Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4851% | 3,121 |
| Cost of funding earning assets | 1.4725% | 2,013 |
| Net interest margin | 3.0125% | 3,253 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.6490% | 1,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5715% | 3,511 |
| Return on assets (ROA) | 0.4968% | 3,675 |
| Pretax return on assets | 0.4937% | 3,824 |
| Return on Equity (ROE) | 33.2300% | 141 |
| Retained earnings to average equity (ytd only) | 24.6875% | 76 |
| Net charge-offs to loans | 0.0028% | 2,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 365.0000% | 377 |
| Efficiency ratio | 82.3330% | 758 |
| Assets per employee ($millions) | 5.8932% | 2,905 |
| Cash dividends to net income (ytd only)* | 25.7053% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 1,572 |
| Loan loss allowance to noncurrent loans | 141.8338% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 1,037 |
| Noncurrent loans to loans | 0.9538% | 776 |
| Net loans and leases to total assets | 55.6800% | 3,223 |
| Net loans and leases to deposits | 62.8986% | 3,352 |
| Net loans and leases to core deposits | 70.5380% | 3,276 |
| Total domestic deposits to total assets | 88.5200% | 1,200 |
| Equity capital to assets | 2.4219% | 4,558 |
| Core capital (leverage) ratio | 8.2899% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3279% | 1,747 |
| Memoranda: | ||
| Average total assets | $64,211,800 | 4,172 |
| Average earning assets | $60,712,800 | 4,127 |
| Average equity | $960,000 | 4,521 |
| Average total loans | $36,077,000 | 4,050 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 3,228 |
| Cost of funding earning assets | 1.3574% | 1,987 |
| Net interest margin | 2.9770% | 3,382 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.6434% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5953% | 3,555 |
| Return on assets (ROA) | 0.4954% | 3,774 |
| Pretax return on assets | 0.4912% | 3,914 |
| Return on Equity (ROE) | 39.3000% | 119 |
| Retained earnings to average equity (ytd only) | 25.7579% | 130 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.7246% | 746 |
| Assets per employee ($millions) | 5.8814% | 2,854 |
| Cash dividends to net income (ytd only)* | 34.4538% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 1,708 |
| Loan loss allowance to noncurrent loans | 63.5083% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2072% | 372 |
| Noncurrent loans to loans | 2.1067% | 273 |
| Net loans and leases to total assets | 56.5400% | 3,150 |
| Net loans and leases to deposits | 62.6597% | 3,362 |
| Net loans and leases to core deposits | 67.6212% | 3,347 |
| Total domestic deposits to total assets | 90.2300% | 880 |
| Equity capital to assets | 0.6167% | 4,584 |
| Core capital (leverage) ratio | 8.2934% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9234% | 1,927 |
| Memoranda: | ||
| Average total assets | $64,058,500 | 4,190 |
| Average earning assets | $60,506,000 | 4,152 |
| Average equity | $807,500 | 4,549 |
| Average total loans | $35,948,750 | 4,071 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2341% | 3,224 |
| Cost of funding earning assets | 1.2490% | 1,855 |
| Net interest margin | 2.9851% | 3,468 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.7128% | 1,612 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6265% | 3,514 |
| Return on assets (ROA) | 0.6265% | 3,523 |
| Pretax return on assets | 0.6265% | 3,745 |
| Return on Equity (ROE) | 42.3900% | 97 |
| Retained earnings to average equity (ytd only) | 26.7043% | 97 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.2383% | 763 |
| Assets per employee ($millions) | 4.8379% | 3,727 |
| Cash dividends to net income (ytd only)* | 37.0000% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 1,641 |
| Loan loss allowance to noncurrent loans | 51.9916% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.5169% | 232 |
| Noncurrent loans to loans | 2.6330% | 175 |
| Net loans and leases to total assets | 56.8200% | 3,061 |
| Net loans and leases to deposits | 63.7899% | 3,201 |
| Net loans and leases to core deposits | 69.0437% | 3,181 |
| Total domestic deposits to total assets | 89.0800% | 1,230 |
| Equity capital to assets | 1.5423% | 4,615 |
| Core capital (leverage) ratio | 8.1896% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1472% | 1,832 |
| Memoranda: | ||
| Average total assets | $63,846,333 | 4,210 |
| Average earning assets | $60,366,333 | 4,177 |
| Average equity | $943,667 | 4,575 |
| Average total loans | $35,574,000 | 4,088 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9850% | 3,485 |
| Cost of funding earning assets | 1.0275% | 1,958 |
| Net interest margin | 2.9575% | 3,682 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 2.7797% | 1,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8084% | 3,169 |
| Return on assets (ROA) | 0.8084% | 3,123 |
| Pretax return on assets | 0.8084% | 3,444 |
| Return on Equity (ROE) | 55.8800% | 63 |
| Retained earnings to average equity (ytd only) | 51.5852% | 38 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.4697% | 1,049 |
| Assets per employee ($millions) | 5.4866% | 3,233 |
| Cash dividends to net income (ytd only)* | 7.6923% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 1,580 |
| Loan loss allowance to noncurrent loans | 62.7054% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.2014% | 302 |
| Noncurrent loans to loans | 2.2501% | 222 |
| Net loans and leases to total assets | 52.6400% | 3,303 |
| Net loans and leases to deposits | 59.2708% | 3,383 |
| Net loans and leases to core deposits | 63.3266% | 3,374 |
| Total domestic deposits to total assets | 88.8100% | 1,609 |
| Equity capital to assets | 1.5963% | 4,646 |
| Core capital (leverage) ratio | 9.6432% | 3,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7793% | 1,423 |
| Memoranda: | ||
| Average total assets | $64,323,000 | 4,261 |
| Average earning assets | $60,727,500 | 4,223 |
| Average equity | $930,500 | 4,646 |
| Average total loans | $35,244,500 | 4,147 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4469% | 3,215 |
| Cost of funding earning assets | 0.4547% | 1,686 |
| Net interest margin | 2.9922% | 3,472 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.8852% | 1,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2267% | 4,432 |
| Return on assets (ROA) | 0.2267% | 4,407 |
| Pretax return on assets | 0.2331% | 4,419 |
| Return on Equity (ROE) | 7.1200% | 3,614 |
| Retained earnings to average equity (ytd only) | 4.4612% | 3,249 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 92.5243% | 252 |
| Assets per employee ($millions) | 4.8313% | 3,794 |
| Cash dividends to net income (ytd only)* | 37.3239% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 1,492 |
| Loan loss allowance to noncurrent loans | 52.4313% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.5062% | 215 |
| Noncurrent loans to loans | 2.6772% | 171 |
| Net loans and leases to total assets | 55.4700% | 3,080 |
| Net loans and leases to deposits | 60.8701% | 3,282 |
| Net loans and leases to core deposits | 64.0093% | 3,265 |
| Total domestic deposits to total assets | 91.1300% | 906 |
| Equity capital to assets | 1.2897% | 4,672 |
| Core capital (leverage) ratio | 9.4792% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5175% | 1,473 |
| Memoranda: | ||
| Average total assets | $62,630,600 | 4,314 |
| Average earning assets | $59,821,800 | 4,263 |
| Average equity | $1,995,000 | 4,676 |
| Average total loans | $32,591,800 | 4,198 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3148% | 3,139 |
| Cost of funding earning assets | 0.3252% | 1,910 |
| Net interest margin | 2.9896% | 3,241 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.8973% | 1,063 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2492% | 4,430 |
| Return on assets (ROA) | 0.2492% | 4,395 |
| Pretax return on assets | 0.2727% | 4,405 |
| Return on Equity (ROE) | 6.8100% | 3,630 |
| Retained earnings to average equity (ytd only) | 3.3751% | 3,678 |
| Net charge-offs to loans | 0.0084% | 1,828 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 1,141 |
| Efficiency ratio | 91.3978% | 289 |
| Assets per employee ($millions) | 4.8477% | 3,802 |
| Cash dividends to net income (ytd only)* | 50.4274% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 1,527 |
| Loan loss allowance to noncurrent loans | 49.3532% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.5947% | 203 |
| Noncurrent loans to loans | 2.8871% | 167 |
| Net loans and leases to total assets | 54.4500% | 3,053 |
| Net loans and leases to deposits | 60.3419% | 3,167 |
| Net loans and leases to core deposits | 62.4925% | 3,215 |
| Total domestic deposits to total assets | 90.2300% | 1,556 |
| Equity capital to assets | 0.4459% | 4,708 |
| Core capital (leverage) ratio | 8.1905% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9628% | 1,440 |
| Memoranda: | ||
| Average total assets | $62,586,500 | 4,344 |
| Average earning assets | $59,851,000 | 4,300 |
| Average equity | $2,291,250 | 4,696 |
| Average total loans | $31,906,000 | 4,236 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2027% | 3,037 |
| Cost of funding earning assets | 0.2817% | 1,881 |
| Net interest margin | 2.9210% | 3,113 |
| Noninterest income to average assets | 0.3491% | 3,062 |
| Noninterest expense to average assets | 2.8987% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2050% | 4,414 |
| Return on assets (ROA) | 0.2050% | 4,374 |
| Pretax return on assets | 0.2402% | 4,361 |
| Return on Equity (ROE) | 4.3224% | 3,958 |
| Retained earnings to average equity (ytd only) | 0.9455% | 4,009 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3469% | 334 |
| Assets per employee ($millions) | 4.2744% | 4,222 |
| Cash dividends to net income (ytd only)* | 78.1250% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5761% | 1,209 |
| Loan loss allowance to noncurrent loans | 43.4555% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.9150% | 156 |
| Noncurrent loans to loans | 3.6270% | 110 |
| Net loans and leases to total assets | 51.9668% | 3,157 |
| Net loans and leases to deposits | 55.2647% | 3,441 |
| Net loans and leases to core deposits | 56.9519% | 3,495 |
| Total domestic deposits to total assets | 94.0326% | 279 |
| Equity capital to assets | 1.1982% | 4,746 |
| Core capital (leverage) ratio | 8.8468% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0052% | 1,187 |
| Memoranda: | ||
| Average total assets | $62,442,000 | 4,392 |
| Average earning assets | $59,637,333 | 4,359 |
| Average equity | $2,961,333 | 4,691 |
| Average total loans | $30,938,000 | 4,296 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0308% | 3,165 |
| Cost of funding earning assets | 0.2695% | 1,932 |
| Net interest margin | 2.7612% | 3,248 |
| Noninterest income to average assets | 0.4581% | 2,369 |
| Noninterest expense to average assets | 2.5478% | 1,759 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5460% | 3,574 |
| Return on assets (ROA) | 0.5460% | 3,546 |
| Pretax return on assets | 0.5460% | 3,766 |
| Return on Equity (ROE) | 8.5221% | 2,502 |
| Retained earnings to average equity (ytd only) | 7.3466% | 1,786 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3529% | 957 |
| Assets per employee ($millions) | 4.8493% | 3,885 |
| Cash dividends to net income (ytd only)* | 13.7931% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 1,327 |
| Loan loss allowance to noncurrent loans | 37.8995% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 2.0844% | 131 |
| Noncurrent loans to loans | 4.1655% | 90 |
| Net loans and leases to total assets | 49.2489% | 3,251 |
| Net loans and leases to deposits | 54.2495% | 3,401 |
| Net loans and leases to core deposits | 55.6198% | 3,479 |
| Total domestic deposits to total assets | 90.7822% | 1,144 |
| Equity capital to assets | 4.7017% | 4,744 |
| Core capital (leverage) ratio | 8.2695% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9641% | 1,267 |
| Memoranda: | ||
| Average total assets | $63,742,000 | 4,391 |
| Average earning assets | $60,842,500 | 4,361 |
| Average equity | $4,083,500 | 4,648 |
| Average total loans | $30,609,000 | 4,317 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3591% | 3,028 |
| Cost of funding earning assets | 0.3541% | 1,905 |
| Net interest margin | 3.0050% | 3,181 |
| Noninterest income to average assets | 0.2841% | 3,694 |
| Noninterest expense to average assets | 2.5935% | 1,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4588% | 4,167 |
| Return on assets (ROA) | 0.4846% | 4,169 |
| Pretax return on assets | 0.5320% | 4,204 |
| Return on Equity (ROE) | 5.6831% | 3,846 |
| Retained earnings to average equity (ytd only) | 4.3132% | 3,082 |
| Net charge-offs to loans | -0.0201% | 3,982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7411% | 586 |
| Assets per employee ($millions) | 5.3703% | 3,394 |
| Cash dividends to net income (ytd only)* | 24.1042% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 1,093 |
| Loan loss allowance to noncurrent loans | 37.3034% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.0716% | 149 |
| Noncurrent loans to loans | 4.4990% | 86 |
| Net loans and leases to total assets | 45.2726% | 3,745 |
| Net loans and leases to deposits | 51.7425% | 3,755 |
| Net loans and leases to core deposits | 53.0638% | 3,823 |
| Total domestic deposits to total assets | 87.4959% | 2,280 |
| Equity capital to assets | 8.0738% | 4,322 |
| Core capital (leverage) ratio | 8.2054% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7027% | 1,116 |
| Memoranda: | ||
| Average total assets | $63,350,200 | 4,407 |
| Average earning assets | $59,300,800 | 4,386 |
| Average equity | $5,402,000 | 4,590 |
| Average total loans | $29,790,800 | 4,377 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5020% | 2,836 |
| Cost of funding earning assets | 0.3742% | 1,900 |
| Net interest margin | 3.1277% | 2,971 |
| Noninterest income to average assets | 0.3044% | 3,611 |
| Noninterest expense to average assets | 2.5851% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6222% | 3,966 |
| Return on assets (ROA) | 0.6595% | 3,927 |
| Pretax return on assets | 0.6722% | 4,118 |
| Return on Equity (ROE) | 7.6304% | 3,499 |
| Retained earnings to average equity (ytd only) | 5.8206% | 2,907 |
| Net charge-offs to loans | -0.0179% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3020% | 726 |
| Assets per employee ($millions) | 5.9930% | 2,705 |
| Cash dividends to net income (ytd only)* | 23.7179% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 1,040 |
| Loan loss allowance to noncurrent loans | 35.9681% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 2.0918% | 174 |
| Noncurrent loans to loans | 4.8264% | 83 |
| Net loans and leases to total assets | 42.5891% | 4,054 |
| Net loans and leases to deposits | 48.8839% | 4,076 |
| Net loans and leases to core deposits | 50.1044% | 4,129 |
| Total domestic deposits to total assets | 87.1229% | 2,307 |
| Equity capital to assets | 8.3704% | 4,294 |
| Core capital (leverage) ratio | 8.3586% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7312% | 1,182 |
| Memoranda: | ||
| Average total assets | $63,077,000 | 4,476 |
| Average earning assets | $58,784,250 | 4,454 |
| Average equity | $5,451,750 | 4,652 |
| Average total loans | $29,820,250 | 4,437 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7805% | 2,117 |
| Cost of funding earning assets | 0.3969% | 1,905 |
| Net interest margin | 3.3837% | 2,192 |
| Noninterest income to average assets | 0.3187% | 3,518 |
| Noninterest expense to average assets | 2.4916% | 2,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9915% | 2,918 |
| Return on assets (ROA) | 0.9915% | 3,003 |
| Pretax return on assets | 1.0108% | 3,425 |
| Return on Equity (ROE) | 11.3451% | 2,288 |
| Retained earnings to average equity (ytd only) | 9.7980% | 1,461 |
| Net charge-offs to loans | -0.0265% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1397% | 1,511 |
| Assets per employee ($millions) | 4.8092% | 3,830 |
| Cash dividends to net income (ytd only)* | 13.6364% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 1,056 |
| Loan loss allowance to noncurrent loans | 35.6322% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 2.2265% | 174 |
| Noncurrent loans to loans | 4.7719% | 92 |
| Net loans and leases to total assets | 45.8661% | 3,915 |
| Net loans and leases to deposits | 53.0017% | 3,929 |
| Net loans and leases to core deposits | 54.4035% | 4,002 |
| Total domestic deposits to total assets | 86.5369% | 2,534 |
| Equity capital to assets | 8.8325% | 3,940 |
| Core capital (leverage) ratio | 8.5784% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1141% | 938 |
| Memoranda: | ||
| Average total assets | $62,128,333 | 4,514 |
| Average earning assets | $58,457,333 | 4,490 |
| Average equity | $5,429,667 | 4,683 |
| Average total loans | $30,236,333 | 4,463 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0459% | 3,993 |
| Cost of funding earning assets | 0.4332% | 1,841 |
| Net interest margin | 2.6127% | 4,124 |
| Noninterest income to average assets | 0.2067% | 4,145 |
| Noninterest expense to average assets | 2.4995% | 2,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1227% | 4,697 |
| Return on assets (ROA) | 0.1227% | 4,713 |
| Pretax return on assets | 0.1615% | 4,698 |
| Return on Equity (ROE) | 1.4117% | 4,668 |
| Retained earnings to average equity (ytd only) | 1.4117% | 4,142 |
| Net charge-offs to loans | -0.0520% | 4,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9320% | 286 |
| Assets per employee ($millions) | 4.5630% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 1,308 |
| Loan loss allowance to noncurrent loans | 35.4793% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 2.2338% | 207 |
| Noncurrent loans to loans | 4.4969% | 106 |
| Net loans and leases to total assets | 47.8883% | 3,831 |
| Net loans and leases to deposits | 53.3147% | 3,985 |
| Net loans and leases to core deposits | 54.6374% | 4,069 |
| Total domestic deposits to total assets | 89.8219% | 901 |
| Equity capital to assets | 7.9522% | 4,520 |
| Core capital (leverage) ratio | 8.0778% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9481% | 1,303 |
| Memoranda: | ||
| Average total assets | $61,933,000 | 4,532 |
| Average earning assets | $58,176,500 | 4,517 |
| Average equity | $5,383,500 | 4,704 |
| Average total loans | $30,769,000 | 4,476 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0199% | 2,666 |
| Cost of funding earning assets | 0.7083% | 1,681 |
| Net interest margin | 3.3116% | 3,039 |
| Noninterest income to average assets | 0.3790% | 3,216 |
| Noninterest expense to average assets | 2.5992% | 2,551 |
| Loan and lease loss provision to assets | 0.1391% | 2,619 |
| Net operating income to assets | 0.7459% | 3,275 |
| Return on assets (ROA) | 0.7806% | 3,290 |
| Pretax return on assets | 0.7806% | 3,674 |
| Return on Equity (ROE) | 8.4114% | 2,645 |
| Retained earnings to average equity (ytd only) | 4.7958% | 2,371 |
| Net charge-offs to loans | 0.0623% | 1,888 |
| Credit loss provision to net charge-offs | 400.0000% | 1,431 |
| Earnings coverage of net charge-offs (x) | 25.4500% | 1,742 |
| Efficiency ratio | 74.6008% | 1,376 |
| Assets per employee ($millions) | 4.6142% | 3,793 |
| Cash dividends to net income (ytd only)* | 42.9844% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6158% | 1,249 |
| Loan loss allowance to noncurrent loans | 523.4043% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 3,262 |
| Noncurrent loans to loans | 0.3087% | 3,101 |
| Net loans and leases to total assets | 49.9433% | 3,830 |
| Net loans and leases to deposits | 56.6442% | 3,959 |
| Net loans and leases to core deposits | 58.1675% | 4,040 |
| Total domestic deposits to total assets | 88.1702% | 1,397 |
| Equity capital to assets | 9.4809% | 3,637 |
| Core capital (leverage) ratio | 8.4386% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4833% | 1,158 |
| Memoranda: | ||
| Average total assets | $57,518,200 | 4,546 |
| Average earning assets | $53,931,800 | 4,527 |
| Average equity | $5,338,000 | 4,712 |
| Average total loans | $32,093,600 | 4,478 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0510% | 2,821 |
| Cost of funding earning assets | 0.7368% | 1,818 |
| Net interest margin | 3.3142% | 3,142 |
| Noninterest income to average assets | 0.4358% | 2,905 |
| Noninterest expense to average assets | 2.5728% | 2,616 |
| Loan and lease loss provision to assets | 0.0703% | 3,449 |
| Net operating income to assets | 0.9021% | 2,697 |
| Return on assets (ROA) | 0.9490% | 2,660 |
| Pretax return on assets | 0.9490% | 3,239 |
| Return on Equity (ROE) | 10.2840% | 1,914 |
| Retained earnings to average equity (ytd only) | 5.3832% | 2,386 |
| Net charge-offs to loans | -0.0287% | 4,515 |
| Credit loss provision to net charge-offs | -428.5714% | 3,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5711% | 1,567 |
| Assets per employee ($millions) | 4.5788% | 3,744 |
| Cash dividends to net income (ytd only)* | 47.6543% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 1,340 |
| Loan loss allowance to noncurrent loans | 732.8125% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 3,632 |
| Noncurrent loans to loans | 0.2068% | 3,556 |
| Net loans and leases to total assets | 51.1936% | 4,021 |
| Net loans and leases to deposits | 58.1524% | 4,156 |
| Net loans and leases to core deposits | 59.7194% | 4,218 |
| Total domestic deposits to total assets | 88.0336% | 1,206 |
| Equity capital to assets | 9.4179% | 3,753 |
| Core capital (leverage) ratio | 8.6441% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7406% | 1,316 |
| Memoranda: | ||
| Average total assets | $56,901,750 | 4,571 |
| Average earning assets | $53,385,000 | 4,552 |
| Average equity | $5,250,750 | 4,749 |
| Average total loans | $32,504,500 | 4,497 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 2,642 |
| Cost of funding earning assets | 0.7630% | 2,032 |
| Net interest margin | 3.4751% | 2,868 |
| Noninterest income to average assets | 0.3962% | 3,102 |
| Noninterest expense to average assets | 2.6023% | 2,659 |
| Loan and lease loss provision to assets | 0.1071% | 2,937 |
| Net operating income to assets | 0.9710% | 2,422 |
| Return on assets (ROA) | 0.9781% | 2,533 |
| Pretax return on assets | 0.9781% | 3,088 |
| Return on Equity (ROE) | 10.6774% | 1,750 |
| Retained earnings to average equity (ytd only) | 4.5593% | 2,677 |
| Net charge-offs to loans | -0.0424% | 4,640 |
| Credit loss provision to net charge-offs | -428.5714% | 3,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7081% | 1,860 |
| Assets per employee ($millions) | 4.4201% | 3,889 |
| Cash dividends to net income (ytd only)* | 57.2993% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 1,510 |
| Loan loss allowance to noncurrent loans | 732.8125% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 3,716 |
| Noncurrent loans to loans | 0.1941% | 3,681 |
| Net loans and leases to total assets | 56.5810% | 3,640 |
| Net loans and leases to deposits | 65.0214% | 3,806 |
| Net loans and leases to core deposits | 66.8490% | 3,932 |
| Total domestic deposits to total assets | 87.0190% | 1,607 |
| Equity capital to assets | 9.5212% | 3,642 |
| Core capital (leverage) ratio | 8.8305% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3204% | 1,688 |
| Memoranda: | ||
| Average total assets | $56,027,333 | 4,597 |
| Average earning assets | $52,948,000 | 4,570 |
| Average equity | $5,132,333 | 4,785 |
| Average total loans | $33,025,333 | 4,509 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2623% | 3,031 |
| Cost of funding earning assets | 0.7935% | 2,431 |
| Net interest margin | 3.4688% | 3,084 |
| Noninterest income to average assets | 0.2314% | 4,162 |
| Noninterest expense to average assets | 2.6903% | 2,736 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8606% | 2,654 |
| Return on assets (ROA) | 0.8751% | 2,702 |
| Pretax return on assets | 0.8751% | 3,208 |
| Return on Equity (ROE) | 9.7522% | 1,824 |
| Retained earnings to average equity (ytd only) | 5.2388% | 2,178 |
| Net charge-offs to loans | 0.2905% | 504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 4.9583% | 2,095 |
| Efficiency ratio | 75.7637% | 1,587 |
| Assets per employee ($millions) | 4.9791% | 2,670 |
| Cash dividends to net income (ytd only)* | 46.2810% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,312 |
| Loan loss allowance to noncurrent loans | 196.1538% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 2,732 |
| Noncurrent loans to loans | 0.6448% | 2,380 |
| Net loans and leases to total assets | 58.1559% | 3,658 |
| Net loans and leases to deposits | 66.7267% | 3,815 |
| Net loans and leases to core deposits | 68.6836% | 3,952 |
| Total domestic deposits to total assets | 87.1554% | 1,486 |
| Equity capital to assets | 9.0250% | 4,589 |
| Core capital (leverage) ratio | 8.9336% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8149% | 1,391 |
| Memoranda: | ||
| Average total assets | $55,310,500 | 4,623 |
| Average earning assets | $52,929,500 | 4,586 |
| Average equity | $4,963,000 | 4,839 |
| Average total loans | $33,047,500 | 4,536 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1754% | 3,868 |
| Cost of funding earning assets | 0.8425% | 2,474 |
| Net interest margin | 3.3329% | 3,908 |
| Noninterest income to average assets | 0.3056% | 3,857 |
| Noninterest expense to average assets | 2.8545% | 2,428 |
| Loan and lease loss provision to assets | 0.1686% | 1,233 |
| Net operating income to assets | 0.4260% | 4,551 |
| Return on assets (ROA) | 0.5242% | 4,397 |
| Pretax return on assets | 0.5242% | 4,530 |
| Return on Equity (ROE) | 6.1354% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.1137% | 1,814 |
| Net charge-offs to loans | 0.2916% | 713 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 3.5275% | 3,314 |
| Efficiency ratio | 82.7605% | 750 |
| Assets per employee ($millions) | 5.0774% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.3534% | 3,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 2,038 |
| Loan loss allowance to noncurrent loans | 191.1504% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 2,579 |
| Noncurrent loans to loans | 0.6679% | 2,215 |
| Net loans and leases to total assets | 59.8073% | 3,601 |
| Net loans and leases to deposits | 67.8426% | 3,831 |
| Net loans and leases to core deposits | 69.3959% | 3,998 |
| Total domestic deposits to total assets | 88.1560% | 1,057 |
| Equity capital to assets | 8.9220% | 4,721 |
| Core capital (leverage) ratio | 8.7783% | 4,678 |
| Tier 1 risk-based capital ratio | 14.2316% | 3,155 |
| Total risk-based capital ratio | 15.4718% | 3,071 |
| Memoranda: | ||
| Average total assets | $53,985,800 | 4,680 |
| Average earning assets | $50,917,000 | 4,657 |
| Average equity | $4,612,600 | 4,931 |
| Average total loans | $31,204,000 | 4,615 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1669% | 3,998 |
| Cost of funding earning assets | 0.8536% | 2,452 |
| Net interest margin | 3.3133% | 4,071 |
| Noninterest income to average assets | 0.3064% | 3,909 |
| Noninterest expense to average assets | 2.9621% | 2,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4484% | 4,625 |
| Return on assets (ROA) | 0.4310% | 4,691 |
| Pretax return on assets | 0.4310% | 4,774 |
| Return on Equity (ROE) | 5.1031% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.0737% | 2,859 |
| Net charge-offs to loans | 0.3972% | 421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1.9780% | 3,235 |
| Efficiency ratio | 86.8517% | 457 |
| Assets per employee ($millions) | 3.9532% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.5766% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 3,051 |
| Loan loss allowance to noncurrent loans | 108.5987% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 2,148 |
| Noncurrent loans to loans | 1.0088% | 1,585 |
| Net loans and leases to total assets | 55.6220% | 4,068 |
| Net loans and leases to deposits | 62.9388% | 4,239 |
| Net loans and leases to core deposits | 63.6506% | 4,389 |
| Total domestic deposits to total assets | 88.3747% | 889 |
| Equity capital to assets | 8.8463% | 4,850 |
| Core capital (leverage) ratio | 9.0441% | 4,602 |
| Tier 1 risk-based capital ratio | 15.6304% | 2,590 |
| Total risk-based capital ratio | 16.7301% | 2,582 |
| Memoranda: | ||
| Average total assets | $53,519,500 | 4,757 |
| Average earning assets | $50,139,750 | 4,738 |
| Average equity | $4,520,000 | 5,002 |
| Average total loans | $30,546,250 | 4,688 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1770% | 3,979 |
| Cost of funding earning assets | 0.8789% | 2,252 |
| Net interest margin | 3.2981% | 4,152 |
| Noninterest income to average assets | 0.3024% | 3,910 |
| Noninterest expense to average assets | 3.0617% | 1,833 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3326% | 4,828 |
| Return on assets (ROA) | 0.2986% | 4,886 |
| Pretax return on assets | 0.2986% | 4,934 |
| Return on Equity (ROE) | 3.5953% | 4,669 |
| Retained earnings to average equity (ytd only) | 3.5498% | 3,470 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2004% | 345 |
| Assets per employee ($millions) | 4.0185% | 3,842 |
| Cash dividends to net income (ytd only)* | 1.2658% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 1,372 |
| Loan loss allowance to noncurrent loans | 98.1818% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.8423% | 1,672 |
| Noncurrent loans to loans | 1.4943% | 1,036 |
| Net loans and leases to total assets | 55.5398% | 4,103 |
| Net loans and leases to deposits | 63.0328% | 4,272 |
| Net loans and leases to core deposits | 63.7867% | 4,426 |
| Total domestic deposits to total assets | 88.1126% | 1,049 |
| Equity capital to assets | 8.9969% | 4,799 |
| Core capital (leverage) ratio | 8.8349% | 4,766 |
| Tier 1 risk-based capital ratio | 16.4066% | 2,277 |
| Total risk-based capital ratio | 17.6562% | 2,213 |
| Memoranda: | ||
| Average total assets | $52,911,000 | 4,803 |
| Average earning assets | $49,604,670 | 4,780 |
| Average equity | $4,394,670 | 5,057 |
| Average total loans | $30,353,330 | 4,727 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 4,107 |
| Cost of funding earning assets | 0.8535% | 2,253 |
| Net interest margin | 3.2531% | 4,269 |
| Noninterest income to average assets | 0.2329% | 4,346 |
| Noninterest expense to average assets | 2.9899% | 2,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2780% | 4,925 |
| Return on assets (ROA) | 0.1878% | 5,023 |
| Pretax return on assets | 0.1878% | 5,039 |
| Return on Equity (ROE) | 2.3574% | 4,917 |
| Retained earnings to average equity (ytd only) | 2.2631% | 3,993 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4943% | 344 |
| Assets per employee ($millions) | 4.1785% | 3,661 |
| Cash dividends to net income (ytd only)* | 4.0000% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,574 |
| Loan loss allowance to noncurrent loans | 131.3070% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 2,256 |
| Noncurrent loans to loans | 1.0890% | 1,526 |
| Net loans and leases to total assets | 54.8214% | 4,146 |
| Net loans and leases to deposits | 61.4786% | 4,333 |
| Net loans and leases to core deposits | 62.1717% | 4,462 |
| Total domestic deposits to total assets | 89.1716% | 782 |
| Equity capital to assets | 8.0854% | 5,155 |
| Core capital (leverage) ratio | 8.7497% | 4,829 |
| Tier 1 risk-based capital ratio | 15.8830% | 2,494 |
| Total risk-based capital ratio | 17.1337% | 2,425 |
| Memoranda: | ||
| Average total assets | $53,246,500 | 4,849 |
| Average earning assets | $49,675,000 | 4,833 |
| Average equity | $4,242,000 | 5,116 |
| Average total loans | $30,807,000 | 4,771 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0742% | 3,822 |
| Cost of funding earning assets | 0.6780% | 2,226 |
| Net interest margin | 3.3962% | 4,008 |
| Noninterest income to average assets | 0.2465% | 4,447 |
| Noninterest expense to average assets | 2.7822% | 2,747 |
| Loan and lease loss provision to assets | 0.5430% | 208 |
| Net operating income to assets | 0.1040% | 5,178 |
| Return on assets (ROA) | 0.1040% | 5,172 |
| Pretax return on assets | 0.1040% | 5,176 |
| Return on Equity (ROE) | 1.3064% | 5,129 |
| Retained earnings to average equity (ytd only) | 1.2580% | 4,630 |
| Net charge-offs to loans | 0.8741% | 174 |
| Credit loss provision to net charge-offs | 108.0460% | 2,373 |
| Earnings coverage of net charge-offs (x) | 1.2874% | 3,639 |
| Efficiency ratio | 81.1342% | 869 |
| Assets per employee ($millions) | 4.0133% | 3,876 |
| Cash dividends to net income (ytd only)* | 3.7037% | 3,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 1,734 |
| Loan loss allowance to noncurrent loans | 129.3413% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 1,995 |
| Noncurrent loans to loans | 1.0636% | 1,535 |
| Net loans and leases to total assets | 59.3621% | 3,834 |
| Net loans and leases to deposits | 67.8608% | 3,988 |
| Net loans and leases to core deposits | 68.6718% | 4,200 |
| Total domestic deposits to total assets | 87.4763% | 1,550 |
| Equity capital to assets | 7.8431% | 5,212 |
| Core capital (leverage) ratio | 8.9328% | 4,708 |
| Tier 1 risk-based capital ratio | 15.3384% | 2,683 |
| Total risk-based capital ratio | 16.5885% | 2,607 |
| Memoranda: | ||
| Average total assets | $51,936,800 | 4,898 |
| Average earning assets | $48,672,000 | 4,880 |
| Average equity | $4,133,600 | 5,162 |
| Average total loans | $29,860,800 | 4,822 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0252% | 3,857 |
| Cost of funding earning assets | 0.6507% | 2,146 |
| Net interest margin | 3.3745% | 4,086 |
| Noninterest income to average assets | 0.2519% | 4,464 |
| Noninterest expense to average assets | 2.8065% | 2,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6040% | 4,491 |
| Return on assets (ROA) | 0.6040% | 4,502 |
| Pretax return on assets | 0.6040% | 4,724 |
| Return on Equity (ROE) | 7.5611% | 3,726 |
| Retained earnings to average equity (ytd only) | 7.4966% | 1,886 |
| Net charge-offs to loans | -0.0181% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2909% | 759 |
| Assets per employee ($millions) | 4.0244% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.8521% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 1,874 |
| Loan loss allowance to noncurrent loans | 813.7255% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 4,487 |
| Noncurrent loans to loans | 0.1661% | 4,143 |
| Net loans and leases to total assets | 57.9028% | 4,055 |
| Net loans and leases to deposits | 64.9298% | 4,281 |
| Net loans and leases to core deposits | 66.3375% | 4,393 |
| Total domestic deposits to total assets | 89.1775% | 785 |
| Equity capital to assets | 7.8005% | 5,237 |
| Core capital (leverage) ratio | 9.2758% | 4,428 |
| Tier 1 risk-based capital ratio | 16.1223% | 2,396 |
| Total risk-based capital ratio | 17.3737% | 2,343 |
| Memoranda: | ||
| Average total assets | $51,877,750 | 4,953 |
| Average earning assets | $48,559,500 | 4,940 |
| Average equity | $4,144,000 | 5,223 |
| Average total loans | $29,475,250 | 4,889 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9779% | 3,850 |
| Cost of funding earning assets | 0.6292% | 2,051 |
| Net interest margin | 3.3487% | 4,111 |
| Noninterest income to average assets | 0.2436% | 4,552 |
| Noninterest expense to average assets | 2.7450% | 2,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6263% | 4,421 |
| Return on assets (ROA) | 0.6263% | 4,423 |
| Pretax return on assets | 0.6263% | 4,689 |
| Return on Equity (ROE) | 7.7791% | 3,599 |
| Retained earnings to average equity (ytd only) | 7.7791% | 1,716 |
| Net charge-offs to loans | -0.0069% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4220% | 882 |
| Assets per employee ($millions) | 3.9704% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 1,872 |
| Loan loss allowance to noncurrent loans | 807.8431% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 4,504 |
| Noncurrent loans to loans | 0.1691% | 4,154 |
| Net loans and leases to total assets | 57.6499% | 4,026 |
| Net loans and leases to deposits | 66.2393% | 4,154 |
| Net loans and leases to core deposits | 67.7273% | 4,270 |
| Total domestic deposits to total assets | 87.0328% | 1,828 |
| Equity capital to assets | 8.0287% | 5,217 |
| Core capital (leverage) ratio | 9.2702% | 4,395 |
| Tier 1 risk-based capital ratio | 16.2077% | 2,365 |
| Total risk-based capital ratio | 17.4576% | 2,309 |
| Memoranda: | ||
| Average total assets | $51,731,330 | 5,018 |
| Average earning assets | $48,316,670 | 4,998 |
| Average equity | $4,165,000 | 5,282 |
| Average total loans | $29,064,330 | 4,944 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9228% | 3,867 |
| Cost of funding earning assets | 0.5997% | 2,056 |
| Net interest margin | 3.3231% | 4,125 |
| Noninterest income to average assets | 0.1622% | 5,050 |
| Noninterest expense to average assets | 2.9736% | 2,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2703% | 5,135 |
| Return on assets (ROA) | 0.2703% | 5,137 |
| Pretax return on assets | 0.2703% | 5,190 |
| Return on Equity (ROE) | 3.3529% | 4,940 |
| Retained earnings to average equity (ytd only) | 3.3529% | 3,866 |
| Net charge-offs to loans | -0.0140% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6667% | 374 |
| Assets per employee ($millions) | 3.9805% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 1,533 |
| Loan loss allowance to noncurrent loans | 807.8431% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 4,595 |
| Noncurrent loans to loans | 0.1832% | 4,143 |
| Net loans and leases to total assets | 52.9935% | 4,370 |
| Net loans and leases to deposits | 59.5083% | 4,508 |
| Net loans and leases to core deposits | 60.8054% | 4,617 |
| Total domestic deposits to total assets | 89.0523% | 1,069 |
| Equity capital to assets | 7.8132% | 5,323 |
| Core capital (leverage) ratio | 8.9063% | 4,792 |
| Tier 1 risk-based capital ratio | 16.8329% | 2,169 |
| Total risk-based capital ratio | 18.0833% | 2,116 |
| Memoranda: | ||
| Average total assets | $51,789,500 | 5,080 |
| Average earning assets | $48,027,000 | 5,059 |
| Average equity | $4,175,500 | 5,336 |
| Average total loans | $28,512,500 | 5,005 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6355% | 4,491 |
| Cost of funding earning assets | 0.4918% | 2,409 |
| Net interest margin | 3.1437% | 4,592 |
| Noninterest income to average assets | 0.4506% | 3,304 |
| Noninterest expense to average assets | 3.0915% | 1,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2883% | 4,947 |
| Return on assets (ROA) | 0.2922% | 4,957 |
| Pretax return on assets | 0.2922% | 5,217 |
| Return on Equity (ROE) | 3.5306% | 4,675 |
| Retained earnings to average equity (ytd only) | -1.8460% | 5,272 |
| Net charge-offs to loans | 0.3041% | 851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1.8875% | 3,837 |
| Efficiency ratio | 91.4689% | 366 |
| Assets per employee ($millions) | 3.7024% | 4,431 |
| Cash dividends to net income (ytd only)* | 152.2876% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 1,737 |
| Loan loss allowance to noncurrent loans | 805.8824% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 4,636 |
| Noncurrent loans to loans | 0.1747% | 4,223 |
| Net loans and leases to total assets | 55.5245% | 4,230 |
| Net loans and leases to deposits | 64.0509% | 4,317 |
| Net loans and leases to core deposits | 65.5118% | 4,442 |
| Total domestic deposits to total assets | 86.6880% | 2,157 |
| Equity capital to assets | 8.3113% | 5,252 |
| Core capital (leverage) ratio | 9.0818% | 4,546 |
| Tier 1 risk-based capital ratio | 16.1401% | 2,383 |
| Total risk-based capital ratio | 17.3899% | 2,325 |
| Memoranda: | ||
| Average total assets | $52,369,800 | 5,116 |
| Average earning assets | $48,796,200 | 5,091 |
| Average equity | $4,333,600 | 5,368 |
| Average total loans | $26,311,400 | 5,118 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5947% | 4,577 |
| Cost of funding earning assets | 0.4902% | 2,353 |
| Net interest margin | 3.1045% | 4,705 |
| Noninterest income to average assets | 0.5003% | 3,026 |
| Noninterest expense to average assets | 3.0575% | 1,930 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3377% | 5,143 |
| Return on assets (ROA) | 0.3530% | 5,123 |
| Pretax return on assets | 0.3530% | 5,257 |
| Return on Equity (ROE) | 4.2703% | 4,777 |
| Retained earnings to average equity (ytd only) | -2.8878% | 5,481 |
| Net charge-offs to loans | 0.4168% | 503 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.6626% | 3,556 |
| Efficiency ratio | 90.0524% | 404 |
| Assets per employee ($millions) | 3.7585% | 4,357 |
| Cash dividends to net income (ytd only)* | 167.6253% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 1,299 |
| Loan loss allowance to noncurrent loans | 805.8824% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 4,753 |
| Noncurrent loans to loans | 0.1950% | 4,302 |
| Net loans and leases to total assets | 48.9291% | 4,772 |
| Net loans and leases to deposits | 55.2869% | 4,906 |
| Net loans and leases to core deposits | 56.4989% | 4,971 |
| Total domestic deposits to total assets | 88.5004% | 1,121 |
| Equity capital to assets | 8.5007% | 5,287 |
| Core capital (leverage) ratio | 9.0448% | 4,693 |
| Tier 1 risk-based capital ratio | 16.8016% | 2,218 |
| Total risk-based capital ratio | 18.0540% | 2,177 |
| Memoranda: | ||
| Average total assets | $52,504,000 | 5,167 |
| Average earning assets | $48,959,250 | 5,140 |
| Average equity | $4,340,000 | 5,427 |
| Average total loans | $25,591,500 | 5,193 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5731% | 4,584 |
| Cost of funding earning assets | 0.4691% | 2,415 |
| Net interest margin | 3.1040% | 4,671 |
| Noninterest income to average assets | 0.3316% | 4,169 |
| Noninterest expense to average assets | 2.9467% | 2,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2859% | 5,252 |
| Return on assets (ROA) | 0.3088% | 5,220 |
| Pretax return on assets | 0.3088% | 5,326 |
| Return on Equity (ROE) | 3.7712% | 4,886 |
| Retained earnings to average equity (ytd only) | -7.0769% | 5,590 |
| Net charge-offs to loans | 0.6298% | 316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.9375% | 3,336 |
| Efficiency ratio | 91.1557% | 391 |
| Assets per employee ($millions) | 3.9511% | 4,038 |
| Cash dividends to net income (ytd only)* | 287.6543% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 1,498 |
| Loan loss allowance to noncurrent loans | 304.4444% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 3,108 |
| Noncurrent loans to loans | 0.5013% | 3,252 |
| Net loans and leases to total assets | 51.6295% | 4,602 |
| Net loans and leases to deposits | 61.1784% | 4,552 |
| Net loans and leases to core deposits | 62.6187% | 4,688 |
| Total domestic deposits to total assets | 84.3918% | 3,053 |
| Equity capital to assets | 8.6364% | 5,198 |
| Core capital (leverage) ratio | 8.6917% | 5,051 |
| Tier 1 risk-based capital ratio | 15.9987% | 2,510 |
| Total risk-based capital ratio | 17.2502% | 2,447 |
| Memoranda: | ||
| Average total assets | $52,465,670 | 5,201 |
| Average earning assets | $49,033,000 | 5,175 |
| Average equity | $4,295,670 | 5,473 |
| Average total loans | $25,403,000 | 5,236 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4251% | 4,884 |
| Cost of funding earning assets | 0.4755% | 2,301 |
| Net interest margin | 2.9497% | 4,995 |
| Noninterest income to average assets | 0.2565% | 4,699 |
| Noninterest expense to average assets | 2.8293% | 2,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1886% | 5,411 |
| Return on assets (ROA) | 0.1886% | 5,422 |
| Pretax return on assets | 0.1886% | 5,444 |
| Return on Equity (ROE) | 2.3666% | 5,264 |
| Retained earnings to average equity (ytd only) | -1.4200% | 5,117 |
| Net charge-offs to loans | 1.3150% | 130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 0.3086% | 2,826 |
| Efficiency ratio | 93.7500% | 393 |
| Assets per employee ($millions) | 4.5242% | 3,128 |
| Cash dividends to net income (ytd only)* | 160.0000% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 1,247 |
| Loan loss allowance to noncurrent loans | 301.4706% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 3,336 |
| Noncurrent loans to loans | 0.5474% | 3,174 |
| Net loans and leases to total assets | 45.0101% | 4,984 |
| Net loans and leases to deposits | 51.7975% | 5,043 |
| Net loans and leases to core deposits | 56.6264% | 4,943 |
| Total domestic deposits to total assets | 86.8963% | 2,270 |
| Equity capital to assets | 7.8265% | 5,590 |
| Core capital (leverage) ratio | 8.8349% | 4,922 |
| Tier 1 risk-based capital ratio | 16.8864% | 2,220 |
| Total risk-based capital ratio | 18.1363% | 2,182 |
| Memoranda: | ||
| Average total assets | $53,016,500 | 5,246 |
| Average earning assets | $49,633,000 | 5,217 |
| Average equity | $4,225,500 | 5,543 |
| Average total loans | $24,639,500 | 5,313 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5406% | 4,662 |
| Cost of funding earning assets | 0.4847% | 2,210 |
| Net interest margin | 3.0559% | 4,833 |
| Noninterest income to average assets | 0.3349% | 4,341 |
| Noninterest expense to average assets | 3.0557% | 2,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1359% | 5,515 |
| Return on assets (ROA) | 0.2502% | 5,391 |
| Pretax return on assets | 0.2502% | 5,430 |
| Return on Equity (ROE) | 2.7210% | 5,235 |
| Retained earnings to average equity (ytd only) | 2.7210% | 3,968 |
| Net charge-offs to loans | 0.0484% | 3,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.2727% | 3,203 |
| Efficiency ratio | 95.7407% | 320 |
| Assets per employee ($millions) | 3.6959% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0096% | 646 |
| Loan loss allowance to noncurrent loans | 245.5000% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 3,281 |
| Noncurrent loans to loans | 0.8186% | 2,475 |
| Net loans and leases to total assets | 46.2710% | 5,001 |
| Net loans and leases to deposits | 52.0331% | 5,122 |
| Net loans and leases to core deposits | 57.0061% | 5,013 |
| Total domestic deposits to total assets | 88.9260% | 1,152 |
| Equity capital to assets | 8.1209% | 5,507 |
| Core capital (leverage) ratio | 9.1420% | 4,562 |
| Tier 1 risk-based capital ratio | 17.4761% | 2,012 |
| Total risk-based capital ratio | 18.7321% | 1,969 |
| Memoranda: | ||
| Average total assets | $50,757,600 | 5,330 |
| Average earning assets | $47,449,400 | 5,299 |
| Average equity | $4,667,400 | 5,531 |
| Average total loans | $22,710,400 | 5,426 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 4,502 |
| Cost of funding earning assets | 0.4878% | 2,194 |
| Net interest margin | 3.1279% | 4,704 |
| Noninterest income to average assets | 0.3273% | 4,438 |
| Noninterest expense to average assets | 3.0963% | 2,034 |
| Loan and lease loss provision to assets | 0.0871% | 2,485 |
| Net operating income to assets | 0.0554% | 5,678 |
| Return on assets (ROA) | 0.1557% | 5,602 |
| Pretax return on assets | 0.1557% | 5,618 |
| Return on Equity (ROE) | 1.6443% | 5,536 |
| Retained earnings to average equity (ytd only) | 1.6443% | 4,850 |
| Net charge-offs to loans | 0.0419% | 2,805 |
| Credit loss provision to net charge-offs | 471.4286% | 744 |
| Earnings coverage of net charge-offs (x) | 7.7170% | 2,848 |
| Efficiency ratio | 95.5990% | 330 |
| Assets per employee ($millions) | 3.8682% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3548% | 403 |
| Loan loss allowance to noncurrent loans | 364.1379% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 3,826 |
| Noncurrent loans to loans | 0.6467% | 3,083 |
| Net loans and leases to total assets | 43.5381% | 5,222 |
| Net loans and leases to deposits | 50.3692% | 5,282 |
| Net loans and leases to core deposits | 55.4826% | 5,174 |
| Total domestic deposits to total assets | 86.4378% | 2,150 |
| Equity capital to assets | 9.7819% | 4,380 |
| Core capital (leverage) ratio | 9.1659% | 4,640 |
| Tier 1 risk-based capital ratio | 18.6918% | 1,740 |
| Total risk-based capital ratio | 19.9500% | 1,706 |
| Memoranda: | ||
| Average total assets | $50,511,250 | 5,389 |
| Average earning assets | $47,016,500 | 5,360 |
| Average equity | $4,783,750 | 5,560 |
| Average total loans | $22,279,750 | 5,491 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5377% | 4,778 |
| Cost of funding earning assets | 0.4818% | 2,255 |
| Net interest margin | 3.0559% | 4,960 |
| Noninterest income to average assets | 0.3598% | 4,192 |
| Noninterest expense to average assets | 3.1234% | 1,999 |
| Loan and lease loss provision to assets | 0.1305% | 1,751 |
| Net operating income to assets | -0.0356% | 5,785 |
| Return on assets (ROA) | 0.1147% | 5,700 |
| Pretax return on assets | 0.1147% | 5,711 |
| Return on Equity (ROE) | 1.2240% | 5,652 |
| Retained earnings to average equity (ytd only) | 1.2240% | 4,890 |
| Net charge-offs to loans | 0.0630% | 2,295 |
| Credit loss provision to net charge-offs | 471.4286% | 688 |
| Earnings coverage of net charge-offs (x) | 3.4286% | 3,111 |
| Efficiency ratio | 97.0516% | 312 |
| Assets per employee ($millions) | 3.5756% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3505% | 431 |
| Loan loss allowance to noncurrent loans | 364.1379% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5094% | 3,515 |
| Noncurrent loans to loans | 0.6455% | 3,140 |
| Net loans and leases to total assets | 43.8183% | 5,244 |
| Net loans and leases to deposits | 50.6594% | 5,307 |
| Net loans and leases to core deposits | 55.8114% | 5,185 |
| Total domestic deposits to total assets | 86.4959% | 2,172 |
| Equity capital to assets | 9.8204% | 4,422 |
| Core capital (leverage) ratio | 9.0169% | 4,811 |
| Tier 1 risk-based capital ratio | 18.3950% | 1,825 |
| Total risk-based capital ratio | 19.6533% | 1,787 |
| Memoranda: | ||
| Average total assets | $50,586,000 | 5,447 |
| Average earning assets | $47,319,000 | 5,410 |
| Average equity | $4,738,670 | 5,630 |
| Average total loans | $22,232,330 | 5,556 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5021% | 4,885 |
| Cost of funding earning assets | 0.4955% | 2,146 |
| Net interest margin | 3.0066% | 5,108 |
| Noninterest income to average assets | 0.2989% | 4,591 |
| Noninterest expense to average assets | 3.4219% | 1,337 |
| Loan and lease loss provision to assets | 0.2596% | 663 |
| Net operating income to assets | -0.5664% | 5,978 |
| Return on assets (ROA) | -0.2675% | 5,910 |
| Pretax return on assets | -0.2675% | 5,906 |
| Return on Equity (ROE) | -2.9247% | 5,936 |
| Retained earnings to average equity (ytd only) | -2.9247% | 5,465 |
| Net charge-offs to loans | 0.1085% | 1,477 |
| Credit loss provision to net charge-offs | 550.0000% | 565 |
| Earnings coverage of net charge-offs (x) | -6.5000% | 3,049 |
| Efficiency ratio | 109.8485% | 158 |
| Assets per employee ($millions) | 3.8811% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4080% | 436 |
| Loan loss allowance to noncurrent loans | 127.7778% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 2,135 |
| Noncurrent loans to loans | 1.8846% | 1,174 |
| Net loans and leases to total assets | 42.4922% | 5,325 |
| Net loans and leases to deposits | 48.8060% | 5,393 |
| Net loans and leases to core deposits | 54.0474% | 5,253 |
| Total domestic deposits to total assets | 87.0635% | 2,183 |
| Equity capital to assets | 9.3590% | 4,828 |
| Core capital (leverage) ratio | 8.9729% | 4,891 |
| Tier 1 risk-based capital ratio | 18.2190% | 1,926 |
| Total risk-based capital ratio | 19.4785% | 1,888 |
| Memoranda: | ||
| Average total assets | $50,849,500 | 5,490 |
| Average earning assets | $47,628,500 | 5,456 |
| Average equity | $4,650,000 | 5,692 |
| Average total loans | $22,117,000 | 5,611 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 4,404 |
| Cost of funding earning assets | 0.4716% | 2,424 |
| Net interest margin | 3.2161% | 4,571 |
| Noninterest income to average assets | 0.2413% | 5,153 |
| Noninterest expense to average assets | 3.1624% | 2,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0441% | 5,819 |
| Return on assets (ROA) | 0.1475% | 5,733 |
| Pretax return on assets | 0.1475% | 5,756 |
| Return on Equity (ROE) | 1.6639% | 5,652 |
| Retained earnings to average equity (ytd only) | 1.6639% | 4,776 |
| Net charge-offs to loans | 0.8589% | 253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.1036% | 4,260 |
| Efficiency ratio | 98.6260% | 318 |
| Assets per employee ($millions) | 3.6604% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2546% | 545 |
| Loan loss allowance to noncurrent loans | 71.7143% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.4714% | 1,388 |
| Noncurrent loans to loans | 3.1438% | 495 |
| Net loans and leases to total assets | 42.4705% | 5,378 |
| Net loans and leases to deposits | 48.2283% | 5,476 |
| Net loans and leases to core deposits | 53.8047% | 5,327 |
| Total domestic deposits to total assets | 88.0613% | 1,598 |
| Equity capital to assets | 8.9336% | 5,187 |
| Core capital (leverage) ratio | 8.6361% | 5,296 |
| Tier 1 risk-based capital ratio | 17.4968% | 2,124 |
| Total risk-based capital ratio | 18.7540% | 2,072 |
| Memoranda: | ||
| Average total assets | $52,206,800 | 5,498 |
| Average earning assets | $48,133,400 | 5,477 |
| Average equity | $4,627,800 | 5,737 |
| Average total loans | $25,847,800 | 5,524 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 4,160 |
| Cost of funding earning assets | 0.4607% | 2,576 |
| Net interest margin | 3.3190% | 4,266 |
| Noninterest income to average assets | 0.2008% | 5,436 |
| Noninterest expense to average assets | 3.2158% | 1,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0254% | 5,914 |
| Return on assets (ROA) | 0.1627% | 5,804 |
| Pretax return on assets | 0.1627% | 5,833 |
| Return on Equity (ROE) | 1.8389% | 5,701 |
| Retained earnings to average equity (ytd only) | 1.8389% | 4,959 |
| Net charge-offs to loans | 1.1068% | 162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.0450% | 3,988 |
| Efficiency ratio | 99.2157% | 318 |
| Assets per employee ($millions) | 3.9327% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1537% | 712 |
| Loan loss allowance to noncurrent loans | 90.1257% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.1951% | 1,979 |
| Noncurrent loans to loans | 2.3896% | 866 |
| Net loans and leases to total assets | 44.6103% | 5,317 |
| Net loans and leases to deposits | 50.4959% | 5,452 |
| Net loans and leases to core deposits | 56.3971% | 5,283 |
| Total domestic deposits to total assets | 88.3443% | 1,385 |
| Equity capital to assets | 8.9780% | 5,323 |
| Core capital (leverage) ratio | 8.5563% | 5,509 |
| Tier 1 risk-based capital ratio | 17.0921% | 2,344 |
| Total risk-based capital ratio | 18.3470% | 2,290 |
| Memoranda: | ||
| Average total assets | $52,447,250 | 5,570 |
| Average earning assets | $48,046,000 | 5,549 |
| Average equity | $4,640,250 | 5,810 |
| Average total loans | $26,743,250 | 5,553 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7959% | 4,082 |
| Cost of funding earning assets | 0.4580% | 2,629 |
| Net interest margin | 3.3379% | 4,147 |
| Noninterest income to average assets | 0.1172% | 5,959 |
| Noninterest expense to average assets | 3.3354% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1588% | 6,079 |
| Return on assets (ROA) | -0.1588% | 6,107 |
| Pretax return on assets | -0.1588% | 6,086 |
| Return on Equity (ROE) | -1.8037% | 6,120 |
| Retained earnings to average equity (ytd only) | -1.8037% | 5,807 |
| Net charge-offs to loans | 0.3084% | 859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.9767% | 3,768 |
| Efficiency ratio | 105.0000% | 234 |
| Assets per employee ($millions) | 3.9855% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6788% | 383 |
| Loan loss allowance to noncurrent loans | 79.0023% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.6637% | 1,435 |
| Noncurrent loans to loans | 3.3908% | 534 |
| Net loans and leases to total assets | 47.7524% | 5,129 |
| Net loans and leases to deposits | 53.8726% | 5,262 |
| Net loans and leases to core deposits | 60.0451% | 5,071 |
| Total domestic deposits to total assets | 88.6395% | 1,337 |
| Equity capital to assets | 8.7607% | 5,472 |
| Core capital (leverage) ratio | 8.1555% | 5,826 |
| Tier 1 risk-based capital ratio | 15.8090% | 2,949 |
| Total risk-based capital ratio | 17.0753% | 2,905 |
| Memoranda: | ||
| Average total assets | $52,888,000 | 5,617 |
| Average earning assets | $48,473,330 | 5,596 |
| Average equity | $4,657,000 | 5,866 |
| Average total loans | $27,888,000 | 5,559 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 3,733 |
| Cost of funding earning assets | 0.4667% | 2,593 |
| Net interest margin | 3.4061% | 3,820 |
| Noninterest income to average assets | 0.2546% | 5,139 |
| Noninterest expense to average assets | 3.0696% | 2,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2995% | 5,419 |
| Return on assets (ROA) | 0.2995% | 5,520 |
| Pretax return on assets | 0.2995% | 5,653 |
| Return on Equity (ROE) | 3.3927% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.3927% | 3,943 |
| Net charge-offs to loans | 0.6868% | 350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.8000% | 3,007 |
| Efficiency ratio | 91.1111% | 773 |
| Assets per employee ($millions) | 3.8527% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4417% | 576 |
| Loan loss allowance to noncurrent loans | 74.6401% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.0635% | 1,136 |
| Noncurrent loans to loans | 3.2713% | 622 |
| Net loans and leases to total assets | 49.9277% | 4,859 |
| Net loans and leases to deposits | 56.2989% | 5,029 |
| Net loans and leases to core deposits | 62.6600% | 4,802 |
| Total domestic deposits to total assets | 88.6833% | 1,458 |
| Equity capital to assets | 8.8787% | 5,414 |
| Core capital (leverage) ratio | 8.1429% | 5,854 |
| Tier 1 risk-based capital ratio | 14.6203% | 3,646 |
| Total risk-based capital ratio | 15.8794% | 3,565 |
| Memoranda: | ||
| Average total assets | $53,426,500 | 5,656 |
| Average earning assets | $48,854,000 | 5,639 |
| Average equity | $4,716,000 | 5,903 |
| Average total loans | $29,121,000 | 5,557 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 3,059 |
| Cost of funding earning assets | 0.5039% | 2,635 |
| Net interest margin | 3.6618% | 3,166 |
| Noninterest income to average assets | 0.2873% | 5,069 |
| Noninterest expense to average assets | 3.2235% | 2,148 |
| Loan and lease loss provision to assets | 1.9792% | 30 |
| Net operating income to assets | -1.5985% | 6,435 |
| Return on assets (ROA) | -1.5985% | 6,437 |
| Pretax return on assets | -1.5985% | 6,425 |
| Return on Equity (ROE) | -17.6969% | 6,425 |
| Retained earnings to average equity (ytd only) | -20.4675% | 6,428 |
| Net charge-offs to loans | 2.5719% | 56 |
| Credit loss provision to net charge-offs | 131.1916% | 1,820 |
| Earnings coverage of net charge-offs (x) | 0.2523% | 4,676 |
| Efficiency ratio | 89.4377% | 884 |
| Assets per employee ($millions) | 3.7796% | 4,384 |
| Cash dividends to net income (ytd only)* | -15.6560% | 6,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3631% | 658 |
| Loan loss allowance to noncurrent loans | 66.3611% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 2.4020% | 972 |
| Noncurrent loans to loans | 3.5609% | 568 |
| Net loans and leases to total assets | 56.5322% | 4,259 |
| Net loans and leases to deposits | 63.6400% | 4,562 |
| Net loans and leases to core deposits | 71.8051% | 4,145 |
| Total domestic deposits to total assets | 88.8311% | 1,337 |
| Equity capital to assets | 8.7744% | 5,509 |
| Core capital (leverage) ratio | 7.8745% | 6,064 |
| Tier 1 risk-based capital ratio | 13.7513% | 4,268 |
| Total risk-based capital ratio | 15.0153% | 4,193 |
| Memoranda: | ||
| Average total assets | $56,740,400 | 5,630 |
| Average earning assets | $51,396,000 | 5,633 |
| Average equity | $5,125,200 | 5,824 |
| Average total loans | $33,282,200 | 5,435 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1838% | 3,050 |
| Cost of funding earning assets | 0.5063% | 2,694 |
| Net interest margin | 3.6775% | 3,118 |
| Noninterest income to average assets | 0.2935% | 5,098 |
| Noninterest expense to average assets | 3.2722% | 1,964 |
| Loan and lease loss provision to assets | 1.4628% | 60 |
| Net operating income to assets | -1.1185% | 6,474 |
| Return on assets (ROA) | -0.9867% | 6,457 |
| Pretax return on assets | -0.9867% | 6,444 |
| Return on Equity (ROE) | -10.8530% | 6,453 |
| Retained earnings to average equity (ytd only) | -14.4875% | 6,440 |
| Net charge-offs to loans | 2.3254% | 76 |
| Credit loss provision to net charge-offs | 106.9257% | 2,082 |
| Earnings coverage of net charge-offs (x) | 0.2517% | 4,416 |
| Efficiency ratio | 90.4792% | 813 |
| Assets per employee ($millions) | 3.7031% | 4,486 |
| Cash dividends to net income (ytd only)* | -33.4891% | 6,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 2,408 |
| Loan loss allowance to noncurrent loans | 80.8442% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.4330% | 2,156 |
| Noncurrent loans to loans | 1.9448% | 1,639 |
| Net loans and leases to total assets | 56.1283% | 4,312 |
| Net loans and leases to deposits | 63.0769% | 4,629 |
| Net loans and leases to core deposits | 71.0927% | 4,236 |
| Total domestic deposits to total assets | 88.9839% | 1,249 |
| Equity capital to assets | 8.7027% | 5,637 |
| Core capital (leverage) ratio | 7.7641% | 6,183 |
| Tier 1 risk-based capital ratio | 13.8274% | 4,341 |
| Total risk-based capital ratio | 15.0792% | 4,271 |
| Memoranda: | ||
| Average total assets | $57,696,750 | 5,672 |
| Average earning assets | $52,136,250 | 5,680 |
| Average equity | $5,245,750 | 5,862 |
| Average total loans | $33,943,250 | 5,457 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 2,827 |
| Cost of funding earning assets | 0.5095% | 2,733 |
| Net interest margin | 3.7248% | 2,858 |
| Noninterest income to average assets | 0.2568% | 5,359 |
| Noninterest expense to average assets | 3.0541% | 2,653 |
| Loan and lease loss provision to assets | 0.6403% | 217 |
| Net operating income to assets | -0.0582% | 6,231 |
| Return on assets (ROA) | 0.0308% | 6,183 |
| Pretax return on assets | 0.0308% | 6,172 |
| Return on Equity (ROE) | 0.3344% | 6,174 |
| Retained earnings to average equity (ytd only) | -3.9755% | 6,176 |
| Net charge-offs to loans | 0.1153% | 2,508 |
| Credit loss provision to net charge-offs | 935.0000% | 352 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,481 |
| Efficiency ratio | 83.9925% | 1,517 |
| Assets per employee ($millions) | 4.0924% | 3,662 |
| Cash dividends to net income (ytd only)* | 1,288.8889% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8759% | 1,634 |
| Loan loss allowance to noncurrent loans | 85.8322% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.3597% | 2,405 |
| Noncurrent loans to loans | 2.1855% | 1,502 |
| Net loans and leases to total assets | 56.9693% | 4,118 |
| Net loans and leases to deposits | 64.4194% | 4,454 |
| Net loans and leases to core deposits | 74.9071% | 3,742 |
| Total domestic deposits to total assets | 88.4351% | 1,664 |
| Equity capital to assets | 9.3989% | 4,843 |
| Core capital (leverage) ratio | 8.5543% | 5,585 |
| Tier 1 risk-based capital ratio | 14.8349% | 3,727 |
| Total risk-based capital ratio | 16.0927% | 3,663 |
| Memoranda: | ||
| Average total assets | $58,413,670 | 5,702 |
| Average earning assets | $52,996,000 | 5,707 |
| Average equity | $5,383,000 | 5,869 |
| Average total loans | $34,699,330 | 5,467 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2222% | 2,788 |
| Cost of funding earning assets | 0.5175% | 2,738 |
| Net interest margin | 3.7048% | 2,848 |
| Noninterest income to average assets | 0.2103% | 5,672 |
| Noninterest expense to average assets | 2.9844% | 2,919 |
| Loan and lease loss provision to assets | 0.0475% | 3,145 |
| Net operating income to assets | 0.5291% | 4,560 |
| Return on assets (ROA) | 0.7054% | 3,737 |
| Pretax return on assets | 0.7054% | 4,473 |
| Return on Equity (ROE) | 7.7295% | 3,073 |
| Retained earnings to average equity (ytd only) | 5.4255% | 2,837 |
| Net charge-offs to loans | -0.0226% | 5,409 |
| Credit loss provision to net charge-offs | -350.0000% | 5,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8095% | 1,694 |
| Assets per employee ($millions) | 4.2244% | 3,478 |
| Cash dividends to net income (ytd only)* | 29.8077% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 3,930 |
| Loan loss allowance to noncurrent loans | 109.3897% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 3,719 |
| Noncurrent loans to loans | 1.2197% | 3,007 |
| Net loans and leases to total assets | 58.2665% | 3,798 |
| Net loans and leases to deposits | 65.6243% | 4,135 |
| Net loans and leases to core deposits | 76.7808% | 3,331 |
| Total domestic deposits to total assets | 88.7880% | 1,782 |
| Equity capital to assets | 9.1695% | 4,911 |
| Core capital (leverage) ratio | 8.5840% | 5,541 |
| Tier 1 risk-based capital ratio | 14.5686% | 3,966 |
| Total risk-based capital ratio | 15.8199% | 3,918 |
| Memoranda: | ||
| Average total assets | $58,973,500 | 5,741 |
| Average earning assets | $53,336,500 | 5,753 |
| Average equity | $5,382,000 | 5,903 |
| Average total loans | $35,417,000 | 5,490 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 3,344 |
| Cost of funding earning assets | 0.5368% | 3,227 |
| Net interest margin | 3.6653% | 3,202 |
| Noninterest income to average assets | 0.3833% | 4,568 |
| Noninterest expense to average assets | 3.1523% | 2,580 |
| Loan and lease loss provision to assets | 0.1313% | 2,667 |
| Net operating income to assets | 0.5181% | 4,662 |
| Return on assets (ROA) | 0.5216% | 4,768 |
| Pretax return on assets | 0.5216% | 5,137 |
| Return on Equity (ROE) | 5.5343% | 4,369 |
| Retained earnings to average equity (ytd only) | 3.1757% | 3,975 |
| Net charge-offs to loans | 0.2661% | 2,367 |
| Credit loss provision to net charge-offs | 82.4176% | 2,978 |
| Earnings coverage of net charge-offs (x) | 4.0769% | 3,681 |
| Efficiency ratio | 82.9190% | 1,762 |
| Assets per employee ($millions) | 3.6753% | 4,539 |
| Cash dividends to net income (ytd only)* | 42.6174% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 4,278 |
| Loan loss allowance to noncurrent loans | 120.2632% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 4,044 |
| Noncurrent loans to loans | 1.0583% | 3,396 |
| Net loans and leases to total assets | 60.2857% | 3,663 |
| Net loans and leases to deposits | 70.5100% | 3,720 |
| Net loans and leases to core deposits | 82.5517% | 2,827 |
| Total domestic deposits to total assets | 85.4995% | 3,509 |
| Equity capital to assets | 9.0826% | 4,941 |
| Core capital (leverage) ratio | 9.0578% | 4,919 |
| Tier 1 risk-based capital ratio | 14.0604% | 4,259 |
| Total risk-based capital ratio | 15.3097% | 4,201 |
| Memoranda: | ||
| Average total assets | $57,132,800 | 5,834 |
| Average earning assets | $53,283,200 | 5,794 |
| Average equity | $5,384,600 | 5,965 |
| Average total loans | $34,201,200 | 5,576 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1707% | 3,487 |
| Cost of funding earning assets | 0.5523% | 3,239 |
| Net interest margin | 3.6184% | 3,368 |
| Noninterest income to average assets | 0.3291% | 5,053 |
| Noninterest expense to average assets | 3.0632% | 2,779 |
| Loan and lease loss provision to assets | 0.1763% | 2,064 |
| Net operating income to assets | 0.4937% | 4,824 |
| Return on assets (ROA) | 0.4984% | 4,964 |
| Pretax return on assets | 0.4984% | 5,360 |
| Return on Equity (ROE) | 5.2388% | 4,601 |
| Retained earnings to average equity (ytd only) | 2.1499% | 5,025 |
| Net charge-offs to loans | 0.6040% | 1,036 |
| Credit loss provision to net charge-offs | 49.0196% | 3,531 |
| Earnings coverage of net charge-offs (x) | 1.8628% | 4,208 |
| Efficiency ratio | 82.0529% | 1,816 |
| Assets per employee ($millions) | 3.2962% | 5,291 |
| Cash dividends to net income (ytd only)* | 58.9613% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 5,216 |
| Loan loss allowance to noncurrent loans | 93.3806% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 4,218 |
| Noncurrent loans to loans | 1.2078% | 3,402 |
| Net loans and leases to total assets | 61.7953% | 3,399 |
| Net loans and leases to deposits | 71.3297% | 3,595 |
| Net loans and leases to core deposits | 80.5654% | 3,064 |
| Total domestic deposits to total assets | 86.6334% | 2,894 |
| Equity capital to assets | 9.3227% | 4,774 |
| Core capital (leverage) ratio | 8.8627% | 5,302 |
| Tier 1 risk-based capital ratio | 14.3518% | 4,184 |
| Total risk-based capital ratio | 15.4723% | 4,217 |
| Memoranda: | ||
| Average total assets | $56,714,750 | 5,910 |
| Average earning assets | $53,355,250 | 5,845 |
| Average equity | $5,395,500 | 6,035 |
| Average total loans | $33,774,500 | 5,642 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 3,534 |
| Cost of funding earning assets | 0.5498% | 3,417 |
| Net interest margin | 3.6017% | 3,350 |
| Noninterest income to average assets | 0.3864% | 4,621 |
| Noninterest expense to average assets | 3.0698% | 2,763 |
| Loan and lease loss provision to assets | 0.2634% | 1,405 |
| Net operating income to assets | 0.4355% | 5,082 |
| Return on assets (ROA) | 0.4355% | 5,242 |
| Pretax return on assets | 0.4355% | 5,562 |
| Return on Equity (ROE) | 4.5482% | 4,973 |
| Retained earnings to average equity (ytd only) | 0.7703% | 5,593 |
| Net charge-offs to loans | 0.9593% | 641 |
| Credit loss provision to net charge-offs | 46.8750% | 3,275 |
| Earnings coverage of net charge-offs (x) | 1.2438% | 4,131 |
| Efficiency ratio | 81.4539% | 1,968 |
| Assets per employee ($millions) | 4.0181% | 3,757 |
| Cash dividends to net income (ytd only)* | 83.0645% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 5,252 |
| Loan loss allowance to noncurrent loans | 251.9481% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 5,669 |
| Noncurrent loans to loans | 0.4556% | 5,124 |
| Net loans and leases to total assets | 59.3949% | 3,761 |
| Net loans and leases to deposits | 67.1638% | 4,120 |
| Net loans and leases to core deposits | 75.6116% | 3,591 |
| Total domestic deposits to total assets | 88.4328% | 1,963 |
| Equity capital to assets | 9.3576% | 4,775 |
| Core capital (leverage) ratio | 8.7165% | 5,395 |
| Tier 1 risk-based capital ratio | 14.5649% | 4,056 |
| Total risk-based capital ratio | 15.6967% | 4,097 |
| Memoranda: | ||
| Average total assets | $56,941,330 | 5,947 |
| Average earning assets | $53,474,330 | 5,879 |
| Average equity | $5,452,670 | 6,059 |
| Average total loans | $33,358,670 | 5,694 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1133% | 3,668 |
| Cost of funding earning assets | 0.5569% | 3,506 |
| Net interest margin | 3.5565% | 3,448 |
| Noninterest income to average assets | 0.3491% | 4,888 |
| Noninterest expense to average assets | 2.8978% | 3,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7960% | 3,187 |
| Return on assets (ROA) | 0.7960% | 3,320 |
| Pretax return on assets | 0.7960% | 4,185 |
| Return on Equity (ROE) | 8.2207% | 2,869 |
| Retained earnings to average equity (ytd only) | 5.0478% | 3,202 |
| Net charge-offs to loans | -0.2414% | 6,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4499% | 2,546 |
| Assets per employee ($millions) | 4.3425% | 3,257 |
| Cash dividends to net income (ytd only)* | 38.5965% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 3,793 |
| Loan loss allowance to noncurrent loans | 151.2270% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 4,948 |
| Noncurrent loans to loans | 0.9972% | 4,135 |
| Net loans and leases to total assets | 57.0333% | 3,919 |
| Net loans and leases to deposits | 64.7671% | 4,216 |
| Net loans and leases to core deposits | 72.9016% | 3,708 |
| Total domestic deposits to total assets | 88.0591% | 2,276 |
| Equity capital to assets | 9.8631% | 4,327 |
| Core capital (leverage) ratio | 8.4778% | 5,626 |
| Tier 1 risk-based capital ratio | 15.0465% | 3,805 |
| Total risk-based capital ratio | 16.2984% | 3,759 |
| Memoranda: | ||
| Average total assets | $57,285,000 | 5,982 |
| Average earning assets | $53,873,500 | 5,905 |
| Average equity | $5,547,000 | 6,087 |
| Average total loans | $33,138,000 | 5,741 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 4,237 |
| Cost of funding earning assets | 0.6659% | 3,778 |
| Net interest margin | 3.6218% | 3,993 |
| Noninterest income to average assets | 0.3670% | 4,853 |
| Noninterest expense to average assets | 2.9249% | 3,553 |
| Loan and lease loss provision to assets | 0.0664% | 4,920 |
| Net operating income to assets | 0.7358% | 3,577 |
| Return on assets (ROA) | 0.7912% | 3,575 |
| Pretax return on assets | 0.7912% | 4,329 |
| Return on Equity (ROE) | 7.9070% | 3,126 |
| Retained earnings to average equity (ytd only) | 4.3866% | 3,141 |
| Net charge-offs to loans | 0.1509% | 4,181 |
| Credit loss provision to net charge-offs | 85.7143% | 3,639 |
| Earnings coverage of net charge-offs (x) | 10.3571% | 2,148 |
| Efficiency ratio | 78.4760% | 2,363 |
| Assets per employee ($millions) | 4.4705% | 3,016 |
| Cash dividends to net income (ytd only)* | 44.5221% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 4,134 |
| Loan loss allowance to noncurrent loans | 273.4104% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 5,787 |
| Noncurrent loans to loans | 0.5151% | 5,244 |
| Net loans and leases to total assets | 56.9764% | 4,121 |
| Net loans and leases to deposits | 70.5042% | 3,636 |
| Net loans and leases to core deposits | 79.3563% | 3,098 |
| Total domestic deposits to total assets | 80.8128% | 5,453 |
| Equity capital to assets | 9.5084% | 4,861 |
| Core capital (leverage) ratio | 8.7631% | 5,243 |
| Tier 1 risk-based capital ratio | 14.3988% | 4,096 |
| Total risk-based capital ratio | 15.6492% | 4,052 |
| Memoranda: | ||
| Average total assets | $54,224,800 | 6,076 |
| Average earning assets | $50,306,000 | 6,037 |
| Average equity | $5,425,600 | 6,171 |
| Average total loans | $27,824,400 | 6,044 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3923% | 4,086 |
| Cost of funding earning assets | 0.6958% | 3,806 |
| Net interest margin | 3.6965% | 3,810 |
| Noninterest income to average assets | 0.3630% | 4,917 |
| Noninterest expense to average assets | 2.9019% | 3,589 |
| Loan and lease loss provision to assets | 0.0501% | 5,137 |
| Net operating income to assets | 0.8162% | 3,368 |
| Return on assets (ROA) | 0.8913% | 3,261 |
| Pretax return on assets | 0.8913% | 4,146 |
| Return on Equity (ROE) | 8.7890% | 2,905 |
| Retained earnings to average equity (ytd only) | 5.6537% | 2,922 |
| Net charge-offs to loans | 0.2122% | 3,458 |
| Credit loss provision to net charge-offs | 47.6190% | 4,454 |
| Earnings coverage of net charge-offs (x) | 8.2379% | 2,479 |
| Efficiency ratio | 77.0100% | 2,523 |
| Assets per employee ($millions) | 4.2398% | 3,391 |
| Cash dividends to net income (ytd only)* | 35.6747% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 3,336 |
| Loan loss allowance to noncurrent loans | 264.1618% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 5,910 |
| Noncurrent loans to loans | 0.6241% | 5,191 |
| Net loans and leases to total assets | 49.4639% | 5,376 |
| Net loans and leases to deposits | 56.4498% | 5,592 |
| Net loans and leases to core deposits | 64.7931% | 5,074 |
| Total domestic deposits to total assets | 87.6245% | 2,273 |
| Equity capital to assets | 10.1584% | 4,263 |
| Core capital (leverage) ratio | 8.6831% | 5,497 |
| Tier 1 risk-based capital ratio | 17.0424% | 2,717 |
| Total risk-based capital ratio | 18.2951% | 2,667 |
| Memoranda: | ||
| Average total assets | $53,251,750 | 6,181 |
| Average earning assets | $49,054,500 | 6,160 |
| Average equity | $5,400,500 | 6,244 |
| Average total loans | $26,384,000 | 6,195 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 4,144 |
| Cost of funding earning assets | 0.7109% | 3,932 |
| Net interest margin | 3.6991% | 3,824 |
| Noninterest income to average assets | 0.3534% | 5,007 |
| Noninterest expense to average assets | 3.0743% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6802% | 3,982 |
| Return on assets (ROA) | 0.6802% | 4,242 |
| Pretax return on assets | 0.6802% | 4,889 |
| Return on Equity (ROE) | 6.7112% | 3,935 |
| Retained earnings to average equity (ytd only) | 3.6368% | 4,177 |
| Net charge-offs to loans | 0.0540% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 25.5714% | 1,193 |
| Efficiency ratio | 81.8826% | 1,892 |
| Assets per employee ($millions) | 4.5191% | 2,871 |
| Cash dividends to net income (ytd only)* | 45.8101% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 2,828 |
| Loan loss allowance to noncurrent loans | 124.8677% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.7376% | 4,951 |
| Noncurrent loans to loans | 1.4480% | 3,741 |
| Net loans and leases to total assets | 47.2681% | 5,684 |
| Net loans and leases to deposits | 53.8034% | 5,890 |
| Net loans and leases to core deposits | 60.8513% | 5,504 |
| Total domestic deposits to total assets | 87.8534% | 2,250 |
| Equity capital to assets | 9.9688% | 4,380 |
| Core capital (leverage) ratio | 8.6244% | 5,483 |
| Tier 1 risk-based capital ratio | 17.2931% | 2,548 |
| Total risk-based capital ratio | 18.5483% | 2,513 |
| Memoranda: | ||
| Average total assets | $52,630,000 | 6,245 |
| Average earning assets | $48,390,000 | 6,222 |
| Average equity | $5,334,330 | 6,292 |
| Average total loans | $25,938,670 | 6,267 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 4,258 |
| Cost of funding earning assets | 0.7558% | 3,821 |
| Net interest margin | 3.6614% | 4,001 |
| Noninterest income to average assets | 0.2855% | 5,588 |
| Noninterest expense to average assets | 3.0870% | 2,962 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5634% | 4,528 |
| Return on assets (ROA) | 0.5634% | 4,748 |
| Pretax return on assets | 0.5634% | 5,228 |
| Return on Equity (ROE) | 5.5110% | 4,542 |
| Retained earnings to average equity (ytd only) | 5.1335% | 3,479 |
| Net charge-offs to loans | 0.0464% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 24.3333% | 1,059 |
| Efficiency ratio | 84.5666% | 1,632 |
| Assets per employee ($millions) | 4.4964% | 3,004 |
| Cash dividends to net income (ytd only)* | 6.8493% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8606% | 2,807 |
| Loan loss allowance to noncurrent loans | 88.1481% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 1.0008% | 4,493 |
| Noncurrent loans to loans | 2.1108% | 3,016 |
| Net loans and leases to total assets | 46.5315% | 5,727 |
| Net loans and leases to deposits | 52.8602% | 5,908 |
| Net loans and leases to core deposits | 59.7928% | 5,548 |
| Total domestic deposits to total assets | 88.0275% | 2,300 |
| Equity capital to assets | 9.8597% | 4,301 |
| Core capital (leverage) ratio | 8.8373% | 5,090 |
| Tier 1 risk-based capital ratio | 17.3734% | 2,527 |
| Total risk-based capital ratio | 18.6312% | 2,489 |
| Memoranda: | ||
| Average total assets | $51,830,500 | 6,309 |
| Average earning assets | $47,631,500 | 6,285 |
| Average equity | $5,298,500 | 6,335 |
| Average total loans | $25,855,500 | 6,317 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 3,578 |
| Cost of funding earning assets | 0.9759% | 3,537 |
| Net interest margin | 3.8762% | 3,440 |
| Noninterest income to average assets | 0.3400% | 5,096 |
| Noninterest expense to average assets | 3.2092% | 2,834 |
| Loan and lease loss provision to assets | 0.1263% | 5,032 |
| Net operating income to assets | 0.5536% | 4,215 |
| Return on assets (ROA) | 0.5983% | 4,193 |
| Pretax return on assets | 0.5983% | 4,700 |
| Return on Equity (ROE) | 6.0130% | 3,869 |
| Retained earnings to average equity (ytd only) | 3.1237% | 4,005 |
| Net charge-offs to loans | 0.6948% | 2,415 |
| Credit loss provision to net charge-offs | 36.3128% | 5,693 |
| Earnings coverage of net charge-offs (x) | 1.9553% | 4,314 |
| Efficiency ratio | 82.5175% | 1,952 |
| Assets per employee ($millions) | 4.5185% | 2,877 |
| Cash dividends to net income (ytd only)* | 48.0519% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8333% | 2,767 |
| Loan loss allowance to noncurrent loans | 241.9192% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 5,974 |
| Noncurrent loans to loans | 0.7578% | 5,179 |
| Net loans and leases to total assets | 51.6035% | 5,372 |
| Net loans and leases to deposits | 58.8496% | 5,613 |
| Net loans and leases to core deposits | 66.0002% | 5,252 |
| Total domestic deposits to total assets | 87.6871% | 2,345 |
| Equity capital to assets | 10.6169% | 3,400 |
| Core capital (leverage) ratio | 8.8860% | 4,965 |
| Tier 1 risk-based capital ratio | 17.2931% | 2,470 |
| Total risk-based capital ratio | 18.5485% | 2,444 |
| Memoranda: | ||
| Average total assets | $51,477,400 | 6,319 |
| Average earning assets | $47,133,800 | 6,287 |
| Average equity | $5,122,200 | 6,402 |
| Average total loans | $25,763,200 | 6,372 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7777% | 4,111 |
| Cost of funding earning assets | 1.0320% | 3,449 |
| Net interest margin | 3.7457% | 4,131 |
| Noninterest income to average assets | 0.4622% | 4,203 |
| Noninterest expense to average assets | 3.2151% | 2,785 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6677% | 3,783 |
| Return on assets (ROA) | 0.6728% | 3,927 |
| Pretax return on assets | 0.6728% | 4,570 |
| Return on Equity (ROE) | 6.8716% | 3,580 |
| Retained earnings to average equity (ytd only) | 3.9866% | 3,880 |
| Net charge-offs to loans | 0.9037% | 1,769 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.4943% | 4,517 |
| Efficiency ratio | 82.8042% | 1,869 |
| Assets per employee ($millions) | 4.3838% | 3,101 |
| Cash dividends to net income (ytd only)* | 41.9844% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5895% | 3,719 |
| Loan loss allowance to noncurrent loans | 120.7493% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.6596% | 5,489 |
| Noncurrent loans to loans | 1.3164% | 4,338 |
| Net loans and leases to total assets | 49.3128% | 5,795 |
| Net loans and leases to deposits | 56.0717% | 6,030 |
| Net loans and leases to core deposits | 62.5521% | 5,767 |
| Total domestic deposits to total assets | 87.9460% | 2,062 |
| Equity capital to assets | 10.2728% | 3,996 |
| Core capital (leverage) ratio | 8.7090% | 5,399 |
| Tier 1 risk-based capital ratio | 14.3607% | 4,085 |
| Total risk-based capital ratio | 15.6121% | 4,043 |
| Memoranda: | ||
| Average total assets | $51,920,750 | 6,362 |
| Average earning assets | $47,413,250 | 6,324 |
| Average equity | $5,083,500 | 6,471 |
| Average total loans | $25,672,000 | 6,442 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7687% | 4,215 |
| Cost of funding earning assets | 1.1001% | 3,232 |
| Net interest margin | 3.6686% | 4,420 |
| Noninterest income to average assets | 0.4604% | 4,188 |
| Noninterest expense to average assets | 3.1262% | 3,155 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6887% | 3,603 |
| Return on assets (ROA) | 0.6964% | 3,679 |
| Pretax return on assets | 0.6964% | 4,396 |
| Return on Equity (ROE) | 7.2338% | 3,331 |
| Retained earnings to average equity (ytd only) | 3.0141% | 4,360 |
| Net charge-offs to loans | -0.0079% | 6,642 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9473% | 2,106 |
| Assets per employee ($millions) | 4.4069% | 2,983 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3130% | 1,720 |
| Loan loss allowance to noncurrent loans | 76.0563% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.4768% | 3,994 |
| Noncurrent loans to loans | 3.0412% | 2,383 |
| Net loans and leases to total assets | 47.4387% | 6,109 |
| Net loans and leases to deposits | 53.5852% | 6,340 |
| Net loans and leases to core deposits | 59.8007% | 6,103 |
| Total domestic deposits to total assets | 88.5294% | 1,834 |
| Equity capital to assets | 9.7479% | 4,464 |
| Core capital (leverage) ratio | 8.5567% | 5,465 |
| Tier 1 risk-based capital ratio | 13.9940% | 4,179 |
| Total risk-based capital ratio | 15.2523% | 4,144 |
| Memoranda: | ||
| Average total assets | $51,692,670 | 6,422 |
| Average earning assets | $47,266,330 | 6,386 |
| Average equity | $4,976,670 | 6,541 |
| Average total loans | $25,442,670 | 6,513 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 3,533 |
| Cost of funding earning assets | 1.1790% | 2,956 |
| Net interest margin | 3.7335% | 3,929 |
| Noninterest income to average assets | 0.3444% | 5,163 |
| Noninterest expense to average assets | 3.1469% | 3,082 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6184% | 3,941 |
| Return on assets (ROA) | 0.6184% | 4,007 |
| Pretax return on assets | 0.6184% | 4,612 |
| Return on Equity (ROE) | 6.4655% | 3,645 |
| Retained earnings to average equity (ytd only) | 1.2276% | 5,330 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5759% | 2,006 |
| Assets per employee ($millions) | 4.3018% | 3,242 |
| Cash dividends to net income (ytd only)* | 81.0127% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3839% | 1,629 |
| Loan loss allowance to noncurrent loans | 89.3072% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.2863% | 4,392 |
| Noncurrent loans to loans | 2.6693% | 2,820 |
| Net loans and leases to total assets | 47.0381% | 6,186 |
| Net loans and leases to deposits | 53.0047% | 6,389 |
| Net loans and leases to core deposits | 59.6243% | 6,124 |
| Total domestic deposits to total assets | 88.7432% | 1,929 |
| Equity capital to assets | 9.5463% | 4,374 |
| Core capital (leverage) ratio | 8.7422% | 5,015 |
| Tier 1 risk-based capital ratio | 14.4085% | 3,799 |
| Total risk-based capital ratio | 15.6672% | 3,753 |
| Memoranda: | ||
| Average total assets | $51,097,500 | 6,494 |
| Average earning assets | $46,819,500 | 6,462 |
| Average equity | $4,887,500 | 6,597 |
| Average total loans | $25,323,500 | 6,573 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1134% | 4,045 |
| Cost of funding earning assets | 1.5298% | 2,484 |
| Net interest margin | 3.5836% | 4,892 |
| Noninterest income to average assets | 0.6786% | 2,968 |
| Noninterest expense to average assets | 3.2057% | 3,071 |
| Loan and lease loss provision to assets | 1.1412% | 1,397 |
| Net operating income to assets | -0.3933% | 6,307 |
| Return on assets (ROA) | -0.2466% | 6,214 |
| Pretax return on assets | -0.2466% | 6,123 |
| Return on Equity (ROE) | -2.4947% | 6,232 |
| Retained earnings to average equity (ytd only) | -4.3091% | 6,231 |
| Net charge-offs to loans | 0.5436% | 3,430 |
| Credit loss provision to net charge-offs | 405.7971% | 600 |
| Earnings coverage of net charge-offs (x) | 2.6594% | 3,767 |
| Efficiency ratio | 81.0825% | 2,278 |
| Assets per employee ($millions) | 4.2144% | 3,363 |
| Cash dividends to net income (ytd only)* | -72.7273% | 7,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3009% | 1,692 |
| Loan loss allowance to noncurrent loans | 82.7057% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.4474% | 4,158 |
| Noncurrent loans to loans | 2.7821% | 2,740 |
| Net loans and leases to total assets | 49.7874% | 6,186 |
| Net loans and leases to deposits | 56.1104% | 6,437 |
| Net loans and leases to core deposits | 62.8673% | 6,162 |
| Total domestic deposits to total assets | 88.7311% | 1,805 |
| Equity capital to assets | 9.5842% | 4,291 |
| Core capital (leverage) ratio | 8.8346% | 4,802 |
| Tier 1 risk-based capital ratio | 14.3486% | 3,646 |
| Total risk-based capital ratio | 15.6061% | 3,595 |
| Memoranda: | ||
| Average total assets | $49,069,200 | 6,575 |
| Average earning assets | $44,842,600 | 6,542 |
| Average equity | $4,850,200 | 6,712 |
| Average total loans | $25,384,400 | 6,646 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1924% | 3,868 |
| Cost of funding earning assets | 1.6016% | 2,380 |
| Net interest margin | 3.5908% | 4,917 |
| Noninterest income to average assets | 0.7585% | 2,461 |
| Noninterest expense to average assets | 3.2146% | 2,875 |
| Loan and lease loss provision to assets | 0.4929% | 3,002 |
| Net operating income to assets | 0.3231% | 5,079 |
| Return on assets (ROA) | 0.5203% | 4,399 |
| Pretax return on assets | 0.5203% | 4,860 |
| Return on Equity (ROE) | 5.2222% | 4,185 |
| Retained earnings to average equity (ytd only) | 2.8035% | 4,471 |
| Net charge-offs to loans | 0.7276% | 2,604 |
| Credit loss provision to net charge-offs | 130.4348% | 3,097 |
| Earnings coverage of net charge-offs (x) | 2.1593% | 4,108 |
| Efficiency ratio | 79.7554% | 2,376 |
| Assets per employee ($millions) | 4.3003% | 3,257 |
| Cash dividends to net income (ytd only)* | 46.3151% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 6,940 |
| Loan loss allowance to noncurrent loans | 51.0791% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 1.3933% | 4,372 |
| Noncurrent loans to loans | 1.6229% | 4,213 |
| Net loans and leases to total assets | 49.3799% | 6,388 |
| Net loans and leases to deposits | 55.9184% | 6,624 |
| Net loans and leases to core deposits | 62.5632% | 6,408 |
| Total domestic deposits to total assets | 88.3071% | 1,785 |
| Equity capital to assets | 9.7492% | 4,474 |
| Core capital (leverage) ratio | 8.6198% | 5,314 |
| Tier 1 risk-based capital ratio | 14.1403% | 3,730 |
| Total risk-based capital ratio | 14.8159% | 4,097 |
| Memoranda: | ||
| Average total assets | $48,693,250 | 6,664 |
| Average earning assets | $44,371,500 | 6,643 |
| Average equity | $4,851,000 | 6,797 |
| Average total loans | $25,287,500 | 6,740 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3339% | 3,298 |
| Cost of funding earning assets | 1.6536% | 2,368 |
| Net interest margin | 3.6803% | 4,450 |
| Noninterest income to average assets | 0.6077% | 3,284 |
| Noninterest expense to average assets | 3.4742% | 2,086 |
| Loan and lease loss provision to assets | 0.6286% | 2,281 |
| Net operating income to assets | -0.1467% | 6,286 |
| Return on assets (ROA) | 0.1551% | 5,826 |
| Pretax return on assets | 0.1551% | 5,874 |
| Return on Equity (ROE) | 1.5446% | 5,789 |
| Retained earnings to average equity (ytd only) | -1.7115% | 6,101 |
| Net charge-offs to loans | 1.0973% | 1,723 |
| Credit loss provision to net charge-offs | 108.6957% | 3,747 |
| Earnings coverage of net charge-offs (x) | 0.8333% | 4,937 |
| Efficiency ratio | 87.8178% | 1,523 |
| Assets per employee ($millions) | 4.1750% | 3,438 |
| Cash dividends to net income (ytd only)* | 210.8108% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7406% | 7,169 |
| Loan loss allowance to noncurrent loans | 69.8473% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.2375% | 4,671 |
| Noncurrent loans to loans | 1.0603% | 5,195 |
| Net loans and leases to total assets | 48.9561% | 6,549 |
| Net loans and leases to deposits | 55.5098% | 6,763 |
| Net loans and leases to core deposits | 61.1036% | 6,629 |
| Total domestic deposits to total assets | 88.1936% | 1,887 |
| Equity capital to assets | 9.5589% | 4,618 |
| Core capital (leverage) ratio | 8.8333% | 4,859 |
| Tier 1 risk-based capital ratio | 14.9009% | 3,207 |
| Total risk-based capital ratio | 15.5328% | 3,526 |
| Memoranda: | ||
| Average total assets | $47,723,000 | 6,738 |
| Average earning assets | $43,420,670 | 6,723 |
| Average equity | $4,791,000 | 6,845 |
| Average total loans | $25,151,670 | 6,795 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6801% | 1,850 |
| Cost of funding earning assets | 1.6984% | 2,397 |
| Net interest margin | 3.9817% | 2,946 |
| Noninterest income to average assets | 0.7220% | 2,452 |
| Noninterest expense to average assets | 3.3266% | 2,445 |
| Loan and lease loss provision to assets | 1.0315% | 1,202 |
| Net operating income to assets | -0.0086% | 6,314 |
| Return on assets (ROA) | 0.5845% | 4,110 |
| Pretax return on assets | 0.5845% | 4,672 |
| Return on Equity (ROE) | 5.6761% | 4,025 |
| Retained earnings to average equity (ytd only) | 3.5058% | 4,044 |
| Net charge-offs to loans | 1.3716% | 1,254 |
| Credit loss provision to net charge-offs | 137.9310% | 2,566 |
| Earnings coverage of net charge-offs (x) | 1.3678% | 3,927 |
| Efficiency ratio | 76.4822% | 3,136 |
| Assets per employee ($millions) | 4.3170% | 3,258 |
| Cash dividends to net income (ytd only)* | 38.2353% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 7,090 |
| Loan loss allowance to noncurrent loans | 258.2278% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.9245% | 5,301 |
| Noncurrent loans to loans | 0.3156% | 6,677 |
| Net loans and leases to total assets | 52.2838% | 6,240 |
| Net loans and leases to deposits | 59.5096% | 6,508 |
| Net loans and leases to core deposits | 65.8585% | 6,292 |
| Total domestic deposits to total assets | 87.8577% | 2,138 |
| Equity capital to assets | 10.0596% | 3,791 |
| Core capital (leverage) ratio | 9.4015% | 3,903 |
| Tier 1 risk-based capital ratio | 13.8620% | 3,757 |
| Total risk-based capital ratio | 14.5050% | 4,108 |
| Memoranda: | ||
| Average total assets | $46,534,500 | 6,860 |
| Average earning assets | $42,393,500 | 6,842 |
| Average equity | $4,792,000 | 6,915 |
| Average total loans | $25,372,500 | 6,857 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6640% | 3,282 |
| Cost of funding earning assets | 1.9730% | 3,088 |
| Net interest margin | 3.6910% | 4,183 |
| Noninterest income to average assets | 0.5532% | 3,995 |
| Noninterest expense to average assets | 3.2091% | 3,345 |
| Loan and lease loss provision to assets | 0.2154% | 5,630 |
| Net operating income to assets | 0.4898% | 3,773 |
| Return on assets (ROA) | 0.5173% | 3,754 |
| Pretax return on assets | 0.5173% | 4,136 |
| Return on Equity (ROE) | 5.2205% | 3,575 |
| Retained earnings to average equity (ytd only) | 2.4078% | 3,445 |
| Net charge-offs to loans | 0.4510% | 3,981 |
| Credit loss provision to net charge-offs | 89.4737% | 6,017 |
| Earnings coverage of net charge-offs (x) | 2.9298% | 3,620 |
| Efficiency ratio | 81.9849% | 2,601 |
| Assets per employee ($millions) | 4.1438% | 3,531 |
| Cash dividends to net income (ytd only)* | 53.8776% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6650% | 7,446 |
| Loan loss allowance to noncurrent loans | 36.4606% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 1.0289% | 5,048 |
| Noncurrent loans to loans | 1.8240% | 3,892 |
| Net loans and leases to total assets | 56.0353% | 5,948 |
| Net loans and leases to deposits | 64.2954% | 6,230 |
| Net loans and leases to core deposits | 77.4141% | 6,308 |
| Total domestic deposits to total assets | 87.1528% | 2,412 |
| Equity capital to assets | 10.5458% | 3,134 |
| Core capital (leverage) ratio | 9.1526% | 4,196 |
| Tier 1 risk-based capital ratio | 15.3721% | 2,773 |
| Total risk-based capital ratio | 15.9756% | 3,042 |
| Memoranda: | ||
| Average total assets | $47,364,600 | 6,815 |
| Average earning assets | $43,132,400 | 6,809 |
| Average equity | $4,693,000 | 7,052 |
| Average total loans | $25,279,400 | 6,896 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6742% | 3,454 |
| Cost of funding earning assets | 2.0182% | 3,260 |
| Net interest margin | 3.6560% | 4,250 |
| Noninterest income to average assets | 0.5243% | 4,288 |
| Noninterest expense to average assets | 3.1820% | 3,361 |
| Loan and lease loss provision to assets | 0.1952% | 5,433 |
| Net operating income to assets | 0.4713% | 4,114 |
| Return on assets (ROA) | 0.5912% | 3,695 |
| Pretax return on assets | 0.5912% | 4,208 |
| Return on Equity (ROE) | 6.0598% | 3,502 |
| Retained earnings to average equity (ytd only) | 2.2866% | 4,048 |
| Net charge-offs to loans | 0.0901% | 5,787 |
| Credit loss provision to net charge-offs | 411.7647% | 965 |
| Earnings coverage of net charge-offs (x) | 14.0565% | 1,629 |
| Efficiency ratio | 82.6812% | 2,482 |
| Assets per employee ($millions) | 4.4602% | 2,926 |
| Cash dividends to net income (ytd only)* | 62.2656% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 6,608 |
| Loan loss allowance to noncurrent loans | 30.8497% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 1.5593% | 4,024 |
| Noncurrent loans to loans | 3.0388% | 2,494 |
| Net loans and leases to total assets | 50.8296% | 6,713 |
| Net loans and leases to deposits | 60.5924% | 6,775 |
| Net loans and leases to core deposits | 72.0918% | 6,843 |
| Total domestic deposits to total assets | 83.8877% | 3,775 |
| Equity capital to assets | 9.7224% | 4,468 |
| Core capital (leverage) ratio | 8.7911% | 4,990 |
| Tier 1 risk-based capital ratio | 15.1064% | 2,995 |
| Total risk-based capital ratio | 15.9311% | 3,130 |
| Memoranda: | ||
| Average total assets | $47,810,250 | 6,843 |
| Average earning assets | $43,470,750 | 6,840 |
| Average equity | $4,664,500 | 7,121 |
| Average total loans | $25,171,000 | 6,962 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7981% | 3,053 |
| Cost of funding earning assets | 2.0694% | 3,423 |
| Net interest margin | 3.7287% | 3,839 |
| Noninterest income to average assets | 0.5781% | 3,849 |
| Noninterest expense to average assets | 3.2368% | 3,205 |
| Loan and lease loss provision to assets | 0.1266% | 5,844 |
| Net operating income to assets | 0.5908% | 3,714 |
| Return on assets (ROA) | 0.7680% | 3,079 |
| Pretax return on assets | 0.7680% | 3,781 |
| Return on Equity (ROE) | 7.8629% | 2,830 |
| Retained earnings to average equity (ytd only) | 3.1106% | 3,584 |
| Net charge-offs to loans | 0.1271% | 4,896 |
| Credit loss provision to net charge-offs | 187.5000% | 2,434 |
| Earnings coverage of net charge-offs (x) | 10.6250% | 1,977 |
| Efficiency ratio | 81.8570% | 2,739 |
| Assets per employee ($millions) | 4.4084% | 2,919 |
| Cash dividends to net income (ytd only)* | 60.4396% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 7,240 |
| Loan loss allowance to noncurrent loans | 41.3866% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 0.9816% | 5,004 |
| Noncurrent loans to loans | 1.8702% | 3,702 |
| Net loans and leases to total assets | 52.0808% | 6,677 |
| Net loans and leases to deposits | 63.3259% | 6,631 |
| Net loans and leases to core deposits | 77.3578% | 6,587 |
| Total domestic deposits to total assets | 82.2424% | 4,595 |
| Equity capital to assets | 9.2654% | 4,921 |
| Core capital (leverage) ratio | 8.8544% | 4,854 |
| Tier 1 risk-based capital ratio | 15.1478% | 2,958 |
| Total risk-based capital ratio | 15.8394% | 3,137 |
| Memoranda: | ||
| Average total assets | $47,393,000 | 6,927 |
| Average earning assets | $42,910,330 | 6,931 |
| Average equity | $4,629,330 | 7,201 |
| Average total loans | $25,170,000 | 7,019 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8640% | 2,971 |
| Cost of funding earning assets | 2.1099% | 3,609 |
| Net interest margin | 3.7541% | 3,637 |
| Noninterest income to average assets | 0.4611% | 4,674 |
| Noninterest expense to average assets | 3.0399% | 3,592 |
| Loan and lease loss provision to assets | 0.1281% | 5,318 |
| Net operating income to assets | 0.6660% | 3,724 |
| Return on assets (ROA) | 0.6660% | 3,900 |
| Pretax return on assets | 0.6660% | 4,539 |
| Return on Equity (ROE) | 6.6418% | 3,753 |
| Retained earnings to average equity (ytd only) | 5.1091% | 3,061 |
| Net charge-offs to loans | 0.2078% | 3,396 |
| Credit loss provision to net charge-offs | 115.3846% | 3,375 |
| Earnings coverage of net charge-offs (x) | 7.1538% | 2,384 |
| Efficiency ratio | 79.2873% | 2,946 |
| Assets per employee ($millions) | 4.2946% | 3,083 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7333% | 7,353 |
| Loan loss allowance to noncurrent loans | 49.4652% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7917% | 5,196 |
| Noncurrent loans to loans | 1.4825% | 4,077 |
| Net loans and leases to total assets | 53.0090% | 6,579 |
| Net loans and leases to deposits | 64.9969% | 6,462 |
| Net loans and leases to core deposits | 78.1952% | 6,519 |
| Total domestic deposits to total assets | 81.5563% | 4,728 |
| Equity capital to assets | 10.0421% | 3,958 |
| Core capital (leverage) ratio | 9.1960% | 4,407 |
| Tier 1 risk-based capital ratio | 15.5321% | 2,839 |
| Total risk-based capital ratio | 16.1998% | 3,021 |
| Memoranda: | ||
| Average total assets | $46,843,500 | 6,998 |
| Average earning assets | $42,087,500 | 7,014 |
| Average equity | $4,697,500 | 7,223 |
| Average total loans | $25,029,000 | 7,063 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1278% | 4,909 |
| Cost of funding earning assets | 2.6823% | 3,247 |
| Net interest margin | 3.4455% | 5,483 |
| Noninterest income to average assets | 0.6451% | 3,508 |
| Noninterest expense to average assets | 3.3789% | 2,739 |
| Loan and lease loss provision to assets | 0.0343% | 6,977 |
| Net operating income to assets | 0.4026% | 5,136 |
| Return on assets (ROA) | 0.4461% | 4,789 |
| Pretax return on assets | 0.4461% | 5,133 |
| Return on Equity (ROE) | 4.5719% | 4,567 |
| Retained earnings to average equity (ytd only) | 1.8522% | 4,077 |
| Net charge-offs to loans | 0.0041% | 6,931 |
| Credit loss provision to net charge-offs | 1,500.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 245 |
| Efficiency ratio | 88.5492% | 1,626 |
| Assets per employee ($millions) | 4.2224% | 3,078 |
| Cash dividends to net income (ytd only)* | 59.4872% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7370% | 7,338 |
| Loan loss allowance to noncurrent loans | 33.6397% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 1.1713% | 3,917 |
| Noncurrent loans to loans | 2.1908% | 2,522 |
| Net loans and leases to total assets | 53.0681% | 6,743 |
| Net loans and leases to deposits | 64.0940% | 6,788 |
| Net loans and leases to core deposits | 78.1533% | 6,744 |
| Total domestic deposits to total assets | 82.7972% | 3,858 |
| Equity capital to assets | 10.0138% | 4,020 |
| Core capital (leverage) ratio | 9.6976% | 3,768 |
| Tier 1 risk-based capital ratio | 15.4240% | 2,865 |
| Total risk-based capital ratio | 16.0893% | 3,043 |
| Memoranda: | ||
| Average total assets | $43,712,600 | 7,041 |
| Average earning assets | $40,226,200 | 7,031 |
| Average equity | $4,265,200 | 7,407 |
| Average total loans | $24,232,400 | 7,067 |