Home > Farmers State Bank of Munith > Performance and Condition Ratios
Farmers State Bank of Munith, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0609% | 3,886 |
| Cost of funding earning assets | 0.1420% | 4,179 |
| Net interest margin | 2.9189% | 3,510 |
| Noninterest income to average assets | 1.3401% | 660 |
| Noninterest expense to average assets | 3.6386% | 392 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3212% | 4,488 |
| Return on assets (ROA) | 0.3212% | 4,515 |
| Pretax return on assets | 0.4068% | 4,483 |
| Return on Equity (ROE) | 3.6604% | 4,358 |
| Retained earnings to average equity (ytd only) | 3.6604% | 3,696 |
| Net charge-offs to loans | 0.0235% | 1,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 38.6250% | 1,391 |
| Efficiency ratio | 89.9447% | 323 |
| Assets per employee ($millions) | 4.6440% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0291% | 599 |
| Loan loss allowance to noncurrent loans | 354.3396% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5471% | 1,399 |
| Noncurrent loans to loans | 0.5726% | 1,876 |
| Net loans and leases to total assets | 44.3755% | 3,921 |
| Net loans and leases to deposits | 48.9009% | 4,071 |
| Net loans and leases to core deposits | 49.1133% | 4,184 |
| Total domestic deposits to total assets | 90.7457% | 452 |
| Equity capital to assets | 8.7453% | 4,036 |
| Core capital (leverage) ratio | 8.6040% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2992% | 582 |
| Memoranda: | ||
| Average total assets | $101,282,500 | 4,029 |
| Average earning assets | $93,870,000 | 4,025 |
| Average equity | $8,887,750 | 4,316 |
| Average total loans | $45,354,000 | 4,138 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0350% | 3,979 |
| Cost of funding earning assets | 0.1453% | 4,246 |
| Net interest margin | 2.8897% | 3,596 |
| Noninterest income to average assets | 1.4121% | 602 |
| Noninterest expense to average assets | 3.5252% | 450 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4456% | 4,307 |
| Return on assets (ROA) | 0.4456% | 4,348 |
| Pretax return on assets | 0.5644% | 4,289 |
| Return on Equity (ROE) | 5.0721% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.0721% | 3,159 |
| Net charge-offs to loans | 0.0222% | 1,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 994 |
| Efficiency ratio | 86.1985% | 467 |
| Assets per employee ($millions) | 4.1958% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0530% | 551 |
| Loan loss allowance to noncurrent loans | 197.8992% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.7341% | 1,120 |
| Noncurrent loans to loans | 1.0374% | 1,184 |
| Net loans and leases to total assets | 42.8447% | 4,120 |
| Net loans and leases to deposits | 47.0873% | 4,267 |
| Net loans and leases to core deposits | 47.2860% | 4,354 |
| Total domestic deposits to total assets | 90.9900% | 382 |
| Equity capital to assets | 8.5238% | 4,186 |
| Core capital (leverage) ratio | 8.5289% | 3,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5558% | 510 |
| Memoranda: | ||
| Average total assets | $100,987,000 | 4,056 |
| Average earning assets | $93,573,667 | 4,053 |
| Average equity | $8,872,000 | 4,337 |
| Average total loans | $45,046,333 | 4,174 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0569% | 3,973 |
| Cost of funding earning assets | 0.1449% | 4,340 |
| Net interest margin | 2.9119% | 3,484 |
| Noninterest income to average assets | 1.4056% | 676 |
| Noninterest expense to average assets | 3.5907% | 419 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3877% | 4,383 |
| Return on assets (ROA) | 0.3877% | 4,410 |
| Pretax return on assets | 0.4928% | 4,364 |
| Return on Equity (ROE) | 4.3451% | 4,215 |
| Retained earnings to average equity (ytd only) | 4.3451% | 3,401 |
| Net charge-offs to loans | 0.0090% | 1,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 544 |
| Efficiency ratio | 87.9327% | 448 |
| Assets per employee ($millions) | 4.9668% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1044% | 496 |
| Loan loss allowance to noncurrent loans | 195.4545% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.7641% | 1,193 |
| Noncurrent loans to loans | 1.0767% | 1,244 |
| Net loans and leases to total assets | 42.1915% | 4,221 |
| Net loans and leases to deposits | 46.3871% | 4,329 |
| Net loans and leases to core deposits | 46.5835% | 4,416 |
| Total domestic deposits to total assets | 90.9552% | 412 |
| Equity capital to assets | 8.4494% | 4,155 |
| Core capital (leverage) ratio | 8.9883% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8418% | 529 |
| Memoranda: | ||
| Average total assets | $99,033,000 | 4,086 |
| Average earning assets | $91,073,000 | 4,082 |
| Average equity | $8,837,500 | 4,351 |
| Average total loans | $44,627,500 | 4,197 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 2,843 |
| Cost of funding earning assets | 0.1940% | 4,598 |
| Net interest margin | 3.7697% | 1,588 |
| Noninterest income to average assets | 2.1769% | 301 |
| Noninterest expense to average assets | 3.9697% | 393 |
| Loan and lease loss provision to assets | 0.4966% | 499 |
| Net operating income to assets | 0.9715% | 2,390 |
| Return on assets (ROA) | 0.9724% | 2,535 |
| Pretax return on assets | 1.2300% | 2,221 |
| Return on Equity (ROE) | 9.6955% | 2,120 |
| Retained earnings to average equity (ytd only) | 6.2245% | 1,695 |
| Net charge-offs to loans | -0.1059% | 4,823 |
| Credit loss provision to net charge-offs | -823.0769% | 4,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7025% | 1,988 |
| Assets per employee ($millions) | 4.4649% | 3,954 |
| Cash dividends to net income (ytd only)* | 35.7995% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1376% | 457 |
| Loan loss allowance to noncurrent loans | 191.7004% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.8607% | 1,167 |
| Noncurrent loans to loans | 1.1151% | 1,275 |
| Net loans and leases to total assets | 46.2389% | 4,112 |
| Net loans and leases to deposits | 51.4154% | 4,250 |
| Net loans and leases to core deposits | 51.8619% | 4,348 |
| Total domestic deposits to total assets | 89.9321% | 593 |
| Equity capital to assets | 9.4515% | 3,658 |
| Core capital (leverage) ratio | 9.8411% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6680% | 458 |
| Memoranda: | ||
| Average total assets | $86,178,400 | 4,172 |
| Average earning assets | $80,430,000 | 4,160 |
| Average equity | $8,643,200 | 4,355 |
| Average total loans | $49,085,600 | 4,125 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 2,635 |
| Cost of funding earning assets | 0.2030% | 4,668 |
| Net interest margin | 3.9136% | 1,319 |
| Noninterest income to average assets | 1.9221% | 332 |
| Noninterest expense to average assets | 3.8694% | 424 |
| Loan and lease loss provision to assets | 0.6775% | 329 |
| Net operating income to assets | 0.8182% | 3,025 |
| Return on assets (ROA) | 0.8194% | 3,143 |
| Pretax return on assets | 1.0362% | 2,948 |
| Return on Equity (ROE) | 8.0416% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.0416% | 1,294 |
| Net charge-offs to loans | -0.1591% | 4,897 |
| Credit loss provision to net charge-offs | -713.3333% | 3,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3311% | 1,987 |
| Assets per employee ($millions) | 4.2080% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8436% | 665 |
| Loan loss allowance to noncurrent loans | 127.8447% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.1995% | 838 |
| Noncurrent loans to loans | 1.4421% | 997 |
| Net loans and leases to total assets | 57.5371% | 3,463 |
| Net loans and leases to deposits | 64.4227% | 3,762 |
| Net loans and leases to core deposits | 64.4227% | 3,991 |
| Total domestic deposits to total assets | 89.3119% | 641 |
| Equity capital to assets | 10.0363% | 3,195 |
| Core capital (leverage) ratio | 9.9126% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5719% | 618 |
| Memoranda: | ||
| Average total assets | $84,282,250 | 4,197 |
| Average earning assets | $78,800,750 | 4,184 |
| Average equity | $8,588,500 | 4,380 |
| Average total loans | $50,281,500 | 4,128 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 2,704 |
| Cost of funding earning assets | 0.2102% | 4,738 |
| Net interest margin | 4.0062% | 1,303 |
| Noninterest income to average assets | 1.7680% | 350 |
| Noninterest expense to average assets | 3.8567% | 475 |
| Loan and lease loss provision to assets | 0.8249% | 290 |
| Net operating income to assets | 0.6778% | 3,473 |
| Return on assets (ROA) | 0.6778% | 3,579 |
| Pretax return on assets | 0.8562% | 3,438 |
| Return on Equity (ROE) | 6.6157% | 3,284 |
| Retained earnings to average equity (ytd only) | 6.6157% | 1,819 |
| Net charge-offs to loans | -0.0683% | 4,762 |
| Credit loss provision to net charge-offs | -2,011.7647% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6429% | 2,002 |
| Assets per employee ($millions) | 3.7812% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 927 |
| Loan loss allowance to noncurrent loans | 103.5088% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.2775% | 826 |
| Noncurrent loans to loans | 1.5807% | 940 |
| Net loans and leases to total assets | 57.0980% | 3,594 |
| Net loans and leases to deposits | 63.8191% | 3,895 |
| Net loans and leases to core deposits | 63.8191% | 4,088 |
| Total domestic deposits to total assets | 89.4685% | 586 |
| Equity capital to assets | 9.9485% | 3,257 |
| Core capital (leverage) ratio | 9.8371% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3257% | 644 |
| Memoranda: | ||
| Average total assets | $82,920,000 | 4,220 |
| Average earning assets | $78,029,333 | 4,197 |
| Average equity | $8,495,000 | 4,406 |
| Average total loans | $49,775,333 | 4,150 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 2,378 |
| Cost of funding earning assets | 0.2198% | 4,844 |
| Net interest margin | 4.2544% | 829 |
| Noninterest income to average assets | 1.1719% | 638 |
| Noninterest expense to average assets | 3.8865% | 566 |
| Loan and lease loss provision to assets | 0.1483% | 1,910 |
| Net operating income to assets | 0.9148% | 2,468 |
| Return on assets (ROA) | 0.9148% | 2,578 |
| Pretax return on assets | 1.1570% | 2,344 |
| Return on Equity (ROE) | 8.7923% | 2,196 |
| Retained earnings to average equity (ytd only) | 8.7923% | 1,030 |
| Net charge-offs to loans | -0.0567% | 4,674 |
| Credit loss provision to net charge-offs | -428.5714% | 3,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8571% | 1,704 |
| Assets per employee ($millions) | 3.6638% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 3,494 |
| Loan loss allowance to noncurrent loans | 64.9485% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.2698% | 940 |
| Noncurrent loans to loans | 1.6003% | 974 |
| Net loans and leases to total assets | 56.9464% | 3,759 |
| Net loans and leases to deposits | 63.8346% | 3,997 |
| Net loans and leases to core deposits | 63.8346% | 4,178 |
| Total domestic deposits to total assets | 89.2093% | 581 |
| Equity capital to assets | 10.1677% | 3,632 |
| Core capital (leverage) ratio | 10.3741% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9626% | 645 |
| Memoranda: | ||
| Average total assets | $80,896,000 | 4,256 |
| Average earning assets | $76,438,500 | 4,222 |
| Average equity | $8,416,500 | 4,440 |
| Average total loans | $49,421,500 | 4,162 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5599% | 2,748 |
| Cost of funding earning assets | 0.2147% | 4,923 |
| Net interest margin | 4.3453% | 993 |
| Noninterest income to average assets | 0.9393% | 1,099 |
| Noninterest expense to average assets | 3.9913% | 537 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8501% | 3,391 |
| Return on assets (ROA) | 0.8511% | 3,475 |
| Pretax return on assets | 1.0778% | 3,240 |
| Return on Equity (ROE) | 8.3407% | 3,024 |
| Retained earnings to average equity (ytd only) | 4.6392% | 2,623 |
| Net charge-offs to loans | -0.1191% | 4,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7578% | 1,057 |
| Assets per employee ($millions) | 3.2302% | 4,682 |
| Cash dividends to net income (ytd only)* | 44.3787% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 3,852 |
| Loan loss allowance to noncurrent loans | 56.3329% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.4486% | 710 |
| Noncurrent loans to loans | 1.6464% | 842 |
| Net loans and leases to total assets | 64.3470% | 3,150 |
| Net loans and leases to deposits | 72.4199% | 3,486 |
| Net loans and leases to core deposits | 72.4199% | 3,833 |
| Total domestic deposits to total assets | 88.8526% | 725 |
| Equity capital to assets | 10.6611% | 3,294 |
| Core capital (leverage) ratio | 10.6083% | 2,852 |
| Tier 1 risk-based capital ratio | 18.3629% | 1,679 |
| Total risk-based capital ratio | 19.4116% | 1,676 |
| Memoranda: | ||
| Average total assets | $79,423,600 | 4,299 |
| Average earning assets | $75,461,600 | 4,262 |
| Average equity | $8,104,800 | 4,493 |
| Average total loans | $49,524,200 | 4,197 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5530% | 2,883 |
| Cost of funding earning assets | 0.2111% | 5,016 |
| Net interest margin | 4.3418% | 1,072 |
| Noninterest income to average assets | 0.8778% | 1,200 |
| Noninterest expense to average assets | 3.8181% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9298% | 3,230 |
| Return on assets (ROA) | 0.9312% | 3,303 |
| Pretax return on assets | 1.1798% | 3,045 |
| Return on Equity (ROE) | 9.2251% | 2,792 |
| Retained earnings to average equity (ytd only) | 9.2251% | 982 |
| Net charge-offs to loans | -0.1514% | 5,068 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4195% | 1,281 |
| Assets per employee ($millions) | 3.1386% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 3,936 |
| Loan loss allowance to noncurrent loans | 57.1429% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.4095% | 823 |
| Noncurrent loans to loans | 1.6228% | 909 |
| Net loans and leases to total assets | 63.1772% | 3,368 |
| Net loans and leases to deposits | 71.2528% | 3,663 |
| Net loans and leases to core deposits | 71.2528% | 3,993 |
| Total domestic deposits to total assets | 88.6663% | 762 |
| Equity capital to assets | 10.7653% | 3,319 |
| Core capital (leverage) ratio | 10.5364% | 3,078 |
| Tier 1 risk-based capital ratio | 19.9627% | 1,363 |
| Total risk-based capital ratio | 21.0707% | 1,359 |
| Memoranda: | ||
| Average total assets | $79,898,250 | 4,340 |
| Average earning assets | $75,787,750 | 4,309 |
| Average equity | $8,064,750 | 4,546 |
| Average total loans | $49,317,250 | 4,249 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 2,897 |
| Cost of funding earning assets | 0.2027% | 5,068 |
| Net interest margin | 4.3327% | 1,077 |
| Noninterest income to average assets | 0.7241% | 1,629 |
| Noninterest expense to average assets | 3.7673% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8316% | 3,535 |
| Return on assets (ROA) | 0.8336% | 3,589 |
| Pretax return on assets | 1.0550% | 3,369 |
| Return on Equity (ROE) | 8.4411% | 3,098 |
| Retained earnings to average equity (ytd only) | 8.4411% | 1,230 |
| Net charge-offs to loans | -0.1997% | 5,131 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1621% | 1,128 |
| Assets per employee ($millions) | 3.1208% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 4,069 |
| Loan loss allowance to noncurrent loans | 59.0439% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.3689% | 886 |
| Noncurrent loans to loans | 1.5333% | 1,004 |
| Net loans and leases to total assets | 64.1152% | 3,327 |
| Net loans and leases to deposits | 72.0353% | 3,687 |
| Net loans and leases to core deposits | 72.0353% | 4,000 |
| Total domestic deposits to total assets | 89.0052% | 660 |
| Equity capital to assets | 10.5308% | 3,490 |
| Core capital (leverage) ratio | 10.2281% | 3,359 |
| Tier 1 risk-based capital ratio | 17.8314% | 1,844 |
| Total risk-based capital ratio | 18.8329% | 1,871 |
| Memoranda: | ||
| Average total assets | $80,376,000 | 4,367 |
| Average earning assets | $75,980,000 | 4,331 |
| Average equity | $7,937,330 | 4,588 |
| Average total loans | $49,077,670 | 4,282 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 3,471 |
| Cost of funding earning assets | 0.1898% | 5,141 |
| Net interest margin | 4.1392% | 1,453 |
| Noninterest income to average assets | 0.5837% | 2,124 |
| Noninterest expense to average assets | 3.5608% | 885 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7749% | 3,699 |
| Return on assets (ROA) | 0.7749% | 3,746 |
| Pretax return on assets | 0.9809% | 3,507 |
| Return on Equity (ROE) | 8.1046% | 3,219 |
| Retained earnings to average equity (ytd only) | 8.1046% | 1,618 |
| Net charge-offs to loans | -0.0827% | 4,979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4017% | 1,223 |
| Assets per employee ($millions) | 3.4733% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 4,283 |
| Loan loss allowance to noncurrent loans | 65.3125% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.1217% | 1,226 |
| Noncurrent loans to loans | 1.3266% | 1,231 |
| Net loans and leases to total assets | 57.3723% | 3,954 |
| Net loans and leases to deposits | 63.7930% | 4,193 |
| Net loans and leases to core deposits | 63.7930% | 4,392 |
| Total domestic deposits to total assets | 89.9351% | 474 |
| Equity capital to assets | 9.4975% | 4,261 |
| Core capital (leverage) ratio | 9.7976% | 3,818 |
| Tier 1 risk-based capital ratio | 18.1236% | 1,765 |
| Total risk-based capital ratio | 19.0755% | 1,799 |
| Memoranda: | ||
| Average total assets | $81,554,500 | 4,393 |
| Average earning assets | $77,987,000 | 4,339 |
| Average equity | $7,798,000 | 4,639 |
| Average total loans | $48,377,000 | 4,342 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 2,892 |
| Cost of funding earning assets | 0.1547% | 5,159 |
| Net interest margin | 4.2071% | 1,372 |
| Noninterest income to average assets | 0.9789% | 988 |
| Noninterest expense to average assets | 3.8057% | 676 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9460% | 3,253 |
| Return on assets (ROA) | 0.9460% | 3,247 |
| Pretax return on assets | 1.1977% | 2,889 |
| Return on Equity (ROE) | 9.9078% | 2,556 |
| Retained earnings to average equity (ytd only) | 5.7354% | 2,335 |
| Net charge-offs to loans | -0.0602% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0617% | 1,352 |
| Assets per employee ($millions) | 3.4674% | 4,579 |
| Cash dividends to net income (ytd only)* | 42.1123% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8410% | 4,389 |
| Loan loss allowance to noncurrent loans | 74.8624% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.0520% | 1,296 |
| Noncurrent loans to loans | 1.1235% | 1,437 |
| Net loans and leases to total assets | 60.3172% | 3,736 |
| Net loans and leases to deposits | 67.0893% | 4,042 |
| Net loans and leases to core deposits | 67.0893% | 4,294 |
| Total domestic deposits to total assets | 89.9060% | 506 |
| Equity capital to assets | 9.6288% | 4,021 |
| Core capital (leverage) ratio | 9.9370% | 3,664 |
| Tier 1 risk-based capital ratio | 18.0018% | 1,755 |
| Total risk-based capital ratio | 18.9432% | 1,798 |
| Memoranda: | ||
| Average total assets | $79,066,200 | 4,441 |
| Average earning assets | $75,634,600 | 4,388 |
| Average equity | $7,549,600 | 4,669 |
| Average total loans | $46,476,200 | 4,388 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2935% | 2,989 |
| Cost of funding earning assets | 0.1504% | 5,215 |
| Net interest margin | 4.1432% | 1,512 |
| Noninterest income to average assets | 1.0444% | 870 |
| Noninterest expense to average assets | 3.7433% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9937% | 3,108 |
| Return on assets (ROA) | 0.9937% | 3,123 |
| Pretax return on assets | 1.2590% | 2,779 |
| Return on Equity (ROE) | 10.4291% | 2,422 |
| Retained earnings to average equity (ytd only) | 10.4291% | 786 |
| Net charge-offs to loans | -0.0870% | 5,126 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8311% | 1,474 |
| Assets per employee ($millions) | 3.0969% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 4,278 |
| Loan loss allowance to noncurrent loans | 153.5581% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.7375% | 2,008 |
| Noncurrent loans to loans | 0.5840% | 2,626 |
| Net loans and leases to total assets | 58.5221% | 3,983 |
| Net loans and leases to deposits | 65.4272% | 4,244 |
| Net loans and leases to core deposits | 65.4272% | 4,435 |
| Total domestic deposits to total assets | 89.4462% | 691 |
| Equity capital to assets | 10.0178% | 3,631 |
| Core capital (leverage) ratio | 9.8842% | 3,763 |
| Tier 1 risk-based capital ratio | 19.3380% | 1,463 |
| Total risk-based capital ratio | 20.3344% | 1,486 |
| Memoranda: | ||
| Average total assets | $78,895,250 | 4,496 |
| Average earning assets | $75,367,500 | 4,441 |
| Average equity | $7,517,250 | 4,725 |
| Average total loans | $45,967,500 | 4,452 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 3,239 |
| Cost of funding earning assets | 0.1476% | 5,254 |
| Net interest margin | 4.0125% | 1,817 |
| Noninterest income to average assets | 1.1488% | 732 |
| Noninterest expense to average assets | 3.6707% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0354% | 2,870 |
| Return on assets (ROA) | 1.0354% | 2,871 |
| Pretax return on assets | 1.3126% | 2,457 |
| Return on Equity (ROE) | 11.0518% | 2,089 |
| Retained earnings to average equity (ytd only) | 11.0518% | 658 |
| Net charge-offs to loans | -0.0825% | 5,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6603% | 1,758 |
| Assets per employee ($millions) | 3.3518% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8875% | 4,397 |
| Loan loss allowance to noncurrent loans | 181.3636% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 2,278 |
| Noncurrent loans to loans | 0.4893% | 2,968 |
| Net loans and leases to total assets | 55.3945% | 4,210 |
| Net loans and leases to deposits | 61.5161% | 4,452 |
| Net loans and leases to core deposits | 61.5161% | 4,627 |
| Total domestic deposits to total assets | 90.0489% | 553 |
| Equity capital to assets | 9.4725% | 4,133 |
| Core capital (leverage) ratio | 9.3936% | 4,254 |
| Tier 1 risk-based capital ratio | 19.4029% | 1,455 |
| Total risk-based capital ratio | 20.3980% | 1,478 |
| Memoranda: | ||
| Average total assets | $79,386,330 | 4,526 |
| Average earning assets | $75,863,000 | 4,473 |
| Average equity | $7,437,670 | 4,784 |
| Average total loans | $46,050,330 | 4,490 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 3,466 |
| Cost of funding earning assets | 0.1433% | 5,299 |
| Net interest margin | 3.8964% | 2,058 |
| Noninterest income to average assets | 1.1261% | 737 |
| Noninterest expense to average assets | 3.6927% | 767 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9130% | 3,235 |
| Return on assets (ROA) | 0.9130% | 3,245 |
| Pretax return on assets | 1.1565% | 2,952 |
| Return on Equity (ROE) | 9.8006% | 2,536 |
| Retained earnings to average equity (ytd only) | 9.8006% | 1,222 |
| Net charge-offs to loans | -0.0773% | 5,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1506% | 1,573 |
| Assets per employee ($millions) | 3.5634% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8548% | 4,621 |
| Loan loss allowance to noncurrent loans | 116.8168% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 1,908 |
| Noncurrent loans to loans | 0.7318% | 2,381 |
| Net loans and leases to total assets | 52.7548% | 4,386 |
| Net loans and leases to deposits | 58.0492% | 4,578 |
| Net loans and leases to core deposits | 58.0492% | 4,750 |
| Total domestic deposits to total assets | 90.8795% | 358 |
| Equity capital to assets | 8.6527% | 4,858 |
| Core capital (leverage) ratio | 9.4167% | 4,165 |
| Tier 1 risk-based capital ratio | 19.3356% | 1,468 |
| Total risk-based capital ratio | 20.3320% | 1,494 |
| Memoranda: | ||
| Average total assets | $78,858,000 | 4,589 |
| Average earning assets | $75,351,500 | 4,534 |
| Average equity | $7,346,500 | 4,842 |
| Average total loans | $46,595,500 | 4,519 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5135% | 1,669 |
| Cost of funding earning assets | 0.1612% | 5,202 |
| Net interest margin | 4.3523% | 858 |
| Noninterest income to average assets | 1.1424% | 780 |
| Noninterest expense to average assets | 4.1770% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8329% | 3,019 |
| Return on assets (ROA) | 0.8329% | 3,054 |
| Pretax return on assets | 1.0678% | 3,309 |
| Return on Equity (ROE) | 8.2753% | 2,661 |
| Retained earnings to average equity (ytd only) | 5.9689% | 1,555 |
| Net charge-offs to loans | -0.0813% | 5,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6406% | 1,141 |
| Assets per employee ($millions) | 2.7767% | 5,345 |
| Cash dividends to net income (ytd only)* | 27.8716% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7969% | 4,842 |
| Loan loss allowance to noncurrent loans | 110.1449% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.9973% | 1,549 |
| Noncurrent loans to loans | 0.7235% | 2,399 |
| Net loans and leases to total assets | 65.5248% | 3,154 |
| Net loans and leases to deposits | 73.1936% | 3,578 |
| Net loans and leases to core deposits | 73.1936% | 3,955 |
| Total domestic deposits to total assets | 89.5227% | 761 |
| Equity capital to assets | 10.1019% | 3,595 |
| Core capital (leverage) ratio | 10.2212% | 3,165 |
| Tier 1 risk-based capital ratio | 18.4877% | 1,656 |
| Total risk-based capital ratio | 19.4410% | 1,698 |
| Memoranda: | ||
| Average total assets | $71,079,200 | 4,762 |
| Average earning assets | $66,998,600 | 4,726 |
| Average equity | $7,153,800 | 4,918 |
| Average total loans | $47,955,200 | 4,514 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5303% | 1,556 |
| Cost of funding earning assets | 0.1602% | 5,250 |
| Net interest margin | 4.3701% | 780 |
| Noninterest income to average assets | 1.1808% | 736 |
| Noninterest expense to average assets | 4.1920% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7156% | 3,898 |
| Return on assets (ROA) | 0.7156% | 3,959 |
| Pretax return on assets | 1.0979% | 3,308 |
| Return on Equity (ROE) | 7.1169% | 3,590 |
| Retained earnings to average equity (ytd only) | 7.1169% | 1,633 |
| Net charge-offs to loans | -0.0694% | 5,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2453% | 1,185 |
| Assets per employee ($millions) | 2.9598% | 5,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7691% | 4,977 |
| Loan loss allowance to noncurrent loans | 86.3208% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.1248% | 1,474 |
| Noncurrent loans to loans | 0.8910% | 2,148 |
| Net loans and leases to total assets | 66.4771% | 3,045 |
| Net loans and leases to deposits | 74.6853% | 3,500 |
| Net loans and leases to core deposits | 74.6853% | 3,919 |
| Total domestic deposits to total assets | 89.0096% | 885 |
| Equity capital to assets | 10.2935% | 3,592 |
| Core capital (leverage) ratio | 10.2064% | 3,307 |
| Tier 1 risk-based capital ratio | 18.1895% | 1,807 |
| Total risk-based capital ratio | 19.1002% | 1,845 |
| Memoranda: | ||
| Average total assets | $70,800,500 | 4,813 |
| Average earning assets | $66,571,750 | 4,786 |
| Average equity | $7,119,000 | 4,976 |
| Average total loans | $48,022,750 | 4,556 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4659% | 1,609 |
| Cost of funding earning assets | 0.1626% | 5,255 |
| Net interest margin | 4.3033% | 850 |
| Noninterest income to average assets | 1.1849% | 723 |
| Noninterest expense to average assets | 4.1910% | 417 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6702% | 3,977 |
| Return on assets (ROA) | 0.6702% | 4,037 |
| Pretax return on assets | 1.0350% | 3,425 |
| Return on Equity (ROE) | 6.7190% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.7190% | 1,729 |
| Net charge-offs to loans | -0.0498% | 5,176 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1948% | 1,191 |
| Assets per employee ($millions) | 2.6502% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7200% | 5,161 |
| Loan loss allowance to noncurrent loans | 80.4100% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.2873% | 1,288 |
| Noncurrent loans to loans | 0.8954% | 2,184 |
| Net loans and leases to total assets | 70.6447% | 2,419 |
| Net loans and leases to deposits | 79.4221% | 2,978 |
| Net loans and leases to core deposits | 79.4221% | 3,467 |
| Total domestic deposits to total assets | 88.9484% | 983 |
| Equity capital to assets | 10.4305% | 3,429 |
| Core capital (leverage) ratio | 10.2592% | 3,187 |
| Tier 1 risk-based capital ratio | 17.3741% | 2,047 |
| Total risk-based capital ratio | 18.2299% | 2,113 |
| Memoranda: | ||
| Average total assets | $70,722,330 | 4,851 |
| Average earning assets | $66,414,000 | 4,820 |
| Average equity | $7,054,670 | 5,013 |
| Average total loans | $48,167,670 | 4,573 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 1,867 |
| Cost of funding earning assets | 0.1554% | 5,332 |
| Net interest margin | 4.1792% | 1,032 |
| Noninterest income to average assets | 1.2285% | 681 |
| Noninterest expense to average assets | 4.1434% | 457 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6366% | 3,996 |
| Return on assets (ROA) | 0.6366% | 4,037 |
| Pretax return on assets | 0.9884% | 3,416 |
| Return on Equity (ROE) | 6.5250% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.5250% | 2,063 |
| Net charge-offs to loans | 0.0168% | 2,457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 88.5000% | 604 |
| Efficiency ratio | 80.7399% | 1,289 |
| Assets per employee ($millions) | 2.8796% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7122% | 5,279 |
| Loan loss allowance to noncurrent loans | 72.2814% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.2738% | 1,343 |
| Noncurrent loans to loans | 0.9854% | 2,078 |
| Net loans and leases to total assets | 65.6443% | 3,030 |
| Net loans and leases to deposits | 73.2853% | 3,472 |
| Net loans and leases to core deposits | 73.2853% | 3,894 |
| Total domestic deposits to total assets | 89.5737% | 866 |
| Equity capital to assets | 9.7846% | 3,989 |
| Core capital (leverage) ratio | 9.9792% | 3,523 |
| Tier 1 risk-based capital ratio | 17.3730% | 2,074 |
| Total risk-based capital ratio | 18.2092% | 2,149 |
| Memoranda: | ||
| Average total assets | $71,631,500 | 4,878 |
| Average earning assets | $66,903,000 | 4,858 |
| Average equity | $6,988,500 | 5,066 |
| Average total loans | $47,736,500 | 4,633 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 2,251 |
| Cost of funding earning assets | 0.1735% | 5,258 |
| Net interest margin | 4.0950% | 1,387 |
| Noninterest income to average assets | 1.1887% | 799 |
| Noninterest expense to average assets | 4.1264% | 516 |
| Loan and lease loss provision to assets | -0.2889% | 5,838 |
| Net operating income to assets | 0.7660% | 3,468 |
| Return on assets (ROA) | 0.7698% | 3,551 |
| Pretax return on assets | 1.1742% | 2,783 |
| Return on Equity (ROE) | 7.8102% | 3,049 |
| Retained earnings to average equity (ytd only) | 5.6122% | 1,943 |
| Net charge-offs to loans | 0.0910% | 2,397 |
| Credit loss provision to net charge-offs | -500.0000% | 5,166 |
| Earnings coverage of net charge-offs (x) | 15.2250% | 2,222 |
| Efficiency ratio | 82.4293% | 1,153 |
| Assets per employee ($millions) | 2.7412% | 5,532 |
| Cash dividends to net income (ytd only)* | 28.1426% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7123% | 5,334 |
| Loan loss allowance to noncurrent loans | 58.4906% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.3413% | 1,294 |
| Noncurrent loans to loans | 1.2177% | 1,686 |
| Net loans and leases to total assets | 66.6952% | 2,974 |
| Net loans and leases to deposits | 74.5133% | 3,464 |
| Net loans and leases to core deposits | 74.5133% | 3,875 |
| Total domestic deposits to total assets | 89.5078% | 855 |
| Equity capital to assets | 9.7275% | 4,031 |
| Core capital (leverage) ratio | 10.0737% | 3,400 |
| Tier 1 risk-based capital ratio | 17.2852% | 2,065 |
| Total risk-based capital ratio | 18.1358% | 2,144 |
| Memoranda: | ||
| Average total assets | $69,237,200 | 4,950 |
| Average earning assets | $64,542,600 | 4,930 |
| Average equity | $6,824,400 | 5,128 |
| Average total loans | $43,940,000 | 4,754 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 2,323 |
| Cost of funding earning assets | 0.1749% | 5,304 |
| Net interest margin | 4.0786% | 1,448 |
| Noninterest income to average assets | 1.1756% | 836 |
| Noninterest expense to average assets | 4.1205% | 520 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5599% | 4,458 |
| Return on assets (ROA) | 0.5801% | 4,483 |
| Pretax return on assets | 0.8866% | 4,026 |
| Return on Equity (ROE) | 5.8650% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.8650% | 2,260 |
| Net charge-offs to loans | -0.1086% | 5,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8070% | 1,096 |
| Assets per employee ($millions) | 2.6278% | 5,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 2,168 |
| Loan loss allowance to noncurrent loans | 98.5600% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.5368% | 1,150 |
| Noncurrent loans to loans | 1.4276% | 1,518 |
| Net loans and leases to total assets | 63.1769% | 3,499 |
| Net loans and leases to deposits | 70.9869% | 3,889 |
| Net loans and leases to core deposits | 71.3589% | 4,221 |
| Total domestic deposits to total assets | 88.9980% | 910 |
| Equity capital to assets | 10.1882% | 3,930 |
| Core capital (leverage) ratio | 9.7693% | 3,848 |
| Tier 1 risk-based capital ratio | 17.6384% | 2,030 |
| Total risk-based capital ratio | 18.8906% | 1,988 |
| Memoranda: | ||
| Average total assets | $68,728,500 | 5,001 |
| Average earning assets | $64,040,000 | 4,981 |
| Average equity | $6,797,250 | 5,179 |
| Average total loans | $42,956,000 | 4,829 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1730% | 2,591 |
| Cost of funding earning assets | 0.1710% | 5,403 |
| Net interest margin | 4.0020% | 1,640 |
| Noninterest income to average assets | 1.1995% | 786 |
| Noninterest expense to average assets | 4.0776% | 544 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5605% | 4,437 |
| Return on assets (ROA) | 0.5605% | 4,554 |
| Pretax return on assets | 0.8597% | 4,082 |
| Return on Equity (ROE) | 5.7247% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.7247% | 2,284 |
| Net charge-offs to loans | -0.1078% | 5,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5882% | 1,204 |
| Assets per employee ($millions) | 2.7459% | 5,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 2,419 |
| Loan loss allowance to noncurrent loans | 220.4380% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 1.0183% | 2,104 |
| Noncurrent loans to loans | 0.6230% | 3,205 |
| Net loans and leases to total assets | 63.1856% | 3,475 |
| Net loans and leases to deposits | 70.8603% | 3,904 |
| Net loans and leases to core deposits | 71.2280% | 4,234 |
| Total domestic deposits to total assets | 89.1692% | 835 |
| Equity capital to assets | 10.0529% | 4,159 |
| Core capital (leverage) ratio | 9.6026% | 4,066 |
| Tier 1 risk-based capital ratio | 17.4660% | 2,074 |
| Total risk-based capital ratio | 18.7202% | 2,040 |
| Memoranda: | ||
| Average total assets | $68,863,330 | 5,049 |
| Average earning assets | $64,317,670 | 5,021 |
| Average equity | $6,742,670 | 5,236 |
| Average total loans | $42,681,000 | 4,872 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1186% | 2,781 |
| Cost of funding earning assets | 0.1675% | 5,489 |
| Net interest margin | 3.9511% | 1,783 |
| Noninterest income to average assets | 1.0555% | 970 |
| Noninterest expense to average assets | 4.0364% | 577 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4524% | 4,825 |
| Return on assets (ROA) | 0.4524% | 4,909 |
| Pretax return on assets | 0.7133% | 4,481 |
| Return on Equity (ROE) | 4.6822% | 4,632 |
| Retained earnings to average equity (ytd only) | 4.6822% | 3,129 |
| Net charge-offs to loans | -0.1047% | 5,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9817% | 1,067 |
| Assets per employee ($millions) | 2.7961% | 5,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 2,321 |
| Loan loss allowance to noncurrent loans | 127.5862% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.0844% | 2,042 |
| Noncurrent loans to loans | 1.1149% | 2,169 |
| Net loans and leases to total assets | 58.6885% | 3,966 |
| Net loans and leases to deposits | 65.3733% | 4,311 |
| Net loans and leases to core deposits | 65.7031% | 4,553 |
| Total domestic deposits to total assets | 89.7744% | 694 |
| Equity capital to assets | 9.6305% | 4,532 |
| Core capital (leverage) ratio | 9.7494% | 3,844 |
| Tier 1 risk-based capital ratio | 18.5515% | 1,839 |
| Total risk-based capital ratio | 19.8080% | 1,797 |
| Memoranda: | ||
| Average total assets | $68,971,500 | 5,093 |
| Average earning assets | $64,488,000 | 5,063 |
| Average equity | $6,663,500 | 5,290 |
| Average total loans | $42,032,000 | 4,935 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6296% | 1,258 |
| Cost of funding earning assets | 0.2184% | 5,109 |
| Net interest margin | 4.4112% | 778 |
| Noninterest income to average assets | 1.2490% | 769 |
| Noninterest expense to average assets | 4.2090% | 534 |
| Loan and lease loss provision to assets | -0.4666% | 6,118 |
| Net operating income to assets | 1.2350% | 1,432 |
| Return on assets (ROA) | 1.2350% | 1,489 |
| Pretax return on assets | 1.4652% | 1,667 |
| Return on Equity (ROE) | 12.5677% | 1,164 |
| Retained earnings to average equity (ytd only) | 9.5919% | 517 |
| Net charge-offs to loans | 0.0474% | 3,262 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,606 |
| Earnings coverage of net charge-offs (x) | 32.1000% | 1,385 |
| Efficiency ratio | 80.8244% | 1,562 |
| Assets per employee ($millions) | 2.5200% | 5,883 |
| Cash dividends to net income (ytd only)* | 23.6776% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 2,562 |
| Loan loss allowance to noncurrent loans | 154.5213% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 1.0332% | 2,124 |
| Noncurrent loans to loans | 0.8858% | 2,583 |
| Net loans and leases to total assets | 61.5315% | 3,621 |
| Net loans and leases to deposits | 68.8370% | 4,046 |
| Net loans and leases to core deposits | 69.1954% | 4,359 |
| Total domestic deposits to total assets | 89.3871% | 917 |
| Equity capital to assets | 9.6928% | 4,313 |
| Core capital (leverage) ratio | 10.0270% | 3,472 |
| Tier 1 risk-based capital ratio | 17.6341% | 2,080 |
| Total risk-based capital ratio | 18.8892% | 2,026 |
| Memoranda: | ||
| Average total assets | $64,291,000 | 5,218 |
| Average earning assets | $57,693,400 | 5,248 |
| Average equity | $6,317,800 | 5,372 |
| Average total loans | $42,228,400 | 4,922 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7187% | 1,063 |
| Cost of funding earning assets | 0.2253% | 5,131 |
| Net interest margin | 4.4935% | 665 |
| Noninterest income to average assets | 1.2690% | 749 |
| Noninterest expense to average assets | 4.1901% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0670% | 2,142 |
| Return on assets (ROA) | 1.0670% | 2,234 |
| Pretax return on assets | 1.0670% | 3,343 |
| Return on Equity (ROE) | 10.8183% | 1,778 |
| Retained earnings to average equity (ytd only) | 10.8183% | 500 |
| Net charge-offs to loans | -0.0411% | 5,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7038% | 1,704 |
| Assets per employee ($millions) | 2.4395% | 5,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1016% | 777 |
| Loan loss allowance to noncurrent loans | 245.6989% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 1.1431% | 2,086 |
| Noncurrent loans to loans | 0.8553% | 2,835 |
| Net loans and leases to total assets | 67.1286% | 2,836 |
| Net loans and leases to deposits | 75.6615% | 3,344 |
| Net loans and leases to core deposits | 76.0861% | 3,793 |
| Total domestic deposits to total assets | 88.7223% | 1,165 |
| Equity capital to assets | 10.3506% | 3,757 |
| Core capital (leverage) ratio | 9.8590% | 3,823 |
| Tier 1 risk-based capital ratio | 17.8974% | 2,053 |
| Total risk-based capital ratio | 19.1633% | 2,014 |
| Memoranda: | ||
| Average total assets | $63,353,750 | 5,300 |
| Average earning assets | $56,228,500 | 5,355 |
| Average equity | $6,248,500 | 5,448 |
| Average total loans | $42,173,750 | 4,986 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6886% | 1,093 |
| Cost of funding earning assets | 0.2263% | 5,181 |
| Net interest margin | 4.4622% | 677 |
| Noninterest income to average assets | 1.0516% | 1,071 |
| Noninterest expense to average assets | 4.2350% | 527 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7390% | 3,694 |
| Return on assets (ROA) | 0.7390% | 3,801 |
| Pretax return on assets | 0.7390% | 4,527 |
| Return on Equity (ROE) | 7.6184% | 3,256 |
| Retained earnings to average equity (ytd only) | 7.6184% | 1,419 |
| Net charge-offs to loans | -0.0623% | 5,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1429% | 1,138 |
| Assets per employee ($millions) | 2.2734% | 6,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1598% | 779 |
| Loan loss allowance to noncurrent loans | 167.7064% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 1.7013% | 1,396 |
| Noncurrent loans to loans | 1.2878% | 2,094 |
| Net loans and leases to total assets | 65.0449% | 3,117 |
| Net loans and leases to deposits | 72.8435% | 3,636 |
| Net loans and leases to core deposits | 73.2456% | 4,022 |
| Total domestic deposits to total assets | 89.2940% | 1,008 |
| Equity capital to assets | 9.8121% | 4,261 |
| Core capital (leverage) ratio | 9.6973% | 4,005 |
| Tier 1 risk-based capital ratio | 17.1181% | 2,363 |
| Total risk-based capital ratio | 18.3825% | 2,304 |
| Memoranda: | ||
| Average total assets | $63,329,670 | 5,363 |
| Average earning assets | $55,667,330 | 5,421 |
| Average equity | $6,143,000 | 5,519 |
| Average total loans | $41,734,670 | 5,037 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 1,182 |
| Cost of funding earning assets | 0.2248% | 5,273 |
| Net interest margin | 4.3942% | 739 |
| Noninterest income to average assets | 0.9815% | 1,160 |
| Noninterest expense to average assets | 4.0085% | 686 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8106% | 3,207 |
| Return on assets (ROA) | 0.8106% | 3,332 |
| Pretax return on assets | 0.8106% | 4,194 |
| Return on Equity (ROE) | 8.4052% | 2,752 |
| Retained earnings to average equity (ytd only) | 8.4052% | 1,411 |
| Net charge-offs to loans | -0.0097% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1800% | 1,464 |
| Assets per employee ($millions) | 2.2685% | 6,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1705% | 836 |
| Loan loss allowance to noncurrent loans | 178.6139% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 1.6593% | 1,524 |
| Noncurrent loans to loans | 1.2152% | 2,341 |
| Net loans and leases to total assets | 64.0045% | 3,087 |
| Net loans and leases to deposits | 71.6350% | 3,567 |
| Net loans and leases to core deposits | 72.0310% | 3,955 |
| Total domestic deposits to total assets | 89.3481% | 1,070 |
| Equity capital to assets | 9.7546% | 4,425 |
| Core capital (leverage) ratio | 9.7247% | 3,985 |
| Tier 1 risk-based capital ratio | 17.0612% | 2,457 |
| Total risk-based capital ratio | 18.3265% | 2,410 |
| Memoranda: | ||
| Average total assets | $63,166,500 | 5,422 |
| Average earning assets | $55,163,000 | 5,488 |
| Average equity | $6,091,500 | 5,576 |
| Average total loans | $41,442,500 | 5,087 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6852% | 1,344 |
| Cost of funding earning assets | 0.3139% | 4,643 |
| Net interest margin | 4.3714% | 928 |
| Noninterest income to average assets | 0.9172% | 1,450 |
| Noninterest expense to average assets | 4.1296% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6567% | 4,107 |
| Return on assets (ROA) | 0.6946% | 4,041 |
| Pretax return on assets | 0.6946% | 4,644 |
| Return on Equity (ROE) | 7.5959% | 3,326 |
| Retained earnings to average equity (ytd only) | 6.3011% | 1,752 |
| Net charge-offs to loans | 0.1463% | 2,577 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.9333% | 3,117 |
| Efficiency ratio | 86.2797% | 1,138 |
| Assets per employee ($millions) | 2.4159% | 6,205 |
| Cash dividends to net income (ytd only)* | 17.0455% | 3,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1825% | 842 |
| Loan loss allowance to noncurrent loans | 215.2745% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 1.5697% | 1,728 |
| Noncurrent loans to loans | 1.0138% | 2,798 |
| Net loans and leases to total assets | 64.3583% | 3,166 |
| Net loans and leases to deposits | 71.8301% | 3,704 |
| Net loans and leases to core deposits | 72.2280% | 4,100 |
| Total domestic deposits to total assets | 89.5979% | 924 |
| Equity capital to assets | 9.5313% | 4,687 |
| Core capital (leverage) ratio | 9.6090% | 4,083 |
| Tier 1 risk-based capital ratio | 17.6928% | 2,241 |
| Total risk-based capital ratio | 18.9617% | 2,202 |
| Memoranda: | ||
| Average total assets | $63,347,200 | 5,465 |
| Average earning assets | $56,069,600 | 5,519 |
| Average equity | $5,792,600 | 5,664 |
| Average total loans | $41,015,200 | 5,146 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 1,507 |
| Cost of funding earning assets | 0.3414% | 4,445 |
| Net interest margin | 4.2811% | 1,089 |
| Noninterest income to average assets | 0.9619% | 1,330 |
| Noninterest expense to average assets | 4.1145% | 673 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6406% | 4,258 |
| Return on assets (ROA) | 0.6910% | 4,077 |
| Pretax return on assets | 0.6910% | 4,728 |
| Return on Equity (ROE) | 7.6368% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.6368% | 1,516 |
| Net charge-offs to loans | 0.1889% | 1,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.2588% | 3,300 |
| Efficiency ratio | 86.5283% | 1,133 |
| Assets per employee ($millions) | 2.1715% | 6,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1626% | 1,001 |
| Loan loss allowance to noncurrent loans | 189.9160% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 2.2055% | 1,253 |
| Noncurrent loans to loans | 1.1387% | 2,782 |
| Net loans and leases to total assets | 67.2642% | 2,652 |
| Net loans and leases to deposits | 75.2770% | 3,278 |
| Net loans and leases to core deposits | 75.7090% | 3,779 |
| Total domestic deposits to total assets | 89.3556% | 1,046 |
| Equity capital to assets | 9.7365% | 4,503 |
| Core capital (leverage) ratio | 9.2800% | 4,664 |
| Tier 1 risk-based capital ratio | 17.2829% | 2,485 |
| Total risk-based capital ratio | 18.5504% | 2,432 |
| Memoranda: | ||
| Average total assets | $63,480,500 | 5,523 |
| Average earning assets | $56,246,000 | 5,571 |
| Average equity | $5,744,000 | 5,730 |
| Average total loans | $40,937,000 | 5,197 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 1,623 |
| Cost of funding earning assets | 0.3775% | 4,133 |
| Net interest margin | 4.1884% | 1,278 |
| Noninterest income to average assets | 0.9662% | 1,293 |
| Noninterest expense to average assets | 4.0576% | 710 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5623% | 4,533 |
| Return on assets (ROA) | 0.5623% | 4,636 |
| Pretax return on assets | 0.5623% | 5,087 |
| Return on Equity (ROE) | 6.3673% | 3,959 |
| Retained earnings to average equity (ytd only) | 6.3673% | 2,108 |
| Net charge-offs to loans | -0.0049% | 5,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8278% | 1,100 |
| Assets per employee ($millions) | 2.3304% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3461% | 855 |
| Loan loss allowance to noncurrent loans | 205.7692% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 2.1694% | 1,415 |
| Noncurrent loans to loans | 1.1402% | 2,952 |
| Net loans and leases to total assets | 63.7047% | 3,121 |
| Net loans and leases to deposits | 70.8869% | 3,713 |
| Net loans and leases to core deposits | 71.2764% | 4,124 |
| Total domestic deposits to total assets | 89.8681% | 871 |
| Equity capital to assets | 9.2228% | 5,080 |
| Core capital (leverage) ratio | 9.0123% | 5,002 |
| Tier 1 risk-based capital ratio | 17.0271% | 2,608 |
| Total risk-based capital ratio | 18.2991% | 2,558 |
| Memoranda: | ||
| Average total assets | $64,373,330 | 5,548 |
| Average earning assets | $56,155,330 | 5,612 |
| Average equity | $5,685,330 | 5,779 |
| Average total loans | $40,648,670 | 5,244 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5222% | 1,735 |
| Cost of funding earning assets | 0.4092% | 3,863 |
| Net interest margin | 4.1131% | 1,425 |
| Noninterest income to average assets | 0.7803% | 1,839 |
| Noninterest expense to average assets | 4.0983% | 686 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2028% | 5,794 |
| Return on assets (ROA) | 0.2028% | 5,846 |
| Pretax return on assets | 0.2028% | 5,913 |
| Return on Equity (ROE) | 2.3460% | 5,692 |
| Retained earnings to average equity (ytd only) | 2.3460% | 4,662 |
| Net charge-offs to loans | -0.0099% | 5,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2857% | 683 |
| Assets per employee ($millions) | 2.5070% | 6,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3959% | 916 |
| Loan loss allowance to noncurrent loans | 163.2203% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 2.7185% | 1,120 |
| Noncurrent loans to loans | 1.4679% | 2,590 |
| Net loans and leases to total assets | 60.1853% | 3,537 |
| Net loans and leases to deposits | 67.4890% | 3,916 |
| Net loans and leases to core deposits | 67.8485% | 4,330 |
| Total domestic deposits to total assets | 89.1780% | 1,548 |
| Equity capital to assets | 8.6328% | 5,514 |
| Core capital (leverage) ratio | 8.6996% | 5,381 |
| Tier 1 risk-based capital ratio | 16.1043% | 3,121 |
| Total risk-based capital ratio | 17.3736% | 3,070 |
| Memoranda: | ||
| Average total assets | $65,100,000 | 5,590 |
| Average earning assets | $55,724,500 | 5,681 |
| Average equity | $5,626,500 | 5,838 |
| Average total loans | $40,450,000 | 5,300 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 1,826 |
| Cost of funding earning assets | 0.5152% | 3,451 |
| Net interest margin | 4.0988% | 1,643 |
| Noninterest income to average assets | 1.3831% | 735 |
| Noninterest expense to average assets | 4.2849% | 642 |
| Loan and lease loss provision to assets | 0.5535% | 475 |
| Net operating income to assets | 0.1113% | 6,019 |
| Return on assets (ROA) | 0.1113% | 6,077 |
| Pretax return on assets | 0.1113% | 6,075 |
| Return on Equity (ROE) | 1.2880% | 6,028 |
| Retained earnings to average equity (ytd only) | 1.2880% | 5,252 |
| Net charge-offs to loans | 1.0622% | 534 |
| Credit loss provision to net charge-offs | 81.2081% | 3,015 |
| Earnings coverage of net charge-offs (x) | 0.9754% | 4,758 |
| Efficiency ratio | 86.5681% | 1,355 |
| Assets per employee ($millions) | 2.6007% | 6,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3632% | 966 |
| Loan loss allowance to noncurrent loans | 86.4331% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 2.7608% | 1,201 |
| Noncurrent loans to loans | 2.7342% | 1,316 |
| Net loans and leases to total assets | 61.1292% | 3,513 |
| Net loans and leases to deposits | 68.6371% | 3,961 |
| Net loans and leases to core deposits | 69.0029% | 4,390 |
| Total domestic deposits to total assets | 89.0615% | 1,577 |
| Equity capital to assets | 8.6530% | 5,418 |
| Core capital (leverage) ratio | 8.7062% | 5,409 |
| Tier 1 risk-based capital ratio | 15.7593% | 3,219 |
| Total risk-based capital ratio | 17.0285% | 3,170 |
| Memoranda: | ||
| Average total assets | $65,578,400 | 5,608 |
| Average earning assets | $57,065,200 | 5,680 |
| Average equity | $5,667,800 | 5,892 |
| Average total loans | $42,082,200 | 5,264 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 1,885 |
| Cost of funding earning assets | 0.5310% | 3,455 |
| Net interest margin | 4.0741% | 1,706 |
| Noninterest income to average assets | 1.5297% | 623 |
| Noninterest expense to average assets | 4.1002% | 767 |
| Loan and lease loss provision to assets | 0.5904% | 419 |
| Net operating income to assets | 0.4037% | 5,233 |
| Return on assets (ROA) | 0.4037% | 5,367 |
| Pretax return on assets | 0.4037% | 5,612 |
| Return on Equity (ROE) | 4.6727% | 4,895 |
| Retained earnings to average equity (ytd only) | 4.6727% | 3,339 |
| Net charge-offs to loans | 0.6128% | 1,016 |
| Credit loss provision to net charge-offs | 149.2308% | 1,581 |
| Earnings coverage of net charge-offs (x) | 2.5129% | 3,995 |
| Efficiency ratio | 80.4859% | 2,031 |
| Assets per employee ($millions) | 2.6732% | 6,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7051% | 738 |
| Loan loss allowance to noncurrent loans | 87.5096% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 2.8460% | 1,307 |
| Noncurrent loans to loans | 3.0912% | 1,289 |
| Net loans and leases to total assets | 61.4604% | 3,458 |
| Net loans and leases to deposits | 69.2799% | 3,893 |
| Net loans and leases to core deposits | 69.7150% | 4,356 |
| Total domestic deposits to total assets | 88.7132% | 1,718 |
| Equity capital to assets | 8.6099% | 5,615 |
| Core capital (leverage) ratio | 8.7261% | 5,495 |
| Tier 1 risk-based capital ratio | 15.7618% | 3,321 |
| Total risk-based capital ratio | 17.0362% | 3,262 |
| Memoranda: | ||
| Average total assets | $65,718,500 | 5,657 |
| Average earning assets | $57,499,500 | 5,728 |
| Average equity | $5,678,250 | 5,952 |
| Average total loans | $42,426,000 | 5,299 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 1,898 |
| Cost of funding earning assets | 0.5473% | 3,449 |
| Net interest margin | 4.0356% | 1,745 |
| Noninterest income to average assets | 1.7047% | 569 |
| Noninterest expense to average assets | 4.1531% | 733 |
| Loan and lease loss provision to assets | 0.6703% | 355 |
| Net operating income to assets | 0.4468% | 5,030 |
| Return on assets (ROA) | 0.4468% | 5,201 |
| Pretax return on assets | 0.4468% | 5,530 |
| Return on Equity (ROE) | 5.1654% | 4,635 |
| Retained earnings to average equity (ytd only) | 5.1654% | 2,948 |
| Net charge-offs to loans | 1.0354% | 583 |
| Credit loss provision to net charge-offs | 99.5455% | 2,257 |
| Earnings coverage of net charge-offs (x) | 1.6591% | 3,975 |
| Efficiency ratio | 78.8037% | 2,335 |
| Assets per employee ($millions) | 2.3935% | 6,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5497% | 933 |
| Loan loss allowance to noncurrent loans | 64.1104% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 3.1799% | 1,251 |
| Noncurrent loans to loans | 3.9771% | 982 |
| Net loans and leases to total assets | 61.8037% | 3,329 |
| Net loans and leases to deposits | 69.9205% | 3,724 |
| Net loans and leases to core deposits | 70.3751% | 4,228 |
| Total domestic deposits to total assets | 88.3913% | 1,991 |
| Equity capital to assets | 8.8172% | 5,426 |
| Core capital (leverage) ratio | 8.6987% | 5,427 |
| Tier 1 risk-based capital ratio | 16.4308% | 2,968 |
| Total risk-based capital ratio | 17.7032% | 2,913 |
| Memoranda: | ||
| Average total assets | $65,348,000 | 5,713 |
| Average earning assets | $57,735,670 | 5,756 |
| Average equity | $5,653,000 | 6,005 |
| Average total loans | $42,496,000 | 5,318 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4768% | 2,248 |
| Cost of funding earning assets | 0.5579% | 3,494 |
| Net interest margin | 3.9189% | 2,054 |
| Noninterest income to average assets | 1.3453% | 845 |
| Noninterest expense to average assets | 4.0724% | 817 |
| Loan and lease loss provision to assets | 0.4383% | 660 |
| Net operating income to assets | 0.3409% | 5,397 |
| Return on assets (ROA) | 0.3409% | 5,537 |
| Pretax return on assets | 0.3409% | 5,746 |
| Return on Equity (ROE) | 3.9783% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.9783% | 3,846 |
| Net charge-offs to loans | 0.4069% | 1,437 |
| Credit loss provision to net charge-offs | 163.6364% | 1,282 |
| Earnings coverage of net charge-offs (x) | 2.9091% | 2,901 |
| Efficiency ratio | 83.9398% | 1,776 |
| Assets per employee ($millions) | 2.4756% | 6,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5017% | 1,114 |
| Loan loss allowance to noncurrent loans | 54.6287% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 3.5547% | 1,188 |
| Noncurrent loans to loans | 4.5794% | 900 |
| Net loans and leases to total assets | 62.6217% | 2,949 |
| Net loans and leases to deposits | 70.4984% | 3,396 |
| Net loans and leases to core deposits | 71.4271% | 3,894 |
| Total domestic deposits to total assets | 88.8272% | 1,779 |
| Equity capital to assets | 8.4664% | 6,048 |
| Core capital (leverage) ratio | 8.5563% | 5,502 |
| Tier 1 risk-based capital ratio | 15.4258% | 3,573 |
| Total risk-based capital ratio | 16.6972% | 3,522 |
| Memoranda: | ||
| Average total assets | $65,710,000 | 5,749 |
| Average earning assets | $58,792,500 | 5,783 |
| Average equity | $5,630,500 | 6,069 |
| Average total loans | $43,251,500 | 5,329 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5943% | 3,026 |
| Cost of funding earning assets | 0.7391% | 3,170 |
| Net interest margin | 3.8552% | 3,000 |
| Noninterest income to average assets | 1.6070% | 615 |
| Noninterest expense to average assets | 3.9495% | 1,040 |
| Loan and lease loss provision to assets | 0.9156% | 486 |
| Net operating income to assets | 0.2442% | 5,649 |
| Return on assets (ROA) | 0.2442% | 5,852 |
| Pretax return on assets | 0.2442% | 5,921 |
| Return on Equity (ROE) | 2.9215% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.9215% | 4,173 |
| Net charge-offs to loans | 1.1573% | 887 |
| Credit loss provision to net charge-offs | 120.4819% | 2,378 |
| Earnings coverage of net charge-offs (x) | 1.5261% | 4,680 |
| Efficiency ratio | 77.2999% | 2,548 |
| Assets per employee ($millions) | 2.3918% | 6,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4006% | 1,229 |
| Loan loss allowance to noncurrent loans | 47.1384% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 3.8588% | 1,132 |
| Noncurrent loans to loans | 5.0927% | 774 |
| Net loans and leases to total assets | 65.8511% | 2,550 |
| Net loans and leases to deposits | 74.3800% | 3,040 |
| Net loans and leases to core deposits | 75.1316% | 3,641 |
| Total domestic deposits to total assets | 88.5334% | 1,882 |
| Equity capital to assets | 8.6746% | 5,874 |
| Core capital (leverage) ratio | 8.3937% | 5,764 |
| Tier 1 risk-based capital ratio | 15.1287% | 3,654 |
| Total risk-based capital ratio | 16.3990% | 3,586 |
| Memoranda: | ||
| Average total assets | $65,527,600 | 5,764 |
| Average earning assets | $59,530,400 | 5,765 |
| Average equity | $5,476,600 | 6,152 |
| Average total loans | $43,031,600 | 5,378 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 3,402 |
| Cost of funding earning assets | 0.7702% | 3,187 |
| Net interest margin | 3.7860% | 3,396 |
| Noninterest income to average assets | 1.5084% | 654 |
| Noninterest expense to average assets | 3.9899% | 945 |
| Loan and lease loss provision to assets | 0.9062% | 486 |
| Net operating income to assets | 0.0507% | 6,209 |
| Return on assets (ROA) | 0.0507% | 6,346 |
| Pretax return on assets | 0.0507% | 6,334 |
| Return on Equity (ROE) | 0.6121% | 6,326 |
| Retained earnings to average equity (ytd only) | 0.6121% | 5,910 |
| Net charge-offs to loans | 1.2775% | 748 |
| Credit loss provision to net charge-offs | 108.7591% | 2,700 |
| Earnings coverage of net charge-offs (x) | 1.1484% | 4,727 |
| Efficiency ratio | 80.6557% | 1,994 |
| Assets per employee ($millions) | 2.0998% | 6,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2225% | 1,668 |
| Loan loss allowance to noncurrent loans | 43.1908% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 3.9467% | 1,224 |
| Noncurrent loans to loans | 5.1457% | 867 |
| Net loans and leases to total assets | 66.2360% | 2,613 |
| Net loans and leases to deposits | 74.6180% | 3,202 |
| Net loans and leases to core deposits | 75.3640% | 3,808 |
| Total domestic deposits to total assets | 88.7668% | 1,555 |
| Equity capital to assets | 8.4064% | 6,344 |
| Core capital (leverage) ratio | 7.9521% | 6,361 |
| Tier 1 risk-based capital ratio | 14.6443% | 4,089 |
| Total risk-based capital ratio | 15.9131% | 4,040 |
| Memoranda: | ||
| Average total assets | $65,764,750 | 5,817 |
| Average earning assets | $59,727,250 | 5,816 |
| Average equity | $5,445,250 | 6,231 |
| Average total loans | $42,896,500 | 5,450 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5301% | 3,643 |
| Cost of funding earning assets | 0.8060% | 3,138 |
| Net interest margin | 3.7242% | 3,709 |
| Noninterest income to average assets | 1.4305% | 705 |
| Noninterest expense to average assets | 3.9734% | 977 |
| Loan and lease loss provision to assets | 0.4728% | 1,350 |
| Net operating income to assets | 0.3455% | 5,450 |
| Return on assets (ROA) | 0.3455% | 5,672 |
| Pretax return on assets | 0.3455% | 5,838 |
| Return on Equity (ROE) | 4.1940% | 5,182 |
| Retained earnings to average equity (ytd only) | 4.1940% | 3,821 |
| Net charge-offs to loans | 1.1060% | 982 |
| Credit loss provision to net charge-offs | 66.3830% | 3,652 |
| Earnings coverage of net charge-offs (x) | 1.1489% | 4,440 |
| Efficiency ratio | 82.9222% | 1,761 |
| Assets per employee ($millions) | 2.3029% | 6,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9791% | 2,284 |
| Loan loss allowance to noncurrent loans | 35.1055% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 4.0398% | 1,258 |
| Noncurrent loans to loans | 5.6377% | 818 |
| Net loans and leases to total assets | 64.1476% | 3,002 |
| Net loans and leases to deposits | 72.1083% | 3,593 |
| Net loans and leases to core deposits | 72.8093% | 4,196 |
| Total domestic deposits to total assets | 88.9601% | 1,529 |
| Equity capital to assets | 8.2818% | 6,391 |
| Core capital (leverage) ratio | 8.1372% | 6,113 |
| Tier 1 risk-based capital ratio | 14.9222% | 3,819 |
| Total risk-based capital ratio | 16.1858% | 3,757 |
| Memoranda: | ||
| Average total assets | $65,988,670 | 5,849 |
| Average earning assets | $59,556,670 | 5,858 |
| Average equity | $5,436,330 | 6,260 |
| Average total loans | $42,497,000 | 5,494 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 3,129 |
| Cost of funding earning assets | 0.8690% | 2,928 |
| Net interest margin | 3.8111% | 3,341 |
| Noninterest income to average assets | 1.2624% | 892 |
| Noninterest expense to average assets | 3.9701% | 965 |
| Loan and lease loss provision to assets | 0.2134% | 2,817 |
| Net operating income to assets | 0.4757% | 4,927 |
| Return on assets (ROA) | 0.4757% | 5,125 |
| Pretax return on assets | 0.4757% | 5,502 |
| Return on Equity (ROE) | 5.7896% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.7896% | 3,082 |
| Net charge-offs to loans | 0.3437% | 2,274 |
| Credit loss provision to net charge-offs | 97.2222% | 2,418 |
| Earnings coverage of net charge-offs (x) | 3.1389% | 2,950 |
| Efficiency ratio | 85.2094% | 1,560 |
| Assets per employee ($millions) | 2.5088% | 6,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2652% | 1,747 |
| Loan loss allowance to noncurrent loans | 38.7587% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 3.9668% | 1,398 |
| Noncurrent loans to loans | 5.8443% | 875 |
| Net loans and leases to total assets | 60.0661% | 3,654 |
| Net loans and leases to deposits | 67.1558% | 4,202 |
| Net loans and leases to core deposits | 67.9067% | 4,688 |
| Total domestic deposits to total assets | 89.4430% | 1,402 |
| Equity capital to assets | 8.0074% | 6,520 |
| Core capital (leverage) ratio | 8.2763% | 5,910 |
| Tier 1 risk-based capital ratio | 15.4293% | 3,486 |
| Total risk-based capital ratio | 16.6961% | 3,446 |
| Memoranda: | ||
| Average total assets | $65,590,500 | 5,902 |
| Average earning assets | $58,461,000 | 5,922 |
| Average equity | $5,389,000 | 6,305 |
| Average total loans | $41,892,500 | 5,553 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3653% | 1,512 |
| Cost of funding earning assets | 1.1914% | 2,083 |
| Net interest margin | 4.1738% | 2,141 |
| Noninterest income to average assets | 1.0115% | 1,335 |
| Noninterest expense to average assets | 4.1147% | 892 |
| Loan and lease loss provision to assets | 0.2310% | 3,890 |
| Net operating income to assets | 0.1593% | 5,708 |
| Return on assets (ROA) | 0.1593% | 5,847 |
| Pretax return on assets | 0.1593% | 5,871 |
| Return on Equity (ROE) | 1.8869% | 5,701 |
| Retained earnings to average equity (ytd only) | 1.8869% | 4,859 |
| Net charge-offs to loans | 0.8674% | 1,998 |
| Credit loss provision to net charge-offs | 37.8590% | 5,666 |
| Earnings coverage of net charge-offs (x) | 0.6397% | 5,344 |
| Efficiency ratio | 91.3366% | 1,090 |
| Assets per employee ($millions) | 2.4402% | 6,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2417% | 1,722 |
| Loan loss allowance to noncurrent loans | 57.8690% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 3.1130% | 1,920 |
| Noncurrent loans to loans | 3.8738% | 1,619 |
| Net loans and leases to total assets | 64.9549% | 2,998 |
| Net loans and leases to deposits | 73.1452% | 3,639 |
| Net loans and leases to core deposits | 74.9354% | 4,111 |
| Total domestic deposits to total assets | 88.8027% | 1,658 |
| Equity capital to assets | 8.4389% | 6,212 |
| Core capital (leverage) ratio | 8.4653% | 5,618 |
| Tier 1 risk-based capital ratio | 15.4948% | 3,326 |
| Total risk-based capital ratio | 16.7624% | 3,269 |
| Memoranda: | ||
| Average total assets | $62,775,200 | 5,965 |
| Average earning assets | $52,541,800 | 6,108 |
| Average equity | $5,299,600 | 6,348 |
| Average total loans | $44,156,600 | 5,511 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5073% | 1,234 |
| Cost of funding earning assets | 1.2515% | 1,988 |
| Net interest margin | 4.2558% | 1,890 |
| Noninterest income to average assets | 0.9668% | 1,432 |
| Noninterest expense to average assets | 4.1123% | 882 |
| Loan and lease loss provision to assets | 0.1171% | 4,971 |
| Net operating income to assets | 0.1533% | 5,828 |
| Return on assets (ROA) | 0.1533% | 5,945 |
| Pretax return on assets | 0.2279% | 5,848 |
| Return on Equity (ROE) | 1.8161% | 5,835 |
| Retained earnings to average equity (ytd only) | 1.8161% | 5,227 |
| Net charge-offs to loans | 0.6718% | 2,229 |
| Credit loss provision to net charge-offs | 24.4444% | 5,502 |
| Earnings coverage of net charge-offs (x) | 0.7200% | 5,083 |
| Efficiency ratio | 92.2599% | 1,013 |
| Assets per employee ($millions) | 2.3908% | 6,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3329% | 1,637 |
| Loan loss allowance to noncurrent loans | 50.5489% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 3.7451% | 1,662 |
| Noncurrent loans to loans | 4.6151% | 1,397 |
| Net loans and leases to total assets | 68.2250% | 2,438 |
| Net loans and leases to deposits | 77.0895% | 3,154 |
| Net loans and leases to core deposits | 78.8759% | 3,786 |
| Total domestic deposits to total assets | 88.5010% | 1,760 |
| Equity capital to assets | 8.5631% | 6,233 |
| Core capital (leverage) ratio | 8.3013% | 5,972 |
| Tier 1 risk-based capital ratio | 15.1026% | 3,606 |
| Total risk-based capital ratio | 16.3730% | 3,564 |
| Memoranda: | ||
| Average total assets | $62,608,000 | 6,017 |
| Average earning assets | $51,348,500 | 6,189 |
| Average equity | $5,286,000 | 6,407 |
| Average total loans | $44,657,000 | 5,534 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6730% | 922 |
| Cost of funding earning assets | 1.3061% | 1,907 |
| Net interest margin | 4.3669% | 1,473 |
| Noninterest income to average assets | 0.8700% | 1,744 |
| Noninterest expense to average assets | 4.1111% | 903 |
| Loan and lease loss provision to assets | 0.0797% | 5,315 |
| Net operating income to assets | 0.1243% | 5,949 |
| Return on assets (ROA) | 0.1243% | 6,042 |
| Pretax return on assets | 0.1848% | 5,959 |
| Return on Equity (ROE) | 1.4790% | 5,946 |
| Retained earnings to average equity (ytd only) | 1.4790% | 5,243 |
| Net charge-offs to loans | 0.4349% | 2,838 |
| Credit loss provision to net charge-offs | 25.5102% | 5,056 |
| Earnings coverage of net charge-offs (x) | 0.8469% | 4,667 |
| Efficiency ratio | 93.9548% | 979 |
| Assets per employee ($millions) | 2.4522% | 6,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5201% | 1,417 |
| Loan loss allowance to noncurrent loans | 58.8859% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 3.4647% | 1,902 |
| Noncurrent loans to loans | 4.2796% | 1,582 |
| Net loans and leases to total assets | 67.3432% | 2,753 |
| Net loans and leases to deposits | 75.7676% | 3,522 |
| Net loans and leases to core deposits | 77.3273% | 4,146 |
| Total domestic deposits to total assets | 88.8812% | 1,610 |
| Equity capital to assets | 8.2814% | 6,445 |
| Core capital (leverage) ratio | 8.3113% | 5,853 |
| Tier 1 risk-based capital ratio | 14.6728% | 3,685 |
| Total risk-based capital ratio | 15.9455% | 3,641 |
| Memoranda: | ||
| Average total assets | $62,756,670 | 6,061 |
| Average earning assets | $50,379,330 | 6,275 |
| Average equity | $5,273,670 | 6,441 |
| Average total loans | $45,068,330 | 5,555 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8548% | 662 |
| Cost of funding earning assets | 1.3195% | 2,071 |
| Net interest margin | 4.5353% | 993 |
| Noninterest income to average assets | 0.9445% | 1,492 |
| Noninterest expense to average assets | 4.0863% | 935 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3598% | 5,126 |
| Return on assets (ROA) | 0.3598% | 5,210 |
| Pretax return on assets | 0.5461% | 4,877 |
| Return on Equity (ROE) | 4.2501% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.2501% | 3,623 |
| Net charge-offs to loans | 0.7372% | 1,740 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.0119% | 3,898 |
| Efficiency ratio | 88.2108% | 1,490 |
| Assets per employee ($millions) | 2.3373% | 7,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4468% | 1,536 |
| Loan loss allowance to noncurrent loans | 97.8629% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 2.6589% | 2,586 |
| Noncurrent loans to loans | 2.5003% | 2,983 |
| Net loans and leases to total assets | 69.4302% | 2,239 |
| Net loans and leases to deposits | 78.2862% | 3,010 |
| Net loans and leases to core deposits | 79.9475% | 3,766 |
| Total domestic deposits to total assets | 88.6876% | 1,965 |
| Equity capital to assets | 8.3951% | 6,058 |
| Core capital (leverage) ratio | 8.4799% | 5,494 |
| Tier 1 risk-based capital ratio | 14.6950% | 3,615 |
| Total risk-based capital ratio | 15.9682% | 3,557 |
| Memoranda: | ||
| Average total assets | $62,256,500 | 6,112 |
| Average earning assets | $50,625,500 | 6,323 |
| Average equity | $5,270,500 | 6,461 |
| Average total loans | $45,579,500 | 5,584 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9476% | 946 |
| Cost of funding earning assets | 1.5438% | 2,385 |
| Net interest margin | 4.4038% | 1,455 |
| Noninterest income to average assets | 0.9132% | 1,801 |
| Noninterest expense to average assets | 4.0281% | 1,123 |
| Loan and lease loss provision to assets | 0.7111% | 2,304 |
| Net operating income to assets | -0.1320% | 6,027 |
| Return on assets (ROA) | -0.1320% | 6,084 |
| Pretax return on assets | -0.1320% | 6,024 |
| Return on Equity (ROE) | -1.5961% | 6,130 |
| Retained earnings to average equity (ytd only) | -1.5961% | 5,904 |
| Net charge-offs to loans | 1.4084% | 1,584 |
| Credit loss provision to net charge-offs | 65.0655% | 5,983 |
| Earnings coverage of net charge-offs (x) | 0.5298% | 5,584 |
| Efficiency ratio | 87.4309% | 1,527 |
| Assets per employee ($millions) | 2.3617% | 7,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5582% | 1,334 |
| Loan loss allowance to noncurrent loans | 79.3960% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 3.4704% | 2,002 |
| Noncurrent loans to loans | 3.2220% | 2,357 |
| Net loans and leases to total assets | 73.3833% | 1,792 |
| Net loans and leases to deposits | 82.8678% | 2,649 |
| Net loans and leases to core deposits | 84.5026% | 3,524 |
| Total domestic deposits to total assets | 88.5547% | 1,917 |
| Equity capital to assets | 8.5384% | 5,804 |
| Core capital (leverage) ratio | 8.4086% | 5,519 |
| Tier 1 risk-based capital ratio | 14.1362% | 3,777 |
| Total risk-based capital ratio | 15.4093% | 3,719 |
| Memoranda: | ||
| Average total assets | $62,858,400 | 6,094 |
| Average earning assets | $52,726,800 | 6,264 |
| Average equity | $5,200,200 | 6,598 |
| Average total loans | $48,777,800 | 5,533 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9178% | 1,091 |
| Cost of funding earning assets | 1.5782% | 2,520 |
| Net interest margin | 4.3396% | 1,715 |
| Noninterest income to average assets | 0.9300% | 1,687 |
| Noninterest expense to average assets | 3.9458% | 1,127 |
| Loan and lease loss provision to assets | 0.9427% | 1,594 |
| Net operating income to assets | -0.2995% | 6,425 |
| Return on assets (ROA) | -0.2995% | 6,473 |
| Pretax return on assets | -0.2995% | 6,407 |
| Return on Equity (ROE) | -3.6483% | 6,547 |
| Retained earnings to average equity (ytd only) | -3.6483% | 6,421 |
| Net charge-offs to loans | 1.6649% | 1,185 |
| Credit loss provision to net charge-offs | 72.4473% | 5,354 |
| Earnings coverage of net charge-offs (x) | 0.4943% | 5,531 |
| Efficiency ratio | 85.9835% | 1,635 |
| Assets per employee ($millions) | 2.4336% | 7,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5736% | 1,242 |
| Loan loss allowance to noncurrent loans | 88.5512% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 3.5962% | 1,981 |
| Noncurrent loans to loans | 2.9064% | 2,748 |
| Net loans and leases to total assets | 72.1876% | 2,212 |
| Net loans and leases to deposits | 82.0328% | 3,100 |
| Net loans and leases to core deposits | 83.5220% | 4,017 |
| Total domestic deposits to total assets | 87.9984% | 1,961 |
| Equity capital to assets | 7.8925% | 6,871 |
| Core capital (leverage) ratio | 8.1525% | 6,118 |
| Tier 1 risk-based capital ratio | 13.1333% | 4,470 |
| Total risk-based capital ratio | 14.4081% | 4,434 |
| Memoranda: | ||
| Average total assets | $63,221,750 | 6,154 |
| Average earning assets | $53,306,750 | 6,315 |
| Average equity | $5,189,500 | 6,676 |
| Average total loans | $49,411,250 | 5,588 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9040% | 1,172 |
| Cost of funding earning assets | 1.6139% | 2,580 |
| Net interest margin | 4.2900% | 1,818 |
| Noninterest income to average assets | 0.8174% | 2,030 |
| Noninterest expense to average assets | 3.9620% | 1,093 |
| Loan and lease loss provision to assets | 1.1924% | 1,175 |
| Net operating income to assets | -0.6732% | 6,789 |
| Return on assets (ROA) | -0.6732% | 6,809 |
| Pretax return on assets | -0.6732% | 6,705 |
| Return on Equity (ROE) | -8.0914% | 6,897 |
| Retained earnings to average equity (ytd only) | -8.0914% | 6,822 |
| Net charge-offs to loans | 1.4259% | 1,341 |
| Credit loss provision to net charge-offs | 105.0847% | 3,878 |
| Earnings coverage of net charge-offs (x) | 0.4576% | 5,254 |
| Efficiency ratio | 88.4120% | 1,470 |
| Assets per employee ($millions) | 2.2864% | 7,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9477% | 867 |
| Loan loss allowance to noncurrent loans | 86.7028% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 4.2846% | 1,560 |
| Noncurrent loans to loans | 3.3998% | 2,341 |
| Net loans and leases to total assets | 76.8548% | 1,318 |
| Net loans and leases to deposits | 87.7861% | 2,210 |
| Net loans and leases to core deposits | 89.4849% | 3,344 |
| Total domestic deposits to total assets | 87.5478% | 2,234 |
| Equity capital to assets | 8.2923% | 6,431 |
| Core capital (leverage) ratio | 8.1858% | 5,965 |
| Tier 1 risk-based capital ratio | 12.9906% | 4,451 |
| Total risk-based capital ratio | 14.2708% | 4,373 |
| Memoranda: | ||
| Average total assets | $62,393,000 | 6,218 |
| Average earning assets | $53,286,330 | 6,355 |
| Average equity | $5,190,670 | 6,712 |
| Average total loans | $49,653,000 | 5,621 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8120% | 1,418 |
| Cost of funding earning assets | 1.6414% | 2,699 |
| Net interest margin | 4.1706% | 2,154 |
| Noninterest income to average assets | 0.9757% | 1,375 |
| Noninterest expense to average assets | 3.9028% | 1,162 |
| Loan and lease loss provision to assets | 1.9578% | 573 |
| Net operating income to assets | -1.3201% | 7,261 |
| Return on assets (ROA) | -1.3201% | 7,274 |
| Pretax return on assets | -1.3201% | 7,189 |
| Return on Equity (ROE) | -15.8423% | 7,336 |
| Retained earnings to average equity (ytd only) | -15.8423% | 7,239 |
| Net charge-offs to loans | -0.1519% | 7,613 |
| Credit loss provision to net charge-offs | -1,615.7895% | 6,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9551% | 1,801 |
| Assets per employee ($millions) | 2.3447% | 7,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5073% | 544 |
| Loan loss allowance to noncurrent loans | 92.5397% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 4.8588% | 1,346 |
| Noncurrent loans to loans | 3.7901% | 2,087 |
| Net loans and leases to total assets | 76.0062% | 1,542 |
| Net loans and leases to deposits | 86.4747% | 2,507 |
| Net loans and leases to core deposits | 88.7344% | 3,530 |
| Total domestic deposits to total assets | 87.8941% | 2,119 |
| Equity capital to assets | 8.0922% | 6,552 |
| Core capital (leverage) ratio | 8.1246% | 6,032 |
| Tier 1 risk-based capital ratio | 12.6098% | 4,638 |
| Total risk-based capital ratio | 13.8974% | 4,572 |
| Memoranda: | ||
| Average total assets | $62,723,500 | 6,278 |
| Average earning assets | $53,613,500 | 6,410 |
| Average equity | $5,226,500 | 6,770 |
| Average total loans | $50,037,000 | 5,661 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2480% | 1,125 |
| Cost of funding earning assets | 1.9641% | 3,130 |
| Net interest margin | 4.2839% | 1,769 |
| Noninterest income to average assets | 0.9109% | 1,905 |
| Noninterest expense to average assets | 4.1607% | 1,147 |
| Loan and lease loss provision to assets | 0.9171% | 2,451 |
| Net operating income to assets | -0.9078% | 6,517 |
| Return on assets (ROA) | -0.9078% | 6,515 |
| Pretax return on assets | -0.4422% | 5,956 |
| Return on Equity (ROE) | -10.1072% | 6,634 |
| Retained earnings to average equity (ytd only) | -10.1072% | 6,531 |
| Net charge-offs to loans | 1.6294% | 1,553 |
| Credit loss provision to net charge-offs | 68.9777% | 6,509 |
| Earnings coverage of net charge-offs (x) | 0.3572% | 5,759 |
| Efficiency ratio | 89.7540% | 1,722 |
| Assets per employee ($millions) | 2.3014% | 7,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8343% | 896 |
| Loan loss allowance to noncurrent loans | 112.6683% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 3.7448% | 1,778 |
| Noncurrent loans to loans | 2.5156% | 3,030 |
| Net loans and leases to total assets | 78.5079% | 1,283 |
| Net loans and leases to deposits | 89.8747% | 2,229 |
| Net loans and leases to core deposits | 105.2900% | 3,420 |
| Total domestic deposits to total assets | 87.3525% | 2,294 |
| Equity capital to assets | 8.5775% | 5,757 |
| Core capital (leverage) ratio | 8.4882% | 5,297 |
| Tier 1 risk-based capital ratio | 13.2666% | 3,978 |
| Total risk-based capital ratio | 14.5449% | 3,892 |
| Memoranda: | ||
| Average total assets | $64,003,400 | 6,196 |
| Average earning assets | $55,650,200 | 6,308 |
| Average equity | $5,748,400 | 6,696 |
| Average total loans | $52,227,200 | 5,580 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2412% | 1,265 |
| Cost of funding earning assets | 2.0289% | 3,223 |
| Net interest margin | 4.2123% | 2,006 |
| Noninterest income to average assets | 1.1478% | 1,192 |
| Noninterest expense to average assets | 4.1155% | 1,119 |
| Loan and lease loss provision to assets | 0.9658% | 1,985 |
| Net operating income to assets | -0.1634% | 6,003 |
| Return on assets (ROA) | -0.1634% | 6,015 |
| Pretax return on assets | -0.2668% | 6,061 |
| Return on Equity (ROE) | -1.7996% | 6,067 |
| Retained earnings to average equity (ytd only) | -1.7996% | 5,681 |
| Net charge-offs to loans | 1.8154% | 1,115 |
| Credit loss provision to net charge-offs | 65.0418% | 6,078 |
| Earnings coverage of net charge-offs (x) | 0.4708% | 5,561 |
| Efficiency ratio | 85.4811% | 2,126 |
| Assets per employee ($millions) | 2.2540% | 7,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7989% | 793 |
| Loan loss allowance to noncurrent loans | 126.7432% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 3.1647% | 2,150 |
| Noncurrent loans to loans | 2.2083% | 3,368 |
| Net loans and leases to total assets | 73.7504% | 2,603 |
| Net loans and leases to deposits | 84.8317% | 3,519 |
| Net loans and leases to core deposits | 98.4989% | 4,552 |
| Total domestic deposits to total assets | 86.9373% | 2,208 |
| Equity capital to assets | 8.6276% | 6,076 |
| Core capital (leverage) ratio | 8.2305% | 5,965 |
| Tier 1 risk-based capital ratio | 12.7115% | 4,387 |
| Total risk-based capital ratio | 13.9886% | 4,310 |
| Memoranda: | ||
| Average total assets | $64,469,500 | 6,229 |
| Average earning assets | $56,120,500 | 6,329 |
| Average equity | $5,853,000 | 6,721 |
| Average total loans | $52,732,250 | 5,604 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1851% | 1,506 |
| Cost of funding earning assets | 2.0664% | 3,443 |
| Net interest margin | 4.1187% | 2,259 |
| Noninterest income to average assets | 1.1542% | 1,173 |
| Noninterest expense to average assets | 4.2353% | 1,026 |
| Loan and lease loss provision to assets | 1.4727% | 1,174 |
| Net operating income to assets | -0.5677% | 6,617 |
| Return on assets (ROA) | -0.5677% | 6,625 |
| Pretax return on assets | -0.8767% | 6,734 |
| Return on Equity (ROE) | -6.1440% | 6,724 |
| Retained earnings to average equity (ytd only) | -6.1440% | 6,469 |
| Net charge-offs to loans | 1.6088% | 1,177 |
| Credit loss provision to net charge-offs | 109.1121% | 4,238 |
| Earnings coverage of net charge-offs (x) | 0.4416% | 5,258 |
| Efficiency ratio | 87.6632% | 2,052 |
| Assets per employee ($millions) | 2.2674% | 7,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2896% | 451 |
| Loan loss allowance to noncurrent loans | 101.7689% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 4.2355% | 1,362 |
| Noncurrent loans to loans | 3.2324% | 2,201 |
| Net loans and leases to total assets | 79.9266% | 1,326 |
| Net loans and leases to deposits | 92.5748% | 2,354 |
| Net loans and leases to core deposits | 109.5464% | 3,426 |
| Total domestic deposits to total assets | 86.3374% | 2,606 |
| Equity capital to assets | 9.0302% | 5,272 |
| Core capital (leverage) ratio | 8.5989% | 5,261 |
| Tier 1 risk-based capital ratio | 12.9532% | 4,181 |
| Total risk-based capital ratio | 14.2397% | 4,074 |
| Memoranda: | ||
| Average total assets | $63,419,330 | 6,315 |
| Average earning assets | $56,620,330 | 6,362 |
| Average equity | $5,859,330 | 6,776 |
| Average total loans | $53,207,670 | 5,629 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0348% | 2,217 |
| Cost of funding earning assets | 2.1000% | 3,649 |
| Net interest margin | 3.9348% | 2,909 |
| Noninterest income to average assets | 1.1422% | 1,131 |
| Noninterest expense to average assets | 4.0325% | 1,149 |
| Loan and lease loss provision to assets | 0.4733% | 2,582 |
| Net operating income to assets | 0.1262% | 5,900 |
| Return on assets (ROA) | 0.1262% | 6,066 |
| Pretax return on assets | 0.1956% | 5,946 |
| Return on Equity (ROE) | 1.3508% | 6,024 |
| Retained earnings to average equity (ytd only) | 1.3508% | 5,093 |
| Net charge-offs to loans | 0.4480% | 2,329 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | 1.7667% | 3,850 |
| Efficiency ratio | 85.7718% | 2,100 |
| Assets per employee ($millions) | 2.2069% | 7,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1592% | 423 |
| Loan loss allowance to noncurrent loans | 78.0018% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 4.1906% | 1,198 |
| Noncurrent loans to loans | 4.0501% | 1,481 |
| Net loans and leases to total assets | 81.5203% | 1,101 |
| Net loans and leases to deposits | 94.1615% | 2,247 |
| Net loans and leases to core deposits | 110.8413% | 3,330 |
| Total domestic deposits to total assets | 86.5750% | 2,412 |
| Equity capital to assets | 9.2688% | 4,985 |
| Core capital (leverage) ratio | 9.0157% | 4,685 |
| Tier 1 risk-based capital ratio | 13.2091% | 4,045 |
| Total risk-based capital ratio | 14.4936% | 3,946 |
| Memoranda: | ||
| Average total assets | $63,385,500 | 6,345 |
| Average earning assets | $57,334,000 | 6,361 |
| Average equity | $5,922,500 | 6,801 |
| Average total loans | $53,577,000 | 5,652 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1301% | 4,898 |
| Cost of funding earning assets | 2.1813% | 5,676 |
| Net interest margin | 3.9488% | 3,367 |
| Noninterest income to average assets | 0.8593% | 2,168 |
| Noninterest expense to average assets | 4.1836% | 1,164 |
| Loan and lease loss provision to assets | 2.7398% | 356 |
| Net operating income to assets | -1.5626% | 7,493 |
| Return on assets (ROA) | -1.5835% | 7,445 |
| Pretax return on assets | -2.3983% | 7,563 |
| Return on Equity (ROE) | -15.1097% | 7,591 |
| Retained earnings to average equity (ytd only) | -15.1097% | 7,464 |
| Net charge-offs to loans | 1.1747% | 1,033 |
| Credit loss provision to net charge-offs | 283.7171% | 1,605 |
| Earnings coverage of net charge-offs (x) | 0.3865% | 6,001 |
| Efficiency ratio | 91.8090% | 1,392 |
| Assets per employee ($millions) | 2.0249% | 7,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1664% | 377 |
| Loan loss allowance to noncurrent loans | 71.1514% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 4.5833% | 811 |
| Noncurrent loans to loans | 4.4502% | 1,072 |
| Net loans and leases to total assets | 82.1908% | 1,193 |
| Net loans and leases to deposits | 95.1373% | 2,590 |
| Net loans and leases to core deposits | 112.1029% | 3,551 |
| Total domestic deposits to total assets | 86.3918% | 2,222 |
| Equity capital to assets | 9.4200% | 4,797 |
| Core capital (leverage) ratio | 9.4196% | 4,129 |
| Tier 1 risk-based capital ratio | 13.4928% | 3,825 |
| Total risk-based capital ratio | 14.7767% | 3,704 |
| Memoranda: | ||
| Average total assets | $62,960,400 | 6,284 |
| Average earning assets | $58,955,000 | 6,220 |
| Average equity | $6,598,400 | 6,605 |
| Average total loans | $51,757,200 | 5,629 |