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 | 4.7747% | 2,525 |
| Cost of funding earning assets | 0.3164% | 4,368 |
| Net interest margin | 4.4583% | 652 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 3.1287% | 916 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0027% | 2,215 |
| Return on assets (ROA) | 1.0027% | 2,195 |
| Pretax return on assets | 1.2676% | 1,965 |
| Return on Equity (ROE) | 10.7300% | 2,300 |
| Retained earnings to average equity (ytd only) | 10.7284% | 851 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.1670% | 1,738 |
| Assets per employee ($millions) | 6.0814% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 1,846 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 50.2500% | 3,581 |
| Net loans and leases to deposits | 55.8761% | 3,715 |
| Net loans and leases to core deposits | 55.8761% | 3,916 |
| Total domestic deposits to total assets | 89.9400% | 772 |
| Equity capital to assets | 9.6951% | 2,204 |
| Core capital (leverage) ratio | 9.8991% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4749% | 393 |
| Memoranda: | ||
| Average total assets | $29,820,400 | 4,466 |
| Average earning assets | $27,813,400 | 4,430 |
| Average equity | $2,787,000 | 4,442 |
| Average total loans | $15,530,600 | 4,342 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 2,504 |
| Cost of funding earning assets | 0.2838% | 4,379 |
| Net interest margin | 4.4007% | 702 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 3.2081% | 813 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8986% | 2,684 |
| Return on assets (ROA) | 0.8986% | 2,671 |
| Pretax return on assets | 1.1413% | 2,454 |
| Return on Equity (ROE) | 9.7100% | 2,732 |
| Retained earnings to average equity (ytd only) | 9.7082% | 1,493 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.7603% | 1,380 |
| Assets per employee ($millions) | 5.7018% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 1,899 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 53.3100% | 3,407 |
| Net loans and leases to deposits | 59.4469% | 3,537 |
| Net loans and leases to core deposits | 59.4469% | 3,722 |
| Total domestic deposits to total assets | 89.6700% | 1,025 |
| Equity capital to assets | 9.9933% | 1,836 |
| Core capital (leverage) ratio | 9.7792% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2901% | 471 |
| Memoranda: | ||
| Average total assets | $29,673,750 | 4,488 |
| Average earning assets | $27,722,250 | 4,455 |
| Average equity | $2,746,750 | 4,463 |
| Average total loans | $15,543,250 | 4,364 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 2,561 |
| Cost of funding earning assets | 0.2551% | 4,375 |
| Net interest margin | 4.2801% | 833 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 3.1402% | 854 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8943% | 2,769 |
| Return on assets (ROA) | 0.9048% | 2,725 |
| Pretax return on assets | 1.1443% | 2,524 |
| Return on Equity (ROE) | 10.0300% | 2,690 |
| Retained earnings to average equity (ytd only) | 10.0270% | 1,395 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.5202% | 1,402 |
| Assets per employee ($millions) | 5.8348% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 1,914 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 51.6100% | 3,440 |
| Net loans and leases to deposits | 57.2276% | 3,576 |
| Net loans and leases to core deposits | 57.2276% | 3,757 |
| Total domestic deposits to total assets | 90.1800% | 871 |
| Equity capital to assets | 9.5393% | 2,136 |
| Core capital (leverage) ratio | 9.3772% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9056% | 489 |
| Memoranda: | ||
| Average total assets | $30,062,000 | 4,512 |
| Average earning assets | $28,223,333 | 4,482 |
| Average equity | $2,712,667 | 4,494 |
| Average total loans | $15,592,333 | 4,385 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3787% | 2,615 |
| Cost of funding earning assets | 0.2371% | 4,316 |
| Net interest margin | 4.1417% | 1,041 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 3.0814% | 961 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8392% | 3,054 |
| Return on assets (ROA) | 0.8392% | 3,012 |
| Pretax return on assets | 1.0621% | 2,822 |
| Return on Equity (ROE) | 9.5600% | 2,910 |
| Retained earnings to average equity (ytd only) | 9.5612% | 1,805 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.3671% | 1,304 |
| Assets per employee ($millions) | 5.7428% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2576% | 2,252 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 54.4200% | 3,166 |
| Net loans and leases to deposits | 60.1772% | 3,322 |
| Net loans and leases to core deposits | 60.7811% | 3,506 |
| Total domestic deposits to total assets | 90.4300% | 1,001 |
| Equity capital to assets | 9.4449% | 2,186 |
| Core capital (leverage) ratio | 8.5922% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2633% | 636 |
| Memoranda: | ||
| Average total assets | $30,506,000 | 4,571 |
| Average earning assets | $28,684,000 | 4,541 |
| Average equity | $2,677,500 | 4,561 |
| Average total loans | $15,761,000 | 4,447 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5989% | 2,807 |
| Cost of funding earning assets | 0.0967% | 4,407 |
| Net interest margin | 3.5022% | 1,926 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.6512% | 1,673 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6588% | 3,738 |
| Return on assets (ROA) | 0.6588% | 3,687 |
| Pretax return on assets | 0.8355% | 3,530 |
| Return on Equity (ROE) | 8.0600% | 3,377 |
| Retained earnings to average equity (ytd only) | 8.0626% | 1,805 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.0369% | 1,006 |
| Assets per employee ($millions) | 6.4596% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 2,059 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 47.9900% | 3,667 |
| Net loans and leases to deposits | 52.3032% | 3,783 |
| Net loans and leases to core deposits | 52.7626% | 3,879 |
| Total domestic deposits to total assets | 91.7500% | 701 |
| Equity capital to assets | 8.1832% | 2,946 |
| Core capital (leverage) ratio | 8.1539% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2614% | 608 |
| Memoranda: | ||
| Average total assets | $31,117,400 | 4,602 |
| Average earning assets | $28,953,400 | 4,573 |
| Average equity | $2,542,600 | 4,642 |
| Average total loans | $15,529,800 | 4,473 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4619% | 2,743 |
| Cost of funding earning assets | 0.0978% | 4,303 |
| Net interest margin | 3.3640% | 2,088 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.5219% | 1,950 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6584% | 3,672 |
| Return on assets (ROA) | 0.6618% | 3,623 |
| Pretax return on assets | 0.8392% | 3,493 |
| Return on Equity (ROE) | 8.1000% | 3,296 |
| Retained earnings to average equity (ytd only) | 8.1031% | 1,961 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.1289% | 1,163 |
| Assets per employee ($millions) | 7.8280% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 2,276 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 50.3400% | 3,430 |
| Net loans and leases to deposits | 54.9313% | 3,553 |
| Net loans and leases to core deposits | 55.4297% | 3,663 |
| Total domestic deposits to total assets | 91.6400% | 996 |
| Equity capital to assets | 8.2812% | 2,698 |
| Core capital (leverage) ratio | 7.8806% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5562% | 676 |
| Memoranda: | ||
| Average total assets | $30,822,250 | 4,637 |
| Average earning assets | $28,615,750 | 4,606 |
| Average equity | $2,517,500 | 4,683 |
| Average total loans | $15,487,750 | 4,508 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3965% | 2,446 |
| Cost of funding earning assets | 0.0985% | 4,206 |
| Net interest margin | 3.2981% | 1,915 |
| Noninterest income to average assets | 0.2414% | 3,725 |
| Noninterest expense to average assets | 2.5180% | 1,871 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6197% | 3,568 |
| Return on assets (ROA) | 0.6197% | 3,519 |
| Pretax return on assets | 0.7828% | 3,369 |
| Return on Equity (ROE) | 7.6234% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.6234% | 1,756 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2846% | 1,244 |
| Assets per employee ($millions) | 5.3553% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 49.1877% | 3,452 |
| Net loans and leases to deposits | 53.4603% | 3,570 |
| Net loans and leases to core deposits | 53.9291% | 3,699 |
| Total domestic deposits to total assets | 92.0080% | 827 |
| Equity capital to assets | 7.8956% | 3,202 |
| Core capital (leverage) ratio | 8.0306% | 4,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9136% | 734 |
| Memoranda: | ||
| Average total assets | $30,659,000 | 4,672 |
| Average earning assets | $28,440,667 | 4,662 |
| Average equity | $2,492,333 | 4,716 |
| Average total loans | $15,330,000 | 4,572 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2072% | 2,669 |
| Cost of funding earning assets | 0.1007% | 4,124 |
| Net interest margin | 3.1065% | 2,153 |
| Noninterest income to average assets | 0.2674% | 3,526 |
| Noninterest expense to average assets | 2.5132% | 1,854 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5080% | 3,691 |
| Return on assets (ROA) | 0.5080% | 3,658 |
| Pretax return on assets | 0.6417% | 3,531 |
| Return on Equity (ROE) | 6.1538% | 3,302 |
| Retained earnings to average equity (ytd only) | 6.1538% | 2,195 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6610% | 1,174 |
| Assets per employee ($millions) | 4.7897% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 1,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 49.4954% | 3,226 |
| Net loans and leases to deposits | 54.2549% | 3,400 |
| Net loans and leases to core deposits | 54.7920% | 3,539 |
| Total domestic deposits to total assets | 91.2276% | 922 |
| Equity capital to assets | 8.6506% | 3,022 |
| Core capital (leverage) ratio | 7.6712% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9021% | 652 |
| Memoranda: | ||
| Average total assets | $29,922,500 | 4,704 |
| Average earning assets | $27,812,500 | 4,690 |
| Average equity | $2,470,000 | 4,743 |
| Average total loans | $14,993,000 | 4,598 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4739% | 2,737 |
| Cost of funding earning assets | 0.1086% | 4,319 |
| Net interest margin | 3.3654% | 2,129 |
| Noninterest income to average assets | 0.2487% | 3,882 |
| Noninterest expense to average assets | 2.8989% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4122% | 4,257 |
| Return on assets (ROA) | 0.4258% | 4,272 |
| Pretax return on assets | 0.5348% | 4,202 |
| Return on Equity (ROE) | 5.1953% | 3,956 |
| Retained earnings to average equity (ytd only) | 5.1953% | 2,713 |
| Net charge-offs to loans | -0.0173% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8455% | 527 |
| Assets per employee ($millions) | 5.1845% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 2,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 49.3908% | 3,364 |
| Net loans and leases to deposits | 53.6771% | 3,621 |
| Net loans and leases to core deposits | 54.1634% | 3,742 |
| Total domestic deposits to total assets | 92.0147% | 172 |
| Equity capital to assets | 7.8889% | 4,424 |
| Core capital (leverage) ratio | 7.8951% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6056% | 806 |
| Memoranda: | ||
| Average total assets | $29,355,800 | 4,748 |
| Average earning assets | $27,634,400 | 4,728 |
| Average equity | $2,406,000 | 4,792 |
| Average total loans | $17,345,200 | 4,609 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5151% | 2,783 |
| Cost of funding earning assets | 0.1177% | 4,366 |
| Net interest margin | 3.3975% | 2,160 |
| Noninterest income to average assets | 0.2628% | 3,830 |
| Noninterest expense to average assets | 2.8955% | 1,133 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4465% | 4,303 |
| Return on assets (ROA) | 0.4611% | 4,313 |
| Pretax return on assets | 0.5809% | 4,259 |
| Return on Equity (ROE) | 5.5693% | 4,004 |
| Retained earnings to average equity (ytd only) | 5.5693% | 3,012 |
| Net charge-offs to loans | -0.0225% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7333% | 532 |
| Assets per employee ($millions) | 4.7257% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 2,967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 57.5192% | 2,557 |
| Net loans and leases to deposits | 62.9740% | 2,959 |
| Net loans and leases to core deposits | 63.6052% | 3,175 |
| Total domestic deposits to total assets | 91.3381% | 279 |
| Equity capital to assets | 8.5808% | 4,152 |
| Core capital (leverage) ratio | 7.6237% | 4,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8847% | 983 |
| Memoranda: | ||
| Average total assets | $28,918,000 | 4,823 |
| Average earning assets | $27,196,000 | 4,802 |
| Average equity | $2,394,000 | 4,866 |
| Average total loans | $17,790,750 | 4,670 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7507% | 2,198 |
| Cost of funding earning assets | 0.1243% | 4,399 |
| Net interest margin | 3.6264% | 1,529 |
| Noninterest income to average assets | 0.2611% | 3,827 |
| Noninterest expense to average assets | 3.0784% | 870 |
| Loan and lease loss provision to assets | 0.0206% | 2,554 |
| Net operating income to assets | 0.5305% | 4,161 |
| Return on assets (ROA) | 0.5497% | 4,157 |
| Pretax return on assets | 0.5909% | 4,248 |
| Return on Equity (ROE) | 6.7199% | 3,726 |
| Retained earnings to average equity (ytd only) | 6.7199% | 2,532 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8951% | 559 |
| Assets per employee ($millions) | 5.9668% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 2,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 54.5686% | 3,068 |
| Net loans and leases to deposits | 59.7870% | 3,406 |
| Net loans and leases to core deposits | 60.3544% | 3,595 |
| Total domestic deposits to total assets | 91.2717% | 291 |
| Equity capital to assets | 8.1283% | 4,469 |
| Core capital (leverage) ratio | 7.6895% | 4,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1304% | 689 |
| Memoranda: | ||
| Average total assets | $29,106,000 | 4,853 |
| Average earning assets | $27,355,000 | 4,835 |
| Average equity | $2,381,000 | 4,902 |
| Average total loans | $18,218,333 | 4,694 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9546% | 115 |
| Cost of funding earning assets | 0.1182% | 4,531 |
| Net interest margin | 5.8364% | 75 |
| Noninterest income to average assets | 0.2646% | 3,814 |
| Noninterest expense to average assets | 3.0356% | 935 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2330% | 392 |
| Return on assets (ROA) | 2.2558% | 410 |
| Pretax return on assets | 2.7571% | 318 |
| Return on Equity (ROE) | 26.6831% | 213 |
| Retained earnings to average equity (ytd only) | 26.6831% | 109 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6570% | 3,944 |
| Assets per employee ($millions) | 4.8383% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 66.2315% | 1,769 |
| Net loans and leases to deposits | 72.5739% | 2,259 |
| Net loans and leases to core deposits | 73.2820% | 2,583 |
| Total domestic deposits to total assets | 91.2608% | 308 |
| Equity capital to assets | 8.6393% | 4,007 |
| Core capital (leverage) ratio | 8.1570% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6512% | 829 |
| Memoranda: | ||
| Average total assets | $28,726,000 | 4,880 |
| Average earning assets | $27,071,500 | 4,858 |
| Average equity | $2,428,500 | 4,926 |
| Average total loans | $19,088,000 | 4,711 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 1,239 |
| Cost of funding earning assets | 0.1897% | 4,615 |
| Net interest margin | 4.3395% | 468 |
| Noninterest income to average assets | 0.2331% | 4,103 |
| Noninterest expense to average assets | 3.7903% | 465 |
| Loan and lease loss provision to assets | -0.3073% | 4,991 |
| Net operating income to assets | 0.6149% | 3,693 |
| Return on assets (ROA) | 0.6641% | 3,670 |
| Pretax return on assets | 0.7665% | 3,713 |
| Return on Equity (ROE) | 8.2761% | 2,703 |
| Retained earnings to average equity (ytd only) | 8.2761% | 977 |
| Net charge-offs to loans | 0.0109% | 2,936 |
| Credit loss provision to net charge-offs | -4,350.0000% | 4,306 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 1,097 |
| Efficiency ratio | 90.3960% | 367 |
| Assets per employee ($millions) | 4.7370% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 65.2910% | 2,187 |
| Net loans and leases to deposits | 71.2416% | 2,762 |
| Net loans and leases to core deposits | 72.6529% | 3,023 |
| Total domestic deposits to total assets | 91.6473% | 111 |
| Equity capital to assets | 8.2647% | 4,592 |
| Core capital (leverage) ratio | 7.2157% | 4,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6318% | 1,119 |
| Memoranda: | ||
| Average total assets | $28,309,200 | 4,888 |
| Average earning assets | $25,832,200 | 4,875 |
| Average equity | $2,271,600 | 4,952 |
| Average total loans | $18,301,200 | 4,746 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9545% | 659 |
| Cost of funding earning assets | 0.2032% | 4,666 |
| Net interest margin | 4.7513% | 229 |
| Noninterest income to average assets | 0.2357% | 4,086 |
| Noninterest expense to average assets | 3.8942% | 416 |
| Loan and lease loss provision to assets | -0.4102% | 5,026 |
| Net operating income to assets | 0.9009% | 2,705 |
| Return on assets (ROA) | 0.9618% | 2,618 |
| Pretax return on assets | 1.1220% | 2,675 |
| Return on Equity (ROE) | 12.0765% | 1,344 |
| Retained earnings to average equity (ytd only) | 12.0765% | 416 |
| Net charge-offs to loans | 0.0147% | 2,595 |
| Credit loss provision to net charge-offs | -4,350.0000% | 4,208 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 1,018 |
| Efficiency ratio | 85.8628% | 506 |
| Assets per employee ($millions) | 4.6925% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 4,005 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 74.9458% | 1,242 |
| Net loans and leases to deposits | 81.9043% | 2,107 |
| Net loans and leases to core deposits | 82.7263% | 2,603 |
| Total domestic deposits to total assets | 91.5042% | 102 |
| Equity capital to assets | 8.3928% | 4,525 |
| Core capital (leverage) ratio | 7.6624% | 4,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2824% | 1,424 |
| Memoranda: | ||
| Average total assets | $28,281,000 | 4,920 |
| Average earning assets | $25,592,250 | 4,908 |
| Average equity | $2,252,250 | 4,982 |
| Average total loans | $18,188,250 | 4,779 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4772% | 350 |
| Cost of funding earning assets | 0.2083% | 4,744 |
| Net interest margin | 5.2689% | 124 |
| Noninterest income to average assets | 0.2401% | 4,042 |
| Noninterest expense to average assets | 4.4628% | 259 |
| Loan and lease loss provision to assets | -0.6708% | 5,061 |
| Net operating income to assets | 1.1083% | 1,943 |
| Return on assets (ROA) | 1.2004% | 1,763 |
| Pretax return on assets | 1.3770% | 1,780 |
| Return on Equity (ROE) | 15.3476% | 656 |
| Retained earnings to average equity (ytd only) | 15.3476% | 205 |
| Net charge-offs to loans | 0.0233% | 2,249 |
| Credit loss provision to net charge-offs | -4,750.0000% | 4,089 |
| Earnings coverage of net charge-offs (x) | 42.5000% | 1,204 |
| Efficiency ratio | 88.1450% | 445 |
| Assets per employee ($millions) | 4.5513% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 4,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 77.6329% | 900 |
| Net loans and leases to deposits | 84.9699% | 1,891 |
| Net loans and leases to core deposits | 85.8473% | 2,453 |
| Total domestic deposits to total assets | 91.3652% | 101 |
| Equity capital to assets | 8.5140% | 4,466 |
| Core capital (leverage) ratio | 7.4339% | 4,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9419% | 1,256 |
| Memoranda: | ||
| Average total assets | $28,323,000 | 4,951 |
| Average earning assets | $25,925,667 | 4,936 |
| Average equity | $2,215,333 | 5,015 |
| Average total loans | $17,152,000 | 4,827 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7944% | 4,245 |
| Cost of funding earning assets | 0.2286% | 4,825 |
| Net interest margin | 3.5659% | 2,782 |
| Noninterest income to average assets | 0.2497% | 4,052 |
| Noninterest expense to average assets | 5.3554% | 186 |
| Loan and lease loss provision to assets | -1.4429% | 5,111 |
| Net operating income to assets | -0.1702% | 4,836 |
| Return on assets (ROA) | -0.0277% | 4,757 |
| Pretax return on assets | -0.2359% | 4,827 |
| Return on Equity (ROE) | -0.3703% | 4,763 |
| Retained earnings to average equity (ytd only) | -0.3703% | 4,049 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.1746% | 54 |
| Assets per employee ($millions) | 3.7479% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 2,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 48.2940% | 4,319 |
| Net loans and leases to deposits | 52.0807% | 4,514 |
| Net loans and leases to core deposits | 52.5609% | 4,618 |
| Total domestic deposits to total assets | 92.7292% | 15 |
| Equity capital to assets | 7.2007% | 5,058 |
| Core capital (leverage) ratio | 7.3209% | 5,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5647% | 1,735 |
| Memoranda: | ||
| Average total assets | $28,830,500 | 4,987 |
| Average earning assets | $26,249,000 | 4,978 |
| Average equity | $2,160,500 | 5,066 |
| Average total loans | $15,034,000 | 4,900 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5115% | 2,904 |
| Cost of funding earning assets | 0.2484% | 4,856 |
| Net interest margin | 4.2631% | 1,177 |
| Noninterest income to average assets | 0.2963% | 3,909 |
| Noninterest expense to average assets | 6.9735% | 110 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -2.1721% | 5,134 |
| Return on assets (ROA) | -2.4608% | 5,140 |
| Pretax return on assets | -3.0422% | 5,146 |
| Return on Equity (ROE) | -26.4922% | 5,158 |
| Retained earnings to average equity (ytd only) | -26.4922% | 5,152 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.6422% | 34 |
| Assets per employee ($millions) | 3.9540% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8498% | 601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 54.6355% | 4,037 |
| Net loans and leases to deposits | 59.3299% | 4,314 |
| Net loans and leases to core deposits | 59.9271% | 4,447 |
| Total domestic deposits to total assets | 92.0876% | 34 |
| Equity capital to assets | 7.8113% | 5,078 |
| Core capital (leverage) ratio | 7.4366% | 5,106 |
| Tier 1 risk-based capital ratio | 13.8053% | 3,362 |
| Total risk-based capital ratio | 15.0673% | 3,265 |
| Memoranda: | ||
| Average total assets | $26,658,000 | 5,060 |
| Average earning assets | $24,958,400 | 5,043 |
| Average equity | $2,476,200 | 5,103 |
| Average total loans | $15,426,200 | 4,957 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 2,799 |
| Cost of funding earning assets | 0.2416% | 4,941 |
| Net interest margin | 4.3372% | 1,079 |
| Noninterest income to average assets | 0.3181% | 3,843 |
| Noninterest expense to average assets | 7.0950% | 106 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -2.1310% | 5,210 |
| Return on assets (ROA) | -2.1310% | 5,210 |
| Pretax return on assets | -2.6966% | 5,219 |
| Return on Equity (ROE) | -22.0237% | 5,231 |
| Retained earnings to average equity (ytd only) | -22.0237% | 5,215 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.3088% | 34 |
| Assets per employee ($millions) | 3.6723% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8485% | 610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 58.8695% | 3,787 |
| Net loans and leases to deposits | 65.0043% | 4,124 |
| Net loans and leases to core deposits | 65.7185% | 4,294 |
| Total domestic deposits to total assets | 90.5625% | 159 |
| Equity capital to assets | 8.9473% | 4,808 |
| Core capital (leverage) ratio | 8.9801% | 4,652 |
| Tier 1 risk-based capital ratio | 15.0322% | 2,831 |
| Total risk-based capital ratio | 16.2893% | 2,759 |
| Memoranda: | ||
| Average total assets | $26,403,000 | 5,137 |
| Average earning assets | $24,839,000 | 5,118 |
| Average equity | $2,554,750 | 5,176 |
| Average total loans | $15,431,000 | 5,033 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6314% | 2,577 |
| Cost of funding earning assets | 0.2387% | 4,983 |
| Net interest margin | 4.3926% | 954 |
| Noninterest income to average assets | 0.3304% | 3,732 |
| Noninterest expense to average assets | 5.6091% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.8936% | 5,217 |
| Return on assets (ROA) | -0.8936% | 5,221 |
| Pretax return on assets | -1.1338% | 5,232 |
| Return on Equity (ROE) | -9.0163% | 5,232 |
| Retained earnings to average equity (ytd only) | -9.0163% | 5,158 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.3356% | 67 |
| Assets per employee ($millions) | 3.6283% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8498% | 622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 59.5401% | 3,778 |
| Net loans and leases to deposits | 66.4411% | 4,066 |
| Net loans and leases to core deposits | 67.1880% | 4,253 |
| Total domestic deposits to total assets | 89.6134% | 445 |
| Equity capital to assets | 10.2292% | 3,772 |
| Core capital (leverage) ratio | 9.0631% | 4,581 |
| Tier 1 risk-based capital ratio | 17.3732% | 1,974 |
| Total risk-based capital ratio | 18.6314% | 1,930 |
| Memoranda: | ||
| Average total assets | $26,635,330 | 5,182 |
| Average earning assets | $25,133,000 | 5,164 |
| Average equity | $2,639,670 | 5,210 |
| Average total loans | $15,435,330 | 5,079 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 2,904 |
| Cost of funding earning assets | 0.2176% | 5,075 |
| Net interest margin | 4.2738% | 1,143 |
| Noninterest income to average assets | 0.3522% | 3,501 |
| Noninterest expense to average assets | 5.5478% | 160 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.9100% | 5,283 |
| Return on assets (ROA) | -0.9100% | 5,280 |
| Pretax return on assets | -1.1595% | 5,287 |
| Return on Equity (ROE) | -9.3216% | 5,290 |
| Retained earnings to average equity (ytd only) | -9.3216% | 5,081 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.4214% | 62 |
| Assets per employee ($millions) | 4.1687% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8641% | 626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 51.4170% | 4,382 |
| Net loans and leases to deposits | 56.6317% | 4,567 |
| Net loans and leases to core deposits | 57.1755% | 4,671 |
| Total domestic deposits to total assets | 90.7920% | 212 |
| Equity capital to assets | 9.0367% | 4,654 |
| Core capital (leverage) ratio | 9.4667% | 4,169 |
| Tier 1 risk-based capital ratio | 17.8004% | 1,854 |
| Total risk-based capital ratio | 19.0563% | 1,807 |
| Memoranda: | ||
| Average total assets | $27,254,000 | 5,231 |
| Average earning assets | $25,738,000 | 5,211 |
| Average equity | $2,660,500 | 5,264 |
| Average total loans | $15,449,500 | 5,140 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2763% | 3,187 |
| Cost of funding earning assets | 0.1887% | 5,046 |
| Net interest margin | 4.0877% | 1,722 |
| Noninterest income to average assets | 0.3151% | 4,010 |
| Noninterest expense to average assets | 3.8879% | 610 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1435% | 5,153 |
| Return on assets (ROA) | 0.0770% | 5,190 |
| Pretax return on assets | 0.1539% | 5,147 |
| Return on Equity (ROE) | 0.7703% | 5,182 |
| Retained earnings to average equity (ytd only) | -1.8707% | 5,124 |
| Net charge-offs to loans | -0.0195% | 4,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2274% | 236 |
| Assets per employee ($millions) | 3.6181% | 4,429 |
| Cash dividends to net income (ytd only)* | 342.8571% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8258% | 652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 60.5085% | 3,711 |
| Net loans and leases to deposits | 67.8638% | 3,987 |
| Net loans and leases to core deposits | 68.6266% | 4,203 |
| Total domestic deposits to total assets | 89.1618% | 795 |
| Equity capital to assets | 10.5974% | 3,083 |
| Core capital (leverage) ratio | 9.4838% | 4,128 |
| Tier 1 risk-based capital ratio | 17.5244% | 1,896 |
| Total risk-based capital ratio | 18.7832% | 1,848 |
| Memoranda: | ||
| Average total assets | $27,289,800 | 5,276 |
| Average earning assets | $25,442,400 | 5,255 |
| Average equity | $2,726,200 | 5,302 |
| Average total loans | $15,385,600 | 5,184 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 3,584 |
| Cost of funding earning assets | 0.1751% | 5,119 |
| Net interest margin | 3.9392% | 2,162 |
| Noninterest income to average assets | 0.3168% | 4,032 |
| Noninterest expense to average assets | 3.3980% | 1,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4079% | 4,938 |
| Return on assets (ROA) | 0.4079% | 4,940 |
| Pretax return on assets | 0.5903% | 4,750 |
| Return on Equity (ROE) | 4.1410% | 4,789 |
| Retained earnings to average equity (ytd only) | 0.6332% | 4,925 |
| Net charge-offs to loans | -0.0261% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1986% | 564 |
| Assets per employee ($millions) | 4.0216% | 3,851 |
| Cash dividends to net income (ytd only)* | 84.7084% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7900% | 740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 55.5469% | 4,251 |
| Net loans and leases to deposits | 61.5945% | 4,464 |
| Net loans and leases to core deposits | 62.2096% | 4,603 |
| Total domestic deposits to total assets | 90.1815% | 449 |
| Equity capital to assets | 9.6693% | 3,937 |
| Core capital (leverage) ratio | 9.1636% | 4,552 |
| Tier 1 risk-based capital ratio | 17.0792% | 2,076 |
| Total risk-based capital ratio | 18.3356% | 2,015 |
| Memoranda: | ||
| Average total assets | $27,780,500 | 5,339 |
| Average earning assets | $25,893,000 | 5,315 |
| Average equity | $2,736,750 | 5,370 |
| Average total loans | $15,329,500 | 5,251 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 3,795 |
| Cost of funding earning assets | 0.1626% | 5,191 |
| Net interest margin | 3.8336% | 2,436 |
| Noninterest income to average assets | 0.3254% | 4,016 |
| Noninterest expense to average assets | 3.1168% | 1,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5351% | 4,667 |
| Return on assets (ROA) | 0.5351% | 4,675 |
| Pretax return on assets | 0.7882% | 4,282 |
| Return on Equity (ROE) | 5.3982% | 4,434 |
| Retained earnings to average equity (ytd only) | 0.1459% | 4,930 |
| Net charge-offs to loans | -0.0397% | 4,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8148% | 1,032 |
| Assets per employee ($millions) | 4.2013% | 3,578 |
| Cash dividends to net income (ytd only)* | 97.2973% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8430% | 695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 51.6135% | 4,499 |
| Net loans and leases to deposits | 57.0596% | 4,693 |
| Net loans and leases to core deposits | 57.0596% | 4,828 |
| Total domestic deposits to total assets | 90.4553% | 416 |
| Equity capital to assets | 9.2897% | 4,291 |
| Core capital (leverage) ratio | 9.6242% | 3,972 |
| Tier 1 risk-based capital ratio | 17.8515% | 1,842 |
| Total risk-based capital ratio | 19.1087% | 1,804 |
| Memoranda: | ||
| Average total assets | $27,657,000 | 5,404 |
| Average earning assets | $25,824,330 | 5,381 |
| Average equity | $2,741,670 | 5,432 |
| Average total loans | $15,132,000 | 5,314 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0305% | 3,503 |
| Cost of funding earning assets | 0.1619% | 5,210 |
| Net interest margin | 3.8686% | 2,162 |
| Noninterest income to average assets | 0.3734% | 3,644 |
| Noninterest expense to average assets | 3.3158% | 1,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5078% | 4,673 |
| Return on assets (ROA) | 0.5078% | 4,680 |
| Pretax return on assets | 0.6273% | 4,622 |
| Return on Equity (ROE) | 4.9518% | 4,508 |
| Retained earnings to average equity (ytd only) | 4.9518% | 3,201 |
| Net charge-offs to loans | -0.0535% | 4,999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0909% | 790 |
| Assets per employee ($millions) | 3.8443% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 55.4552% | 4,159 |
| Net loans and leases to deposits | 62.3480% | 4,317 |
| Net loans and leases to core deposits | 62.3480% | 4,532 |
| Total domestic deposits to total assets | 88.9446% | 1,118 |
| Equity capital to assets | 10.2118% | 3,377 |
| Core capital (leverage) ratio | 10.4093% | 3,054 |
| Tier 1 risk-based capital ratio | 17.9982% | 1,839 |
| Total risk-based capital ratio | 19.2526% | 1,784 |
| Memoranda: | ||
| Average total assets | $26,781,000 | 5,472 |
| Average earning assets | $24,711,500 | 5,454 |
| Average equity | $2,746,500 | 5,490 |
| Average total loans | $14,966,000 | 5,379 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8021% | 4,046 |
| Cost of funding earning assets | 0.1102% | 5,456 |
| Net interest margin | 3.6919% | 2,824 |
| Noninterest income to average assets | 0.4245% | 3,478 |
| Noninterest expense to average assets | 3.0527% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5720% | 4,137 |
| Return on assets (ROA) | 0.5389% | 4,300 |
| Pretax return on assets | 0.7862% | 4,285 |
| Return on Equity (ROE) | 5.4441% | 3,989 |
| Retained earnings to average equity (ytd only) | 5.4441% | 1,846 |
| Net charge-offs to loans | 0.0141% | 3,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 594 |
| Efficiency ratio | 78.4425% | 1,290 |
| Assets per employee ($millions) | 3.8074% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9151% | 628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 54.1911% | 4,344 |
| Net loans and leases to deposits | 60.7564% | 4,518 |
| Net loans and leases to core deposits | 60.7564% | 4,717 |
| Total domestic deposits to total assets | 89.1941% | 908 |
| Equity capital to assets | 10.2994% | 3,388 |
| Core capital (leverage) ratio | 9.5173% | 4,021 |
| Tier 1 risk-based capital ratio | 18.5565% | 1,632 |
| Total risk-based capital ratio | 19.8141% | 1,578 |
| Memoranda: | ||
| Average total assets | $27,091,200 | 5,531 |
| Average earning assets | $25,407,200 | 5,504 |
| Average equity | $2,681,800 | 5,553 |
| Average total loans | $14,170,400 | 5,460 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 4,261 |
| Cost of funding earning assets | 0.1046% | 5,542 |
| Net interest margin | 3.6174% | 3,077 |
| Noninterest income to average assets | 0.4509% | 3,326 |
| Noninterest expense to average assets | 3.0929% | 1,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5343% | 4,639 |
| Return on assets (ROA) | 0.5343% | 4,671 |
| Pretax return on assets | 0.7500% | 4,486 |
| Return on Equity (ROE) | 5.4512% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.4512% | 2,568 |
| Net charge-offs to loans | -0.0095% | 4,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4847% | 1,049 |
| Assets per employee ($millions) | 4.1694% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0171% | 554 |
| Loan loss allowance to noncurrent loans | 3,166.6667% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 5,087 |
| Noncurrent loans to loans | 0.0637% | 4,824 |
| Net loans and leases to total assets | 47.4337% | 4,861 |
| Net loans and leases to deposits | 52.7029% | 5,017 |
| Net loans and leases to core deposits | 52.7029% | 5,116 |
| Total domestic deposits to total assets | 90.0021% | 474 |
| Equity capital to assets | 9.2921% | 4,651 |
| Core capital (leverage) ratio | 10.0496% | 3,509 |
| Tier 1 risk-based capital ratio | 19.0670% | 1,565 |
| Total risk-based capital ratio | 20.3205% | 1,527 |
| Memoranda: | ||
| Average total assets | $27,201,000 | 5,590 |
| Average earning assets | $25,505,750 | 5,566 |
| Average equity | $2,666,000 | 5,616 |
| Average total loans | $14,031,750 | 5,524 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 3,993 |
| Cost of funding earning assets | 0.1045% | 5,586 |
| Net interest margin | 3.6671% | 2,764 |
| Noninterest income to average assets | 0.5351% | 2,796 |
| Noninterest expense to average assets | 3.2932% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5426% | 4,558 |
| Return on assets (ROA) | 0.5426% | 4,595 |
| Pretax return on assets | 0.6782% | 4,607 |
| Return on Equity (ROE) | 5.4326% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.4326% | 2,455 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9222% | 927 |
| Assets per employee ($millions) | 3.7313% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0068% | 593 |
| Loan loss allowance to noncurrent loans | 2,840.0000% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 5,098 |
| Noncurrent loans to loans | 0.0707% | 4,846 |
| Net loans and leases to total assets | 53.0954% | 4,479 |
| Net loans and leases to deposits | 59.6447% | 4,658 |
| Net loans and leases to core deposits | 59.6447% | 4,835 |
| Total domestic deposits to total assets | 89.0195% | 941 |
| Equity capital to assets | 10.2837% | 3,587 |
| Core capital (leverage) ratio | 9.5436% | 4,076 |
| Tier 1 risk-based capital ratio | 18.5185% | 1,712 |
| Total risk-based capital ratio | 19.7718% | 1,671 |
| Memoranda: | ||
| Average total assets | $26,539,330 | 5,643 |
| Average earning assets | $24,869,670 | 5,620 |
| Average equity | $2,650,670 | 5,665 |
| Average total loans | $13,999,330 | 5,573 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6475% | 4,287 |
| Cost of funding earning assets | 0.0956% | 5,672 |
| Net interest margin | 3.5519% | 3,081 |
| Noninterest income to average assets | 0.7028% | 1,958 |
| Noninterest expense to average assets | 3.4094% | 1,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5533% | 4,366 |
| Return on assets (ROA) | 0.5533% | 4,412 |
| Pretax return on assets | 0.6280% | 4,667 |
| Return on Equity (ROE) | 5.6210% | 4,074 |
| Retained earnings to average equity (ytd only) | 5.6210% | 2,532 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4444% | 934 |
| Assets per employee ($millions) | 3.9580% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0560% | 602 |
| Loan loss allowance to noncurrent loans | 2,581.8182% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 5,149 |
| Noncurrent loans to loans | 0.0796% | 4,879 |
| Net loans and leases to total assets | 48.8306% | 4,762 |
| Net loans and leases to deposits | 54.3072% | 4,915 |
| Net loans and leases to core deposits | 54.3072% | 5,049 |
| Total domestic deposits to total assets | 89.9155% | 701 |
| Equity capital to assets | 9.5575% | 4,224 |
| Core capital (leverage) ratio | 9.6651% | 3,908 |
| Tier 1 risk-based capital ratio | 18.5668% | 1,726 |
| Total risk-based capital ratio | 19.8264% | 1,683 |
| Memoranda: | ||
| Average total assets | $26,749,500 | 5,708 |
| Average earning assets | $25,113,000 | 5,681 |
| Average equity | $2,633,000 | 5,729 |
| Average total loans | $13,923,000 | 5,639 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 3,522 |
| Cost of funding earning assets | 0.0922% | 5,736 |
| Net interest margin | 3.8223% | 2,239 |
| Noninterest income to average assets | 0.7569% | 1,933 |
| Noninterest expense to average assets | 3.4225% | 1,305 |
| Loan and lease loss provision to assets | 0.1628% | 1,518 |
| Net operating income to assets | 0.6959% | 3,800 |
| Return on assets (ROA) | 0.6959% | 3,910 |
| Pretax return on assets | 0.7162% | 4,439 |
| Return on Equity (ROE) | 6.6553% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.6553% | 1,382 |
| Net charge-offs to loans | 0.0149% | 3,796 |
| Credit loss provision to net charge-offs | 2,000.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 558 |
| Efficiency ratio | 79.4702% | 1,484 |
| Assets per employee ($millions) | 3.6847% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0238% | 626 |
| Loan loss allowance to noncurrent loans | 556.8627% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 4,528 |
| Noncurrent loans to loans | 0.3634% | 3,822 |
| Net loans and leases to total assets | 53.3052% | 4,500 |
| Net loans and leases to deposits | 59.5221% | 4,708 |
| Net loans and leases to core deposits | 59.5221% | 4,884 |
| Total domestic deposits to total assets | 89.5553% | 840 |
| Equity capital to assets | 10.1500% | 3,550 |
| Core capital (leverage) ratio | 9.3726% | 4,257 |
| Tier 1 risk-based capital ratio | 17.7248% | 1,934 |
| Total risk-based capital ratio | 18.9850% | 1,894 |
| Memoranda: | ||
| Average total assets | $24,572,800 | 5,779 |
| Average earning assets | $22,787,600 | 5,762 |
| Average equity | $2,569,400 | 5,796 |
| Average total loans | $13,407,000 | 5,701 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 3,555 |
| Cost of funding earning assets | 0.0891% | 5,812 |
| Net interest margin | 3.8198% | 2,264 |
| Noninterest income to average assets | 0.8956% | 1,420 |
| Noninterest expense to average assets | 3.4943% | 1,159 |
| Loan and lease loss provision to assets | 0.2198% | 945 |
| Net operating income to assets | 0.7142% | 3,769 |
| Return on assets (ROA) | 0.7142% | 3,910 |
| Pretax return on assets | 0.7142% | 4,572 |
| Return on Equity (ROE) | 6.7780% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.7780% | 1,736 |
| Net charge-offs to loans | 0.0202% | 3,294 |
| Credit loss provision to net charge-offs | 2,000.0000% | 231 |
| Earnings coverage of net charge-offs (x) | 84.8914% | 737 |
| Efficiency ratio | 78.9082% | 1,568 |
| Assets per employee ($millions) | 3.8046% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9515% | 782 |
| Loan loss allowance to noncurrent loans | 535.8491% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 4,636 |
| Noncurrent loans to loans | 0.3642% | 3,952 |
| Net loans and leases to total assets | 53.5784% | 4,531 |
| Net loans and leases to deposits | 59.7730% | 4,776 |
| Net loans and leases to core deposits | 59.7730% | 4,941 |
| Total domestic deposits to total assets | 89.6365% | 609 |
| Equity capital to assets | 9.9016% | 4,238 |
| Core capital (leverage) ratio | 9.5785% | 4,085 |
| Tier 1 risk-based capital ratio | 17.5283% | 2,065 |
| Total risk-based capital ratio | 18.7901% | 2,027 |
| Memoranda: | ||
| Average total assets | $24,267,750 | 5,845 |
| Average earning assets | $22,443,750 | 5,832 |
| Average equity | $2,557,250 | 5,860 |
| Average total loans | $13,250,500 | 5,768 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 3,269 |
| Cost of funding earning assets | 0.0928% | 5,879 |
| Net interest margin | 3.8992% | 1,981 |
| Noninterest income to average assets | 0.4089% | 3,809 |
| Noninterest expense to average assets | 3.4413% | 1,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5452% | 4,501 |
| Return on assets (ROA) | 0.5452% | 4,611 |
| Pretax return on assets | 0.5452% | 5,037 |
| Return on Equity (ROE) | 5.0579% | 4,488 |
| Retained earnings to average equity (ytd only) | 5.0579% | 2,696 |
| Net charge-offs to loans | 0.0468% | 2,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 21.3333% | 1,686 |
| Efficiency ratio | 86.3248% | 852 |
| Assets per employee ($millions) | 3.3989% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7650% | 1,148 |
| Loan loss allowance to noncurrent loans | 303.7500% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5758% | 3,297 |
| Noncurrent loans to loans | 0.5811% | 3,323 |
| Net loans and leases to total assets | 56.8468% | 4,220 |
| Net loans and leases to deposits | 64.0055% | 4,488 |
| Net loans and leases to core deposits | 64.0055% | 4,747 |
| Total domestic deposits to total assets | 88.8156% | 1,003 |
| Equity capital to assets | 10.8440% | 3,240 |
| Core capital (leverage) ratio | 10.1819% | 3,349 |
| Tier 1 risk-based capital ratio | 18.0765% | 1,912 |
| Total risk-based capital ratio | 19.3353% | 1,877 |
| Memoranda: | ||
| Average total assets | $23,479,670 | 5,931 |
| Average earning assets | $21,543,000 | 5,913 |
| Average equity | $2,530,670 | 5,934 |
| Average total loans | $12,816,330 | 5,845 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 3,635 |
| Cost of funding earning assets | 0.0934% | 5,938 |
| Net interest margin | 3.7931% | 2,312 |
| Noninterest income to average assets | 0.4631% | 3,396 |
| Noninterest expense to average assets | 3.4129% | 1,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5317% | 4,494 |
| Return on assets (ROA) | 0.5317% | 4,604 |
| Pretax return on assets | 0.5317% | 5,004 |
| Return on Equity (ROE) | 4.9481% | 4,510 |
| Retained earnings to average equity (ytd only) | 4.9481% | 2,979 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5217% | 928 |
| Assets per employee ($millions) | 3.4050% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9716% | 855 |
| Loan loss allowance to noncurrent loans | 286.0465% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 3,230 |
| Noncurrent loans to loans | 0.6893% | 3,121 |
| Net loans and leases to total assets | 51.3153% | 4,703 |
| Net loans and leases to deposits | 57.5170% | 4,884 |
| Net loans and leases to core deposits | 57.5170% | 5,072 |
| Total domestic deposits to total assets | 89.2175% | 991 |
| Equity capital to assets | 10.5853% | 3,388 |
| Core capital (leverage) ratio | 9.9328% | 3,623 |
| Tier 1 risk-based capital ratio | 17.8092% | 2,037 |
| Total risk-based capital ratio | 19.0648% | 1,997 |
| Memoranda: | ||
| Average total assets | $23,323,500 | 5,994 |
| Average earning assets | $21,407,500 | 5,977 |
| Average equity | $2,506,000 | 5,992 |
| Average total loans | $12,340,500 | 5,911 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 4,534 |
| Cost of funding earning assets | 0.0869% | 6,010 |
| Net interest margin | 3.5601% | 3,281 |
| Noninterest income to average assets | 0.2967% | 4,759 |
| Noninterest expense to average assets | 3.3833% | 1,523 |
| Loan and lease loss provision to assets | 0.4986% | 225 |
| Net operating income to assets | -0.3791% | 6,013 |
| Return on assets (ROA) | -0.3791% | 6,024 |
| Pretax return on assets | -0.3791% | 6,009 |
| Return on Equity (ROE) | -4.0773% | 6,032 |
| Retained earnings to average equity (ytd only) | -4.0773% | 5,877 |
| Net charge-offs to loans | 0.8993% | 231 |
| Credit loss provision to net charge-offs | 116.3462% | 2,199 |
| Earnings coverage of net charge-offs (x) | 0.2788% | 4,241 |
| Efficiency ratio | 96.4706% | 382 |
| Assets per employee ($millions) | 3.2589% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0157% | 782 |
| Loan loss allowance to noncurrent loans | 273.3333% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 3,059 |
| Noncurrent loans to loans | 0.7375% | 2,964 |
| Net loans and leases to total assets | 52.4198% | 4,656 |
| Net loans and leases to deposits | 58.9849% | 4,846 |
| Net loans and leases to core deposits | 58.9849% | 5,045 |
| Total domestic deposits to total assets | 88.8699% | 1,196 |
| Equity capital to assets | 10.9109% | 2,919 |
| Core capital (leverage) ratio | 9.4911% | 4,181 |
| Tier 1 risk-based capital ratio | 17.2670% | 2,193 |
| Total risk-based capital ratio | 18.5222% | 2,145 |
| Memoranda: | ||
| Average total assets | $24,266,400 | 6,039 |
| Average earning assets | $21,853,600 | 6,032 |
| Average equity | $2,256,400 | 6,071 |
| Average total loans | $11,564,200 | 5,979 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5440% | 4,878 |
| Cost of funding earning assets | 0.0844% | 6,108 |
| Net interest margin | 3.4596% | 3,722 |
| Noninterest income to average assets | 0.1137% | 5,901 |
| Noninterest expense to average assets | 3.3184% | 1,650 |
| Loan and lease loss provision to assets | 0.6550% | 127 |
| Net operating income to assets | -0.7525% | 6,171 |
| Return on assets (ROA) | -0.7525% | 6,171 |
| Pretax return on assets | -0.7525% | 6,162 |
| Return on Equity (ROE) | -8.4308% | 6,167 |
| Retained earnings to average equity (ytd only) | -8.4308% | 6,099 |
| Net charge-offs to loans | 1.0990% | 164 |
| Credit loss provision to net charge-offs | 128.7234% | 1,890 |
| Earnings coverage of net charge-offs (x) | -0.1915% | 4,008 |
| Efficiency ratio | 102.8571% | 235 |
| Assets per employee ($millions) | 3.4163% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0107% | 903 |
| Loan loss allowance to noncurrent loans | 209.8361% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.7694% | 2,972 |
| Noncurrent loans to loans | 0.9582% | 2,587 |
| Net loans and leases to total assets | 52.1703% | 4,738 |
| Net loans and leases to deposits | 58.2746% | 4,979 |
| Net loans and leases to core deposits | 58.2746% | 5,171 |
| Total domestic deposits to total assets | 89.5250% | 761 |
| Equity capital to assets | 10.3872% | 3,722 |
| Core capital (leverage) ratio | 10.1710% | 3,415 |
| Tier 1 risk-based capital ratio | 16.2805% | 2,681 |
| Total risk-based capital ratio | 17.5339% | 2,629 |
| Memoranda: | ||
| Average total assets | $24,630,000 | 6,118 |
| Average earning assets | $22,121,500 | 6,114 |
| Average equity | $2,198,250 | 6,160 |
| Average total loans | $11,404,250 | 6,061 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4307% | 5,162 |
| Cost of funding earning assets | 0.0808% | 6,195 |
| Net interest margin | 3.3498% | 4,109 |
| Noninterest income to average assets | -0.0161% | 6,280 |
| Noninterest expense to average assets | 3.3375% | 1,606 |
| Loan and lease loss provision to assets | 0.9731% | 74 |
| Net operating income to assets | -1.3270% | 6,282 |
| Return on assets (ROA) | -1.3270% | 6,281 |
| Pretax return on assets | -1.3270% | 6,275 |
| Return on Equity (ROE) | -15.6919% | 6,280 |
| Retained earnings to average equity (ytd only) | -15.6919% | 6,237 |
| Net charge-offs to loans | -0.0365% | 5,411 |
| Credit loss provision to net charge-offs | -6,050.0000% | 5,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8598% | 156 |
| Assets per employee ($millions) | 2.7274% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8120% | 331 |
| Loan loss allowance to noncurrent loans | 308.7719% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 2,948 |
| Noncurrent loans to loans | 0.9107% | 2,848 |
| Net loans and leases to total assets | 55.7587% | 4,365 |
| Net loans and leases to deposits | 62.9450% | 4,626 |
| Net loans and leases to core deposits | 62.9450% | 4,881 |
| Total domestic deposits to total assets | 88.5833% | 1,367 |
| Equity capital to assets | 11.3204% | 2,560 |
| Core capital (leverage) ratio | 9.5887% | 4,150 |
| Tier 1 risk-based capital ratio | 16.6027% | 2,565 |
| Total risk-based capital ratio | 17.8664% | 2,509 |
| Memoranda: | ||
| Average total assets | $24,868,670 | 6,192 |
| Average earning assets | $22,269,670 | 6,182 |
| Average equity | $2,103,000 | 6,247 |
| Average total loans | $10,961,670 | 6,139 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0869% | 5,796 |
| Cost of funding earning assets | 0.0686% | 6,297 |
| Net interest margin | 3.0184% | 5,160 |
| Noninterest income to average assets | 0.3031% | 4,758 |
| Noninterest expense to average assets | 3.1371% | 2,167 |
| Loan and lease loss provision to assets | 0.2879% | 515 |
| Net operating income to assets | -0.4547% | 6,229 |
| Return on assets (ROA) | -0.4547% | 6,243 |
| Pretax return on assets | -0.4547% | 6,232 |
| Return on Equity (ROE) | -6.2516% | 6,282 |
| Retained earnings to average equity (ytd only) | -6.2516% | 6,004 |
| Net charge-offs to loans | -0.0393% | 5,398 |
| Credit loss provision to net charge-offs | -1,900.0000% | 5,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6122% | 243 |
| Assets per employee ($millions) | 3.2111% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2505% | 750 |
| Loan loss allowance to noncurrent loans | 209.2437% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.8853% | 2,863 |
| Noncurrent loans to loans | 1.0756% | 2,610 |
| Net loans and leases to total assets | 48.1137% | 5,020 |
| Net loans and leases to deposits | 52.6098% | 5,297 |
| Net loans and leases to core deposits | 52.6098% | 5,446 |
| Total domestic deposits to total assets | 91.4539% | 239 |
| Equity capital to assets | 8.5061% | 5,737 |
| Core capital (leverage) ratio | 6.5966% | 6,283 |
| Tier 1 risk-based capital ratio | 14.0272% | 3,987 |
| Total risk-based capital ratio | 15.2799% | 3,911 |
| Memoranda: | ||
| Average total assets | $26,393,500 | 6,232 |
| Average earning assets | $23,324,000 | 6,224 |
| Average equity | $1,919,500 | 6,327 |
| Average total loans | $10,183,500 | 6,228 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 5,155 |
| Cost of funding earning assets | 0.1015% | 6,321 |
| Net interest margin | 3.4721% | 3,889 |
| Noninterest income to average assets | 0.5782% | 2,998 |
| Noninterest expense to average assets | 3.5168% | 1,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0129% | 6,074 |
| Return on assets (ROA) | 0.0129% | 6,096 |
| Pretax return on assets | 0.0129% | 6,080 |
| Return on Equity (ROE) | 0.1587% | 6,092 |
| Retained earnings to average equity (ytd only) | 0.1587% | 5,704 |
| Net charge-offs to loans | 0.1713% | 2,320 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.2143% | 4,680 |
| Efficiency ratio | 99.6333% | 374 |
| Assets per employee ($millions) | 4.3299% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4616% | 582 |
| Loan loss allowance to noncurrent loans | 184.6774% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 3,412 |
| Noncurrent loans to loans | 1.3329% | 2,206 |
| Net loans and leases to total assets | 29.9383% | 6,181 |
| Net loans and leases to deposits | 31.9732% | 6,261 |
| Net loans and leases to core deposits | 31.9732% | 6,278 |
| Total domestic deposits to total assets | 93.6356% | 45 |
| Equity capital to assets | 6.3578% | 6,388 |
| Core capital (leverage) ratio | 7.1551% | 6,285 |
| Tier 1 risk-based capital ratio | 12.6102% | 4,969 |
| Total risk-based capital ratio | 13.8656% | 4,879 |
| Memoranda: | ||
| Average total assets | $23,174,600 | 6,371 |
| Average earning assets | $19,699,800 | 6,373 |
| Average equity | $1,890,400 | 6,418 |
| Average total loans | $8,174,400 | 6,364 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8393% | 4,407 |
| Cost of funding earning assets | 0.1095% | 6,381 |
| Net interest margin | 3.7298% | 2,906 |
| Noninterest income to average assets | 0.7230% | 2,213 |
| Noninterest expense to average assets | 3.7024% | 1,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2057% | 5,840 |
| Return on assets (ROA) | 0.2057% | 5,891 |
| Pretax return on assets | 0.2057% | 5,942 |
| Return on Equity (ROE) | 2.3389% | 5,750 |
| Retained earnings to average equity (ytd only) | 2.3389% | 4,881 |
| Net charge-offs to loans | 0.2534% | 1,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.2000% | 3,969 |
| Efficiency ratio | 94.7368% | 557 |
| Assets per employee ($millions) | 3.0697% | 5,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0658% | 335 |
| Loan loss allowance to noncurrent loans | 256.1798% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.9168% | 3,146 |
| Noncurrent loans to loans | 1.1967% | 2,657 |
| Net loans and leases to total assets | 33.5490% | 6,133 |
| Net loans and leases to deposits | 36.9332% | 6,215 |
| Net loans and leases to core deposits | 36.9332% | 6,263 |
| Total domestic deposits to total assets | 90.8367% | 409 |
| Equity capital to assets | 9.1493% | 5,213 |
| Core capital (leverage) ratio | 8.4586% | 5,701 |
| Tier 1 risk-based capital ratio | 17.0964% | 2,579 |
| Total risk-based capital ratio | 17.9499% | 2,681 |
| Memoranda: | ||
| Average total assets | $21,391,000 | 6,468 |
| Average earning assets | $18,266,750 | 6,469 |
| Average equity | $1,881,250 | 6,495 |
| Average total loans | $7,892,250 | 6,448 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3836% | 2,240 |
| Cost of funding earning assets | 0.1124% | 6,439 |
| Net interest margin | 4.2712% | 1,090 |
| Noninterest income to average assets | 0.8708% | 1,591 |
| Noninterest expense to average assets | 3.4553% | 1,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9738% | 2,439 |
| Return on assets (ROA) | 0.9738% | 2,523 |
| Pretax return on assets | 0.9738% | 3,597 |
| Return on Equity (ROE) | 11.2250% | 1,655 |
| Retained earnings to average equity (ytd only) | 11.2250% | 507 |
| Net charge-offs to loans | 0.4973% | 814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,968 |
| Efficiency ratio | 78.0127% | 2,288 |
| Assets per employee ($millions) | 3.3478% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8660% | 448 |
| Loan loss allowance to noncurrent loans | 1,238.8889% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 4,091 |
| Noncurrent loans to loans | 0.2313% | 5,305 |
| Net loans and leases to total assets | 37.6263% | 5,977 |
| Net loans and leases to deposits | 42.1012% | 6,064 |
| Net loans and leases to core deposits | 42.1012% | 6,147 |
| Total domestic deposits to total assets | 89.3712% | 1,177 |
| Equity capital to assets | 9.9965% | 4,111 |
| Core capital (leverage) ratio | 7.9872% | 6,108 |
| Tier 1 risk-based capital ratio | 17.3341% | 2,483 |
| Total risk-based capital ratio | 18.2209% | 2,590 |
| Memoranda: | ||
| Average total assets | $21,358,670 | 6,533 |
| Average earning assets | $17,793,670 | 6,543 |
| Average equity | $1,853,000 | 6,558 |
| Average total loans | $8,044,000 | 6,505 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 4,573 |
| Cost of funding earning assets | 0.1374% | 6,414 |
| Net interest margin | 3.6405% | 3,098 |
| Noninterest income to average assets | 0.6911% | 2,218 |
| Noninterest expense to average assets | 3.3827% | 1,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2001% | 5,800 |
| Return on assets (ROA) | 0.2182% | 5,803 |
| Pretax return on assets | 0.2182% | 5,892 |
| Return on Equity (ROE) | 2.7035% | 5,560 |
| Retained earnings to average equity (ytd only) | 2.7035% | 4,462 |
| Net charge-offs to loans | 1.1253% | 301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.4783% | 3,336 |
| Efficiency ratio | 94.4162% | 727 |
| Assets per employee ($millions) | 3.1247% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4221% | 887 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 4,514 |
| Noncurrent loans to loans | 0.1211% | 5,753 |
| Net loans and leases to total assets | 40.5203% | 5,770 |
| Net loans and leases to deposits | 44.4483% | 5,952 |
| Net loans and leases to core deposits | 44.4483% | 6,054 |
| Total domestic deposits to total assets | 91.1626% | 505 |
| Equity capital to assets | 8.8237% | 5,304 |
| Core capital (leverage) ratio | 8.2073% | 5,938 |
| Tier 1 risk-based capital ratio | 14.6872% | 3,893 |
| Total risk-based capital ratio | 15.9480% | 3,842 |
| Memoranda: | ||
| Average total assets | $21,994,500 | 6,596 |
| Average earning assets | $17,470,000 | 6,619 |
| Average equity | $1,775,500 | 6,629 |
| Average total loans | $8,175,500 | 6,569 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4945% | 5,658 |
| Cost of funding earning assets | 0.1745% | 6,421 |
| Net interest margin | 3.3201% | 4,589 |
| Noninterest income to average assets | 0.4255% | 4,264 |
| Noninterest expense to average assets | 3.3371% | 2,032 |
| Loan and lease loss provision to assets | -0.0314% | 6,330 |
| Net operating income to assets | -0.0672% | 6,268 |
| Return on assets (ROA) | -0.2419% | 6,403 |
| Pretax return on assets | -0.2419% | 6,384 |
| Return on Equity (ROE) | -3.1308% | 6,435 |
| Retained earnings to average equity (ytd only) | -3.1308% | 6,275 |
| Net charge-offs to loans | 0.0547% | 4,464 |
| Credit loss provision to net charge-offs | -175.0000% | 5,973 |
| Earnings coverage of net charge-offs (x) | -5.5000% | 5,401 |
| Efficiency ratio | 103.0429% | 397 |
| Assets per employee ($millions) | 3.1594% | 5,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3434% | 329 |
| Loan loss allowance to noncurrent loans | 495.9184% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.7099% | 4,120 |
| Noncurrent loans to loans | 0.6742% | 4,289 |
| Net loans and leases to total assets | 31.7643% | 6,398 |
| Net loans and leases to deposits | 34.2817% | 6,481 |
| Net loans and leases to core deposits | 34.2817% | 6,513 |
| Total domestic deposits to total assets | 92.6569% | 170 |
| Equity capital to assets | 7.3295% | 6,355 |
| Core capital (leverage) ratio | 6.2051% | 6,631 |
| Tier 1 risk-based capital ratio | 11.5022% | 5,903 |
| Total risk-based capital ratio | 12.7578% | 5,845 |
| Memoranda: | ||
| Average total assets | $22,324,800 | 6,671 |
| Average earning assets | $18,915,200 | 6,673 |
| Average equity | $1,724,800 | 6,730 |
| Average total loans | $7,309,800 | 6,673 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4244% | 5,832 |
| Cost of funding earning assets | 0.1864% | 6,470 |
| Net interest margin | 3.2380% | 4,864 |
| Noninterest income to average assets | 0.4707% | 3,995 |
| Noninterest expense to average assets | 3.3426% | 1,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0774% | 6,364 |
| Return on assets (ROA) | -0.3098% | 6,541 |
| Pretax return on assets | -0.3098% | 6,521 |
| Return on Equity (ROE) | -3.9600% | 6,570 |
| Retained earnings to average equity (ytd only) | -3.9600% | 6,439 |
| Net charge-offs to loans | 0.1639% | 2,918 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.4442% | 5,038 |
| Efficiency ratio | 102.3723% | 394 |
| Assets per employee ($millions) | 3.0886% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1060% | 493 |
| Loan loss allowance to noncurrent loans | 490.0000% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.6394% | 4,523 |
| Noncurrent loans to loans | 0.6339% | 4,611 |
| Net loans and leases to total assets | 30.9320% | 6,495 |
| Net loans and leases to deposits | 33.1655% | 6,586 |
| Net loans and leases to core deposits | 33.1655% | 6,624 |
| Total domestic deposits to total assets | 93.2656% | 109 |
| Equity capital to assets | 6.7182% | 6,610 |
| Core capital (leverage) ratio | 6.5614% | 6,658 |
| Tier 1 risk-based capital ratio | 10.8882% | 6,330 |
| Total risk-based capital ratio | 12.1432% | 6,289 |
| Memoranda: | ||
| Average total assets | $22,377,000 | 6,746 |
| Average earning assets | $19,311,750 | 6,744 |
| Average equity | $1,750,750 | 6,805 |
| Average total loans | $7,320,250 | 6,748 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4628% | 5,763 |
| Cost of funding earning assets | 0.1918% | 6,514 |
| Net interest margin | 3.2711% | 4,685 |
| Noninterest income to average assets | 0.4537% | 4,138 |
| Noninterest expense to average assets | 3.4815% | 1,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1852% | 6,486 |
| Return on assets (ROA) | -0.2315% | 6,540 |
| Pretax return on assets | -0.2315% | 6,513 |
| Return on Equity (ROE) | -2.8074% | 6,567 |
| Retained earnings to average equity (ytd only) | -2.8074% | 6,283 |
| Net charge-offs to loans | 0.2524% | 2,213 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -2.2222% | 4,777 |
| Efficiency ratio | 105.6180% | 354 |
| Assets per employee ($millions) | 2.6084% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1984% | 482 |
| Loan loss allowance to noncurrent loans | 422.4138% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7955% | 4,235 |
| Noncurrent loans to loans | 0.7572% | 4,407 |
| Net loans and leases to total assets | 35.5346% | 6,326 |
| Net loans and leases to deposits | 38.6923% | 6,459 |
| Net loans and leases to core deposits | 38.6923% | 6,516 |
| Total domestic deposits to total assets | 91.8388% | 279 |
| Equity capital to assets | 8.1468% | 6,099 |
| Core capital (leverage) ratio | 6.6892% | 6,674 |
| Tier 1 risk-based capital ratio | 10.6554% | 6,459 |
| Total risk-based capital ratio | 11.9109% | 6,429 |
| Memoranda: | ||
| Average total assets | $21,599,670 | 6,805 |
| Average earning assets | $18,770,670 | 6,796 |
| Average equity | $1,781,000 | 6,848 |
| Average total loans | $7,131,000 | 6,802 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3589% | 6,031 |
| Cost of funding earning assets | 0.1901% | 6,624 |
| Net interest margin | 3.1687% | 5,034 |
| Noninterest income to average assets | 0.4735% | 3,968 |
| Noninterest expense to average assets | 3.3506% | 1,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1457% | 6,483 |
| Return on assets (ROA) | -0.1457% | 6,526 |
| Pretax return on assets | -0.1457% | 6,517 |
| Return on Equity (ROE) | -1.7568% | 6,547 |
| Retained earnings to average equity (ytd only) | -1.7568% | 6,051 |
| Net charge-offs to loans | -0.2330% | 6,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5455% | 428 |
| Assets per employee ($millions) | 2.5367% | 6,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9717% | 294 |
| Loan loss allowance to noncurrent loans | 505.8824% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.6965% | 4,633 |
| Noncurrent loans to loans | 0.7851% | 4,549 |
| Net loans and leases to total assets | 27.3237% | 6,690 |
| Net loans and leases to deposits | 29.6187% | 6,755 |
| Net loans and leases to core deposits | 29.6187% | 6,772 |
| Total domestic deposits to total assets | 92.2514% | 206 |
| Equity capital to assets | 7.7311% | 6,511 |
| Core capital (leverage) ratio | 6.8737% | 6,679 |
| Tier 1 risk-based capital ratio | 11.1839% | 6,323 |
| Total risk-based capital ratio | 12.4403% | 6,299 |
| Memoranda: | ||
| Average total assets | $21,966,000 | 6,876 |
| Average earning assets | $18,935,000 | 6,869 |
| Average equity | $1,821,500 | 6,910 |
| Average total loans | $6,866,500 | 6,885 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 5,741 |
| Cost of funding earning assets | 0.2654% | 6,607 |
| Net interest margin | 3.5723% | 4,220 |
| Noninterest income to average assets | 0.3982% | 4,622 |
| Noninterest expense to average assets | 3.2761% | 2,406 |
| Loan and lease loss provision to assets | -0.0679% | 6,888 |
| Net operating income to assets | 0.1131% | 5,989 |
| Return on assets (ROA) | 0.1177% | 6,116 |
| Pretax return on assets | 0.1177% | 6,128 |
| Return on Equity (ROE) | 1.4448% | 6,031 |
| Retained earnings to average equity (ytd only) | 1.4448% | 5,150 |
| Net charge-offs to loans | -0.6690% | 7,018 |
| Credit loss provision to net charge-offs | 30.0000% | 5,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6376% | 605 |
| Assets per employee ($millions) | 2.6378% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5097% | 423 |
| Loan loss allowance to noncurrent loans | 488.4615% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.7582% | 4,576 |
| Noncurrent loans to loans | 0.7185% | 4,744 |
| Net loans and leases to total assets | 33.0917% | 6,588 |
| Net loans and leases to deposits | 36.3319% | 6,675 |
| Net loans and leases to core deposits | 36.3319% | 6,722 |
| Total domestic deposits to total assets | 91.0814% | 471 |
| Equity capital to assets | 8.8996% | 5,636 |
| Core capital (leverage) ratio | 7.7884% | 6,345 |
| Tier 1 risk-based capital ratio | 11.9587% | 5,817 |
| Total risk-based capital ratio | 13.1357% | 5,811 |
| Memoranda: | ||
| Average total assets | $22,099,200 | 6,928 |
| Average earning assets | $18,083,800 | 6,934 |
| Average equity | $1,799,600 | 6,982 |
| Average total loans | $7,474,400 | 6,937 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 5,890 |
| Cost of funding earning assets | 0.2900% | 6,657 |
| Net interest margin | 3.5693% | 4,360 |
| Noninterest income to average assets | 0.4057% | 4,595 |
| Noninterest expense to average assets | 3.2693% | 2,358 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0000% | 6,279 |
| Return on assets (ROA) | 0.0060% | 6,396 |
| Pretax return on assets | 0.0060% | 6,385 |
| Return on Equity (ROE) | 0.0747% | 6,395 |
| Retained earnings to average equity (ytd only) | 0.0747% | 6,050 |
| Net charge-offs to loans | -0.8319% | 7,116 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 533 |
| Assets per employee ($millions) | 2.9230% | 6,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4305% | 494 |
| Loan loss allowance to noncurrent loans | 511.5385% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.6842% | 4,978 |
| Noncurrent loans to loans | 0.6706% | 5,103 |
| Net loans and leases to total assets | 32.0219% | 6,740 |
| Net loans and leases to deposits | 34.8409% | 6,844 |
| Net loans and leases to core deposits | 34.8409% | 6,882 |
| Total domestic deposits to total assets | 91.9090% | 219 |
| Equity capital to assets | 7.9028% | 6,637 |
| Core capital (leverage) ratio | 6.9291% | 6,812 |
| Tier 1 risk-based capital ratio | 11.0295% | 6,466 |
| Total risk-based capital ratio | 12.2882% | 6,439 |
| Memoranda: | ||
| Average total assets | $22,348,500 | 7,012 |
| Average earning assets | $17,930,250 | 7,032 |
| Average equity | $1,780,000 | 7,080 |
| Average total loans | $7,533,750 | 7,026 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 6,055 |
| Cost of funding earning assets | 0.3030% | 6,729 |
| Net interest margin | 3.5347% | 4,532 |
| Noninterest income to average assets | 0.3727% | 4,857 |
| Noninterest expense to average assets | 3.2631% | 2,403 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0273% | 6,355 |
| Return on assets (ROA) | -0.0273% | 6,476 |
| Pretax return on assets | -0.0273% | 6,469 |
| Return on Equity (ROE) | -0.3414% | 6,485 |
| Retained earnings to average equity (ytd only) | -0.3414% | 6,092 |
| Net charge-offs to loans | -1.2332% | 7,184 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8427% | 531 |
| Assets per employee ($millions) | 2.8229% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4313% | 522 |
| Loan loss allowance to noncurrent loans | 6,625.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.4959% | 5,515 |
| Noncurrent loans to loans | 0.0518% | 6,547 |
| Net loans and leases to total assets | 33.0248% | 6,769 |
| Net loans and leases to deposits | 35.9179% | 6,877 |
| Net loans and leases to core deposits | 35.9179% | 6,915 |
| Total domestic deposits to total assets | 91.9453% | 234 |
| Equity capital to assets | 7.8378% | 6,658 |
| Core capital (leverage) ratio | 6.9658% | 6,831 |
| Tier 1 risk-based capital ratio | 12.2165% | 5,780 |
| Total risk-based capital ratio | 13.4790% | 5,755 |
| Memoranda: | ||
| Average total assets | $22,003,330 | 7,076 |
| Average earning assets | $17,823,330 | 7,095 |
| Average equity | $1,757,330 | 7,136 |
| Average total loans | $7,460,330 | 7,087 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 6,035 |
| Cost of funding earning assets | 0.3393% | 6,682 |
| Net interest margin | 3.5509% | 4,483 |
| Noninterest income to average assets | 0.3684% | 4,926 |
| Noninterest expense to average assets | 3.3528% | 2,137 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0921% | 6,529 |
| Return on assets (ROA) | -0.0737% | 6,597 |
| Pretax return on assets | -0.0737% | 6,583 |
| Return on Equity (ROE) | -0.9138% | 6,617 |
| Retained earnings to average equity (ytd only) | -0.9138% | 6,141 |
| Net charge-offs to loans | 0.0546% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -5.0000% | 4,663 |
| Efficiency ratio | 102.8249% | 475 |
| Assets per employee ($millions) | 2.7035% | 6,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9404% | 883 |
| Loan loss allowance to noncurrent loans | 5,450.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 5,568 |
| Noncurrent loans to loans | 0.0540% | 6,620 |
| Net loans and leases to total assets | 33.2717% | 6,771 |
| Net loans and leases to deposits | 36.2282% | 6,883 |
| Net loans and leases to core deposits | 36.6900% | 6,919 |
| Total domestic deposits to total assets | 91.8393% | 301 |
| Equity capital to assets | 8.1376% | 6,424 |
| Core capital (leverage) ratio | 6.9233% | 6,872 |
| Tier 1 risk-based capital ratio | 12.7658% | 5,393 |
| Total risk-based capital ratio | 14.0226% | 5,364 |
| Memoranda: | ||
| Average total assets | $21,713,500 | 7,142 |
| Average earning assets | $17,685,500 | 7,155 |
| Average equity | $1,751,000 | 7,191 |
| Average total loans | $7,329,000 | 7,153 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2125% | 6,019 |
| Cost of funding earning assets | 0.5094% | 6,490 |
| Net interest margin | 3.7031% | 4,286 |
| Noninterest income to average assets | 0.4477% | 4,235 |
| Noninterest expense to average assets | 3.7265% | 1,488 |
| Loan and lease loss provision to assets | 0.3964% | 2,616 |
| Net operating income to assets | -0.6576% | 6,580 |
| Return on assets (ROA) | -0.6110% | 6,601 |
| Pretax return on assets | -0.6110% | 6,557 |
| Return on Equity (ROE) | -7.4347% | 6,655 |
| Retained earnings to average equity (ytd only) | -7.4347% | 6,598 |
| Net charge-offs to loans | 0.6801% | 2,457 |
| Credit loss provision to net charge-offs | 151.7857% | 1,851 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 6,194 |
| Efficiency ratio | 107.5370% | 485 |
| Assets per employee ($millions) | 2.7249% | 6,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0370% | 786 |
| Loan loss allowance to noncurrent loans | 1,157.8947% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 5,513 |
| Noncurrent loans to loans | 0.2623% | 6,201 |
| Net loans and leases to total assets | 32.2217% | 6,937 |
| Net loans and leases to deposits | 35.0342% | 7,024 |
| Net loans and leases to core deposits | 35.0342% | 7,056 |
| Total domestic deposits to total assets | 91.9721% | 242 |
| Equity capital to assets | 7.9912% | 6,580 |
| Core capital (leverage) ratio | 7.1303% | 6,819 |
| Tier 1 risk-based capital ratio | 14.6595% | 3,861 |
| Total risk-based capital ratio | 15.9181% | 3,837 |
| Memoranda: | ||
| Average total assets | $21,441,200 | 7,171 |
| Average earning assets | $17,471,800 | 7,191 |
| Average equity | $1,762,000 | 7,244 |
| Average total loans | $8,234,200 | 7,173 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2682% | 6,034 |
| Cost of funding earning assets | 0.5421% | 6,541 |
| Net interest margin | 3.7261% | 4,219 |
| Noninterest income to average assets | 0.4558% | 4,253 |
| Noninterest expense to average assets | 3.5968% | 1,718 |
| Loan and lease loss provision to assets | 0.5308% | 1,864 |
| Net operating income to assets | -0.6244% | 6,711 |
| Return on assets (ROA) | -0.6494% | 6,763 |
| Pretax return on assets | -0.6494% | 6,705 |
| Return on Equity (ROE) | -7.8472% | 6,807 |
| Retained earnings to average equity (ytd only) | -7.8472% | 6,758 |
| Net charge-offs to loans | 0.8960% | 1,786 |
| Credit loss provision to net charge-offs | 149.1228% | 2,109 |
| Earnings coverage of net charge-offs (x) | -0.2632% | 5,748 |
| Efficiency ratio | 102.6738% | 590 |
| Assets per employee ($millions) | 2.8569% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5999% | 1,264 |
| Loan loss allowance to noncurrent loans | 947.8261% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 5,571 |
| Noncurrent loans to loans | 0.2743% | 6,320 |
| Net loans and leases to total assets | 35.7340% | 6,878 |
| Net loans and leases to deposits | 38.7852% | 7,012 |
| Net loans and leases to core deposits | 38.7852% | 7,069 |
| Total domestic deposits to total assets | 92.1330% | 194 |
| Equity capital to assets | 7.8232% | 6,793 |
| Core capital (leverage) ratio | 7.6473% | 6,672 |
| Tier 1 risk-based capital ratio | 12.6674% | 5,350 |
| Total risk-based capital ratio | 13.9218% | 5,330 |
| Memoranda: | ||
| Average total assets | $21,351,750 | 7,245 |
| Average earning assets | $17,461,750 | 7,268 |
| Average equity | $1,767,000 | 7,318 |
| Average total loans | $8,481,750 | 7,235 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3104% | 5,992 |
| Cost of funding earning assets | 0.5771% | 6,551 |
| Net interest margin | 3.7334% | 4,104 |
| Noninterest income to average assets | 0.5180% | 3,726 |
| Noninterest expense to average assets | 3.7121% | 1,510 |
| Loan and lease loss provision to assets | 0.4796% | 2,065 |
| Net operating income to assets | -0.6331% | 6,778 |
| Return on assets (ROA) | -0.6714% | 6,807 |
| Pretax return on assets | -0.6714% | 6,751 |
| Return on Equity (ROE) | -7.9545% | 6,864 |
| Retained earnings to average equity (ytd only) | -7.9545% | 6,775 |
| Net charge-offs to loans | 1.4799% | 1,005 |
| Credit loss provision to net charge-offs | 79.3651% | 3,789 |
| Earnings coverage of net charge-offs (x) | -0.2540% | 5,429 |
| Efficiency ratio | 104.3127% | 608 |
| Assets per employee ($millions) | 2.4863% | 6,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1400% | 2,034 |
| Loan loss allowance to noncurrent loans | 402.2727% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.8245% | 5,232 |
| Noncurrent loans to loans | 0.5320% | 5,849 |
| Net loans and leases to total assets | 40.6938% | 6,688 |
| Net loans and leases to deposits | 44.7355% | 6,897 |
| Net loans and leases to core deposits | 45.3572% | 6,966 |
| Total domestic deposits to total assets | 90.9653% | 513 |
| Equity capital to assets | 8.9744% | 5,617 |
| Core capital (leverage) ratio | 7.8442% | 6,465 |
| Tier 1 risk-based capital ratio | 13.1734% | 4,785 |
| Total risk-based capital ratio | 14.4280% | 4,766 |
| Memoranda: | ||
| Average total assets | $20,850,670 | 7,328 |
| Average earning assets | $16,982,000 | 7,352 |
| Average equity | $1,760,000 | 7,389 |
| Average total loans | $8,514,000 | 7,303 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0954% | 6,510 |
| Cost of funding earning assets | 0.5883% | 6,657 |
| Net interest margin | 3.5071% | 4,980 |
| Noninterest income to average assets | 0.5251% | 3,694 |
| Noninterest expense to average assets | 3.6942% | 1,548 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2625% | 6,619 |
| Return on assets (ROA) | -0.3375% | 6,701 |
| Pretax return on assets | -0.3375% | 6,644 |
| Return on Equity (ROE) | -4.1202% | 6,749 |
| Retained earnings to average equity (ytd only) | -4.1202% | 6,430 |
| Net charge-offs to loans | 0.4169% | 2,436 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.5556% | 4,937 |
| Efficiency ratio | 107.6503% | 544 |
| Assets per employee ($millions) | 2.6056% | 6,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1661% | 2,036 |
| Loan loss allowance to noncurrent loans | 138.1679% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 1.2041% | 4,544 |
| Noncurrent loans to loans | 1.5677% | 4,127 |
| Net loans and leases to total assets | 39.2180% | 6,834 |
| Net loans and leases to deposits | 42.8055% | 6,998 |
| Net loans and leases to core deposits | 43.3687% | 7,060 |
| Total domestic deposits to total assets | 91.6191% | 387 |
| Equity capital to assets | 8.3281% | 6,128 |
| Core capital (leverage) ratio | 8.2043% | 5,964 |
| Tier 1 risk-based capital ratio | 14.1839% | 3,946 |
| Total risk-based capital ratio | 15.4369% | 3,915 |
| Memoranda: | ||
| Average total assets | $21,331,000 | 7,376 |
| Average earning assets | $17,678,500 | 7,391 |
| Average equity | $1,747,500 | 7,440 |
| Average total loans | $8,635,500 | 7,357 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7496% | 5,622 |
| Cost of funding earning assets | 0.7916% | 6,604 |
| Net interest margin | 3.9580% | 3,223 |
| Noninterest income to average assets | 0.5508% | 3,820 |
| Noninterest expense to average assets | 4.1307% | 981 |
| Loan and lease loss provision to assets | 3.8904% | 170 |
| Net operating income to assets | -4.1408% | 7,452 |
| Return on assets (ROA) | -4.5013% | 7,500 |
| Pretax return on assets | -4.5013% | 7,497 |
| Return on Equity (ROE) | -41.8997% | 7,369 |
| Retained earnings to average equity (ytd only) | -41.8997% | 7,362 |
| Net charge-offs to loans | 7.6754% | 41 |
| Credit loss provision to net charge-offs | 102.2368% | 4,428 |
| Earnings coverage of net charge-offs (x) | -0.0658% | 6,187 |
| Efficiency ratio | 106.4516% | 616 |
| Assets per employee ($millions) | 2.4241% | 7,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1312% | 2,000 |
| Loan loss allowance to noncurrent loans | 163.7931% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 1.0817% | 4,841 |
| Noncurrent loans to loans | 1.3012% | 4,539 |
| Net loans and leases to total assets | 39.9917% | 6,963 |
| Net loans and leases to deposits | 43.5336% | 7,134 |
| Net loans and leases to core deposits | 44.0790% | 7,201 |
| Total domestic deposits to total assets | 91.8641% | 306 |
| Equity capital to assets | 8.0625% | 6,428 |
| Core capital (leverage) ratio | 8.2124% | 5,805 |
| Tier 1 risk-based capital ratio | 14.8158% | 3,362 |
| Total risk-based capital ratio | 16.0695% | 3,315 |
| Memoranda: | ||
| Average total assets | $19,972,200 | 7,467 |
| Average earning assets | $16,801,400 | 7,479 |
| Average equity | $2,145,600 | 7,482 |
| Average total loans | $9,901,800 | 7,400 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0331% | 4,664 |
| Cost of funding earning assets | 0.8567% | 6,559 |
| Net interest margin | 4.1763% | 2,312 |
| Noninterest income to average assets | 0.6014% | 3,430 |
| Noninterest expense to average assets | 3.9566% | 1,106 |
| Loan and lease loss provision to assets | 4.9680% | 90 |
| Net operating income to assets | -4.8587% | 7,632 |
| Return on assets (ROA) | -5.3575% | 7,675 |
| Pretax return on assets | -5.3575% | 7,664 |
| Return on Equity (ROE) | -46.6188% | 7,540 |
| Retained earnings to average equity (ytd only) | -46.6188% | 7,538 |
| Net charge-offs to loans | 8.3688% | 39 |
| Credit loss provision to net charge-offs | 114.1287% | 3,666 |
| Earnings coverage of net charge-offs (x) | 0.0251% | 6,007 |
| Efficiency ratio | 97.3109% | 846 |
| Assets per employee ($millions) | 2.4916% | 7,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8273% | 982 |
| Loan loss allowance to noncurrent loans | 255.3398% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 1.2693% | 4,605 |
| Noncurrent loans to loans | 1.1073% | 5,032 |
| Net loans and leases to total assets | 45.3469% | 6,751 |
| Net loans and leases to deposits | 50.4577% | 6,988 |
| Net loans and leases to core deposits | 51.1661% | 7,076 |
| Total domestic deposits to total assets | 89.8711% | 942 |
| Equity capital to assets | 10.0487% | 4,097 |
| Core capital (leverage) ratio | 9.4582% | 3,964 |
| Tier 1 risk-based capital ratio | 14.9735% | 3,262 |
| Total risk-based capital ratio | 16.2333% | 3,245 |
| Memoranda: | ||
| Average total assets | $19,511,000 | 7,575 |
| Average earning assets | $16,186,000 | 7,589 |
| Average equity | $2,242,250 | 7,558 |
| Average total loans | $10,148,500 | 7,486 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3382% | 3,273 |
| Cost of funding earning assets | 0.9524% | 6,369 |
| Net interest margin | 4.3859% | 1,490 |
| Noninterest income to average assets | 0.6195% | 3,201 |
| Noninterest expense to average assets | 4.1817% | 829 |
| Loan and lease loss provision to assets | 4.4708% | 150 |
| Net operating income to assets | -4.4191% | 7,656 |
| Return on assets (ROA) | -5.1625% | 7,705 |
| Pretax return on assets | -5.1625% | 7,685 |
| Return on Equity (ROE) | -43.0663% | 7,556 |
| Retained earnings to average equity (ytd only) | -43.0663% | 7,549 |
| Net charge-offs to loans | 5.8865% | 141 |
| Credit loss provision to net charge-offs | 141.0423% | 2,831 |
| Earnings coverage of net charge-offs (x) | 0.0163% | 5,699 |
| Efficiency ratio | 98.7805% | 848 |
| Assets per employee ($millions) | 2.1852% | 7,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8858% | 928 |
| Loan loss allowance to noncurrent loans | 71.1905% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 2.8983% | 2,480 |
| Noncurrent loans to loans | 4.0537% | 1,863 |
| Net loans and leases to total assets | 51.1618% | 6,289 |
| Net loans and leases to deposits | 57.7778% | 6,591 |
| Net loans and leases to core deposits | 59.4751% | 6,743 |
| Total domestic deposits to total assets | 88.5493% | 1,701 |
| Equity capital to assets | 11.3286% | 2,569 |
| Core capital (leverage) ratio | 11.4158% | 1,961 |
| Tier 1 risk-based capital ratio | 14.1214% | 3,653 |
| Total risk-based capital ratio | 15.3836% | 3,604 |
| Memoranda: | ||
| Average total assets | $19,370,330 | 7,640 |
| Average earning assets | $15,960,330 | 7,657 |
| Average equity | $2,322,000 | 7,597 |
| Average total loans | $10,430,670 | 7,529 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3395% | 3,347 |
| Cost of funding earning assets | 1.0219% | 6,269 |
| Net interest margin | 4.3176% | 1,639 |
| Noninterest income to average assets | 0.6451% | 2,962 |
| Noninterest expense to average assets | 4.4740% | 598 |
| Loan and lease loss provision to assets | 9.0105% | 42 |
| Net operating income to assets | -9.3227% | 7,890 |
| Return on assets (ROA) | -10.8001% | 7,904 |
| Pretax return on assets | -10.8001% | 7,900 |
| Return on Equity (ROE) | -87.6319% | 7,810 |
| Retained earnings to average equity (ytd only) | -87.6319% | 7,806 |
| Net charge-offs to loans | 11.7338% | 36 |
| Credit loss provision to net charge-offs | 141.0423% | 2,518 |
| Earnings coverage of net charge-offs (x) | -0.0489% | 5,061 |
| Efficiency ratio | 107.5000% | 648 |
| Assets per employee ($millions) | 2.1237% | 7,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8673% | 923 |
| Loan loss allowance to noncurrent loans | 79.5213% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 2.7521% | 2,638 |
| Noncurrent loans to loans | 3.6057% | 2,208 |
| Net loans and leases to total assets | 52.9953% | 6,152 |
| Net loans and leases to deposits | 59.8499% | 6,486 |
| Net loans and leases to core deposits | 59.8499% | 6,765 |
| Total domestic deposits to total assets | 88.5471% | 1,764 |
| Equity capital to assets | 11.3378% | 2,469 |
| Core capital (leverage) ratio | 10.9737% | 2,248 |
| Tier 1 risk-based capital ratio | 16.0208% | 2,653 |
| Total risk-based capital ratio | 17.2850% | 2,596 |
| Memoranda: | ||
| Average total assets | $19,222,000 | 7,741 |
| Average earning assets | $15,657,000 | 7,762 |
| Average equity | $2,369,000 | 7,674 |
| Average total loans | $10,465,500 | 7,629 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7840% | 394 |
| Cost of funding earning assets | 1.2010% | 6,656 |
| Net interest margin | 5.5830% | 174 |
| Noninterest income to average assets | 0.5292% | 4,186 |
| Noninterest expense to average assets | 4.5232% | 782 |
| Loan and lease loss provision to assets | 0.3175% | 4,913 |
| Net operating income to assets | 0.4791% | 3,814 |
| Return on assets (ROA) | -0.2730% | 5,930 |
| Pretax return on assets | -0.2730% | 5,806 |
| Return on Equity (ROE) | -2.2240% | 5,891 |
| Retained earnings to average equity (ytd only) | -2.2240% | 5,567 |
| Net charge-offs to loans | 0.4300% | 4,076 |
| Credit loss provision to net charge-offs | 129.5455% | 3,955 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 3,433 |
| Efficiency ratio | 85.0262% | 2,221 |
| Assets per employee ($millions) | 2.1479% | 7,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6471% | 3,100 |
| Loan loss allowance to noncurrent loans | 90.1042% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 1.7692% | 3,725 |
| Noncurrent loans to loans | 1.8280% | 3,886 |
| Net loans and leases to total assets | 53.4375% | 6,256 |
| Net loans and leases to deposits | 61.7269% | 6,493 |
| Net loans and leases to core deposits | 70.3774% | 6,744 |
| Total domestic deposits to total assets | 86.5708% | 2,722 |
| Equity capital to assets | 13.2999% | 1,395 |
| Core capital (leverage) ratio | 13.5489% | 1,084 |
| Tier 1 risk-based capital ratio | 17.7623% | 1,954 |
| Total risk-based capital ratio | 18.9496% | 1,924 |
| Memoranda: | ||
| Average total assets | $17,951,800 | 7,830 |
| Average earning assets | $15,403,800 | 7,834 |
| Average equity | $2,203,200 | 7,802 |
| Average total loans | $10,233,600 | 7,698 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8892% | 359 |
| Cost of funding earning assets | 1.1800% | 6,945 |
| Net interest margin | 5.7091% | 142 |
| Noninterest income to average assets | 0.5301% | 4,238 |
| Noninterest expense to average assets | 4.5057% | 742 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0072% | 2,028 |
| Return on assets (ROA) | 0.0227% | 5,714 |
| Pretax return on assets | 0.0227% | 5,664 |
| Return on Equity (ROE) | 0.1895% | 5,715 |
| Retained earnings to average equity (ytd only) | 0.1895% | 5,115 |
| Net charge-offs to loans | 0.2098% | 4,724 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 8.3136% | 2,271 |
| Efficiency ratio | 81.7308% | 2,619 |
| Assets per employee ($millions) | 2.0998% | 7,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 4,199 |
| Loan loss allowance to noncurrent loans | 65.4545% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.9579% | 3,403 |
| Noncurrent loans to loans | 2.0628% | 3,545 |
| Net loans and leases to total assets | 55.6726% | 6,177 |
| Net loans and leases to deposits | 64.4669% | 6,457 |
| Net loans and leases to core deposits | 79.2304% | 6,404 |
| Total domestic deposits to total assets | 86.3583% | 2,508 |
| Equity capital to assets | 13.5305% | 1,486 |
| Core capital (leverage) ratio | 14.3518% | 997 |
| Tier 1 risk-based capital ratio | 17.7737% | 2,055 |
| Total risk-based capital ratio | 18.7216% | 2,086 |
| Memoranda: | ||
| Average total assets | $17,607,000 | 7,915 |
| Average earning assets | $15,366,750 | 7,918 |
| Average equity | $2,111,250 | 7,901 |
| Average total loans | $10,166,250 | 7,771 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9424% | 354 |
| Cost of funding earning assets | 1.1704% | 7,193 |
| Net interest margin | 5.7720% | 127 |
| Noninterest income to average assets | 0.5589% | 3,969 |
| Noninterest expense to average assets | 4.5760% | 717 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0363% | 1,985 |
| Return on assets (ROA) | 1.0363% | 2,064 |
| Pretax return on assets | 1.0363% | 2,856 |
| Return on Equity (ROE) | 9.0693% | 2,337 |
| Retained earnings to average equity (ytd only) | 9.0693% | 917 |
| Net charge-offs to loans | 0.3200% | 3,584 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 5.5625% | 2,809 |
| Efficiency ratio | 81.5353% | 2,788 |
| Assets per employee ($millions) | 1.7542% | 8,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 3,976 |
| Loan loss allowance to noncurrent loans | 137.5000% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 1.4480% | 4,075 |
| Noncurrent loans to loans | 0.9824% | 5,244 |
| Net loans and leases to total assets | 59.5314% | 5,757 |
| Net loans and leases to deposits | 76.6459% | 5,075 |
| Net loans and leases to core deposits | 85.6686% | 5,940 |
| Total domestic deposits to total assets | 77.6707% | 6,160 |
| Equity capital to assets | 13.2083% | 1,606 |
| Core capital (leverage) ratio | 15.8665% | 762 |
| Tier 1 risk-based capital ratio | 18.7673% | 1,825 |
| Total risk-based capital ratio | 19.7305% | 1,834 |
| Memoranda: | ||
| Average total assets | $17,176,670 | 8,006 |
| Average earning assets | $15,038,000 | 8,005 |
| Average equity | $1,962,670 | 8,011 |
| Average total loans | $10,000,000 | 7,863 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1008% | 289 |
| Cost of funding earning assets | 1.2196% | 7,251 |
| Net interest margin | 5.8812% | 113 |
| Noninterest income to average assets | 0.5649% | 3,793 |
| Noninterest expense to average assets | 4.4016% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2710% | 1,453 |
| Return on assets (ROA) | 1.2710% | 1,552 |
| Pretax return on assets | 1.2710% | 2,372 |
| Return on Equity (ROE) | 12.0975% | 1,634 |
| Retained earnings to average equity (ytd only) | 12.0975% | 771 |
| Net charge-offs to loans | 1.0302% | 1,308 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.1600% | 3,658 |
| Efficiency ratio | 77.5934% | 3,237 |
| Assets per employee ($millions) | 1.8318% | 8,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 3,582 |
| Loan loss allowance to noncurrent loans | 73.3696% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 2.0260% | 2,853 |
| Noncurrent loans to loans | 1.8880% | 3,432 |
| Net loans and leases to total assets | 58.2979% | 5,895 |
| Net loans and leases to deposits | 69.4436% | 6,033 |
| Net loans and leases to core deposits | 75.8983% | 6,683 |
| Total domestic deposits to total assets | 83.9500% | 3,738 |
| Equity capital to assets | 11.2034% | 2,807 |
| Core capital (leverage) ratio | 15.8962% | 796 |
| Tier 1 risk-based capital ratio | 19.0989% | 1,792 |
| Total risk-based capital ratio | 20.0361% | 1,811 |
| Memoranda: | ||
| Average total assets | $16,994,000 | 8,063 |
| Average earning assets | $14,759,000 | 8,065 |
| Average equity | $1,785,500 | 8,095 |
| Average total loans | $9,707,000 | 7,923 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9773% | 1,197 |
| Cost of funding earning assets | 1.3677% | 7,782 |
| Net interest margin | 5.6096% | 171 |
| Noninterest income to average assets | 0.4765% | 4,825 |
| Noninterest expense to average assets | 3.8402% | 1,677 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6258% | 797 |
| Return on assets (ROA) | 0.0000% | 6,229 |
| Pretax return on assets | 0.0000% | 6,153 |
| Return on Equity (ROE) | 0.0000% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 1.4244% | 823 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 2.3967% | 4,880 |
| Efficiency ratio | 70.2564% | 4,302 |
| Assets per employee ($millions) | 2.5003% | 7,204 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6549% | 2,040 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.5427% | 3,137 |
| Noncurrent loans to loans | 1.2412% | 4,037 |
| Net loans and leases to total assets | 54.3252% | 6,617 |
| Net loans and leases to deposits | 66.0599% | 6,641 |
| Net loans and leases to core deposits | 71.1517% | 7,126 |
| Total domestic deposits to total assets | 82.2363% | 4,106 |
| Equity capital to assets | 9.8503% | 4,223 |
| Core capital (leverage) ratio | 15.0125% | 1,029 |
| Tier 1 risk-based capital ratio | 17.4022% | 2,204 |
| Total risk-based capital ratio | 18.4346% | 2,207 |
| Memoranda: | ||
| Average total assets | $17,837,600 | 8,078 |
| Average earning assets | $15,865,800 | 8,077 |
| Average equity | $2,388,600 | 8,027 |
| Average total loans | $8,494,800 | 8,011 |