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 | 1.9343% | 4,576 |
| Cost of funding earning assets | 0.2500% | 4,415 |
| Net interest margin | 1.6843% | 4,479 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.4275% | 4,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2479% | 4,100 |
| Return on assets (ROA) | 0.2267% | 4,143 |
| Pretax return on assets | 0.2872% | 4,103 |
| Return on Equity (ROE) | 2.8300% | 4,049 |
| Retained earnings to average equity (ytd only) | 2.8301% | 3,335 |
| Net charge-offs to loans | 0.3826% | 272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 12.4667% | 2,147 |
| Efficiency ratio | 81.9672% | 779 |
| Assets per employee ($millions) | 9.2518% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0633% | 44 |
| Loan loss allowance to noncurrent loans | 270.2703% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 2,637 |
| Noncurrent loans to loans | 1.8734% | 313 |
| Net loans and leases to total assets | 6.7600% | 4,456 |
| Net loans and leases to deposits | 7.5474% | 4,461 |
| Net loans and leases to core deposits | 7.5474% | 4,481 |
| Total domestic deposits to total assets | 89.5100% | 901 |
| Equity capital to assets | 8.6631% | 2,923 |
| Core capital (leverage) ratio | 8.6322% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 111.9936% | 62 |
| Memoranda: | ||
| Average total assets | $59,545,000 | 4,218 |
| Average earning assets | $57,591,000 | 4,168 |
| Average equity | $4,770,200 | 4,278 |
| Average total loans | $3,921,000 | 4,465 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8829% | 4,595 |
| Cost of funding earning assets | 0.1892% | 4,452 |
| Net interest margin | 1.6937% | 4,504 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.2793% | 4,457 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3603% | 4,029 |
| Return on assets (ROA) | 0.3325% | 4,084 |
| Pretax return on assets | 0.4206% | 4,032 |
| Return on Equity (ROE) | 4.2300% | 3,948 |
| Retained earnings to average equity (ytd only) | 4.2291% | 3,199 |
| Net charge-offs to loans | 0.3747% | 231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 18.8182% | 1,851 |
| Efficiency ratio | 73.7310% | 1,384 |
| Assets per employee ($millions) | 9.2450% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0595% | 43 |
| Loan loss allowance to noncurrent loans | 258.2278% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 2,621 |
| Noncurrent loans to loans | 1.9593% | 317 |
| Net loans and leases to total assets | 6.9000% | 4,486 |
| Net loans and leases to deposits | 7.7271% | 4,488 |
| Net loans and leases to core deposits | 7.7271% | 4,471 |
| Total domestic deposits to total assets | 89.3100% | 1,155 |
| Equity capital to assets | 8.6804% | 2,607 |
| Core capital (leverage) ratio | 8.5650% | 4,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 113.8116% | 61 |
| Memoranda: | ||
| Average total assets | $60,553,500 | 4,224 |
| Average earning assets | $58,488,500 | 4,178 |
| Average equity | $4,760,500 | 4,291 |
| Average total loans | $3,913,750 | 4,491 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9036% | 4,629 |
| Cost of funding earning assets | 0.1464% | 4,481 |
| Net interest margin | 1.7572% | 4,548 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.2531% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4309% | 3,945 |
| Return on assets (ROA) | 0.4080% | 4,001 |
| Pretax return on assets | 0.5173% | 3,938 |
| Return on Equity (ROE) | 5.3600% | 3,830 |
| Retained earnings to average equity (ytd only) | 5.3560% | 2,837 |
| Net charge-offs to loans | 0.5678% | 145 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 15.4545% | 1,854 |
| Efficiency ratio | 69.6429% | 1,799 |
| Assets per employee ($millions) | 9.4362% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9371% | 48 |
| 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 | 6.9400% | 4,514 |
| Net loans and leases to deposits | 7.5900% | 4,518 |
| Net loans and leases to core deposits | 7.5900% | 4,503 |
| Total domestic deposits to total assets | 91.4100% | 522 |
| Equity capital to assets | 8.4621% | 2,892 |
| Core capital (leverage) ratio | 8.3445% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 109.8075% | 58 |
| Memoranda: | ||
| Average total assets | $62,248,000 | 4,228 |
| Average earning assets | $60,096,667 | 4,179 |
| Average equity | $4,742,333 | 4,317 |
| Average total loans | $3,874,333 | 4,523 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9903% | 4,658 |
| Cost of funding earning assets | 0.0447% | 4,583 |
| Net interest margin | 1.9457% | 4,577 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 1.1312% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6640% | 3,544 |
| Return on assets (ROA) | 0.6640% | 3,498 |
| Pretax return on assets | 0.8300% | 3,396 |
| Return on Equity (ROE) | 9.1600% | 3,004 |
| Retained earnings to average equity (ytd only) | 9.1564% | 1,898 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.6803% | 3,225 |
| Assets per employee ($millions) | 10.1123% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6954% | 28 |
| Loan loss allowance to noncurrent loans | 1,954.5455% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 3,633 |
| Noncurrent loans to loans | 0.2914% | 2,095 |
| Net loans and leases to total assets | 5.8700% | 4,588 |
| Net loans and leases to deposits | 6.3791% | 4,591 |
| Net loans and leases to core deposits | 6.3791% | 4,575 |
| Total domestic deposits to total assets | 91.9800% | 521 |
| Equity capital to assets | 7.8650% | 3,334 |
| Core capital (leverage) ratio | 7.3817% | 4,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 120.0896% | 55 |
| Memoranda: | ||
| Average total assets | $65,063,500 | 4,255 |
| Average earning assets | $62,703,000 | 4,208 |
| Average equity | $4,718,000 | 4,373 |
| Average total loans | $3,745,500 | 4,592 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3206% | 4,676 |
| Cost of funding earning assets | 0.0439% | 4,600 |
| Net interest margin | 1.2767% | 4,667 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.1320% | 4,651 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1472% | 4,516 |
| Return on assets (ROA) | 0.1472% | 4,486 |
| Pretax return on assets | 0.1887% | 4,469 |
| Return on Equity (ROE) | 2.0900% | 4,400 |
| Retained earnings to average equity (ytd only) | 2.0887% | 4,009 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.7143% | 469 |
| Assets per employee ($millions) | 9.4121% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5649% | 19 |
| Loan loss allowance to noncurrent loans | 1,954.5455% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,790 |
| Noncurrent loans to loans | 0.3359% | 2,025 |
| Net loans and leases to total assets | 4.6400% | 4,667 |
| Net loans and leases to deposits | 4.9966% | 4,670 |
| Net loans and leases to core deposits | 4.9966% | 4,653 |
| Total domestic deposits to total assets | 92.9500% | 592 |
| Equity capital to assets | 6.9394% | 3,547 |
| Core capital (leverage) ratio | 6.9903% | 4,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 119.3390% | 56 |
| Memoranda: | ||
| Average total assets | $64,311,250 | 4,322 |
| Average earning assets | $60,675,750 | 4,284 |
| Average equity | $4,532,250 | 4,523 |
| Average total loans | $3,425,750 | 4,667 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2025% | 4,726 |
| Cost of funding earning assets | 0.0428% | 4,635 |
| Net interest margin | 1.1597% | 4,717 |
| Noninterest income to average assets | 0.1129% | 4,431 |
| Noninterest expense to average assets | 1.0817% | 4,679 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1066% | 4,508 |
| Return on assets (ROA) | 0.1066% | 4,473 |
| Pretax return on assets | 0.1348% | 4,461 |
| Return on Equity (ROE) | 1.5048% | 4,407 |
| Retained earnings to average equity (ytd only) | 1.5048% | 3,880 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9175% | 459 |
| Assets per employee ($millions) | 9.1803% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3459% | 23 |
| Loan loss allowance to noncurrent loans | 1,954.5455% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 3,843 |
| Noncurrent loans to loans | 0.3247% | 2,177 |
| Net loans and leases to total assets | 4.9376% | 4,728 |
| Net loans and leases to deposits | 5.3148% | 4,732 |
| Net loans and leases to core deposits | 5.3148% | 4,722 |
| Total domestic deposits to total assets | 92.9025% | 538 |
| Equity capital to assets | 7.0570% | 3,736 |
| Core capital (leverage) ratio | 7.1845% | 4,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 117.0794% | 26 |
| Memoranda: | ||
| Average total assets | $63,786,667 | 4,371 |
| Average earning assets | $60,707,667 | 4,343 |
| Average equity | $4,519,000 | 4,568 |
| Average total loans | $3,476,000 | 4,728 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2671% | 4,747 |
| Cost of funding earning assets | 0.0462% | 4,625 |
| Net interest margin | 1.2209% | 4,731 |
| Noninterest income to average assets | 0.1007% | 4,503 |
| Noninterest expense to average assets | 1.1078% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1259% | 4,439 |
| Return on assets (ROA) | 0.1259% | 4,408 |
| Pretax return on assets | 0.1574% | 4,381 |
| Return on Equity (ROE) | 1.7734% | 4,293 |
| Retained earnings to average equity (ytd only) | 1.7734% | 3,607 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5622% | 656 |
| Assets per employee ($millions) | 9.0256% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6235% | 26 |
| Loan loss allowance to noncurrent loans | 390.9091% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 3,204 |
| Noncurrent loans to loans | 1.6944% | 459 |
| Net loans and leases to total assets | 4.7975% | 4,756 |
| Net loans and leases to deposits | 5.1694% | 4,758 |
| Net loans and leases to core deposits | 5.1694% | 4,749 |
| Total domestic deposits to total assets | 92.8062% | 321 |
| Equity capital to assets | 7.1559% | 4,123 |
| Core capital (leverage) ratio | 7.1631% | 4,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 120.2895% | 25 |
| Memoranda: | ||
| Average total assets | $63,549,000 | 4,397 |
| Average earning assets | $60,610,500 | 4,367 |
| Average equity | $4,511,000 | 4,611 |
| Average total loans | $3,520,000 | 4,757 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5018% | 4,745 |
| Cost of funding earning assets | 0.0437% | 4,712 |
| Net interest margin | 1.4581% | 4,727 |
| Noninterest income to average assets | 0.1890% | 4,217 |
| Noninterest expense to average assets | 1.2760% | 4,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2392% | 4,495 |
| Return on assets (ROA) | 0.2392% | 4,508 |
| Pretax return on assets | 0.2999% | 4,495 |
| Return on Equity (ROE) | 3.1091% | 4,341 |
| Retained earnings to average equity (ytd only) | 3.1091% | 3,585 |
| Net charge-offs to loans | -0.0592% | 4,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9681% | 747 |
| Assets per employee ($millions) | 9.1313% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6668% | 29 |
| Loan loss allowance to noncurrent loans | 221.6495% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 2,879 |
| Noncurrent loans to loans | 2.5567% | 261 |
| Net loans and leases to total assets | 5.5993% | 4,796 |
| Net loans and leases to deposits | 6.0280% | 4,799 |
| Net loans and leases to core deposits | 6.0280% | 4,789 |
| Total domestic deposits to total assets | 92.8879% | 56 |
| Equity capital to assets | 7.0417% | 4,712 |
| Core capital (leverage) ratio | 7.4613% | 4,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 105.6573% | 26 |
| Memoranda: | ||
| Average total assets | $57,680,600 | 4,481 |
| Average earning assets | $54,866,200 | 4,452 |
| Average equity | $4,438,600 | 4,679 |
| Average total loans | $5,066,800 | 4,789 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5033% | 4,829 |
| Cost of funding earning assets | 0.0450% | 4,799 |
| Net interest margin | 1.4583% | 4,813 |
| Noninterest income to average assets | 0.1948% | 4,227 |
| Noninterest expense to average assets | 1.2592% | 4,770 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2542% | 4,574 |
| Return on assets (ROA) | 0.2542% | 4,596 |
| Pretax return on assets | 0.3207% | 4,573 |
| Return on Equity (ROE) | 3.2255% | 4,427 |
| Retained earnings to average equity (ytd only) | 3.2255% | 3,819 |
| Net charge-offs to loans | -0.0248% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6992% | 764 |
| Assets per employee ($millions) | 9.4652% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9401% | 69 |
| 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 | 9.1441% | 4,855 |
| Net loans and leases to deposits | 9.9502% | 4,860 |
| Net loans and leases to core deposits | 9.9502% | 4,853 |
| Total domestic deposits to total assets | 91.8984% | 145 |
| Equity capital to assets | 7.8710% | 4,574 |
| Core capital (leverage) ratio | 7.8122% | 4,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 84.0556% | 35 |
| Memoranda: | ||
| Average total assets | $56,121,000 | 4,558 |
| Average earning assets | $53,302,000 | 4,530 |
| Average equity | $4,423,000 | 4,747 |
| Average total loans | $5,385,000 | 4,858 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3508% | 4,879 |
| Cost of funding earning assets | 0.0452% | 4,842 |
| Net interest margin | 1.3057% | 4,866 |
| Noninterest income to average assets | 0.2147% | 4,121 |
| Noninterest expense to average assets | 1.1843% | 4,826 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2147% | 4,617 |
| Return on assets (ROA) | 0.2147% | 4,634 |
| Pretax return on assets | 0.2719% | 4,618 |
| Return on Equity (ROE) | 2.7227% | 4,519 |
| Retained earnings to average equity (ytd only) | 2.7227% | 3,929 |
| Net charge-offs to loans | -0.0372% | 4,243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3268% | 710 |
| Assets per employee ($millions) | 9.5635% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7127% | 81 |
| Loan loss allowance to noncurrent loans | 1,065.0000% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,019 |
| Noncurrent loans to loans | 0.3486% | 2,660 |
| Net loans and leases to total assets | 9.6269% | 4,895 |
| Net loans and leases to deposits | 10.4665% | 4,900 |
| Net loans and leases to core deposits | 10.4665% | 4,893 |
| Total domestic deposits to total assets | 91.9782% | 128 |
| Equity capital to assets | 7.7081% | 4,674 |
| Core capital (leverage) ratio | 7.8243% | 4,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 83.3086% | 36 |
| Memoranda: | ||
| Average total assets | $55,897,667 | 4,588 |
| Average earning assets | $53,152,667 | 4,560 |
| Average equity | $4,407,333 | 4,778 |
| Average total loans | $5,378,000 | 4,898 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4305% | 4,907 |
| Cost of funding earning assets | 0.0457% | 4,878 |
| Net interest margin | 1.3848% | 4,891 |
| Noninterest income to average assets | 0.2756% | 3,747 |
| Noninterest expense to average assets | 1.1676% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3409% | 4,463 |
| Return on assets (ROA) | 0.3409% | 4,498 |
| Pretax return on assets | 0.4279% | 4,454 |
| Return on Equity (ROE) | 4.2732% | 4,232 |
| Retained earnings to average equity (ytd only) | 4.2732% | 3,427 |
| Net charge-offs to loans | -0.0769% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1818% | 1,385 |
| Assets per employee ($millions) | 9.5028% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0174% | 71 |
| Loan loss allowance to noncurrent loans | 204.8077% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 3,259 |
| Noncurrent loans to loans | 1.9615% | 559 |
| Net loans and leases to total assets | 8.9254% | 4,924 |
| Net loans and leases to deposits | 9.7007% | 4,930 |
| Net loans and leases to core deposits | 9.7007% | 4,924 |
| Total domestic deposits to total assets | 92.0076% | 143 |
| Equity capital to assets | 7.7573% | 4,612 |
| Core capital (leverage) ratio | 8.0525% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,156,000 | 4,613 |
| Average earning assets | $52,570,500 | 4,583 |
| Average equity | $4,399,500 | 4,800 |
| Average total loans | $5,198,500 | 4,924 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0016% | 4,917 |
| Cost of funding earning assets | 0.1117% | 4,839 |
| Net interest margin | 1.8899% | 4,862 |
| Noninterest income to average assets | 0.2016% | 4,264 |
| Noninterest expense to average assets | 1.6194% | 4,688 |
| Loan and lease loss provision to assets | 0.0212% | 4,129 |
| Net operating income to assets | 0.2844% | 4,456 |
| Return on assets (ROA) | 0.2844% | 4,518 |
| Pretax return on assets | 0.3566% | 4,475 |
| Return on Equity (ROE) | 3.0876% | 4,355 |
| Retained earnings to average equity (ytd only) | 3.0876% | 3,306 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0840% | 805 |
| Assets per employee ($millions) | 8.8825% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1609% | 63 |
| 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 | 9.1622% | 4,946 |
| Net loans and leases to deposits | 9.9949% | 4,953 |
| Net loans and leases to core deposits | 9.9949% | 4,947 |
| Total domestic deposits to total assets | 91.6690% | 108 |
| Equity capital to assets | 8.2109% | 4,617 |
| Core capital (leverage) ratio | 8.2611% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,117,400 | 4,688 |
| Average earning assets | $44,764,600 | 4,664 |
| Average equity | $4,340,000 | 4,815 |
| Average total loans | $5,074,400 | 4,949 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2262% | 4,943 |
| Cost of funding earning assets | 0.1328% | 4,851 |
| Net interest margin | 2.0935% | 4,855 |
| Noninterest income to average assets | 0.2106% | 4,218 |
| Noninterest expense to average assets | 1.6559% | 4,674 |
| Loan and lease loss provision to assets | 0.0285% | 3,975 |
| Net operating income to assets | 0.4067% | 4,253 |
| Return on assets (ROA) | 0.4067% | 4,318 |
| Pretax return on assets | 0.5091% | 4,261 |
| Return on Equity (ROE) | 4.2791% | 4,103 |
| Retained earnings to average equity (ytd only) | 4.2791% | 2,909 |
| Net charge-offs to loans | 0.0526% | 1,852 |
| Credit loss provision to net charge-offs | 500.0000% | 1,276 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 837 |
| Efficiency ratio | 75.4667% | 1,257 |
| Assets per employee ($millions) | 8.8310% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8810% | 68 |
| 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 | 9.8158% | 4,981 |
| Net loans and leases to deposits | 10.7136% | 4,985 |
| Net loans and leases to core deposits | 10.7136% | 4,982 |
| Total domestic deposits to total assets | 91.6204% | 91 |
| Equity capital to assets | 8.2682% | 4,592 |
| Core capital (leverage) ratio | 8.9293% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,573,000 | 4,727 |
| Average earning assets | $43,181,000 | 4,705 |
| Average equity | $4,331,000 | 4,842 |
| Average total loans | $5,069,250 | 4,982 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4758% | 4,966 |
| Cost of funding earning assets | 0.1326% | 4,921 |
| Net interest margin | 2.3432% | 4,820 |
| Noninterest income to average assets | 0.1438% | 4,586 |
| Noninterest expense to average assets | 1.6565% | 4,728 |
| Loan and lease loss provision to assets | 0.0464% | 3,719 |
| Net operating income to assets | 0.5243% | 3,945 |
| Return on assets (ROA) | 0.5243% | 4,032 |
| Pretax return on assets | 0.6543% | 3,964 |
| Return on Equity (ROE) | 5.2384% | 3,763 |
| Retained earnings to average equity (ytd only) | 5.2384% | 2,369 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2756% | 1,918 |
| Assets per employee ($millions) | 7.6080% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9977% | 64 |
| Loan loss allowance to noncurrent loans | 2,355.5556% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 2,801 |
| Noncurrent loans to loans | 0.1697% | 3,771 |
| Net loans and leases to total assets | 11.1527% | 5,009 |
| Net loans and leases to deposits | 12.3511% | 5,016 |
| Net loans and leases to core deposits | 12.3511% | 5,012 |
| Total domestic deposits to total assets | 90.2975% | 325 |
| Equity capital to assets | 9.5404% | 3,624 |
| Core capital (leverage) ratio | 10.0489% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,102,000 | 4,771 |
| Average earning assets | $40,714,333 | 4,753 |
| Average equity | $4,314,333 | 4,869 |
| Average total loans | $4,955,333 | 5,013 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7424% | 5,009 |
| Cost of funding earning assets | 0.1320% | 5,000 |
| Net interest margin | 2.6104% | 4,744 |
| Noninterest income to average assets | 0.1530% | 4,609 |
| Noninterest expense to average assets | 1.6830% | 4,791 |
| Loan and lease loss provision to assets | 0.0478% | 3,180 |
| Net operating income to assets | 0.7076% | 3,247 |
| Return on assets (ROA) | 0.7076% | 3,327 |
| Pretax return on assets | 0.8798% | 3,193 |
| Return on Equity (ROE) | 6.8933% | 2,994 |
| Retained earnings to average equity (ytd only) | 6.8933% | 1,577 |
| Net charge-offs to loans | 0.1673% | 788 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 916 |
| Efficiency ratio | 64.4689% | 3,160 |
| Assets per employee ($millions) | 6.9103% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3738% | 58 |
| Loan loss allowance to noncurrent loans | 20,500.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 2,875 |
| Noncurrent loans to loans | 0.0213% | 4,486 |
| Net loans and leases to total assets | 10.8099% | 5,058 |
| Net loans and leases to deposits | 12.0783% | 5,061 |
| Net loans and leases to core deposits | 12.0783% | 5,056 |
| Total domestic deposits to total assets | 89.4988% | 469 |
| Equity capital to assets | 10.4095% | 3,405 |
| Core capital (leverage) ratio | 10.1591% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,829,000 | 4,814 |
| Average earning assets | $39,381,500 | 4,795 |
| Average equity | $4,294,000 | 4,912 |
| Average total loans | $4,781,500 | 5,061 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7293% | 5,103 |
| Cost of funding earning assets | 0.1317% | 5,066 |
| Net interest margin | 2.5977% | 4,907 |
| Noninterest income to average assets | 0.1936% | 4,502 |
| Noninterest expense to average assets | 1.6937% | 4,874 |
| Loan and lease loss provision to assets | 0.0726% | 2,547 |
| Net operating income to assets | 0.7186% | 3,806 |
| Return on assets (ROA) | 0.7186% | 3,870 |
| Pretax return on assets | 0.9098% | 3,716 |
| Return on Equity (ROE) | 7.2291% | 3,472 |
| Retained earnings to average equity (ytd only) | 7.2291% | 1,290 |
| Net charge-offs to loans | 0.1822% | 1,101 |
| Credit loss provision to net charge-offs | 333.3333% | 831 |
| Earnings coverage of net charge-offs (x) | 45.1111% | 1,211 |
| Efficiency ratio | 63.2911% | 3,178 |
| Assets per employee ($millions) | 7.0327% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1427% | 57 |
| Loan loss allowance to noncurrent loans | 144.2857% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 3,096 |
| Noncurrent loans to loans | 2.8712% | 338 |
| Net loans and leases to total assets | 11.0769% | 5,117 |
| Net loans and leases to deposits | 12.3246% | 5,125 |
| Net loans and leases to core deposits | 12.3246% | 5,121 |
| Total domestic deposits to total assets | 89.8758% | 360 |
| Equity capital to assets | 10.1242% | 3,810 |
| Core capital (leverage) ratio | 10.1136% | 3,399 |
| Tier 1 risk-based capital ratio | 77.0180% | 59 |
| Total risk-based capital ratio | 78.3058% | 59 |
| Memoranda: | ||
| Average total assets | $41,329,600 | 4,872 |
| Average earning assets | $39,496,800 | 4,847 |
| Average equity | $4,108,400 | 4,981 |
| Average total loans | $4,938,600 | 5,122 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7514% | 5,188 |
| Cost of funding earning assets | 0.1325% | 5,143 |
| Net interest margin | 2.6189% | 4,990 |
| Noninterest income to average assets | 0.1816% | 4,640 |
| Noninterest expense to average assets | 1.5956% | 5,005 |
| Loan and lease loss provision to assets | 0.0649% | 2,596 |
| Net operating income to assets | 0.8075% | 3,657 |
| Return on assets (ROA) | 0.8075% | 3,733 |
| Pretax return on assets | 1.0216% | 3,519 |
| Return on Equity (ROE) | 8.1620% | 3,236 |
| Retained earnings to average equity (ytd only) | 8.1620% | 1,326 |
| Net charge-offs to loans | 0.2422% | 736 |
| Credit loss provision to net charge-offs | 222.2222% | 1,208 |
| Earnings coverage of net charge-offs (x) | 37.2217% | 1,429 |
| Efficiency ratio | 59.4921% | 3,732 |
| Assets per employee ($millions) | 7.0520% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8945% | 68 |
| Loan loss allowance to noncurrent loans | 6,400.0000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,733 |
| Noncurrent loans to loans | 0.0609% | 4,367 |
| Net loans and leases to total assets | 11.1978% | 5,198 |
| Net loans and leases to deposits | 12.4432% | 5,201 |
| Net loans and leases to core deposits | 12.4432% | 5,197 |
| Total domestic deposits to total assets | 89.9910% | 286 |
| Equity capital to assets | 9.9783% | 4,040 |
| Core capital (leverage) ratio | 10.1247% | 3,499 |
| Tier 1 risk-based capital ratio | 77.2685% | 57 |
| Total risk-based capital ratio | 78.5386% | 57 |
| Memoranda: | ||
| Average total assets | $41,113,000 | 4,948 |
| Average earning assets | $39,251,500 | 4,922 |
| Average equity | $4,067,500 | 5,056 |
| Average total loans | $4,954,250 | 5,201 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7128% | 5,255 |
| Cost of funding earning assets | 0.1336% | 5,189 |
| Net interest margin | 2.5792% | 5,084 |
| Noninterest income to average assets | 0.1719% | 4,725 |
| Noninterest expense to average assets | 1.5916% | 5,067 |
| Loan and lease loss provision to assets | 0.0491% | 2,838 |
| Net operating income to assets | 0.7860% | 3,704 |
| Return on assets (ROA) | 0.7860% | 3,762 |
| Pretax return on assets | 0.9972% | 3,563 |
| Return on Equity (ROE) | 7.9681% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.9681% | 1,412 |
| Net charge-offs to loans | 0.0403% | 2,086 |
| Credit loss provision to net charge-offs | 1,000.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 374 |
| Efficiency ratio | 60.3352% | 3,674 |
| Assets per employee ($millions) | 8.0870% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8069% | 68 |
| Loan loss allowance to noncurrent loans | 3,800.0000% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 4,734 |
| Noncurrent loans to loans | 0.1002% | 4,227 |
| Net loans and leases to total assets | 11.8734% | 5,246 |
| Net loans and leases to deposits | 13.2266% | 5,250 |
| Net loans and leases to core deposits | 13.2266% | 5,246 |
| Total domestic deposits to total assets | 89.7688% | 398 |
| Equity capital to assets | 10.2312% | 3,768 |
| Core capital (leverage) ratio | 10.2592% | 3,323 |
| Tier 1 risk-based capital ratio | 72.9193% | 61 |
| Total risk-based capital ratio | 74.1970% | 60 |
| Memoranda: | ||
| Average total assets | $40,713,330 | 4,992 |
| Average earning assets | $38,926,330 | 4,968 |
| Average equity | $4,016,000 | 5,100 |
| Average total loans | $4,962,330 | 5,250 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6701% | 5,322 |
| Cost of funding earning assets | 0.1325% | 5,237 |
| Net interest margin | 2.5376% | 5,173 |
| Noninterest income to average assets | 0.1665% | 4,741 |
| Noninterest expense to average assets | 1.5470% | 5,136 |
| Loan and lease loss provision to assets | 0.0490% | 2,677 |
| Net operating income to assets | 0.7931% | 3,647 |
| Return on assets (ROA) | 0.7931% | 3,695 |
| Pretax return on assets | 1.0085% | 3,415 |
| Return on Equity (ROE) | 8.1911% | 3,171 |
| Retained earnings to average equity (ytd only) | 8.1911% | 1,592 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3985% | 3,889 |
| Assets per employee ($millions) | 6.8597% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8462% | 69 |
| 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 | 11.2979% | 5,306 |
| Net loans and leases to deposits | 12.5246% | 5,308 |
| Net loans and leases to core deposits | 12.5246% | 5,303 |
| Total domestic deposits to total assets | 90.2060% | 384 |
| Equity capital to assets | 9.7429% | 4,052 |
| Core capital (leverage) ratio | 9.8154% | 3,800 |
| Tier 1 risk-based capital ratio | 75.8089% | 57 |
| Total risk-based capital ratio | 77.0880% | 57 |
| Memoranda: | ||
| Average total assets | $40,852,500 | 5,046 |
| Average earning assets | $39,249,500 | 5,015 |
| Average equity | $3,955,500 | 5,155 |
| Average total loans | $4,948,000 | 5,311 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6834% | 5,320 |
| Cost of funding earning assets | 0.1386% | 5,209 |
| Net interest margin | 2.5449% | 5,190 |
| Noninterest income to average assets | 0.1868% | 4,793 |
| Noninterest expense to average assets | 1.7848% | 5,015 |
| Loan and lease loss provision to assets | 0.0519% | 3,144 |
| Net operating income to assets | 0.5422% | 4,561 |
| Return on assets (ROA) | 0.5422% | 4,560 |
| Pretax return on assets | 0.6849% | 4,445 |
| Return on Equity (ROE) | 5.5294% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.5294% | 2,465 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7819% | 2,071 |
| Assets per employee ($millions) | 6.7578% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5771% | 78 |
| 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 | 12.0329% | 5,348 |
| Net loans and leases to deposits | 13.3179% | 5,352 |
| Net loans and leases to core deposits | 13.3179% | 5,349 |
| Total domestic deposits to total assets | 90.3519% | 362 |
| Equity capital to assets | 9.6209% | 4,028 |
| Core capital (leverage) ratio | 9.5336% | 4,083 |
| Tier 1 risk-based capital ratio | 68.5948% | 68 |
| Total risk-based capital ratio | 69.8628% | 68 |
| Memoranda: | ||
| Average total assets | $38,547,400 | 5,122 |
| Average earning assets | $35,365,400 | 5,104 |
| Average equity | $3,779,800 | 5,205 |
| Average total loans | $5,173,600 | 5,354 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6008% | 5,397 |
| Cost of funding earning assets | 0.1351% | 5,260 |
| Net interest margin | 2.4658% | 5,297 |
| Noninterest income to average assets | 0.2243% | 4,627 |
| Noninterest expense to average assets | 1.7241% | 5,115 |
| Loan and lease loss provision to assets | 0.0350% | 3,307 |
| Net operating income to assets | 0.5572% | 4,626 |
| Return on assets (ROA) | 0.5572% | 4,632 |
| Pretax return on assets | 0.7044% | 4,525 |
| Return on Equity (ROE) | 5.6538% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.6538% | 2,853 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9858% | 2,190 |
| Assets per employee ($millions) | 7.1598% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2454% | 109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 4,102 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 11.8671% | 5,419 |
| Net loans and leases to deposits | 13.0390% | 5,423 |
| Net loans and leases to core deposits | 13.0390% | 5,420 |
| Total domestic deposits to total assets | 91.0124% | 217 |
| Equity capital to assets | 8.9574% | 4,590 |
| Core capital (leverage) ratio | 9.8676% | 3,774 |
| Tier 1 risk-based capital ratio | 55.0395% | 104 |
| Total risk-based capital ratio | 56.3100% | 102 |
| Memoranda: | ||
| Average total assets | $38,047,500 | 5,192 |
| Average earning assets | $34,552,250 | 5,181 |
| Average equity | $3,749,500 | 5,274 |
| Average total loans | $5,202,000 | 5,423 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5992% | 5,455 |
| Cost of funding earning assets | 0.1410% | 5,280 |
| Net interest margin | 2.4582% | 5,360 |
| Noninterest income to average assets | 0.2307% | 4,635 |
| Noninterest expense to average assets | 1.7687% | 5,133 |
| Loan and lease loss provision to assets | 0.0275% | 3,369 |
| Net operating income to assets | 0.5054% | 4,739 |
| Return on assets (ROA) | 0.5054% | 4,743 |
| Pretax return on assets | 0.6372% | 4,670 |
| Return on Equity (ROE) | 4.9507% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.9507% | 3,100 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6862% | 1,889 |
| Assets per employee ($millions) | 6.2400% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1740% | 119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 4,015 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 13.5256% | 5,479 |
| Net loans and leases to deposits | 15.0325% | 5,483 |
| Net loans and leases to core deposits | 15.0325% | 5,481 |
| Total domestic deposits to total assets | 89.9760% | 586 |
| Equity capital to assets | 10.0240% | 3,602 |
| Core capital (leverage) ratio | 10.3055% | 3,232 |
| Tier 1 risk-based capital ratio | 58.0079% | 96 |
| Total risk-based capital ratio | 59.2794% | 95 |
| Memoranda: | ||
| Average total assets | $36,410,330 | 5,276 |
| Average earning assets | $32,626,000 | 5,284 |
| Average equity | $3,716,670 | 5,339 |
| Average total loans | $5,179,670 | 5,486 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6326% | 5,499 |
| Cost of funding earning assets | 0.1406% | 5,307 |
| Net interest margin | 2.4921% | 5,399 |
| Noninterest income to average assets | 0.2117% | 4,741 |
| Noninterest expense to average assets | 1.7718% | 5,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4792% | 4,742 |
| Return on assets (ROA) | 0.4792% | 4,745 |
| Pretax return on assets | 0.6129% | 4,657 |
| Return on Equity (ROE) | 4.6505% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.6505% | 3,336 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2991% | 1,856 |
| Assets per employee ($millions) | 5.9970% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0908% | 141 |
| Loan loss allowance to noncurrent loans | 1,341.6667% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 3,923 |
| Noncurrent loans to loans | 0.2304% | 3,944 |
| Net loans and leases to total assets | 14.0292% | 5,537 |
| Net loans and leases to deposits | 15.6454% | 5,541 |
| Net loans and leases to core deposits | 15.6454% | 5,540 |
| Total domestic deposits to total assets | 89.6698% | 795 |
| Equity capital to assets | 10.2996% | 3,286 |
| Core capital (leverage) ratio | 10.4581% | 2,998 |
| Tier 1 risk-based capital ratio | 59.7630% | 89 |
| Total risk-based capital ratio | 61.0269% | 88 |
| Memoranda: | ||
| Average total assets | $35,895,500 | 5,348 |
| Average earning assets | $31,299,500 | 5,365 |
| Average equity | $3,698,500 | 5,396 |
| Average total loans | $5,154,500 | 5,550 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6553% | 5,510 |
| Cost of funding earning assets | 0.1328% | 5,356 |
| Net interest margin | 2.5226% | 5,394 |
| Noninterest income to average assets | 0.2663% | 4,535 |
| Noninterest expense to average assets | 1.8907% | 5,127 |
| Loan and lease loss provision to assets | 0.0498% | 3,224 |
| Net operating income to assets | 0.3600% | 4,808 |
| Return on assets (ROA) | 0.3600% | 4,827 |
| Pretax return on assets | 0.4946% | 4,940 |
| Return on Equity (ROE) | 3.3574% | 4,726 |
| Retained earnings to average equity (ytd only) | 3.3574% | 3,284 |
| Net charge-offs to loans | 0.6279% | 357 |
| Credit loss provision to net charge-offs | 48.5714% | 3,344 |
| Earnings coverage of net charge-offs (x) | 5.3143% | 3,348 |
| Efficiency ratio | 77.6442% | 1,401 |
| Assets per employee ($millions) | 5.9682% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1569% | 121 |
| Loan loss allowance to noncurrent loans | 3,220.0000% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 4,045 |
| Noncurrent loans to loans | 0.0980% | 4,554 |
| Net loans and leases to total assets | 13.7926% | 5,610 |
| Net loans and leases to deposits | 15.3868% | 5,616 |
| Net loans and leases to core deposits | 15.3868% | 5,611 |
| Total domestic deposits to total assets | 89.6395% | 712 |
| Equity capital to assets | 10.3075% | 3,381 |
| Core capital (leverage) ratio | 10.3156% | 3,054 |
| Tier 1 risk-based capital ratio | 57.6334% | 90 |
| Total risk-based capital ratio | 58.9018% | 90 |
| Memoranda: | ||
| Average total assets | $34,166,600 | 5,429 |
| Average earning assets | $29,374,800 | 5,449 |
| Average equity | $3,663,600 | 5,463 |
| Average total loans | $5,574,400 | 5,613 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6808% | 5,568 |
| Cost of funding earning assets | 0.1287% | 5,435 |
| Net interest margin | 2.5521% | 5,438 |
| Noninterest income to average assets | 0.1975% | 5,020 |
| Noninterest expense to average assets | 1.7498% | 5,325 |
| Loan and lease loss provision to assets | 0.0592% | 2,893 |
| Net operating income to assets | 0.4187% | 4,960 |
| Return on assets (ROA) | 0.4187% | 4,989 |
| Pretax return on assets | 0.5806% | 4,880 |
| Return on Equity (ROE) | 3.8649% | 4,893 |
| Retained earnings to average equity (ytd only) | 3.8649% | 3,623 |
| Net charge-offs to loans | 0.8198% | 224 |
| Credit loss provision to net charge-offs | 42.8571% | 2,986 |
| Earnings coverage of net charge-offs (x) | 4.6280% | 3,200 |
| Efficiency ratio | 73.2231% | 2,007 |
| Assets per employee ($millions) | 6.0060% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7797% | 191 |
| Loan loss allowance to noncurrent loans | 7,950.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 3,389 |
| Noncurrent loans to loans | 0.0350% | 4,962 |
| Net loans and leases to total assets | 15.4318% | 5,667 |
| Net loans and leases to deposits | 17.2210% | 5,672 |
| Net loans and leases to core deposits | 17.2210% | 5,672 |
| Total domestic deposits to total assets | 89.6104% | 616 |
| Equity capital to assets | 10.2647% | 3,623 |
| Core capital (leverage) ratio | 10.6232% | 2,855 |
| Tier 1 risk-based capital ratio | 51.0952% | 121 |
| Total risk-based capital ratio | 52.3626% | 119 |
| Memoranda: | ||
| Average total assets | $33,756,000 | 5,496 |
| Average earning assets | $28,995,250 | 5,514 |
| Average equity | $3,656,750 | 5,527 |
| Average total loans | $5,693,000 | 5,674 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6502% | 5,611 |
| Cost of funding earning assets | 0.1343% | 5,428 |
| Net interest margin | 2.5160% | 5,496 |
| Noninterest income to average assets | 0.2364% | 4,824 |
| Noninterest expense to average assets | 1.7942% | 5,319 |
| Loan and lease loss provision to assets | 0.0606% | 2,752 |
| Net operating income to assets | 0.3940% | 4,988 |
| Return on assets (ROA) | 0.3940% | 5,016 |
| Pretax return on assets | 0.5395% | 4,936 |
| Return on Equity (ROE) | 3.5688% | 4,956 |
| Retained earnings to average equity (ytd only) | 3.5688% | 3,581 |
| Net charge-offs to loans | 1.2315% | 157 |
| Credit loss provision to net charge-offs | 28.5714% | 2,735 |
| Earnings coverage of net charge-offs (x) | 2.8286% | 3,117 |
| Efficiency ratio | 74.9367% | 1,862 |
| Assets per employee ($millions) | 5.5425% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6843% | 225 |
| Loan loss allowance to noncurrent loans | 7,700.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.4450% | 3,333 |
| Noncurrent loans to loans | 0.0349% | 5,016 |
| Net loans and leases to total assets | 16.7885% | 5,703 |
| Net loans and leases to deposits | 18.8940% | 5,710 |
| Net loans and leases to core deposits | 18.8940% | 5,711 |
| Total domestic deposits to total assets | 88.8558% | 1,027 |
| Equity capital to assets | 11.0209% | 2,783 |
| Core capital (leverage) ratio | 11.2188% | 2,208 |
| Tier 1 risk-based capital ratio | 55.1413% | 97 |
| Total risk-based capital ratio | 56.4041% | 96 |
| Memoranda: | ||
| Average total assets | $32,996,000 | 5,558 |
| Average earning assets | $28,299,330 | 5,570 |
| Average equity | $3,642,670 | 5,569 |
| Average total loans | $5,684,000 | 5,723 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7238% | 5,635 |
| Cost of funding earning assets | 0.1290% | 5,496 |
| Net interest margin | 2.5948% | 5,471 |
| Noninterest income to average assets | 0.2312% | 4,891 |
| Noninterest expense to average assets | 1.8134% | 5,355 |
| Loan and lease loss provision to assets | 0.0609% | 2,584 |
| Net operating income to assets | 0.4016% | 4,933 |
| Return on assets (ROA) | 0.4016% | 4,959 |
| Pretax return on assets | 0.5598% | 4,817 |
| Return on Equity (ROE) | 3.6349% | 4,904 |
| Retained earnings to average equity (ytd only) | 3.6349% | 3,619 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5000% | 2,146 |
| Assets per employee ($millions) | 5.5393% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2665% | 135 |
| Loan loss allowance to noncurrent loans | 471.7949% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 3,009 |
| Noncurrent loans to loans | 0.6923% | 2,768 |
| Net loans and leases to total assets | 16.3949% | 5,774 |
| Net loans and leases to deposits | 18.4262% | 5,777 |
| Net loans and leases to core deposits | 18.4262% | 5,780 |
| Total domestic deposits to total assets | 88.9758% | 1,152 |
| Equity capital to assets | 10.9730% | 2,654 |
| Core capital (leverage) ratio | 10.9696% | 2,390 |
| Tier 1 risk-based capital ratio | 55.3333% | 99 |
| Total risk-based capital ratio | 56.6061% | 97 |
| Memoranda: | ||
| Average total assets | $32,866,500 | 5,623 |
| Average earning assets | $27,902,000 | 5,642 |
| Average equity | $3,631,500 | 5,630 |
| Average total loans | $5,657,500 | 5,793 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8047% | 5,640 |
| Cost of funding earning assets | 0.1293% | 5,553 |
| Net interest margin | 2.6754% | 5,449 |
| Noninterest income to average assets | 0.2283% | 5,049 |
| Noninterest expense to average assets | 1.9844% | 5,221 |
| Loan and lease loss provision to assets | 0.0643% | 3,088 |
| Net operating income to assets | 0.3731% | 5,024 |
| Return on assets (ROA) | 0.3731% | 5,107 |
| Pretax return on assets | 0.5081% | 5,007 |
| Return on Equity (ROE) | 3.2359% | 5,091 |
| Retained earnings to average equity (ytd only) | 3.2359% | 3,608 |
| Net charge-offs to loans | 0.0515% | 3,009 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 59.3333% | 901 |
| Efficiency ratio | 77.6101% | 1,755 |
| Assets per employee ($millions) | 5.4162% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1503% | 149 |
| Loan loss allowance to noncurrent loans | 483.7838% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 3,045 |
| Noncurrent loans to loans | 0.6512% | 2,906 |
| Net loans and leases to total assets | 16.9339% | 5,833 |
| Net loans and leases to deposits | 19.0540% | 5,834 |
| Net loans and leases to core deposits | 19.0540% | 5,839 |
| Total domestic deposits to total assets | 88.8728% | 1,173 |
| Equity capital to assets | 11.1272% | 2,506 |
| Core capital (leverage) ratio | 11.3069% | 2,077 |
| Tier 1 risk-based capital ratio | 53.2441% | 117 |
| Total risk-based capital ratio | 54.5093% | 116 |
| Memoranda: | ||
| Average total assets | $31,093,200 | 5,697 |
| Average earning assets | $27,061,800 | 5,707 |
| Average equity | $3,584,800 | 5,689 |
| Average total loans | $5,819,600 | 5,848 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8595% | 5,684 |
| Cost of funding earning assets | 0.1243% | 5,654 |
| Net interest margin | 2.7352% | 5,449 |
| Noninterest income to average assets | 0.2385% | 5,048 |
| Noninterest expense to average assets | 1.9213% | 5,342 |
| Loan and lease loss provision to assets | 0.0651% | 2,927 |
| Net operating income to assets | 0.4597% | 4,836 |
| Return on assets (ROA) | 0.4597% | 4,918 |
| Pretax return on assets | 0.6376% | 4,767 |
| Return on Equity (ROE) | 3.9511% | 4,919 |
| Retained earnings to average equity (ytd only) | 3.9511% | 3,494 |
| Net charge-offs to loans | 0.0910% | 2,051 |
| Credit loss provision to net charge-offs | 375.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 40.5235% | 1,231 |
| Efficiency ratio | 73.2231% | 2,401 |
| Assets per employee ($millions) | 5.3637% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8848% | 216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 3,603 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 18.0971% | 5,890 |
| Net loans and leases to deposits | 20.4165% | 5,897 |
| Net loans and leases to core deposits | 20.4165% | 5,898 |
| Total domestic deposits to total assets | 88.6396% | 1,078 |
| Equity capital to assets | 11.3076% | 2,695 |
| Core capital (leverage) ratio | 11.3895% | 2,119 |
| Tier 1 risk-based capital ratio | 48.3197% | 149 |
| Total risk-based capital ratio | 49.5783% | 149 |
| Memoranda: | ||
| Average total assets | $30,742,250 | 5,762 |
| Average earning assets | $26,810,250 | 5,772 |
| Average equity | $3,577,000 | 5,750 |
| Average total loans | $5,854,000 | 5,913 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8561% | 5,768 |
| Cost of funding earning assets | 0.1295% | 5,694 |
| Net interest margin | 2.7266% | 5,539 |
| Noninterest income to average assets | 0.2644% | 4,895 |
| Noninterest expense to average assets | 1.9496% | 5,372 |
| Loan and lease loss provision to assets | 0.0595% | 2,949 |
| Net operating income to assets | 0.4494% | 4,873 |
| Return on assets (ROA) | 0.4494% | 4,962 |
| Pretax return on assets | 0.6212% | 4,836 |
| Return on Equity (ROE) | 3.8242% | 4,978 |
| Retained earnings to average equity (ytd only) | 3.8242% | 3,454 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1206% | 2,339 |
| Assets per employee ($millions) | 5.0415% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8778% | 230 |
| Loan loss allowance to noncurrent loans | 126.6667% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.9290% | 2,295 |
| Noncurrent loans to loans | 2.2720% | 811 |
| Net loans and leases to total assets | 19.0783% | 5,951 |
| Net loans and leases to deposits | 21.6979% | 5,964 |
| Net loans and leases to core deposits | 21.6979% | 5,969 |
| Total domestic deposits to total assets | 87.9269% | 1,473 |
| Equity capital to assets | 11.9773% | 2,141 |
| Core capital (leverage) ratio | 11.9648% | 1,648 |
| Tier 1 risk-based capital ratio | 48.4466% | 142 |
| Total risk-based capital ratio | 49.7083% | 141 |
| Memoranda: | ||
| Average total assets | $30,262,330 | 5,845 |
| Average earning assets | $26,259,670 | 5,854 |
| Average equity | $3,556,330 | 5,819 |
| Average total loans | $5,806,330 | 5,991 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9045% | 5,781 |
| Cost of funding earning assets | 0.1376% | 5,694 |
| Net interest margin | 2.7669% | 5,520 |
| Noninterest income to average assets | 0.2907% | 4,647 |
| Noninterest expense to average assets | 1.9426% | 5,452 |
| Loan and lease loss provision to assets | 0.0529% | 2,880 |
| Net operating income to assets | 0.4889% | 4,678 |
| Return on assets (ROA) | 0.4889% | 4,778 |
| Pretax return on assets | 0.6872% | 4,568 |
| Return on Equity (ROE) | 4.2010% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.2010% | 3,377 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4138% | 2,737 |
| Assets per employee ($millions) | 4.9940% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8439% | 259 |
| Loan loss allowance to noncurrent loans | 2,766.6667% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 3,578 |
| Noncurrent loans to loans | 0.1028% | 5,058 |
| Net loans and leases to total assets | 18.9260% | 6,007 |
| Net loans and leases to deposits | 21.4786% | 6,017 |
| Net loans and leases to core deposits | 21.4786% | 6,024 |
| Total domestic deposits to total assets | 88.1157% | 1,582 |
| Equity capital to assets | 11.8576% | 2,112 |
| Core capital (leverage) ratio | 11.5242% | 1,955 |
| Tier 1 risk-based capital ratio | 51.0381% | 125 |
| Total risk-based capital ratio | 52.3068% | 124 |
| Memoranda: | ||
| Average total assets | $30,269,000 | 5,903 |
| Average earning assets | $26,166,000 | 5,914 |
| Average equity | $3,523,000 | 5,876 |
| Average total loans | $5,738,500 | 6,053 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8727% | 5,836 |
| Cost of funding earning assets | 0.1270% | 5,841 |
| Net interest margin | 2.7458% | 5,599 |
| Noninterest income to average assets | 0.2855% | 4,846 |
| Noninterest expense to average assets | 2.0993% | 5,258 |
| Loan and lease loss provision to assets | 0.0336% | 3,683 |
| Net operating income to assets | 0.3527% | 5,206 |
| Return on assets (ROA) | 0.3527% | 5,294 |
| Pretax return on assets | 0.4770% | 5,159 |
| Return on Equity (ROE) | 3.0238% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.0238% | 3,901 |
| Net charge-offs to loans | 0.1046% | 2,355 |
| Credit loss provision to net charge-offs | 166.6667% | 1,617 |
| Earnings coverage of net charge-offs (x) | 25.3333% | 1,633 |
| Efficiency ratio | 80.4376% | 1,617 |
| Assets per employee ($millions) | 5.0957% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8723% | 263 |
| Loan loss allowance to noncurrent loans | 4,050.0000% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 3,677 |
| Noncurrent loans to loans | 0.0709% | 5,227 |
| Net loans and leases to total assets | 17.9172% | 6,082 |
| Net loans and leases to deposits | 20.2282% | 6,090 |
| Net loans and leases to core deposits | 20.2282% | 6,092 |
| Total domestic deposits to total assets | 88.5753% | 1,340 |
| Equity capital to assets | 11.4247% | 2,422 |
| Core capital (leverage) ratio | 11.5489% | 1,922 |
| Tier 1 risk-based capital ratio | 49.1029% | 132 |
| Total risk-based capital ratio | 50.3645% | 131 |
| Memoranda: | ||
| Average total assets | $29,771,600 | 5,961 |
| Average earning assets | $25,202,400 | 5,983 |
| Average equity | $3,472,400 | 5,929 |
| Average total loans | $5,735,200 | 6,107 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8611% | 5,924 |
| Cost of funding earning assets | 0.1274% | 5,934 |
| Net interest margin | 2.7337% | 5,686 |
| Noninterest income to average assets | 0.3021% | 4,775 |
| Noninterest expense to average assets | 2.0470% | 5,386 |
| Loan and lease loss provision to assets | 0.0451% | 3,311 |
| Net operating income to assets | 0.3923% | 5,189 |
| Return on assets (ROA) | 0.3923% | 5,281 |
| Pretax return on assets | 0.5320% | 5,145 |
| Return on Equity (ROE) | 3.3456% | 5,270 |
| Retained earnings to average equity (ytd only) | 3.3456% | 4,091 |
| Net charge-offs to loans | 0.0464% | 2,963 |
| Credit loss provision to net charge-offs | 500.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 63.9176% | 874 |
| Efficiency ratio | 78.0069% | 1,941 |
| Assets per employee ($millions) | 4.9448% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7235% | 329 |
| Loan loss allowance to noncurrent loans | 1,037.5000% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 3,665 |
| Noncurrent loans to loans | 0.2625% | 4,638 |
| Net loans and leases to total assets | 19.9838% | 6,136 |
| Net loans and leases to deposits | 22.7060% | 6,151 |
| Net loans and leases to core deposits | 22.7060% | 6,161 |
| Total domestic deposits to total assets | 88.0111% | 1,545 |
| Equity capital to assets | 11.8811% | 2,187 |
| Core capital (leverage) ratio | 11.7856% | 1,830 |
| Tier 1 risk-based capital ratio | 45.8070% | 170 |
| Total risk-based capital ratio | 47.0689% | 166 |
| Memoranda: | ||
| Average total assets | $29,571,000 | 6,046 |
| Average earning assets | $25,118,250 | 6,064 |
| Average equity | $3,467,250 | 6,008 |
| Average total loans | $5,759,000 | 6,191 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7832% | 6,028 |
| Cost of funding earning assets | 0.1269% | 6,003 |
| Net interest margin | 2.6563% | 5,816 |
| Noninterest income to average assets | 0.2844% | 4,928 |
| Noninterest expense to average assets | 2.0854% | 5,372 |
| Loan and lease loss provision to assets | 0.0339% | 3,435 |
| Net operating income to assets | 0.3250% | 5,370 |
| Return on assets (ROA) | 0.3250% | 5,468 |
| Pretax return on assets | 0.4333% | 5,388 |
| Return on Equity (ROE) | 2.7842% | 5,481 |
| Retained earnings to average equity (ytd only) | 2.7842% | 4,277 |
| Net charge-offs to loans | 0.0708% | 2,377 |
| Credit loss provision to net charge-offs | 250.0000% | 1,047 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 1,243 |
| Efficiency ratio | 81.6976% | 1,532 |
| Assets per employee ($millions) | 4.8857% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6642% | 391 |
| Loan loss allowance to noncurrent loans | 1,150.0000% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.5458% | 3,792 |
| Noncurrent loans to loans | 0.2317% | 4,844 |
| Net loans and leases to total assets | 20.0655% | 6,205 |
| Net loans and leases to deposits | 22.7781% | 6,223 |
| Net loans and leases to core deposits | 22.7781% | 6,229 |
| Total domestic deposits to total assets | 88.0910% | 1,601 |
| Equity capital to assets | 11.8442% | 2,141 |
| Core capital (leverage) ratio | 11.8391% | 1,754 |
| Tier 1 risk-based capital ratio | 48.9350% | 157 |
| Total risk-based capital ratio | 50.1988% | 156 |
| Memoranda: | ||
| Average total assets | $29,538,330 | 6,114 |
| Average earning assets | $25,223,000 | 6,126 |
| Average equity | $3,448,000 | 6,073 |
| Average total loans | $5,647,000 | 6,267 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8504% | 6,031 |
| Cost of funding earning assets | 0.1288% | 6,070 |
| Net interest margin | 2.7216% | 5,772 |
| Noninterest income to average assets | 0.2833% | 4,911 |
| Noninterest expense to average assets | 2.0506% | 5,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3777% | 5,149 |
| Return on assets (ROA) | 0.3777% | 5,270 |
| Pretax return on assets | 0.5126% | 5,146 |
| Return on Equity (ROE) | 3.2596% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.2596% | 4,030 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,897 |
| Assets per employee ($millions) | 4.8407% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8285% | 357 |
| Loan loss allowance to noncurrent loans | 987.5000% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 3,804 |
| Noncurrent loans to loans | 0.2864% | 4,748 |
| Net loans and leases to total assets | 18.6889% | 6,285 |
| Net loans and leases to deposits | 21.2371% | 6,293 |
| Net loans and leases to core deposits | 21.2371% | 6,298 |
| Total domestic deposits to total assets | 88.0010% | 1,821 |
| Equity capital to assets | 11.9026% | 2,104 |
| Core capital (leverage) ratio | 11.5385% | 1,970 |
| Tier 1 risk-based capital ratio | 51.2491% | 147 |
| Total risk-based capital ratio | 52.5056% | 145 |
| Memoranda: | ||
| Average total assets | $29,650,500 | 6,178 |
| Average earning assets | $24,838,500 | 6,199 |
| Average equity | $3,436,000 | 6,134 |
| Average total loans | $5,449,000 | 6,336 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9964% | 6,067 |
| Cost of funding earning assets | 0.1312% | 6,192 |
| Net interest margin | 2.8652% | 5,706 |
| Noninterest income to average assets | 0.3791% | 4,351 |
| Noninterest expense to average assets | 2.3783% | 4,899 |
| Loan and lease loss provision to assets | 0.0644% | 3,223 |
| Net operating income to assets | 0.2782% | 5,577 |
| Return on assets (ROA) | 0.2754% | 5,654 |
| Pretax return on assets | 0.3541% | 5,595 |
| Return on Equity (ROE) | 2.2754% | 5,697 |
| Retained earnings to average equity (ytd only) | 2.2754% | 4,619 |
| Net charge-offs to loans | 0.3068% | 1,440 |
| Credit loss provision to net charge-offs | 105.8824% | 2,264 |
| Earnings coverage of net charge-offs (x) | 6.9412% | 3,114 |
| Efficiency ratio | 84.9298% | 1,297 |
| Assets per employee ($millions) | 5.0428% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9744% | 309 |
| Loan loss allowance to noncurrent loans | 1,975.0000% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 4,101 |
| Noncurrent loans to loans | 0.1506% | 5,294 |
| Net loans and leases to total assets | 17.0341% | 6,401 |
| Net loans and leases to deposits | 19.2091% | 6,412 |
| Net loans and leases to core deposits | 19.2091% | 6,414 |
| Total domestic deposits to total assets | 88.6770% | 1,423 |
| Equity capital to assets | 11.2866% | 2,612 |
| Core capital (leverage) ratio | 11.5649% | 1,931 |
| Tier 1 risk-based capital ratio | 52.8543% | 121 |
| Total risk-based capital ratio | 54.1142% | 119 |
| Memoranda: | ||
| Average total assets | $27,961,400 | 6,293 |
| Average earning assets | $23,628,600 | 6,302 |
| Average equity | $3,384,000 | 6,202 |
| Average total loans | $5,540,400 | 6,426 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0020% | 6,139 |
| Cost of funding earning assets | 0.1308% | 6,285 |
| Net interest margin | 2.8713% | 5,759 |
| Noninterest income to average assets | 0.3651% | 4,506 |
| Noninterest expense to average assets | 2.2978% | 5,114 |
| Loan and lease loss provision to assets | 0.0633% | 3,087 |
| Net operating income to assets | 0.3494% | 5,426 |
| Return on assets (ROA) | 0.3456% | 5,512 |
| Pretax return on assets | 0.4576% | 5,445 |
| Return on Equity (ROE) | 2.8037% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.8037% | 4,609 |
| Net charge-offs to loans | 0.3573% | 1,129 |
| Credit loss provision to net charge-offs | 86.6667% | 2,484 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 2,961 |
| Efficiency ratio | 81.3793% | 1,694 |
| Assets per employee ($millions) | 4.8578% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6343% | 541 |
| Loan loss allowance to noncurrent loans | 344.4444% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6553% | 3,872 |
| Noncurrent loans to loans | 0.7648% | 3,680 |
| Net loans and leases to total assets | 19.6555% | 6,453 |
| Net loans and leases to deposits | 22.2823% | 6,471 |
| Net loans and leases to core deposits | 22.2823% | 6,468 |
| Total domestic deposits to total assets | 88.2115% | 1,649 |
| Equity capital to assets | 11.6787% | 2,333 |
| Core capital (leverage) ratio | 12.2588% | 1,541 |
| Tier 1 risk-based capital ratio | 49.9485% | 134 |
| Total risk-based capital ratio | 51.2148% | 133 |
| Memoranda: | ||
| Average total assets | $27,387,500 | 6,380 |
| Average earning assets | $23,450,250 | 6,383 |
| Average equity | $3,376,250 | 6,272 |
| Average total loans | $5,597,500 | 6,502 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9323% | 6,236 |
| Cost of funding earning assets | 0.1297% | 6,362 |
| Net interest margin | 2.8026% | 5,901 |
| Noninterest income to average assets | 0.3582% | 4,554 |
| Noninterest expense to average assets | 2.2686% | 5,234 |
| Loan and lease loss provision to assets | 0.0597% | 3,077 |
| Net operating income to assets | 0.3358% | 5,448 |
| Return on assets (ROA) | 0.3358% | 5,518 |
| Pretax return on assets | 0.4477% | 5,429 |
| Return on Equity (ROE) | 2.6730% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.6730% | 4,505 |
| Net charge-offs to loans | 0.4362% | 940 |
| Credit loss provision to net charge-offs | 66.6667% | 2,524 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,890 |
| Efficiency ratio | 81.7204% | 1,774 |
| Assets per employee ($millions) | 4.3422% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5521% | 668 |
| Loan loss allowance to noncurrent loans | 2,550.0000% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 4,236 |
| Noncurrent loans to loans | 0.1001% | 5,718 |
| Net loans and leases to total assets | 22.4235% | 6,478 |
| Net loans and leases to deposits | 25.8164% | 6,494 |
| Net loans and leases to core deposits | 25.8164% | 6,495 |
| Total domestic deposits to total assets | 86.8576% | 2,543 |
| Equity capital to assets | 13.0350% | 1,354 |
| Core capital (leverage) ratio | 12.8966% | 1,197 |
| Tier 1 risk-based capital ratio | 52.7834% | 120 |
| Total risk-based capital ratio | 54.0536% | 117 |
| Memoranda: | ||
| Average total assets | $26,801,000 | 6,454 |
| Average earning assets | $23,121,670 | 6,455 |
| Average equity | $3,367,000 | 6,323 |
| Average total loans | $5,502,000 | 6,569 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9549% | 6,278 |
| Cost of funding earning assets | 0.1399% | 6,400 |
| Net interest margin | 2.8151% | 5,907 |
| Noninterest income to average assets | 0.3238% | 4,776 |
| Noninterest expense to average assets | 2.3404% | 5,092 |
| Loan and lease loss provision to assets | 0.0589% | 2,936 |
| Net operating income to assets | 0.2355% | 5,700 |
| Return on assets (ROA) | 0.2355% | 5,746 |
| Pretax return on assets | 0.2944% | 5,730 |
| Return on Equity (ROE) | 1.9090% | 5,806 |
| Retained earnings to average equity (ytd only) | 1.9090% | 4,828 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8852% | 1,351 |
| Assets per employee ($millions) | 4.4145% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0093% | 428 |
| Loan loss allowance to noncurrent loans | 894.4444% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 4,269 |
| Noncurrent loans to loans | 0.3364% | 5,106 |
| Net loans and leases to total assets | 19.5907% | 6,583 |
| Net loans and leases to deposits | 22.4496% | 6,594 |
| Net loans and leases to core deposits | 22.4496% | 6,598 |
| Total domestic deposits to total assets | 87.2655% | 2,659 |
| Equity capital to assets | 12.6817% | 1,468 |
| Core capital (leverage) ratio | 12.3423% | 1,458 |
| Tier 1 risk-based capital ratio | 55.0569% | 109 |
| Total risk-based capital ratio | 56.3273% | 107 |
| Memoranda: | ||
| Average total assets | $27,175,000 | 6,512 |
| Average earning assets | $22,877,000 | 6,531 |
| Average equity | $3,352,500 | 6,375 |
| Average total loans | $5,255,500 | 6,645 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0547% | 6,282 |
| Cost of funding earning assets | 0.1328% | 6,599 |
| Net interest margin | 2.9219% | 5,747 |
| Noninterest income to average assets | 0.4090% | 4,383 |
| Noninterest expense to average assets | 2.3890% | 5,104 |
| Loan and lease loss provision to assets | 0.0764% | 3,580 |
| Net operating income to assets | 0.2408% | 5,714 |
| Return on assets (ROA) | 0.2408% | 5,780 |
| Pretax return on assets | 0.2981% | 5,736 |
| Return on Equity (ROE) | 1.8848% | 5,882 |
| Retained earnings to average equity (ytd only) | 1.8848% | 4,897 |
| Net charge-offs to loans | 0.3751% | 1,798 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.9000% | 3,428 |
| Efficiency ratio | 86.4454% | 1,371 |
| Assets per employee ($millions) | 4.6438% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0420% | 446 |
| Loan loss allowance to noncurrent loans | 1,427.2727% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 4,544 |
| Noncurrent loans to loans | 0.2131% | 5,541 |
| Net loans and leases to total assets | 17.9593% | 6,692 |
| Net loans and leases to deposits | 20.4170% | 6,700 |
| Net loans and leases to core deposits | 20.4170% | 6,696 |
| Total domestic deposits to total assets | 87.9625% | 2,197 |
| Equity capital to assets | 12.0088% | 1,803 |
| Core capital (leverage) ratio | 11.9011% | 1,676 |
| Tier 1 risk-based capital ratio | 55.7683% | 105 |
| Total risk-based capital ratio | 57.0277% | 104 |
| Memoranda: | ||
| Average total assets | $26,161,800 | 6,604 |
| Average earning assets | $21,082,200 | 6,635 |
| Average equity | $3,342,600 | 6,468 |
| Average total loans | $5,332,000 | 6,726 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1367% | 6,275 |
| Cost of funding earning assets | 0.1299% | 6,701 |
| Net interest margin | 3.0069% | 5,575 |
| Noninterest income to average assets | 0.3989% | 4,548 |
| Noninterest expense to average assets | 2.3831% | 5,070 |
| Loan and lease loss provision to assets | 0.0777% | 3,505 |
| Net operating income to assets | 0.2694% | 5,714 |
| Return on assets (ROA) | 0.2694% | 5,823 |
| Pretax return on assets | 0.3367% | 5,784 |
| Return on Equity (ROE) | 2.0747% | 5,916 |
| Retained earnings to average equity (ytd only) | 2.0747% | 5,088 |
| Net charge-offs to loans | 0.3721% | 1,709 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 5.3330% | 3,219 |
| Efficiency ratio | 85.1852% | 1,446 |
| Assets per employee ($millions) | 4.0561% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9096% | 611 |
| Loan loss allowance to noncurrent loans | 275.4386% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 4,318 |
| Noncurrent loans to loans | 1.0563% | 3,688 |
| Net loans and leases to total assets | 18.4517% | 6,765 |
| Net loans and leases to deposits | 20.9418% | 6,781 |
| Net loans and leases to core deposits | 20.9418% | 6,780 |
| Total domestic deposits to total assets | 88.1097% | 2,051 |
| Equity capital to assets | 11.8022% | 2,046 |
| Core capital (leverage) ratio | 12.3766% | 1,482 |
| Tier 1 risk-based capital ratio | 52.9685% | 117 |
| Total risk-based capital ratio | 54.2327% | 117 |
| Memoranda: | ||
| Average total assets | $25,736,500 | 6,687 |
| Average earning assets | $20,530,250 | 6,719 |
| Average equity | $3,341,750 | 6,542 |
| Average total loans | $5,374,750 | 6,802 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2184% | 6,205 |
| Cost of funding earning assets | 0.1316% | 6,753 |
| Net interest margin | 3.0868% | 5,311 |
| Noninterest income to average assets | 0.4185% | 4,387 |
| Noninterest expense to average assets | 2.4949% | 4,754 |
| Loan and lease loss provision to assets | 0.0563% | 3,875 |
| Net operating income to assets | 0.2575% | 5,752 |
| Return on assets (ROA) | 0.2575% | 5,882 |
| Pretax return on assets | 0.3219% | 5,812 |
| Return on Equity (ROE) | 1.9169% | 5,978 |
| Retained earnings to average equity (ytd only) | 1.9169% | 5,049 |
| Net charge-offs to loans | 0.5589% | 1,180 |
| Credit loss provision to net charge-offs | 46.6667% | 3,279 |
| Earnings coverage of net charge-offs (x) | 3.1333% | 3,486 |
| Efficiency ratio | 86.8347% | 1,331 |
| Assets per employee ($millions) | 3.5694% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6512% | 824 |
| Loan loss allowance to noncurrent loans | 931.2500% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 4,610 |
| Noncurrent loans to loans | 0.2847% | 5,589 |
| Net loans and leases to total assets | 21.8963% | 6,766 |
| Net loans and leases to deposits | 25.2819% | 6,776 |
| Net loans and leases to core deposits | 25.2819% | 6,790 |
| Total domestic deposits to total assets | 86.6085% | 3,054 |
| Equity capital to assets | 13.3195% | 1,212 |
| Core capital (leverage) ratio | 13.5307% | 965 |
| Tier 1 risk-based capital ratio | 51.9583% | 119 |
| Total risk-based capital ratio | 53.2217% | 119 |
| Memoranda: | ||
| Average total assets | $24,851,000 | 6,752 |
| Average earning assets | $19,761,670 | 6,783 |
| Average equity | $3,338,670 | 6,593 |
| Average total loans | $5,367,670 | 6,851 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3878% | 5,970 |
| Cost of funding earning assets | 0.1217% | 6,858 |
| Net interest margin | 3.2661% | 4,650 |
| Noninterest income to average assets | 0.3874% | 4,562 |
| Noninterest expense to average assets | 2.5017% | 4,742 |
| Loan and lease loss provision to assets | 0.0646% | 3,549 |
| Net operating income to assets | 0.3228% | 5,484 |
| Return on assets (ROA) | 0.3228% | 5,617 |
| Pretax return on assets | 0.4196% | 5,503 |
| Return on Equity (ROE) | 2.3923% | 5,817 |
| Retained earnings to average equity (ytd only) | 2.3923% | 4,832 |
| Net charge-offs to loans | 1.1447% | 519 |
| Credit loss provision to net charge-offs | 26.6667% | 2,934 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,166 |
| Efficiency ratio | 83.7838% | 1,799 |
| Assets per employee ($millions) | 3.5029% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8207% | 804 |
| Loan loss allowance to noncurrent loans | 347.6190% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.7667% | 4,458 |
| Noncurrent loans to loans | 0.8114% | 4,502 |
| Net loans and leases to total assets | 20.5139% | 6,847 |
| Net loans and leases to deposits | 23.8016% | 6,861 |
| Net loans and leases to core deposits | 23.8016% | 6,869 |
| Total domestic deposits to total assets | 86.1868% | 3,426 |
| Equity capital to assets | 13.6460% | 1,161 |
| Core capital (leverage) ratio | 13.3382% | 1,002 |
| Tier 1 risk-based capital ratio | 56.6246% | 105 |
| Total risk-based capital ratio | 57.8856% | 103 |
| Memoranda: | ||
| Average total assets | $24,783,500 | 6,822 |
| Average earning assets | $19,718,000 | 6,859 |
| Average equity | $3,344,000 | 6,654 |
| Average total loans | $5,241,500 | 6,927 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5288% | 6,324 |
| Cost of funding earning assets | 0.1418% | 6,941 |
| Net interest margin | 3.3870% | 4,931 |
| Noninterest income to average assets | 0.4035% | 4,578 |
| Noninterest expense to average assets | 2.7918% | 4,052 |
| Loan and lease loss provision to assets | 0.0618% | 4,997 |
| Net operating income to assets | 0.1711% | 5,839 |
| Return on assets (ROA) | 0.2224% | 5,917 |
| Pretax return on assets | 0.2677% | 5,884 |
| Return on Equity (ROE) | 1.6108% | 6,000 |
| Retained earnings to average equity (ytd only) | 1.6108% | 5,063 |
| Net charge-offs to loans | 0.0740% | 4,940 |
| Credit loss provision to net charge-offs | 375.0000% | 649 |
| Earnings coverage of net charge-offs (x) | 16.2500% | 1,588 |
| Efficiency ratio | 91.2517% | 966 |
| Assets per employee ($millions) | 3.5781% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9584% | 692 |
| Loan loss allowance to noncurrent loans | 149.5238% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.7107% | 4,703 |
| Noncurrent loans to loans | 1.9785% | 2,719 |
| Net loans and leases to total assets | 20.5613% | 6,918 |
| Net loans and leases to deposits | 23.7722% | 6,934 |
| Net loans and leases to core deposits | 23.7722% | 6,933 |
| Total domestic deposits to total assets | 86.4934% | 3,102 |
| Equity capital to assets | 13.3429% | 1,290 |
| Core capital (leverage) ratio | 13.2150% | 1,042 |
| Tier 1 risk-based capital ratio | 62.0126% | 91 |
| Total risk-based capital ratio | 63.2870% | 91 |
| Memoranda: | ||
| Average total assets | $24,285,000 | 6,886 |
| Average earning assets | $19,043,200 | 6,924 |
| Average equity | $3,352,400 | 6,719 |
| Average total loans | $5,404,400 | 6,991 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5979% | 6,398 |
| Cost of funding earning assets | 0.1403% | 7,056 |
| Net interest margin | 3.4577% | 4,814 |
| Noninterest income to average assets | 0.4150% | 4,520 |
| Noninterest expense to average assets | 2.7668% | 4,103 |
| Loan and lease loss provision to assets | 0.0830% | 4,584 |
| Net operating income to assets | 0.2332% | 5,832 |
| Return on assets (ROA) | 0.2988% | 5,821 |
| Pretax return on assets | 0.3763% | 5,773 |
| Return on Equity (ROE) | 2.1461% | 5,985 |
| Retained earnings to average equity (ytd only) | 2.1461% | 5,255 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0282% | 1,191 |
| Assets per employee ($millions) | 3.5260% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8843% | 816 |
| Loan loss allowance to noncurrent loans | 151.8868% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.7252% | 4,870 |
| Noncurrent loans to loans | 1.8990% | 2,962 |
| Net loans and leases to total assets | 21.9634% | 7,001 |
| Net loans and leases to deposits | 25.4854% | 7,014 |
| Net loans and leases to core deposits | 25.4854% | 7,024 |
| Total domestic deposits to total assets | 86.1802% | 3,158 |
| Equity capital to assets | 13.6213% | 1,295 |
| Core capital (leverage) ratio | 13.6168% | 975 |
| Tier 1 risk-based capital ratio | 57.8835% | 104 |
| Total risk-based capital ratio | 59.1619% | 102 |
| Memoranda: | ||
| Average total assets | $24,094,500 | 6,980 |
| Average earning assets | $19,010,500 | 7,014 |
| Average equity | $3,355,000 | 6,803 |
| Average total loans | $5,428,750 | 7,085 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 6,537 |
| Cost of funding earning assets | 0.1473% | 7,124 |
| Net interest margin | 3.4099% | 5,042 |
| Noninterest income to average assets | 0.4101% | 4,581 |
| Noninterest expense to average assets | 2.8202% | 3,935 |
| Loan and lease loss provision to assets | 0.0837% | 4,548 |
| Net operating income to assets | 0.1757% | 5,990 |
| Return on assets (ROA) | 0.2762% | 5,881 |
| Pretax return on assets | 0.3431% | 5,848 |
| Return on Equity (ROE) | 1.9686% | 6,050 |
| Retained earnings to average equity (ytd only) | 1.9686% | 5,212 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3485% | 1,049 |
| Assets per employee ($millions) | 3.3334% | 5,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6994% | 1,036 |
| Loan loss allowance to noncurrent loans | 147.1698% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.7671% | 4,875 |
| Noncurrent loans to loans | 1.8342% | 3,173 |
| Net loans and leases to total assets | 24.0979% | 7,033 |
| Net loans and leases to deposits | 28.2024% | 7,039 |
| Net loans and leases to core deposits | 28.2024% | 7,052 |
| Total domestic deposits to total assets | 85.4461% | 3,641 |
| Equity capital to assets | 14.3653% | 954 |
| Core capital (leverage) ratio | 13.9974% | 807 |
| Tier 1 risk-based capital ratio | 55.5289% | 109 |
| Total risk-based capital ratio | 56.7975% | 109 |
| Memoranda: | ||
| Average total assets | $23,898,670 | 7,041 |
| Average earning assets | $19,003,670 | 7,070 |
| Average equity | $3,352,670 | 6,841 |
| Average total loans | $5,377,670 | 7,146 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 6,433 |
| Cost of funding earning assets | 0.1457% | 7,202 |
| Net interest margin | 3.5584% | 4,450 |
| Noninterest income to average assets | 0.3639% | 4,964 |
| Noninterest expense to average assets | 2.8618% | 3,779 |
| Loan and lease loss provision to assets | 0.0827% | 4,354 |
| Net operating income to assets | 0.1925% | 6,009 |
| Return on assets (ROA) | 0.3474% | 5,661 |
| Pretax return on assets | 0.4466% | 5,594 |
| Return on Equity (ROE) | 2.5052% | 5,903 |
| Retained earnings to average equity (ytd only) | 2.5052% | 5,006 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6373% | 1,128 |
| Assets per employee ($millions) | 3.3671% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8955% | 916 |
| Loan loss allowance to noncurrent loans | 408.1081% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 5,689 |
| Noncurrent loans to loans | 0.7095% | 5,244 |
| Net loans and leases to total assets | 21.4849% | 7,121 |
| Net loans and leases to deposits | 25.0979% | 7,135 |
| Net loans and leases to core deposits | 25.0979% | 7,144 |
| Total domestic deposits to total assets | 85.6046% | 3,736 |
| Equity capital to assets | 14.1748% | 959 |
| Core capital (leverage) ratio | 13.3166% | 1,015 |
| Tier 1 risk-based capital ratio | 63.0273% | 87 |
| Total risk-based capital ratio | 64.2969% | 86 |
| Memoranda: | ||
| Average total assets | $24,181,000 | 7,095 |
| Average earning assets | $19,222,000 | 7,129 |
| Average equity | $3,353,000 | 6,886 |
| Average total loans | $5,177,000 | 7,213 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8635% | 6,660 |
| Cost of funding earning assets | 0.1427% | 7,282 |
| Net interest margin | 3.7208% | 4,205 |
| Noninterest income to average assets | 0.4185% | 4,466 |
| Noninterest expense to average assets | 3.1408% | 3,061 |
| Loan and lease loss provision to assets | 0.0900% | 5,461 |
| Net operating income to assets | 0.1982% | 5,596 |
| Return on assets (ROA) | 0.2430% | 5,592 |
| Pretax return on assets | 0.2925% | 5,574 |
| Return on Equity (ROE) | 1.6236% | 5,802 |
| Retained earnings to average equity (ytd only) | 1.6236% | 5,055 |
| Net charge-offs to loans | 0.6291% | 2,572 |
| Credit loss provision to net charge-offs | 58.8235% | 5,196 |
| Earnings coverage of net charge-offs (x) | 2.1471% | 4,175 |
| Efficiency ratio | 90.5318% | 1,147 |
| Assets per employee ($millions) | 3.5417% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8410% | 936 |
| Loan loss allowance to noncurrent loans | 339.5349% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 5,790 |
| Noncurrent loans to loans | 0.8367% | 5,016 |
| Net loans and leases to total assets | 20.1396% | 7,202 |
| Net loans and leases to deposits | 23.3733% | 7,217 |
| Net loans and leases to core deposits | 23.3733% | 7,222 |
| Total domestic deposits to total assets | 86.1649% | 3,220 |
| Equity capital to assets | 13.5729% | 1,232 |
| Core capital (leverage) ratio | 13.5001% | 965 |
| Tier 1 risk-based capital ratio | 64.0048% | 81 |
| Total risk-based capital ratio | 65.2825% | 81 |
| Memoranda: | ||
| Average total assets | $22,223,800 | 7,156 |
| Average earning assets | $18,222,000 | 7,181 |
| Average equity | $3,326,000 | 6,925 |
| Average total loans | $5,404,400 | 7,259 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 6,636 |
| Cost of funding earning assets | 0.1486% | 7,361 |
| Net interest margin | 3.8193% | 3,771 |
| Noninterest income to average assets | 0.4139% | 4,555 |
| Noninterest expense to average assets | 3.1878% | 2,860 |
| Loan and lease loss provision to assets | 0.0927% | 5,305 |
| Net operating income to assets | 0.2489% | 5,574 |
| Return on assets (ROA) | 0.3089% | 5,537 |
| Pretax return on assets | 0.3831% | 5,520 |
| Return on Equity (ROE) | 2.0104% | 5,774 |
| Retained earnings to average equity (ytd only) | 2.0104% | 5,132 |
| Net charge-offs to loans | 0.4875% | 2,792 |
| Credit loss provision to net charge-offs | 75.0000% | 4,316 |
| Earnings coverage of net charge-offs (x) | 3.2493% | 3,523 |
| Efficiency ratio | 88.8124% | 1,265 |
| Assets per employee ($millions) | 3.3407% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8141% | 1,022 |
| Loan loss allowance to noncurrent loans | 128.0992% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 5,793 |
| Noncurrent loans to loans | 2.1968% | 3,117 |
| Net loans and leases to total assets | 22.8907% | 7,247 |
| Net loans and leases to deposits | 26.8523% | 7,258 |
| Net loans and leases to core deposits | 26.8523% | 7,268 |
| Total domestic deposits to total assets | 85.2470% | 3,647 |
| Equity capital to assets | 14.4195% | 1,019 |
| Core capital (leverage) ratio | 15.0689% | 649 |
| Tier 1 risk-based capital ratio | 47.9054% | 159 |
| Total risk-based capital ratio | 49.1622% | 159 |
| Memoranda: | ||
| Average total assets | $21,581,750 | 7,242 |
| Average earning assets | $17,943,500 | 7,259 |
| Average equity | $3,316,250 | 6,986 |
| Average total loans | $5,470,750 | 7,328 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 6,749 |
| Cost of funding earning assets | 0.1577% | 7,437 |
| Net interest margin | 3.7853% | 3,859 |
| Noninterest income to average assets | 0.4290% | 4,432 |
| Noninterest expense to average assets | 3.2315% | 2,801 |
| Loan and lease loss provision to assets | 0.0953% | 5,138 |
| Net operating income to assets | 0.2513% | 5,556 |
| Return on assets (ROA) | 0.2669% | 5,619 |
| Pretax return on assets | 0.3241% | 5,615 |
| Return on Equity (ROE) | 1.6982% | 5,888 |
| Retained earnings to average equity (ytd only) | 1.6982% | 5,145 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9764% | 1,323 |
| Assets per employee ($millions) | 2.8219% | 6,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0281% | 871 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.6885% | 5,532 |
| Noncurrent loans to loans | 2.4225% | 2,965 |
| Net loans and leases to total assets | 27.5604% | 7,254 |
| Net loans and leases to deposits | 33.2275% | 7,241 |
| Net loans and leases to core deposits | 33.2275% | 7,272 |
| Total domestic deposits to total assets | 82.9444% | 4,780 |
| Equity capital to assets | 16.7974% | 506 |
| Core capital (leverage) ratio | 16.1397% | 489 |
| Tier 1 risk-based capital ratio | 52.5794% | 139 |
| Total risk-based capital ratio | 53.8525% | 138 |
| Memoranda: | ||
| Average total assets | $20,980,670 | 7,325 |
| Average earning assets | $17,752,670 | 7,335 |
| Average equity | $3,297,670 | 7,041 |
| Average total loans | $5,458,330 | 7,404 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 6,586 |
| Cost of funding earning assets | 0.1794% | 7,489 |
| Net interest margin | 3.8792% | 3,244 |
| Noninterest income to average assets | 0.4446% | 4,329 |
| Noninterest expense to average assets | 3.0749% | 3,360 |
| Loan and lease loss provision to assets | 0.0926% | 4,858 |
| Net operating income to assets | 0.3612% | 5,118 |
| Return on assets (ROA) | 0.3890% | 5,089 |
| Pretax return on assets | 0.5187% | 4,964 |
| Return on Equity (ROE) | 2.5551% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.5551% | 4,632 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2640% | 1,922 |
| Assets per employee ($millions) | 2.9151% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9924% | 923 |
| Loan loss allowance to noncurrent loans | 120.4380% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 5,615 |
| Noncurrent loans to loans | 2.4846% | 3,007 |
| Net loans and leases to total assets | 26.2129% | 7,338 |
| Net loans and leases to deposits | 31.3155% | 7,336 |
| Net loans and leases to core deposits | 31.3155% | 7,366 |
| Total domestic deposits to total assets | 83.7058% | 4,619 |
| Equity capital to assets | 16.0639% | 564 |
| Core capital (leverage) ratio | 15.3211% | 603 |
| Tier 1 risk-based capital ratio | 52.3511% | 138 |
| Total risk-based capital ratio | 53.6215% | 138 |
| Memoranda: | ||
| Average total assets | $21,594,500 | 7,367 |
| Average earning assets | $17,838,500 | 7,387 |
| Average equity | $3,287,500 | 7,085 |
| Average total loans | $5,380,500 | 7,466 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3284% | 6,736 |
| Cost of funding earning assets | 0.2159% | 7,544 |
| Net interest margin | 4.1125% | 2,511 |
| Noninterest income to average assets | 0.4661% | 4,405 |
| Noninterest expense to average assets | 3.4338% | 2,345 |
| Loan and lease loss provision to assets | 0.0476% | 6,686 |
| Net operating income to assets | 0.3350% | 4,806 |
| Return on assets (ROA) | 0.3424% | 4,939 |
| Pretax return on assets | 0.4376% | 4,830 |
| Return on Equity (ROE) | 2.1881% | 5,316 |
| Retained earnings to average equity (ytd only) | 2.1881% | 4,361 |
| Net charge-offs to loans | 0.5652% | 3,356 |
| Credit loss provision to net charge-offs | 33.3333% | 6,470 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 3,411 |
| Efficiency ratio | 87.8345% | 1,495 |
| Assets per employee ($millions) | 3.2547% | 5,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0494% | 834 |
| Loan loss allowance to noncurrent loans | 105.9603% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 5,677 |
| Noncurrent loans to loans | 2.8778% | 2,646 |
| Net loans and leases to total assets | 22.3281% | 7,494 |
| Net loans and leases to deposits | 26.1731% | 7,509 |
| Net loans and leases to core deposits | 26.1731% | 7,509 |
| Total domestic deposits to total assets | 85.3092% | 3,714 |
| Equity capital to assets | 14.4713% | 911 |
| Core capital (leverage) ratio | 14.3625% | 775 |
| Tier 1 risk-based capital ratio | 51.3857% | 140 |
| Total risk-based capital ratio | 52.6573% | 139 |
| Memoranda: | ||
| Average total assets | $21,026,000 | 7,439 |
| Average earning assets | $17,604,800 | 7,460 |
| Average equity | $3,290,600 | 7,194 |
| Average total loans | $5,307,600 | 7,551 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 6,640 |
| Cost of funding earning assets | 0.2140% | 7,671 |
| Net interest margin | 4.2721% | 1,944 |
| Noninterest income to average assets | 0.4728% | 4,394 |
| Noninterest expense to average assets | 3.4390% | 2,184 |
| Loan and lease loss provision to assets | 0.0648% | 6,418 |
| Net operating income to assets | 0.4436% | 4,573 |
| Return on assets (ROA) | 0.4533% | 4,713 |
| Pretax return on assets | 0.6023% | 4,589 |
| Return on Equity (ROE) | 2.8376% | 5,285 |
| Retained earnings to average equity (ytd only) | 2.8376% | 4,437 |
| Net charge-offs to loans | 0.2005% | 4,741 |
| Credit loss provision to net charge-offs | 125.0000% | 3,279 |
| Earnings coverage of net charge-offs (x) | 12.6204% | 1,669 |
| Efficiency ratio | 84.0190% | 1,836 |
| Assets per employee ($millions) | 3.1669% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4411% | 565 |
| Loan loss allowance to noncurrent loans | 171.6981% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4782% | 6,229 |
| Noncurrent loans to loans | 2.0042% | 3,670 |
| Net loans and leases to total assets | 23.0377% | 7,580 |
| Net loans and leases to deposits | 27.2985% | 7,599 |
| Net loans and leases to core deposits | 27.2985% | 7,604 |
| Total domestic deposits to total assets | 84.3919% | 3,920 |
| Equity capital to assets | 15.1389% | 858 |
| Core capital (leverage) ratio | 15.1559% | 684 |
| Tier 1 risk-based capital ratio | 52.0747% | 143 |
| Total risk-based capital ratio | 53.3477% | 143 |
| Memoranda: | ||
| Average total assets | $20,586,750 | 7,547 |
| Average earning assets | $17,446,000 | 7,563 |
| Average equity | $3,289,000 | 7,284 |
| Average total loans | $5,322,750 | 7,647 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 6,729 |
| Cost of funding earning assets | 0.2100% | 7,743 |
| Net interest margin | 4.2820% | 1,845 |
| Noninterest income to average assets | 0.4686% | 4,369 |
| Noninterest expense to average assets | 3.5394% | 1,930 |
| Loan and lease loss provision to assets | 0.0499% | 6,470 |
| Net operating income to assets | 0.4134% | 4,697 |
| Return on assets (ROA) | 0.4287% | 4,786 |
| Pretax return on assets | 0.5583% | 4,707 |
| Return on Equity (ROE) | 2.6327% | 5,404 |
| Retained earnings to average equity (ytd only) | 2.6327% | 4,467 |
| Net charge-offs to loans | -0.0375% | 7,402 |
| Credit loss provision to net charge-offs | -500.0000% | 6,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7488% | 1,744 |
| Assets per employee ($millions) | 2.8131% | 6,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1970% | 706 |
| Loan loss allowance to noncurrent loans | 216.2791% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 6,362 |
| Noncurrent loans to loans | 1.4782% | 4,486 |
| Net loans and leases to total assets | 28.6004% | 7,567 |
| Net loans and leases to deposits | 34.5331% | 7,565 |
| Net loans and leases to core deposits | 34.5331% | 7,594 |
| Total domestic deposits to total assets | 82.8204% | 4,645 |
| Equity capital to assets | 16.8038% | 560 |
| Core capital (leverage) ratio | 16.2386% | 537 |
| Tier 1 risk-based capital ratio | 49.5400% | 158 |
| Total risk-based capital ratio | 50.8090% | 159 |
| Memoranda: | ||
| Average total assets | $20,059,670 | 7,625 |
| Average earning assets | $17,141,330 | 7,635 |
| Average equity | $3,266,670 | 7,334 |
| Average total loans | $5,334,000 | 7,712 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 6,683 |
| Cost of funding earning assets | 0.2110% | 7,851 |
| Net interest margin | 4.3373% | 1,575 |
| Noninterest income to average assets | 0.4347% | 4,614 |
| Noninterest expense to average assets | 3.3393% | 2,396 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5533% | 4,123 |
| Return on assets (ROA) | 0.5533% | 4,262 |
| Pretax return on assets | 0.7509% | 4,055 |
| Return on Equity (ROE) | 3.4509% | 5,140 |
| Retained earnings to average equity (ytd only) | 3.4509% | 4,079 |
| Net charge-offs to loans | -0.0786% | 7,469 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6425% | 2,327 |
| Assets per employee ($millions) | 2.8159% | 6,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4929% | 553 |
| Loan loss allowance to noncurrent loans | 208.0460% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 6,363 |
| Noncurrent loans to loans | 1.6789% | 4,229 |
| Net loans and leases to total assets | 25.3716% | 7,714 |
| Net loans and leases to deposits | 30.5311% | 7,725 |
| Net loans and leases to core deposits | 30.5311% | 7,739 |
| Total domestic deposits to total assets | 83.1008% | 4,570 |
| Equity capital to assets | 16.5390% | 596 |
| Core capital (leverage) ratio | 15.6551% | 636 |
| Tier 1 risk-based capital ratio | 53.2557% | 135 |
| Total risk-based capital ratio | 54.5236% | 134 |
| Memoranda: | ||
| Average total assets | $20,243,500 | 7,717 |
| Average earning assets | $17,061,500 | 7,729 |
| Average equity | $3,245,500 | 7,421 |
| Average total loans | $5,092,000 | 7,820 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9854% | 6,484 |
| Cost of funding earning assets | 0.2067% | 7,937 |
| Net interest margin | 4.7786% | 723 |
| Noninterest income to average assets | 0.4754% | 4,610 |
| Noninterest expense to average assets | 3.8285% | 1,639 |
| Loan and lease loss provision to assets | 0.1073% | 6,569 |
| Net operating income to assets | 0.5005% | 3,726 |
| Return on assets (ROA) | 0.4703% | 3,968 |
| Pretax return on assets | 0.6338% | 3,798 |
| Return on Equity (ROE) | 2.8162% | 4,577 |
| Retained earnings to average equity (ytd only) | 2.8162% | 3,195 |
| Net charge-offs to loans | 0.2456% | 5,084 |
| Credit loss provision to net charge-offs | 150.0000% | 3,093 |
| Earnings coverage of net charge-offs (x) | 10.9286% | 1,641 |
| Efficiency ratio | 83.0377% | 2,469 |
| Assets per employee ($millions) | 2.5970% | 7,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5986% | 489 |
| Loan loss allowance to noncurrent loans | 191.4894% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 6,324 |
| Noncurrent loans to loans | 1.8792% | 3,831 |
| Net loans and leases to total assets | 23.2095% | 7,825 |
| Net loans and leases to deposits | 27.5590% | 7,843 |
| Net loans and leases to core deposits | 27.5590% | 7,883 |
| Total domestic deposits to total assets | 84.2174% | 3,936 |
| Equity capital to assets | 15.5516% | 775 |
| Core capital (leverage) ratio | 15.0921% | 760 |
| Tier 1 risk-based capital ratio | 51.8781% | 151 |
| Total risk-based capital ratio | 53.1582% | 147 |
| Memoranda: | ||
| Average total assets | $19,563,800 | 7,789 |
| Average earning assets | $16,929,600 | 7,793 |
| Average equity | $3,266,800 | 7,509 |
| Average total loans | $5,700,200 | 7,875 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1245% | 6,189 |
| Cost of funding earning assets | 0.2050% | 8,028 |
| Net interest margin | 4.9195% | 525 |
| Noninterest income to average assets | 0.4846% | 4,627 |
| Noninterest expense to average assets | 3.8696% | 1,478 |
| Loan and lease loss provision to assets | 0.0900% | 6,470 |
| Net operating income to assets | 0.6075% | 3,588 |
| Return on assets (ROA) | 0.5676% | 3,804 |
| Pretax return on assets | 0.7892% | 3,575 |
| Return on Equity (ROE) | 3.3376% | 4,643 |
| Retained earnings to average equity (ytd only) | 3.3376% | 3,436 |
| Net charge-offs to loans | 0.0907% | 5,778 |
| Credit loss provision to net charge-offs | 325.0000% | 1,265 |
| Earnings coverage of net charge-offs (x) | 33.7711% | 854 |
| Efficiency ratio | 80.5476% | 2,764 |
| Assets per employee ($millions) | 2.5030% | 7,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1223% | 602 |
| Loan loss allowance to noncurrent loans | 239.4737% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 6,522 |
| Noncurrent loans to loans | 1.3038% | 4,760 |
| Net loans and leases to total assets | 28.2012% | 7,843 |
| Net loans and leases to deposits | 33.8793% | 7,861 |
| Net loans and leases to core deposits | 33.8793% | 7,919 |
| Total domestic deposits to total assets | 83.2401% | 4,092 |
| Equity capital to assets | 16.2954% | 744 |
| Core capital (leverage) ratio | 15.7065% | 726 |
| Tier 1 risk-based capital ratio | 47.1655% | 190 |
| Total risk-based capital ratio | 48.4406% | 189 |
| Memoranda: | ||
| Average total assets | $19,260,750 | 7,867 |
| Average earning assets | $16,912,000 | 7,875 |
| Average equity | $3,275,750 | 7,578 |
| Average total loans | $5,874,750 | 7,942 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0848% | 6,491 |
| Cost of funding earning assets | 0.2020% | 8,127 |
| Net interest margin | 4.8829% | 558 |
| Noninterest income to average assets | 0.4840% | 4,592 |
| Noninterest expense to average assets | 3.8934% | 1,502 |
| Loan and lease loss provision to assets | 0.0842% | 6,335 |
| Net operating income to assets | 0.5998% | 3,675 |
| Return on assets (ROA) | 0.5998% | 3,784 |
| Pretax return on assets | 0.8313% | 3,564 |
| Return on Equity (ROE) | 3.4756% | 4,724 |
| Retained earnings to average equity (ytd only) | 3.4756% | 3,378 |
| Net charge-offs to loans | 0.1358% | 4,808 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 21.7500% | 1,249 |
| Efficiency ratio | 80.9628% | 2,891 |
| Assets per employee ($millions) | 2.3636% | 7,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8393% | 655 |
| Loan loss allowance to noncurrent loans | 175.2475% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 6,097 |
| Noncurrent loans to loans | 1.6201% | 4,065 |
| Net loans and leases to total assets | 32.0324% | 7,843 |
| Net loans and leases to deposits | 38.8020% | 7,847 |
| Net loans and leases to core deposits | 38.8020% | 7,944 |
| Total domestic deposits to total assets | 82.5533% | 4,448 |
| Equity capital to assets | 17.1347% | 644 |
| Core capital (leverage) ratio | 16.8261% | 638 |
| Tier 1 risk-based capital ratio | 43.9673% | 238 |
| Total risk-based capital ratio | 45.2313% | 235 |
| Memoranda: | ||
| Average total assets | $19,006,330 | 7,957 |
| Average earning assets | $16,834,330 | 7,950 |
| Average equity | $3,280,000 | 7,639 |
| Average total loans | $5,890,000 | 8,031 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1610% | 6,441 |
| Cost of funding earning assets | 0.2121% | 8,178 |
| Net interest margin | 4.9489% | 457 |
| Noninterest income to average assets | 0.4618% | 4,665 |
| Noninterest expense to average assets | 3.7785% | 1,510 |
| Loan and lease loss provision to assets | 0.1050% | 5,625 |
| Net operating income to assets | 0.6927% | 3,594 |
| Return on assets (ROA) | 0.6927% | 3,779 |
| Pretax return on assets | 0.9866% | 3,400 |
| Return on Equity (ROE) | 4.0000% | 4,937 |
| Retained earnings to average equity (ytd only) | 4.0000% | 3,676 |
| Net charge-offs to loans | 0.0700% | 4,497 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 700 |
| Efficiency ratio | 77.5862% | 3,240 |
| Assets per employee ($millions) | 2.0131% | 7,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9990% | 479 |
| Loan loss allowance to noncurrent loans | 465.7895% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 6,893 |
| Noncurrent loans to loans | 0.6438% | 5,802 |
| Net loans and leases to total assets | 31.5984% | 7,875 |
| Net loans and leases to deposits | 38.9801% | 7,874 |
| Net loans and leases to core deposits | 38.9801% | 7,991 |
| Total domestic deposits to total assets | 81.0630% | 4,942 |
| Equity capital to assets | 18.1753% | 587 |
| Core capital (leverage) ratio | 16.0781% | 774 |
| Tier 1 risk-based capital ratio | 47.1145% | 232 |
| Total risk-based capital ratio | 48.3866% | 233 |
| Memoranda: | ||
| Average total assets | $19,055,000 | 8,007 |
| Average earning assets | $16,973,500 | 8,001 |
| Average equity | $3,300,000 | 7,687 |
| Average total loans | $5,718,000 | 8,091 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6527% | 6,925 |
| Cost of funding earning assets | 0.2669% | 8,229 |
| Net interest margin | 5.3858% | 242 |
| Noninterest income to average assets | 0.5112% | 4,533 |
| Noninterest expense to average assets | 4.2384% | 1,111 |
| Loan and lease loss provision to assets | 0.1099% | 5,966 |
| Net operating income to assets | 0.7531% | 3,654 |
| Return on assets (ROA) | 0.7531% | 3,490 |
| Pretax return on assets | 1.0445% | 3,226 |
| Return on Equity (ROE) | 4.3742% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.3742% | 2,398 |
| Net charge-offs to loans | 0.3579% | 3,043 |
| Credit loss provision to net charge-offs | 95.2381% | 5,538 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,588 |
| Efficiency ratio | 78.5933% | 2,827 |
| Assets per employee ($millions) | 2.2213% | 7,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1261% | 392 |
| Loan loss allowance to noncurrent loans | 1,572.7273% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 7,357 |
| Noncurrent loans to loans | 0.1988% | 6,793 |
| Net loans and leases to total assets | 26.8157% | 8,057 |
| Net loans and leases to deposits | 32.4378% | 8,090 |
| Net loans and leases to core deposits | 32.4378% | 8,136 |
| Total domestic deposits to total assets | 82.6681% | 3,912 |
| Equity capital to assets | 16.5416% | 832 |
| Core capital (leverage) ratio | 15.6157% | 898 |
| Tier 1 risk-based capital ratio | 45.8906% | 249 |
| Total risk-based capital ratio | 47.2655% | 249 |
| Memoranda: | ||
| Average total assets | $18,190,800 | 8,070 |
| Average earning assets | $16,487,800 | 8,056 |
| Average equity | $3,132,000 | 7,797 |
| Average total loans | $5,866,800 | 8,131 |