Home > Farmers and Merchants State Bank of Alpha > Performance and Condition Ratios
Farmers and Merchants State Bank of Alpha, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7961% | 2,480 |
| Cost of funding earning assets | 1.5047% | 1,929 |
| Net interest margin | 3.2914% | 2,659 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.4782% | 2,354 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.6415% | 3,334 |
| Return on assets (ROA) | 0.6213% | 3,369 |
| Pretax return on assets | 0.8610% | 3,065 |
| Return on Equity (ROE) | 5.5200% | 3,620 |
| Retained earnings to average equity (ytd only) | 2.9561% | 3,291 |
| Net charge-offs to loans | 0.0076% | 2,393 |
| Credit loss provision to net charge-offs | -500.0000% | 4,539 |
| Earnings coverage of net charge-offs (x) | 186.5000% | 614 |
| Efficiency ratio | 74.0612% | 1,454 |
| Assets per employee ($millions) | 7.4337% | 1,781 |
| Cash dividends to net income (ytd only)* | 46.4419% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 1,646 |
| Loan loss allowance to noncurrent loans | 154.7009% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 1,069 |
| Noncurrent loans to loans | 0.8606% | 885 |
| Net loans and leases to total assets | 60.1500% | 2,830 |
| Net loans and leases to deposits | 67.8116% | 3,049 |
| Net loans and leases to core deposits | 72.8475% | 3,136 |
| Total domestic deposits to total assets | 88.7000% | 1,156 |
| Equity capital to assets | 11.0623% | 1,445 |
| Core capital (leverage) ratio | 11.9982% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $42,975,200 | 4,372 |
| Average earning assets | $41,137,200 | 4,335 |
| Average equity | $4,837,400 | 4,275 |
| Average total loans | $26,285,200 | 4,196 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6100% | 2,655 |
| Cost of funding earning assets | 1.3009% | 2,141 |
| Net interest margin | 3.3091% | 2,660 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.4274% | 2,444 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.6724% | 3,381 |
| Return on assets (ROA) | 0.6452% | 3,434 |
| Pretax return on assets | 0.8989% | 3,103 |
| Return on Equity (ROE) | 5.7100% | 3,689 |
| Retained earnings to average equity (ytd only) | 2.2715% | 3,674 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.9591% | 1,573 |
| Assets per employee ($millions) | 6.5705% | 2,273 |
| Cash dividends to net income (ytd only)* | 60.1942% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 1,366 |
| Loan loss allowance to noncurrent loans | 54.0084% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.8035% | 174 |
| Noncurrent loans to loans | 2.6304% | 181 |
| Net loans and leases to total assets | 67.5900% | 2,093 |
| Net loans and leases to deposits | 77.2527% | 2,309 |
| Net loans and leases to core deposits | 84.9627% | 2,263 |
| Total domestic deposits to total assets | 87.4900% | 1,738 |
| Equity capital to assets | 12.2517% | 979 |
| Core capital (leverage) ratio | 12.1091% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $42,568,500 | 4,388 |
| Average earning assets | $41,098,250 | 4,355 |
| Average equity | $4,813,250 | 4,283 |
| Average total loans | $26,058,750 | 4,216 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3043% | 3,097 |
| Cost of funding earning assets | 1.0749% | 2,364 |
| Net interest margin | 3.2294% | 2,915 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.3890% | 2,530 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6451% | 3,474 |
| Return on assets (ROA) | 0.6053% | 3,569 |
| Pretax return on assets | 0.8437% | 3,292 |
| Return on Equity (ROE) | 5.4900% | 3,802 |
| Retained earnings to average equity (ytd only) | 0.3328% | 4,016 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.7654% | 1,481 |
| Assets per employee ($millions) | 6.7623% | 2,091 |
| Cash dividends to net income (ytd only)* | 93.9394% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 1,507 |
| Loan loss allowance to noncurrent loans | 52.6020% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.7524% | 174 |
| Noncurrent loans to loans | 2.6752% | 171 |
| Net loans and leases to total assets | 64.5800% | 2,323 |
| Net loans and leases to deposits | 73.3279% | 2,558 |
| Net loans and leases to core deposits | 84.1701% | 2,202 |
| Total domestic deposits to total assets | 88.0700% | 1,576 |
| Equity capital to assets | 11.7415% | 1,119 |
| Core capital (leverage) ratio | 12.4107% | 1,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5151% | 882 |
| Memoranda: | ||
| Average total assets | $43,617,000 | 4,402 |
| Average earning assets | $42,050,667 | 4,371 |
| Average equity | $4,807,667 | 4,308 |
| Average total loans | $25,735,000 | 4,235 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 3,401 |
| Cost of funding earning assets | 0.8163% | 2,676 |
| Net interest margin | 3.2100% | 3,091 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.3217% | 2,760 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6558% | 3,570 |
| Return on assets (ROA) | 0.6558% | 3,525 |
| Pretax return on assets | 0.9127% | 3,201 |
| Return on Equity (ROE) | 6.1300% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.1290% | 2,729 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.7808% | 1,551 |
| Assets per employee ($millions) | 6.9312% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,213 |
| Loan loss allowance to noncurrent loans | 164.0351% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.5482% | 943 |
| Noncurrent loans to loans | 0.9235% | 814 |
| Net loans and leases to total assets | 58.4700% | 2,826 |
| Net loans and leases to deposits | 66.3085% | 2,907 |
| Net loans and leases to core deposits | 71.8515% | 2,828 |
| Total domestic deposits to total assets | 88.1800% | 1,861 |
| Equity capital to assets | 11.6407% | 1,110 |
| Core capital (leverage) ratio | 12.1962% | 1,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $45,138,500 | 4,460 |
| Average earning assets | $43,614,000 | 4,419 |
| Average equity | $4,829,500 | 4,362 |
| Average total loans | $25,314,000 | 4,301 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 2,178 |
| Cost of funding earning assets | 0.4271% | 1,887 |
| Net interest margin | 3.4095% | 2,228 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.5648% | 1,924 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 0.7226% | 3,558 |
| Return on assets (ROA) | 0.7226% | 3,499 |
| Pretax return on assets | 1.0288% | 2,986 |
| Return on Equity (ROE) | 6.4000% | 3,748 |
| Retained earnings to average equity (ytd only) | 4.8114% | 3,137 |
| Net charge-offs to loans | -0.2024% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.8292% | 1,232 |
| Assets per employee ($millions) | 6.9557% | 2,006 |
| Cash dividends to net income (ytd only)* | 24.8344% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 3,092 |
| Loan loss allowance to noncurrent loans | 120.1754% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4683% | 1,083 |
| Noncurrent loans to loans | 0.8790% | 841 |
| Net loans and leases to total assets | 52.7100% | 3,308 |
| Net loans and leases to deposits | 58.5762% | 3,416 |
| Net loans and leases to core deposits | 61.8216% | 3,404 |
| Total domestic deposits to total assets | 89.9800% | 1,374 |
| Equity capital to assets | 9.8953% | 1,761 |
| Core capital (leverage) ratio | 12.2574% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $41,796,000 | 4,513 |
| Average earning assets | $40,034,800 | 4,476 |
| Average equity | $4,718,000 | 4,458 |
| Average total loans | $25,692,600 | 4,314 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 1,441 |
| Cost of funding earning assets | 0.3940% | 1,332 |
| Net interest margin | 3.5249% | 1,592 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.4721% | 2,092 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7819% | 3,322 |
| Return on assets (ROA) | 0.7819% | 3,273 |
| Pretax return on assets | 1.0880% | 2,761 |
| Return on Equity (ROE) | 6.6800% | 3,656 |
| Retained earnings to average equity (ytd only) | 4.5457% | 3,266 |
| Net charge-offs to loans | -0.2705% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.4393% | 1,831 |
| Assets per employee ($millions) | 5.4739% | 3,251 |
| Cash dividends to net income (ytd only)* | 31.9149% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 1,991 |
| Loan loss allowance to noncurrent loans | 136.7089% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.6185% | 856 |
| Noncurrent loans to loans | 0.9569% | 818 |
| Net loans and leases to total assets | 63.7900% | 2,113 |
| Net loans and leases to deposits | 72.8780% | 2,136 |
| Net loans and leases to core deposits | 80.2548% | 1,882 |
| Total domestic deposits to total assets | 87.5400% | 2,582 |
| Equity capital to assets | 12.3366% | 809 |
| Core capital (leverage) ratio | 12.7006% | 992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $40,072,500 | 4,561 |
| Average earning assets | $38,241,250 | 4,529 |
| Average equity | $4,693,000 | 4,504 |
| Average total loans | $25,631,250 | 4,345 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5997% | 1,849 |
| Cost of funding earning assets | 0.3994% | 923 |
| Net interest margin | 3.2003% | 2,185 |
| Noninterest income to average assets | 0.2164% | 3,906 |
| Noninterest expense to average assets | 2.4645% | 2,044 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5952% | 3,639 |
| Return on assets (ROA) | 0.5952% | 3,584 |
| Pretax return on assets | 0.8264% | 3,262 |
| Return on Equity (ROE) | 5.1691% | 3,780 |
| Retained earnings to average equity (ytd only) | 1.9651% | 3,761 |
| Net charge-offs to loans | 0.0077% | 1,711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 594 |
| Efficiency ratio | 74.8879% | 1,406 |
| Assets per employee ($millions) | 5.5496% | 3,175 |
| Cash dividends to net income (ytd only)* | 61.9835% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 3,198 |
| Loan loss allowance to noncurrent loans | 19.6519% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 3.5498% | 37 |
| Noncurrent loans to loans | 5.5538% | 46 |
| Net loans and leases to total assets | 63.2198% | 1,991 |
| Net loans and leases to deposits | 71.9151% | 2,036 |
| Net loans and leases to core deposits | 77.7577% | 1,870 |
| Total domestic deposits to total assets | 87.9090% | 2,610 |
| Equity capital to assets | 12.0370% | 858 |
| Core capital (leverage) ratio | 12.0555% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,657,667 | 4,603 |
| Average earning assets | $39,058,667 | 4,577 |
| Average equity | $4,681,667 | 4,553 |
| Average total loans | $25,919,000 | 4,396 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5263% | 1,720 |
| Cost of funding earning assets | 0.4019% | 860 |
| Net interest margin | 3.1244% | 2,093 |
| Noninterest income to average assets | 0.1829% | 4,066 |
| Noninterest expense to average assets | 2.5407% | 1,780 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4619% | 3,806 |
| Return on assets (ROA) | 0.4619% | 3,769 |
| Pretax return on assets | 0.6352% | 3,542 |
| Return on Equity (ROE) | 4.0986% | 3,850 |
| Retained earnings to average equity (ytd only) | -2.3055% | 4,271 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,155 |
| Assets per employee ($millions) | 5.8207% | 2,978 |
| Cash dividends to net income (ytd only)* | 156.2500% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,455 |
| Loan loss allowance to noncurrent loans | 19.5824% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 3.4090% | 52 |
| Noncurrent loans to loans | 5.4685% | 56 |
| Net loans and leases to total assets | 61.6714% | 1,900 |
| Net loans and leases to deposits | 69.8504% | 1,982 |
| Net loans and leases to core deposits | 77.7427% | 1,636 |
| Total domestic deposits to total assets | 88.2906% | 2,393 |
| Equity capital to assets | 11.3953% | 1,163 |
| Core capital (leverage) ratio | 11.4054% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5496% | 821 |
| Memoranda: | ||
| Average total assets | $41,563,000 | 4,621 |
| Average earning assets | $39,815,500 | 4,592 |
| Average equity | $4,684,500 | 4,593 |
| Average total loans | $26,463,500 | 4,404 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 2,195 |
| Cost of funding earning assets | 0.5470% | 725 |
| Net interest margin | 3.1242% | 2,827 |
| Noninterest income to average assets | 0.3634% | 3,256 |
| Noninterest expense to average assets | 2.4839% | 2,232 |
| Loan and lease loss provision to assets | 0.2185% | 468 |
| Net operating income to assets | 0.4945% | 4,103 |
| Return on assets (ROA) | 0.4945% | 4,144 |
| Pretax return on assets | 0.6693% | 3,997 |
| Return on Equity (ROE) | 4.6448% | 4,072 |
| Retained earnings to average equity (ytd only) | 3.3486% | 3,475 |
| Net charge-offs to loans | 0.4439% | 186 |
| Credit loss provision to net charge-offs | 82.6087% | 1,938 |
| Earnings coverage of net charge-offs (x) | 3.3565% | 2,547 |
| Efficiency ratio | 73.6698% | 1,343 |
| Assets per employee ($millions) | 7.0635% | 1,888 |
| Cash dividends to net income (ytd only)* | 27.9070% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 3,795 |
| Loan loss allowance to noncurrent loans | 20.3593% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 3.1524% | 66 |
| Noncurrent loans to loans | 4.8534% | 76 |
| Net loans and leases to total assets | 64.3095% | 1,665 |
| Net loans and leases to deposits | 72.5156% | 1,865 |
| Net loans and leases to core deposits | 80.4813% | 1,556 |
| Total domestic deposits to total assets | 88.6836% | 1,675 |
| Equity capital to assets | 11.1512% | 1,700 |
| Core capital (leverage) ratio | 11.2155% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4966% | 967 |
| Memoranda: | ||
| Average total assets | $43,480,400 | 4,625 |
| Average earning assets | $41,867,200 | 4,597 |
| Average equity | $4,628,800 | 4,660 |
| Average total loans | $25,904,200 | 4,461 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7171% | 2,228 |
| Cost of funding earning assets | 0.5852% | 685 |
| Net interest margin | 3.1319% | 2,957 |
| Noninterest income to average assets | 0.1493% | 4,447 |
| Noninterest expense to average assets | 2.3829% | 2,491 |
| Loan and lease loss provision to assets | 0.2903% | 280 |
| Net operating income to assets | 0.3565% | 4,440 |
| Return on assets (ROA) | 0.3565% | 4,469 |
| Pretax return on assets | 0.4936% | 4,379 |
| Return on Equity (ROE) | 3.3879% | 4,403 |
| Retained earnings to average equity (ytd only) | 1.6505% | 4,283 |
| Net charge-offs to loans | 0.6066% | 130 |
| Credit loss provision to net charge-offs | 81.8966% | 1,707 |
| Earnings coverage of net charge-offs (x) | 2.2155% | 2,358 |
| Efficiency ratio | 75.2647% | 1,093 |
| Assets per employee ($millions) | 5.9309% | 2,760 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 3,649 |
| Loan loss allowance to noncurrent loans | 19.4105% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 3.3553% | 62 |
| Noncurrent loans to loans | 5.4249% | 67 |
| Net loans and leases to total assets | 61.1114% | 2,124 |
| Net loans and leases to deposits | 68.9074% | 2,342 |
| Net loans and leases to core deposits | 80.2727% | 1,706 |
| Total domestic deposits to total assets | 88.6863% | 1,470 |
| Equity capital to assets | 11.1716% | 1,907 |
| Core capital (leverage) ratio | 11.2493% | 1,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8584% | 839 |
| Memoranda: | ||
| Average total assets | $43,755,250 | 4,690 |
| Average earning assets | $42,146,250 | 4,657 |
| Average equity | $4,604,500 | 4,730 |
| Average total loans | $25,498,500 | 4,520 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8220% | 2,010 |
| Cost of funding earning assets | 0.6160% | 683 |
| Net interest margin | 3.2060% | 2,734 |
| Noninterest income to average assets | 0.1303% | 4,554 |
| Noninterest expense to average assets | 2.4044% | 2,450 |
| Loan and lease loss provision to assets | 0.4270% | 135 |
| Net operating income to assets | 0.2831% | 4,543 |
| Return on assets (ROA) | 0.2831% | 4,562 |
| Pretax return on assets | 0.3865% | 4,514 |
| Return on Equity (ROE) | 2.7431% | 4,518 |
| Retained earnings to average equity (ytd only) | 0.1306% | 4,492 |
| Net charge-offs to loans | 1.0530% | 74 |
| Credit loss provision to net charge-offs | 70.8955% | 1,520 |
| Earnings coverage of net charge-offs (x) | 1.3507% | 2,173 |
| Efficiency ratio | 74.7207% | 1,182 |
| Assets per employee ($millions) | 6.0690% | 2,543 |
| Cash dividends to net income (ytd only)* | 95.2381% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,899 |
| Loan loss allowance to noncurrent loans | 13.0010% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 4.6230% | 44 |
| Noncurrent loans to loans | 7.5147% | 34 |
| Net loans and leases to total assets | 60.3606% | 2,384 |
| Net loans and leases to deposits | 67.8081% | 2,635 |
| Net loans and leases to core deposits | 78.6257% | 1,994 |
| Total domestic deposits to total assets | 89.0168% | 1,277 |
| Equity capital to assets | 10.7949% | 2,153 |
| Core capital (leverage) ratio | 10.8396% | 1,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9160% | 820 |
| Memoranda: | ||
| Average total assets | $44,501,667 | 4,714 |
| Average earning assets | $42,857,333 | 4,674 |
| Average equity | $4,593,333 | 4,760 |
| Average total loans | $25,451,000 | 4,559 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1421% | 1,297 |
| Cost of funding earning assets | 0.6569% | 664 |
| Net interest margin | 3.4852% | 1,862 |
| Noninterest income to average assets | 0.1230% | 4,580 |
| Noninterest expense to average assets | 2.4082% | 2,470 |
| Loan and lease loss provision to assets | 0.8350% | 55 |
| Net operating income to assets | 0.1758% | 4,652 |
| Return on assets (ROA) | 0.1758% | 4,676 |
| Pretax return on assets | 0.2373% | 4,653 |
| Return on Equity (ROE) | 1.7403% | 4,634 |
| Retained earnings to average equity (ytd only) | 1.7403% | 4,066 |
| Net charge-offs to loans | 2.1246% | 34 |
| Credit loss provision to net charge-offs | 70.8955% | 1,246 |
| Earnings coverage of net charge-offs (x) | 0.9104% | 1,874 |
| Efficiency ratio | 69.1919% | 1,792 |
| Assets per employee ($millions) | 6.0629% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 3,808 |
| Loan loss allowance to noncurrent loans | 17.5487% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 3.4260% | 78 |
| Noncurrent loans to loans | 5.7394% | 60 |
| Net loans and leases to total assets | 58.3600% | 2,761 |
| Net loans and leases to deposits | 65.6436% | 2,956 |
| Net loans and leases to core deposits | 76.1226% | 2,343 |
| Total domestic deposits to total assets | 88.9043% | 1,387 |
| Equity capital to assets | 10.8553% | 1,964 |
| Core capital (leverage) ratio | 11.2891% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3521% | 747 |
| Memoranda: | ||
| Average total assets | $45,511,000 | 4,719 |
| Average earning assets | $43,842,000 | 4,684 |
| Average equity | $4,597,000 | 4,783 |
| Average total loans | $25,228,500 | 4,588 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8914% | 3,050 |
| Cost of funding earning assets | 0.9240% | 789 |
| Net interest margin | 2.9674% | 3,967 |
| Noninterest income to average assets | 0.1956% | 4,303 |
| Noninterest expense to average assets | 2.4344% | 3,038 |
| Loan and lease loss provision to assets | 0.1150% | 2,913 |
| Net operating income to assets | 0.3405% | 4,374 |
| Return on assets (ROA) | 0.3405% | 4,437 |
| Pretax return on assets | 0.4763% | 4,310 |
| Return on Equity (ROE) | 3.2636% | 4,313 |
| Retained earnings to average equity (ytd only) | 2.4477% | 3,634 |
| Net charge-offs to loans | 0.1657% | 1,000 |
| Credit loss provision to net charge-offs | 119.0476% | 2,642 |
| Earnings coverage of net charge-offs (x) | 6.1190% | 2,806 |
| Efficiency ratio | 80.4563% | 857 |
| Assets per employee ($millions) | 6.0728% | 2,279 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 3,218 |
| Loan loss allowance to noncurrent loans | 46.2758% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.3359% | 593 |
| Noncurrent loans to loans | 2.4806% | 410 |
| Net loans and leases to total assets | 51.7579% | 3,682 |
| Net loans and leases to deposits | 57.2688% | 3,928 |
| Net loans and leases to core deposits | 65.1999% | 3,617 |
| Total domestic deposits to total assets | 90.3771% | 426 |
| Equity capital to assets | 9.4418% | 3,668 |
| Core capital (leverage) ratio | 11.5977% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0205% | 765 |
| Memoranda: | ||
| Average total assets | $43,461,200 | 4,727 |
| Average earning assets | $41,450,600 | 4,701 |
| Average equity | $4,534,800 | 4,799 |
| Average total loans | $25,350,000 | 4,610 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0668% | 2,768 |
| Cost of funding earning assets | 0.9984% | 763 |
| Net interest margin | 3.0684% | 3,815 |
| Noninterest income to average assets | 0.1865% | 4,355 |
| Noninterest expense to average assets | 2.5003% | 2,850 |
| Loan and lease loss provision to assets | 0.0308% | 3,949 |
| Net operating income to assets | 0.4109% | 4,244 |
| Return on assets (ROA) | 0.4109% | 4,307 |
| Pretax return on assets | 0.5690% | 4,158 |
| Return on Equity (ROE) | 3.8332% | 4,196 |
| Retained earnings to average equity (ytd only) | 2.7422% | 3,629 |
| Net charge-offs to loans | 0.0316% | 2,199 |
| Credit loss provision to net charge-offs | 166.6667% | 2,239 |
| Earnings coverage of net charge-offs (x) | 31.6667% | 1,533 |
| Efficiency ratio | 80.6320% | 830 |
| Assets per employee ($millions) | 4.8486% | 3,431 |
| Cash dividends to net income (ytd only)* | 28.4615% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 2,949 |
| Loan loss allowance to noncurrent loans | 39.1304% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 2.1192% | 290 |
| Noncurrent loans to loans | 2.9329% | 321 |
| Net loans and leases to total assets | 63.9537% | 2,777 |
| Net loans and leases to deposits | 72.6924% | 3,072 |
| Net loans and leases to core deposits | 86.1444% | 2,289 |
| Total domestic deposits to total assets | 87.9786% | 1,223 |
| Equity capital to assets | 11.7843% | 1,816 |
| Core capital (leverage) ratio | 11.3267% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5470% | 965 |
| Memoranda: | ||
| Average total assets | $42,181,000 | 4,765 |
| Average earning assets | $40,063,000 | 4,741 |
| Average equity | $4,521,750 | 4,825 |
| Average total loans | $25,328,250 | 4,634 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0695% | 3,130 |
| Cost of funding earning assets | 1.0149% | 944 |
| Net interest margin | 3.0545% | 4,001 |
| Noninterest income to average assets | 0.1986% | 4,280 |
| Noninterest expense to average assets | 2.4658% | 3,056 |
| Loan and lease loss provision to assets | 0.0462% | 3,720 |
| Net operating income to assets | 0.4202% | 4,186 |
| Return on assets (ROA) | 0.4202% | 4,249 |
| Pretax return on assets | 0.5772% | 4,101 |
| Return on Equity (ROE) | 4.0397% | 4,092 |
| Retained earnings to average equity (ytd only) | 2.3528% | 3,624 |
| Net charge-offs to loans | 0.0551% | 1,708 |
| Credit loss provision to net charge-offs | 142.8571% | 2,161 |
| Earnings coverage of net charge-offs (x) | 19.2857% | 1,732 |
| Efficiency ratio | 79.8206% | 903 |
| Assets per employee ($millions) | 4.4209% | 3,887 |
| Cash dividends to net income (ytd only)* | 41.7582% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 2,797 |
| Loan loss allowance to noncurrent loans | 35.1285% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 2.5033% | 225 |
| Noncurrent loans to loans | 3.2637% | 267 |
| Net loans and leases to total assets | 62.1946% | 3,107 |
| Net loans and leases to deposits | 70.4452% | 3,385 |
| Net loans and leases to core deposits | 86.2591% | 2,416 |
| Total domestic deposits to total assets | 88.2879% | 1,045 |
| Equity capital to assets | 11.3879% | 2,050 |
| Core capital (leverage) ratio | 11.3625% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5665% | 837 |
| Memoranda: | ||
| Average total assets | $43,311,667 | 4,770 |
| Average earning assets | $40,988,333 | 4,749 |
| Average equity | $4,505,333 | 4,852 |
| Average total loans | $25,406,000 | 4,658 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8378% | 4,157 |
| Cost of funding earning assets | 1.0104% | 1,376 |
| Net interest margin | 2.8274% | 4,542 |
| Noninterest income to average assets | 0.1952% | 4,379 |
| Noninterest expense to average assets | 2.5203% | 3,214 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2929% | 4,363 |
| Return on assets (ROA) | 0.2929% | 4,385 |
| Pretax return on assets | 0.3816% | 4,327 |
| Return on Equity (ROE) | 2.9382% | 4,232 |
| Retained earnings to average equity (ytd only) | 2.9382% | 3,110 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8502% | 645 |
| Assets per employee ($millions) | 5.0571% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 2,993 |
| Loan loss allowance to noncurrent loans | 31.2775% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 2.9463% | 202 |
| Noncurrent loans to loans | 3.6429% | 245 |
| Net loans and leases to total assets | 60.9066% | 3,411 |
| Net loans and leases to deposits | 68.7490% | 3,680 |
| Net loans and leases to core deposits | 83.8101% | 2,868 |
| Total domestic deposits to total assets | 88.5928% | 840 |
| Equity capital to assets | 11.1452% | 2,734 |
| Core capital (leverage) ratio | 11.1353% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7593% | 1,018 |
| Memoranda: | ||
| Average total assets | $45,073,500 | 4,781 |
| Average earning assets | $43,149,500 | 4,755 |
| Average equity | $4,492,500 | 4,896 |
| Average total loans | $25,592,500 | 4,681 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 3,910 |
| Cost of funding earning assets | 1.1299% | 1,228 |
| Net interest margin | 3.0292% | 4,487 |
| Noninterest income to average assets | 0.1854% | 4,559 |
| Noninterest expense to average assets | 2.3686% | 3,777 |
| Loan and lease loss provision to assets | 0.4577% | 295 |
| Net operating income to assets | 0.1785% | 4,856 |
| Return on assets (ROA) | 0.1785% | 4,878 |
| Pretax return on assets | 0.2426% | 4,858 |
| Return on Equity (ROE) | 1.7336% | 4,828 |
| Retained earnings to average equity (ytd only) | 0.2223% | 4,625 |
| Net charge-offs to loans | 0.8273% | 199 |
| Credit loss provision to net charge-offs | 90.0901% | 2,653 |
| Earnings coverage of net charge-offs (x) | 1.3784% | 3,549 |
| Efficiency ratio | 77.1812% | 1,242 |
| Assets per employee ($millions) | 6.2113% | 1,477 |
| Cash dividends to net income (ytd only)* | 87.1795% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 3,051 |
| Loan loss allowance to noncurrent loans | 18.2754% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 3.7070% | 116 |
| Noncurrent loans to loans | 5.9177% | 70 |
| Net loans and leases to total assets | 52.2761% | 4,204 |
| Net loans and leases to deposits | 57.5760% | 4,388 |
| Net loans and leases to core deposits | 66.2552% | 4,179 |
| Total domestic deposits to total assets | 90.7949% | 148 |
| Equity capital to assets | 9.0078% | 4,681 |
| Core capital (leverage) ratio | 11.4584% | 2,143 |
| Tier 1 risk-based capital ratio | 16.8627% | 2,097 |
| Total risk-based capital ratio | 17.9336% | 2,095 |
| Memoranda: | ||
| Average total assets | $43,697,400 | 4,846 |
| Average earning assets | $41,595,800 | 4,821 |
| Average equity | $4,499,400 | 4,942 |
| Average total loans | $26,835,600 | 4,714 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 3,333 |
| Cost of funding earning assets | 1.1809% | 1,080 |
| Net interest margin | 3.2257% | 4,243 |
| Noninterest income to average assets | 0.1991% | 4,524 |
| Noninterest expense to average assets | 2.4013% | 3,680 |
| Loan and lease loss provision to assets | 0.1580% | 1,192 |
| Net operating income to assets | 0.5055% | 4,504 |
| Return on assets (ROA) | 0.5055% | 4,550 |
| Pretax return on assets | 0.6951% | 4,352 |
| Return on Equity (ROE) | 4.7351% | 4,408 |
| Retained earnings to average equity (ytd only) | 2.7226% | 4,005 |
| Net charge-offs to loans | 0.2817% | 621 |
| Credit loss provision to net charge-offs | 87.7193% | 2,421 |
| Earnings coverage of net charge-offs (x) | 4.7367% | 2,979 |
| Efficiency ratio | 73.7864% | 1,603 |
| Assets per employee ($millions) | 4.7910% | 2,804 |
| Cash dividends to net income (ytd only)* | 42.4975% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 2,999 |
| Loan loss allowance to noncurrent loans | 21.4491% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 4.6467% | 86 |
| Noncurrent loans to loans | 5.1584% | 101 |
| Net loans and leases to total assets | 69.7271% | 2,512 |
| Net loans and leases to deposits | 79.7214% | 2,930 |
| Net loans and leases to core deposits | 96.7281% | 1,942 |
| Total domestic deposits to total assets | 87.4635% | 1,278 |
| Equity capital to assets | 11.8921% | 2,334 |
| Core capital (leverage) ratio | 11.6963% | 2,079 |
| Tier 1 risk-based capital ratio | 17.0160% | 2,079 |
| Total risk-based capital ratio | 18.1329% | 2,061 |
| Memoranda: | ||
| Average total assets | $42,199,250 | 4,937 |
| Average earning assets | $39,969,500 | 4,913 |
| Average equity | $4,505,250 | 5,008 |
| Average total loans | $26,979,500 | 4,775 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 3,662 |
| Cost of funding earning assets | 1.1331% | 1,187 |
| Net interest margin | 3.1572% | 4,445 |
| Noninterest income to average assets | 0.1886% | 4,627 |
| Noninterest expense to average assets | 2.3730% | 3,810 |
| Loan and lease loss provision to assets | 0.2299% | 712 |
| Net operating income to assets | 0.4277% | 4,685 |
| Return on assets (ROA) | 0.4277% | 4,705 |
| Pretax return on assets | 0.5840% | 4,573 |
| Return on Equity (ROE) | 4.1447% | 4,548 |
| Retained earnings to average equity (ytd only) | 1.1142% | 4,406 |
| Net charge-offs to loans | 0.3189% | 534 |
| Credit loss provision to net charge-offs | 116.2791% | 1,789 |
| Earnings coverage of net charge-offs (x) | 4.1163% | 2,762 |
| Efficiency ratio | 74.4589% | 1,586 |
| Assets per employee ($millions) | 5.1130% | 2,342 |
| Cash dividends to net income (ytd only)* | 73.1183% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 2,577 |
| Loan loss allowance to noncurrent loans | 38.8820% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 2.9141% | 215 |
| Noncurrent loans to loans | 3.0613% | 327 |
| Net loans and leases to total assets | 63.5219% | 3,395 |
| Net loans and leases to deposits | 71.8517% | 3,700 |
| Net loans and leases to core deposits | 84.4070% | 3,074 |
| Total domestic deposits to total assets | 88.4070% | 918 |
| Equity capital to assets | 10.9720% | 3,096 |
| Core capital (leverage) ratio | 9.9235% | 3,672 |
| Tier 1 risk-based capital ratio | 16.9174% | 2,112 |
| Total risk-based capital ratio | 18.0975% | 2,074 |
| Memoranda: | ||
| Average total assets | $43,489,670 | 4,959 |
| Average earning assets | $41,302,330 | 4,937 |
| Average equity | $4,487,670 | 5,044 |
| Average total loans | $26,964,670 | 4,811 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9973% | 4,370 |
| Cost of funding earning assets | 1.0584% | 1,345 |
| Net interest margin | 2.9389% | 4,838 |
| Noninterest income to average assets | 0.1697% | 4,724 |
| Noninterest expense to average assets | 2.2241% | 4,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5270% | 4,442 |
| Return on assets (ROA) | 0.5270% | 4,462 |
| Pretax return on assets | 0.7235% | 4,246 |
| Return on Equity (ROE) | 5.2591% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.2591% | 2,797 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4545% | 1,561 |
| Assets per employee ($millions) | 5.1698% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 2,756 |
| Loan loss allowance to noncurrent loans | 40.0000% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 2.7854% | 239 |
| Noncurrent loans to loans | 2.9192% | 385 |
| Net loans and leases to total assets | 62.6239% | 3,445 |
| Net loans and leases to deposits | 70.8076% | 3,706 |
| Net loans and leases to core deposits | 82.9836% | 3,113 |
| Total domestic deposits to total assets | 88.4424% | 1,113 |
| Equity capital to assets | 10.9265% | 2,922 |
| Core capital (leverage) ratio | 11.0983% | 2,481 |
| Tier 1 risk-based capital ratio | 16.6642% | 2,208 |
| Total risk-based capital ratio | 17.7921% | 2,201 |
| Memoranda: | ||
| Average total assets | $44,782,500 | 4,997 |
| Average earning assets | $42,329,000 | 4,970 |
| Average equity | $4,487,500 | 5,089 |
| Average total loans | $27,299,000 | 4,859 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2539% | 5,111 |
| Cost of funding earning assets | 0.5820% | 2,840 |
| Net interest margin | 2.6719% | 5,116 |
| Noninterest income to average assets | 0.1209% | 5,077 |
| Noninterest expense to average assets | 1.7236% | 5,069 |
| Loan and lease loss provision to assets | 0.3676% | 401 |
| Net operating income to assets | 0.4346% | 4,799 |
| Return on assets (ROA) | 0.4346% | 4,796 |
| Pretax return on assets | 0.6176% | 4,601 |
| Return on Equity (ROE) | 6.0576% | 4,152 |
| Retained earnings to average equity (ytd only) | 4.3496% | 3,148 |
| Net charge-offs to loans | 0.9329% | 165 |
| Credit loss provision to net charge-offs | 88.5827% | 2,741 |
| Earnings coverage of net charge-offs (x) | 2.3740% | 3,528 |
| Efficiency ratio | 63.6309% | 3,238 |
| Assets per employee ($millions) | 6.0259% | 1,498 |
| Cash dividends to net income (ytd only)* | 28.1955% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 3,234 |
| Loan loss allowance to noncurrent loans | 56.0440% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.9541% | 495 |
| Noncurrent loans to loans | 1.9231% | 713 |
| Net loans and leases to total assets | 58.2612% | 3,937 |
| Net loans and leases to deposits | 64.5804% | 4,216 |
| Net loans and leases to core deposits | 73.1654% | 3,913 |
| Total domestic deposits to total assets | 90.2151% | 411 |
| Equity capital to assets | 9.2435% | 4,372 |
| Core capital (leverage) ratio | 11.1355% | 2,407 |
| Tier 1 risk-based capital ratio | 15.8440% | 2,470 |
| Total risk-based capital ratio | 16.9306% | 2,469 |
| Memoranda: | ||
| Average total assets | $61,209,400 | 4,739 |
| Average earning assets | $59,283,000 | 4,681 |
| Average equity | $4,391,200 | 5,122 |
| Average total loans | $27,227,200 | 4,882 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1752% | 5,207 |
| Cost of funding earning assets | 0.5076% | 3,145 |
| Net interest margin | 2.6676% | 5,188 |
| Noninterest income to average assets | 0.1303% | 5,107 |
| Noninterest expense to average assets | 1.5617% | 5,239 |
| Loan and lease loss provision to assets | 0.3930% | 321 |
| Net operating income to assets | 0.5854% | 4,539 |
| Return on assets (ROA) | 0.5854% | 4,550 |
| Pretax return on assets | 0.7736% | 4,363 |
| Return on Equity (ROE) | 8.6245% | 3,277 |
| Retained earnings to average equity (ytd only) | 6.3390% | 2,466 |
| Net charge-offs to loans | 1.0692% | 129 |
| Credit loss provision to net charge-offs | 87.9630% | 2,442 |
| Earnings coverage of net charge-offs (x) | 2.6111% | 3,230 |
| Efficiency ratio | 57.2403% | 4,216 |
| Assets per employee ($millions) | 4.9444% | 2,543 |
| Cash dividends to net income (ytd only)* | 26.5027% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 3,021 |
| Loan loss allowance to noncurrent loans | 48.9699% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 2.5989% | 329 |
| Noncurrent loans to loans | 2.3081% | 591 |
| Net loans and leases to total assets | 68.3352% | 2,888 |
| Net loans and leases to deposits | 78.0943% | 3,227 |
| Net loans and leases to core deposits | 91.7360% | 2,504 |
| Total domestic deposits to total assets | 87.5035% | 1,484 |
| Equity capital to assets | 11.2982% | 2,396 |
| Core capital (leverage) ratio | 10.4454% | 3,134 |
| Tier 1 risk-based capital ratio | 16.5045% | 2,272 |
| Total risk-based capital ratio | 17.6432% | 2,246 |
| Memoranda: | ||
| Average total assets | $64,460,000 | 4,732 |
| Average earning assets | $62,776,750 | 4,659 |
| Average equity | $4,375,000 | 5,188 |
| Average total loans | $26,936,000 | 4,946 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9396% | 5,352 |
| Cost of funding earning assets | 0.4280% | 3,513 |
| Net interest margin | 2.5116% | 5,337 |
| Noninterest income to average assets | 0.1099% | 5,236 |
| Noninterest expense to average assets | 1.4376% | 5,374 |
| Loan and lease loss provision to assets | 0.5223% | 216 |
| Net operating income to assets | 0.4370% | 4,880 |
| Return on assets (ROA) | 0.4370% | 4,887 |
| Pretax return on assets | 0.6020% | 4,736 |
| Return on Equity (ROE) | 7.3210% | 3,789 |
| Retained earnings to average equity (ytd only) | 3.8677% | 3,670 |
| Net charge-offs to loans | 1.6118% | 75 |
| Credit loss provision to net charge-offs | 87.9630% | 2,185 |
| Earnings coverage of net charge-offs (x) | 1.8935% | 3,018 |
| Efficiency ratio | 56.1159% | 4,463 |
| Assets per employee ($millions) | 6.5541% | 1,153 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 2,918 |
| Loan loss allowance to noncurrent loans | 51.7588% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.8958% | 583 |
| Noncurrent loans to loans | 2.2455% | 612 |
| Net loans and leases to total assets | 50.1154% | 4,602 |
| Net loans and leases to deposits | 54.8741% | 4,808 |
| Net loans and leases to core deposits | 60.9703% | 4,658 |
| Total domestic deposits to total assets | 91.3280% | 184 |
| Equity capital to assets | 8.2944% | 5,079 |
| Core capital (leverage) ratio | 7.0228% | 5,483 |
| Tier 1 risk-based capital ratio | 16.4228% | 2,282 |
| Total risk-based capital ratio | 17.5881% | 2,261 |
| Memoranda: | ||
| Average total assets | $72,761,670 | 4,641 |
| Average earning assets | $71,029,330 | 4,568 |
| Average equity | $4,343,670 | 5,251 |
| Average total loans | $26,801,670 | 4,998 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6298% | 5,501 |
| Cost of funding earning assets | 0.3503% | 3,989 |
| Net interest margin | 2.2795% | 5,480 |
| Noninterest income to average assets | 0.1061% | 5,303 |
| Noninterest expense to average assets | 1.3120% | 5,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7380% | 3,952 |
| Return on assets (ROA) | 0.7380% | 3,955 |
| Pretax return on assets | 1.0226% | 3,454 |
| Return on Equity (ROE) | 14.0981% | 993 |
| Retained earnings to average equity (ytd only) | 14.0981% | 401 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1983% | 4,555 |
| Assets per employee ($millions) | 8.8394% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,500 |
| Loan loss allowance to noncurrent loans | 30.2347% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 2.1283% | 506 |
| Noncurrent loans to loans | 4.1445% | 233 |
| Net loans and leases to total assets | 37.3315% | 5,165 |
| Net loans and leases to deposits | 39.9537% | 5,263 |
| Net loans and leases to core deposits | 43.0702% | 5,237 |
| Total domestic deposits to total assets | 93.4370% | 28 |
| Equity capital to assets | 6.2448% | 5,561 |
| Core capital (leverage) ratio | 5.5699% | 5,581 |
| Tier 1 risk-based capital ratio | 16.3694% | 2,333 |
| Total risk-based capital ratio | 17.6090% | 2,277 |
| Memoranda: | ||
| Average total assets | $82,926,000 | 4,519 |
| Average earning assets | $81,070,500 | 4,431 |
| Average equity | $4,341,000 | 5,308 |
| Average total loans | $26,909,500 | 5,045 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4254% | 5,572 |
| Cost of funding earning assets | 0.3624% | 3,595 |
| Net interest margin | 2.0629% | 5,564 |
| Noninterest income to average assets | 0.1192% | 5,344 |
| Noninterest expense to average assets | 1.4557% | 5,499 |
| Loan and lease loss provision to assets | 0.1703% | 1,289 |
| Net operating income to assets | 0.3646% | 4,798 |
| Return on assets (ROA) | 0.3646% | 4,817 |
| Pretax return on assets | 0.5122% | 4,911 |
| Return on Equity (ROE) | 6.1005% | 3,721 |
| Retained earnings to average equity (ytd only) | 4.6762% | 2,337 |
| Net charge-offs to loans | 0.5129% | 457 |
| Credit loss provision to net charge-offs | 88.8889% | 2,808 |
| Earnings coverage of net charge-offs (x) | 3.5630% | 3,587 |
| Efficiency ratio | 68.0823% | 2,882 |
| Assets per employee ($millions) | 11.8921% | 191 |
| Cash dividends to net income (ytd only)* | 23.3463% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 2,555 |
| Loan loss allowance to noncurrent loans | 43.2258% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.2319% | 1,186 |
| Noncurrent loans to loans | 2.8614% | 403 |
| Net loans and leases to total assets | 28.1173% | 5,464 |
| Net loans and leases to deposits | 29.4922% | 5,527 |
| Net loans and leases to core deposits | 31.7892% | 5,508 |
| Total domestic deposits to total assets | 95.3383% | 3 |
| Equity capital to assets | 4.4841% | 5,656 |
| Core capital (leverage) ratio | 10.7312% | 2,609 |
| Tier 1 risk-based capital ratio | 15.5484% | 2,607 |
| Total risk-based capital ratio | 16.7680% | 2,558 |
| Memoranda: | ||
| Average total assets | $70,482,400 | 4,768 |
| Average earning assets | $68,979,600 | 4,685 |
| Average equity | $4,212,800 | 5,390 |
| Average total loans | $26,319,600 | 5,117 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7705% | 5,530 |
| Cost of funding earning assets | 0.3818% | 3,361 |
| Net interest margin | 2.3886% | 5,532 |
| Noninterest income to average assets | 0.1658% | 5,188 |
| Noninterest expense to average assets | 1.5485% | 5,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5846% | 4,441 |
| Return on assets (ROA) | 0.5846% | 4,481 |
| Pretax return on assets | 0.9515% | 3,860 |
| Return on Equity (ROE) | 8.9532% | 2,628 |
| Retained earnings to average equity (ytd only) | 7.0482% | 1,667 |
| Net charge-offs to loans | -0.0051% | 4,463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9403% | 3,893 |
| Assets per employee ($millions) | 4.6906% | 2,847 |
| Cash dividends to net income (ytd only)* | 21.2772% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 2,157 |
| Loan loss allowance to noncurrent loans | 36.1483% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 3.7335% | 185 |
| Noncurrent loans to loans | 3.7111% | 285 |
| Net loans and leases to total assets | 68.7915% | 2,727 |
| Net loans and leases to deposits | 79.2108% | 3,045 |
| Net loans and leases to core deposits | 92.8327% | 2,366 |
| Total domestic deposits to total assets | 86.8461% | 1,934 |
| Equity capital to assets | 11.4590% | 2,413 |
| Core capital (leverage) ratio | 9.7477% | 3,883 |
| Tier 1 risk-based capital ratio | 16.0450% | 2,483 |
| Total risk-based capital ratio | 17.2921% | 2,422 |
| Memoranda: | ||
| Average total assets | $64,318,750 | 4,925 |
| Average earning assets | $62,851,750 | 4,856 |
| Average equity | $4,199,500 | 5,452 |
| Average total loans | $26,128,250 | 5,177 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4542% | 5,671 |
| Cost of funding earning assets | 0.3231% | 3,858 |
| Net interest margin | 2.1310% | 5,664 |
| Noninterest income to average assets | 0.1529% | 5,295 |
| Noninterest expense to average assets | 1.3788% | 5,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5297% | 4,614 |
| Return on assets (ROA) | 0.5297% | 4,643 |
| Pretax return on assets | 0.8628% | 4,069 |
| Return on Equity (ROE) | 9.3135% | 2,352 |
| Retained earnings to average equity (ytd only) | 9.3135% | 756 |
| Net charge-offs to loans | -0.0077% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5104% | 4,081 |
| Assets per employee ($millions) | 6.1736% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 2,235 |
| Loan loss allowance to noncurrent loans | 32.8037% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 3.0371% | 300 |
| Noncurrent loans to loans | 4.0815% | 231 |
| Net loans and leases to total assets | 52.3700% | 4,538 |
| Net loans and leases to deposits | 57.6250% | 4,766 |
| Net loans and leases to core deposits | 64.0746% | 4,601 |
| Total domestic deposits to total assets | 90.8806% | 252 |
| Equity capital to assets | 8.6477% | 5,188 |
| Core capital (leverage) ratio | 7.4325% | 5,667 |
| Tier 1 risk-based capital ratio | 16.0140% | 2,502 |
| Total risk-based capital ratio | 17.2631% | 2,440 |
| Memoranda: | ||
| Average total assets | $73,250,000 | 4,799 |
| Average earning assets | $71,795,670 | 4,700 |
| Average equity | $4,166,000 | 5,498 |
| Average total loans | $26,116,000 | 5,217 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1041% | 5,787 |
| Cost of funding earning assets | 0.2720% | 4,335 |
| Net interest margin | 1.8322% | 5,783 |
| Noninterest income to average assets | 0.1503% | 5,363 |
| Noninterest expense to average assets | 1.2303% | 5,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4461% | 4,795 |
| Return on assets (ROA) | 0.4461% | 4,817 |
| Pretax return on assets | 0.7232% | 4,375 |
| Return on Equity (ROE) | 9.2379% | 2,300 |
| Retained earnings to average equity (ytd only) | 9.2379% | 1,004 |
| Net charge-offs to loans | -0.0153% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9808% | 3,993 |
| Assets per employee ($millions) | 8.4936% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 2,174 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.2936% | 1,314 |
| Noncurrent loans to loans | 2.2973% | 720 |
| Net loans and leases to total assets | 36.9601% | 5,369 |
| Net loans and leases to deposits | 39.4918% | 5,485 |
| Net loans and leases to core deposits | 42.1531% | 5,461 |
| Total domestic deposits to total assets | 93.5893% | 23 |
| Equity capital to assets | 6.1296% | 5,806 |
| Core capital (leverage) ratio | 5.4323% | 5,824 |
| Tier 1 risk-based capital ratio | 16.3004% | 2,432 |
| Total risk-based capital ratio | 17.5516% | 2,377 |
| Memoranda: | ||
| Average total assets | $85,180,500 | 4,621 |
| Average earning assets | $83,835,000 | 4,511 |
| Average equity | $4,113,500 | 5,561 |
| Average total loans | $26,066,000 | 5,271 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4567% | 5,771 |
| Cost of funding earning assets | 0.3671% | 3,341 |
| Net interest margin | 2.0895% | 5,789 |
| Noninterest income to average assets | 0.2036% | 5,193 |
| Noninterest expense to average assets | 1.6105% | 5,643 |
| Loan and lease loss provision to assets | 0.0387% | 3,600 |
| Net operating income to assets | 0.3803% | 5,007 |
| Return on assets (ROA) | 0.3803% | 5,088 |
| Pretax return on assets | 0.6042% | 4,778 |
| Return on Equity (ROE) | 5.6528% | 4,135 |
| Retained earnings to average equity (ytd only) | 4.3272% | 2,823 |
| Net charge-offs to loans | 0.2379% | 1,173 |
| Credit loss provision to net charge-offs | 38.9831% | 3,503 |
| Earnings coverage of net charge-offs (x) | 6.4746% | 3,170 |
| Efficiency ratio | 71.4712% | 2,673 |
| Assets per employee ($millions) | 12.8015% | 138 |
| Cash dividends to net income (ytd only)* | 23.4513% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 2,479 |
| Loan loss allowance to noncurrent loans | 70.7071% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 0.7704% | 2,426 |
| Noncurrent loans to loans | 1.8562% | 1,010 |
| Net loans and leases to total assets | 25.6972% | 5,735 |
| Net loans and leases to deposits | 26.7931% | 5,775 |
| Net loans and leases to core deposits | 28.4785% | 5,770 |
| Total domestic deposits to total assets | 95.9097% | 7 |
| Equity capital to assets | 3.9663% | 5,890 |
| Core capital (leverage) ratio | 10.5137% | 2,867 |
| Tier 1 risk-based capital ratio | 15.1021% | 2,922 |
| Total risk-based capital ratio | 16.3510% | 2,854 |
| Memoranda: | ||
| Average total assets | $59,420,800 | 5,156 |
| Average earning assets | $58,290,200 | 5,063 |
| Average equity | $3,998,000 | 5,645 |
| Average total loans | $24,799,800 | 5,360 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0135% | 5,557 |
| Cost of funding earning assets | 0.4257% | 2,770 |
| Net interest margin | 2.5878% | 5,597 |
| Noninterest income to average assets | 0.2246% | 5,127 |
| Noninterest expense to average assets | 1.8874% | 5,399 |
| Loan and lease loss provision to assets | 0.0959% | 2,307 |
| Net operating income to assets | 0.4848% | 4,748 |
| Return on assets (ROA) | 0.4848% | 4,841 |
| Pretax return on assets | 0.7725% | 4,400 |
| Return on Equity (ROE) | 5.9264% | 4,100 |
| Retained earnings to average equity (ytd only) | 4.1519% | 3,361 |
| Net charge-offs to loans | 0.1151% | 1,793 |
| Credit loss provision to net charge-offs | 166.6667% | 1,654 |
| Earnings coverage of net charge-offs (x) | 15.0950% | 2,203 |
| Efficiency ratio | 68.4891% | 3,141 |
| Assets per employee ($millions) | 4.1217% | 3,754 |
| Cash dividends to net income (ytd only)* | 29.9419% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 1,357 |
| Loan loss allowance to noncurrent loans | 62.7943% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.7172% | 986 |
| Noncurrent loans to loans | 2.6095% | 648 |
| Net loans and leases to total assets | 64.7284% | 3,308 |
| Net loans and leases to deposits | 72.6901% | 3,733 |
| Net loans and leases to core deposits | 88.2109% | 2,738 |
| Total domestic deposits to total assets | 89.0470% | 879 |
| Equity capital to assets | 10.8667% | 3,178 |
| Core capital (leverage) ratio | 11.2922% | 2,197 |
| Tier 1 risk-based capital ratio | 16.5393% | 2,399 |
| Total risk-based capital ratio | 17.7923% | 2,353 |
| Memoranda: | ||
| Average total assets | $48,673,000 | 5,426 |
| Average earning assets | $47,607,000 | 5,349 |
| Average equity | $3,982,000 | 5,707 |
| Average total loans | $24,333,000 | 5,430 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8063% | 5,799 |
| Cost of funding earning assets | 0.3726% | 3,331 |
| Net interest margin | 2.4337% | 5,780 |
| Noninterest income to average assets | 0.1904% | 5,359 |
| Noninterest expense to average assets | 1.7589% | 5,638 |
| Loan and lease loss provision to assets | 0.1333% | 1,720 |
| Net operating income to assets | 0.4340% | 4,926 |
| Return on assets (ROA) | 0.4340% | 5,013 |
| Pretax return on assets | 0.6853% | 4,665 |
| Return on Equity (ROE) | 5.7493% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.7493% | 2,267 |
| Net charge-offs to loans | 0.2880% | 829 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 6.1429% | 2,777 |
| Efficiency ratio | 68.2422% | 3,287 |
| Assets per employee ($millions) | 4.3819% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 1,502 |
| Loan loss allowance to noncurrent loans | 62.1578% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.7715% | 981 |
| Noncurrent loans to loans | 2.5908% | 651 |
| Net loans and leases to total assets | 67.2743% | 2,899 |
| Net loans and leases to deposits | 76.1848% | 3,362 |
| Net loans and leases to core deposits | 92.1463% | 2,335 |
| Total domestic deposits to total assets | 88.3041% | 1,272 |
| Equity capital to assets | 11.4820% | 2,567 |
| Core capital (leverage) ratio | 10.0140% | 3,550 |
| Tier 1 risk-based capital ratio | 16.4704% | 2,445 |
| Total risk-based capital ratio | 17.7216% | 2,382 |
| Memoranda: | ||
| Average total assets | $52,532,330 | 5,407 |
| Average earning assets | $51,526,330 | 5,324 |
| Average equity | $3,965,670 | 5,774 |
| Average total loans | $24,307,000 | 5,489 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4189% | 5,991 |
| Cost of funding earning assets | 0.3115% | 4,041 |
| Net interest margin | 2.1075% | 5,993 |
| Noninterest income to average assets | 0.1763% | 5,439 |
| Noninterest expense to average assets | 1.5538% | 5,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4309% | 4,897 |
| Return on assets (ROA) | 0.4309% | 4,976 |
| Pretax return on assets | 0.6985% | 4,535 |
| Return on Equity (ROE) | 6.7073% | 3,613 |
| Retained earnings to average equity (ytd only) | 6.7073% | 2,025 |
| Net charge-offs to loans | 0.0654% | 1,844 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 26.7500% | 1,261 |
| Efficiency ratio | 68.9855% | 3,303 |
| Assets per employee ($millions) | 5.6794% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 1,745 |
| Loan loss allowance to noncurrent loans | 59.6875% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.4086% | 1,473 |
| Noncurrent loans to loans | 2.6167% | 694 |
| Net loans and leases to total assets | 52.9900% | 4,536 |
| Net loans and leases to deposits | 58.1377% | 4,841 |
| Net loans and leases to core deposits | 66.2320% | 4,521 |
| Total domestic deposits to total assets | 91.1456% | 229 |
| Equity capital to assets | 8.7400% | 5,390 |
| Core capital (leverage) ratio | 7.6214% | 5,896 |
| Tier 1 risk-based capital ratio | 16.0173% | 2,676 |
| Total risk-based capital ratio | 17.2689% | 2,625 |
| Memoranda: | ||
| Average total assets | $61,271,000 | 5,261 |
| Average earning assets | $60,357,000 | 5,148 |
| Average equity | $3,936,000 | 5,823 |
| Average total loans | $24,476,000 | 5,532 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1569% | 5,567 |
| Cost of funding earning assets | 0.3759% | 3,414 |
| Net interest margin | 2.7809% | 5,550 |
| Noninterest income to average assets | 0.3720% | 4,249 |
| Noninterest expense to average assets | 2.0446% | 5,366 |
| Loan and lease loss provision to assets | 0.3381% | 458 |
| Net operating income to assets | 0.4301% | 4,952 |
| Return on assets (ROA) | 0.4373% | 5,010 |
| Pretax return on assets | 0.6853% | 4,565 |
| Return on Equity (ROE) | 5.0408% | 4,485 |
| Retained earnings to average equity (ytd only) | 3.8715% | 3,281 |
| Net charge-offs to loans | 0.4263% | 657 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | 4.4900% | 3,547 |
| Efficiency ratio | 66.8879% | 3,768 |
| Assets per employee ($millions) | 9.6384% | 301 |
| Cash dividends to net income (ytd only)* | 23.1959% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 1,697 |
| Loan loss allowance to noncurrent loans | 59.8450% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 0.8365% | 2,577 |
| Noncurrent loans to loans | 2.6333% | 677 |
| Net loans and leases to total assets | 31.2656% | 5,855 |
| Net loans and leases to deposits | 32.9430% | 5,956 |
| Net loans and leases to core deposits | 35.6522% | 5,927 |
| Total domestic deposits to total assets | 94.9084% | 16 |
| Equity capital to assets | 5.0592% | 6,143 |
| Core capital (leverage) ratio | 10.3067% | 3,152 |
| Tier 1 risk-based capital ratio | 15.9350% | 2,717 |
| Total risk-based capital ratio | 17.1887% | 2,654 |
| Memoranda: | ||
| Average total assets | $44,360,400 | 5,674 |
| Average earning assets | $42,827,200 | 5,614 |
| Average equity | $3,848,600 | 5,881 |
| Average total loans | $23,457,200 | 5,610 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8152% | 4,042 |
| Cost of funding earning assets | 0.4407% | 2,790 |
| Net interest margin | 3.3745% | 4,060 |
| Noninterest income to average assets | 0.3575% | 4,381 |
| Noninterest expense to average assets | 2.4363% | 4,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7032% | 3,890 |
| Return on assets (ROA) | 0.7150% | 3,946 |
| Pretax return on assets | 1.1574% | 2,992 |
| Return on Equity (ROE) | 6.7438% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.7438% | 1,809 |
| Net charge-offs to loans | -0.2816% | 6,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1443% | 3,510 |
| Assets per employee ($millions) | 4.4945% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 2,010 |
| Loan loss allowance to noncurrent loans | 39.1658% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 2.7339% | 591 |
| Noncurrent loans to loans | 3.9226% | 337 |
| Net loans and leases to total assets | 68.6255% | 2,589 |
| Net loans and leases to deposits | 77.1793% | 3,176 |
| Net loans and leases to core deposits | 94.8163% | 1,999 |
| Total domestic deposits to total assets | 88.9170% | 1,068 |
| Equity capital to assets | 10.9745% | 3,057 |
| Core capital (leverage) ratio | 11.2290% | 2,265 |
| Tier 1 risk-based capital ratio | 15.6864% | 2,958 |
| Total risk-based capital ratio | 16.9382% | 2,892 |
| Memoranda: | ||
| Average total assets | $36,173,750 | 5,923 |
| Average earning assets | $34,493,250 | 5,882 |
| Average equity | $3,835,500 | 5,961 |
| Average total loans | $23,198,000 | 5,687 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6959% | 4,423 |
| Cost of funding earning assets | 0.4273% | 2,958 |
| Net interest margin | 3.2685% | 4,423 |
| Noninterest income to average assets | 0.3531% | 4,434 |
| Noninterest expense to average assets | 2.5603% | 4,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5727% | 4,459 |
| Return on assets (ROA) | 0.5904% | 4,484 |
| Pretax return on assets | 0.9435% | 3,793 |
| Return on Equity (ROE) | 5.6336% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.6336% | 2,443 |
| Net charge-offs to loans | -0.4429% | 6,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6508% | 2,727 |
| Assets per employee ($millions) | 4.3809% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 1,693 |
| Loan loss allowance to noncurrent loans | 52.6603% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 2.0915% | 1,034 |
| Noncurrent loans to loans | 3.1638% | 602 |
| Net loans and leases to total assets | 65.0041% | 3,124 |
| Net loans and leases to deposits | 73.0919% | 3,609 |
| Net loans and leases to core deposits | 81.0603% | 3,275 |
| Total domestic deposits to total assets | 88.9349% | 1,172 |
| Equity capital to assets | 10.9938% | 2,886 |
| Core capital (leverage) ratio | 11.1457% | 2,294 |
| Tier 1 risk-based capital ratio | 17.0553% | 2,382 |
| Total risk-based capital ratio | 18.3095% | 2,325 |
| Memoranda: | ||
| Average total assets | $36,246,330 | 5,988 |
| Average earning assets | $34,633,330 | 5,941 |
| Average equity | $3,798,670 | 6,030 |
| Average total loans | $22,577,330 | 5,760 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6119% | 4,651 |
| Cost of funding earning assets | 0.4243% | 3,016 |
| Net interest margin | 3.1877% | 4,654 |
| Noninterest income to average assets | 0.3148% | 4,674 |
| Noninterest expense to average assets | 2.8226% | 3,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3436% | 5,269 |
| Return on assets (ROA) | 0.3800% | 5,264 |
| Pretax return on assets | 0.5645% | 5,010 |
| Return on Equity (ROE) | 3.7121% | 5,105 |
| Retained earnings to average equity (ytd only) | 3.7121% | 3,783 |
| Net charge-offs to loans | -0.8976% | 6,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6906% | 1,298 |
| Assets per employee ($millions) | 4.3566% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 1,665 |
| Loan loss allowance to noncurrent loans | 59.4761% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.8621% | 1,306 |
| Noncurrent loans to loans | 2.9106% | 768 |
| Net loans and leases to total assets | 62.8698% | 3,250 |
| Net loans and leases to deposits | 70.6201% | 3,678 |
| Net loans and leases to core deposits | 78.3523% | 3,341 |
| Total domestic deposits to total assets | 89.0253% | 1,252 |
| Equity capital to assets | 10.8742% | 3,115 |
| Core capital (leverage) ratio | 10.7241% | 2,722 |
| Tier 1 risk-based capital ratio | 17.5139% | 2,295 |
| Total risk-based capital ratio | 18.7662% | 2,250 |
| Memoranda: | ||
| Average total assets | $36,846,000 | 6,032 |
| Average earning assets | $34,884,500 | 5,991 |
| Average equity | $3,771,500 | 6,092 |
| Average total loans | $22,282,000 | 5,812 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6977% | 4,783 |
| Cost of funding earning assets | 0.4840% | 2,838 |
| Net interest margin | 3.2137% | 4,877 |
| Noninterest income to average assets | 0.3539% | 4,572 |
| Noninterest expense to average assets | 2.4186% | 4,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6049% | 4,342 |
| Return on assets (ROA) | 0.6102% | 4,424 |
| Pretax return on assets | 0.9780% | 3,582 |
| Return on Equity (ROE) | 5.9615% | 4,170 |
| Retained earnings to average equity (ytd only) | 4.7365% | 2,805 |
| Net charge-offs to loans | 0.1189% | 2,850 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 13.3846% | 2,271 |
| Efficiency ratio | 71.3816% | 3,313 |
| Assets per employee ($millions) | 5.5484% | 1,730 |
| Cash dividends to net income (ytd only)* | 20.5479% | 3,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 2,433 |
| Loan loss allowance to noncurrent loans | 58.0311% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 3.2905% | 581 |
| Noncurrent loans to loans | 2.6004% | 957 |
| Net loans and leases to total assets | 56.4639% | 4,264 |
| Net loans and leases to deposits | 62.5999% | 4,671 |
| Net loans and leases to core deposits | 65.0974% | 4,745 |
| Total domestic deposits to total assets | 90.1980% | 651 |
| Equity capital to assets | 9.6630% | 4,517 |
| Core capital (leverage) ratio | 10.1418% | 3,377 |
| Tier 1 risk-based capital ratio | 17.0567% | 2,489 |
| Total risk-based capital ratio | 18.3107% | 2,441 |
| Memoranda: | ||
| Average total assets | $35,888,200 | 6,132 |
| Average earning assets | $33,885,800 | 6,095 |
| Average equity | $3,673,600 | 6,151 |
| Average total loans | $21,873,200 | 5,886 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 4,317 |
| Cost of funding earning assets | 0.5075% | 2,685 |
| Net interest margin | 3.3551% | 4,411 |
| Noninterest income to average assets | 0.3566% | 4,587 |
| Noninterest expense to average assets | 2.4200% | 4,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6831% | 4,022 |
| Return on assets (ROA) | 0.6903% | 4,083 |
| Pretax return on assets | 1.1076% | 3,158 |
| Return on Equity (ROE) | 6.6414% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.9992% | 3,081 |
| Net charge-offs to loans | -0.1470% | 6,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8242% | 3,704 |
| Assets per employee ($millions) | 5.2599% | 1,947 |
| Cash dividends to net income (ytd only)* | 24.7260% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7258% | 1,900 |
| Loan loss allowance to noncurrent loans | 31.7695% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 3.2999% | 670 |
| Noncurrent loans to loans | 5.4321% | 300 |
| Net loans and leases to total assets | 59.7002% | 3,840 |
| Net loans and leases to deposits | 66.5506% | 4,276 |
| Net loans and leases to core deposits | 69.3648% | 4,385 |
| Total domestic deposits to total assets | 89.7064% | 872 |
| Equity capital to assets | 10.1116% | 4,037 |
| Core capital (leverage) ratio | 10.3015% | 3,295 |
| Tier 1 risk-based capital ratio | 16.9031% | 2,648 |
| Total risk-based capital ratio | 18.1583% | 2,601 |
| Memoranda: | ||
| Average total assets | $35,150,500 | 6,227 |
| Average earning assets | $33,103,000 | 6,188 |
| Average equity | $3,653,750 | 6,225 |
| Average total loans | $21,775,000 | 5,958 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8406% | 4,371 |
| Cost of funding earning assets | 0.5121% | 2,705 |
| Net interest margin | 3.3285% | 4,475 |
| Noninterest income to average assets | 0.3353% | 4,744 |
| Noninterest expense to average assets | 2.6074% | 4,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5670% | 4,512 |
| Return on assets (ROA) | 0.5781% | 4,562 |
| Pretax return on assets | 0.9019% | 3,881 |
| Return on Equity (ROE) | 5.5086% | 4,424 |
| Retained earnings to average equity (ytd only) | 5.5086% | 2,627 |
| Net charge-offs to loans | -0.2225% | 6,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6689% | 2,861 |
| Assets per employee ($millions) | 4.3234% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7865% | 1,873 |
| Loan loss allowance to noncurrent loans | 31.9008% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 3.4984% | 670 |
| Noncurrent loans to loans | 5.6003% | 311 |
| Net loans and leases to total assets | 61.3525% | 3,514 |
| Net loans and leases to deposits | 68.7243% | 3,965 |
| Net loans and leases to core deposits | 71.8324% | 4,065 |
| Total domestic deposits to total assets | 89.2734% | 1,212 |
| Equity capital to assets | 10.6514% | 3,255 |
| Core capital (leverage) ratio | 10.4557% | 2,997 |
| Tier 1 risk-based capital ratio | 17.4432% | 2,442 |
| Total risk-based capital ratio | 18.6993% | 2,409 |
| Memoranda: | ||
| Average total assets | $34,594,330 | 6,298 |
| Average earning assets | $32,807,670 | 6,254 |
| Average equity | $3,630,670 | 6,274 |
| Average total loans | $21,577,670 | 6,011 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7749% | 4,586 |
| Cost of funding earning assets | 0.5114% | 2,791 |
| Net interest margin | 3.2635% | 4,693 |
| Noninterest income to average assets | 0.2890% | 5,060 |
| Noninterest expense to average assets | 2.6360% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4823% | 4,774 |
| Return on assets (ROA) | 0.4971% | 4,786 |
| Pretax return on assets | 0.7746% | 4,204 |
| Return on Equity (ROE) | 4.7725% | 4,654 |
| Retained earnings to average equity (ytd only) | 4.7725% | 3,251 |
| Net charge-offs to loans | -0.2040% | 6,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8157% | 2,497 |
| Assets per employee ($millions) | 4.2771% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 2,251 |
| Loan loss allowance to noncurrent loans | 44.4048% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 2.6390% | 1,168 |
| Noncurrent loans to loans | 3.8947% | 701 |
| Net loans and leases to total assets | 61.9429% | 3,247 |
| Net loans and leases to deposits | 69.3781% | 3,679 |
| Net loans and leases to core deposits | 72.5434% | 3,815 |
| Total domestic deposits to total assets | 89.2831% | 1,480 |
| Equity capital to assets | 10.5941% | 3,150 |
| Core capital (leverage) ratio | 10.5338% | 2,887 |
| Tier 1 risk-based capital ratio | 17.4367% | 2,495 |
| Total risk-based capital ratio | 18.6914% | 2,468 |
| Memoranda: | ||
| Average total assets | $34,598,000 | 6,362 |
| Average earning assets | $32,848,500 | 6,319 |
| Average equity | $3,604,000 | 6,327 |
| Average total loans | $21,563,500 | 6,068 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 3,850 |
| Cost of funding earning assets | 0.6552% | 2,167 |
| Net interest margin | 3.4133% | 4,228 |
| Noninterest income to average assets | 0.3412% | 4,872 |
| Noninterest expense to average assets | 2.5322% | 4,666 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6585% | 3,995 |
| Return on assets (ROA) | 0.6585% | 4,095 |
| Pretax return on assets | 1.0835% | 3,011 |
| Return on Equity (ROE) | 6.2735% | 3,928 |
| Retained earnings to average equity (ytd only) | 4.7622% | 2,759 |
| Net charge-offs to loans | 0.0603% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 27.8462% | 1,258 |
| Efficiency ratio | 70.0331% | 3,837 |
| Assets per employee ($millions) | 3.8866% | 4,095 |
| Cash dividends to net income (ytd only)* | 24.0909% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 2,465 |
| Loan loss allowance to noncurrent loans | 83.2184% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.4437% | 2,579 |
| Noncurrent loans to loans | 2.0177% | 1,971 |
| Net loans and leases to total assets | 60.5992% | 3,610 |
| Net loans and leases to deposits | 67.5602% | 4,116 |
| Net loans and leases to core deposits | 70.5485% | 4,237 |
| Total domestic deposits to total assets | 89.6967% | 1,223 |
| Equity capital to assets | 10.2433% | 3,449 |
| Core capital (leverage) ratio | 10.2599% | 3,206 |
| Tier 1 risk-based capital ratio | 17.0940% | 2,567 |
| Total risk-based capital ratio | 18.3498% | 2,540 |
| Memoranda: | ||
| Average total assets | $33,410,000 | 6,448 |
| Average earning assets | $32,050,800 | 6,397 |
| Average equity | $3,506,800 | 6,434 |
| Average total loans | $21,567,800 | 6,129 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 3,730 |
| Cost of funding earning assets | 0.6866% | 2,038 |
| Net interest margin | 3.4205% | 4,205 |
| Noninterest income to average assets | 0.3190% | 5,139 |
| Noninterest expense to average assets | 2.4229% | 4,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7390% | 3,653 |
| Return on assets (ROA) | 0.7390% | 3,782 |
| Pretax return on assets | 1.1953% | 2,714 |
| Return on Equity (ROE) | 6.9956% | 3,652 |
| Retained earnings to average equity (ytd only) | 4.9697% | 3,110 |
| Net charge-offs to loans | -0.1607% | 6,608 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9643% | 4,312 |
| Assets per employee ($millions) | 3.6249% | 4,611 |
| Cash dividends to net income (ytd only)* | 28.9602% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8429% | 2,165 |
| Loan loss allowance to noncurrent loans | 96.6265% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.4866% | 2,705 |
| Noncurrent loans to loans | 1.9073% | 2,355 |
| Net loans and leases to total assets | 65.4671% | 2,724 |
| Net loans and leases to deposits | 73.4861% | 3,317 |
| Net loans and leases to core deposits | 76.9935% | 3,498 |
| Total domestic deposits to total assets | 89.0878% | 1,513 |
| Equity capital to assets | 10.8478% | 2,918 |
| Core capital (leverage) ratio | 10.6159% | 2,873 |
| Tier 1 risk-based capital ratio | 17.1639% | 2,639 |
| Total risk-based capital ratio | 18.4231% | 2,603 |
| Memoranda: | ||
| Average total assets | $33,017,750 | 6,531 |
| Average earning assets | $31,846,500 | 6,474 |
| Average equity | $3,487,750 | 6,510 |
| Average total loans | $21,570,000 | 6,197 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 3,919 |
| Cost of funding earning assets | 0.7253% | 1,883 |
| Net interest margin | 3.3264% | 4,465 |
| Noninterest income to average assets | 0.3258% | 5,091 |
| Noninterest expense to average assets | 2.4616% | 4,865 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6697% | 3,964 |
| Return on assets (ROA) | 0.6697% | 4,122 |
| Pretax return on assets | 1.0739% | 3,197 |
| Return on Equity (ROE) | 6.3965% | 3,938 |
| Retained earnings to average equity (ytd only) | 6.3965% | 2,206 |
| Net charge-offs to loans | -0.1116% | 6,527 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6246% | 3,902 |
| Assets per employee ($millions) | 4.1760% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7904% | 2,462 |
| Loan loss allowance to noncurrent loans | 106.0274% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.3230% | 3,132 |
| Noncurrent loans to loans | 1.6886% | 2,783 |
| Net loans and leases to total assets | 63.5417% | 2,999 |
| Net loans and leases to deposits | 71.1561% | 3,567 |
| Net loans and leases to core deposits | 77.6700% | 3,340 |
| Total domestic deposits to total assets | 89.2990% | 1,448 |
| Equity capital to assets | 10.5214% | 3,271 |
| Core capital (leverage) ratio | 10.5331% | 2,842 |
| Tier 1 risk-based capital ratio | 17.2198% | 2,632 |
| Total risk-based capital ratio | 18.4760% | 2,601 |
| Memoranda: | ||
| Average total assets | $33,149,000 | 6,578 |
| Average earning assets | $31,986,330 | 6,517 |
| Average equity | $3,470,670 | 6,565 |
| Average total loans | $21,507,000 | 6,236 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 3,782 |
| Cost of funding earning assets | 0.7670% | 1,730 |
| Net interest margin | 3.3193% | 4,442 |
| Noninterest income to average assets | 0.3876% | 4,558 |
| Noninterest expense to average assets | 2.5440% | 4,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6542% | 3,937 |
| Return on assets (ROA) | 0.6542% | 4,093 |
| Pretax return on assets | 1.0418% | 3,178 |
| Return on Equity (ROE) | 6.2636% | 3,907 |
| Retained earnings to average equity (ytd only) | 6.2636% | 2,532 |
| Net charge-offs to loans | -0.2051% | 6,685 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9459% | 3,798 |
| Assets per employee ($millions) | 4.1874% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8133% | 2,575 |
| Loan loss allowance to noncurrent loans | 105.4645% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.3224% | 3,311 |
| Noncurrent loans to loans | 1.7194% | 2,967 |
| Net loans and leases to total assets | 62.3929% | 2,983 |
| Net loans and leases to deposits | 69.8026% | 3,510 |
| Net loans and leases to core deposits | 76.1532% | 3,303 |
| Total domestic deposits to total assets | 89.3848% | 1,431 |
| Equity capital to assets | 10.3705% | 3,708 |
| Core capital (leverage) ratio | 10.6526% | 2,593 |
| Tier 1 risk-based capital ratio | 17.5918% | 2,522 |
| Total risk-based capital ratio | 18.8502% | 2,488 |
| Memoranda: | ||
| Average total assets | $33,019,500 | 6,643 |
| Average earning assets | $31,813,500 | 6,581 |
| Average equity | $3,448,500 | 6,631 |
| Average total loans | $21,453,000 | 6,290 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4843% | 3,465 |
| Cost of funding earning assets | 0.9536% | 1,618 |
| Net interest margin | 3.5307% | 4,371 |
| Noninterest income to average assets | 0.3427% | 5,010 |
| Noninterest expense to average assets | 2.6302% | 4,644 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6599% | 3,937 |
| Return on assets (ROA) | 0.6599% | 4,202 |
| Pretax return on assets | 1.1073% | 3,133 |
| Return on Equity (ROE) | 6.1967% | 4,064 |
| Retained earnings to average equity (ytd only) | 4.9455% | 2,739 |
| Net charge-offs to loans | -0.1204% | 6,868 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3735% | 3,739 |
| Assets per employee ($millions) | 4.0675% | 3,817 |
| Cash dividends to net income (ytd only)* | 20.1923% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7346% | 2,802 |
| Loan loss allowance to noncurrent loans | 104.1667% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.3430% | 3,391 |
| Noncurrent loans to loans | 1.6652% | 3,130 |
| Net loans and leases to total assets | 65.2858% | 2,651 |
| Net loans and leases to deposits | 73.1492% | 3,232 |
| Net loans and leases to core deposits | 80.0121% | 2,997 |
| Total domestic deposits to total assets | 89.2502% | 1,406 |
| Equity capital to assets | 10.5194% | 3,505 |
| Core capital (leverage) ratio | 10.4661% | 2,807 |
| Tier 1 risk-based capital ratio | 16.3591% | 2,959 |
| Total risk-based capital ratio | 17.6149% | 2,917 |
| Memoranda: | ||
| Average total assets | $31,518,600 | 6,718 |
| Average earning assets | $30,305,400 | 6,655 |
| Average equity | $3,356,600 | 6,718 |
| Average total loans | $21,601,400 | 6,356 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 3,393 |
| Cost of funding earning assets | 0.9844% | 1,658 |
| Net interest margin | 3.5741% | 4,341 |
| Noninterest income to average assets | 0.2985% | 5,388 |
| Noninterest expense to average assets | 2.5589% | 4,882 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7293% | 3,777 |
| Return on assets (ROA) | 0.7293% | 4,023 |
| Pretax return on assets | 1.1771% | 3,076 |
| Return on Equity (ROE) | 6.8260% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.8260% | 2,224 |
| Net charge-offs to loans | -0.1667% | 6,960 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4932% | 3,960 |
| Assets per employee ($millions) | 4.1841% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6814% | 3,207 |
| Loan loss allowance to noncurrent loans | 100.8065% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.3414% | 3,617 |
| Noncurrent loans to loans | 1.6679% | 3,289 |
| Net loans and leases to total assets | 65.5095% | 2,736 |
| Net loans and leases to deposits | 73.2496% | 3,404 |
| Net loans and leases to core deposits | 78.9203% | 3,338 |
| Total domestic deposits to total assets | 89.4333% | 1,170 |
| Equity capital to assets | 10.2501% | 4,138 |
| Core capital (leverage) ratio | 10.6868% | 2,717 |
| Tier 1 risk-based capital ratio | 15.7698% | 3,393 |
| Total risk-based capital ratio | 17.0251% | 3,356 |
| Memoranda: | ||
| Average total assets | $31,263,250 | 6,811 |
| Average earning assets | $30,067,250 | 6,745 |
| Average equity | $3,340,000 | 6,807 |
| Average total loans | $21,597,000 | 6,441 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 3,203 |
| Cost of funding earning assets | 1.0403% | 1,521 |
| Net interest margin | 3.5969% | 4,277 |
| Noninterest income to average assets | 0.2162% | 6,019 |
| Noninterest expense to average assets | 2.6272% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6617% | 4,053 |
| Return on assets (ROA) | 0.6617% | 4,316 |
| Pretax return on assets | 1.0548% | 3,493 |
| Return on Equity (ROE) | 6.1033% | 4,272 |
| Retained earnings to average equity (ytd only) | 6.1033% | 2,652 |
| Net charge-offs to loans | -0.1217% | 6,898 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3523% | 3,543 |
| Assets per employee ($millions) | 3.9124% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 3,405 |
| Loan loss allowance to noncurrent loans | 58.4814% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 2.2237% | 2,517 |
| Noncurrent loans to loans | 2.8313% | 2,115 |
| Net loans and leases to total assets | 68.6955% | 2,161 |
| Net loans and leases to deposits | 77.1392% | 2,815 |
| Net loans and leases to core deposits | 83.5737% | 2,749 |
| Total domestic deposits to total assets | 89.0540% | 1,471 |
| Equity capital to assets | 10.7511% | 3,395 |
| Core capital (leverage) ratio | 10.4805% | 2,826 |
| Tier 1 risk-based capital ratio | 16.0276% | 3,150 |
| Total risk-based capital ratio | 17.2818% | 3,121 |
| Memoranda: | ||
| Average total assets | $30,526,670 | 6,880 |
| Average earning assets | $29,414,330 | 6,814 |
| Average equity | $3,309,670 | 6,851 |
| Average total loans | $21,361,670 | 6,496 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5903% | 3,548 |
| Cost of funding earning assets | 1.0752% | 1,518 |
| Net interest margin | 3.5151% | 4,617 |
| Noninterest income to average assets | 0.0265% | 7,030 |
| Noninterest expense to average assets | 2.8135% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4247% | 5,141 |
| Return on assets (ROA) | 0.4247% | 5,334 |
| Pretax return on assets | 0.5972% | 5,129 |
| Return on Equity (ROE) | 3.9001% | 5,341 |
| Retained earnings to average equity (ytd only) | 3.9001% | 4,252 |
| Net charge-offs to loans | -0.2463% | 7,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4903% | 1,875 |
| Assets per employee ($millions) | 3.8200% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7322% | 3,219 |
| Loan loss allowance to noncurrent loans | 63.5088% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 2.1171% | 2,761 |
| Noncurrent loans to loans | 2.7275% | 2,388 |
| Net loans and leases to total assets | 67.1990% | 2,255 |
| Net loans and leases to deposits | 75.5389% | 2,879 |
| Net loans and leases to core deposits | 82.0128% | 2,835 |
| Total domestic deposits to total assets | 88.9594% | 1,719 |
| Equity capital to assets | 10.7886% | 3,162 |
| Core capital (leverage) ratio | 10.7002% | 2,545 |
| Tier 1 risk-based capital ratio | 16.4492% | 2,934 |
| Total risk-based capital ratio | 17.7037% | 2,894 |
| Memoranda: | ||
| Average total assets | $30,140,500 | 6,946 |
| Average earning assets | $29,017,500 | 6,882 |
| Average equity | $3,282,000 | 6,904 |
| Average total loans | $21,111,000 | 6,555 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6409% | 4,494 |
| Cost of funding earning assets | 1.2392% | 1,791 |
| Net interest margin | 3.4017% | 5,473 |
| Noninterest income to average assets | 0.5545% | 3,474 |
| Noninterest expense to average assets | 2.8351% | 4,218 |
| Loan and lease loss provision to assets | 0.0984% | 5,361 |
| Net operating income to assets | 0.5611% | 4,180 |
| Return on assets (ROA) | 0.5611% | 4,368 |
| Pretax return on assets | 0.8728% | 3,700 |
| Return on Equity (ROE) | 5.3733% | 4,212 |
| Retained earnings to average equity (ytd only) | 4.9962% | 2,641 |
| Net charge-offs to loans | -0.2392% | 7,226 |
| Credit loss provision to net charge-offs | -61.2245% | 6,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4828% | 3,146 |
| Assets per employee ($millions) | 3.7151% | 4,522 |
| Cash dividends to net income (ytd only)* | 7.0175% | 3,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6367% | 3,433 |
| Loan loss allowance to noncurrent loans | 57.5908% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 2.5840% | 2,350 |
| Noncurrent loans to loans | 2.8419% | 2,303 |
| Net loans and leases to total assets | 70.5730% | 1,908 |
| Net loans and leases to deposits | 79.4658% | 2,617 |
| Net loans and leases to core deposits | 86.4806% | 2,574 |
| Total domestic deposits to total assets | 88.8093% | 1,656 |
| Equity capital to assets | 10.9922% | 2,987 |
| Core capital (leverage) ratio | 10.7359% | 2,493 |
| Tier 1 risk-based capital ratio | 16.1436% | 2,982 |
| Total risk-based capital ratio | 17.4019% | 2,939 |
| Memoranda: | ||
| Average total assets | $30,475,200 | 6,960 |
| Average earning assets | $29,132,200 | 6,899 |
| Average equity | $3,182,400 | 6,972 |
| Average total loans | $20,481,400 | 6,638 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 4,851 |
| Cost of funding earning assets | 1.2670% | 1,886 |
| Net interest margin | 3.3361% | 5,751 |
| Noninterest income to average assets | 0.6001% | 3,160 |
| Noninterest expense to average assets | 2.7393% | 4,581 |
| Loan and lease loss provision to assets | 0.1304% | 4,799 |
| Net operating income to assets | 0.5913% | 4,126 |
| Return on assets (ROA) | 0.5913% | 4,309 |
| Pretax return on assets | 0.9131% | 3,710 |
| Return on Equity (ROE) | 5.7360% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.7360% | 2,713 |
| Net charge-offs to loans | -0.3223% | 7,310 |
| Credit loss provision to net charge-offs | -61.2245% | 6,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4138% | 3,471 |
| Assets per employee ($millions) | 3.8994% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 3,374 |
| Loan loss allowance to noncurrent loans | 60.9075% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 2.3561% | 2,725 |
| Noncurrent loans to loans | 2.7440% | 2,548 |
| Net loans and leases to total assets | 65.8214% | 2,943 |
| Net loans and leases to deposits | 73.6372% | 3,700 |
| Net loans and leases to core deposits | 80.9789% | 3,491 |
| Total domestic deposits to total assets | 89.3861% | 1,203 |
| Equity capital to assets | 10.4151% | 3,811 |
| Core capital (leverage) ratio | 10.3812% | 3,004 |
| Tier 1 risk-based capital ratio | 16.0350% | 3,100 |
| Total risk-based capital ratio | 17.2933% | 3,057 |
| Memoranda: | ||
| Average total assets | $30,663,750 | 7,018 |
| Average earning assets | $29,255,000 | 6,957 |
| Average equity | $3,161,250 | 7,035 |
| Average total loans | $20,270,750 | 6,708 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 5,179 |
| Cost of funding earning assets | 1.3093% | 1,882 |
| Net interest margin | 3.2388% | 6,030 |
| Noninterest income to average assets | 0.6035% | 3,116 |
| Noninterest expense to average assets | 2.7553% | 4,611 |
| Loan and lease loss provision to assets | 0.1968% | 3,963 |
| Net operating income to assets | 0.4723% | 4,635 |
| Return on assets (ROA) | 0.4723% | 4,772 |
| Pretax return on assets | 0.7347% | 4,265 |
| Return on Equity (ROE) | 4.5977% | 4,647 |
| Retained earnings to average equity (ytd only) | 4.5977% | 3,261 |
| Net charge-offs to loans | -0.4784% | 7,397 |
| Credit loss provision to net charge-offs | -62.5000% | 6,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7331% | 3,234 |
| Assets per employee ($millions) | 3.5439% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 3,356 |
| Loan loss allowance to noncurrent loans | 52.6475% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 2.9029% | 2,313 |
| Noncurrent loans to loans | 3.2136% | 2,227 |
| Net loans and leases to total assets | 71.3238% | 1,930 |
| Net loans and leases to deposits | 81.2741% | 2,559 |
| Net loans and leases to core deposits | 91.6387% | 2,178 |
| Total domestic deposits to total assets | 87.7570% | 2,314 |
| Equity capital to assets | 11.2448% | 2,728 |
| Core capital (leverage) ratio | 10.8166% | 2,406 |
| Tier 1 risk-based capital ratio | 16.3484% | 2,809 |
| Total risk-based capital ratio | 17.6060% | 2,771 |
| Memoranda: | ||
| Average total assets | $30,486,670 | 7,092 |
| Average earning assets | $29,023,330 | 7,030 |
| Average equity | $3,132,000 | 7,094 |
| Average total loans | $20,067,000 | 6,782 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3787% | 5,765 |
| Cost of funding earning assets | 1.3350% | 1,983 |
| Net interest margin | 3.0437% | 6,475 |
| Noninterest income to average assets | 0.4310% | 4,446 |
| Noninterest expense to average assets | 2.8015% | 4,432 |
| Loan and lease loss provision to assets | 0.3803% | 2,283 |
| Net operating income to assets | 0.1141% | 6,059 |
| Return on assets (ROA) | 0.1141% | 6,112 |
| Pretax return on assets | 0.1394% | 6,078 |
| Return on Equity (ROE) | 1.1598% | 6,085 |
| Retained earnings to average equity (ytd only) | 1.1598% | 5,360 |
| Net charge-offs to loans | -0.7065% | 7,454 |
| Credit loss provision to net charge-offs | -85.7143% | 5,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3511% | 1,917 |
| Assets per employee ($millions) | 3.6978% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 3,294 |
| Loan loss allowance to noncurrent loans | 49.0483% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 3.9450% | 1,692 |
| Noncurrent loans to loans | 3.4938% | 2,132 |
| Net loans and leases to total assets | 64.9517% | 3,248 |
| Net loans and leases to deposits | 72.7197% | 3,959 |
| Net loans and leases to core deposits | 81.3773% | 3,545 |
| Total domestic deposits to total assets | 89.3178% | 1,583 |
| Equity capital to assets | 10.5064% | 3,169 |
| Core capital (leverage) ratio | 10.1992% | 2,932 |
| Tier 1 risk-based capital ratio | 15.4703% | 3,171 |
| Total risk-based capital ratio | 16.7241% | 3,122 |
| Memoranda: | ||
| Average total assets | $31,554,500 | 7,108 |
| Average earning assets | $29,963,500 | 7,049 |
| Average equity | $3,104,000 | 7,139 |
| Average total loans | $19,816,000 | 6,851 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1886% | 3,665 |
| Cost of funding earning assets | 1.5772% | 2,204 |
| Net interest margin | 3.6114% | 4,762 |
| Noninterest income to average assets | 0.4747% | 4,352 |
| Noninterest expense to average assets | 2.8050% | 4,590 |
| Loan and lease loss provision to assets | 0.8797% | 1,862 |
| Net operating income to assets | 0.1793% | 5,340 |
| Return on assets (ROA) | 0.1793% | 5,509 |
| Pretax return on assets | 0.2257% | 5,426 |
| Return on Equity (ROE) | 1.7337% | 5,486 |
| Retained earnings to average equity (ytd only) | 0.5137% | 5,319 |
| Net charge-offs to loans | 1.6833% | 1,289 |
| Credit loss provision to net charge-offs | 73.6111% | 5,770 |
| Earnings coverage of net charge-offs (x) | 0.9250% | 5,186 |
| Efficiency ratio | 71.7317% | 3,849 |
| Assets per employee ($millions) | 4.1909% | 3,402 |
| Cash dividends to net income (ytd only)* | 70.3704% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 4,786 |
| Loan loss allowance to noncurrent loans | 129.1866% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 2.5054% | 2,766 |
| Noncurrent loans to loans | 1.0407% | 4,989 |
| Net loans and leases to total assets | 59.0957% | 4,821 |
| Net loans and leases to deposits | 65.2903% | 5,483 |
| Net loans and leases to core deposits | 76.0430% | 4,708 |
| Total domestic deposits to total assets | 90.5121% | 826 |
| Equity capital to assets | 9.2463% | 4,762 |
| Core capital (leverage) ratio | 10.2005% | 2,863 |
| Tier 1 risk-based capital ratio | 14.4198% | 3,604 |
| Total risk-based capital ratio | 15.6713% | 3,556 |
| Memoranda: | ||
| Average total assets | $30,124,800 | 7,203 |
| Average earning assets | $28,659,000 | 7,140 |
| Average equity | $3,114,800 | 7,243 |
| Average total loans | $21,387,000 | 6,857 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4134% | 2,818 |
| Cost of funding earning assets | 1.6417% | 2,151 |
| Net interest margin | 3.7717% | 4,087 |
| Noninterest income to average assets | 0.5010% | 4,180 |
| Noninterest expense to average assets | 2.8602% | 4,243 |
| Loan and lease loss provision to assets | 1.2069% | 1,182 |
| Net operating income to assets | 0.0228% | 5,951 |
| Return on assets (ROA) | 0.0228% | 6,072 |
| Pretax return on assets | 0.0228% | 6,059 |
| Return on Equity (ROE) | 0.2139% | 6,067 |
| Retained earnings to average equity (ytd only) | -1.4109% | 6,087 |
| Net charge-offs to loans | 1.8176% | 1,059 |
| Credit loss provision to net charge-offs | 89.5270% | 4,787 |
| Earnings coverage of net charge-offs (x) | 0.9122% | 5,145 |
| Efficiency ratio | 69.9332% | 4,080 |
| Assets per employee ($millions) | 3.7679% | 4,346 |
| Cash dividends to net income (ytd only)* | 759.6702% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 3,684 |
| Loan loss allowance to noncurrent loans | 43.0412% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 3.2279% | 2,217 |
| Noncurrent loans to loans | 3.6347% | 2,150 |
| Net loans and leases to total assets | 69.7210% | 2,805 |
| Net loans and leases to deposits | 77.8601% | 3,853 |
| Net loans and leases to core deposits | 92.5693% | 2,719 |
| Total domestic deposits to total assets | 89.5465% | 1,100 |
| Equity capital to assets | 10.1881% | 3,895 |
| Core capital (leverage) ratio | 10.7139% | 2,501 |
| Tier 1 risk-based capital ratio | 13.9885% | 3,846 |
| Total risk-based capital ratio | 15.2451% | 3,812 |
| Memoranda: | ||
| Average total assets | $29,274,250 | 7,316 |
| Average earning assets | $27,856,000 | 7,256 |
| Average equity | $3,118,500 | 7,329 |
| Average total loans | $21,713,000 | 6,929 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5804% | 2,208 |
| Cost of funding earning assets | 1.6908% | 2,161 |
| Net interest margin | 3.8896% | 3,494 |
| Noninterest income to average assets | 0.5313% | 3,863 |
| Noninterest expense to average assets | 3.0568% | 3,490 |
| Loan and lease loss provision to assets | 0.2070% | 4,806 |
| Net operating income to assets | 0.6072% | 3,853 |
| Return on assets (ROA) | 0.6072% | 3,987 |
| Pretax return on assets | 0.9660% | 3,254 |
| Return on Equity (ROE) | 5.6152% | 3,987 |
| Retained earnings to average equity (ytd only) | 3.1905% | 4,079 |
| Net charge-offs to loans | -0.0183% | 7,272 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2675% | 3,772 |
| Assets per employee ($millions) | 3.6035% | 4,687 |
| Cash dividends to net income (ytd only)* | 43.1818% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 2,787 |
| Loan loss allowance to noncurrent loans | 41.0973% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 3.3509% | 2,097 |
| Noncurrent loans to loans | 4.3282% | 1,715 |
| Net loans and leases to total assets | 76.0441% | 1,489 |
| Net loans and leases to deposits | 85.8609% | 2,525 |
| Net loans and leases to core deposits | 113.4679% | 945 |
| Total domestic deposits to total assets | 88.5667% | 1,690 |
| Equity capital to assets | 10.9199% | 2,950 |
| Core capital (leverage) ratio | 10.7610% | 2,424 |
| Tier 1 risk-based capital ratio | 13.9517% | 3,768 |
| Total risk-based capital ratio | 15.2079% | 3,723 |
| Memoranda: | ||
| Average total assets | $28,984,670 | 7,388 |
| Average earning assets | $27,560,670 | 7,313 |
| Average equity | $3,134,330 | 7,374 |
| Average total loans | $21,834,000 | 6,973 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5978% | 2,161 |
| Cost of funding earning assets | 1.7257% | 2,264 |
| Net interest margin | 3.8720% | 3,445 |
| Noninterest income to average assets | 0.5230% | 3,863 |
| Noninterest expense to average assets | 3.0967% | 3,275 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6882% | 3,489 |
| Return on assets (ROA) | 0.6882% | 3,608 |
| Pretax return on assets | 1.1011% | 2,727 |
| Return on Equity (ROE) | 6.3949% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.3949% | 2,420 |
| Net charge-offs to loans | -0.5372% | 7,806 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7705% | 3,606 |
| Assets per employee ($millions) | 3.2472% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8183% | 2,675 |
| Loan loss allowance to noncurrent loans | 70.1068% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.9230% | 3,600 |
| Noncurrent loans to loans | 2.5937% | 3,076 |
| Net loans and leases to total assets | 72.7938% | 2,263 |
| Net loans and leases to deposits | 81.9681% | 3,288 |
| Net loans and leases to core deposits | 109.8920% | 1,279 |
| Total domestic deposits to total assets | 88.8075% | 1,615 |
| Equity capital to assets | 10.7750% | 2,975 |
| Core capital (leverage) ratio | 10.8184% | 2,358 |
| Tier 1 risk-based capital ratio | 14.2759% | 3,500 |
| Total risk-based capital ratio | 15.5247% | 3,468 |
| Memoranda: | ||
| Average total assets | $29,063,000 | 7,474 |
| Average earning assets | $27,582,500 | 7,404 |
| Average equity | $3,127,500 | 7,457 |
| Average total loans | $21,591,500 | 7,072 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0071% | 1,835 |
| Cost of funding earning assets | 2.0692% | 2,634 |
| Net interest margin | 3.9379% | 3,127 |
| Noninterest income to average assets | 0.5278% | 4,197 |
| Noninterest expense to average assets | 3.0286% | 4,032 |
| Loan and lease loss provision to assets | 0.1771% | 5,928 |
| Net operating income to assets | 0.5880% | 3,371 |
| Return on assets (ROA) | 0.5880% | 3,452 |
| Pretax return on assets | 0.9422% | 2,785 |
| Return on Equity (ROE) | 5.4519% | 3,454 |
| Retained earnings to average equity (ytd only) | 3.9740% | 2,420 |
| Net charge-offs to loans | 0.0095% | 7,098 |
| Credit loss provision to net charge-offs | 2,500.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 187 |
| Efficiency ratio | 73.0145% | 4,095 |
| Assets per employee ($millions) | 3.2112% | 5,699 |
| Cash dividends to net income (ytd only)* | 27.1084% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 2,900 |
| Loan loss allowance to noncurrent loans | 76.0417% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.6608% | 3,881 |
| Noncurrent loans to loans | 2.2310% | 3,362 |
| Net loans and leases to total assets | 73.1809% | 2,458 |
| Net loans and leases to deposits | 82.4144% | 3,560 |
| Net loans and leases to core deposits | 125.4821% | 1,554 |
| Total domestic deposits to total assets | 88.7962% | 1,573 |
| Equity capital to assets | 10.7470% | 2,931 |
| Core capital (leverage) ratio | 10.5918% | 2,509 |
| Tier 1 risk-based capital ratio | 14.2150% | 3,372 |
| Total risk-based capital ratio | 15.4694% | 3,319 |
| Memoranda: | ||
| Average total assets | $28,230,600 | 7,535 |
| Average earning assets | $25,952,600 | 7,505 |
| Average equity | $3,044,800 | 7,575 |
| Average total loans | $20,982,400 | 7,141 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0530% | 1,826 |
| Cost of funding earning assets | 2.1410% | 2,706 |
| Net interest margin | 3.9121% | 3,189 |
| Noninterest income to average assets | 0.5036% | 4,451 |
| Noninterest expense to average assets | 2.7841% | 4,958 |
| Loan and lease loss provision to assets | 0.1425% | 5,932 |
| Net operating income to assets | 0.7364% | 3,070 |
| Return on assets (ROA) | 0.7364% | 3,139 |
| Pretax return on assets | 1.1450% | 2,430 |
| Return on Equity (ROE) | 6.8216% | 3,154 |
| Retained earnings to average equity (ytd only) | 4.8411% | 2,587 |
| Net charge-offs to loans | 0.0128% | 6,740 |
| Credit loss provision to net charge-offs | 1,500.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 135.3258% | 285 |
| Efficiency ratio | 68.3781% | 4,897 |
| Assets per employee ($millions) | 3.2843% | 5,441 |
| Cash dividends to net income (ytd only)* | 29.0332% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 3,118 |
| Loan loss allowance to noncurrent loans | 67.1206% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.7389% | 3,758 |
| Noncurrent loans to loans | 2.3401% | 3,217 |
| Net loans and leases to total assets | 73.1419% | 2,754 |
| Net loans and leases to deposits | 85.6000% | 3,400 |
| Net loans and leases to core deposits | 119.9113% | 2,252 |
| Total domestic deposits to total assets | 85.4461% | 2,995 |
| Equity capital to assets | 10.4740% | 3,544 |
| Core capital (leverage) ratio | 11.2607% | 2,211 |
| Tier 1 risk-based capital ratio | 13.8444% | 3,632 |
| Total risk-based capital ratio | 15.0972% | 3,584 |
| Memoranda: | ||
| Average total assets | $28,063,000 | 7,610 |
| Average earning assets | $25,595,500 | 7,588 |
| Average equity | $3,029,500 | 7,652 |
| Average total loans | $20,849,250 | 7,209 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1627% | 1,587 |
| Cost of funding earning assets | 2.2705% | 2,489 |
| Net interest margin | 3.8923% | 3,152 |
| Noninterest income to average assets | 0.5006% | 4,439 |
| Noninterest expense to average assets | 3.0910% | 3,735 |
| Loan and lease loss provision to assets | 0.2177% | 4,866 |
| Net operating income to assets | 0.4353% | 4,356 |
| Return on assets (ROA) | 0.4353% | 4,471 |
| Pretax return on assets | 0.6748% | 4,084 |
| Return on Equity (ROE) | 3.9903% | 4,494 |
| Retained earnings to average equity (ytd only) | 3.9903% | 3,065 |
| Net charge-offs to loans | 0.0293% | 6,056 |
| Credit loss provision to net charge-offs | 1,000.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 798 |
| Efficiency ratio | 77.5956% | 3,405 |
| Assets per employee ($millions) | 3.0553% | 5,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5744% | 2,847 |
| Loan loss allowance to noncurrent loans | 61.4286% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 2.0365% | 3,148 |
| Noncurrent loans to loans | 2.5630% | 2,829 |
| Net loans and leases to total assets | 78.2057% | 1,699 |
| Net loans and leases to deposits | 94.0767% | 2,078 |
| Net loans and leases to core deposits | 126.1808% | 1,851 |
| Total domestic deposits to total assets | 83.1297% | 4,181 |
| Equity capital to assets | 11.0444% | 2,873 |
| Core capital (leverage) ratio | 11.3691% | 2,153 |
| Tier 1 risk-based capital ratio | 13.9845% | 3,527 |
| Total risk-based capital ratio | 15.2338% | 3,467 |
| Memoranda: | ||
| Average total assets | $27,564,330 | 7,700 |
| Average earning assets | $24,664,330 | 7,695 |
| Average equity | $3,007,330 | 7,730 |
| Average total loans | $20,477,330 | 7,301 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1540% | 1,745 |
| Cost of funding earning assets | 2.3326% | 2,567 |
| Net interest margin | 3.8214% | 3,368 |
| Noninterest income to average assets | 0.4928% | 4,389 |
| Noninterest expense to average assets | 2.9858% | 3,833 |
| Loan and lease loss provision to assets | 0.4348% | 2,754 |
| Net operating income to assets | 0.2899% | 5,335 |
| Return on assets (ROA) | 0.2899% | 5,506 |
| Pretax return on assets | 0.4203% | 5,337 |
| Return on Equity (ROE) | 2.6734% | 5,500 |
| Retained earnings to average equity (ytd only) | 2.6734% | 4,394 |
| Net charge-offs to loans | 0.0808% | 4,360 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 1,645 |
| Efficiency ratio | 77.7358% | 3,211 |
| Assets per employee ($millions) | 2.9881% | 6,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7258% | 2,057 |
| Loan loss allowance to noncurrent loans | 60.4938% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 2.1084% | 2,738 |
| Noncurrent loans to loans | 2.8528% | 2,292 |
| Net loans and leases to total assets | 72.6286% | 3,086 |
| Net loans and leases to deposits | 85.0512% | 3,809 |
| Net loans and leases to core deposits | 115.6835% | 2,830 |
| Total domestic deposits to total assets | 85.3940% | 3,017 |
| Equity capital to assets | 11.1404% | 2,861 |
| Core capital (leverage) ratio | 11.3375% | 2,252 |
| Tier 1 risk-based capital ratio | 14.9357% | 3,101 |
| Total risk-based capital ratio | 16.1924% | 3,026 |
| Memoranda: | ||
| Average total assets | $27,597,500 | 7,746 |
| Average earning assets | $24,179,500 | 7,758 |
| Average equity | $2,992,500 | 7,790 |
| Average total loans | $19,791,500 | 7,378 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7591% | 1,835 |
| Cost of funding earning assets | 2.8890% | 2,314 |
| Net interest margin | 3.8700% | 3,705 |
| Noninterest income to average assets | 0.5632% | 4,127 |
| Noninterest expense to average assets | 3.0438% | 3,928 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6828% | 3,968 |
| Return on assets (ROA) | 0.6828% | 3,805 |
| Pretax return on assets | 1.1110% | 2,989 |
| Return on Equity (ROE) | 6.1026% | 3,901 |
| Retained earnings to average equity (ytd only) | 4.7924% | 2,153 |
| Net charge-offs to loans | 0.1097% | 5,182 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 13.7143% | 2,110 |
| Efficiency ratio | 73.2591% | 3,701 |
| Assets per employee ($millions) | 2.8302% | 6,491 |
| Cash dividends to net income (ytd only)* | 21.4689% | 4,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 2,211 |
| Loan loss allowance to noncurrent loans | 46.0756% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 2.4309% | 1,994 |
| Noncurrent loans to loans | 3.4910% | 1,448 |
| Net loans and leases to total assets | 68.5146% | 4,361 |
| Net loans and leases to deposits | 83.2732% | 4,527 |
| Net loans and leases to core deposits | 112.4442% | 3,517 |
| Total domestic deposits to total assets | 82.2769% | 4,091 |
| Equity capital to assets | 10.5611% | 3,433 |
| Core capital (leverage) ratio | 11.4584% | 2,280 |
| Tier 1 risk-based capital ratio | 14.6831% | 3,212 |
| Total risk-based capital ratio | 15.9369% | 3,129 |
| Memoranda: | ||
| Average total assets | $25,921,800 | 7,808 |
| Average earning assets | $24,056,600 | 7,779 |
| Average equity | $2,900,400 | 7,866 |
| Average total loans | $19,146,000 | 7,393 |