Home > The First National Bank of Fleming > Performance and Condition Ratios
The First National Bank of Fleming, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8204% | 807 |
| Cost of funding earning assets | 1.1844% | 2,840 |
| Net interest margin | 4.6360% | 504 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 3.0574% | 1,028 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.4291% | 1,160 |
| Return on assets (ROA) | 1.4291% | 1,128 |
| Pretax return on assets | 1.4466% | 1,541 |
| Return on Equity (ROE) | 12.0600% | 1,943 |
| Retained earnings to average equity (ytd only) | 9.6999% | 1,091 |
| Net charge-offs to loans | 0.2298% | 474 |
| Credit loss provision to net charge-offs | 45.4545% | 2,212 |
| Earnings coverage of net charge-offs (x) | 9.8636% | 2,266 |
| Efficiency ratio | 66.8449% | 2,247 |
| Assets per employee ($millions) | 4.0687% | 4,135 |
| Cash dividends to net income (ytd only)* | 19.5599% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 1,613 |
| Loan loss allowance to noncurrent loans | 47.0389% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 2.0751% | 129 |
| Noncurrent loans to loans | 2.8471% | 155 |
| Net loans and leases to total assets | 71.9100% | 1,593 |
| Net loans and leases to deposits | 82.9116% | 1,873 |
| Net loans and leases to core deposits | 94.7403% | 1,725 |
| Total domestic deposits to total assets | 86.7300% | 1,778 |
| Equity capital to assets | 12.3100% | 1,033 |
| Core capital (leverage) ratio | 12.4693% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $28,618,800 | 4,475 |
| Average earning assets | $26,510,200 | 4,443 |
| Average equity | $3,391,800 | 4,397 |
| Average total loans | $19,144,200 | 4,306 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7331% | 755 |
| Cost of funding earning assets | 1.0415% | 2,920 |
| Net interest margin | 4.6916% | 466 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.8478% | 1,324 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.6472% | 866 |
| Return on assets (ROA) | 1.6472% | 859 |
| Pretax return on assets | 1.6845% | 1,194 |
| Return on Equity (ROE) | 14.0300% | 1,646 |
| Retained earnings to average equity (ytd only) | 14.0337% | 667 |
| Net charge-offs to loans | 0.0711% | 975 |
| Credit loss provision to net charge-offs | 200.0000% | 1,122 |
| Earnings coverage of net charge-offs (x) | 38.2000% | 1,473 |
| Efficiency ratio | 61.5694% | 2,775 |
| Assets per employee ($millions) | 4.0357% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 975 |
| Loan loss allowance to noncurrent loans | 43.7588% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 2.5239% | 93 |
| Noncurrent loans to loans | 3.5520% | 103 |
| Net loans and leases to total assets | 69.9500% | 1,831 |
| Net loans and leases to deposits | 80.7033% | 1,991 |
| Net loans and leases to core deposits | 92.2377% | 1,778 |
| Total domestic deposits to total assets | 86.6800% | 1,987 |
| Equity capital to assets | 12.4991% | 923 |
| Core capital (leverage) ratio | 12.7271% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $28,653,250 | 4,494 |
| Average earning assets | $26,628,250 | 4,464 |
| Average equity | $3,363,250 | 4,417 |
| Average total loans | $18,740,750 | 4,328 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7483% | 598 |
| Cost of funding earning assets | 0.8723% | 3,022 |
| Net interest margin | 4.8760% | 360 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.8484% | 1,331 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8411% | 614 |
| Return on assets (ROA) | 1.8411% | 614 |
| Pretax return on assets | 1.9105% | 848 |
| Return on Equity (ROE) | 16.0200% | 1,263 |
| Retained earnings to average equity (ytd only) | 16.0250% | 471 |
| Net charge-offs to loans | 0.1312% | 565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 22.9167% | 1,684 |
| Efficiency ratio | 59.8540% | 2,983 |
| Assets per employee ($millions) | 3.8911% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 1,295 |
| Loan loss allowance to noncurrent loans | 120.8333% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.8811% | 561 |
| Noncurrent loans to loans | 1.2121% | 582 |
| Net loans and leases to total assets | 71.6300% | 1,570 |
| Net loans and leases to deposits | 82.7361% | 1,779 |
| Net loans and leases to core deposits | 95.0085% | 1,522 |
| Total domestic deposits to total assets | 86.5700% | 2,072 |
| Equity capital to assets | 12.6368% | 904 |
| Core capital (leverage) ratio | 12.4422% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $28,787,667 | 4,520 |
| Average earning assets | $26,825,333 | 4,489 |
| Average equity | $3,307,333 | 4,452 |
| Average total loans | $18,296,667 | 4,357 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5870% | 541 |
| Cost of funding earning assets | 0.7546% | 2,886 |
| Net interest margin | 4.8324% | 354 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.8956% | 1,241 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7049% | 814 |
| Return on assets (ROA) | 1.7049% | 809 |
| Pretax return on assets | 1.8808% | 935 |
| Return on Equity (ROE) | 15.5600% | 1,451 |
| Retained earnings to average equity (ytd only) | 15.5556% | 737 |
| Net charge-offs to loans | 0.2736% | 279 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 11.5833% | 1,632 |
| Efficiency ratio | 60.6232% | 2,880 |
| Assets per employee ($millions) | 4.7388% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6237% | 969 |
| Loan loss allowance to noncurrent loans | 22.0868% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 4.6179% | 18 |
| Noncurrent loans to loans | 7.3516% | 28 |
| Net loans and leases to total assets | 61.7900% | 2,485 |
| Net loans and leases to deposits | 70.4237% | 2,570 |
| Net loans and leases to core deposits | 79.5491% | 2,284 |
| Total domestic deposits to total assets | 87.7500% | 2,006 |
| Equity capital to assets | 11.6168% | 1,121 |
| Core capital (leverage) ratio | 11.5429% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $29,562,500 | 4,578 |
| Average earning assets | $27,564,000 | 4,550 |
| Average equity | $3,240,000 | 4,515 |
| Average total loans | $17,545,000 | 4,430 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 824 |
| Cost of funding earning assets | 0.5085% | 1,330 |
| Net interest margin | 3.9274% | 900 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.8367% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1614% | 1,931 |
| Return on assets (ROA) | 1.1614% | 1,863 |
| Pretax return on assets | 1.1374% | 2,653 |
| Return on Equity (ROE) | 11.0500% | 2,459 |
| Retained earnings to average equity (ytd only) | 8.4403% | 1,660 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.3793% | 1,515 |
| Assets per employee ($millions) | 5.1153% | 3,581 |
| Cash dividends to net income (ytd only)* | 23.5988% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 725 |
| Loan loss allowance to noncurrent loans | 116.6023% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 546 |
| Noncurrent loans to loans | 1.5032% | 433 |
| Net loans and leases to total assets | 55.1500% | 3,106 |
| Net loans and leases to deposits | 62.3247% | 3,172 |
| Net loans and leases to core deposits | 71.1141% | 2,791 |
| Total domestic deposits to total assets | 88.5000% | 1,886 |
| Equity capital to assets | 10.3512% | 1,533 |
| Core capital (leverage) ratio | 10.5324% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $29,189,000 | 4,614 |
| Average earning assets | $26,353,200 | 4,586 |
| Average equity | $3,068,600 | 4,605 |
| Average total loans | $16,529,200 | 4,461 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 870 |
| Cost of funding earning assets | 0.4953% | 763 |
| Net interest margin | 3.7149% | 1,101 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.7024% | 1,468 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2170% | 1,645 |
| Return on assets (ROA) | 1.2170% | 1,617 |
| Pretax return on assets | 1.1337% | 2,617 |
| Return on Equity (ROE) | 11.5300% | 2,195 |
| Retained earnings to average equity (ytd only) | 11.5291% | 910 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.4463% | 1,705 |
| Assets per employee ($millions) | 4.9118% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8914% | 614 |
| Loan loss allowance to noncurrent loans | 111.8519% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.9162% | 513 |
| Noncurrent loans to loans | 1.6910% | 386 |
| Net loans and leases to total assets | 53.1500% | 3,171 |
| Net loans and leases to deposits | 60.2801% | 3,175 |
| Net loans and leases to core deposits | 68.2898% | 2,775 |
| Total domestic deposits to total assets | 88.1800% | 2,376 |
| Equity capital to assets | 10.7937% | 1,255 |
| Core capital (leverage) ratio | 10.8500% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $28,813,250 | 4,652 |
| Average earning assets | $25,841,000 | 4,628 |
| Average equity | $3,041,500 | 4,651 |
| Average total loans | $16,354,000 | 4,498 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9767% | 970 |
| Cost of funding earning assets | 0.4932% | 535 |
| Net interest margin | 3.4835% | 1,359 |
| Noninterest income to average assets | 0.6435% | 1,571 |
| Noninterest expense to average assets | 2.7278% | 1,318 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0911% | 1,805 |
| Return on assets (ROA) | 1.0911% | 1,789 |
| Pretax return on assets | 1.0282% | 2,638 |
| Return on Equity (ROE) | 10.4174% | 2,186 |
| Retained earnings to average equity (ytd only) | 10.4174% | 921 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6257% | 1,675 |
| Assets per employee ($millions) | 4.8682% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 829 |
| Loan loss allowance to noncurrent loans | 104.8611% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.9860% | 483 |
| Noncurrent loans to loans | 1.7057% | 410 |
| Net loans and leases to total assets | 56.7736% | 2,669 |
| Net loans and leases to deposits | 64.0839% | 2,714 |
| Net loans and leases to core deposits | 71.5247% | 2,376 |
| Total domestic deposits to total assets | 88.5926% | 2,334 |
| Equity capital to assets | 10.5242% | 1,415 |
| Core capital (leverage) ratio | 10.8186% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,594,000 | 4,689 |
| Average earning assets | $25,549,000 | 4,679 |
| Average equity | $2,995,000 | 4,688 |
| Average total loans | $16,483,000 | 4,558 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8511% | 997 |
| Cost of funding earning assets | 0.4913% | 517 |
| Net interest margin | 3.3598% | 1,412 |
| Noninterest income to average assets | 0.9757% | 714 |
| Noninterest expense to average assets | 2.7858% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0606% | 1,650 |
| Return on assets (ROA) | 1.0606% | 1,644 |
| Pretax return on assets | 1.1878% | 1,844 |
| Return on Equity (ROE) | 10.1506% | 1,909 |
| Retained earnings to average equity (ytd only) | 10.1506% | 988 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1068% | 2,213 |
| Assets per employee ($millions) | 4.7783% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 791 |
| Loan loss allowance to noncurrent loans | 113.9623% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.9243% | 579 |
| Noncurrent loans to loans | 1.6354% | 486 |
| Net loans and leases to total assets | 55.4656% | 2,582 |
| Net loans and leases to deposits | 62.5891% | 2,665 |
| Net loans and leases to core deposits | 69.9881% | 2,291 |
| Total domestic deposits to total assets | 88.6188% | 2,249 |
| Equity capital to assets | 10.4395% | 1,614 |
| Core capital (leverage) ratio | 10.4984% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,286,500 | 4,714 |
| Average earning assets | $25,239,500 | 4,703 |
| Average equity | $2,955,500 | 4,720 |
| Average total loans | $16,282,000 | 4,573 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1029% | 231 |
| Cost of funding earning assets | 0.6203% | 496 |
| Net interest margin | 4.4826% | 284 |
| Noninterest income to average assets | 0.2893% | 3,661 |
| Noninterest expense to average assets | 3.2163% | 709 |
| Loan and lease loss provision to assets | 0.1127% | 1,117 |
| Net operating income to assets | 1.0258% | 2,576 |
| Return on assets (ROA) | 1.0258% | 2,645 |
| Pretax return on assets | 0.9243% | 3,439 |
| Return on Equity (ROE) | 9.4235% | 2,747 |
| Retained earnings to average equity (ytd only) | 6.6621% | 2,051 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6184% | 1,137 |
| Assets per employee ($millions) | 4.6505% | 4,001 |
| Cash dividends to net income (ytd only)* | 29.3040% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8460% | 803 |
| Loan loss allowance to noncurrent loans | 774.3590% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 2,955 |
| Noncurrent loans to loans | 0.2384% | 2,779 |
| Net loans and leases to total assets | 57.5494% | 2,419 |
| Net loans and leases to deposits | 64.9385% | 2,602 |
| Net loans and leases to core deposits | 71.8350% | 2,275 |
| Total domestic deposits to total assets | 88.6213% | 1,721 |
| Equity capital to assets | 10.4577% | 2,210 |
| Core capital (leverage) ratio | 10.3365% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,614,400 | 4,765 |
| Average earning assets | $23,535,600 | 4,757 |
| Average equity | $2,897,000 | 4,766 |
| Average total loans | $16,514,800 | 4,626 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4857% | 149 |
| Cost of funding earning assets | 0.6491% | 497 |
| Net interest margin | 4.8366% | 190 |
| Noninterest income to average assets | 0.3043% | 3,614 |
| Noninterest expense to average assets | 2.9514% | 1,045 |
| Loan and lease loss provision to assets | 0.1521% | 734 |
| Net operating income to assets | 1.5771% | 1,085 |
| Return on assets (ROA) | 1.5771% | 1,133 |
| Pretax return on assets | 1.4706% | 2,079 |
| Return on Equity (ROE) | 14.3393% | 1,304 |
| Retained earnings to average equity (ytd only) | 14.3393% | 477 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5233% | 2,315 |
| Assets per employee ($millions) | 4.5387% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 851 |
| Loan loss allowance to noncurrent loans | 736.5854% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 3,104 |
| Noncurrent loans to loans | 0.2509% | 2,933 |
| Net loans and leases to total assets | 58.9013% | 2,383 |
| Net loans and leases to deposits | 66.9868% | 2,544 |
| Net loans and leases to core deposits | 74.3419% | 2,204 |
| Total domestic deposits to total assets | 87.9296% | 1,886 |
| Equity capital to assets | 11.1486% | 1,917 |
| Core capital (leverage) ratio | 10.9809% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,292,250 | 4,840 |
| Average earning assets | $23,211,250 | 4,832 |
| Average equity | $2,891,750 | 4,840 |
| Average total loans | $16,553,500 | 4,695 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9917% | 100 |
| Cost of funding earning assets | 0.6880% | 493 |
| Net interest margin | 5.3037% | 121 |
| Noninterest income to average assets | 0.3541% | 3,344 |
| Noninterest expense to average assets | 3.0640% | 890 |
| Loan and lease loss provision to assets | 0.2310% | 447 |
| Net operating income to assets | 1.8476% | 652 |
| Return on assets (ROA) | 1.8476% | 678 |
| Pretax return on assets | 1.7476% | 1,364 |
| Return on Equity (ROE) | 16.8796% | 801 |
| Retained earnings to average equity (ytd only) | 16.8796% | 278 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7634% | 2,900 |
| Assets per employee ($millions) | 4.4647% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6889% | 1,087 |
| Loan loss allowance to noncurrent loans | 511.8644% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 2,832 |
| Noncurrent loans to loans | 0.3300% | 2,726 |
| Net loans and leases to total assets | 65.6227% | 1,740 |
| Net loans and leases to deposits | 74.5853% | 1,944 |
| Net loans and leases to core deposits | 82.5073% | 1,680 |
| Total domestic deposits to total assets | 87.9834% | 1,832 |
| Equity capital to assets | 11.0684% | 1,934 |
| Core capital (leverage) ratio | 11.1115% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,979,000 | 4,877 |
| Average earning assets | $22,965,000 | 4,869 |
| Average equity | $2,843,667 | 4,876 |
| Average total loans | $16,624,000 | 4,728 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0249% | 105 |
| Cost of funding earning assets | 0.7421% | 465 |
| Net interest margin | 5.2828% | 137 |
| Noninterest income to average assets | 0.4849% | 2,676 |
| Noninterest expense to average assets | 3.2063% | 713 |
| Loan and lease loss provision to assets | 0.2346% | 474 |
| Net operating income to assets | 1.8143% | 764 |
| Return on assets (ROA) | 1.8143% | 815 |
| Pretax return on assets | 1.7205% | 1,448 |
| Return on Equity (ROE) | 16.6727% | 896 |
| Retained earnings to average equity (ytd only) | 16.6727% | 449 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1212% | 2,736 |
| Assets per employee ($millions) | 5.2152% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7419% | 960 |
| Loan loss allowance to noncurrent loans | 398.6111% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 2,769 |
| Noncurrent loans to loans | 0.4370% | 2,547 |
| Net loans and leases to total assets | 62.0839% | 2,279 |
| Net loans and leases to deposits | 70.4237% | 2,468 |
| Net loans and leases to core deposits | 76.7469% | 2,288 |
| Total domestic deposits to total assets | 88.1577% | 1,761 |
| Equity capital to assets | 10.8951% | 1,938 |
| Core capital (leverage) ratio | 11.0014% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,574,500 | 4,906 |
| Average earning assets | $22,639,500 | 4,895 |
| Average equity | $2,783,000 | 4,903 |
| Average total loans | $15,995,500 | 4,761 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2835% | 274 |
| Cost of funding earning assets | 0.9938% | 606 |
| Net interest margin | 4.2897% | 519 |
| Noninterest income to average assets | 0.3548% | 3,346 |
| Noninterest expense to average assets | 3.0301% | 1,376 |
| Loan and lease loss provision to assets | 2.3456% | 24 |
| Net operating income to assets | -0.9224% | 4,924 |
| Return on assets (ROA) | -0.9224% | 4,927 |
| Pretax return on assets | -1.0935% | 4,931 |
| Return on Equity (ROE) | -7.8631% | 4,924 |
| Retained earnings to average equity (ytd only) | -7.8631% | 4,883 |
| Net charge-offs to loans | 3.6539% | 22 |
| Credit loss provision to net charge-offs | 94.7723% | 2,893 |
| Earnings coverage of net charge-offs (x) | 0.5059% | 3,321 |
| Efficiency ratio | 70.7602% | 1,842 |
| Assets per employee ($millions) | 5.0146% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 941 |
| Loan loss allowance to noncurrent loans | 431.7460% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 3,031 |
| Noncurrent loans to loans | 0.4061% | 2,759 |
| Net loans and leases to total assets | 60.7945% | 2,759 |
| Net loans and leases to deposits | 68.9385% | 2,985 |
| Net loans and leases to core deposits | 74.3634% | 2,880 |
| Total domestic deposits to total assets | 88.1865% | 1,383 |
| Equity capital to assets | 10.8683% | 2,371 |
| Core capital (leverage) ratio | 10.9324% | 1,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,959,800 | 4,931 |
| Average earning assets | $21,936,400 | 4,909 |
| Average equity | $2,810,600 | 4,918 |
| Average total loans | $16,229,200 | 4,782 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6041% | 183 |
| Cost of funding earning assets | 1.0234% | 705 |
| Net interest margin | 4.5807% | 319 |
| Noninterest income to average assets | 0.3491% | 3,377 |
| Noninterest expense to average assets | 2.9333% | 1,604 |
| Loan and lease loss provision to assets | 2.9094% | 26 |
| Net operating income to assets | -1.2780% | 4,965 |
| Return on assets (ROA) | -1.2780% | 4,964 |
| Pretax return on assets | -1.2611% | 4,956 |
| Return on Equity (ROE) | -10.6871% | 4,969 |
| Retained earnings to average equity (ytd only) | -10.6871% | 4,936 |
| Net charge-offs to loans | 4.2012% | 20 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 0.5667% | 3,121 |
| Efficiency ratio | 64.0049% | 2,731 |
| Assets per employee ($millions) | 4.8672% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 515 |
| Loan loss allowance to noncurrent loans | 216.9014% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.5835% | 1,980 |
| Noncurrent loans to loans | 0.9110% | 1,636 |
| Net loans and leases to total assets | 62.7835% | 2,907 |
| Net loans and leases to deposits | 71.5409% | 3,178 |
| Net loans and leases to core deposits | 77.3542% | 3,064 |
| Total domestic deposits to total assets | 87.7589% | 1,316 |
| Equity capital to assets | 11.1727% | 2,262 |
| Core capital (leverage) ratio | 11.1075% | 1,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,681,500 | 4,960 |
| Average earning assets | $21,888,250 | 4,941 |
| Average equity | $2,832,000 | 4,948 |
| Average total loans | $16,407,750 | 4,812 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1660% | 120 |
| Cost of funding earning assets | 1.0676% | 798 |
| Net interest margin | 5.0985% | 170 |
| Noninterest income to average assets | 0.3665% | 3,281 |
| Noninterest expense to average assets | 2.9067% | 1,809 |
| Loan and lease loss provision to assets | 4.4069% | 20 |
| Net operating income to assets | -2.3185% | 5,022 |
| Return on assets (ROA) | -2.3185% | 5,022 |
| Pretax return on assets | -2.2247% | 5,014 |
| Return on Equity (ROE) | -18.9569% | 5,030 |
| Retained earnings to average equity (ytd only) | -18.9569% | 5,005 |
| Net charge-offs to loans | 6.3065% | 13 |
| Credit loss provision to net charge-offs | 98.2890% | 2,424 |
| Earnings coverage of net charge-offs (x) | 0.4867% | 2,918 |
| Efficiency ratio | 57.1189% | 3,797 |
| Assets per employee ($millions) | 4.8244% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8550% | 587 |
| Loan loss allowance to noncurrent loans | 209.0909% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5928% | 2,033 |
| Noncurrent loans to loans | 0.8872% | 1,723 |
| Net loans and leases to total assets | 65.5833% | 2,686 |
| Net loans and leases to deposits | 74.7178% | 3,007 |
| Net loans and leases to core deposits | 79.7459% | 2,971 |
| Total domestic deposits to total assets | 87.7746% | 1,298 |
| Equity capital to assets | 11.0853% | 2,263 |
| Core capital (leverage) ratio | 11.0807% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,463,333 | 4,990 |
| Average earning assets | $21,732,000 | 4,971 |
| Average equity | $2,869,667 | 4,974 |
| Average total loans | $16,681,333 | 4,836 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7435% | 1,575 |
| Cost of funding earning assets | 1.0687% | 1,151 |
| Net interest margin | 3.6748% | 2,420 |
| Noninterest income to average assets | 0.4323% | 2,895 |
| Noninterest expense to average assets | 2.8357% | 2,321 |
| Loan and lease loss provision to assets | 0.1729% | 1,706 |
| Net operating income to assets | 0.7608% | 3,052 |
| Return on assets (ROA) | 0.7608% | 3,131 |
| Pretax return on assets | 0.8127% | 3,379 |
| Return on Equity (ROE) | 5.9309% | 3,337 |
| Retained earnings to average equity (ytd only) | 5.9309% | 1,900 |
| Net charge-offs to loans | 0.2830% | 521 |
| Credit loss provision to net charge-offs | 83.3333% | 1,921 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 2,117 |
| Efficiency ratio | 74.2081% | 1,787 |
| Assets per employee ($millions) | 4.7368% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8621% | 648 |
| Loan loss allowance to noncurrent loans | 23.2700% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 5.5523% | 55 |
| Noncurrent loans to loans | 8.0022% | 45 |
| Net loans and leases to total assets | 68.0924% | 2,524 |
| Net loans and leases to deposits | 78.9185% | 2,784 |
| Net loans and leases to core deposits | 84.3992% | 2,816 |
| Total domestic deposits to total assets | 86.2819% | 1,879 |
| Equity capital to assets | 12.6246% | 1,660 |
| Core capital (leverage) ratio | 13.1077% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1812% | 383 |
| Memoranda: | ||
| Average total assets | $23,134,000 | 5,035 |
| Average earning assets | $21,334,500 | 5,020 |
| Average equity | $2,967,500 | 5,016 |
| Average total loans | $16,962,500 | 4,870 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6170% | 463 |
| Cost of funding earning assets | 0.9673% | 1,871 |
| Net interest margin | 4.6498% | 521 |
| Noninterest income to average assets | 0.3683% | 3,500 |
| Noninterest expense to average assets | 3.4086% | 1,101 |
| Loan and lease loss provision to assets | 0.2470% | 750 |
| Net operating income to assets | 0.8622% | 3,350 |
| Return on assets (ROA) | 0.8622% | 3,443 |
| Pretax return on assets | 0.9655% | 3,556 |
| Return on Equity (ROE) | 6.5610% | 3,723 |
| Retained earnings to average equity (ytd only) | 3.8272% | 3,061 |
| Net charge-offs to loans | 0.0904% | 1,829 |
| Credit loss provision to net charge-offs | 343.7500% | 810 |
| Earnings coverage of net charge-offs (x) | 16.8750% | 2,137 |
| Efficiency ratio | 73.7609% | 1,632 |
| Assets per employee ($millions) | 4.5168% | 3,198 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 705 |
| Loan loss allowance to noncurrent loans | 25.8606% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 5.2736% | 48 |
| Noncurrent loans to loans | 6.8088% | 52 |
| Net loans and leases to total assets | 76.0893% | 1,393 |
| Net loans and leases to deposits | 89.0640% | 1,689 |
| Net loans and leases to core deposits | 97.0135% | 1,814 |
| Total domestic deposits to total assets | 85.4322% | 2,331 |
| Equity capital to assets | 13.0402% | 1,495 |
| Core capital (leverage) ratio | 13.1620% | 1,164 |
| Tier 1 risk-based capital ratio | 27.4720% | 591 |
| Total risk-based capital ratio | 28.7407% | 577 |
| Memoranda: | ||
| Average total assets | $22,267,400 | 5,097 |
| Average earning assets | $20,366,600 | 5,087 |
| Average equity | $2,926,400 | 5,075 |
| Average total loans | $17,699,800 | 4,909 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6715% | 437 |
| Cost of funding earning assets | 0.9266% | 2,104 |
| Net interest margin | 4.7448% | 458 |
| Noninterest income to average assets | 0.3485% | 3,641 |
| Noninterest expense to average assets | 3.2689% | 1,332 |
| Loan and lease loss provision to assets | 0.3305% | 419 |
| Net operating income to assets | 1.0576% | 2,748 |
| Return on assets (ROA) | 1.0576% | 2,828 |
| Pretax return on assets | 1.0876% | 3,330 |
| Return on Equity (ROE) | 8.0315% | 3,293 |
| Retained earnings to average equity (ytd only) | 8.0315% | 1,376 |
| Net charge-offs to loans | 0.1352% | 1,187 |
| Credit loss provision to net charge-offs | 305.5556% | 939 |
| Earnings coverage of net charge-offs (x) | 13.1108% | 2,315 |
| Efficiency ratio | 69.7436% | 2,155 |
| Assets per employee ($millions) | 4.4226% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 823 |
| Loan loss allowance to noncurrent loans | 26.0870% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 5.3046% | 66 |
| Noncurrent loans to loans | 6.5094% | 61 |
| Net loans and leases to total assets | 80.1067% | 830 |
| Net loans and leases to deposits | 99.0273% | 717 |
| Net loans and leases to core deposits | 108.5683% | 1,014 |
| Total domestic deposits to total assets | 80.8936% | 3,792 |
| Equity capital to assets | 13.6119% | 1,308 |
| Core capital (leverage) ratio | 13.8149% | 1,033 |
| Tier 1 risk-based capital ratio | 27.3587% | 616 |
| Total risk-based capital ratio | 28.6221% | 602 |
| Memoranda: | ||
| Average total assets | $22,188,250 | 5,176 |
| Average earning assets | $20,288,250 | 5,165 |
| Average equity | $2,921,750 | 5,151 |
| Average total loans | $17,751,750 | 4,986 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7753% | 352 |
| Cost of funding earning assets | 0.8727% | 2,284 |
| Net interest margin | 4.9026% | 349 |
| Noninterest income to average assets | 0.3331% | 3,708 |
| Noninterest expense to average assets | 3.2143% | 1,480 |
| Loan and lease loss provision to assets | 0.4952% | 237 |
| Net operating income to assets | 1.1164% | 2,458 |
| Return on assets (ROA) | 1.1164% | 2,532 |
| Pretax return on assets | 1.1255% | 3,158 |
| Return on Equity (ROE) | 8.5744% | 3,036 |
| Retained earnings to average equity (ytd only) | 8.5744% | 1,176 |
| Net charge-offs to loans | 0.2151% | 773 |
| Credit loss provision to net charge-offs | 289.4737% | 928 |
| Earnings coverage of net charge-offs (x) | 9.4737% | 2,336 |
| Efficiency ratio | 66.4804% | 2,754 |
| Assets per employee ($millions) | 4.3236% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 701 |
| Loan loss allowance to noncurrent loans | 26.0017% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 5.4260% | 65 |
| Noncurrent loans to loans | 6.8576% | 54 |
| Net loans and leases to total assets | 77.7130% | 1,272 |
| Net loans and leases to deposits | 91.5631% | 1,542 |
| Net loans and leases to core deposits | 98.3434% | 1,862 |
| Total domestic deposits to total assets | 84.8737% | 2,534 |
| Equity capital to assets | 13.6830% | 1,245 |
| Core capital (leverage) ratio | 13.5167% | 1,106 |
| Tier 1 risk-based capital ratio | 26.8762% | 630 |
| Total risk-based capital ratio | 28.1392% | 618 |
| Memoranda: | ||
| Average total assets | $22,213,330 | 5,222 |
| Average earning assets | $20,397,330 | 5,209 |
| Average equity | $2,892,330 | 5,195 |
| Average total loans | $17,662,330 | 5,032 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3516% | 693 |
| Cost of funding earning assets | 0.8338% | 2,355 |
| Net interest margin | 4.5178% | 713 |
| Noninterest income to average assets | 0.3021% | 3,861 |
| Noninterest expense to average assets | 3.1096% | 1,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9062% | 3,211 |
| Return on assets (ROA) | 0.9062% | 3,261 |
| Pretax return on assets | 1.3327% | 2,320 |
| Return on Equity (ROE) | 7.1341% | 3,623 |
| Retained earnings to average equity (ytd only) | 7.1341% | 1,988 |
| Net charge-offs to loans | -0.0221% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0000% | 2,341 |
| Assets per employee ($millions) | 3.7590% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2328% | 341 |
| Loan loss allowance to noncurrent loans | 16.3585% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 11.0313% | 13 |
| Noncurrent loans to loans | 13.6493% | 13 |
| Net loans and leases to total assets | 79.0148% | 986 |
| Net loans and leases to deposits | 92.3511% | 1,364 |
| Net loans and leases to core deposits | 97.3985% | 1,825 |
| Total domestic deposits to total assets | 85.5591% | 2,460 |
| Equity capital to assets | 12.7915% | 1,570 |
| Core capital (leverage) ratio | 12.9546% | 1,295 |
| Tier 1 risk-based capital ratio | 17.0307% | 2,097 |
| Total risk-based capital ratio | 18.2940% | 2,036 |
| Memoranda: | ||
| Average total assets | $22,511,000 | 5,275 |
| Average earning assets | $20,629,500 | 5,260 |
| Average equity | $2,859,500 | 5,252 |
| Average total loans | $18,081,000 | 5,074 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5164% | 384 |
| Cost of funding earning assets | 0.6414% | 2,453 |
| Net interest margin | 4.8749% | 336 |
| Noninterest income to average assets | 0.3282% | 3,910 |
| Noninterest expense to average assets | 3.1866% | 1,585 |
| Loan and lease loss provision to assets | 0.4016% | 336 |
| Net operating income to assets | 0.9370% | 3,294 |
| Return on assets (ROA) | 0.9370% | 3,289 |
| Pretax return on assets | 1.1701% | 3,014 |
| Return on Equity (ROE) | 7.6559% | 3,592 |
| Retained earnings to average equity (ytd only) | 4.8335% | 2,871 |
| Net charge-offs to loans | 0.1729% | 1,117 |
| Credit loss provision to net charge-offs | 300.0000% | 1,027 |
| Earnings coverage of net charge-offs (x) | 11.7419% | 2,603 |
| Efficiency ratio | 66.9691% | 2,716 |
| Assets per employee ($millions) | 3.7447% | 4,259 |
| Cash dividends to net income (ytd only)* | 36.8664% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2639% | 296 |
| Loan loss allowance to noncurrent loans | 14.5676% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 12.4043% | 9 |
| Noncurrent loans to loans | 15.5403% | 9 |
| Net loans and leases to total assets | 78.0132% | 1,268 |
| Net loans and leases to deposits | 90.7951% | 1,699 |
| Net loans and leases to core deposits | 95.7291% | 2,081 |
| Total domestic deposits to total assets | 85.9222% | 2,274 |
| Equity capital to assets | 12.6135% | 1,531 |
| Core capital (leverage) ratio | 12.4906% | 1,458 |
| Tier 1 risk-based capital ratio | 21.3516% | 1,118 |
| Total risk-based capital ratio | 22.6173% | 1,094 |
| Memoranda: | ||
| Average total assets | $23,159,800 | 5,314 |
| Average earning assets | $21,046,400 | 5,302 |
| Average equity | $2,834,400 | 5,292 |
| Average total loans | $17,931,800 | 5,122 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5707% | 312 |
| Cost of funding earning assets | 0.6364% | 2,235 |
| Net interest margin | 4.9342% | 295 |
| Noninterest income to average assets | 0.3200% | 4,008 |
| Noninterest expense to average assets | 3.0457% | 1,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5771% | 1,005 |
| Return on assets (ROA) | 1.5771% | 1,009 |
| Pretax return on assets | 1.7486% | 1,148 |
| Return on Equity (ROE) | 12.9825% | 1,437 |
| Retained earnings to average equity (ytd only) | 12.9825% | 361 |
| Net charge-offs to loans | 0.2231% | 762 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 10.1998% | 2,600 |
| Efficiency ratio | 63.5280% | 3,266 |
| Assets per employee ($millions) | 3.7063% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 867 |
| Loan loss allowance to noncurrent loans | 12.6562% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 11.1566% | 15 |
| Noncurrent loans to loans | 13.4348% | 13 |
| Net loans and leases to total assets | 81.6305% | 776 |
| Net loans and leases to deposits | 95.8043% | 1,180 |
| Net loans and leases to core deposits | 99.1750% | 1,856 |
| Total domestic deposits to total assets | 85.2055% | 2,526 |
| Equity capital to assets | 13.3690% | 1,181 |
| Core capital (leverage) ratio | 12.7542% | 1,391 |
| Tier 1 risk-based capital ratio | 22.1140% | 1,038 |
| Total risk-based capital ratio | 23.3710% | 1,015 |
| Memoranda: | ||
| Average total assets | $23,332,750 | 5,385 |
| Average earning assets | $21,158,000 | 5,372 |
| Average equity | $2,834,500 | 5,362 |
| Average total loans | $17,931,250 | 5,181 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6492% | 257 |
| Cost of funding earning assets | 0.6360% | 2,012 |
| Net interest margin | 5.0132% | 240 |
| Noninterest income to average assets | 0.2785% | 4,324 |
| Noninterest expense to average assets | 3.0214% | 1,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7386% | 672 |
| Return on assets (ROA) | 1.7386% | 671 |
| Pretax return on assets | 1.7808% | 1,005 |
| Return on Equity (ROE) | 14.7759% | 897 |
| Retained earnings to average equity (ytd only) | 14.7759% | 214 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9174% | 3,500 |
| Assets per employee ($millions) | 4.0165% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8890% | 646 |
| Loan loss allowance to noncurrent loans | 12.6984% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 11.2411% | 15 |
| Noncurrent loans to loans | 14.8756% | 10 |
| Net loans and leases to total assets | 74.1400% | 1,928 |
| Net loans and leases to deposits | 85.5822% | 2,363 |
| Net loans and leases to core deposits | 88.2931% | 2,693 |
| Total domestic deposits to total assets | 86.6302% | 2,003 |
| Equity capital to assets | 12.0461% | 1,828 |
| Core capital (leverage) ratio | 12.4807% | 1,451 |
| Tier 1 risk-based capital ratio | 20.8744% | 1,202 |
| Total risk-based capital ratio | 22.1327% | 1,168 |
| Memoranda: | ||
| Average total assets | $23,697,670 | 5,444 |
| Average earning assets | $21,383,670 | 5,433 |
| Average equity | $2,788,330 | 5,425 |
| Average total loans | $17,752,670 | 5,247 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5698% | 246 |
| Cost of funding earning assets | 0.6419% | 1,767 |
| Net interest margin | 4.9279% | 262 |
| Noninterest income to average assets | 0.2043% | 4,805 |
| Noninterest expense to average assets | 3.0472% | 1,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1576% | 2,183 |
| Return on assets (ROA) | 1.1576% | 2,197 |
| Pretax return on assets | 1.6002% | 1,395 |
| Return on Equity (ROE) | 9.9597% | 2,456 |
| Retained earnings to average equity (ytd only) | 9.9597% | 1,171 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5678% | 3,241 |
| Assets per employee ($millions) | 3.8537% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9720% | 575 |
| Loan loss allowance to noncurrent loans | 21.6761% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 6.8636% | 51 |
| Noncurrent loans to loans | 9.0977% | 34 |
| Net loans and leases to total assets | 73.9555% | 1,860 |
| Net loans and leases to deposits | 85.7917% | 2,188 |
| Net loans and leases to core deposits | 88.6378% | 2,579 |
| Total domestic deposits to total assets | 86.2036% | 2,447 |
| Equity capital to assets | 11.9583% | 1,818 |
| Core capital (leverage) ratio | 12.0040% | 1,648 |
| Tier 1 risk-based capital ratio | 24.1611% | 828 |
| Total risk-based capital ratio | 25.4282% | 801 |
| Memoranda: | ||
| Average total assets | $23,497,000 | 5,505 |
| Average earning assets | $21,185,500 | 5,495 |
| Average equity | $2,731,000 | 5,492 |
| Average total loans | $17,523,500 | 5,311 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5276% | 1,625 |
| Cost of funding earning assets | 0.6148% | 1,506 |
| Net interest margin | 3.9128% | 2,047 |
| Noninterest income to average assets | 0.4205% | 3,501 |
| Noninterest expense to average assets | 3.0261% | 2,082 |
| Loan and lease loss provision to assets | 0.3382% | 484 |
| Net operating income to assets | 0.6243% | 3,913 |
| Return on assets (ROA) | 0.6243% | 3,952 |
| Pretax return on assets | 0.6156% | 4,707 |
| Return on Equity (ROE) | 5.3739% | 4,012 |
| Retained earnings to average equity (ytd only) | 3.1348% | 3,418 |
| Net charge-offs to loans | 0.5254% | 442 |
| Credit loss provision to net charge-offs | 78.7879% | 2,958 |
| Earnings coverage of net charge-offs (x) | 2.2222% | 3,781 |
| Efficiency ratio | 76.0349% | 1,614 |
| Assets per employee ($millions) | 3.9787% | 3,996 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9542% | 587 |
| Loan loss allowance to noncurrent loans | 14.3453% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 10.3175% | 23 |
| Noncurrent loans to loans | 13.6227% | 9 |
| Net loans and leases to total assets | 72.2981% | 2,181 |
| Net loans and leases to deposits | 83.0239% | 2,609 |
| Net loans and leases to core deposits | 85.6526% | 2,936 |
| Total domestic deposits to total assets | 87.0811% | 1,954 |
| Equity capital to assets | 11.2978% | 2,363 |
| Core capital (leverage) ratio | 11.3836% | 2,030 |
| Tier 1 risk-based capital ratio | 22.3595% | 977 |
| Total risk-based capital ratio | 23.6279% | 951 |
| Memoranda: | ||
| Average total assets | $23,066,000 | 5,570 |
| Average earning assets | $20,982,200 | 5,553 |
| Average equity | $2,679,600 | 5,555 |
| Average total loans | $18,842,000 | 5,337 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 2,907 |
| Cost of funding earning assets | 0.5945% | 1,569 |
| Net interest margin | 3.5285% | 3,394 |
| Noninterest income to average assets | 0.4957% | 3,051 |
| Noninterest expense to average assets | 2.9914% | 2,131 |
| Loan and lease loss provision to assets | 0.4549% | 283 |
| Net operating income to assets | 0.3674% | 5,069 |
| Return on assets (ROA) | 0.3674% | 5,089 |
| Pretax return on assets | 0.2682% | 5,328 |
| Return on Equity (ROE) | 3.1399% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.1399% | 4,036 |
| Net charge-offs to loans | 0.6753% | 286 |
| Credit loss provision to net charge-offs | 80.4124% | 2,575 |
| Earnings coverage of net charge-offs (x) | 1.2784% | 3,584 |
| Efficiency ratio | 80.5338% | 1,045 |
| Assets per employee ($millions) | 3.8935% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7782% | 888 |
| Loan loss allowance to noncurrent loans | 11.6303% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 13.0131% | 13 |
| Noncurrent loans to loans | 15.2893% | 7 |
| Net loans and leases to total assets | 81.8116% | 725 |
| Net loans and leases to deposits | 97.4953% | 967 |
| Net loans and leases to core deposits | 100.7645% | 1,642 |
| Total domestic deposits to total assets | 83.9134% | 3,151 |
| Equity capital to assets | 11.4550% | 2,416 |
| Core capital (leverage) ratio | 11.3635% | 2,130 |
| Tier 1 risk-based capital ratio | 20.4244% | 1,290 |
| Total risk-based capital ratio | 21.6913% | 1,260 |
| Memoranda: | ||
| Average total assets | $22,864,500 | 5,638 |
| Average earning assets | $20,858,250 | 5,619 |
| Average equity | $2,675,250 | 5,614 |
| Average total loans | $19,151,750 | 5,391 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3984% | 1,818 |
| Cost of funding earning assets | 0.5775% | 1,597 |
| Net interest margin | 3.8209% | 2,203 |
| Noninterest income to average assets | 0.5450% | 2,745 |
| Noninterest expense to average assets | 3.0152% | 2,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3977% | 1,076 |
| Return on assets (ROA) | 1.3977% | 1,100 |
| Pretax return on assets | 1.0197% | 3,480 |
| Return on Equity (ROE) | 11.6598% | 1,400 |
| Retained earnings to average equity (ytd only) | 11.6598% | 353 |
| Net charge-offs to loans | 0.2831% | 719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.2963% | 2,951 |
| Efficiency ratio | 74.7277% | 1,893 |
| Assets per employee ($millions) | 3.8547% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7221% | 1,015 |
| Loan loss allowance to noncurrent loans | 9.4598% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 15.7299% | 10 |
| Noncurrent loans to loans | 18.2045% | 5 |
| Net loans and leases to total assets | 83.4011% | 499 |
| Net loans and leases to deposits | 98.1529% | 883 |
| Net loans and leases to core deposits | 103.0836% | 1,435 |
| Total domestic deposits to total assets | 84.9706% | 2,829 |
| Equity capital to assets | 11.9855% | 1,939 |
| Core capital (leverage) ratio | 12.2152% | 1,524 |
| Tier 1 risk-based capital ratio | 18.8060% | 1,639 |
| Total risk-based capital ratio | 20.0678% | 1,593 |
| Memoranda: | ||
| Average total assets | $22,751,330 | 5,685 |
| Average earning assets | $20,780,330 | 5,667 |
| Average equity | $2,727,330 | 5,660 |
| Average total loans | $19,073,000 | 5,439 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4642% | 245 |
| Cost of funding earning assets | 0.5464% | 1,737 |
| Net interest margin | 4.9178% | 255 |
| Noninterest income to average assets | 0.7091% | 1,922 |
| Noninterest expense to average assets | 2.9961% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 3.2442% | 82 |
| Return on assets (ROA) | 3.2442% | 81 |
| Pretax return on assets | 2.1806% | 365 |
| Return on Equity (ROE) | 27.0610% | 64 |
| Retained earnings to average equity (ytd only) | 27.0610% | 40 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8767% | 4,731 |
| Assets per employee ($millions) | 3.7292% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9265% | 755 |
| Loan loss allowance to noncurrent loans | 255.2448% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.9296% | 1,990 |
| Noncurrent loans to loans | 0.7548% | 2,601 |
| Net loans and leases to total assets | 83.0436% | 455 |
| Net loans and leases to deposits | 96.8719% | 860 |
| Net loans and leases to core deposits | 101.8695% | 1,378 |
| Total domestic deposits to total assets | 85.7251% | 2,786 |
| Equity capital to assets | 12.5006% | 1,531 |
| Core capital (leverage) ratio | 12.5207% | 1,333 |
| Tier 1 risk-based capital ratio | 19.9316% | 1,412 |
| Total risk-based capital ratio | 21.1929% | 1,376 |
| Memoranda: | ||
| Average total assets | $22,563,000 | 5,759 |
| Average earning assets | $20,497,000 | 5,740 |
| Average equity | $2,705,000 | 5,724 |
| Average total loans | $18,796,000 | 5,503 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4655% | 261 |
| Cost of funding earning assets | 0.5308% | 1,864 |
| Net interest margin | 4.9347% | 280 |
| Noninterest income to average assets | 0.2866% | 4,694 |
| Noninterest expense to average assets | 3.0053% | 2,335 |
| Loan and lease loss provision to assets | 0.3040% | 618 |
| Net operating income to assets | 0.9858% | 2,410 |
| Return on assets (ROA) | 0.9858% | 2,513 |
| Pretax return on assets | 1.4592% | 1,717 |
| Return on Equity (ROE) | 8.7652% | 2,531 |
| Retained earnings to average equity (ytd only) | 5.6761% | 1,899 |
| Net charge-offs to loans | 0.0692% | 2,709 |
| Credit loss provision to net charge-offs | 538.4615% | 621 |
| Earnings coverage of net charge-offs (x) | 31.2308% | 1,395 |
| Efficiency ratio | 63.0237% | 4,103 |
| Assets per employee ($millions) | 3.7918% | 4,323 |
| Cash dividends to net income (ytd only)* | 35.2423% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9575% | 717 |
| Loan loss allowance to noncurrent loans | 960.5263% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 3,450 |
| Noncurrent loans to loans | 0.2038% | 4,428 |
| Net loans and leases to total assets | 80.3525% | 843 |
| Net loans and leases to deposits | 92.6465% | 1,349 |
| Net loans and leases to core deposits | 97.2704% | 1,818 |
| Total domestic deposits to total assets | 86.7303% | 2,273 |
| Equity capital to assets | 11.4852% | 2,184 |
| Core capital (leverage) ratio | 11.2605% | 2,117 |
| Tier 1 risk-based capital ratio | 17.7465% | 1,925 |
| Total risk-based capital ratio | 19.0098% | 1,877 |
| Memoranda: | ||
| Average total assets | $23,026,000 | 5,803 |
| Average earning assets | $20,913,000 | 5,790 |
| Average equity | $2,589,800 | 5,794 |
| Average total loans | $18,797,000 | 5,550 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3768% | 312 |
| Cost of funding earning assets | 0.5078% | 2,039 |
| Net interest margin | 4.8690% | 323 |
| Noninterest income to average assets | 0.3522% | 4,269 |
| Noninterest expense to average assets | 2.8462% | 2,839 |
| Loan and lease loss provision to assets | 0.2598% | 704 |
| Net operating income to assets | 1.2701% | 1,385 |
| Return on assets (ROA) | 1.2701% | 1,482 |
| Pretax return on assets | 1.6742% | 1,187 |
| Return on Equity (ROE) | 11.3518% | 1,539 |
| Retained earnings to average equity (ytd only) | 11.3518% | 379 |
| Net charge-offs to loans | 0.0779% | 2,207 |
| Credit loss provision to net charge-offs | 409.0909% | 825 |
| Earnings coverage of net charge-offs (x) | 30.4472% | 1,475 |
| Efficiency ratio | 59.5411% | 4,608 |
| Assets per employee ($millions) | 3.9160% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7458% | 1,113 |
| Loan loss allowance to noncurrent loans | 380.0000% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 2,926 |
| Noncurrent loans to loans | 0.4594% | 3,637 |
| Net loans and leases to total assets | 81.9203% | 633 |
| Net loans and leases to deposits | 98.9564% | 782 |
| Net loans and leases to core deposits | 103.9590% | 1,343 |
| Total domestic deposits to total assets | 82.7843% | 3,672 |
| Equity capital to assets | 11.4317% | 2,571 |
| Core capital (leverage) ratio | 11.8729% | 1,771 |
| Tier 1 risk-based capital ratio | 17.7142% | 1,998 |
| Total risk-based capital ratio | 18.9738% | 1,954 |
| Memoranda: | ||
| Average total assets | $23,094,750 | 5,861 |
| Average earning assets | $21,003,250 | 5,848 |
| Average equity | $2,584,000 | 5,858 |
| Average total loans | $18,834,750 | 5,605 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3113% | 351 |
| Cost of funding earning assets | 0.5072% | 2,045 |
| Net interest margin | 4.8041% | 366 |
| Noninterest income to average assets | 0.4094% | 3,808 |
| Noninterest expense to average assets | 2.8222% | 2,954 |
| Loan and lease loss provision to assets | 0.1742% | 1,270 |
| Net operating income to assets | 1.4024% | 1,054 |
| Return on assets (ROA) | 1.4024% | 1,114 |
| Pretax return on assets | 1.7856% | 911 |
| Return on Equity (ROE) | 12.6275% | 1,128 |
| Retained earnings to average equity (ytd only) | 12.6275% | 258 |
| Net charge-offs to loans | 0.0323% | 2,811 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 733 |
| Efficiency ratio | 59.0164% | 4,767 |
| Assets per employee ($millions) | 3.7138% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7424% | 1,188 |
| Loan loss allowance to noncurrent loans | 277.7778% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 2,548 |
| Noncurrent loans to loans | 0.6273% | 3,196 |
| Net loans and leases to total assets | 82.2466% | 600 |
| Net loans and leases to deposits | 94.9438% | 1,195 |
| Net loans and leases to core deposits | 99.7659% | 1,647 |
| Total domestic deposits to total assets | 86.6266% | 2,096 |
| Equity capital to assets | 11.7893% | 2,276 |
| Core capital (leverage) ratio | 11.6054% | 1,905 |
| Tier 1 risk-based capital ratio | 18.1598% | 1,885 |
| Total risk-based capital ratio | 19.4179% | 1,851 |
| Memoranda: | ||
| Average total assets | $22,961,000 | 5,937 |
| Average earning assets | $20,899,000 | 5,923 |
| Average equity | $2,550,000 | 5,931 |
| Average total loans | $18,583,000 | 5,679 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3337% | 334 |
| Cost of funding earning assets | 0.4728% | 2,343 |
| Net interest margin | 4.8609% | 328 |
| Noninterest income to average assets | 0.3605% | 4,148 |
| Noninterest expense to average assets | 2.8670% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5622% | 765 |
| Return on assets (ROA) | 1.5622% | 797 |
| Pretax return on assets | 1.9056% | 683 |
| Return on Equity (ROE) | 14.4933% | 748 |
| Retained earnings to average equity (ytd only) | 14.4933% | 283 |
| Net charge-offs to loans | 0.0647% | 1,850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,062 |
| Efficiency ratio | 60.0719% | 4,734 |
| Assets per employee ($millions) | 3.8413% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6270% | 1,535 |
| Loan loss allowance to noncurrent loans | 170.3911% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 1.0587% | 2,093 |
| Noncurrent loans to loans | 0.9549% | 2,469 |
| Net loans and leases to total assets | 80.0113% | 806 |
| Net loans and leases to deposits | 91.4324% | 1,414 |
| Net loans and leases to core deposits | 94.6226% | 1,930 |
| Total domestic deposits to total assets | 87.5087% | 1,917 |
| Equity capital to assets | 11.0942% | 2,831 |
| Core capital (leverage) ratio | 11.2312% | 2,204 |
| Tier 1 risk-based capital ratio | 18.5102% | 1,852 |
| Total risk-based capital ratio | 19.7698% | 1,805 |
| Memoranda: | ||
| Average total assets | $23,300,000 | 5,995 |
| Average earning assets | $21,148,500 | 5,983 |
| Average equity | $2,511,500 | 5,991 |
| Average total loans | $18,548,500 | 5,732 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1310% | 487 |
| Cost of funding earning assets | 0.4920% | 2,234 |
| Net interest margin | 4.6390% | 506 |
| Noninterest income to average assets | 0.5126% | 3,241 |
| Noninterest expense to average assets | 3.0117% | 2,503 |
| Loan and lease loss provision to assets | 0.2136% | 976 |
| Net operating income to assets | 0.8757% | 2,996 |
| Return on assets (ROA) | 0.8757% | 3,076 |
| Pretax return on assets | 1.5165% | 1,505 |
| Return on Equity (ROE) | 8.3449% | 2,781 |
| Retained earnings to average equity (ytd only) | 5.0883% | 2,357 |
| Net charge-offs to loans | 0.3258% | 918 |
| Credit loss provision to net charge-offs | 86.2069% | 2,827 |
| Earnings coverage of net charge-offs (x) | 6.9828% | 3,138 |
| Efficiency ratio | 63.5135% | 4,366 |
| Assets per employee ($millions) | 3.9253% | 4,075 |
| Cash dividends to net income (ytd only)* | 39.0244% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6784% | 1,398 |
| Loan loss allowance to noncurrent loans | 338.4615% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 3,057 |
| Noncurrent loans to loans | 0.4959% | 3,707 |
| Net loans and leases to total assets | 76.6092% | 1,321 |
| Net loans and leases to deposits | 87.4897% | 1,934 |
| Net loans and leases to core deposits | 89.1276% | 2,488 |
| Total domestic deposits to total assets | 87.5637% | 1,860 |
| Equity capital to assets | 10.4704% | 3,393 |
| Core capital (leverage) ratio | 10.6371% | 2,787 |
| Tier 1 risk-based capital ratio | 17.5529% | 2,108 |
| Total risk-based capital ratio | 18.8127% | 2,058 |
| Memoranda: | ||
| Average total assets | $23,408,800 | 6,049 |
| Average earning assets | $21,340,800 | 6,039 |
| Average equity | $2,456,600 | 6,056 |
| Average total loans | $17,804,200 | 5,798 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1080% | 510 |
| Cost of funding earning assets | 0.4945% | 2,269 |
| Net interest margin | 4.6134% | 528 |
| Noninterest income to average assets | 0.5590% | 2,992 |
| Noninterest expense to average assets | 2.8921% | 2,873 |
| Loan and lease loss provision to assets | 0.1141% | 1,979 |
| Net operating income to assets | 1.2664% | 1,431 |
| Return on assets (ROA) | 1.2664% | 1,490 |
| Pretax return on assets | 1.7569% | 979 |
| Return on Equity (ROE) | 12.0603% | 1,355 |
| Retained earnings to average equity (ytd only) | 12.0603% | 360 |
| Net charge-offs to loans | 0.0754% | 2,485 |
| Credit loss provision to net charge-offs | 200.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 32.8072% | 1,410 |
| Efficiency ratio | 60.7186% | 4,786 |
| Assets per employee ($millions) | 3.7497% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 1,375 |
| Loan loss allowance to noncurrent loans | 346.8085% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.7067% | 3,141 |
| Noncurrent loans to loans | 0.5029% | 3,844 |
| Net loans and leases to total assets | 81.6384% | 621 |
| Net loans and leases to deposits | 94.0451% | 1,198 |
| Net loans and leases to core deposits | 95.9012% | 1,894 |
| Total domestic deposits to total assets | 86.8077% | 2,136 |
| Equity capital to assets | 11.3921% | 2,595 |
| Core capital (leverage) ratio | 11.1639% | 2,337 |
| Tier 1 risk-based capital ratio | 18.0404% | 2,013 |
| Total risk-based capital ratio | 19.3003% | 1,978 |
| Memoranda: | ||
| Average total assets | $23,373,000 | 6,137 |
| Average earning assets | $21,299,500 | 6,121 |
| Average equity | $2,454,250 | 6,139 |
| Average total loans | $17,667,500 | 5,873 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0250% | 569 |
| Cost of funding earning assets | 0.4450% | 2,783 |
| Net interest margin | 4.5800% | 547 |
| Noninterest income to average assets | 0.5662% | 2,935 |
| Noninterest expense to average assets | 2.7045% | 3,580 |
| Loan and lease loss provision to assets | 0.1690% | 1,237 |
| Net operating income to assets | 1.3269% | 1,249 |
| Return on assets (ROA) | 1.3269% | 1,296 |
| Pretax return on assets | 1.8678% | 790 |
| Return on Equity (ROE) | 12.9859% | 1,118 |
| Retained earnings to average equity (ytd only) | 12.9859% | 309 |
| Net charge-offs to loans | 0.1154% | 1,847 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 24.1000% | 1,579 |
| Efficiency ratio | 57.0410% | 5,336 |
| Assets per employee ($millions) | 3.8652% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8302% | 1,313 |
| Loan loss allowance to noncurrent loans | 346.8085% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8926% | 2,757 |
| Noncurrent loans to loans | 0.5277% | 3,875 |
| Net loans and leases to total assets | 75.3999% | 1,456 |
| Net loans and leases to deposits | 86.0998% | 2,042 |
| Net loans and leases to core deposits | 87.7283% | 2,577 |
| Total domestic deposits to total assets | 87.5728% | 1,864 |
| Equity capital to assets | 10.7714% | 3,143 |
| Core capital (leverage) ratio | 10.5392% | 2,905 |
| Tier 1 risk-based capital ratio | 18.0478% | 2,051 |
| Total risk-based capital ratio | 19.3050% | 2,005 |
| Memoranda: | ||
| Average total assets | $23,664,670 | 6,206 |
| Average earning assets | $21,572,000 | 6,188 |
| Average equity | $2,418,000 | 6,214 |
| Average total loans | $17,325,670 | 5,946 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3412% | 329 |
| Cost of funding earning assets | 0.4772% | 2,482 |
| Net interest margin | 4.8639% | 311 |
| Noninterest income to average assets | 0.6192% | 2,549 |
| Noninterest expense to average assets | 2.6442% | 3,769 |
| Loan and lease loss provision to assets | 0.3347% | 403 |
| Net operating income to assets | 1.2384% | 1,436 |
| Return on assets (ROA) | 1.2384% | 1,521 |
| Pretax return on assets | 2.0752% | 511 |
| Return on Equity (ROE) | 12.4474% | 1,231 |
| Retained earnings to average equity (ytd only) | 12.4474% | 511 |
| Net charge-offs to loans | 0.2107% | 1,101 |
| Credit loss provision to net charge-offs | 222.2222% | 980 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,595 |
| Efficiency ratio | 52.3179% | 5,789 |
| Assets per employee ($millions) | 3.9493% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9968% | 1,087 |
| Loan loss allowance to noncurrent loans | 244.0299% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.8398% | 2,982 |
| Noncurrent loans to loans | 0.8183% | 3,203 |
| Net loans and leases to total assets | 67.7287% | 2,494 |
| Net loans and leases to deposits | 76.7197% | 2,967 |
| Net loans and leases to core deposits | 78.1277% | 3,366 |
| Total domestic deposits to total assets | 88.2807% | 1,673 |
| Equity capital to assets | 10.1916% | 3,889 |
| Core capital (leverage) ratio | 10.1381% | 3,417 |
| Tier 1 risk-based capital ratio | 18.9650% | 1,881 |
| Total risk-based capital ratio | 20.2293% | 1,835 |
| Memoranda: | ||
| Average total assets | $23,901,500 | 6,268 |
| Average earning assets | $21,793,000 | 6,252 |
| Average equity | $2,378,000 | 6,279 |
| Average total loans | $17,082,500 | 6,012 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1855% | 533 |
| Cost of funding earning assets | 0.5190% | 2,499 |
| Net interest margin | 4.6665% | 553 |
| Noninterest income to average assets | 0.6614% | 2,496 |
| Noninterest expense to average assets | 2.9032% | 3,142 |
| Loan and lease loss provision to assets | 0.6227% | 218 |
| Net operating income to assets | 0.7516% | 3,627 |
| Return on assets (ROA) | 0.7516% | 3,723 |
| Pretax return on assets | 1.3829% | 1,943 |
| Return on Equity (ROE) | 7.4184% | 3,410 |
| Retained earnings to average equity (ytd only) | 4.0271% | 3,344 |
| Net charge-offs to loans | 0.7225% | 505 |
| Credit loss provision to net charge-offs | 109.8485% | 2,172 |
| Earnings coverage of net charge-offs (x) | 3.5379% | 3,869 |
| Efficiency ratio | 59.1426% | 5,330 |
| Assets per employee ($millions) | 4.0178% | 3,919 |
| Cash dividends to net income (ytd only)* | 45.7143% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7764% | 1,582 |
| Loan loss allowance to noncurrent loans | 172.6776% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 1.0495% | 2,645 |
| Noncurrent loans to loans | 1.0287% | 2,770 |
| Net loans and leases to total assets | 72.4810% | 1,835 |
| Net loans and leases to deposits | 81.7068% | 2,511 |
| Net loans and leases to core deposits | 83.1691% | 2,977 |
| Total domestic deposits to total assets | 88.7087% | 1,410 |
| Equity capital to assets | 9.7109% | 4,454 |
| Core capital (leverage) ratio | 10.0086% | 3,563 |
| Tier 1 risk-based capital ratio | 17.5146% | 2,312 |
| Total risk-based capital ratio | 18.7640% | 2,280 |
| Memoranda: | ||
| Average total assets | $23,284,600 | 6,369 |
| Average earning assets | $21,193,600 | 6,347 |
| Average equity | $2,359,000 | 6,366 |
| Average total loans | $18,269,800 | 6,032 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2177% | 502 |
| Cost of funding earning assets | 0.5268% | 2,497 |
| Net interest margin | 4.6909% | 512 |
| Noninterest income to average assets | 0.6528% | 2,562 |
| Noninterest expense to average assets | 2.6863% | 3,868 |
| Loan and lease loss provision to assets | 0.4333% | 366 |
| Net operating income to assets | 1.2998% | 1,372 |
| Return on assets (ROA) | 1.2998% | 1,428 |
| Pretax return on assets | 1.8025% | 891 |
| Return on Equity (ROE) | 12.6926% | 1,302 |
| Retained earnings to average equity (ytd only) | 12.6926% | 360 |
| Net charge-offs to loans | 0.2755% | 1,425 |
| Credit loss provision to net charge-offs | 197.3684% | 1,280 |
| Earnings coverage of net charge-offs (x) | 10.1833% | 2,575 |
| Efficiency ratio | 54.5775% | 5,770 |
| Assets per employee ($millions) | 4.4918% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8282% | 1,636 |
| Loan loss allowance to noncurrent loans | 124.5421% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.7632% | 1,693 |
| Noncurrent loans to loans | 1.4679% | 2,212 |
| Net loans and leases to total assets | 81.2948% | 577 |
| Net loans and leases to deposits | 92.8546% | 1,148 |
| Net loans and leases to core deposits | 94.6599% | 1,788 |
| Total domestic deposits to total assets | 87.5506% | 2,010 |
| Equity capital to assets | 11.0067% | 2,951 |
| Core capital (leverage) ratio | 10.7553% | 2,754 |
| Tier 1 risk-based capital ratio | 18.3778% | 2,094 |
| Total risk-based capital ratio | 19.6417% | 2,055 |
| Memoranda: | ||
| Average total assets | $23,079,000 | 6,446 |
| Average earning assets | $21,004,750 | 6,428 |
| Average equity | $2,363,500 | 6,439 |
| Average total loans | $18,390,000 | 6,093 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1092% | 609 |
| Cost of funding earning assets | 0.5081% | 2,752 |
| Net interest margin | 4.6011% | 582 |
| Noninterest income to average assets | 0.5497% | 3,125 |
| Noninterest expense to average assets | 2.6798% | 3,945 |
| Loan and lease loss provision to assets | 0.3006% | 657 |
| Net operating income to assets | 1.3656% | 1,149 |
| Return on assets (ROA) | 1.3656% | 1,187 |
| Pretax return on assets | 1.7693% | 899 |
| Return on Equity (ROE) | 13.6637% | 1,020 |
| Retained earnings to average equity (ytd only) | 13.6637% | 282 |
| Net charge-offs to loans | 0.1201% | 2,470 |
| Credit loss provision to net charge-offs | 318.1818% | 816 |
| Earnings coverage of net charge-offs (x) | 21.9091% | 1,527 |
| Efficiency ratio | 56.4195% | 5,701 |
| Assets per employee ($millions) | 3.7995% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7182% | 2,078 |
| Loan loss allowance to noncurrent loans | 86.9681% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 2.1670% | 1,420 |
| Noncurrent loans to loans | 1.9757% | 1,713 |
| Net loans and leases to total assets | 82.0459% | 464 |
| Net loans and leases to deposits | 93.0177% | 1,049 |
| Net loans and leases to core deposits | 96.0016% | 1,600 |
| Total domestic deposits to total assets | 88.2046% | 1,788 |
| Equity capital to assets | 10.5496% | 3,380 |
| Core capital (leverage) ratio | 10.4302% | 3,043 |
| Tier 1 risk-based capital ratio | 17.5036% | 2,410 |
| Total risk-based capital ratio | 18.7700% | 2,382 |
| Memoranda: | ||
| Average total assets | $23,285,670 | 6,509 |
| Average earning assets | $21,255,670 | 6,490 |
| Average equity | $2,327,330 | 6,503 |
| Average total loans | $18,320,670 | 6,146 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8907% | 886 |
| Cost of funding earning assets | 0.5040% | 2,862 |
| Net interest margin | 4.3867% | 825 |
| Noninterest income to average assets | 0.5950% | 2,765 |
| Noninterest expense to average assets | 2.6859% | 3,981 |
| Loan and lease loss provision to assets | 0.1700% | 1,418 |
| Net operating income to assets | 1.4450% | 907 |
| Return on assets (ROA) | 1.4450% | 939 |
| Pretax return on assets | 1.7340% | 908 |
| Return on Equity (ROE) | 14.8569% | 803 |
| Retained earnings to average equity (ytd only) | 14.8569% | 336 |
| Net charge-offs to loans | 0.2449% | 1,342 |
| Credit loss provision to net charge-offs | 90.9091% | 1,792 |
| Earnings coverage of net charge-offs (x) | 10.1818% | 1,881 |
| Efficiency ratio | 58.5185% | 5,598 |
| Assets per employee ($millions) | 3.3211% | 5,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 2,358 |
| Loan loss allowance to noncurrent loans | 64.5299% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 2.2927% | 1,432 |
| Noncurrent loans to loans | 2.6334% | 1,300 |
| Net loans and leases to total assets | 75.1462% | 1,106 |
| Net loans and leases to deposits | 84.5104% | 1,771 |
| Net loans and leases to core deposits | 86.0676% | 2,312 |
| Total domestic deposits to total assets | 88.9195% | 1,711 |
| Equity capital to assets | 10.0267% | 3,812 |
| Core capital (leverage) ratio | 9.9522% | 3,632 |
| Tier 1 risk-based capital ratio | 17.4738% | 2,483 |
| Total risk-based capital ratio | 18.7331% | 2,452 |
| Memoranda: | ||
| Average total assets | $23,530,000 | 6,576 |
| Average earning assets | $21,428,500 | 6,554 |
| Average equity | $2,288,500 | 6,569 |
| Average total loans | $17,965,500 | 6,219 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1860% | 659 |
| Cost of funding earning assets | 0.5368% | 3,225 |
| Net interest margin | 4.6492% | 551 |
| Noninterest income to average assets | 0.5742% | 3,252 |
| Noninterest expense to average assets | 3.1952% | 2,437 |
| Loan and lease loss provision to assets | 0.2104% | 1,755 |
| Net operating income to assets | 0.9029% | 2,765 |
| Return on assets (ROA) | 0.9029% | 2,846 |
| Pretax return on assets | 1.4201% | 1,717 |
| Return on Equity (ROE) | 9.3534% | 2,392 |
| Retained earnings to average equity (ytd only) | 5.7210% | 2,147 |
| Net charge-offs to loans | 0.2138% | 2,748 |
| Credit loss provision to net charge-offs | 126.3158% | 1,868 |
| Earnings coverage of net charge-offs (x) | 9.7895% | 2,459 |
| Efficiency ratio | 66.2125% | 4,518 |
| Assets per employee ($millions) | 3.4017% | 5,085 |
| Cash dividends to net income (ytd only)* | 38.8350% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6686% | 2,503 |
| Loan loss allowance to noncurrent loans | 57.8244% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 2.4987% | 1,372 |
| Noncurrent loans to loans | 2.8856% | 1,214 |
| Net loans and leases to total assets | 74.9874% | 1,226 |
| Net loans and leases to deposits | 83.9492% | 1,952 |
| Net loans and leases to core deposits | 85.4477% | 2,516 |
| Total domestic deposits to total assets | 89.3247% | 1,421 |
| Equity capital to assets | 9.4322% | 4,513 |
| Core capital (leverage) ratio | 9.4756% | 4,306 |
| Tier 1 risk-based capital ratio | 16.0303% | 3,083 |
| Total risk-based capital ratio | 17.2793% | 3,038 |
| Memoranda: | ||
| Average total assets | $22,815,600 | 6,662 |
| Average earning assets | $20,864,000 | 6,641 |
| Average equity | $2,202,400 | 6,660 |
| Average total loans | $17,771,800 | 6,293 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1285% | 738 |
| Cost of funding earning assets | 0.5476% | 3,285 |
| Net interest margin | 4.5808% | 641 |
| Noninterest income to average assets | 0.5849% | 3,247 |
| Noninterest expense to average assets | 3.0487% | 2,822 |
| Loan and lease loss provision to assets | 0.2836% | 1,220 |
| Net operating income to assets | 0.9335% | 2,672 |
| Return on assets (ROA) | 0.9335% | 2,782 |
| Pretax return on assets | 1.4534% | 1,752 |
| Return on Equity (ROE) | 9.6126% | 2,348 |
| Retained earnings to average equity (ytd only) | 9.6126% | 882 |
| Net charge-offs to loans | 0.2867% | 2,103 |
| Credit loss provision to net charge-offs | 126.3158% | 1,863 |
| Earnings coverage of net charge-offs (x) | 7.7361% | 2,742 |
| Efficiency ratio | 63.7037% | 4,852 |
| Assets per employee ($millions) | 3.2716% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 3,012 |
| Loan loss allowance to noncurrent loans | 71.9715% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 2.2139% | 1,799 |
| Noncurrent loans to loans | 2.2184% | 1,997 |
| Net loans and leases to total assets | 81.5467% | 405 |
| Net loans and leases to deposits | 91.7060% | 1,002 |
| Net loans and leases to core deposits | 93.4124% | 1,633 |
| Total domestic deposits to total assets | 88.9219% | 1,603 |
| Equity capital to assets | 9.9472% | 3,974 |
| Core capital (leverage) ratio | 10.1024% | 3,517 |
| Tier 1 risk-based capital ratio | 16.1172% | 3,123 |
| Total risk-based capital ratio | 17.3765% | 3,083 |
| Memoranda: | ||
| Average total assets | $22,566,500 | 6,740 |
| Average earning assets | $20,694,500 | 6,715 |
| Average equity | $2,191,500 | 6,741 |
| Average total loans | $17,675,000 | 6,360 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9620% | 974 |
| Cost of funding earning assets | 0.5610% | 3,297 |
| Net interest margin | 4.4010% | 844 |
| Noninterest income to average assets | 0.5878% | 3,269 |
| Noninterest expense to average assets | 3.0461% | 2,855 |
| Loan and lease loss provision to assets | 0.2672% | 1,386 |
| Net operating income to assets | 0.8105% | 3,234 |
| Return on assets (ROA) | 0.8105% | 3,390 |
| Pretax return on assets | 1.3271% | 2,205 |
| Return on Equity (ROE) | 8.4155% | 2,893 |
| Retained earnings to average equity (ytd only) | 8.4155% | 1,327 |
| Net charge-offs to loans | 0.3016% | 1,982 |
| Credit loss provision to net charge-offs | 115.3846% | 1,917 |
| Earnings coverage of net charge-offs (x) | 6.8846% | 2,634 |
| Efficiency ratio | 65.6430% | 4,611 |
| Assets per employee ($millions) | 3.6210% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7144% | 2,724 |
| Loan loss allowance to noncurrent loans | 70.2128% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 2.2738% | 1,906 |
| Noncurrent loans to loans | 2.4417% | 1,919 |
| Net loans and leases to total assets | 78.3715% | 706 |
| Net loans and leases to deposits | 88.3693% | 1,298 |
| Net loans and leases to core deposits | 90.1090% | 1,896 |
| Total domestic deposits to total assets | 88.6864% | 1,786 |
| Equity capital to assets | 10.1767% | 3,692 |
| Core capital (leverage) ratio | 10.0779% | 3,406 |
| Tier 1 risk-based capital ratio | 16.7082% | 2,835 |
| Total risk-based capital ratio | 17.9702% | 2,800 |
| Memoranda: | ||
| Average total assets | $22,455,000 | 6,793 |
| Average earning assets | $20,677,330 | 6,767 |
| Average equity | $2,162,670 | 6,795 |
| Average total loans | $17,240,670 | 6,417 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 1,115 |
| Cost of funding earning assets | 0.5874% | 3,237 |
| Net interest margin | 4.3010% | 970 |
| Noninterest income to average assets | 0.4382% | 4,192 |
| Noninterest expense to average assets | 2.9273% | 3,245 |
| Loan and lease loss provision to assets | 0.3506% | 927 |
| Net operating income to assets | 0.6486% | 3,970 |
| Return on assets (ROA) | 0.6486% | 4,128 |
| Pretax return on assets | 1.1394% | 2,817 |
| Return on Equity (ROE) | 6.9207% | 3,530 |
| Retained earnings to average equity (ytd only) | 6.9207% | 2,188 |
| Net charge-offs to loans | 0.4419% | 1,346 |
| Credit loss provision to net charge-offs | 105.2632% | 1,751 |
| Earnings coverage of net charge-offs (x) | 4.4737% | 2,546 |
| Efficiency ratio | 66.2698% | 4,619 |
| Assets per employee ($millions) | 3.1979% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7491% | 2,810 |
| Loan loss allowance to noncurrent loans | 56.7568% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 2.3409% | 1,984 |
| Noncurrent loans to loans | 3.0817% | 1,623 |
| Net loans and leases to total assets | 73.7771% | 1,108 |
| Net loans and leases to deposits | 82.4801% | 1,767 |
| Net loans and leases to core deposits | 84.0372% | 2,315 |
| Total domestic deposits to total assets | 89.4483% | 1,386 |
| Equity capital to assets | 9.6359% | 4,659 |
| Core capital (leverage) ratio | 9.2814% | 4,431 |
| Tier 1 risk-based capital ratio | 16.4770% | 3,016 |
| Total risk-based capital ratio | 17.7374% | 2,965 |
| Memoranda: | ||
| Average total assets | $22,819,500 | 6,859 |
| Average earning assets | $21,111,500 | 6,826 |
| Average equity | $2,138,500 | 6,864 |
| Average total loans | $17,199,000 | 6,476 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0331% | 1,475 |
| Cost of funding earning assets | 0.7852% | 2,780 |
| Net interest margin | 4.2479% | 1,524 |
| Noninterest income to average assets | 0.5062% | 3,857 |
| Noninterest expense to average assets | 3.0282% | 3,171 |
| Loan and lease loss provision to assets | 0.2464% | 2,683 |
| Net operating income to assets | 0.7033% | 3,720 |
| Return on assets (ROA) | 0.7033% | 3,976 |
| Pretax return on assets | 1.1333% | 3,041 |
| Return on Equity (ROE) | 7.6885% | 3,242 |
| Retained earnings to average equity (ytd only) | 7.6885% | 1,243 |
| Net charge-offs to loans | 0.2928% | 3,183 |
| Credit loss provision to net charge-offs | 117.0213% | 2,466 |
| Earnings coverage of net charge-offs (x) | 6.5532% | 2,790 |
| Efficiency ratio | 68.6992% | 4,018 |
| Assets per employee ($millions) | 3.8757% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 3,061 |
| Loan loss allowance to noncurrent loans | 43.5364% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 2.9199% | 1,629 |
| Noncurrent loans to loans | 3.8263% | 1,265 |
| Net loans and leases to total assets | 74.3786% | 1,142 |
| Net loans and leases to deposits | 82.9067% | 1,890 |
| Net loans and leases to core deposits | 85.4461% | 2,383 |
| Total domestic deposits to total assets | 89.7136% | 1,118 |
| Equity capital to assets | 9.1167% | 5,383 |
| Core capital (leverage) ratio | 9.1387% | 4,677 |
| Tier 1 risk-based capital ratio | 15.6365% | 3,358 |
| Total risk-based capital ratio | 16.8978% | 3,307 |
| Memoranda: | ||
| Average total assets | $22,323,600 | 6,924 |
| Average earning assets | $20,504,400 | 6,892 |
| Average equity | $2,042,000 | 6,945 |
| Average total loans | $16,054,400 | 6,598 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9756% | 1,757 |
| Cost of funding earning assets | 0.7953% | 2,989 |
| Net interest margin | 4.1803% | 1,798 |
| Noninterest income to average assets | 0.5251% | 3,773 |
| Noninterest expense to average assets | 2.9393% | 3,449 |
| Loan and lease loss provision to assets | 0.2113% | 2,955 |
| Net operating income to assets | 0.7786% | 3,555 |
| Return on assets (ROA) | 0.7786% | 3,804 |
| Pretax return on assets | 1.2132% | 2,945 |
| Return on Equity (ROE) | 8.5043% | 3,045 |
| Retained earnings to average equity (ytd only) | 8.5043% | 1,408 |
| Net charge-offs to loans | 0.1957% | 3,556 |
| Credit loss provision to net charge-offs | 152.1739% | 1,847 |
| Earnings coverage of net charge-offs (x) | 10.2595% | 2,204 |
| Efficiency ratio | 67.3582% | 4,203 |
| Assets per employee ($millions) | 4.5240% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7393% | 3,000 |
| Loan loss allowance to noncurrent loans | 57.3359% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.3165% | 2,294 |
| Noncurrent loans to loans | 3.0335% | 1,836 |
| Net loans and leases to total assets | 74.1777% | 1,223 |
| Net loans and leases to deposits | 82.7081% | 2,025 |
| Net loans and leases to core deposits | 85.3112% | 2,545 |
| Total domestic deposits to total assets | 89.6861% | 1,021 |
| Equity capital to assets | 9.2485% | 5,536 |
| Core capital (leverage) ratio | 9.4044% | 4,426 |
| Tier 1 risk-based capital ratio | 15.1080% | 3,766 |
| Total risk-based capital ratio | 16.3718% | 3,715 |
| Memoranda: | ||
| Average total assets | $22,091,000 | 7,017 |
| Average earning assets | $20,285,000 | 6,988 |
| Average equity | $2,022,500 | 7,037 |
| Average total loans | $15,670,750 | 6,707 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 2,148 |
| Cost of funding earning assets | 0.7936% | 3,243 |
| Net interest margin | 4.0968% | 2,105 |
| Noninterest income to average assets | 0.4746% | 4,099 |
| Noninterest expense to average assets | 2.9569% | 3,416 |
| Loan and lease loss provision to assets | 0.2282% | 2,796 |
| Net operating income to assets | 0.6206% | 4,277 |
| Return on assets (ROA) | 0.6206% | 4,527 |
| Pretax return on assets | 1.0587% | 3,468 |
| Return on Equity (ROE) | 6.8023% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.8023% | 2,214 |
| Net charge-offs to loans | 0.2236% | 3,235 |
| Credit loss provision to net charge-offs | 147.0588% | 1,881 |
| Earnings coverage of net charge-offs (x) | 8.2941% | 2,320 |
| Efficiency ratio | 69.6774% | 3,818 |
| Assets per employee ($millions) | 3.6688% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8307% | 2,755 |
| Loan loss allowance to noncurrent loans | 63.8344% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 2.1124% | 2,649 |
| Noncurrent loans to loans | 2.8679% | 2,091 |
| Net loans and leases to total assets | 71.3760% | 1,662 |
| Net loans and leases to deposits | 79.5504% | 2,447 |
| Net loans and leases to core deposits | 82.1199% | 2,945 |
| Total domestic deposits to total assets | 89.7243% | 1,094 |
| Equity capital to assets | 9.2264% | 5,436 |
| Core capital (leverage) ratio | 9.3037% | 4,447 |
| Tier 1 risk-based capital ratio | 15.2066% | 3,628 |
| Total risk-based capital ratio | 16.4720% | 3,582 |
| Memoranda: | ||
| Average total assets | $21,914,670 | 7,079 |
| Average earning assets | $20,162,000 | 7,047 |
| Average equity | $1,999,330 | 7,090 |
| Average total loans | $15,202,330 | 6,788 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8830% | 2,307 |
| Cost of funding earning assets | 0.8172% | 3,332 |
| Net interest margin | 4.0659% | 2,231 |
| Noninterest income to average assets | 0.4573% | 4,249 |
| Noninterest expense to average assets | 2.7989% | 4,030 |
| Loan and lease loss provision to assets | 0.2744% | 2,270 |
| Net operating income to assets | 0.7500% | 3,622 |
| Return on assets (ROA) | 0.7500% | 3,861 |
| Pretax return on assets | 1.1159% | 3,259 |
| Return on Equity (ROE) | 8.2682% | 3,161 |
| Retained earnings to average equity (ytd only) | 8.2682% | 1,876 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8122% | 4,397 |
| Assets per employee ($millions) | 3.6508% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0101% | 2,326 |
| Loan loss allowance to noncurrent loans | 49.6689% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 3.2687% | 1,765 |
| Noncurrent loans to loans | 4.0469% | 1,504 |
| Net loans and leases to total assets | 66.7656% | 2,335 |
| Net loans and leases to deposits | 74.5185% | 3,041 |
| Net loans and leases to core deposits | 76.9372% | 3,479 |
| Total domestic deposits to total assets | 89.5960% | 1,306 |
| Equity capital to assets | 9.1486% | 5,295 |
| Core capital (leverage) ratio | 9.1195% | 4,654 |
| Tier 1 risk-based capital ratio | 15.8557% | 3,246 |
| Total risk-based capital ratio | 17.1216% | 3,212 |
| Memoranda: | ||
| Average total assets | $21,865,500 | 7,136 |
| Average earning assets | $20,069,500 | 7,113 |
| Average equity | $1,983,500 | 7,150 |
| Average total loans | $14,801,000 | 6,873 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1671% | 2,194 |
| Cost of funding earning assets | 1.0712% | 2,873 |
| Net interest margin | 4.0959% | 2,440 |
| Noninterest income to average assets | 0.5149% | 3,750 |
| Noninterest expense to average assets | 3.0365% | 3,460 |
| Loan and lease loss provision to assets | 0.2166% | 4,024 |
| Net operating income to assets | 0.6930% | 3,521 |
| Return on assets (ROA) | 0.6930% | 3,709 |
| Pretax return on assets | 1.0154% | 3,184 |
| Return on Equity (ROE) | 7.8261% | 2,998 |
| Retained earnings to average equity (ytd only) | 7.8261% | 1,142 |
| Net charge-offs to loans | 0.0706% | 5,606 |
| Credit loss provision to net charge-offs | 450.0000% | 501 |
| Earnings coverage of net charge-offs (x) | 25.6000% | 969 |
| Efficiency ratio | 71.1387% | 3,759 |
| Assets per employee ($millions) | 3.6377% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9418% | 2,443 |
| Loan loss allowance to noncurrent loans | 76.8194% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 2.2130% | 2,721 |
| Noncurrent loans to loans | 2.5278% | 2,604 |
| Net loans and leases to total assets | 65.9397% | 2,800 |
| Net loans and leases to deposits | 73.3724% | 3,606 |
| Net loans and leases to core deposits | 75.7474% | 4,018 |
| Total domestic deposits to total assets | 89.8699% | 1,063 |
| Equity capital to assets | 8.9939% | 5,557 |
| Core capital (leverage) ratio | 9.1120% | 4,596 |
| Tier 1 risk-based capital ratio | 15.9801% | 3,059 |
| Total risk-based capital ratio | 17.2419% | 3,014 |
| Memoranda: | ||
| Average total assets | $20,780,200 | 7,192 |
| Average earning assets | $19,043,400 | 7,161 |
| Average equity | $1,840,000 | 7,234 |
| Average total loans | $14,156,800 | 6,944 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2824% | 1,935 |
| Cost of funding earning assets | 1.1203% | 2,829 |
| Net interest margin | 4.1621% | 2,232 |
| Noninterest income to average assets | 0.4808% | 4,036 |
| Noninterest expense to average assets | 2.8851% | 3,993 |
| Loan and lease loss provision to assets | 0.1624% | 4,437 |
| Net operating income to assets | 0.9422% | 2,561 |
| Return on assets (ROA) | 0.9422% | 2,724 |
| Pretax return on assets | 1.2476% | 2,460 |
| Return on Equity (ROE) | 10.6856% | 1,958 |
| Retained earnings to average equity (ytd only) | 10.6856% | 687 |
| Net charge-offs to loans | 0.0570% | 5,403 |
| Credit loss provision to net charge-offs | 416.6667% | 678 |
| Earnings coverage of net charge-offs (x) | 36.1663% | 825 |
| Efficiency ratio | 67.1710% | 4,488 |
| Assets per employee ($millions) | 3.0153% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8993% | 2,611 |
| Loan loss allowance to noncurrent loans | 61.9816% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 2.6674% | 2,422 |
| Noncurrent loans to loans | 3.0643% | 2,262 |
| Net loans and leases to total assets | 65.8265% | 2,941 |
| Net loans and leases to deposits | 73.4239% | 3,737 |
| Net loans and leases to core deposits | 75.8862% | 4,206 |
| Total domestic deposits to total assets | 89.6527% | 1,066 |
| Equity capital to assets | 9.3050% | 5,373 |
| Core capital (leverage) ratio | 9.3297% | 4,413 |
| Tier 1 risk-based capital ratio | 16.2637% | 2,986 |
| Total risk-based capital ratio | 17.5224% | 2,945 |
| Memoranda: | ||
| Average total assets | $20,518,750 | 7,272 |
| Average earning assets | $18,804,000 | 7,238 |
| Average equity | $1,809,250 | 7,313 |
| Average total loans | $14,026,750 | 7,019 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2802% | 1,948 |
| Cost of funding earning assets | 1.2020% | 2,572 |
| Net interest margin | 4.0782% | 2,499 |
| Noninterest income to average assets | 0.4822% | 4,003 |
| Noninterest expense to average assets | 2.9032% | 4,011 |
| Loan and lease loss provision to assets | 0.1476% | 4,467 |
| Net operating income to assets | 0.8660% | 2,792 |
| Return on assets (ROA) | 0.8660% | 2,881 |
| Pretax return on assets | 1.1711% | 2,592 |
| Return on Equity (ROE) | 10.0133% | 2,108 |
| Retained earnings to average equity (ytd only) | 10.0133% | 837 |
| Net charge-offs to loans | 0.0429% | 5,258 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 44.6667% | 685 |
| Efficiency ratio | 68.7646% | 4,375 |
| Assets per employee ($millions) | 2.5791% | 6,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 2,908 |
| Loan loss allowance to noncurrent loans | 79.6353% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 2.2197% | 2,953 |
| Noncurrent loans to loans | 2.2914% | 3,115 |
| Net loans and leases to total assets | 68.3177% | 2,556 |
| Net loans and leases to deposits | 76.2070% | 3,426 |
| Net loans and leases to core deposits | 78.8146% | 3,959 |
| Total domestic deposits to total assets | 89.6477% | 1,159 |
| Equity capital to assets | 9.2425% | 5,217 |
| Core capital (leverage) ratio | 9.1454% | 4,494 |
| Tier 1 risk-based capital ratio | 16.2769% | 2,846 |
| Total risk-based capital ratio | 17.5401% | 2,809 |
| Memoranda: | ||
| Average total assets | $20,322,670 | 7,342 |
| Average earning assets | $18,635,670 | 7,314 |
| Average equity | $1,757,670 | 7,391 |
| Average total loans | $13,981,330 | 7,088 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1948% | 2,240 |
| Cost of funding earning assets | 1.2771% | 2,323 |
| Net interest margin | 3.9177% | 3,060 |
| Noninterest income to average assets | 0.4363% | 4,399 |
| Noninterest expense to average assets | 2.8759% | 4,164 |
| Loan and lease loss provision to assets | 0.2975% | 2,782 |
| Net operating income to assets | 0.5553% | 4,258 |
| Return on assets (ROA) | 0.5553% | 4,337 |
| Pretax return on assets | 0.8529% | 3,696 |
| Return on Equity (ROE) | 6.6548% | 3,556 |
| Retained earnings to average equity (ytd only) | 6.6548% | 2,301 |
| Net charge-offs to loans | 0.0870% | 4,081 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,145 |
| Efficiency ratio | 71.4286% | 3,971 |
| Assets per employee ($millions) | 2.9974% | 6,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8547% | 2,843 |
| Loan loss allowance to noncurrent loans | 78.6787% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 2.2019% | 3,061 |
| Noncurrent loans to loans | 2.3574% | 3,128 |
| Net loans and leases to total assets | 66.0757% | 2,985 |
| Net loans and leases to deposits | 73.2692% | 3,878 |
| Net loans and leases to core deposits | 75.7099% | 4,339 |
| Total domestic deposits to total assets | 90.1821% | 1,034 |
| Equity capital to assets | 8.8028% | 5,491 |
| Core capital (leverage) ratio | 8.9621% | 4,672 |
| Tier 1 risk-based capital ratio | 15.7138% | 3,050 |
| Total risk-based capital ratio | 16.9729% | 3,003 |
| Memoranda: | ||
| Average total assets | $20,167,500 | 7,400 |
| Average earning assets | $18,480,000 | 7,376 |
| Average equity | $1,683,000 | 7,453 |
| Average total loans | $13,793,000 | 7,151 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9378% | 969 |
| Cost of funding earning assets | 1.6122% | 2,000 |
| Net interest margin | 4.3256% | 1,730 |
| Noninterest income to average assets | 0.5779% | 3,595 |
| Noninterest expense to average assets | 3.0492% | 3,661 |
| Loan and lease loss provision to assets | 0.6880% | 2,390 |
| Net operating income to assets | 0.5449% | 3,909 |
| Return on assets (ROA) | 0.5449% | 4,059 |
| Pretax return on assets | 0.7540% | 3,784 |
| Return on Equity (ROE) | 7.7501% | 2,797 |
| Retained earnings to average equity (ytd only) | 7.7501% | 1,059 |
| Net charge-offs to loans | 0.1465% | 5,478 |
| Credit loss provision to net charge-offs | 657.8947% | 321 |
| Earnings coverage of net charge-offs (x) | 13.7895% | 1,388 |
| Efficiency ratio | 67.8922% | 4,586 |
| Assets per employee ($millions) | 2.7647% | 6,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8574% | 2,671 |
| Loan loss allowance to noncurrent loans | 112.1076% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.8188% | 3,606 |
| Noncurrent loans to loans | 1.6568% | 4,020 |
| Net loans and leases to total assets | 68.2582% | 2,917 |
| Net loans and leases to deposits | 74.9291% | 4,039 |
| Net loans and leases to core deposits | 77.6055% | 4,508 |
| Total domestic deposits to total assets | 91.0970% | 557 |
| Equity capital to assets | 7.8489% | 6,643 |
| Core capital (leverage) ratio | 8.0171% | 6,178 |
| Tier 1 risk-based capital ratio | 14.0831% | 3,821 |
| Total risk-based capital ratio | 15.3440% | 3,777 |
| Memoranda: | ||
| Average total assets | $18,168,600 | 7,507 |
| Average earning assets | $16,437,200 | 7,489 |
| Average equity | $1,277,400 | 7,608 |
| Average total loans | $12,968,000 | 7,255 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8303% | 1,311 |
| Cost of funding earning assets | 1.6682% | 2,015 |
| Net interest margin | 4.1621% | 2,359 |
| Noninterest income to average assets | 0.5819% | 3,569 |
| Noninterest expense to average assets | 2.9840% | 3,804 |
| Loan and lease loss provision to assets | 0.9325% | 1,615 |
| Net operating income to assets | 0.2164% | 5,460 |
| Return on assets (ROA) | 0.2164% | 5,623 |
| Pretax return on assets | 0.4252% | 5,152 |
| Return on Equity (ROE) | 3.1775% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.1775% | 4,202 |
| Net charge-offs to loans | 0.1972% | 4,761 |
| Credit loss provision to net charge-offs | 657.8947% | 448 |
| Earnings coverage of net charge-offs (x) | 9.5799% | 2,004 |
| Efficiency ratio | 68.7285% | 4,328 |
| Assets per employee ($millions) | 2.6053% | 6,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 2,740 |
| Loan loss allowance to noncurrent loans | 113.1222% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 1.9192% | 3,587 |
| Noncurrent loans to loans | 1.6042% | 4,239 |
| Net loans and leases to total assets | 74.1679% | 1,768 |
| Net loans and leases to deposits | 80.6800% | 3,326 |
| Net loans and leases to core deposits | 83.7057% | 3,993 |
| Total domestic deposits to total assets | 91.9285% | 203 |
| Equity capital to assets | 6.9858% | 7,346 |
| Core capital (leverage) ratio | 6.9303% | 7,199 |
| Tier 1 risk-based capital ratio | 11.9077% | 5,547 |
| Total risk-based capital ratio | 13.1695% | 5,510 |
| Memoranda: | ||
| Average total assets | $17,872,500 | 7,608 |
| Average earning assets | $16,145,250 | 7,591 |
| Average equity | $1,217,000 | 7,713 |
| Average total loans | $12,845,000 | 7,354 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7763% | 1,495 |
| Cost of funding earning assets | 1.6842% | 2,200 |
| Net interest margin | 4.0921% | 2,598 |
| Noninterest income to average assets | 0.5633% | 3,602 |
| Noninterest expense to average assets | 2.9857% | 3,757 |
| Loan and lease loss provision to assets | 1.2619% | 1,106 |
| Net operating income to assets | -0.2366% | 6,396 |
| Return on assets (ROA) | -0.2366% | 6,438 |
| Pretax return on assets | 0.0113% | 6,137 |
| Return on Equity (ROE) | -3.5058% | 6,568 |
| Retained earnings to average equity (ytd only) | -3.5058% | 6,370 |
| Net charge-offs to loans | 0.0160% | 6,117 |
| Credit loss provision to net charge-offs | 11,200.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 292 |
| Efficiency ratio | 70.1058% | 4,178 |
| Assets per employee ($millions) | 2.5860% | 6,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8113% | 2,691 |
| Loan loss allowance to noncurrent loans | 25,500.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 5,696 |
| Noncurrent loans to loans | 0.0071% | 7,318 |
| Net loans and leases to total assets | 76.3617% | 1,425 |
| Net loans and leases to deposits | 82.5500% | 3,172 |
| Net loans and leases to core deposits | 85.6391% | 3,884 |
| Total domestic deposits to total assets | 92.5036% | 150 |
| Equity capital to assets | 6.4855% | 7,469 |
| Core capital (leverage) ratio | 6.5642% | 7,364 |
| Tier 1 risk-based capital ratio | 10.9443% | 6,299 |
| Total risk-based capital ratio | 12.2122% | 6,266 |
| Memoranda: | ||
| Average total assets | $17,751,000 | 7,676 |
| Average earning assets | $16,031,000 | 7,656 |
| Average equity | $1,198,000 | 7,781 |
| Average total loans | $12,534,670 | 7,427 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5847% | 2,224 |
| Cost of funding earning assets | 1.7436% | 2,160 |
| Net interest margin | 3.8411% | 3,618 |
| Noninterest income to average assets | 0.5917% | 3,332 |
| Noninterest expense to average assets | 2.9587% | 3,822 |
| Loan and lease loss provision to assets | 0.1138% | 5,476 |
| Net operating income to assets | 0.6828% | 3,511 |
| Return on assets (ROA) | 0.6828% | 3,629 |
| Pretax return on assets | 0.9786% | 3,170 |
| Return on Equity (ROE) | 9.9174% | 2,131 |
| Retained earnings to average equity (ytd only) | 9.9174% | 1,159 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0337% | 3,751 |
| Assets per employee ($millions) | 2.9587% | 6,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 5,239 |
| Loan loss allowance to noncurrent loans | 7,450.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.7379% | 5,685 |
| Noncurrent loans to loans | 0.0167% | 7,376 |
| Net loans and leases to total assets | 66.5052% | 3,748 |
| Net loans and leases to deposits | 72.1859% | 5,025 |
| Net loans and leases to core deposits | 76.1530% | 5,240 |
| Total domestic deposits to total assets | 92.1305% | 220 |
| Equity capital to assets | 6.9006% | 7,411 |
| Core capital (leverage) ratio | 6.9916% | 7,256 |
| Tier 1 risk-based capital ratio | 12.7831% | 4,499 |
| Total risk-based capital ratio | 14.0353% | 4,462 |
| Memoranda: | ||
| Average total assets | $17,575,500 | 7,779 |
| Average earning assets | $15,829,000 | 7,759 |
| Average equity | $1,210,000 | 7,866 |
| Average total loans | $11,763,000 | 7,562 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9343% | 2,107 |
| Cost of funding earning assets | 2.0774% | 2,587 |
| Net interest margin | 3.8570% | 3,450 |
| Noninterest income to average assets | 0.6080% | 3,568 |
| Noninterest expense to average assets | 3.3408% | 2,873 |
| Loan and lease loss provision to assets | 0.3840% | 4,489 |
| Net operating income to assets | 0.2368% | 4,773 |
| Return on assets (ROA) | 0.2368% | 4,849 |
| Pretax return on assets | 0.3648% | 4,597 |
| Return on Equity (ROE) | 3.1261% | 4,451 |
| Retained earnings to average equity (ytd only) | 3.1261% | 2,972 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6901% | 2,646 |
| Assets per employee ($millions) | 2.8998% | 6,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 5,098 |
| Loan loss allowance to noncurrent loans | 54.5455% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 2.2588% | 3,053 |
| Noncurrent loans to loans | 2.2816% | 3,305 |
| Net loans and leases to total assets | 65.6762% | 4,241 |
| Net loans and leases to deposits | 71.2806% | 5,431 |
| Net loans and leases to core deposits | 131.2392% | 1,215 |
| Total domestic deposits to total assets | 92.1375% | 238 |
| Equity capital to assets | 6.8682% | 7,431 |
| Core capital (leverage) ratio | 7.1458% | 7,117 |
| Tier 1 risk-based capital ratio | 12.5499% | 4,482 |
| Total risk-based capital ratio | 13.7996% | 4,424 |
| Memoranda: | ||
| Average total assets | $15,625,200 | 7,883 |
| Average earning assets | $14,104,400 | 7,865 |
| Average equity | $1,183,600 | 7,964 |
| Average total loans | $10,436,000 | 7,685 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0199% | 1,954 |
| Cost of funding earning assets | 2.1458% | 2,675 |
| Net interest margin | 3.8741% | 3,328 |
| Noninterest income to average assets | 0.6235% | 3,536 |
| Noninterest expense to average assets | 3.2582% | 3,085 |
| Loan and lease loss provision to assets | 0.5269% | 3,279 |
| Net operating income to assets | 0.1844% | 5,210 |
| Return on assets (ROA) | 0.1844% | 5,278 |
| Pretax return on assets | 0.3425% | 4,951 |
| Return on Equity (ROE) | 2.3714% | 5,041 |
| Retained earnings to average equity (ytd only) | 2.3714% | 4,001 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9362% | 3,000 |
| Assets per employee ($millions) | 2.6942% | 6,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 4,458 |
| Loan loss allowance to noncurrent loans | 83.2370% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.8682% | 3,555 |
| Noncurrent loans to loans | 1.5706% | 4,282 |
| Net loans and leases to total assets | 67.2502% | 4,129 |
| Net loans and leases to deposits | 73.3585% | 5,464 |
| Net loans and leases to core deposits | 132.1381% | 1,324 |
| Total domestic deposits to total assets | 91.6734% | 233 |
| Equity capital to assets | 7.2935% | 7,430 |
| Core capital (leverage) ratio | 7.3312% | 7,160 |
| Tier 1 risk-based capital ratio | 12.3702% | 4,653 |
| Total risk-based capital ratio | 13.6187% | 4,602 |
| Memoranda: | ||
| Average total assets | $15,181,750 | 7,971 |
| Average earning assets | $13,732,000 | 7,958 |
| Average equity | $1,180,750 | 8,048 |
| Average total loans | $10,152,250 | 7,772 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0491% | 1,986 |
| Cost of funding earning assets | 2.1807% | 2,878 |
| Net interest margin | 3.8685% | 3,257 |
| Noninterest income to average assets | 0.5924% | 3,757 |
| Noninterest expense to average assets | 3.2584% | 3,120 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6463% | 3,480 |
| Return on assets (ROA) | 0.6463% | 3,587 |
| Pretax return on assets | 0.8213% | 3,603 |
| Return on Equity (ROE) | 8.1264% | 2,716 |
| Retained earnings to average equity (ytd only) | 8.1264% | 1,169 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8680% | 3,060 |
| Assets per employee ($millions) | 2.6150% | 7,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7821% | 7,214 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 5,256 |
| Noncurrent loans to loans | 0.0652% | 7,362 |
| Net loans and leases to total assets | 67.9159% | 4,164 |
| Net loans and leases to deposits | 74.4966% | 5,378 |
| Net loans and leases to core deposits | 124.0946% | 2,018 |
| Total domestic deposits to total assets | 91.1663% | 415 |
| Equity capital to assets | 7.6864% | 7,092 |
| Core capital (leverage) ratio | 7.8149% | 6,595 |
| Tier 1 risk-based capital ratio | 12.4497% | 4,559 |
| Total risk-based capital ratio | 13.3168% | 4,777 |
| Memoranda: | ||
| Average total assets | $14,854,000 | 8,069 |
| Average earning assets | $13,390,330 | 8,060 |
| Average equity | $1,181,330 | 8,138 |
| Average total loans | $9,864,670 | 7,869 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0875% | 1,987 |
| Cost of funding earning assets | 2.1631% | 3,356 |
| Net interest margin | 3.9244% | 2,953 |
| Noninterest income to average assets | 0.6096% | 3,482 |
| Noninterest expense to average assets | 3.3250% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6096% | 3,976 |
| Return on assets (ROA) | 0.6096% | 4,170 |
| Pretax return on assets | 0.8035% | 4,068 |
| Return on Equity (ROE) | 7.5278% | 3,365 |
| Retained earnings to average equity (ytd only) | 7.5278% | 2,009 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5369% | 2,739 |
| Assets per employee ($millions) | 2.4825% | 7,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 6,951 |
| Loan loss allowance to noncurrent loans | 48.5549% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 2.0275% | 2,851 |
| Noncurrent loans to loans | 1.7581% | 3,631 |
| Net loans and leases to total assets | 65.4985% | 4,707 |
| Net loans and leases to deposits | 72.0319% | 5,743 |
| Net loans and leases to core deposits | 116.7684% | 2,708 |
| Total domestic deposits to total assets | 90.9298% | 436 |
| Equity capital to assets | 7.9221% | 6,928 |
| Core capital (leverage) ratio | 8.2276% | 6,047 |
| Tier 1 risk-based capital ratio | 12.2827% | 4,716 |
| Total risk-based capital ratio | 13.1571% | 4,948 |
| Memoranda: | ||
| Average total assets | $14,436,000 | 8,131 |
| Average earning assets | $12,944,500 | 8,117 |
| Average equity | $1,169,000 | 8,191 |
| Average total loans | $9,427,000 | 7,936 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1291% | 864 |
| Cost of funding earning assets | 2.7554% | 2,899 |
| Net interest margin | 4.3737% | 1,760 |
| Noninterest income to average assets | 0.7592% | 2,728 |
| Noninterest expense to average assets | 3.8038% | 1,745 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5733% | 4,424 |
| Return on assets (ROA) | 0.5733% | 4,289 |
| Pretax return on assets | 0.8289% | 3,963 |
| Return on Equity (ROE) | 6.2405% | 3,846 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 0.0800% | 5,620 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 15.2857% | 1,941 |
| Efficiency ratio | 82.1070% | 2,289 |
| Assets per employee ($millions) | 2.3295% | 7,515 |
| Cash dividends to net income (ytd only)* | 100.0000% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 6,496 |
| Loan loss allowance to noncurrent loans | 700.0000% | 657 |
| Noncurrent assets plus other real estate owned to assets | 1.0088% | 4,303 |
| Noncurrent loans to loans | 0.1331% | 7,019 |
| Net loans and leases to total assets | 63.8907% | 5,293 |
| Net loans and leases to deposits | 70.6879% | 6,204 |
| Net loans and leases to core deposits | 106.7416% | 4,110 |
| Total domestic deposits to total assets | 90.3842% | 525 |
| Equity capital to assets | 8.2850% | 6,443 |
| Core capital (leverage) ratio | 8.4114% | 5,736 |
| Tier 1 risk-based capital ratio | 13.4245% | 3,862 |
| Total risk-based capital ratio | 14.3983% | 3,941 |
| Memoranda: | ||
| Average total assets | $12,908,000 | 8,207 |
| Average earning assets | $11,432,000 | 8,196 |
| Average equity | $1,185,800 | 8,254 |
| Average total loans | $8,747,000 | 8,002 |