3974% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 2.0960% | 590 |
| Noncurrent loans to loans | 4.8270% | 163 |
| Net loans and leases to total assets | 42.2817% | 5,129 |
| Net loans and leases to deposits | 51.6083% | 5,079 |
| Net loans and leases to core deposits | 51.6083% | 5,164 |
| Total domestic deposits to total assets | 81.9280% | 3,905 |
| Equity capital to assets | 17.8330% | 337 |
| Core capital (leverage) ratio | 13.6231% | 958 |
| Tier 1 risk-based capital ratio | 32.0798% | 398 |
| Total risk-based capital ratio | 33.3551% | 392 |
| Memoranda: | ||
| Average total assets | $15,175,670 | 5,754 |
| Average earning assets | $13,391,000 | 5,747 |
| Average equity | $2,601,670 | 5,670 |
| Average total loans | $6,943,670 | 5,708 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2395% | 5,190 |
| Cost of funding earning assets | 0.3502% | 3,530 |
| Net interest margin | 2.8892% | 5,107 |
| Noninterest income to average assets | 0.7254% | 1,852 |
| Noninterest expense to average assets | 3.6269% | 862 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.3368% | 5,705 |
| Return on assets (ROA) | -0.3368% | 5,704 |
| Pretax return on assets | -0.3368% | 5,693 |
| Return on Equity (ROE) | -2.0027% | 5,680 |
| Retained earnings to average equity (ytd only) | -2.0027% | 5,167 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2362% | 126 |
| Assets per employee ($millions) | 2.5897% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2930% | 26 |
| Loan loss allowance to noncurrent loans | 62.4093% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 4.4343% | 152 |
| Noncurrent loans to loans | 10.0834% | 31 |
| Net loans and leases to total assets | 41.2086% | 5,199 |
| Net loans and leases to deposits | 49.5972% | 5,154 |
| Net loans and leases to core deposits | 49.5972% | 5,236 |
| Total domestic deposits to total assets | 83.0866% | 3,801 |
| Equity capital to assets | 16.7396% | 406 |
| Core capital (leverage) ratio | 13.4509% | 990 |
| Tier 1 risk-based capital ratio | 30.1332% | 474 |
| Total risk-based capital ratio | 31.4500% | 472 |
| Memoranda: | ||
| Average total assets | $15,440,000 | 5,822 |
| Average earning assets | $13,706,000 | 5,814 |
| Average equity | $2,596,500 | 5,733 |
| Average total loans | $7,235,500 | 5,769 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 3,367 |
| Cost of funding earning assets | 0.3802% | 3,200 |
| Net interest margin | 3.5742% | 3,170 |
| Noninterest income to average assets | 0.6867% | 2,235 |
| Noninterest expense to average assets | 3.3415% | 1,484 |
| Loan and lease loss provision to assets | 2.0295% | 38 |
| Net operating income to assets | -1.5144% | 5,864 |
| Return on assets (ROA) | -1.5083% | 5,865 |
| Pretax return on assets | -1.5083% | 5,861 |
| Return on Equity (ROE) | -8.7092% | 5,827 |
| Retained earnings to average equity (ytd only) | -9.9483% | 5,785 |
| Net charge-offs to loans | 0.6918% | 315 |
| Credit loss provision to net charge-offs | 601.8182% | 567 |
| Earnings coverage of net charge-offs (x) | 1.5273% | 3,976 |
| Efficiency ratio | 86.6455% | 775 |
| Assets per employee ($millions) | 2.5570% | 5,637 |
| Cash dividends to net income (ytd only)* | -14.2276% | 5,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6428% | 31 |
| Loan loss allowance to noncurrent loans | 146.1017% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.9228% | 735 |
| Noncurrent loans to loans | 3.8623% | 282 |
| Net loans and leases to total assets | 46.9756% | 4,957 |
| Net loans and leases to deposits | 56.6722% | 4,876 |
| Net loans and leases to core deposits | 56.6722% | 5,024 |
| Total domestic deposits to total assets | 82.8901% | 3,800 |
| Equity capital to assets | 16.8948% | 398 |
| Core capital (leverage) ratio | 13.2913% | 1,034 |
| Tier 1 risk-based capital ratio | 28.2655% | 552 |
| Total risk-based capital ratio | 29.5789% | 540 |
| Memoranda: | ||
| Average total assets | $16,309,800 | 5,875 |
| Average earning assets | $14,464,600 | 5,864 |
| Average equity | $2,824,600 | 5,772 |
| Average total loans | $7,950,400 | 5,813 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0039% | 3,218 |
| Cost of funding earning assets | 0.3822% | 3,207 |
| Net interest margin | 3.6217% | 3,000 |
| Noninterest income to average assets | 0.7089% | 2,131 |
| Noninterest expense to average assets | 3.2624% | 1,646 |
| Loan and lease loss provision to assets | 2.6663% | 24 |
| Net operating income to assets | -2.0139% | 5,945 |
| Return on assets (ROA) | -2.0058% | 5,944 |
| Pretax return on assets | -2.0058% | 5,939 |
| Return on Equity (ROE) | -11.5164% | 5,911 |
| Retained earnings to average equity (ytd only) | -13.1354% | 5,878 |
| Net charge-offs to loans | 0.9299% | 190 |
| Credit loss provision to net charge-offs | 591.0714% | 623 |
| Earnings coverage of net charge-offs (x) | 1.4466% | 3,692 |
| Efficiency ratio | 83.3333% | 1,042 |
| Assets per employee ($millions) | 2.6020% | 5,674 |
| Cash dividends to net income (ytd only)* | -14.0577% | 5,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2052% | 39 |
| Loan loss allowance to noncurrent loans | 85.6574% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 3.2155% | 341 |
| Noncurrent loans to loans | 6.0767% | 113 |
| Net loans and leases to total assets | 50.1601% | 4,808 |
| Net loans and leases to deposits | 60.6584% | 4,708 |
| Net loans and leases to core deposits | 60.6584% | 4,900 |
| Total domestic deposits to total assets | 82.6928% | 3,714 |
| Equity capital to assets | 17.0638% | 426 |
| Core capital (leverage) ratio | 12.6812% | 1,319 |
| Tier 1 risk-based capital ratio | 26.5619% | 677 |
| Total risk-based capital ratio | 27.8651% | 653 |
| Memoranda: | ||
| Average total assets | $16,551,750 | 5,937 |
| Average earning assets | $14,652,000 | 5,929 |
| Average equity | $2,882,750 | 5,832 |
| Average total loans | $8,028,500 | 5,875 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8695% | 3,705 |
| Cost of funding earning assets | 0.3723% | 3,337 |
| Net interest margin | 3.4972% | 3,503 |
| Noninterest income to average assets | 0.7115% | 2,089 |
| Noninterest expense to average assets | 3.2019% | 1,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6285% | 4,150 |
| Return on assets (ROA) | 0.6404% | 4,235 |
| Pretax return on assets | 0.6404% | 4,787 |
| Return on Equity (ROE) | 3.6540% | 5,035 |
| Retained earnings to average equity (ytd only) | 2.5037% | 4,289 |
| Net charge-offs to loans | 0.1258% | 1,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 10.6000% | 2,322 |
| Efficiency ratio | 83.5913% | 1,085 |
| Assets per employee ($millions) | 2.7232% | 5,670 |
| Cash dividends to net income (ytd only)* | 31.4815% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7073% | 1,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 52.8551% | 4,604 |
| Net loans and leases to deposits | 64.8251% | 4,435 |
| Net loans and leases to core deposits | 64.8251% | 4,692 |
| Total domestic deposits to total assets | 81.5350% | 4,132 |
| Equity capital to assets | 18.2569% | 318 |
| Core capital (leverage) ratio | 14.3160% | 744 |
| Tier 1 risk-based capital ratio | 28.8839% | 545 |
| Total risk-based capital ratio | 30.1282% | 539 |
| Memoranda: | ||
| Average total assets | $16,865,000 | 6,006 |
| Average earning assets | $15,040,670 | 6,004 |
| Average equity | $2,955,670 | 5,897 |
| Average total loans | $7,951,000 | 5,954 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6518% | 4,471 |
| Cost of funding earning assets | 0.3652% | 3,452 |
| Net interest margin | 3.2866% | 4,273 |
| Noninterest income to average assets | 0.7006% | 2,041 |
| Noninterest expense to average assets | 3.1060% | 2,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5371% | 4,476 |
| Return on assets (ROA) | 0.5371% | 4,586 |
| Pretax return on assets | 0.5371% | 4,990 |
| Return on Equity (ROE) | 3.1271% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.1271% | 3,955 |
| Net charge-offs to loans | 0.0531% | 1,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,383 |
| Efficiency ratio | 85.2564% | 1,040 |
| Assets per employee ($millions) | 2.8247% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9376% | 914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 45.9877% | 5,115 |
| Net loans and leases to deposits | 55.8269% | 4,998 |
| Net loans and leases to core deposits | 55.8269% | 5,139 |
| Total domestic deposits to total assets | 82.3755% | 4,093 |
| Equity capital to assets | 17.4770% | 379 |
| Core capital (leverage) ratio | 13.7458% | 885 |
| Tier 1 risk-based capital ratio | 30.7361% | 474 |
| Total risk-based capital ratio | 31.9876% | 469 |
| Memoranda: | ||
| Average total assets | $17,128,000 | 6,066 |
| Average earning assets | $15,335,000 | 6,058 |
| Average equity | $2,942,000 | 5,953 |
| Average total loans | $7,533,500 | 6,023 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7403% | 4,230 |
| Cost of funding earning assets | 0.3804% | 3,363 |
| Net interest margin | 3.3600% | 4,076 |
| Noninterest income to average assets | 0.6382% | 2,523 |
| Noninterest expense to average assets | 3.2524% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3079% | 5,334 |
| Return on assets (ROA) | 0.3079% | 5,418 |
| Pretax return on assets | 0.3527% | 5,419 |
| Return on Equity (ROE) | 1.8706% | 5,599 |
| Retained earnings to average equity (ytd only) | -3.1971% | 5,835 |
| Net charge-offs to loans | -0.0274% | 5,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2174% | 679 |
| Assets per employee ($millions) | 2.8847% | 5,628 |
| Cash dividends to net income (ytd only)* | 270.9091% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1773% | 614 |
| Loan loss allowance to noncurrent loans | 281.8182% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 4,323 |
| Noncurrent loans to loans | 0.7726% | 2,860 |
| Net loans and leases to total assets | 40.2357% | 5,496 |
| Net loans and leases to deposits | 48.4958% | 5,465 |
| Net loans and leases to core deposits | 48.4958% | 5,543 |
| Total domestic deposits to total assets | 82.9674% | 3,842 |
| Equity capital to assets | 16.8824% | 423 |
| Core capital (leverage) ratio | 13.2984% | 1,043 |
| Tier 1 risk-based capital ratio | 31.8945% | 434 |
| Total risk-based capital ratio | 33.1500% | 430 |
| Memoranda: | ||
| Average total assets | $17,863,800 | 6,118 |
| Average earning assets | $15,774,000 | 6,115 |
| Average equity | $2,940,200 | 6,012 |
| Average total loans | $7,307,400 | 6,080 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8118% | 4,049 |
| Cost of funding earning assets | 0.3795% | 3,445 |
| Net interest margin | 3.4323% | 3,826 |
| Noninterest income to average assets | 0.6443% | 2,508 |
| Noninterest expense to average assets | 3.3328% | 1,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2666% | 5,543 |
| Return on assets (ROA) | 0.2666% | 5,620 |
| Pretax return on assets | 0.3259% | 5,607 |
| Return on Equity (ROE) | 1.6300% | 5,748 |
| Retained earnings to average equity (ytd only) | -3.3504% | 5,958 |
| Net charge-offs to loans | -0.0181% | 5,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0931% | 628 |
| Assets per employee ($millions) | 2.9177% | 5,634 |
| Cash dividends to net income (ytd only)* | 305.5417% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2516% | 613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 38.4382% | 5,674 |
| Net loans and leases to deposits | 46.3334% | 5,637 |
| Net loans and leases to core deposits | 46.3334% | 5,726 |
| Total domestic deposits to total assets | 82.9601% | 3,833 |
| Equity capital to assets | 16.8742% | 446 |
| Core capital (leverage) ratio | 13.5860% | 983 |
| Tier 1 risk-based capital ratio | 32.2809% | 437 |
| Total risk-based capital ratio | 33.5268% | 430 |
| Memoranda: | ||
| Average total assets | $18,002,750 | 6,202 |
| Average earning assets | $15,810,000 | 6,196 |
| Average equity | $2,944,750 | 6,091 |
| Average total loans | $7,354,500 | 6,160 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6674% | 4,518 |
| Cost of funding earning assets | 0.3781% | 3,518 |
| Net interest margin | 3.2893% | 4,339 |
| Noninterest income to average assets | 0.6165% | 2,649 |
| Noninterest expense to average assets | 3.3355% | 1,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0660% | 5,915 |
| Return on assets (ROA) | 0.0660% | 5,958 |
| Pretax return on assets | 0.1541% | 5,874 |
| Return on Equity (ROE) | 0.4079% | 5,979 |
| Retained earnings to average equity (ytd only) | -6.9348% | 6,088 |
| Net charge-offs to loans | -0.0266% | 5,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5836% | 451 |
| Assets per employee ($millions) | 2.8323% | 5,785 |
| Cash dividends to net income (ytd only)* | 1,800.0000% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1099% | 846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 42.0443% | 5,502 |
| Net loans and leases to deposits | 50.7890% | 5,460 |
| Net loans and leases to core deposits | 50.7890% | 5,581 |
| Total domestic deposits to total assets | 82.7822% | 4,037 |
| Equity capital to assets | 17.0237% | 418 |
| Core capital (leverage) ratio | 13.2514% | 1,069 |
| Tier 1 risk-based capital ratio | 28.6204% | 607 |
| Total risk-based capital ratio | 29.8780% | 599 |
| Memoranda: | ||
| Average total assets | $18,168,330 | 6,277 |
| Average earning assets | $15,869,670 | 6,271 |
| Average equity | $2,941,670 | 6,155 |
| Average total loans | $7,511,330 | 6,228 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6167% | 4,637 |
| Cost of funding earning assets | 0.3910% | 3,398 |
| Net interest margin | 3.2257% | 4,499 |
| Noninterest income to average assets | 0.5545% | 2,926 |
| Noninterest expense to average assets | 3.1777% | 2,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0213% | 5,987 |
| Return on assets (ROA) | 0.0213% | 6,026 |
| Pretax return on assets | 0.1919% | 5,839 |
| Return on Equity (ROE) | 0.1349% | 6,037 |
| Retained earnings to average equity (ytd only) | 0.1349% | 5,328 |
| Net charge-offs to loans | -0.0525% | 5,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3038% | 579 |
| Assets per employee ($millions) | 3.0292% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1102% | 914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 39.3067% | 5,640 |
| Net loans and leases to deposits | 47.1427% | 5,612 |
| Net loans and leases to core deposits | 47.4558% | 5,691 |
| Total domestic deposits to total assets | 83.3783% | 4,056 |
| Equity capital to assets | 16.5172% | 483 |
| Core capital (leverage) ratio | 13.2950% | 1,053 |
| Tier 1 risk-based capital ratio | 29.8606% | 545 |
| Total risk-based capital ratio | 31.1153% | 541 |
| Memoranda: | ||
| Average total assets | $18,755,500 | 6,339 |
| Average earning assets | $16,368,500 | 6,329 |
| Average equity | $2,966,000 | 6,213 |
| Average total loans | $7,617,500 | 6,295 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0207% | 3,643 |
| Cost of funding earning assets | 0.4718% | 2,962 |
| Net interest margin | 3.5489% | 3,604 |
| Noninterest income to average assets | 0.6242% | 2,719 |
| Noninterest expense to average assets | 3.1115% | 2,479 |
| Loan and lease loss provision to assets | -1.1733% | 6,501 |
| Net operating income to assets | 1.5431% | 805 |
| Return on assets (ROA) | 1.5159% | 885 |
| Pretax return on assets | 1.8303% | 746 |
| Return on Equity (ROE) | 10.8498% | 1,766 |
| Retained earnings to average equity (ytd only) | -10.9842% | 6,332 |
| Net charge-offs to loans | 0.0103% | 4,700 |
| Credit loss provision to net charge-offs | -25,000.0000% | 6,113 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 369 |
| Efficiency ratio | 81.8519% | 1,681 |
| Assets per employee ($millions) | 3.2227% | 5,403 |
| Cash dividends to net income (ytd only)* | 201.2384% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9277% | 1,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 4,183 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 40.2565% | 5,726 |
| Net loans and leases to deposits | 47.4895% | 5,715 |
| Net loans and leases to core deposits | 48.5317% | 5,787 |
| Total domestic deposits to total assets | 84.7693% | 3,381 |
| Equity capital to assets | 15.1531% | 680 |
| Core capital (leverage) ratio | 12.6647% | 1,274 |
| Tier 1 risk-based capital ratio | 27.3012% | 656 |
| Total risk-based capital ratio | 28.5532% | 639 |
| Memoranda: | ||
| Average total assets | $21,308,000 | 6,391 |
| Average earning assets | $19,076,400 | 6,382 |
| Average equity | $2,977,000 | 6,278 |
| Average total loans | $9,739,600 | 6,322 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 3,580 |
| Cost of funding earning assets | 0.4902% | 2,857 |
| Net interest margin | 3.5540% | 3,613 |
| Noninterest income to average assets | 0.6360% | 2,644 |
| Noninterest expense to average assets | 3.0701% | 2,561 |
| Loan and lease loss provision to assets | -1.5290% | 6,585 |
| Net operating income to assets | 1.8775% | 439 |
| Return on assets (ROA) | 1.8775% | 453 |
| Pretax return on assets | 2.2873% | 306 |
| Return on Equity (ROE) | 13.6954% | 1,050 |
| Retained earnings to average equity (ytd only) | -15.3014% | 6,447 |
| Net charge-offs to loans | -0.0262% | 5,695 |
| Credit loss provision to net charge-offs | 12,500.0000% | 26 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1917% | 1,885 |
| Assets per employee ($millions) | 3.2900% | 5,258 |
| Cash dividends to net income (ytd only)* | 211.7292% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 1,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 4,111 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 45.0659% | 5,449 |
| Net loans and leases to deposits | 52.8266% | 5,477 |
| Net loans and leases to core deposits | 53.9544% | 5,568 |
| Total domestic deposits to total assets | 85.3090% | 3,208 |
| Equity capital to assets | 14.5897% | 833 |
| Core capital (leverage) ratio | 11.4997% | 2,063 |
| Tier 1 risk-based capital ratio | 23.8913% | 1,001 |
| Total risk-based capital ratio | 25.1482% | 981 |
| Memoranda: | ||
| Average total assets | $21,801,000 | 6,460 |
| Average earning assets | $19,583,000 | 6,450 |
| Average equity | $2,988,750 | 6,347 |
| Average total loans | $10,190,250 | 6,381 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 3,873 |
| Cost of funding earning assets | 0.4944% | 2,889 |
| Net interest margin | 3.4707% | 3,891 |
| Noninterest income to average assets | 0.6226% | 2,695 |
| Noninterest expense to average assets | 3.1128% | 2,447 |
| Loan and lease loss provision to assets | -2.2234% | 6,655 |
| Net operating income to assets | 1.9388% | 383 |
| Return on assets (ROA) | 1.9388% | 396 |
| Pretax return on assets | 2.8549% | 135 |
| Return on Equity (ROE) | 14.4132% | 887 |
| Retained earnings to average equity (ytd only) | -28.5620% | 6,582 |
| Net charge-offs to loans | -0.0189% | 5,528 |
| Credit loss provision to net charge-offs | 25,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1354% | 1,614 |
| Assets per employee ($millions) | 3.5333% | 4,787 |
| Cash dividends to net income (ytd only)* | 298.1651% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6685% | 2,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 4,380 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 43.0896% | 5,597 |
| Net loans and leases to deposits | 49.6764% | 5,658 |
| Net loans and leases to core deposits | 51.7066% | 5,676 |
| Total domestic deposits to total assets | 86.7406% | 2,613 |
| Equity capital to assets | 13.1415% | 1,298 |
| Core capital (leverage) ratio | 10.7971% | 2,626 |
| Tier 1 risk-based capital ratio | 21.8595% | 1,280 |
| Total risk-based capital ratio | 23.1128% | 1,254 |
| Memoranda: | ||
| Average total assets | $22,488,000 | 6,519 |
| Average earning assets | $20,226,670 | 6,507 |
| Average equity | $3,025,000 | 6,388 |
| Average total loans | $10,569,670 | 6,435 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0522% | 3,463 |
| Cost of funding earning assets | 0.5210% | 2,702 |
| Net interest margin | 3.5312% | 3,565 |
| Noninterest income to average assets | 0.5361% | 3,140 |
| Noninterest expense to average assets | 3.2163% | 2,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.2969% | 6,619 |
| Return on assets (ROA) | -1.2969% | 6,614 |
| Pretax return on assets | 0.4842% | 5,213 |
| Return on Equity (ROE) | -9.5405% | 6,557 |
| Retained earnings to average equity (ytd only) | -9.5405% | 6,344 |
| Net charge-offs to loans | -0.0357% | 5,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9159% | 1,345 |
| Assets per employee ($millions) | 3.5983% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7068% | 235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 4,566 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 48.6105% | 5,047 |
| Net loans and leases to deposits | 56.7973% | 5,046 |
| Net loans and leases to core deposits | 57.6870% | 5,224 |
| Total domestic deposits to total assets | 85.5859% | 3,566 |
| Equity capital to assets | 14.3214% | 824 |
| Core capital (leverage) ratio | 11.5305% | 1,943 |
| Tier 1 risk-based capital ratio | 22.9038% | 1,155 |
| Total risk-based capital ratio | 24.1519% | 1,142 |
| Memoranda: | ||
| Average total assets | $23,132,000 | 6,583 |
| Average earning assets | $20,729,500 | 6,566 |
| Average equity | $3,144,500 | 6,416 |
| Average total loans | $11,209,500 | 6,475 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 2,770 |
| Cost of funding earning assets | 0.6326% | 2,361 |
| Net interest margin | 3.7184% | 2,984 |
| Noninterest income to average assets | 0.6608% | 2,752 |
| Noninterest expense to average assets | 3.5574% | 1,533 |
| Loan and lease loss provision to assets | 0.3708% | 837 |
| Net operating income to assets | 0.0661% | 6,103 |
| Return on assets (ROA) | 0.0661% | 6,150 |
| Pretax return on assets | 0.0991% | 6,091 |
| Return on Equity (ROE) | 0.5551% | 6,157 |
| Retained earnings to average equity (ytd only) | 0.5551% | 5,593 |
| Net charge-offs to loans | -0.0390% | 6,279 |
| Credit loss provision to net charge-offs | -1,683.3333% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3318% | 1,181 |
| Assets per employee ($millions) | 3.5249% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5069% | 289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 4,855 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 45.0515% | 5,578 |
| Net loans and leases to deposits | 51.9124% | 5,630 |
| Net loans and leases to core deposits | 52.3623% | 5,772 |
| Total domestic deposits to total assets | 86.7837% | 2,837 |
| Equity capital to assets | 12.9570% | 1,293 |
| Core capital (leverage) ratio | 11.3208% | 2,102 |
| Tier 1 risk-based capital ratio | 21.2318% | 1,380 |
| Total risk-based capital ratio | 22.4984% | 1,357 |
| Memoranda: | ||
| Average total assets | $27,238,800 | 6,580 |
| Average earning assets | $24,661,000 | 6,562 |
| Average equity | $3,242,800 | 6,490 |
| Average total loans | $15,390,600 | 6,398 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 2,560 |
| Cost of funding earning assets | 0.6686% | 2,189 |
| Net interest margin | 3.7431% | 2,872 |
| Noninterest income to average assets | 0.5547% | 3,423 |
| Noninterest expense to average assets | 3.4433% | 1,731 |
| Loan and lease loss provision to assets | 0.4830% | 576 |
| Net operating income to assets | 0.0765% | 6,178 |
| Return on assets (ROA) | 0.0765% | 6,233 |
| Pretax return on assets | 0.0287% | 6,291 |
| Return on Equity (ROE) | 0.6555% | 6,239 |
| Retained earnings to average equity (ytd only) | 0.6555% | 5,706 |
| Net charge-offs to loans | -0.0408% | 6,249 |
| Credit loss provision to net charge-offs | -2,020.0000% | 6,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0617% | 1,251 |
| Assets per employee ($millions) | 3.6223% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8935% | 621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8992% | 3,888 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 53.2063% | 4,722 |
| Net loans and leases to deposits | 61.0839% | 4,860 |
| Net loans and leases to core deposits | 63.3024% | 4,977 |
| Total domestic deposits to total assets | 87.1036% | 2,634 |
| Equity capital to assets | 12.6676% | 1,494 |
| Core capital (leverage) ratio | 10.7350% | 2,746 |
| Tier 1 risk-based capital ratio | 18.2549% | 2,227 |
| Total risk-based capital ratio | 19.4946% | 2,196 |
| Memoranda: | ||
| Average total assets | $27,880,000 | 6,641 |
| Average earning assets | $25,325,750 | 6,620 |
| Average equity | $3,254,250 | 6,557 |
| Average total loans | $16,358,250 | 6,420 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 2,667 |
| Cost of funding earning assets | 0.7187% | 1,928 |
| Net interest margin | 3.6544% | 3,158 |
| Noninterest income to average assets | 0.3760% | 4,703 |
| Noninterest expense to average assets | 3.6419% | 1,348 |
| Loan and lease loss provision to assets | 0.7033% | 331 |
| Net operating income to assets | -0.3273% | 6,568 |
| Return on assets (ROA) | -0.3273% | 6,598 |
| Pretax return on assets | -0.6406% | 6,672 |
| Return on Equity (ROE) | -2.8761% | 6,572 |
| Retained earnings to average equity (ytd only) | -2.8761% | 6,299 |
| Net charge-offs to loans | -0.0233% | 6,017 |
| Credit loss provision to net charge-offs | -5,050.0000% | 6,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3083% | 552 |
| Assets per employee ($millions) | 4.0239% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5662% | 913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8095% | 4,201 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 53.7828% | 4,621 |
| Net loans and leases to deposits | 60.7515% | 4,889 |
| Net loans and leases to core deposits | 61.8301% | 5,110 |
| Total domestic deposits to total assets | 88.5291% | 1,897 |
| Equity capital to assets | 11.2543% | 2,517 |
| Core capital (leverage) ratio | 9.3685% | 4,435 |
| Tier 1 risk-based capital ratio | 16.3338% | 3,020 |
| Total risk-based capital ratio | 17.6008% | 2,970 |
| Memoranda: | ||
| Average total assets | $28,721,330 | 6,676 |
| Average earning assets | $26,160,000 | 6,654 |
| Average equity | $3,268,330 | 6,609 |
| Average total loans | $17,180,000 | 6,420 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 2,314 |
| Cost of funding earning assets | 0.7335% | 1,973 |
| Net interest margin | 3.7271% | 2,746 |
| Noninterest income to average assets | 0.3448% | 4,930 |
| Noninterest expense to average assets | 3.6829% | 1,274 |
| Loan and lease loss provision to assets | 1.3932% | 105 |
| Net operating income to assets | -0.7311% | 6,747 |
| Return on assets (ROA) | -0.7311% | 6,760 |
| Pretax return on assets | -1.2966% | 6,856 |
| Return on Equity (ROE) | -6.3904% | 6,726 |
| Retained earnings to average equity (ytd only) | -6.3904% | 6,436 |
| Net charge-offs to loans | -0.0445% | 6,081 |
| Credit loss provision to net charge-offs | -5,050.0000% | 5,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4453% | 661 |
| Assets per employee ($millions) | 4.0910% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2861% | 1,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4190% | 5,348 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 59.5523% | 3,508 |
| Net loans and leases to deposits | 67.4045% | 3,852 |
| Net loans and leases to core deposits | 68.5809% | 4,234 |
| Total domestic deposits to total assets | 88.3507% | 2,101 |
| Equity capital to assets | 11.4921% | 2,419 |
| Core capital (leverage) ratio | 9.1985% | 4,570 |
| Tier 1 risk-based capital ratio | 16.1412% | 3,185 |
| Total risk-based capital ratio | 17.4023% | 3,135 |
| Memoranda: | ||
| Average total assets | $28,998,500 | 6,741 |
| Average earning assets | $26,723,000 | 6,698 |
| Average equity | $3,317,500 | 6,659 |
| Average total loans | $17,996,000 | 6,453 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4031% | 752 |
| Cost of funding earning assets | 0.9824% | 1,449 |
| Net interest margin | 4.4207% | 1,114 |
| Noninterest income to average assets | 0.4311% | 4,376 |
| Noninterest expense to average assets | 2.7565% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1033% | 1,925 |
| Return on assets (ROA) | 1.1033% | 2,106 |
| Pretax return on assets | 1.7075% | 1,120 |
| Return on Equity (ROE) | 9.7733% | 2,276 |
| Retained earnings to average equity (ytd only) | 0.4511% | 5,629 |
| Net charge-offs to loans | -0.0147% | 6,516 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7490% | 5,273 |
| Assets per employee ($millions) | 3.6700% | 4,626 |
| Cash dividends to net income (ytd only)* | 95.3846% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 3,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 4,974 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 62.1356% | 3,226 |
| Net loans and leases to deposits | 70.2221% | 3,676 |
| Net loans and leases to core deposits | 72.8613% | 3,931 |
| Total domestic deposits to total assets | 88.4843% | 1,910 |
| Equity capital to assets | 11.3896% | 2,543 |
| Core capital (leverage) ratio | 9.3588% | 4,324 |
| Tier 1 risk-based capital ratio | 14.6794% | 3,908 |
| Total risk-based capital ratio | 15.9110% | 3,888 |
| Memoranda: | ||
| Average total assets | $29,457,600 | 6,766 |
| Average earning assets | $26,873,600 | 6,739 |
| Average equity | $3,325,400 | 6,723 |
| Average total loans | $20,366,200 | 6,408 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5587% | 600 |
| Cost of funding earning assets | 1.0422% | 1,323 |
| Net interest margin | 4.5164% | 961 |
| Noninterest income to average assets | 0.4296% | 4,415 |
| Noninterest expense to average assets | 2.7587% | 4,142 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1396% | 1,954 |
| Return on assets (ROA) | 1.1396% | 2,143 |
| Pretax return on assets | 1.7863% | 1,082 |
| Return on Equity (ROE) | 10.1179% | 2,290 |
| Retained earnings to average equity (ytd only) | -2.3287% | 6,430 |
| Net charge-offs to loans | -0.0192% | 6,486 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6965% | 5,376 |
| Assets per employee ($millions) | 3.5815% | 4,784 |
| Cash dividends to net income (ytd only)* | 123.0156% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 4,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 5,181 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 72.3510% | 1,492 |
| Net loans and leases to deposits | 81.7203% | 2,161 |
| Net loans and leases to core deposits | 84.8547% | 2,596 |
| Total domestic deposits to total assets | 88.5348% | 1,701 |
| Equity capital to assets | 11.2732% | 2,961 |
| Core capital (leverage) ratio | 8.9069% | 5,186 |
| Tier 1 risk-based capital ratio | 12.5000% | 5,644 |
| Total risk-based capital ratio | 13.8000% | 5,567 |
| Memoranda: | ||
| Average total assets | $29,482,000 | 6,851 |
| Average earning assets | $26,864,250 | 6,829 |
| Average equity | $3,320,750 | 6,809 |
| Average total loans | $20,823,000 | 6,472 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5753% | 608 |
| Cost of funding earning assets | 1.0870% | 1,276 |
| Net interest margin | 4.4884% | 1,013 |
| Noninterest income to average assets | 0.4234% | 4,473 |
| Noninterest expense to average assets | 2.5472% | 4,971 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2971% | 1,450 |
| Return on assets (ROA) | 1.2971% | 1,601 |
| Pretax return on assets | 1.9557% | 750 |
| Return on Equity (ROE) | 11.5189% | 1,821 |
| Retained earnings to average equity (ytd only) | 5.5506% | 2,960 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5672% | 6,053 |
| Assets per employee ($millions) | 3.7073% | 4,506 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 4,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 5,318 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 73.3293% | 1,348 |
| Net loans and leases to deposits | 83.0679% | 1,968 |
| Net loans and leases to core deposits | 86.3976% | 2,375 |
| Total domestic deposits to total assets | 88.2764% | 1,970 |
| Equity capital to assets | 11.4033% | 2,685 |
| Core capital (leverage) ratio | 8.9558% | 4,975 |
| Tier 1 risk-based capital ratio | 13.1051% | 5,113 |
| Total risk-based capital ratio | 14.3579% | 5,087 |
| Memoranda: | ||
| Average total assets | $29,758,670 | 6,897 |
| Average earning assets | $27,047,670 | 6,874 |
| Average equity | $3,351,000 | 6,842 |
| Average total loans | $20,755,330 | 6,527 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4810% | 784 |
| Cost of funding earning assets | 1.0695% | 1,560 |
| Net interest margin | 4.4115% | 1,202 |
| Noninterest income to average assets | 0.3891% | 4,750 |
| Noninterest expense to average assets | 2.2544% | 5,889 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3553% | 1,301 |
| Return on assets (ROA) | 1.3553% | 1,463 |
| Pretax return on assets | 2.1202% | 615 |
| Return on Equity (ROE) | 12.1121% | 1,651 |
| Retained earnings to average equity (ytd only) | 12.1121% | 811 |
| Net charge-offs to loans | 0.0199% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 229 |
| Efficiency ratio | 51.5337% | 6,579 |
| Assets per employee ($millions) | 3.6846% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 4,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5971% | 5,396 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 72.6295% | 1,292 |
| Net loans and leases to deposits | 82.5646% | 1,852 |
| Net loans and leases to core deposits | 87.6664% | 2,092 |
| Total domestic deposits to total assets | 87.9669% | 2,343 |
| Equity capital to assets | 11.5073% | 2,436 |
| Core capital (leverage) ratio | 9.3058% | 4,357 |
| Tier 1 risk-based capital ratio | 13.3953% | 4,900 |
| Total risk-based capital ratio | 14.6468% | 4,891 |
| Memoranda: | ||
| Average total assets | $29,809,000 | 6,954 |
| Average earning assets | $26,929,500 | 6,931 |
| Average equity | $3,335,500 | 6,889 |
| Average total loans | $20,113,000 | 6,606 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 3,347 |
| Cost of funding earning assets | 1.1323% | 2,450 |
| Net interest margin | 3.7692% | 3,988 |
| Noninterest income to average assets | 0.4948% | 3,885 |
| Noninterest expense to average assets | 2.3280% | 5,979 |
| Loan and lease loss provision to assets | 0.4805% | 2,206 |
| Net operating income to assets | 0.6621% | 3,681 |
| Return on assets (ROA) | 0.6621% | 3,865 |
| Pretax return on assets | 1.0750% | 2,935 |
| Return on Equity (ROE) | 5.7883% | 3,978 |
| Retained earnings to average equity (ytd only) | 2.6763% | 4,326 |
| Net charge-offs to loans | 0.2448% | 4,250 |
| Credit loss provision to net charge-offs | 337.5000% | 688 |
| Earnings coverage of net charge-offs (x) | 10.9250% | 1,777 |
| Efficiency ratio | 59.9450% | 5,767 |
| Assets per employee ($millions) | 4.3059% | 3,236 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5816% | 3,658 |
| Loan loss allowance to noncurrent loans | 298.9796% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.9091% | 4,794 |
| Noncurrent loans to loans | 0.5290% | 5,655 |
| Net loans and leases to total assets | 60.4890% | 3,894 |
| Net loans and leases to deposits | 68.0959% | 4,440 |
| Net loans and leases to core deposits | 70.7544% | 4,677 |
| Total domestic deposits to total assets | 88.8292% | 1,649 |
| Equity capital to assets | 10.8789% | 3,109 |
| Core capital (leverage) ratio | 9.0508% | 4,693 |
| Tier 1 risk-based capital ratio | 13.9777% | 4,342 |
| Total risk-based capital ratio | 15.2328% | 4,290 |
| Memoranda: | ||
| Average total assets | $28,093,000 | 7,022 |
| Average earning assets | $25,257,600 | 7,006 |
| Average equity | $3,213,400 | 6,958 |
| Average total loans | $16,343,000 | 6,832 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8162% | 3,957 |
| Cost of funding earning assets | 1.1411% | 2,688 |
| Net interest margin | 3.6751% | 4,447 |
| Noninterest income to average assets | 0.5269% | 3,678 |
| Noninterest expense to average assets | 2.2527% | 6,161 |
| Loan and lease loss provision to assets | 0.6526% | 1,499 |
| Net operating income to assets | 0.5801% | 4,179 |
| Return on assets (ROA) | 0.5801% | 4,357 |
| Pretax return on assets | 0.9378% | 3,627 |
| Return on Equity (ROE) | 5.0047% | 4,529 |
| Retained earnings to average equity (ytd only) | 0.8342% | 5,674 |
| Net charge-offs to loans | 0.9537% | 1,687 |
| Credit loss provision to net charge-offs | 119.4690% | 2,731 |
| Earnings coverage of net charge-offs (x) | 2.9116% | 3,686 |
| Efficiency ratio | 58.6164% | 5,912 |
| Assets per employee ($millions) | 3.5895% | 4,786 |
| Cash dividends to net income (ytd only)* | 83.3313% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 3,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 5,579 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 58.6781% | 4,376 |
| Net loans and leases to deposits | 66.1589% | 4,881 |
| Net loans and leases to core deposits | 69.7261% | 4,983 |
| Total domestic deposits to total assets | 88.6927% | 1,628 |
| Equity capital to assets | 11.1889% | 2,967 |
| Core capital (leverage) ratio | 9.0189% | 4,896 |
| Tier 1 risk-based capital ratio | 14.3066% | 4,125 |
| Total risk-based capital ratio | 15.5458% | 4,093 |
| Memoranda: | ||
| Average total assets | $27,581,000 | 7,105 |
| Average earning assets | $24,887,500 | 7,088 |
| Average equity | $3,197,000 | 7,019 |
| Average total loans | $15,797,500 | 6,928 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8142% | 4,034 |
| Cost of funding earning assets | 1.1424% | 2,954 |
| Net interest margin | 3.6719% | 4,397 |
| Noninterest income to average assets | 0.5588% | 3,411 |
| Noninterest expense to average assets | 2.0954% | 6,603 |
| Loan and lease loss provision to assets | 0.4411% | 2,231 |
| Net operating income to assets | 0.8529% | 2,846 |
| Return on assets (ROA) | 0.8529% | 2,940 |
| Pretax return on assets | 1.3308% | 2,038 |
| Return on Equity (ROE) | 7.2689% | 3,310 |
| Retained earnings to average equity (ytd only) | 1.0026% | 5,465 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1825% | 6,603 |
| Assets per employee ($millions) | 3.6618% | 4,534 |
| Cash dividends to net income (ytd only)* | 86.2069% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 4,113 |
| Loan loss allowance to noncurrent loans | 287.7778% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.9251% | 5,016 |
| Noncurrent loans to loans | 0.5223% | 5,860 |
| Net loans and leases to total assets | 57.9402% | 4,640 |
| Net loans and leases to deposits | 65.1405% | 5,120 |
| Net loans and leases to core deposits | 72.5497% | 4,752 |
| Total domestic deposits to total assets | 88.9465% | 1,569 |
| Equity capital to assets | 10.9545% | 3,005 |
| Core capital (leverage) ratio | 9.0439% | 4,655 |
| Tier 1 risk-based capital ratio | 13.9471% | 4,203 |
| Total risk-based capital ratio | 15.1955% | 4,179 |
| Memoranda: | ||
| Average total assets | $27,202,670 | 7,180 |
| Average earning assets | $24,510,670 | 7,164 |
| Average equity | $3,191,670 | 7,072 |
| Average total loans | $15,348,330 | 7,023 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 4,189 |
| Cost of funding earning assets | 1.0568% | 3,803 |
| Net interest margin | 3.7158% | 4,020 |
| Noninterest income to average assets | 0.5964% | 3,195 |
| Noninterest expense to average assets | 1.9268% | 6,945 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3151% | 1,231 |
| Return on assets (ROA) | 1.3151% | 1,279 |
| Pretax return on assets | 2.0033% | 559 |
| Return on Equity (ROE) | 10.8074% | 1,804 |
| Retained earnings to average equity (ytd only) | -1.7593% | 6,111 |
| Net charge-offs to loans | 0.0278% | 4,701 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 243 |
| Efficiency ratio | 49.0272% | 7,061 |
| Assets per employee ($millions) | 3.4299% | 5,167 |
| Cash dividends to net income (ytd only)* | 116.2791% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 5,332 |
| Loan loss allowance to noncurrent loans | 788.0000% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.7617% | 5,395 |
| Noncurrent loans to loans | 0.1601% | 6,655 |
| Net loans and leases to total assets | 56.1792% | 4,967 |
| Net loans and leases to deposits | 63.7458% | 5,286 |
| Net loans and leases to core deposits | 76.8598% | 4,180 |
| Total domestic deposits to total assets | 88.1300% | 2,299 |
| Equity capital to assets | 11.5857% | 2,201 |
| Core capital (leverage) ratio | 10.2294% | 2,899 |
| Tier 1 risk-based capital ratio | 15.2889% | 3,260 |
| Total risk-based capital ratio | 16.3809% | 3,315 |
| Memoranda: | ||
| Average total assets | $26,157,000 | 7,259 |
| Average earning assets | $23,467,500 | 7,247 |
| Average equity | $3,183,000 | 7,111 |
| Average total loans | $14,406,500 | 7,121 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 6,108 |
| Cost of funding earning assets | 1.1665% | 4,757 |
| Net interest margin | 3.4363% | 5,489 |
| Noninterest income to average assets | 0.8082% | 2,242 |
| Noninterest expense to average assets | 2.4337% | 6,002 |
| Loan and lease loss provision to assets | 0.0674% | 6,472 |
| Net operating income to assets | 1.1899% | 1,438 |
| Return on assets (ROA) | 1.1899% | 1,516 |
| Pretax return on assets | 1.4818% | 1,420 |
| Return on Equity (ROE) | 10.5822% | 1,728 |
| Retained earnings to average equity (ytd only) | 5.6305% | 2,033 |
| Net charge-offs to loans | 0.3916% | 4,078 |
| Credit loss provision to net charge-offs | 38.4615% | 6,410 |
| Earnings coverage of net charge-offs (x) | 8.8462% | 1,914 |
| Efficiency ratio | 61.1048% | 5,875 |
| Assets per employee ($millions) | 3.5536% | 4,817 |
| Cash dividends to net income (ytd only)* | 46.7925% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 4,013 |
| Loan loss allowance to noncurrent loans | 324.5902% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.9930% | 5,023 |
| Noncurrent loans to loans | 0.4621% | 6,121 |
| Net loans and leases to total assets | 52.2734% | 5,875 |
| Net loans and leases to deposits | 60.0434% | 6,051 |
| Net loans and leases to core deposits | 67.6887% | 5,689 |
| Total domestic deposits to total assets | 87.0593% | 2,790 |
| Equity capital to assets | 12.8121% | 1,482 |
| Core capital (leverage) ratio | 10.5232% | 2,536 |
| Tier 1 risk-based capital ratio | 17.4668% | 2,188 |
| Total risk-based capital ratio | 18.7174% | 2,152 |
| Memoranda: | ||
| Average total assets | $22,270,400 | 7,415 |
| Average earning assets | $20,574,600 | 7,390 |
| Average equity | $2,504,200 | 7,396 |
| Average total loans | $9,959,600 | 7,397 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6670% | 6,134 |
| Cost of funding earning assets | 1.1386% | 5,204 |
| Net interest margin | 3.5284% | 5,187 |
| Noninterest income to average assets | 0.8696% | 1,913 |
| Noninterest expense to average assets | 2.4360% | 5,927 |
| Loan and lease loss provision to assets | 0.0925% | 6,106 |
| Net operating income to assets | 1.2581% | 1,448 |
| Return on assets (ROA) | 1.2581% | 1,524 |
| Pretax return on assets | 1.6281% | 1,275 |
| Return on Equity (ROE) | 11.6559% | 1,603 |
| Retained earnings to average equity (ytd only) | 4.5708% | 3,291 |
| Net charge-offs to loans | 0.5392% | 3,144 |
| Credit loss provision to net charge-offs | 40.5405% | 6,007 |
| Earnings coverage of net charge-offs (x) | 7.5408% | 2,309 |
| Efficiency ratio | 58.6053% | 6,174 |
| Assets per employee ($millions) | 3.4080% | 5,187 |
| Cash dividends to net income (ytd only)* | 60.7853% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1694% | 1,859 |
| Loan loss allowance to noncurrent loans | 303.0303% | 968 |
| Noncurrent assets plus other real estate owned to assets | 1.0647% | 4,983 |
| Noncurrent loans to loans | 0.7159% | 5,779 |
| Net loans and leases to total assets | 37.8060% | 7,192 |
| Net loans and leases to deposits | 43.4002% | 7,255 |
| Net loans and leases to core deposits | 48.4346% | 7,186 |
| Total domestic deposits to total assets | 87.1102% | 2,465 |
| Equity capital to assets | 12.6719% | 1,770 |
| Core capital (leverage) ratio | 11.6460% | 1,848 |
| Tier 1 risk-based capital ratio | 22.2515% | 1,172 |
| Total risk-based capital ratio | 23.3853% | 1,157 |
| Memoranda: | ||
| Average total assets | $21,619,250 | 7,523 |
| Average earning assets | $20,141,000 | 7,491 |
| Average equity | $2,333,500 | 7,538 |
| Average total loans | $9,149,250 | 7,522 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8083% | 5,768 |
| Cost of funding earning assets | 1.1560% | 5,363 |
| Net interest margin | 3.6522% | 4,572 |
| Noninterest income to average assets | 0.9007% | 1,686 |
| Noninterest expense to average assets | 2.5774% | 5,419 |
| Loan and lease loss provision to assets | 0.1437% | 5,462 |
| Net operating income to assets | 1.2168% | 1,520 |
| Return on assets (ROA) | 1.2168% | 1,582 |
| Pretax return on assets | 1.6001% | 1,299 |
| Return on Equity (ROE) | 12.0741% | 1,431 |
| Retained earnings to average equity (ytd only) | 12.0741% | 479 |
| Net charge-offs to loans | 0.9204% | 1,995 |
| Credit loss provision to net charge-offs | 35.7143% | 5,662 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 2,985 |
| Efficiency ratio | 59.6452% | 6,110 |
| Assets per employee ($millions) | 3.1667% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0475% | 2,076 |
| Loan loss allowance to noncurrent loans | 274.6479% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 1.1819% | 4,775 |
| Noncurrent loans to loans | 0.7455% | 5,768 |
| Net loans and leases to total assets | 42.0851% | 7,040 |
| Net loans and leases to deposits | 46.7361% | 7,216 |
| Net loans and leases to core deposits | 49.2010% | 7,245 |
| Total domestic deposits to total assets | 90.0483% | 905 |
| Equity capital to assets | 9.7848% | 4,287 |
| Core capital (leverage) ratio | 10.0762% | 3,092 |
| Tier 1 risk-based capital ratio | 19.4355% | 1,620 |
| Total risk-based capital ratio | 20.6900% | 1,594 |
| Memoranda: | ||
| Average total assets | $20,873,670 | 7,603 |
| Average earning assets | $19,549,670 | 7,572 |
| Average equity | $2,103,670 | 7,646 |
| Average total loans | $9,126,000 | 7,587 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9412% | 5,267 |
| Cost of funding earning assets | 1.1664% | 5,571 |
| Net interest margin | 3.7748% | 3,896 |
| Noninterest income to average assets | 0.8899% | 1,667 |
| Noninterest expense to average assets | 2.5510% | 5,546 |
| Loan and lease loss provision to assets | 0.2966% | 3,663 |
| Net operating income to assets | 1.1668% | 1,626 |
| Return on assets (ROA) | 1.1668% | 1,705 |
| Pretax return on assets | 1.5623% | 1,359 |
| Return on Equity (ROE) | 11.3955% | 1,672 |
| Retained earnings to average equity (ytd only) | 11.3955% | 849 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8475% | 6,510 |
| Assets per employee ($millions) | 2.9356% | 6,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6325% | 1,142 |
| Loan loss allowance to noncurrent loans | 311.8421% | 963 |
| Noncurrent assets plus other real estate owned to assets | 1.3091% | 4,576 |
| Noncurrent loans to loans | 0.8442% | 5,627 |
| Net loans and leases to total assets | 42.6590% | 7,082 |
| Net loans and leases to deposits | 47.6413% | 7,248 |
| Net loans and leases to core deposits | 50.3793% | 7,268 |
| Total domestic deposits to total assets | 89.5421% | 1,213 |
| Equity capital to assets | 10.2243% | 3,572 |
| Core capital (leverage) ratio | 10.5435% | 2,578 |
| Tier 1 risk-based capital ratio | 20.6304% | 1,403 |
| Total risk-based capital ratio | 21.8971% | 1,375 |
| Memoranda: | ||
| Average total assets | $20,227,000 | 7,718 |
| Average earning assets | $18,862,000 | 7,683 |
| Average equity | $2,071,000 | 7,738 |
| Average total loans | $8,927,000 | 7,688 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4769% | 4,282 |
| Cost of funding earning assets | 1.3919% | 5,965 |
| Net interest margin | 4.0851% | 2,510 |
| Noninterest income to average assets | 0.7493% | 2,680 |
| Noninterest expense to average assets | 2.9341% | 4,412 |
| Loan and lease loss provision to assets | 0.4274% | 4,266 |
| Net operating income to assets | 0.8391% | 2,388 |
| Return on assets (ROA) | 0.8391% | 2,472 |
| Pretax return on assets | 1.1979% | 1,961 |
| Return on Equity (ROE) | 7.8441% | 2,437 |
| Retained earnings to average equity (ytd only) | 2.9107% | 3,134 |
| Net charge-offs to loans | 0.5193% | 3,699 |
| Credit loss provision to net charge-offs | 165.3061% | 2,639 |
| Earnings coverage of net charge-offs (x) | 6.2857% | 2,401 |
| Efficiency ratio | 64.3519% | 5,704 |
| Assets per employee ($millions) | 2.8436% | 6,575 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5082% | 1,215 |
| Loan loss allowance to noncurrent loans | 304.1096% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 1.3514% | 4,395 |
| Noncurrent loans to loans | 0.8248% | 5,642 |
| Net loans and leases to total assets | 43.3509% | 7,155 |
| Net loans and leases to deposits | 48.3960% | 7,340 |
| Net loans and leases to core deposits | 58.2450% | 7,334 |
| Total domestic deposits to total assets | 89.5755% | 1,171 |
| Equity capital to assets | 10.2537% | 3,453 |
| Core capital (leverage) ratio | 10.3441% | 2,748 |
| Tier 1 risk-based capital ratio | 20.5767% | 1,365 |
| Total risk-based capital ratio | 21.8369% | 1,331 |
| Memoranda: | ||
| Average total assets | $18,949,800 | 7,804 |
| Average earning assets | $17,674,200 | 7,774 |
| Average equity | $2,027,000 | 7,838 |
| Average total loans | $9,435,200 | 7,726 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5925% | 3,909 |
| Cost of funding earning assets | 1.4268% | 6,131 |
| Net interest margin | 4.1658% | 2,165 |
| Noninterest income to average assets | 0.7553% | 2,681 |
| Noninterest expense to average assets | 2.7933% | 4,925 |
| Loan and lease loss provision to assets | 0.5772% | 3,077 |
| Net operating income to assets | 0.9264% | 2,318 |
| Return on assets (ROA) | 0.9264% | 2,389 |
| Pretax return on assets | 1.2755% | 2,025 |
| Return on Equity (ROE) | 8.5659% | 2,425 |
| Retained earnings to average equity (ytd only) | 5.9303% | 1,986 |
| Net charge-offs to loans | 0.7515% | 2,483 |
| Credit loss provision to net charge-offs | 150.0000% | 3,196 |
| Earnings coverage of net charge-offs (x) | 4.8147% | 3,004 |
| Efficiency ratio | 60.1227% | 6,396 |
| Assets per employee ($millions) | 2.7707% | 6,701 |
| Cash dividends to net income (ytd only)* | 30.7679% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3276% | 1,265 |
| Loan loss allowance to noncurrent loans | 261.4458% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 1.5210% | 4,084 |
| Noncurrent loans to loans | 0.8903% | 5,504 |
| Net loans and leases to total assets | 46.9502% | 7,039 |
| Net loans and leases to deposits | 52.7456% | 7,272 |
| Net loans and leases to core deposits | 63.9062% | 7,251 |
| Total domestic deposits to total assets | 89.0126% | 1,186 |
| Equity capital to assets | 10.6883% | 3,302 |
| Core capital (leverage) ratio | 10.9191% | 2,463 |
| Tier 1 risk-based capital ratio | 20.4761% | 1,459 |
| Total risk-based capital ratio | 21.7404% | 1,414 |
| Memoranda: | ||
| Average total assets | $18,711,000 | 7,890 |
| Average earning assets | $17,475,250 | 7,859 |
| Average equity | $2,023,500 | 7,918 |
| Average total loans | $9,581,250 | 7,796 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6055% | 4,052 |
| Cost of funding earning assets | 1.4794% | 6,222 |
| Net interest margin | 4.1261% | 2,237 |
| Noninterest income to average assets | 0.6925% | 3,034 |
| Noninterest expense to average assets | 2.8783% | 4,587 |
| Loan and lease loss provision to assets | 0.4978% | 3,047 |
| Net operating income to assets | 0.8657% | 2,588 |
| Return on assets (ROA) | 0.8657% | 2,694 |
| Pretax return on assets | 1.1795% | 2,362 |
| Return on Equity (ROE) | 7.9721% | 2,780 |
| Retained earnings to average equity (ytd only) | 7.9721% | 1,217 |
| Net charge-offs to loans | 0.7448% | 2,192 |
| Credit loss provision to net charge-offs | 127.7778% | 3,640 |
| Earnings coverage of net charge-offs (x) | 4.3056% | 3,141 |
| Efficiency ratio | 63.1829% | 6,059 |
| Assets per employee ($millions) | 2.7059% | 6,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 1,457 |
| Loan loss allowance to noncurrent loans | 769.2308% | 446 |
| Noncurrent assets plus other real estate owned to assets | 1.8320% | 3,426 |
| Noncurrent loans to loans | 0.2680% | 6,858 |
| Net loans and leases to total assets | 50.1716% | 6,858 |
| Net loans and leases to deposits | 56.4646% | 7,130 |
| Net loans and leases to core deposits | 68.7726% | 7,086 |
| Total domestic deposits to total assets | 88.8549% | 1,347 |
| Equity capital to assets | 10.8917% | 3,028 |
| Core capital (leverage) ratio | 11.4281% | 2,120 |
| Tier 1 risk-based capital ratio | 20.0642% | 1,569 |
| Total risk-based capital ratio | 21.3188% | 1,528 |
| Memoranda: | ||
| Average total assets | $18,483,000 | 7,978 |
| Average earning assets | $17,304,330 | 7,938 |
| Average equity | $2,007,000 | 8,002 |
| Average total loans | $9,667,330 | 7,876 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6422% | 4,097 |
| Cost of funding earning assets | 1.5751% | 6,139 |
| Net interest margin | 4.0671% | 2,413 |
| Noninterest income to average assets | 0.6136% | 3,447 |
| Noninterest expense to average assets | 3.3089% | 2,633 |
| Loan and lease loss provision to assets | 0.4821% | 2,552 |
| Net operating income to assets | 0.2849% | 5,353 |
| Return on assets (ROA) | 0.2849% | 5,523 |
| Pretax return on assets | 0.6136% | 4,714 |
| Return on Equity (ROE) | 2.6276% | 5,517 |
| Retained earnings to average equity (ytd only) | 2.6276% | 4,420 |
| Net charge-offs to loans | 0.7047% | 1,777 |
| Credit loss provision to net charge-offs | 129.4118% | 3,097 |
| Earnings coverage of net charge-offs (x) | 2.9412% | 3,327 |
| Efficiency ratio | 75.1244% | 3,636 |
| Assets per employee ($millions) | 2.5049% | 7,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0767% | 1,277 |
| Loan loss allowance to noncurrent loans | 135.4167% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 2.3839% | 2,399 |
| Noncurrent loans to loans | 1.5335% | 3,979 |
| Net loans and leases to total assets | 52.4410% | 6,636 |
| Net loans and leases to deposits | 59.3532% | 6,944 |
| Net loans and leases to core deposits | 69.3125% | 7,063 |
| Total domestic deposits to total assets | 88.3541% | 1,548 |
| Equity capital to assets | 11.3836% | 2,666 |
| Core capital (leverage) ratio | 10.8738% | 2,602 |
| Tier 1 risk-based capital ratio | 20.6092% | 1,504 |
| Total risk-based capital ratio | 21.7037% | 1,500 |
| Memoranda: | ||
| Average total assets | $18,254,000 | 8,031 |
| Average earning assets | $17,014,500 | 7,997 |
| Average equity | $1,979,000 | 8,058 |
| Average total loans | $9,649,500 | 7,926 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6283% | 2,358 |
| Cost of funding earning assets | 2.0536% | 6,223 |
| Net interest margin | 4.5748% | 1,241 |
| Noninterest income to average assets | 0.7571% | 2,744 |
| Noninterest expense to average assets | 3.0960% | 3,705 |
| Loan and lease loss provision to assets | 0.1412% | 5,544 |
| Net operating income to assets | 1.3051% | 1,472 |
| Return on assets (ROA) | 1.3051% | 1,420 |
| Pretax return on assets | 1.6102% | 1,355 |
| Return on Equity (ROE) | 11.8986% | 1,626 |
| Retained earnings to average equity (ytd only) | 4.6358% | 2,239 |
| Net charge-offs to loans | 0.4666% | 2,496 |
| Credit loss provision to net charge-offs | 56.8182% | 6,270 |
| Earnings coverage of net charge-offs (x) | 7.0455% | 3,201 |
| Efficiency ratio | 63.8695% | 5,586 |
| Assets per employee ($millions) | 2.7106% | 6,761 |
| Cash dividends to net income (ytd only)* | 61.0390% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9174% | 1,380 |
| Loan loss allowance to noncurrent loans | 63.1229% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 1.9817% | 2,485 |
| Noncurrent loans to loans | 3.0376% | 1,762 |
| Net loans and leases to total assets | 51.2227% | 6,916 |
| Net loans and leases to deposits | 57.2447% | 7,248 |
| Net loans and leases to core deposits | 69.3175% | 7,230 |
| Total domestic deposits to total assets | 89.4803% | 855 |
| Equity capital to assets | 10.3405% | 3,676 |
| Core capital (leverage) ratio | 10.7213% | 2,798 |
| Tier 1 risk-based capital ratio | 19.0043% | 1,813 |
| Total risk-based capital ratio | 20.2635% | 1,767 |
| Memoranda: | ||
| Average total assets | $17,700,200 | 8,083 |
| Average earning assets | $15,826,000 | 8,079 |
| Average equity | $1,941,400 | 8,130 |
| Average total loans | $9,430,600 | 7,963 |