Home > 1st State Bank of Mason City > Performance and Condition Ratios
1st State Bank of Mason City, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9403% | 4,773 |
| Cost of funding earning assets | 0.2903% | 2,684 |
| Net interest margin | 1.6499% | 4,780 |
| Noninterest income to average assets | 0.1076% | 4,642 |
| Noninterest expense to average assets | 2.2686% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.5560% | 4,834 |
| Return on assets (ROA) | -0.5560% | 4,840 |
| Pretax return on assets | -0.5560% | 4,837 |
| Return on Equity (ROE) | -4.9319% | 4,842 |
| Retained earnings to average equity (ytd only) | -61.1315% | 4,909 |
| Net charge-offs to loans | 0.0705% | 947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | -31.0000% | 2,447 |
| Efficiency ratio | 132.4607% | 53 |
| Assets per employee ($millions) | 7.2003% | 1,738 |
| Cash dividends to net income (ytd only)* | -1,139.5161% | 4,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2850% | 59 |
| Loan loss allowance to noncurrent loans | 140.3292% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.8437% | 828 |
| Noncurrent loans to loans | 3.0535% | 215 |
| Net loans and leases to total assets | 26.4470% | 4,690 |
| Net loans and leases to deposits | 28.6990% | 4,729 |
| Net loans and leases to core deposits | 29.5691% | 4,733 |
| Total domestic deposits to total assets | 92.1531% | 96 |
| Equity capital to assets | 7.6039% | 4,679 |
| Core capital (leverage) ratio | 6.7853% | 4,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4340% | 1,060 |
| Memoranda: | ||
| Average total assets | $29,738,000 | 4,816 |
| Average earning assets | $28,930,000 | 4,792 |
| Average equity | $3,352,250 | 4,821 |
| Average total loans | $7,561,000 | 4,833 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9875% | 4,809 |
| Cost of funding earning assets | 0.2947% | 2,822 |
| Net interest margin | 1.6928% | 4,809 |
| Noninterest income to average assets | 0.1464% | 4,466 |
| Noninterest expense to average assets | 1.7105% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0799% | 4,730 |
| Return on assets (ROA) | 0.0799% | 4,745 |
| Pretax return on assets | 0.0799% | 4,749 |
| Return on Equity (ROE) | 0.6418% | 4,739 |
| Retained earnings to average equity (ytd only) | -4.3854% | 4,771 |
| Net charge-offs to loans | 0.1346% | 592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 2,123 |
| Efficiency ratio | 95.5390% | 227 |
| Assets per employee ($millions) | 7.4238% | 1,522 |
| Cash dividends to net income (ytd only)* | 783.3333% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4985% | 49 |
| Loan loss allowance to noncurrent loans | 146.5517% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.7813% | 1,044 |
| Noncurrent loans to loans | 3.0696% | 232 |
| Net loans and leases to total assets | 24.3071% | 4,779 |
| Net loans and leases to deposits | 27.7626% | 4,784 |
| Net loans and leases to core deposits | 28.6213% | 4,794 |
| Total domestic deposits to total assets | 87.5535% | 2,068 |
| Equity capital to assets | 12.3489% | 1,202 |
| Core capital (leverage) ratio | 10.9597% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,050,333 | 4,847 |
| Average earning assets | $29,182,333 | 4,822 |
| Average equity | $3,739,667 | 4,824 |
| Average total loans | $7,428,667 | 4,872 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0257% | 4,832 |
| Cost of funding earning assets | 0.3011% | 2,982 |
| Net interest margin | 1.7246% | 4,831 |
| Noninterest income to average assets | 0.1588% | 4,405 |
| Noninterest expense to average assets | 1.6541% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1720% | 4,657 |
| Return on assets (ROA) | 0.1720% | 4,679 |
| Pretax return on assets | 0.1720% | 4,687 |
| Return on Equity (ROE) | 1.3771% | 4,674 |
| Retained earnings to average equity (ytd only) | -6.7797% | 4,742 |
| Net charge-offs to loans | 0.2716% | 313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 1,801 |
| Efficiency ratio | 90.5797% | 355 |
| Assets per employee ($millions) | 4.5480% | 4,063 |
| Cash dividends to net income (ytd only)* | 592.3077% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7867% | 44 |
| Loan loss allowance to noncurrent loans | 131.7829% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.8104% | 1,097 |
| Noncurrent loans to loans | 3.6323% | 169 |
| Net loans and leases to total assets | 21.2432% | 4,844 |
| Net loans and leases to deposits | 24.0419% | 4,855 |
| Net loans and leases to core deposits | 24.7267% | 4,855 |
| Total domestic deposits to total assets | 88.3591% | 1,679 |
| Equity capital to assets | 11.5530% | 1,509 |
| Core capital (leverage) ratio | 10.3759% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2879% | 227 |
| Memoranda: | ||
| Average total assets | $30,228,000 | 4,872 |
| Average earning assets | $29,225,000 | 4,845 |
| Average equity | $3,776,000 | 4,843 |
| Average total loans | $7,364,000 | 4,898 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6293% | 4,816 |
| Cost of funding earning assets | 0.4125% | 3,506 |
| Net interest margin | 2.2168% | 4,750 |
| Noninterest income to average assets | 0.1286% | 4,636 |
| Noninterest expense to average assets | 1.9149% | 4,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3614% | 4,327 |
| Return on assets (ROA) | 0.3614% | 4,396 |
| Pretax return on assets | 0.3614% | 4,466 |
| Return on Equity (ROE) | 2.7564% | 4,433 |
| Retained earnings to average equity (ytd only) | -0.1855% | 4,547 |
| Net charge-offs to loans | 0.1233% | 1,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 2,462 |
| Efficiency ratio | 84.1221% | 620 |
| Assets per employee ($millions) | 4.0886% | 4,304 |
| Cash dividends to net income (ytd only)* | 106.7308% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5246% | 53 |
| Loan loss allowance to noncurrent loans | 130.1887% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.9259% | 1,055 |
| Noncurrent loans to loans | 3.4754% | 203 |
| Net loans and leases to total assets | 25.4368% | 4,830 |
| Net loans and leases to deposits | 29.4486% | 4,840 |
| Net loans and leases to core deposits | 30.4030% | 4,847 |
| Total domestic deposits to total assets | 86.3767% | 2,197 |
| Equity capital to assets | 13.5360% | 922 |
| Core capital (leverage) ratio | 11.2641% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,773,600 | 4,886 |
| Average earning assets | $27,878,200 | 4,861 |
| Average equity | $3,773,000 | 4,858 |
| Average total loans | $8,108,000 | 4,915 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6981% | 4,861 |
| Cost of funding earning assets | 0.4235% | 3,678 |
| Net interest margin | 2.2746% | 4,787 |
| Noninterest income to average assets | 0.1203% | 4,682 |
| Noninterest expense to average assets | 1.8418% | 4,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4905% | 4,062 |
| Return on assets (ROA) | 0.4905% | 4,142 |
| Pretax return on assets | 0.4905% | 4,296 |
| Return on Equity (ROE) | 3.7711% | 4,219 |
| Retained earnings to average equity (ytd only) | -0.1779% | 4,502 |
| Net charge-offs to loans | 0.0810% | 1,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 21.2000% | 1,873 |
| Efficiency ratio | 78.9683% | 947 |
| Assets per employee ($millions) | 4.3986% | 3,956 |
| Cash dividends to net income (ytd only)* | 104.7170% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4276% | 51 |
| Loan loss allowance to noncurrent loans | 115.8940% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.9808% | 1,139 |
| Noncurrent loans to loans | 3.8204% | 178 |
| Net loans and leases to total assets | 24.5372% | 4,891 |
| Net loans and leases to deposits | 33.0114% | 4,865 |
| Net loans and leases to core deposits | 34.1685% | 4,871 |
| Total domestic deposits to total assets | 74.3293% | 4,548 |
| Equity capital to assets | 12.6405% | 1,355 |
| Core capital (leverage) ratio | 11.1989% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,812,000 | 4,918 |
| Average earning assets | $28,018,750 | 4,891 |
| Average equity | $3,747,750 | 4,884 |
| Average total loans | $8,228,750 | 4,947 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8123% | 4,903 |
| Cost of funding earning assets | 0.4468% | 3,808 |
| Net interest margin | 2.3656% | 4,812 |
| Noninterest income to average assets | 0.1137% | 4,726 |
| Noninterest expense to average assets | 1.9039% | 4,415 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5044% | 4,008 |
| Return on assets (ROA) | 0.5044% | 4,081 |
| Pretax return on assets | 0.5044% | 4,240 |
| Return on Equity (ROE) | 3.8382% | 4,150 |
| Retained earnings to average equity (ytd only) | -2.1624% | 4,603 |
| Net charge-offs to loans | 0.1200% | 1,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 14.2000% | 1,954 |
| Efficiency ratio | 79.0560% | 957 |
| Assets per employee ($millions) | 4.6084% | 3,635 |
| Cash dividends to net income (ytd only)* | 156.3380% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2363% | 54 |
| Loan loss allowance to noncurrent loans | 132.5758% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.8184% | 1,516 |
| Noncurrent loans to loans | 3.1954% | 281 |
| Net loans and leases to total assets | 24.5265% | 4,923 |
| Net loans and leases to deposits | 32.4502% | 4,910 |
| Net loans and leases to core deposits | 32.8149% | 4,915 |
| Total domestic deposits to total assets | 75.5820% | 4,467 |
| Equity capital to assets | 11.8820% | 1,737 |
| Core capital (leverage) ratio | 11.1856% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,152,667 | 4,952 |
| Average earning assets | $27,308,333 | 4,923 |
| Average equity | $3,699,667 | 4,918 |
| Average total loans | $8,336,667 | 4,977 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1460% | 4,896 |
| Cost of funding earning assets | 0.4926% | 3,975 |
| Net interest margin | 2.6535% | 4,713 |
| Noninterest income to average assets | 0.1839% | 4,446 |
| Noninterest expense to average assets | 2.0997% | 4,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6437% | 3,466 |
| Return on assets (ROA) | 0.6437% | 3,529 |
| Pretax return on assets | 0.6437% | 3,830 |
| Return on Equity (ROE) | 4.6243% | 3,774 |
| Retained earnings to average equity (ytd only) | -7.2667% | 4,660 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5363% | 1,507 |
| Assets per employee ($millions) | 3.9016% | 4,049 |
| Cash dividends to net income (ytd only)* | 257.1429% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3553% | 59 |
| Loan loss allowance to noncurrent loans | 120.7483% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.1131% | 1,164 |
| Noncurrent loans to loans | 3.6069% | 250 |
| Net loans and leases to total assets | 28.5453% | 4,928 |
| Net loans and leases to deposits | 33.0311% | 4,944 |
| Net loans and leases to core deposits | 33.4148% | 4,954 |
| Total domestic deposits to total assets | 86.4194% | 1,818 |
| Equity capital to assets | 13.4598% | 1,238 |
| Core capital (leverage) ratio | 12.9348% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,099,500 | 5,009 |
| Average earning assets | $25,174,500 | 4,985 |
| Average equity | $3,633,000 | 4,967 |
| Average total loans | $8,374,000 | 5,022 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5417% | 4,827 |
| Cost of funding earning assets | 0.4651% | 4,222 |
| Net interest margin | 3.0767% | 4,403 |
| Noninterest income to average assets | 0.2685% | 4,072 |
| Noninterest expense to average assets | 2.3934% | 3,702 |
| Loan and lease loss provision to assets | 1.0932% | 83 |
| Net operating income to assets | -0.2493% | 5,026 |
| Return on assets (ROA) | -0.2493% | 5,035 |
| Pretax return on assets | -0.2493% | 5,028 |
| Return on Equity (ROE) | -1.7364% | 5,031 |
| Retained earnings to average equity (ytd only) | -9.6169% | 5,060 |
| Net charge-offs to loans | 0.4989% | 373 |
| Credit loss provision to net charge-offs | 619.5652% | 501 |
| Earnings coverage of net charge-offs (x) | 4.7826% | 3,169 |
| Efficiency ratio | 73.9336% | 1,613 |
| Assets per employee ($millions) | 4.9776% | 2,636 |
| Cash dividends to net income (ytd only)* | -453.8462% | 5,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1293% | 58 |
| Loan loss allowance to noncurrent loans | 159.1928% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.9362% | 1,356 |
| Noncurrent loans to loans | 2.5939% | 408 |
| Net loans and leases to total assets | 33.1164% | 4,917 |
| Net loans and leases to deposits | 38.7695% | 4,926 |
| Net loans and leases to core deposits | 39.2663% | 4,957 |
| Total domestic deposits to total assets | 85.4187% | 2,338 |
| Equity capital to assets | 14.4246% | 954 |
| Core capital (leverage) ratio | 13.8303% | 971 |
| Tier 1 risk-based capital ratio | 31.7253% | 426 |
| Total risk-based capital ratio | 32.9972% | 418 |
| Memoranda: | ||
| Average total assets | $26,071,400 | 5,065 |
| Average earning assets | $25,157,200 | 5,041 |
| Average equity | $3,743,400 | 5,013 |
| Average total loans | $9,220,200 | 5,065 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5384% | 4,929 |
| Cost of funding earning assets | 0.4443% | 4,349 |
| Net interest margin | 3.0942% | 4,489 |
| Noninterest income to average assets | 0.2882% | 4,008 |
| Noninterest expense to average assets | 2.3311% | 3,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9506% | 3,165 |
| Return on assets (ROA) | 0.9506% | 3,239 |
| Pretax return on assets | 0.9506% | 3,737 |
| Return on Equity (ROE) | 6.6281% | 3,829 |
| Retained earnings to average equity (ytd only) | -0.3173% | 4,793 |
| Net charge-offs to loans | 0.1138% | 1,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 23.4920% | 1,829 |
| Efficiency ratio | 71.0324% | 1,968 |
| Assets per employee ($millions) | 5.0638% | 2,481 |
| Cash dividends to net income (ytd only)* | 104.7874% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 2,732 |
| Loan loss allowance to noncurrent loans | 33.6449% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.3073% | 923 |
| Noncurrent loans to loans | 3.4405% | 244 |
| Net loans and leases to total assets | 36.4232% | 4,921 |
| Net loans and leases to deposits | 43.1540% | 4,931 |
| Net loans and leases to core deposits | 43.7041% | 4,967 |
| Total domestic deposits to total assets | 84.4030% | 2,672 |
| Equity capital to assets | 15.5456% | 721 |
| Core capital (leverage) ratio | 15.2041% | 694 |
| Tier 1 risk-based capital ratio | 34.4695% | 356 |
| Total risk-based capital ratio | 35.4382% | 364 |
| Memoranda: | ||
| Average total assets | $26,367,250 | 5,138 |
| Average earning assets | $25,509,750 | 5,114 |
| Average equity | $3,781,750 | 5,085 |
| Average total loans | $9,376,000 | 5,143 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5666% | 4,958 |
| Cost of funding earning assets | 0.4264% | 4,409 |
| Net interest margin | 3.1402% | 4,469 |
| Noninterest income to average assets | 0.2770% | 4,082 |
| Noninterest expense to average assets | 2.2608% | 4,104 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0480% | 2,733 |
| Return on assets (ROA) | 1.0480% | 2,806 |
| Pretax return on assets | 1.0480% | 3,395 |
| Return on Equity (ROE) | 7.5060% | 3,493 |
| Retained earnings to average equity (ytd only) | -2.2518% | 4,928 |
| Net charge-offs to loans | 0.1704% | 949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,888 |
| Efficiency ratio | 68.3258% | 2,480 |
| Assets per employee ($millions) | 5.1856% | 2,267 |
| Cash dividends to net income (ytd only)* | 130.0000% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 2,679 |
| Loan loss allowance to noncurrent loans | 41.2214% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.0491% | 1,309 |
| Noncurrent loans to loans | 2.8324% | 375 |
| Net loans and leases to total assets | 35.2592% | 5,001 |
| Net loans and leases to deposits | 41.5489% | 5,007 |
| Net loans and leases to core deposits | 42.0593% | 5,046 |
| Total domestic deposits to total assets | 84.8619% | 2,540 |
| Equity capital to assets | 15.0108% | 806 |
| Core capital (leverage) ratio | 14.2307% | 897 |
| Tier 1 risk-based capital ratio | 33.7588% | 369 |
| Total risk-based capital ratio | 34.7159% | 369 |
| Memoranda: | ||
| Average total assets | $26,716,670 | 5,181 |
| Average earning assets | $25,794,670 | 5,156 |
| Average equity | $3,730,330 | 5,129 |
| Average total loans | $9,391,330 | 5,189 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5343% | 5,013 |
| Cost of funding earning assets | 0.4131% | 4,433 |
| Net interest margin | 3.1212% | 4,551 |
| Noninterest income to average assets | 0.2508% | 4,217 |
| Noninterest expense to average assets | 2.0361% | 4,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2246% | 1,966 |
| Return on assets (ROA) | 1.2246% | 2,012 |
| Pretax return on assets | 1.2246% | 2,717 |
| Return on Equity (ROE) | 9.0971% | 2,770 |
| Retained earnings to average equity (ytd only) | -8.8779% | 5,064 |
| Net charge-offs to loans | 0.1268% | 988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 27.6667% | 1,376 |
| Efficiency ratio | 62.4434% | 3,463 |
| Assets per employee ($millions) | 5.4656% | 2,017 |
| Cash dividends to net income (ytd only)* | 197.5904% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 2,491 |
| Loan loss allowance to noncurrent loans | 26.8409% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.5771% | 736 |
| Noncurrent loans to loans | 4.5327% | 149 |
| Net loans and leases to total assets | 33.5736% | 5,081 |
| Net loans and leases to deposits | 38.8376% | 5,096 |
| Net loans and leases to core deposits | 39.2816% | 5,125 |
| Total domestic deposits to total assets | 86.4461% | 2,099 |
| Equity capital to assets | 13.4404% | 1,232 |
| Core capital (leverage) ratio | 13.8328% | 993 |
| Tier 1 risk-based capital ratio | 32.2940% | 405 |
| Total risk-based capital ratio | 33.2619% | 408 |
| Memoranda: | ||
| Average total assets | $27,111,000 | 5,232 |
| Average earning assets | $26,143,500 | 5,206 |
| Average equity | $3,649,500 | 5,187 |
| Average total loans | $9,462,000 | 5,252 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3571% | 5,042 |
| Cost of funding earning assets | 0.3726% | 4,143 |
| Net interest margin | 2.9845% | 4,816 |
| Noninterest income to average assets | 0.3538% | 3,735 |
| Noninterest expense to average assets | 2.0676% | 4,619 |
| Loan and lease loss provision to assets | 0.3317% | 472 |
| Net operating income to assets | 0.8477% | 3,616 |
| Return on assets (ROA) | 0.8588% | 3,577 |
| Pretax return on assets | 0.8588% | 4,015 |
| Return on Equity (ROE) | 6.5497% | 3,987 |
| Retained earnings to average equity (ytd only) | 1.0120% | 4,702 |
| Net charge-offs to loans | 0.9704% | 155 |
| Credit loss provision to net charge-offs | 91.8367% | 2,695 |
| Earnings coverage of net charge-offs (x) | 3.2653% | 3,431 |
| Efficiency ratio | 63.6776% | 3,228 |
| Assets per employee ($millions) | 6.7235% | 1,100 |
| Cash dividends to net income (ytd only)* | 84.5494% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,550 |
| Loan loss allowance to noncurrent loans | 51.7857% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 0.8701% | 1,601 |
| Noncurrent loans to loans | 2.3246% | 541 |
| Net loans and leases to total assets | 35.3982% | 5,083 |
| Net loans and leases to deposits | 40.9797% | 5,105 |
| Net loans and leases to core deposits | 41.4526% | 5,138 |
| Total domestic deposits to total assets | 86.3799% | 2,061 |
| Equity capital to assets | 13.4826% | 1,152 |
| Core capital (leverage) ratio | 14.6766% | 761 |
| Tier 1 risk-based capital ratio | 33.0842% | 361 |
| Total risk-based capital ratio | 34.0808% | 369 |
| Memoranda: | ||
| Average total assets | $27,132,400 | 5,280 |
| Average earning assets | $26,302,600 | 5,242 |
| Average equity | $3,557,400 | 5,230 |
| Average total loans | $10,099,200 | 5,285 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3532% | 5,081 |
| Cost of funding earning assets | 0.3636% | 4,093 |
| Net interest margin | 2.9896% | 4,864 |
| Noninterest income to average assets | 0.3530% | 3,773 |
| Noninterest expense to average assets | 2.0006% | 4,742 |
| Loan and lease loss provision to assets | 0.0736% | 2,481 |
| Net operating income to assets | 1.1817% | 2,310 |
| Return on assets (ROA) | 1.1964% | 2,262 |
| Pretax return on assets | 1.1964% | 2,998 |
| Return on Equity (ROE) | 9.1895% | 3,006 |
| Retained earnings to average equity (ytd only) | 2.1467% | 4,523 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4458% | 3,592 |
| Assets per employee ($millions) | 5.2794% | 2,141 |
| Cash dividends to net income (ytd only)* | 76.6391% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 1,872 |
| Loan loss allowance to noncurrent loans | 53.6398% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.0531% | 1,373 |
| Noncurrent loans to loans | 2.5208% | 516 |
| Net loans and leases to total assets | 38.6938% | 5,065 |
| Net loans and leases to deposits | 44.5773% | 5,094 |
| Net loans and leases to core deposits | 45.0989% | 5,134 |
| Total domestic deposits to total assets | 86.8015% | 1,822 |
| Equity capital to assets | 13.1530% | 1,270 |
| Core capital (leverage) ratio | 14.5987% | 799 |
| Tier 1 risk-based capital ratio | 32.0000% | 399 |
| Total risk-based capital ratio | 33.1570% | 398 |
| Memoranda: | ||
| Average total assets | $27,192,000 | 5,349 |
| Average earning assets | $26,401,750 | 5,312 |
| Average equity | $3,540,250 | 5,300 |
| Average total loans | $10,215,000 | 5,349 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2809% | 5,155 |
| Cost of funding earning assets | 0.3438% | 4,113 |
| Net interest margin | 2.9371% | 4,966 |
| Noninterest income to average assets | 0.3569% | 3,771 |
| Noninterest expense to average assets | 1.9740% | 4,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2456% | 1,999 |
| Return on assets (ROA) | 1.2674% | 1,907 |
| Pretax return on assets | 1.2674% | 2,638 |
| Return on Equity (ROE) | 9.7671% | 2,677 |
| Retained earnings to average equity (ytd only) | -0.7297% | 5,050 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3122% | 3,724 |
| Assets per employee ($millions) | 5.5252% | 1,862 |
| Cash dividends to net income (ytd only)* | 107.4713% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,555 |
| Loan loss allowance to noncurrent loans | 67.3913% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 2,056 |
| Noncurrent loans to loans | 1.8247% | 851 |
| Net loans and leases to total assets | 36.0530% | 5,178 |
| Net loans and leases to deposits | 41.3450% | 5,210 |
| Net loans and leases to core deposits | 41.8048% | 5,245 |
| Total domestic deposits to total assets | 87.2005% | 1,758 |
| Equity capital to assets | 12.6728% | 1,456 |
| Core capital (leverage) ratio | 13.7573% | 975 |
| Tier 1 risk-based capital ratio | 30.4129% | 461 |
| Total risk-based capital ratio | 31.4050% | 463 |
| Memoranda: | ||
| Average total assets | $27,457,000 | 5,406 |
| Average earning assets | $26,761,330 | 5,375 |
| Average equity | $3,563,000 | 5,358 |
| Average total loans | $10,168,670 | 5,410 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2357% | 5,205 |
| Cost of funding earning assets | 0.3461% | 4,021 |
| Net interest margin | 2.8896% | 5,047 |
| Noninterest income to average assets | 0.3215% | 4,005 |
| Noninterest expense to average assets | 1.9582% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1691% | 2,140 |
| Return on assets (ROA) | 1.2129% | 1,959 |
| Pretax return on assets | 1.2129% | 2,701 |
| Return on Equity (ROE) | 9.2376% | 2,793 |
| Retained earnings to average equity (ytd only) | -9.6828% | 5,364 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6168% | 3,683 |
| Assets per employee ($millions) | 5.5882% | 1,860 |
| Cash dividends to net income (ytd only)* | 204.8193% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,403 |
| Loan loss allowance to noncurrent loans | 62.3116% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 2,026 |
| Noncurrent loans to loans | 2.0371% | 773 |
| Net loans and leases to total assets | 34.5192% | 5,256 |
| Net loans and leases to deposits | 39.4349% | 5,275 |
| Net loans and leases to core deposits | 39.8669% | 5,310 |
| Total domestic deposits to total assets | 87.5344% | 1,882 |
| Equity capital to assets | 12.3582% | 1,571 |
| Core capital (leverage) ratio | 13.5367% | 998 |
| Tier 1 risk-based capital ratio | 31.5104% | 423 |
| Total risk-based capital ratio | 32.5585% | 422 |
| Memoranda: | ||
| Average total assets | $27,372,500 | 5,465 |
| Average earning assets | $26,578,500 | 5,435 |
| Average equity | $3,594,000 | 5,409 |
| Average total loans | $10,211,000 | 5,474 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2154% | 5,172 |
| Cost of funding earning assets | 0.3494% | 3,726 |
| Net interest margin | 2.8660% | 5,087 |
| Noninterest income to average assets | 0.4392% | 3,381 |
| Noninterest expense to average assets | 2.0699% | 4,838 |
| Loan and lease loss provision to assets | 0.2808% | 633 |
| Net operating income to assets | 0.8640% | 2,897 |
| Return on assets (ROA) | 0.8640% | 2,917 |
| Pretax return on assets | 0.8640% | 4,034 |
| Return on Equity (ROE) | 6.4946% | 3,535 |
| Retained earnings to average equity (ytd only) | 0.6765% | 4,767 |
| Net charge-offs to loans | 0.8380% | 233 |
| Credit loss provision to net charge-offs | 83.8710% | 2,888 |
| Earnings coverage of net charge-offs (x) | 3.4194% | 3,610 |
| Efficiency ratio | 64.3897% | 3,555 |
| Assets per employee ($millions) | 5.3608% | 2,098 |
| Cash dividends to net income (ytd only)* | 89.5833% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 2,988 |
| Loan loss allowance to noncurrent loans | 185.0746% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 3,632 |
| Noncurrent loans to loans | 0.6289% | 2,643 |
| Net loans and leases to total assets | 39.2815% | 5,161 |
| Net loans and leases to deposits | 45.7147% | 5,205 |
| Net loans and leases to core deposits | 46.2468% | 5,233 |
| Total domestic deposits to total assets | 85.9275% | 2,474 |
| Equity capital to assets | 13.9345% | 932 |
| Core capital (leverage) ratio | 13.8250% | 878 |
| Tier 1 risk-based capital ratio | 31.7467% | 394 |
| Total risk-based capital ratio | 32.7786% | 399 |
| Memoranda: | ||
| Average total assets | $27,778,800 | 5,520 |
| Average earning assets | $26,901,800 | 5,488 |
| Average equity | $3,695,400 | 5,458 |
| Average total loans | $11,098,000 | 5,516 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1845% | 5,248 |
| Cost of funding earning assets | 0.3445% | 3,725 |
| Net interest margin | 2.8400% | 5,168 |
| Noninterest income to average assets | 0.4377% | 3,423 |
| Noninterest expense to average assets | 2.0031% | 4,944 |
| Loan and lease loss provision to assets | 0.1523% | 1,364 |
| Net operating income to assets | 1.0277% | 2,425 |
| Return on assets (ROA) | 1.0277% | 2,472 |
| Pretax return on assets | 1.0277% | 3,575 |
| Return on Equity (ROE) | 7.8141% | 3,225 |
| Retained earnings to average equity (ytd only) | 0.0361% | 5,200 |
| Net charge-offs to loans | 0.0119% | 3,311 |
| Credit loss provision to net charge-offs | 3,200.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 248.6165% | 355 |
| Efficiency ratio | 62.9297% | 3,724 |
| Assets per employee ($millions) | 5.5164% | 1,909 |
| Cash dividends to net income (ytd only)* | 99.5382% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 1,320 |
| Loan loss allowance to noncurrent loans | 113.3333% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.8157% | 2,107 |
| Noncurrent loans to loans | 1.3813% | 1,361 |
| Net loans and leases to total assets | 38.7535% | 5,237 |
| Net loans and leases to deposits | 44.8910% | 5,289 |
| Net loans and leases to core deposits | 45.3962% | 5,330 |
| Total domestic deposits to total assets | 86.3280% | 2,162 |
| Equity capital to assets | 13.6285% | 1,110 |
| Core capital (leverage) ratio | 13.5828% | 994 |
| Tier 1 risk-based capital ratio | 30.5079% | 458 |
| Total risk-based capital ratio | 31.7556% | 456 |
| Memoranda: | ||
| Average total assets | $28,022,500 | 5,579 |
| Average earning assets | $27,088,750 | 5,541 |
| Average equity | $3,685,500 | 5,521 |
| Average total loans | $11,209,250 | 5,577 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1643% | 5,286 |
| Cost of funding earning assets | 0.3451% | 3,630 |
| Net interest margin | 2.8192% | 5,216 |
| Noninterest income to average assets | 0.4260% | 3,519 |
| Noninterest expense to average assets | 2.0093% | 4,958 |
| Loan and lease loss provision to assets | 0.1065% | 1,912 |
| Net operating income to assets | 1.0366% | 2,267 |
| Return on assets (ROA) | 1.0366% | 2,309 |
| Pretax return on assets | 1.0366% | 3,420 |
| Return on Equity (ROE) | 7.9760% | 3,047 |
| Retained earnings to average equity (ytd only) | -2.9500% | 5,433 |
| Net charge-offs to loans | 0.0177% | 2,895 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 474 |
| Efficiency ratio | 63.7387% | 3,716 |
| Assets per employee ($millions) | 5.6340% | 1,756 |
| Cash dividends to net income (ytd only)* | 136.9863% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 2,021 |
| Loan loss allowance to noncurrent loans | 95.6250% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5680% | 2,864 |
| Noncurrent loans to loans | 1.4469% | 1,312 |
| Net loans and leases to total assets | 38.7114% | 5,277 |
| Net loans and leases to deposits | 44.6780% | 5,317 |
| Net loans and leases to core deposits | 45.1665% | 5,369 |
| Total domestic deposits to total assets | 86.6454% | 2,115 |
| Equity capital to assets | 13.2339% | 1,261 |
| Core capital (leverage) ratio | 12.9431% | 1,197 |
| Tier 1 risk-based capital ratio | 29.0390% | 504 |
| Total risk-based capital ratio | 30.2286% | 500 |
| Memoranda: | ||
| Average total assets | $28,169,330 | 5,622 |
| Average earning assets | $27,241,670 | 5,587 |
| Average equity | $3,661,000 | 5,565 |
| Average total loans | $11,326,000 | 5,624 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1352% | 5,325 |
| Cost of funding earning assets | 0.3385% | 3,653 |
| Net interest margin | 2.7966% | 5,245 |
| Noninterest income to average assets | 0.3550% | 3,996 |
| Noninterest expense to average assets | 1.9880% | 5,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0650% | 2,008 |
| Return on assets (ROA) | 1.0650% | 2,049 |
| Pretax return on assets | 1.0650% | 3,109 |
| Return on Equity (ROE) | 8.2702% | 2,780 |
| Retained earnings to average equity (ytd only) | -13.7836% | 5,652 |
| Net charge-offs to loans | -0.3490% | 5,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1163% | 3,647 |
| Assets per employee ($millions) | 4.8572% | 2,621 |
| Cash dividends to net income (ytd only)* | 266.6667% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 2,383 |
| Loan loss allowance to noncurrent loans | 59.8394% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 2,169 |
| Noncurrent loans to loans | 2.2252% | 757 |
| Net loans and leases to total assets | 37.8856% | 5,330 |
| Net loans and leases to deposits | 43.2353% | 5,383 |
| Net loans and leases to core deposits | 43.6869% | 5,422 |
| Total domestic deposits to total assets | 87.6265% | 1,926 |
| Equity capital to assets | 12.2671% | 1,675 |
| Core capital (leverage) ratio | 12.6157% | 1,285 |
| Tier 1 risk-based capital ratio | 28.1771% | 553 |
| Total risk-based capital ratio | 29.3227% | 542 |
| Memoranda: | ||
| Average total assets | $28,169,000 | 5,688 |
| Average earning assets | $27,175,500 | 5,652 |
| Average equity | $3,627,500 | 5,631 |
| Average total loans | $11,460,000 | 5,682 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1823% | 5,326 |
| Cost of funding earning assets | 0.3472% | 3,544 |
| Net interest margin | 2.8352% | 5,233 |
| Noninterest income to average assets | 0.4339% | 3,655 |
| Noninterest expense to average assets | 1.9420% | 5,303 |
| Loan and lease loss provision to assets | 0.1050% | 2,294 |
| Net operating income to assets | 1.1302% | 1,775 |
| Return on assets (ROA) | 1.1547% | 1,773 |
| Pretax return on assets | 1.1547% | 2,875 |
| Return on Equity (ROE) | 8.8776% | 2,481 |
| Retained earnings to average equity (ytd only) | 3.8470% | 3,186 |
| Net charge-offs to loans | 0.4136% | 636 |
| Credit loss provision to net charge-offs | 61.2245% | 3,224 |
| Earnings coverage of net charge-offs (x) | 7.2041% | 3,053 |
| Efficiency ratio | 61.1233% | 4,393 |
| Assets per employee ($millions) | 4.5325% | 3,070 |
| Cash dividends to net income (ytd only)* | 56.6667% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 3,205 |
| Loan loss allowance to noncurrent loans | 117.7966% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 3,530 |
| Noncurrent loans to loans | 1.0060% | 2,080 |
| Net loans and leases to total assets | 42.6218% | 5,200 |
| Net loans and leases to deposits | 49.3759% | 5,235 |
| Net loans and leases to core deposits | 49.9354% | 5,303 |
| Total domestic deposits to total assets | 86.3210% | 2,448 |
| Equity capital to assets | 13.5319% | 1,032 |
| Core capital (leverage) ratio | 13.3174% | 1,028 |
| Tier 1 risk-based capital ratio | 28.6947% | 532 |
| Total risk-based capital ratio | 29.7471% | 535 |
| Memoranda: | ||
| Average total assets | $28,579,000 | 5,733 |
| Average earning assets | $27,652,600 | 5,695 |
| Average equity | $3,717,200 | 5,674 |
| Average total loans | $11,848,000 | 5,733 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1698% | 5,406 |
| Cost of funding earning assets | 0.3384% | 3,670 |
| Net interest margin | 2.8314% | 5,300 |
| Noninterest income to average assets | 0.4471% | 3,582 |
| Noninterest expense to average assets | 1.8346% | 5,475 |
| Loan and lease loss provision to assets | 0.0691% | 2,838 |
| Net operating income to assets | 1.2815% | 1,347 |
| Return on assets (ROA) | 1.3137% | 1,334 |
| Pretax return on assets | 1.3137% | 2,372 |
| Return on Equity (ROE) | 10.1970% | 1,976 |
| Retained earnings to average equity (ytd only) | 3.5062% | 3,792 |
| Net charge-offs to loans | 0.3368% | 685 |
| Credit loss provision to net charge-offs | 50.0000% | 3,029 |
| Earnings coverage of net charge-offs (x) | 9.7665% | 2,653 |
| Efficiency ratio | 57.5977% | 4,875 |
| Assets per employee ($millions) | 4.6778% | 2,787 |
| Cash dividends to net income (ytd only)* | 65.6149% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 3,142 |
| Loan loss allowance to noncurrent loans | 325.0000% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 4,807 |
| Noncurrent loans to loans | 0.3740% | 3,925 |
| Net loans and leases to total assets | 41.4116% | 5,319 |
| Net loans and leases to deposits | 48.0528% | 5,377 |
| Net loans and leases to core deposits | 48.5810% | 5,433 |
| Total domestic deposits to total assets | 86.1795% | 2,271 |
| Equity capital to assets | 13.7777% | 1,128 |
| Core capital (leverage) ratio | 13.3238% | 1,061 |
| Tier 1 risk-based capital ratio | 27.9153% | 588 |
| Total risk-based capital ratio | 28.9815% | 583 |
| Memoranda: | ||
| Average total assets | $28,925,000 | 5,786 |
| Average earning assets | $27,971,500 | 5,751 |
| Average equity | $3,726,500 | 5,737 |
| Average total loans | $11,877,500 | 5,794 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1868% | 5,449 |
| Cost of funding earning assets | 0.3399% | 3,684 |
| Net interest margin | 2.8469% | 5,352 |
| Noninterest income to average assets | 0.4382% | 3,610 |
| Noninterest expense to average assets | 1.8486% | 5,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3420% | 1,185 |
| Return on assets (ROA) | 1.3420% | 1,255 |
| Pretax return on assets | 1.3420% | 2,240 |
| Return on Equity (ROE) | 10.6531% | 1,786 |
| Retained earnings to average equity (ytd only) | 0.4892% | 5,154 |
| Net charge-offs to loans | 0.1175% | 1,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,443 |
| Efficiency ratio | 57.9399% | 4,910 |
| Assets per employee ($millions) | 4.7320% | 2,658 |
| Cash dividends to net income (ytd only)* | 95.4082% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 2,859 |
| Loan loss allowance to noncurrent loans | 215.7143% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 4,504 |
| Noncurrent loans to loans | 0.5971% | 3,273 |
| Net loans and leases to total assets | 40.7615% | 5,385 |
| Net loans and leases to deposits | 47.0849% | 5,456 |
| Net loans and leases to core deposits | 47.5942% | 5,514 |
| Total domestic deposits to total assets | 86.5702% | 2,124 |
| Equity capital to assets | 13.3629% | 1,301 |
| Core capital (leverage) ratio | 12.2770% | 1,467 |
| Tier 1 risk-based capital ratio | 27.2782% | 630 |
| Total risk-based capital ratio | 28.4051% | 622 |
| Memoranda: | ||
| Average total assets | $29,211,000 | 5,858 |
| Average earning assets | $28,241,670 | 5,817 |
| Average equity | $3,679,670 | 5,808 |
| Average total loans | $11,914,670 | 5,863 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1226% | 5,583 |
| Cost of funding earning assets | 0.3361% | 3,770 |
| Net interest margin | 2.7865% | 5,488 |
| Noninterest income to average assets | 0.4051% | 3,791 |
| Noninterest expense to average assets | 1.8501% | 5,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2424% | 1,423 |
| Return on assets (ROA) | 1.2424% | 1,528 |
| Pretax return on assets | 1.2424% | 2,534 |
| Return on Equity (ROE) | 10.1587% | 1,923 |
| Retained earnings to average equity (ytd only) | -9.9379% | 5,801 |
| Net charge-offs to loans | 0.1665% | 1,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 18.4000% | 1,545 |
| Efficiency ratio | 59.8253% | 4,771 |
| Assets per employee ($millions) | 5.9132% | 1,476 |
| Cash dividends to net income (ytd only)* | 197.8261% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 2,963 |
| Loan loss allowance to noncurrent loans | 89.4737% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 3,331 |
| Noncurrent loans to loans | 1.4427% | 1,644 |
| Net loans and leases to total assets | 39.5725% | 5,475 |
| Net loans and leases to deposits | 45.1493% | 5,551 |
| Net loans and leases to core deposits | 45.6123% | 5,607 |
| Total domestic deposits to total assets | 87.6480% | 1,833 |
| Equity capital to assets | 12.2404% | 1,861 |
| Core capital (leverage) ratio | 11.8328% | 1,723 |
| Tier 1 risk-based capital ratio | 25.6492% | 758 |
| Total risk-based capital ratio | 26.7527% | 761 |
| Memoranda: | ||
| Average total assets | $29,620,500 | 5,909 |
| Average earning assets | $28,566,000 | 5,871 |
| Average equity | $3,622,500 | 5,869 |
| Average total loans | $12,010,000 | 5,919 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8755% | 5,835 |
| Cost of funding earning assets | 0.3722% | 3,459 |
| Net interest margin | 2.5032% | 5,825 |
| Noninterest income to average assets | 0.3873% | 4,136 |
| Noninterest expense to average assets | 1.7809% | 5,762 |
| Loan and lease loss provision to assets | 0.1324% | 1,805 |
| Net operating income to assets | 0.9004% | 2,866 |
| Return on assets (ROA) | 0.9004% | 2,944 |
| Pretax return on assets | 0.9004% | 3,832 |
| Return on Equity (ROE) | 7.6340% | 3,173 |
| Retained earnings to average equity (ytd only) | 3.1434% | 3,815 |
| Net charge-offs to loans | 0.0167% | 3,947 |
| Credit loss provision to net charge-offs | 2,000.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 408 |
| Efficiency ratio | 63.2941% | 4,397 |
| Assets per employee ($millions) | 5.9350% | 1,431 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 2,912 |
| Loan loss allowance to noncurrent loans | 91.3295% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 3,341 |
| Noncurrent loans to loans | 1.4219% | 1,637 |
| Net loans and leases to total assets | 40.4684% | 5,485 |
| Net loans and leases to deposits | 46.1938% | 5,550 |
| Net loans and leases to core deposits | 46.6641% | 5,618 |
| Total domestic deposits to total assets | 87.6057% | 1,842 |
| Equity capital to assets | 12.2190% | 1,804 |
| Core capital (leverage) ratio | 12.1048% | 1,557 |
| Tier 1 risk-based capital ratio | 26.3920% | 715 |
| Total risk-based capital ratio | 27.5360% | 700 |
| Memoranda: | ||
| Average total assets | $30,208,600 | 5,953 |
| Average earning assets | $29,282,200 | 5,913 |
| Average equity | $3,563,000 | 5,916 |
| Average total loans | $11,984,800 | 5,971 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8358% | 5,935 |
| Cost of funding earning assets | 0.3760% | 3,480 |
| Net interest margin | 2.4598% | 5,936 |
| Noninterest income to average assets | 0.3779% | 4,228 |
| Noninterest expense to average assets | 1.6830% | 5,915 |
| Loan and lease loss provision to assets | 0.1318% | 1,706 |
| Net operating income to assets | 0.9491% | 2,716 |
| Return on assets (ROA) | 0.9491% | 2,814 |
| Pretax return on assets | 0.9491% | 3,818 |
| Return on Equity (ROE) | 8.1187% | 3,011 |
| Retained earnings to average equity (ytd only) | 2.1047% | 4,831 |
| Net charge-offs to loans | 0.0670% | 2,612 |
| Credit loss provision to net charge-offs | 500.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 40.9988% | 1,222 |
| Efficiency ratio | 60.8903% | 4,757 |
| Assets per employee ($millions) | 6.1486% | 1,273 |
| Cash dividends to net income (ytd only)* | 74.0755% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 3,449 |
| Loan loss allowance to noncurrent loans | 92.3077% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 3,802 |
| Noncurrent loans to loans | 1.3396% | 1,910 |
| Net loans and leases to total assets | 37.4101% | 5,732 |
| Net loans and leases to deposits | 42.4658% | 5,784 |
| Net loans and leases to core deposits | 42.8806% | 5,828 |
| Total domestic deposits to total assets | 88.0949% | 1,505 |
| Equity capital to assets | 11.8173% | 2,248 |
| Core capital (leverage) ratio | 11.5449% | 2,004 |
| Tier 1 risk-based capital ratio | 26.2120% | 748 |
| Total risk-based capital ratio | 27.2634% | 747 |
| Memoranda: | ||
| Average total assets | $30,342,000 | 6,034 |
| Average earning assets | $29,432,250 | 5,990 |
| Average equity | $3,547,250 | 5,999 |
| Average total loans | $11,939,250 | 6,051 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8316% | 5,994 |
| Cost of funding earning assets | 0.3839% | 3,436 |
| Net interest margin | 2.4477% | 6,005 |
| Noninterest income to average assets | 0.3641% | 4,337 |
| Noninterest expense to average assets | 1.6618% | 6,005 |
| Loan and lease loss provision to assets | 0.1986% | 990 |
| Net operating income to assets | 0.8673% | 3,055 |
| Return on assets (ROA) | 0.8673% | 3,151 |
| Pretax return on assets | 0.8673% | 4,077 |
| Return on Equity (ROE) | 7.4460% | 3,350 |
| Retained earnings to average equity (ytd only) | -1.6484% | 5,793 |
| Net charge-offs to loans | 0.0498% | 2,712 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 53.6667% | 908 |
| Efficiency ratio | 60.9223% | 4,841 |
| Assets per employee ($millions) | 6.1774% | 1,229 |
| Cash dividends to net income (ytd only)* | 122.1374% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 3,424 |
| Loan loss allowance to noncurrent loans | 95.4545% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 3,954 |
| Noncurrent loans to loans | 1.3260% | 2,031 |
| Net loans and leases to total assets | 37.1257% | 5,771 |
| Net loans and leases to deposits | 41.9024% | 5,844 |
| Net loans and leases to core deposits | 42.3058% | 5,889 |
| Total domestic deposits to total assets | 88.6004% | 1,360 |
| Equity capital to assets | 11.2831% | 2,585 |
| Core capital (leverage) ratio | 11.3423% | 2,128 |
| Tier 1 risk-based capital ratio | 25.8157% | 789 |
| Total risk-based capital ratio | 26.8984% | 791 |
| Memoranda: | ||
| Average total assets | $30,208,330 | 6,109 |
| Average earning assets | $29,170,670 | 6,059 |
| Average equity | $3,518,670 | 6,062 |
| Average total loans | $12,037,330 | 6,118 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9046% | 5,990 |
| Cost of funding earning assets | 0.3873% | 3,442 |
| Net interest margin | 2.5173% | 5,997 |
| Noninterest income to average assets | 0.3482% | 4,413 |
| Noninterest expense to average assets | 1.7677% | 5,939 |
| Loan and lease loss provision to assets | 0.4018% | 289 |
| Net operating income to assets | 0.6160% | 4,214 |
| Return on assets (ROA) | 0.6160% | 4,304 |
| Pretax return on assets | 0.6160% | 4,871 |
| Return on Equity (ROE) | 5.2044% | 4,433 |
| Retained earnings to average equity (ytd only) | -12.8978% | 6,194 |
| Net charge-offs to loans | 0.0653% | 2,088 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,005 |
| Efficiency ratio | 63.4615% | 4,561 |
| Assets per employee ($millions) | 7.6135% | 641 |
| Cash dividends to net income (ytd only)* | 347.8261% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 3,756 |
| Loan loss allowance to noncurrent loans | 104.2254% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 4,161 |
| Noncurrent loans to loans | 1.1865% | 2,400 |
| Net loans and leases to total assets | 38.8126% | 5,674 |
| Net loans and leases to deposits | 43.8916% | 5,765 |
| Net loans and leases to core deposits | 44.3228% | 5,832 |
| Total domestic deposits to total assets | 88.4284% | 1,583 |
| Equity capital to assets | 11.4763% | 2,478 |
| Core capital (leverage) ratio | 11.0694% | 2,348 |
| Tier 1 risk-based capital ratio | 26.4399% | 758 |
| Total risk-based capital ratio | 27.5841% | 745 |
| Memoranda: | ||
| Average total assets | $29,869,000 | 6,175 |
| Average earning assets | $28,920,000 | 6,127 |
| Average equity | $3,535,500 | 6,121 |
| Average total loans | $12,249,000 | 6,167 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0759% | 5,987 |
| Cost of funding earning assets | 0.4263% | 3,427 |
| Net interest margin | 2.6495% | 6,012 |
| Noninterest income to average assets | 0.3929% | 4,242 |
| Noninterest expense to average assets | 1.8724% | 5,970 |
| Loan and lease loss provision to assets | 0.1025% | 2,443 |
| Net operating income to assets | 0.9874% | 2,442 |
| Return on assets (ROA) | 1.0524% | 2,218 |
| Pretax return on assets | 1.0524% | 3,291 |
| Return on Equity (ROE) | 9.1612% | 2,508 |
| Retained earnings to average equity (ytd only) | 4.7591% | 2,792 |
| Net charge-offs to loans | 0.1820% | 2,210 |
| Credit loss provision to net charge-offs | 136.3636% | 1,734 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 2,157 |
| Efficiency ratio | 63.2065% | 4,721 |
| Assets per employee ($millions) | 5.8568% | 1,485 |
| Cash dividends to net income (ytd only)* | 48.0519% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 5,258 |
| Loan loss allowance to noncurrent loans | 82.1918% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 4,137 |
| Noncurrent loans to loans | 1.1652% | 2,499 |
| Net loans and leases to total assets | 42.3781% | 5,587 |
| Net loans and leases to deposits | 48.3538% | 5,667 |
| Net loans and leases to core deposits | 48.8506% | 5,770 |
| Total domestic deposits to total assets | 87.6417% | 1,962 |
| Equity capital to assets | 12.2114% | 1,849 |
| Core capital (leverage) ratio | 11.9732% | 1,639 |
| Tier 1 risk-based capital ratio | 26.7991% | 698 |
| Total risk-based capital ratio | 27.7091% | 709 |
| Memoranda: | ||
| Average total assets | $29,267,800 | 6,262 |
| Average earning assets | $28,382,200 | 6,213 |
| Average equity | $3,362,000 | 6,206 |
| Average total loans | $12,089,000 | 6,250 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0861% | 6,050 |
| Cost of funding earning assets | 0.4268% | 3,497 |
| Net interest margin | 2.6593% | 6,059 |
| Noninterest income to average assets | 0.3736% | 4,438 |
| Noninterest expense to average assets | 1.8270% | 6,056 |
| Loan and lease loss provision to assets | 0.0319% | 3,774 |
| Net operating income to assets | 1.0980% | 2,045 |
| Return on assets (ROA) | 1.0980% | 2,107 |
| Pretax return on assets | 1.0980% | 3,194 |
| Return on Equity (ROE) | 9.7123% | 2,344 |
| Retained earnings to average equity (ytd only) | 3.7479% | 3,980 |
| Net charge-offs to loans | -0.0334% | 5,777 |
| Credit loss provision to net charge-offs | -233.3333% | 5,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7874% | 4,916 |
| Assets per employee ($millions) | 5.7864% | 1,496 |
| Cash dividends to net income (ytd only)* | 61.4104% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 5,235 |
| Loan loss allowance to noncurrent loans | 106.0870% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 4,725 |
| Noncurrent loans to loans | 0.9395% | 3,215 |
| Net loans and leases to total assets | 41.8879% | 5,682 |
| Net loans and leases to deposits | 47.6002% | 5,788 |
| Net loans and leases to core deposits | 48.0932% | 5,880 |
| Total domestic deposits to total assets | 87.9994% | 1,772 |
| Equity capital to assets | 11.9591% | 2,090 |
| Core capital (leverage) ratio | 11.6895% | 1,915 |
| Tier 1 risk-based capital ratio | 26.0814% | 780 |
| Total risk-based capital ratio | 26.9992% | 789 |
| Memoranda: | ||
| Average total assets | $29,263,750 | 6,335 |
| Average earning assets | $28,427,500 | 6,287 |
| Average equity | $3,308,500 | 6,282 |
| Average total loans | $11,978,750 | 6,321 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0568% | 6,124 |
| Cost of funding earning assets | 0.4337% | 3,507 |
| Net interest margin | 2.6231% | 6,147 |
| Noninterest income to average assets | 0.3609% | 4,532 |
| Noninterest expense to average assets | 1.8724% | 6,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0417% | 2,153 |
| Return on assets (ROA) | 1.0417% | 2,218 |
| Pretax return on assets | 1.0417% | 3,312 |
| Return on Equity (ROE) | 9.3923% | 2,422 |
| Retained earnings to average equity (ytd only) | 0.3069% | 5,601 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2523% | 4,655 |
| Assets per employee ($millions) | 5.9412% | 1,314 |
| Cash dividends to net income (ytd only)* | 96.7320% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 5,613 |
| Loan loss allowance to noncurrent loans | 114.2857% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 5,054 |
| Noncurrent loans to loans | 0.8197% | 3,662 |
| Net loans and leases to total assets | 39.8707% | 5,826 |
| Net loans and leases to deposits | 44.9710% | 5,938 |
| Net loans and leases to core deposits | 45.4211% | 6,018 |
| Total domestic deposits to total assets | 88.6589% | 1,563 |
| Equity capital to assets | 11.2738% | 2,637 |
| Core capital (leverage) ratio | 11.2196% | 2,227 |
| Tier 1 risk-based capital ratio | 25.6665% | 808 |
| Total risk-based capital ratio | 26.5173% | 826 |
| Memoranda: | ||
| Average total assets | $29,374,330 | 6,394 |
| Average earning assets | $28,591,670 | 6,341 |
| Average equity | $3,258,000 | 6,342 |
| Average total loans | $11,891,330 | 6,386 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0302% | 6,208 |
| Cost of funding earning assets | 0.4369% | 3,574 |
| Net interest margin | 2.5933% | 6,247 |
| Noninterest income to average assets | 0.3287% | 4,743 |
| Noninterest expense to average assets | 1.8488% | 6,147 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9997% | 2,214 |
| Return on assets (ROA) | 0.9997% | 2,268 |
| Pretax return on assets | 0.9997% | 3,319 |
| Return on Equity (ROE) | 9.0895% | 2,419 |
| Retained earnings to average equity (ytd only) | -9.3385% | 6,337 |
| Net charge-offs to loans | 0.1012% | 2,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 24.3333% | 1,182 |
| Efficiency ratio | 64.9038% | 4,709 |
| Assets per employee ($millions) | 7.6490% | 581 |
| Cash dividends to net income (ytd only)* | 202.7397% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9135% | 5,828 |
| Loan loss allowance to noncurrent loans | 95.6140% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 5,039 |
| Noncurrent loans to loans | 0.9554% | 3,501 |
| Net loans and leases to total assets | 38.6423% | 5,898 |
| Net loans and leases to deposits | 43.2017% | 6,012 |
| Net loans and leases to core deposits | 43.6160% | 6,089 |
| Total domestic deposits to total assets | 89.4463% | 1,395 |
| Equity capital to assets | 10.4556% | 3,291 |
| Core capital (leverage) ratio | 10.6289% | 2,781 |
| Tier 1 risk-based capital ratio | 24.6802% | 920 |
| Total risk-based capital ratio | 25.4956% | 952 |
| Memoranda: | ||
| Average total assets | $29,208,500 | 6,467 |
| Average earning assets | $28,380,500 | 6,412 |
| Average equity | $3,212,500 | 6,405 |
| Average total loans | $11,859,000 | 6,447 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0540% | 6,287 |
| Cost of funding earning assets | 0.4997% | 3,617 |
| Net interest margin | 2.5543% | 6,326 |
| Noninterest income to average assets | 0.3981% | 4,458 |
| Noninterest expense to average assets | 1.8883% | 6,205 |
| Loan and lease loss provision to assets | 0.1021% | 3,097 |
| Net operating income to assets | 0.8948% | 2,809 |
| Return on assets (ROA) | 0.9016% | 2,856 |
| Pretax return on assets | 0.9016% | 3,759 |
| Return on Equity (ROE) | 8.1119% | 2,981 |
| Retained earnings to average equity (ytd only) | 1.7754% | 4,968 |
| Net charge-offs to loans | 0.4143% | 1,615 |
| Credit loss provision to net charge-offs | 60.0000% | 3,562 |
| Earnings coverage of net charge-offs (x) | 5.8600% | 3,190 |
| Efficiency ratio | 65.4481% | 4,666 |
| Assets per employee ($millions) | 5.5642% | 1,596 |
| Cash dividends to net income (ytd only)* | 78.1132% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 5,758 |
| Loan loss allowance to noncurrent loans | 260.4651% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 5,853 |
| Noncurrent loans to loans | 0.3648% | 5,095 |
| Net loans and leases to total assets | 41.9611% | 5,829 |
| Net loans and leases to deposits | 47.5461% | 5,923 |
| Net loans and leases to core deposits | 48.0550% | 6,029 |
| Total domestic deposits to total assets | 88.2535% | 2,025 |
| Equity capital to assets | 11.5956% | 2,100 |
| Core capital (leverage) ratio | 11.7795% | 1,774 |
| Tier 1 risk-based capital ratio | 26.4151% | 739 |
| Total risk-based capital ratio | 27.2919% | 750 |
| Memoranda: | ||
| Average total assets | $29,391,000 | 6,529 |
| Average earning assets | $28,618,600 | 6,477 |
| Average equity | $3,266,800 | 6,481 |
| Average total loans | $12,069,600 | 6,517 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9626% | 6,456 |
| Cost of funding earning assets | 0.5099% | 3,675 |
| Net interest margin | 2.4527% | 6,471 |
| Noninterest income to average assets | 0.4029% | 4,517 |
| Noninterest expense to average assets | 1.8131% | 6,324 |
| Loan and lease loss provision to assets | 0.0895% | 3,267 |
| Net operating income to assets | 0.8909% | 2,879 |
| Return on assets (ROA) | 0.8998% | 2,952 |
| Pretax return on assets | 0.8998% | 3,886 |
| Return on Equity (ROE) | 8.1779% | 3,034 |
| Retained earnings to average equity (ytd only) | 0.1221% | 5,901 |
| Net charge-offs to loans | 0.5711% | 1,106 |
| Credit loss provision to net charge-offs | 38.4615% | 3,737 |
| Earnings coverage of net charge-offs (x) | 4.2116% | 3,501 |
| Efficiency ratio | 64.9038% | 4,665 |
| Assets per employee ($millions) | 4.8232% | 2,405 |
| Cash dividends to net income (ytd only)* | 98.5074% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8096% | 6,262 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 6,037 |
| Noncurrent loans to loans | 0.3238% | 5,415 |
| Net loans and leases to total assets | 42.3373% | 5,876 |
| Net loans and leases to deposits | 47.6102% | 5,988 |
| Net loans and leases to core deposits | 48.0961% | 6,120 |
| Total domestic deposits to total assets | 88.9250% | 1,600 |
| Equity capital to assets | 11.0197% | 2,737 |
| Core capital (leverage) ratio | 11.0777% | 2,404 |
| Tier 1 risk-based capital ratio | 24.8002% | 896 |
| Total risk-based capital ratio | 25.5472% | 937 |
| Memoranda: | ||
| Average total assets | $29,783,500 | 6,590 |
| Average earning assets | $29,028,000 | 6,540 |
| Average equity | $3,277,000 | 6,553 |
| Average total loans | $12,140,500 | 6,582 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9112% | 6,524 |
| Cost of funding earning assets | 0.5113% | 3,795 |
| Net interest margin | 2.3999% | 6,555 |
| Noninterest income to average assets | 0.3925% | 4,578 |
| Noninterest expense to average assets | 1.8294% | 6,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9047% | 2,765 |
| Return on assets (ROA) | 0.9180% | 2,846 |
| Pretax return on assets | 0.9180% | 3,840 |
| Return on Equity (ROE) | 8.3476% | 2,918 |
| Retained earnings to average equity (ytd only) | -2.1172% | 6,207 |
| Net charge-offs to loans | 0.0331% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 652 |
| Efficiency ratio | 66.9100% | 4,378 |
| Assets per employee ($millions) | 6.0374% | 1,177 |
| Cash dividends to net income (ytd only)* | 125.3623% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 5,564 |
| Loan loss allowance to noncurrent loans | 309.5238% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 6,075 |
| Noncurrent loans to loans | 0.3442% | 5,436 |
| Net loans and leases to total assets | 39.9874% | 6,045 |
| Net loans and leases to deposits | 44.7605% | 6,181 |
| Net loans and leases to core deposits | 45.1945% | 6,274 |
| Total domestic deposits to total assets | 89.3365% | 1,419 |
| Equity capital to assets | 10.5907% | 3,183 |
| Core capital (leverage) ratio | 10.4833% | 2,894 |
| Tier 1 risk-based capital ratio | 22.9912% | 1,137 |
| Total risk-based capital ratio | 23.9019% | 1,166 |
| Memoranda: | ||
| Average total assets | $30,065,000 | 6,632 |
| Average earning assets | $29,334,670 | 6,578 |
| Average equity | $3,306,330 | 6,600 |
| Average total loans | $12,070,000 | 6,625 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8891% | 6,620 |
| Cost of funding earning assets | 0.5203% | 3,883 |
| Net interest margin | 2.3688% | 6,627 |
| Noninterest income to average assets | 0.3866% | 4,566 |
| Noninterest expense to average assets | 1.7864% | 6,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9065% | 2,613 |
| Return on assets (ROA) | 0.9199% | 2,710 |
| Pretax return on assets | 0.9199% | 3,688 |
| Return on Equity (ROE) | 8.2118% | 2,873 |
| Retained earnings to average equity (ytd only) | -12.3773% | 6,689 |
| Net charge-offs to loans | 0.0333% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 526 |
| Efficiency ratio | 66.3366% | 4,608 |
| Assets per employee ($millions) | 6.3820% | 1,033 |
| Cash dividends to net income (ytd only)* | 250.7246% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 5,525 |
| Loan loss allowance to noncurrent loans | 623.8095% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 6,404 |
| Noncurrent loans to loans | 0.1794% | 5,953 |
| Net loans and leases to total assets | 36.2708% | 6,276 |
| Net loans and leases to deposits | 40.5011% | 6,396 |
| Net loans and leases to core deposits | 40.8715% | 6,446 |
| Total domestic deposits to total assets | 89.5550% | 1,327 |
| Equity capital to assets | 10.3447% | 3,743 |
| Core capital (leverage) ratio | 10.3229% | 3,002 |
| Tier 1 risk-based capital ratio | 23.9098% | 1,030 |
| Total risk-based capital ratio | 24.8847% | 1,052 |
| Memoranda: | ||
| Average total assets | $30,004,000 | 6,705 |
| Average earning assets | $29,213,500 | 6,643 |
| Average equity | $3,361,000 | 6,651 |
| Average total loans | $12,004,500 | 6,695 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4282% | 6,450 |
| Cost of funding earning assets | 0.6461% | 3,945 |
| Net interest margin | 2.7822% | 6,406 |
| Noninterest income to average assets | 0.3620% | 4,893 |
| Noninterest expense to average assets | 1.9402% | 6,439 |
| Loan and lease loss provision to assets | 0.2063% | 3,076 |
| Net operating income to assets | 0.9122% | 2,757 |
| Return on assets (ROA) | 0.9303% | 2,892 |
| Pretax return on assets | 0.9303% | 3,809 |
| Return on Equity (ROE) | 7.7191% | 3,222 |
| Retained earnings to average equity (ytd only) | 2.7032% | 4,334 |
| Net charge-offs to loans | 0.3314% | 2,983 |
| Credit loss provision to net charge-offs | 139.0244% | 1,985 |
| Earnings coverage of net charge-offs (x) | 7.5366% | 2,578 |
| Efficiency ratio | 63.4320% | 4,990 |
| Assets per employee ($millions) | 5.6196% | 1,584 |
| Cash dividends to net income (ytd only)* | 64.9805% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 5,666 |
| Loan loss allowance to noncurrent loans | 115.7895% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 5,470 |
| Noncurrent loans to loans | 0.9265% | 4,338 |
| Net loans and leases to total assets | 43.3198% | 5,878 |
| Net loans and leases to deposits | 49.4154% | 5,999 |
| Net loans and leases to core deposits | 49.9385% | 6,152 |
| Total domestic deposits to total assets | 87.6646% | 2,436 |
| Equity capital to assets | 12.1752% | 1,929 |
| Core capital (leverage) ratio | 11.4701% | 1,899 |
| Tier 1 risk-based capital ratio | 24.9061% | 863 |
| Total risk-based capital ratio | 25.8976% | 876 |
| Memoranda: | ||
| Average total assets | $27,625,800 | 6,812 |
| Average earning assets | $26,777,600 | 6,742 |
| Average equity | $3,329,400 | 6,722 |
| Average total loans | $12,372,600 | 6,764 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 6,536 |
| Cost of funding earning assets | 0.6656% | 4,056 |
| Net interest margin | 2.8126% | 6,482 |
| Noninterest income to average assets | 0.3781% | 4,795 |
| Noninterest expense to average assets | 1.8758% | 6,566 |
| Loan and lease loss provision to assets | 0.2278% | 2,781 |
| Net operating income to assets | 0.9985% | 2,512 |
| Return on assets (ROA) | 0.9985% | 2,735 |
| Pretax return on assets | 0.9985% | 3,719 |
| Return on Equity (ROE) | 8.3067% | 3,133 |
| Retained earnings to average equity (ytd only) | 1.5727% | 5,550 |
| Net charge-offs to loans | 0.4520% | 2,297 |
| Credit loss provision to net charge-offs | 111.9048% | 2,616 |
| Earnings coverage of net charge-offs (x) | 6.0236% | 2,869 |
| Efficiency ratio | 60.4688% | 5,422 |
| Assets per employee ($millions) | 5.6348% | 1,511 |
| Cash dividends to net income (ytd only)* | 81.0675% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 6,152 |
| Loan loss allowance to noncurrent loans | 82.8767% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 5,379 |
| Noncurrent loans to loans | 1.1835% | 4,085 |
| Net loans and leases to total assets | 43.3556% | 6,015 |
| Net loans and leases to deposits | 49.3815% | 6,158 |
| Net loans and leases to core deposits | 49.9020% | 6,288 |
| Total domestic deposits to total assets | 87.7973% | 2,173 |
| Equity capital to assets | 12.1282% | 2,164 |
| Core capital (leverage) ratio | 12.1177% | 1,583 |
| Tier 1 risk-based capital ratio | 24.6359% | 941 |
| Total risk-based capital ratio | 25.5489% | 963 |
| Memoranda: | ||
| Average total assets | $27,507,750 | 6,902 |
| Average earning assets | $26,641,250 | 6,836 |
| Average equity | $3,306,500 | 6,812 |
| Average total loans | $12,389,750 | 6,854 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5144% | 6,590 |
| Cost of funding earning assets | 0.6893% | 4,100 |
| Net interest margin | 2.8252% | 6,535 |
| Noninterest income to average assets | 0.3812% | 4,788 |
| Noninterest expense to average assets | 1.8838% | 6,631 |
| Loan and lease loss provision to assets | 0.3445% | 1,911 |
| Net operating income to assets | 0.8869% | 2,971 |
| Return on assets (ROA) | 0.8869% | 3,232 |
| Pretax return on assets | 0.8869% | 4,129 |
| Return on Equity (ROE) | 7.4014% | 3,565 |
| Retained earnings to average equity (ytd only) | -2.8137% | 6,447 |
| Net charge-offs to loans | 0.6770% | 1,634 |
| Credit loss provision to net charge-offs | 111.9048% | 2,435 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,202 |
| Efficiency ratio | 60.4706% | 5,503 |
| Assets per employee ($millions) | 5.5508% | 1,579 |
| Cash dividends to net income (ytd only)* | 138.0165% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 6,150 |
| Loan loss allowance to noncurrent loans | 105.2174% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 5,745 |
| Noncurrent loans to loans | 0.9525% | 4,602 |
| Net loans and leases to total assets | 43.0641% | 6,105 |
| Net loans and leases to deposits | 48.9355% | 6,247 |
| Net loans and leases to core deposits | 49.4559% | 6,371 |
| Total domestic deposits to total assets | 88.0017% | 2,142 |
| Equity capital to assets | 11.8578% | 2,262 |
| Core capital (leverage) ratio | 11.4595% | 1,929 |
| Tier 1 risk-based capital ratio | 24.6219% | 943 |
| Total risk-based capital ratio | 25.5556% | 962 |
| Memoranda: | ||
| Average total assets | $27,285,670 | 6,966 |
| Average earning assets | $26,405,330 | 6,891 |
| Average equity | $3,269,670 | 6,857 |
| Average total loans | $12,407,670 | 6,904 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6022% | 6,570 |
| Cost of funding earning assets | 0.7174% | 4,132 |
| Net interest margin | 2.8848% | 6,508 |
| Noninterest income to average assets | 0.2957% | 5,503 |
| Noninterest expense to average assets | 1.9370% | 6,574 |
| Loan and lease loss provision to assets | 0.6950% | 756 |
| Net operating income to assets | 0.4584% | 5,002 |
| Return on assets (ROA) | 0.4584% | 5,196 |
| Pretax return on assets | 0.4584% | 5,564 |
| Return on Equity (ROE) | 3.8048% | 5,378 |
| Retained earnings to average equity (ytd only) | -16.6922% | 7,002 |
| Net charge-offs to loans | 1.3678% | 739 |
| Credit loss provision to net charge-offs | 109.3023% | 2,140 |
| Earnings coverage of net charge-offs (x) | 1.8140% | 3,432 |
| Efficiency ratio | 62.6794% | 5,155 |
| Assets per employee ($millions) | 5.8318% | 1,396 |
| Cash dividends to net income (ytd only)* | 538.7097% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 6,198 |
| Loan loss allowance to noncurrent loans | 101.6949% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4047% | 5,848 |
| Noncurrent loans to loans | 0.9941% | 4,688 |
| Net loans and leases to total assets | 40.2963% | 6,326 |
| Net loans and leases to deposits | 45.3230% | 6,474 |
| Net loans and leases to core deposits | 45.7768% | 6,583 |
| Total domestic deposits to total assets | 88.9091% | 1,756 |
| Equity capital to assets | 10.9606% | 2,953 |
| Core capital (leverage) ratio | 10.8370% | 2,401 |
| Tier 1 risk-based capital ratio | 23.2059% | 1,110 |
| Total risk-based capital ratio | 24.1039% | 1,134 |
| Memoranda: | ||
| Average total assets | $27,051,500 | 7,022 |
| Average earning assets | $26,206,500 | 6,953 |
| Average equity | $3,259,000 | 6,909 |
| Average total loans | $12,575,000 | 6,955 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9885% | 6,473 |
| Cost of funding earning assets | 0.9751% | 3,543 |
| Net interest margin | 3.0135% | 6,508 |
| Noninterest income to average assets | 0.4631% | 4,109 |
| Noninterest expense to average assets | 2.0996% | 6,496 |
| Loan and lease loss provision to assets | 0.1853% | 4,340 |
| Net operating income to assets | 1.0768% | 1,901 |
| Return on assets (ROA) | 1.0768% | 2,037 |
| Pretax return on assets | 1.0768% | 2,920 |
| Return on Equity (ROE) | 8.7637% | 2,559 |
| Retained earnings to average equity (ytd only) | 8.7637% | 867 |
| Net charge-offs to loans | 0.1176% | 5,207 |
| Credit loss provision to net charge-offs | 320.0000% | 727 |
| Earnings coverage of net charge-offs (x) | 21.8000% | 1,078 |
| Efficiency ratio | 62.4569% | 5,385 |
| Assets per employee ($millions) | 4.9888% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 6,597 |
| Loan loss allowance to noncurrent loans | 109.4340% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 5,906 |
| Noncurrent loans to loans | 0.7982% | 5,093 |
| Net loans and leases to total assets | 52.7742% | 5,192 |
| Net loans and leases to deposits | 61.0349% | 5,359 |
| Net loans and leases to core deposits | 61.7680% | 5,681 |
| Total domestic deposits to total assets | 86.4657% | 3,046 |
| Equity capital to assets | 13.3178% | 1,354 |
| Core capital (leverage) ratio | 12.4754% | 1,361 |
| Tier 1 risk-based capital ratio | 23.6983% | 998 |
| Total risk-based capital ratio | 24.5478% | 1,047 |
| Memoranda: | ||
| Average total assets | $25,910,000 | 7,074 |
| Average earning assets | $24,921,600 | 7,014 |
| Average equity | $3,183,600 | 6,971 |
| Average total loans | $12,754,600 | 7,001 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9765% | 6,626 |
| Cost of funding earning assets | 1.0088% | 3,620 |
| Net interest margin | 2.9678% | 6,640 |
| Noninterest income to average assets | 0.4640% | 4,181 |
| Noninterest expense to average assets | 2.0138% | 6,664 |
| Loan and lease loss provision to assets | 0.1427% | 4,657 |
| Net operating income to assets | 1.1573% | 1,788 |
| Return on assets (ROA) | 1.1573% | 1,904 |
| Pretax return on assets | 1.1573% | 2,796 |
| Return on Equity (ROE) | 9.6113% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.6113% | 954 |
| Net charge-offs to loans | 0.0739% | 5,221 |
| Credit loss provision to net charge-offs | 400.0000% | 714 |
| Earnings coverage of net charge-offs (x) | 36.4405% | 822 |
| Efficiency ratio | 60.7692% | 5,598 |
| Assets per employee ($millions) | 5.2368% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 6,793 |
| Loan loss allowance to noncurrent loans | 113.0435% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 6,193 |
| Noncurrent loans to loans | 0.7210% | 5,431 |
| Net loans and leases to total assets | 48.3349% | 5,917 |
| Net loans and leases to deposits | 55.4140% | 6,079 |
| Net loans and leases to core deposits | 56.0422% | 6,314 |
| Total domestic deposits to total assets | 87.2250% | 2,512 |
| Equity capital to assets | 12.6757% | 1,805 |
| Core capital (leverage) ratio | 12.3057% | 1,530 |
| Tier 1 risk-based capital ratio | 23.3975% | 1,089 |
| Total risk-based capital ratio | 24.1620% | 1,138 |
| Memoranda: | ||
| Average total assets | $26,151,500 | 7,137 |
| Average earning assets | $25,113,250 | 7,079 |
| Average equity | $3,149,000 | 7,037 |
| Average total loans | $12,623,250 | 7,074 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 6,705 |
| Cost of funding earning assets | 1.0532% | 3,580 |
| Net interest margin | 2.9201% | 6,752 |
| Noninterest income to average assets | 0.4820% | 4,006 |
| Noninterest expense to average assets | 2.0581% | 6,678 |
| Loan and lease loss provision to assets | 0.1148% | 4,853 |
| Net operating income to assets | 1.1094% | 1,844 |
| Return on assets (ROA) | 1.1094% | 1,935 |
| Pretax return on assets | 1.1094% | 2,814 |
| Return on Equity (ROE) | 9.3780% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.3780% | 992 |
| Net charge-offs to loans | 0.0318% | 5,402 |
| Credit loss provision to net charge-offs | 750.0000% | 431 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 425 |
| Efficiency ratio | 62.7040% | 5,454 |
| Assets per employee ($millions) | 5.2680% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7840% | 6,901 |
| Loan loss allowance to noncurrent loans | 121.2500% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 6,372 |
| Noncurrent loans to loans | 0.6466% | 5,629 |
| Net loans and leases to total assets | 46.6021% | 6,202 |
| Net loans and leases to deposits | 53.0650% | 6,387 |
| Net loans and leases to core deposits | 53.6565% | 6,581 |
| Total domestic deposits to total assets | 87.8208% | 2,269 |
| Equity capital to assets | 12.0387% | 2,062 |
| Core capital (leverage) ratio | 11.6603% | 1,802 |
| Tier 1 risk-based capital ratio | 23.3286% | 1,083 |
| Total risk-based capital ratio | 24.0581% | 1,131 |
| Memoranda: | ||
| Average total assets | $26,140,670 | 7,209 |
| Average earning assets | $25,067,330 | 7,147 |
| Average equity | $3,092,330 | 7,107 |
| Average total loans | $12,577,670 | 7,142 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0665% | 6,566 |
| Cost of funding earning assets | 1.0973% | 3,544 |
| Net interest margin | 2.9692% | 6,639 |
| Noninterest income to average assets | 0.4608% | 4,180 |
| Noninterest expense to average assets | 2.1197% | 6,589 |
| Loan and lease loss provision to assets | 0.1229% | 4,467 |
| Net operating income to assets | 1.0445% | 2,021 |
| Return on assets (ROA) | 1.0445% | 2,074 |
| Pretax return on assets | 1.0445% | 2,972 |
| Return on Equity (ROE) | 8.9093% | 2,508 |
| Retained earnings to average equity (ytd only) | 8.9093% | 1,407 |
| Net charge-offs to loans | 0.0631% | 4,298 |
| Credit loss provision to net charge-offs | 400.0000% | 835 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 709 |
| Efficiency ratio | 64.4860% | 5,280 |
| Assets per employee ($millions) | 5.3694% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7311% | 7,037 |
| Loan loss allowance to noncurrent loans | 77.3913% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 6,137 |
| Noncurrent loans to loans | 0.9447% | 5,147 |
| Net loans and leases to total assets | 45.0106% | 6,383 |
| Net loans and leases to deposits | 50.8479% | 6,561 |
| Net loans and leases to core deposits | 51.3994% | 6,707 |
| Total domestic deposits to total assets | 88.5201% | 2,062 |
| Equity capital to assets | 11.3011% | 2,416 |
| Core capital (leverage) ratio | 11.0426% | 2,158 |
| Tier 1 risk-based capital ratio | 22.5754% | 1,129 |
| Total risk-based capital ratio | 23.2393% | 1,202 |
| Memoranda: | ||
| Average total assets | $26,041,000 | 7,260 |
| Average earning assets | $24,788,000 | 7,205 |
| Average equity | $3,053,000 | 7,155 |
| Average total loans | $12,680,500 | 7,191 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 6,260 |
| Cost of funding earning assets | 1.4932% | 2,690 |
| Net interest margin | 3.0542% | 6,630 |
| Noninterest income to average assets | 0.4622% | 4,428 |
| Noninterest expense to average assets | 2.1238% | 6,787 |
| Loan and lease loss provision to assets | 0.6376% | 2,584 |
| Net operating income to assets | 0.5698% | 3,802 |
| Return on assets (ROA) | 0.5698% | 3,964 |
| Pretax return on assets | 0.5698% | 4,421 |
| Return on Equity (ROE) | 4.6879% | 4,211 |
| Retained earnings to average equity (ytd only) | 4.6879% | 2,615 |
| Net charge-offs to loans | 1.6336% | 1,323 |
| Credit loss provision to net charge-offs | 76.1905% | 5,693 |
| Earnings coverage of net charge-offs (x) | 1.4429% | 4,676 |
| Efficiency ratio | 63.7560% | 5,394 |
| Assets per employee ($millions) | 5.0470% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6294% | 7,228 |
| Loan loss allowance to noncurrent loans | 67.4797% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 6,054 |
| Noncurrent loans to loans | 0.9327% | 5,186 |
| Net loans and leases to total assets | 51.9318% | 5,919 |
| Net loans and leases to deposits | 59.2745% | 6,129 |
| Net loans and leases to core deposits | 61.8832% | 6,244 |
| Total domestic deposits to total assets | 87.6124% | 2,472 |
| Equity capital to assets | 12.1736% | 1,811 |
| Core capital (leverage) ratio | 11.9418% | 1,592 |
| Tier 1 risk-based capital ratio | 21.9671% | 1,180 |
| Total risk-based capital ratio | 22.5626% | 1,250 |
| Memoranda: | ||
| Average total assets | $25,096,000 | 7,344 |
| Average earning assets | $23,573,800 | 7,302 |
| Average equity | $3,050,400 | 7,267 |
| Average total loans | $12,855,200 | 7,260 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5856% | 6,376 |
| Cost of funding earning assets | 1.5569% | 2,626 |
| Net interest margin | 3.0286% | 6,771 |
| Noninterest income to average assets | 0.4363% | 4,664 |
| Noninterest expense to average assets | 2.0802% | 6,888 |
| Loan and lease loss provision to assets | 0.1330% | 5,698 |
| Net operating income to assets | 1.0587% | 2,044 |
| Return on assets (ROA) | 1.0587% | 2,150 |
| Pretax return on assets | 1.0587% | 2,968 |
| Return on Equity (ROE) | 8.7136% | 2,598 |
| Retained earnings to average equity (ytd only) | 8.7136% | 1,155 |
| Net charge-offs to loans | 0.1462% | 5,135 |
| Credit loss provision to net charge-offs | 178.5714% | 2,057 |
| Earnings coverage of net charge-offs (x) | 15.9968% | 1,408 |
| Efficiency ratio | 63.5772% | 5,328 |
| Assets per employee ($millions) | 5.0552% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,873 |
| Loan loss allowance to noncurrent loans | 94.1176% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.6053% | 5,919 |
| Noncurrent loans to loans | 1.1860% | 4,870 |
| Net loans and leases to total assets | 50.4708% | 6,275 |
| Net loans and leases to deposits | 57.7658% | 6,479 |
| Net loans and leases to core deposits | 58.4353% | 6,703 |
| Total domestic deposits to total assets | 87.3714% | 2,335 |
| Equity capital to assets | 12.4664% | 1,871 |
| Core capital (leverage) ratio | 12.2059% | 1,561 |
| Tier 1 risk-based capital ratio | 22.4462% | 1,141 |
| Total risk-based capital ratio | 23.4828% | 1,143 |
| Memoranda: | ||
| Average total assets | $25,061,250 | 7,438 |
| Average earning assets | $23,464,250 | 7,395 |
| Average equity | $3,045,000 | 7,358 |
| Average total loans | $12,772,000 | 7,361 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6056% | 6,441 |
| Cost of funding earning assets | 1.6038% | 2,632 |
| Net interest margin | 3.0018% | 6,821 |
| Noninterest income to average assets | 0.4402% | 4,606 |
| Noninterest expense to average assets | 2.1209% | 6,837 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1205% | 1,783 |
| Return on assets (ROA) | 1.1205% | 1,851 |
| Pretax return on assets | 1.1205% | 2,709 |
| Return on Equity (ROE) | 9.3033% | 2,347 |
| Retained earnings to average equity (ytd only) | 9.3033% | 1,010 |
| Net charge-offs to loans | 0.0786% | 5,351 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 961 |
| Efficiency ratio | 65.4321% | 5,074 |
| Assets per employee ($millions) | 5.1204% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 6,223 |
| Loan loss allowance to noncurrent loans | 130.6122% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 6,479 |
| Noncurrent loans to loans | 0.7983% | 5,677 |
| Net loans and leases to total assets | 47.4494% | 6,663 |
| Net loans and leases to deposits | 54.1162% | 6,855 |
| Net loans and leases to core deposits | 54.1162% | 7,029 |
| Total domestic deposits to total assets | 87.6806% | 2,168 |
| Equity capital to assets | 12.1084% | 2,037 |
| Core capital (leverage) ratio | 11.7051% | 1,801 |
| Tier 1 risk-based capital ratio | 22.7994% | 1,085 |
| Total risk-based capital ratio | 23.7534% | 1,104 |
| Memoranda: | ||
| Average total assets | $24,989,670 | 7,500 |
| Average earning assets | $23,319,330 | 7,462 |
| Average equity | $3,009,670 | 7,411 |
| Average total loans | $12,729,000 | 7,414 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7698% | 5,999 |
| Cost of funding earning assets | 1.6668% | 2,557 |
| Net interest margin | 3.1030% | 6,586 |
| Noninterest income to average assets | 0.4375% | 4,578 |
| Noninterest expense to average assets | 2.1229% | 6,878 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9399% | 2,396 |
| Return on assets (ROA) | 1.1506% | 1,758 |
| Pretax return on assets | 1.3612% | 1,876 |
| Return on Equity (ROE) | 9.5800% | 2,258 |
| Retained earnings to average equity (ytd only) | 9.5800% | 1,246 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8515% | 5,333 |
| Assets per employee ($millions) | 5.1030% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 6,160 |
| Loan loss allowance to noncurrent loans | 151.1364% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 6,614 |
| Noncurrent loans to loans | 0.7050% | 5,925 |
| Net loans and leases to total assets | 48.3990% | 6,629 |
| Net loans and leases to deposits | 54.9602% | 6,849 |
| Net loans and leases to core deposits | 54.9602% | 7,051 |
| Total domestic deposits to total assets | 88.0619% | 2,024 |
| Equity capital to assets | 11.6990% | 2,230 |
| Core capital (leverage) ratio | 11.8096% | 1,747 |
| Tier 1 risk-based capital ratio | 21.9340% | 1,209 |
| Total risk-based capital ratio | 22.9113% | 1,231 |
| Memoranda: | ||
| Average total assets | $24,683,500 | 7,599 |
| Average earning assets | $22,558,500 | 7,581 |
| Average equity | $2,964,500 | 7,503 |
| Average total loans | $12,955,500 | 7,497 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3940% | 4,730 |
| Cost of funding earning assets | 2.0617% | 2,671 |
| Net interest margin | 3.3322% | 5,616 |
| Noninterest income to average assets | 0.4802% | 4,565 |
| Noninterest expense to average assets | 2.0809% | 7,223 |
| Loan and lease loss provision to assets | 0.4515% | 4,120 |
| Net operating income to assets | 0.6033% | 3,315 |
| Return on assets (ROA) | 0.6033% | 3,388 |
| Pretax return on assets | 0.8866% | 2,964 |
| Return on Equity (ROE) | 4.9442% | 3,695 |
| Retained earnings to average equity (ytd only) | 2.1189% | 3,622 |
| Net charge-offs to loans | 0.8033% | 2,819 |
| Credit loss provision to net charge-offs | 105.7692% | 5,240 |
| Earnings coverage of net charge-offs (x) | 3.1346% | 3,495 |
| Efficiency ratio | 60.8643% | 6,352 |
| Assets per employee ($millions) | 4.7704% | 2,517 |
| Cash dividends to net income (ytd only)* | 57.1429% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 6,444 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 6,871 |
| Noncurrent loans to loans | 0.4245% | 6,418 |
| Net loans and leases to total assets | 55.7438% | 5,987 |
| Net loans and leases to deposits | 64.0740% | 6,255 |
| Net loans and leases to core deposits | 80.6600% | 6,024 |
| Total domestic deposits to total assets | 86.9990% | 2,510 |
| Equity capital to assets | 12.3428% | 1,825 |
| Core capital (leverage) ratio | 12.2718% | 1,544 |
| Tier 1 risk-based capital ratio | 20.9344% | 1,306 |
| Total risk-based capital ratio | 21.8801% | 1,322 |
| Memoranda: | ||
| Average total assets | $24,364,000 | 7,656 |
| Average earning assets | $21,487,000 | 7,664 |
| Average equity | $2,973,200 | 7,590 |
| Average total loans | $12,946,800 | 7,549 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4670% | 4,591 |
| Cost of funding earning assets | 2.1274% | 2,758 |
| Net interest margin | 3.3395% | 5,494 |
| Noninterest income to average assets | 0.4518% | 4,892 |
| Noninterest expense to average assets | 1.9325% | 7,489 |
| Loan and lease loss provision to assets | 0.1633% | 5,718 |
| Net operating income to assets | 0.8492% | 2,621 |
| Return on assets (ROA) | 0.8492% | 2,688 |
| Pretax return on assets | 1.2956% | 1,961 |
| Return on Equity (ROE) | 6.9784% | 3,080 |
| Retained earnings to average equity (ytd only) | 6.9784% | 1,515 |
| Net charge-offs to loans | 0.0832% | 5,848 |
| Credit loss provision to net charge-offs | 375.0000% | 1,073 |
| Earnings coverage of net charge-offs (x) | 33.4883% | 862 |
| Efficiency ratio | 56.9823% | 6,876 |
| Assets per employee ($millions) | 4.7536% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 5,519 |
| Loan loss allowance to noncurrent loans | 256.8966% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 6,912 |
| Noncurrent loans to loans | 0.4412% | 6,448 |
| Net loans and leases to total assets | 54.6828% | 6,307 |
| Net loans and leases to deposits | 62.9303% | 6,592 |
| Net loans and leases to core deposits | 80.2879% | 6,329 |
| Total domestic deposits to total assets | 86.8941% | 2,237 |
| Equity capital to assets | 12.8618% | 1,752 |
| Core capital (leverage) ratio | 12.4923% | 1,586 |
| Tier 1 risk-based capital ratio | 22.0945% | 1,217 |
| Total risk-based capital ratio | 23.1714% | 1,210 |
| Memoranda: | ||
| Average total assets | $24,492,000 | 7,727 |
| Average earning assets | $21,559,250 | 7,731 |
| Average equity | $2,980,500 | 7,667 |
| Average total loans | $12,826,250 | 7,628 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4652% | 4,813 |
| Cost of funding earning assets | 2.1954% | 2,815 |
| Net interest margin | 3.2699% | 5,665 |
| Noninterest income to average assets | 0.4286% | 5,049 |
| Noninterest expense to average assets | 1.8113% | 7,731 |
| Loan and lease loss provision to assets | 0.2426% | 4,640 |
| Net operating income to assets | 0.7925% | 2,881 |
| Return on assets (ROA) | 0.7925% | 2,974 |
| Pretax return on assets | 1.2291% | 2,219 |
| Return on Equity (ROE) | 6.6328% | 3,371 |
| Retained earnings to average equity (ytd only) | 6.6328% | 1,729 |
| Net charge-offs to loans | 0.1572% | 4,623 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 18.2000% | 1,423 |
| Efficiency ratio | 55.1724% | 7,209 |
| Assets per employee ($millions) | 5.0174% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 5,296 |
| Loan loss allowance to noncurrent loans | 408.3333% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 7,206 |
| Noncurrent loans to loans | 0.2805% | 6,820 |
| Net loans and leases to total assets | 50.5680% | 6,822 |
| Net loans and leases to deposits | 57.5903% | 7,054 |
| Net loans and leases to core deposits | 71.3498% | 6,943 |
| Total domestic deposits to total assets | 87.8064% | 1,862 |
| Equity capital to assets | 11.9544% | 2,232 |
| Core capital (leverage) ratio | 11.8664% | 1,895 |
| Tier 1 risk-based capital ratio | 21.6628% | 1,308 |
| Total risk-based capital ratio | 22.7246% | 1,295 |
| Memoranda: | ||
| Average total assets | $24,733,330 | 7,795 |
| Average earning assets | $21,591,000 | 7,805 |
| Average equity | $2,955,000 | 7,742 |
| Average total loans | $12,719,670 | 7,714 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5673% | 4,535 |
| Cost of funding earning assets | 2.2826% | 2,780 |
| Net interest margin | 3.2847% | 5,545 |
| Noninterest income to average assets | 0.4072% | 5,159 |
| Noninterest expense to average assets | 1.8244% | 7,669 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0425% | 2,157 |
| Return on assets (ROA) | 1.0425% | 2,288 |
| Pretax return on assets | 1.4660% | 1,764 |
| Return on Equity (ROE) | 8.7283% | 2,834 |
| Retained earnings to average equity (ytd only) | 8.7283% | 1,560 |
| Net charge-offs to loans | 0.1895% | 3,499 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,631 |
| Efficiency ratio | 55.4455% | 7,044 |
| Assets per employee ($millions) | 6.1825% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 6,303 |
| Loan loss allowance to noncurrent loans | 672.2222% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 7,376 |
| Noncurrent loans to loans | 0.1459% | 7,100 |
| Net loans and leases to total assets | 49.3934% | 6,909 |
| Net loans and leases to deposits | 56.3656% | 7,145 |
| Net loans and leases to core deposits | 70.0160% | 7,017 |
| Total domestic deposits to total assets | 87.6304% | 1,911 |
| Equity capital to assets | 11.9895% | 2,267 |
| Core capital (leverage) ratio | 11.8472% | 1,974 |
| Tier 1 risk-based capital ratio | 22.1054% | 1,292 |
| Total risk-based capital ratio | 23.0075% | 1,297 |
| Memoranda: | ||
| Average total assets | $24,556,500 | 7,850 |
| Average earning assets | $21,554,500 | 7,857 |
| Average equity | $2,933,000 | 7,805 |
| Average total loans | $12,663,000 | 7,766 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8002% | 6,431 |
| Cost of funding earning assets | 2.6450% | 3,462 |
| Net interest margin | 3.1552% | 6,507 |
| Noninterest income to average assets | 0.4969% | 4,634 |
| Noninterest expense to average assets | 1.9753% | 7,488 |
| Loan and lease loss provision to assets | 0.1899% | 4,984 |
| Net operating income to assets | 0.8578% | 3,190 |
| Return on assets (ROA) | 0.8685% | 2,988 |
| Pretax return on assets | 1.3209% | 2,239 |
| Return on Equity (ROE) | 7.4762% | 3,294 |
| Retained earnings to average equity (ytd only) | 4.5205% | 2,314 |
| Net charge-offs to loans | 0.3081% | 3,337 |
| Credit loss provision to net charge-offs | 114.6341% | 4,712 |
| Earnings coverage of net charge-offs (x) | 9.0244% | 2,770 |
| Efficiency ratio | 56.9267% | 6,884 |
| Assets per employee ($millions) | 4.8766% | 2,078 |
| Cash dividends to net income (ytd only)* | 39.5349% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 6,223 |
| Loan loss allowance to noncurrent loans | 384.8485% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 7,035 |
| Noncurrent loans to loans | 0.2540% | 6,619 |
| Net loans and leases to total assets | 52.7540% | 6,770 |
| Net loans and leases to deposits | 60.1328% | 7,075 |
| Net loans and leases to core deposits | 80.9299% | 6,543 |
| Total domestic deposits to total assets | 87.7292% | 1,593 |
| Equity capital to assets | 11.8976% | 2,356 |
| Core capital (leverage) ratio | 11.6021% | 2,190 |
| Tier 1 risk-based capital ratio | 20.2995% | 1,573 |
| Total risk-based capital ratio | 21.1882% | 1,590 |
| Memoranda: | ||
| Average total assets | $24,755,200 | 7,848 |
| Average earning assets | $23,326,600 | 7,810 |
| Average equity | $2,875,800 | 7,874 |
| Average total loans | $13,305,800 | 7,752 |