Home > Corn Growers State Bank > Performance and Condition Ratios
Corn Growers State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 3,713 |
| Cost of funding earning assets | 0.6666% | 3,975 |
| Net interest margin | 3.4888% | 2,213 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.7567% | 1,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7148% | 3,149 |
| Return on assets (ROA) | 0.7148% | 3,131 |
| Pretax return on assets | 0.7910% | 3,231 |
| Return on Equity (ROE) | 15.1200% | 1,265 |
| Retained earnings to average equity (ytd only) | 14.6241% | 360 |
| Net charge-offs to loans | -0.2028% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.7037% | 1,092 |
| Assets per employee ($millions) | 7.9486% | 1,465 |
| Cash dividends to net income (ytd only)* | 3.3088% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 2,737 |
| Loan loss allowance to noncurrent loans | 872.4138% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 3,070 |
| Noncurrent loans to loans | 0.1282% | 2,876 |
| Net loans and leases to total assets | 56.2600% | 3,169 |
| Net loans and leases to deposits | 74.0373% | 2,612 |
| Net loans and leases to core deposits | 74.0373% | 3,073 |
| Total domestic deposits to total assets | 75.9900% | 3,943 |
| Equity capital to assets | 5.3066% | 4,369 |
| Core capital (leverage) ratio | 7.0435% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3373% | 1,743 |
| Memoranda: | ||
| Average total assets | $38,053,200 | 4,411 |
| Average earning assets | $35,255,800 | 4,381 |
| Average equity | $1,798,400 | 4,497 |
| Average total loans | $19,727,400 | 4,296 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 3,670 |
| Cost of funding earning assets | 0.5072% | 4,124 |
| Net interest margin | 3.5887% | 2,033 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.8699% | 1,285 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6838% | 3,361 |
| Return on assets (ROA) | 0.6838% | 3,345 |
| Pretax return on assets | 0.7724% | 3,394 |
| Return on Equity (ROE) | 14.9500% | 1,445 |
| Retained earnings to average equity (ytd only) | 14.2570% | 643 |
| Net charge-offs to loans | -0.2385% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.7938% | 948 |
| Assets per employee ($millions) | 7.7792% | 1,462 |
| Cash dividends to net income (ytd only)* | 4.6632% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 2,410 |
| Loan loss allowance to noncurrent loans | 988.0000% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,185 |
| Noncurrent loans to loans | 0.1205% | 2,960 |
| Net loans and leases to total assets | 52.7000% | 3,444 |
| Net loans and leases to deposits | 65.6577% | 3,155 |
| Net loans and leases to core deposits | 65.6577% | 3,448 |
| Total domestic deposits to total assets | 80.2700% | 3,489 |
| Equity capital to assets | 4.5866% | 4,323 |
| Core capital (leverage) ratio | 6.9281% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3225% | 1,783 |
| Memoranda: | ||
| Average total assets | $37,630,750 | 4,431 |
| Average earning assets | $34,960,750 | 4,403 |
| Average equity | $1,720,750 | 4,529 |
| Average total loans | $19,006,000 | 4,323 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 3,753 |
| Cost of funding earning assets | 0.4345% | 4,109 |
| Net interest margin | 3.5337% | 2,195 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.9240% | 1,163 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6128% | 3,548 |
| Return on assets (ROA) | 0.6128% | 3,551 |
| Pretax return on assets | 0.6128% | 3,779 |
| Return on Equity (ROE) | 13.4100% | 1,814 |
| Retained earnings to average equity (ytd only) | 12.3554% | 920 |
| Net charge-offs to loans | -0.0543% | 4,392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.6748% | 671 |
| Assets per employee ($millions) | 7.5528% | 1,576 |
| Cash dividends to net income (ytd only)* | 7.8947% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 2,852 |
| Loan loss allowance to noncurrent loans | 573.6842% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 2,830 |
| Noncurrent loans to loans | 0.1951% | 2,487 |
| Net loans and leases to total assets | 51.0000% | 3,490 |
| Net loans and leases to deposits | 57.1518% | 3,580 |
| Net loans and leases to core deposits | 57.1518% | 3,763 |
| Total domestic deposits to total assets | 89.2300% | 1,162 |
| Equity capital to assets | 4.5281% | 4,441 |
| Core capital (leverage) ratio | 6.9007% | 4,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9282% | 1,594 |
| Memoranda: | ||
| Average total assets | $37,209,000 | 4,456 |
| Average earning assets | $34,524,667 | 4,429 |
| Average equity | $1,699,667 | 4,562 |
| Average total loans | $18,426,000 | 4,354 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7863% | 3,882 |
| Cost of funding earning assets | 0.3155% | 4,151 |
| Net interest margin | 3.4708% | 2,449 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 3.3583% | 645 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1625% | 4,390 |
| Return on assets (ROA) | 0.1625% | 4,364 |
| Pretax return on assets | 0.1625% | 4,373 |
| Return on Equity (ROE) | 3.5600% | 4,110 |
| Retained earnings to average equity (ytd only) | 1.4231% | 3,797 |
| Net charge-offs to loans | -0.0447% | 4,333 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 95.3846% | 228 |
| Assets per employee ($millions) | 7.5562% | 1,587 |
| Cash dividends to net income (ytd only)* | 60.0000% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 2,730 |
| Loan loss allowance to noncurrent loans | 597.2222% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 2,864 |
| Noncurrent loans to loans | 0.1954% | 2,496 |
| Net loans and leases to total assets | 48.2100% | 3,613 |
| Net loans and leases to deposits | 52.0253% | 3,794 |
| Net loans and leases to core deposits | 52.0253% | 3,912 |
| Total domestic deposits to total assets | 92.6600% | 362 |
| Equity capital to assets | 4.5552% | 4,484 |
| Core capital (leverage) ratio | 6.8416% | 4,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4818% | 1,498 |
| Memoranda: | ||
| Average total assets | $36,923,500 | 4,523 |
| Average earning assets | $34,228,500 | 4,497 |
| Average equity | $1,686,500 | 4,629 |
| Average total loans | $17,900,500 | 4,426 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3020% | 3,585 |
| Cost of funding earning assets | 0.1950% | 3,799 |
| Net interest margin | 3.1071% | 3,159 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.6212% | 1,769 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.4261% | 4,213 |
| Return on assets (ROA) | 0.4261% | 4,177 |
| Pretax return on assets | 0.5389% | 4,115 |
| Return on Equity (ROE) | 8.2000% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.7132% | 1,952 |
| Net charge-offs to loans | 0.0450% | 1,237 |
| Credit loss provision to net charge-offs | 71.4286% | 1,721 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,716 |
| Efficiency ratio | 82.5778% | 561 |
| Assets per employee ($millions) | 7.2112% | 1,816 |
| Cash dividends to net income (ytd only)* | 5.9603% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7943% | 4,044 |
| Loan loss allowance to noncurrent loans | 219.0476% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 2,320 |
| Noncurrent loans to loans | 0.3626% | 1,835 |
| Net loans and leases to total assets | 47.8000% | 3,681 |
| Net loans and leases to deposits | 51.3405% | 3,840 |
| Net loans and leases to core deposits | 51.3405% | 3,928 |
| Total domestic deposits to total assets | 93.1100% | 378 |
| Equity capital to assets | 4.5540% | 4,455 |
| Core capital (leverage) ratio | 7.0354% | 4,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0879% | 1,605 |
| Memoranda: | ||
| Average total assets | $35,441,600 | 4,571 |
| Average earning assets | $32,313,400 | 4,548 |
| Average equity | $1,841,000 | 4,686 |
| Average total loans | $15,550,200 | 4,472 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1735% | 3,497 |
| Cost of funding earning assets | 0.1747% | 3,571 |
| Net interest margin | 2.9988% | 3,223 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.6751% | 1,520 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.3325% | 4,342 |
| Return on assets (ROA) | 0.3325% | 4,296 |
| Pretax return on assets | 0.3325% | 4,348 |
| Return on Equity (ROE) | 6.2100% | 3,755 |
| Retained earnings to average equity (ytd only) | 5.5708% | 2,902 |
| Net charge-offs to loans | 0.0795% | 745 |
| Credit loss provision to net charge-offs | 55.5556% | 1,506 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 1,989 |
| Efficiency ratio | 88.3895% | 374 |
| Assets per employee ($millions) | 7.2390% | 1,788 |
| Cash dividends to net income (ytd only)* | 10.2273% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 3,936 |
| Loan loss allowance to noncurrent loans | 62.1005% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 880 |
| Noncurrent loans to loans | 1.4068% | 509 |
| Net loans and leases to total assets | 42.6300% | 3,962 |
| Net loans and leases to deposits | 44.5429% | 4,090 |
| Net loans and leases to core deposits | 44.5429% | 4,164 |
| Total domestic deposits to total assets | 95.7100% | 154 |
| Equity capital to assets | 4.1801% | 4,455 |
| Core capital (leverage) ratio | 6.8784% | 4,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4366% | 1,587 |
| Memoranda: | ||
| Average total assets | $35,288,000 | 4,606 |
| Average earning assets | $32,056,500 | 4,588 |
| Average equity | $1,890,750 | 4,722 |
| Average total loans | $15,094,500 | 4,514 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0213% | 3,503 |
| Cost of funding earning assets | 0.1759% | 3,233 |
| Net interest margin | 2.8454% | 3,307 |
| Noninterest income to average assets | 0.3659% | 2,952 |
| Noninterest expense to average assets | 2.7097% | 1,367 |
| Loan and lease loss provision to assets | 0.0286% | 2,074 |
| Net operating income to assets | 0.2172% | 4,397 |
| Return on assets (ROA) | 0.2172% | 4,357 |
| Pretax return on assets | 0.2172% | 4,392 |
| Return on Equity (ROE) | 3.7686% | 4,078 |
| Retained earnings to average equity (ytd only) | 2.8760% | 3,482 |
| Net charge-offs to loans | 0.1607% | 396 |
| Credit loss provision to net charge-offs | 41.6667% | 1,526 |
| Earnings coverage of net charge-offs (x) | 3.5833% | 1,990 |
| Efficiency ratio | 91.6828% | 350 |
| Assets per employee ($millions) | 7.4080% | 1,670 |
| Cash dividends to net income (ytd only)* | 23.6842% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 3,996 |
| Loan loss allowance to noncurrent loans | 302.2727% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 2,877 |
| Noncurrent loans to loans | 0.2931% | 2,299 |
| Net loans and leases to total assets | 40.1701% | 4,065 |
| Net loans and leases to deposits | 42.2771% | 4,184 |
| Net loans and leases to core deposits | 42.2771% | 4,251 |
| Total domestic deposits to total assets | 95.0162% | 143 |
| Equity capital to assets | 4.8866% | 4,500 |
| Core capital (leverage) ratio | 6.8014% | 4,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6807% | 1,513 |
| Memoranda: | ||
| Average total assets | $34,985,667 | 4,650 |
| Average earning assets | $31,841,000 | 4,644 |
| Average equity | $2,016,667 | 4,747 |
| Average total loans | $14,937,000 | 4,579 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0230% | 3,183 |
| Cost of funding earning assets | 0.1832% | 3,043 |
| Net interest margin | 2.8398% | 3,013 |
| Noninterest income to average assets | 0.4005% | 2,684 |
| Noninterest expense to average assets | 3.1097% | 683 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1531% | 4,621 |
| Return on assets (ROA) | -0.1531% | 4,605 |
| Pretax return on assets | -0.1531% | 4,602 |
| Return on Equity (ROE) | -2.4528% | 4,651 |
| Retained earnings to average equity (ytd only) | -4.1509% | 4,384 |
| Net charge-offs to loans | 0.3759% | 177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -0.9286% | 1,793 |
| Efficiency ratio | 105.1793% | 174 |
| Assets per employee ($millions) | 7.4356% | 1,723 |
| Cash dividends to net income (ytd only)* | -69.2308% | 4,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 4,070 |
| Loan loss allowance to noncurrent loans | 406.4516% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 3,244 |
| Noncurrent loans to loans | 0.2189% | 2,721 |
| Net loans and leases to total assets | 37.7562% | 4,127 |
| Net loans and leases to deposits | 39.8835% | 4,252 |
| Net loans and leases to core deposits | 39.8835% | 4,318 |
| Total domestic deposits to total assets | 94.6662% | 60 |
| Equity capital to assets | 5.2504% | 4,694 |
| Core capital (leverage) ratio | 6.9519% | 4,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2029% | 1,458 |
| Memoranda: | ||
| Average total assets | $33,958,500 | 4,683 |
| Average earning assets | $30,566,000 | 4,675 |
| Average equity | $2,120,000 | 4,764 |
| Average total loans | $14,899,500 | 4,599 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5823% | 2,435 |
| Cost of funding earning assets | 0.2418% | 3,034 |
| Net interest margin | 3.3406% | 2,208 |
| Noninterest income to average assets | 0.7338% | 1,651 |
| Noninterest expense to average assets | 2.9384% | 1,084 |
| Loan and lease loss provision to assets | 0.0165% | 2,745 |
| Net operating income to assets | 0.6082% | 3,858 |
| Return on assets (ROA) | 0.6082% | 3,905 |
| Pretax return on assets | 0.7933% | 3,742 |
| Return on Equity (ROE) | 8.1821% | 3,166 |
| Retained earnings to average equity (ytd only) | 7.7819% | 1,625 |
| Net charge-offs to loans | -0.0200% | 3,978 |
| Credit loss provision to net charge-offs | -166.6667% | 3,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3951% | 915 |
| Assets per employee ($millions) | 6.1478% | 2,612 |
| Cash dividends to net income (ytd only)* | 4.8913% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8954% | 4,072 |
| Loan loss allowance to noncurrent loans | 411.7647% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 3,156 |
| Noncurrent loans to loans | 0.2174% | 2,875 |
| Net loans and leases to total assets | 50.4115% | 3,234 |
| Net loans and leases to deposits | 54.5480% | 3,554 |
| Net loans and leases to core deposits | 54.5480% | 3,724 |
| Total domestic deposits to total assets | 92.4168% | 103 |
| Equity capital to assets | 7.4433% | 4,611 |
| Core capital (leverage) ratio | 7.7568% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1827% | 1,222 |
| Memoranda: | ||
| Average total assets | $30,254,800 | 4,742 |
| Average earning assets | $27,300,800 | 4,729 |
| Average equity | $2,248,800 | 4,798 |
| Average total loans | $15,003,400 | 4,651 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4817% | 2,888 |
| Cost of funding earning assets | 0.2490% | 3,135 |
| Net interest margin | 3.2327% | 2,628 |
| Noninterest income to average assets | 0.9203% | 1,216 |
| Noninterest expense to average assets | 3.0928% | 830 |
| Loan and lease loss provision to assets | 0.0232% | 2,527 |
| Net operating income to assets | 0.6017% | 4,004 |
| Return on assets (ROA) | 0.6017% | 4,051 |
| Pretax return on assets | 0.7345% | 4,005 |
| Return on Equity (ROE) | 8.0987% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.5627% | 2,198 |
| Net charge-offs to loans | -0.0269% | 4,091 |
| Credit loss provision to net charge-offs | -166.6667% | 3,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3448% | 722 |
| Assets per employee ($millions) | 6.3538% | 2,371 |
| Cash dividends to net income (ytd only)* | 6.6176% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 4,109 |
| Loan loss allowance to noncurrent loans | 72.5389% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 1,256 |
| Noncurrent loans to loans | 1.2633% | 871 |
| Net loans and leases to total assets | 47.6471% | 3,659 |
| Net loans and leases to deposits | 51.4392% | 3,924 |
| Net loans and leases to core deposits | 51.4392% | 4,065 |
| Total domestic deposits to total assets | 92.6280% | 60 |
| Equity capital to assets | 7.2618% | 4,763 |
| Core capital (leverage) ratio | 7.5686% | 4,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0997% | 1,329 |
| Memoranda: | ||
| Average total assets | $30,133,750 | 4,813 |
| Average earning assets | $27,303,750 | 4,801 |
| Average equity | $2,239,000 | 4,875 |
| Average total loans | $14,845,250 | 4,723 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5813% | 2,682 |
| Cost of funding earning assets | 0.2692% | 3,097 |
| Net interest margin | 3.3121% | 2,403 |
| Noninterest income to average assets | 1.1896% | 811 |
| Noninterest expense to average assets | 3.2445% | 670 |
| Loan and lease loss provision to assets | 0.0338% | 2,308 |
| Net operating income to assets | 0.8720% | 3,300 |
| Return on assets (ROA) | 0.8720% | 3,375 |
| Pretax return on assets | 0.9058% | 3,648 |
| Return on Equity (ROE) | 11.6408% | 2,185 |
| Retained earnings to average equity (ytd only) | 10.8287% | 1,167 |
| Net charge-offs to loans | -0.0272% | 4,119 |
| Credit loss provision to net charge-offs | -250.0000% | 3,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5444% | 950 |
| Assets per employee ($millions) | 4.6199% | 3,997 |
| Cash dividends to net income (ytd only)* | 6.9767% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 3,981 |
| Loan loss allowance to noncurrent loans | 110.3175% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 2,050 |
| Noncurrent loans to loans | 0.8655% | 1,419 |
| Net loans and leases to total assets | 44.5870% | 4,005 |
| Net loans and leases to deposits | 48.0329% | 4,214 |
| Net loans and leases to core deposits | 48.0329% | 4,327 |
| Total domestic deposits to total assets | 92.8260% | 43 |
| Equity capital to assets | 7.0750% | 4,831 |
| Core capital (leverage) ratio | 7.7319% | 4,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,588,667 | 4,850 |
| Average earning assets | $26,750,000 | 4,837 |
| Average equity | $2,216,333 | 4,911 |
| Average total loans | $14,701,333 | 4,759 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7091% | 2,337 |
| Cost of funding earning assets | 0.2817% | 3,177 |
| Net interest margin | 3.4274% | 2,032 |
| Noninterest income to average assets | 0.3544% | 3,313 |
| Noninterest expense to average assets | 3.5869% | 421 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1985% | 4,839 |
| Return on assets (ROA) | -0.1985% | 4,842 |
| Pretax return on assets | -0.1276% | 4,818 |
| Return on Equity (ROE) | -2.5682% | 4,871 |
| Retained earnings to average equity (ytd only) | -4.2192% | 4,668 |
| Net charge-offs to loans | -0.0542% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6885% | 152 |
| Assets per employee ($millions) | 4.1926% | 4,353 |
| Cash dividends to net income (ytd only)* | -64.2857% | 4,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 4,136 |
| Loan loss allowance to noncurrent loans | 176.3158% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 2,850 |
| Noncurrent loans to loans | 0.5148% | 2,311 |
| Net loans and leases to total assets | 49.8501% | 3,640 |
| Net loans and leases to deposits | 53.8323% | 3,949 |
| Net loans and leases to core deposits | 53.8323% | 4,099 |
| Total domestic deposits to total assets | 92.6026% | 65 |
| Equity capital to assets | 7.2986% | 4,780 |
| Core capital (leverage) ratio | 7.7905% | 4,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,213,500 | 4,883 |
| Average earning assets | $25,559,000 | 4,868 |
| Average equity | $2,180,500 | 4,938 |
| Average total loans | $14,773,000 | 4,789 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 2,043 |
| Cost of funding earning assets | 0.3862% | 3,668 |
| Net interest margin | 3.8490% | 1,359 |
| Noninterest income to average assets | 0.4568% | 2,838 |
| Noninterest expense to average assets | 3.4295% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3464% | 4,359 |
| Return on assets (ROA) | 0.3464% | 4,426 |
| Pretax return on assets | 0.4796% | 4,303 |
| Return on Equity (ROE) | 4.1935% | 4,118 |
| Retained earnings to average equity (ytd only) | 3.7788% | 2,929 |
| Net charge-offs to loans | 0.0806% | 1,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 2,456 |
| Efficiency ratio | 87.7313% | 456 |
| Assets per employee ($millions) | 3.8684% | 4,460 |
| Cash dividends to net income (ytd only)* | 9.8901% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 4,202 |
| Loan loss allowance to noncurrent loans | 121.1009% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 2,379 |
| Noncurrent loans to loans | 0.7374% | 1,860 |
| Net loans and leases to total assets | 54.1010% | 3,478 |
| Net loans and leases to deposits | 58.9822% | 3,828 |
| Net loans and leases to core deposits | 58.9822% | 4,000 |
| Total domestic deposits to total assets | 91.7242% | 96 |
| Equity capital to assets | 8.1945% | 4,627 |
| Core capital (leverage) ratio | 8.3096% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,272,400 | 4,899 |
| Average earning assets | $23,564,800 | 4,893 |
| Average equity | $2,170,000 | 4,959 |
| Average total loans | $14,895,000 | 4,809 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2932% | 2,120 |
| Cost of funding earning assets | 0.4196% | 3,705 |
| Net interest margin | 3.8737% | 1,420 |
| Noninterest income to average assets | 0.4910% | 2,647 |
| Noninterest expense to average assets | 3.4725% | 729 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4654% | 4,127 |
| Return on assets (ROA) | 0.4654% | 4,199 |
| Pretax return on assets | 0.4654% | 4,351 |
| Return on Equity (ROE) | 5.6230% | 3,682 |
| Retained earnings to average equity (ytd only) | 5.0669% | 2,526 |
| Net charge-offs to loans | -0.0268% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1818% | 411 |
| Assets per employee ($millions) | 3.8931% | 4,414 |
| Cash dividends to net income (ytd only)* | 9.8901% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 3,847 |
| Loan loss allowance to noncurrent loans | 91.3043% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 1,960 |
| Noncurrent loans to loans | 1.0516% | 1,418 |
| Net loans and leases to total assets | 55.6400% | 3,654 |
| Net loans and leases to deposits | 60.6253% | 4,017 |
| Net loans and leases to core deposits | 60.6253% | 4,171 |
| Total domestic deposits to total assets | 91.7768% | 74 |
| Equity capital to assets | 8.1389% | 4,664 |
| Core capital (leverage) ratio | 8.4458% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,070,750 | 4,932 |
| Average earning assets | $23,198,750 | 4,927 |
| Average equity | $2,157,750 | 4,992 |
| Average total loans | $14,923,250 | 4,840 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3359% | 2,376 |
| Cost of funding earning assets | 0.4740% | 3,683 |
| Net interest margin | 3.8619% | 1,662 |
| Noninterest income to average assets | 0.3194% | 3,553 |
| Noninterest expense to average assets | 3.6453% | 615 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1013% | 4,686 |
| Return on assets (ROA) | 0.1013% | 4,717 |
| Pretax return on assets | 0.1013% | 4,726 |
| Return on Equity (ROE) | 1.2163% | 4,660 |
| Retained earnings to average equity (ytd only) | 0.3742% | 4,235 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2973% | 219 |
| Assets per employee ($millions) | 3.8566% | 4,429 |
| Cash dividends to net income (ytd only)* | 69.2308% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 3,817 |
| Loan loss allowance to noncurrent loans | 102.8571% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 2,277 |
| Noncurrent loans to loans | 0.9191% | 1,678 |
| Net loans and leases to total assets | 55.8935% | 3,694 |
| Net loans and leases to deposits | 60.7888% | 4,080 |
| Net loans and leases to core deposits | 60.7888% | 4,221 |
| Total domestic deposits to total assets | 91.9470% | 53 |
| Equity capital to assets | 7.9419% | 4,746 |
| Core capital (leverage) ratio | 8.3561% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1313% | 1,030 |
| Memoranda: | ||
| Average total assets | $25,677,000 | 4,965 |
| Average earning assets | $22,786,667 | 4,961 |
| Average equity | $2,137,667 | 5,022 |
| Average total loans | $14,794,333 | 4,870 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5155% | 2,271 |
| Cost of funding earning assets | 0.5057% | 3,915 |
| Net interest margin | 4.0098% | 1,368 |
| Noninterest income to average assets | 0.3837% | 3,207 |
| Noninterest expense to average assets | 3.8373% | 595 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0959% | 4,664 |
| Return on assets (ROA) | 0.0959% | 4,656 |
| Pretax return on assets | 0.0959% | 4,666 |
| Return on Equity (ROE) | 1.1244% | 4,612 |
| Retained earnings to average equity (ytd only) | -0.5622% | 4,085 |
| Net charge-offs to loans | -0.0823% | 4,777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5610% | 285 |
| Assets per employee ($millions) | 3.5796% | 4,410 |
| Cash dividends to net income (ytd only)* | 150.0000% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 3,561 |
| Loan loss allowance to noncurrent loans | 165.1685% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 3,014 |
| Noncurrent loans to loans | 0.6224% | 2,435 |
| Net loans and leases to total assets | 56.4792% | 3,798 |
| Net loans and leases to deposits | 61.7964% | 4,111 |
| Net loans and leases to core deposits | 61.7964% | 4,280 |
| Total domestic deposits to total assets | 91.3956% | 74 |
| Equity capital to assets | 8.5046% | 4,832 |
| Core capital (leverage) ratio | 8.4380% | 4,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0299% | 863 |
| Memoranda: | ||
| Average total assets | $25,017,500 | 5,017 |
| Average earning assets | $22,146,000 | 5,012 |
| Average equity | $2,134,500 | 5,069 |
| Average total loans | $14,575,000 | 4,913 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3524% | 3,383 |
| Cost of funding earning assets | 0.5057% | 4,067 |
| Net interest margin | 3.8467% | 2,351 |
| Noninterest income to average assets | 0.4313% | 3,100 |
| Noninterest expense to average assets | 3.2723% | 1,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5579% | 4,272 |
| Return on assets (ROA) | 0.5579% | 4,326 |
| Pretax return on assets | 0.6806% | 4,255 |
| Return on Equity (ROE) | 6.8969% | 3,585 |
| Retained earnings to average equity (ytd only) | 6.4567% | 1,634 |
| Net charge-offs to loans | -0.0137% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7828% | 748 |
| Assets per employee ($millions) | 3.5683% | 4,410 |
| Cash dividends to net income (ytd only)* | 6.3830% | 3,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 3,652 |
| Loan loss allowance to noncurrent loans | 161.7978% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 2,973 |
| Noncurrent loans to loans | 0.5993% | 2,387 |
| Net loans and leases to total assets | 58.8798% | 3,681 |
| Net loans and leases to deposits | 64.4422% | 4,053 |
| Net loans and leases to core deposits | 65.1646% | 4,223 |
| Total domestic deposits to total assets | 91.3684% | 74 |
| Equity capital to assets | 8.5595% | 4,889 |
| Core capital (leverage) ratio | 8.3702% | 4,913 |
| Tier 1 risk-based capital ratio | 17.5828% | 1,868 |
| Total risk-based capital ratio | 18.7659% | 1,838 |
| Memoranda: | ||
| Average total assets | $25,273,000 | 5,071 |
| Average earning assets | $23,136,600 | 5,062 |
| Average equity | $2,044,400 | 5,135 |
| Average total loans | $14,622,800 | 4,971 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 3,660 |
| Cost of funding earning assets | 0.4973% | 4,149 |
| Net interest margin | 3.8007% | 2,593 |
| Noninterest income to average assets | 0.4208% | 3,200 |
| Noninterest expense to average assets | 3.3403% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5260% | 4,456 |
| Return on assets (ROA) | 0.5260% | 4,507 |
| Pretax return on assets | 0.5786% | 4,581 |
| Return on Equity (ROE) | 6.5972% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.0035% | 2,371 |
| Net charge-offs to loans | -0.0458% | 4,815 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2349% | 540 |
| Assets per employee ($millions) | 3.6290% | 4,362 |
| Cash dividends to net income (ytd only)* | 9.0002% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 3,685 |
| Loan loss allowance to noncurrent loans | 138.6792% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 2,844 |
| Noncurrent loans to loans | 0.7066% | 2,191 |
| Net loans and leases to total assets | 58.4734% | 3,826 |
| Net loans and leases to deposits | 65.1577% | 4,118 |
| Net loans and leases to core deposits | 65.8860% | 4,283 |
| Total domestic deposits to total assets | 89.7414% | 358 |
| Equity capital to assets | 8.2234% | 5,086 |
| Core capital (leverage) ratio | 8.0742% | 5,101 |
| Tier 1 risk-based capital ratio | 16.9367% | 2,103 |
| Total risk-based capital ratio | 18.1217% | 2,070 |
| Memoranda: | ||
| Average total assets | $25,346,750 | 5,149 |
| Average earning assets | $23,328,250 | 5,134 |
| Average equity | $2,021,000 | 5,212 |
| Average total loans | $14,565,750 | 5,053 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2168% | 3,881 |
| Cost of funding earning assets | 0.5077% | 4,086 |
| Net interest margin | 3.7091% | 2,910 |
| Noninterest income to average assets | 0.4185% | 3,145 |
| Noninterest expense to average assets | 3.3481% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4738% | 4,586 |
| Return on assets (ROA) | 0.4738% | 4,616 |
| Pretax return on assets | 0.4738% | 4,733 |
| Return on Equity (ROE) | 6.0050% | 4,048 |
| Retained earnings to average equity (ytd only) | 5.1043% | 2,718 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6033% | 458 |
| Assets per employee ($millions) | 3.7044% | 4,238 |
| Cash dividends to net income (ytd only)* | 15.0000% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 3,851 |
| Loan loss allowance to noncurrent loans | 130.2752% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 2,833 |
| Noncurrent loans to loans | 0.7345% | 2,152 |
| Net loans and leases to total assets | 56.6812% | 4,032 |
| Net loans and leases to deposits | 61.5675% | 4,350 |
| Net loans and leases to core deposits | 62.2217% | 4,490 |
| Total domestic deposits to total assets | 92.0636% | 38 |
| Equity capital to assets | 7.8709% | 5,200 |
| Core capital (leverage) ratio | 8.0680% | 5,146 |
| Tier 1 risk-based capital ratio | 16.9557% | 2,105 |
| Total risk-based capital ratio | 18.1228% | 2,067 |
| Memoranda: | ||
| Average total assets | $25,328,000 | 5,195 |
| Average earning assets | $23,240,330 | 5,183 |
| Average equity | $1,998,330 | 5,257 |
| Average total loans | $14,420,670 | 5,099 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2183% | 3,810 |
| Cost of funding earning assets | 0.5229% | 3,960 |
| Net interest margin | 3.6954% | 2,911 |
| Noninterest income to average assets | 0.4156% | 3,078 |
| Noninterest expense to average assets | 3.4364% | 1,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3676% | 4,800 |
| Return on assets (ROA) | 0.3676% | 4,809 |
| Pretax return on assets | 0.3676% | 4,880 |
| Return on Equity (ROE) | 4.6535% | 4,425 |
| Retained earnings to average equity (ytd only) | 2.8326% | 3,807 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3361% | 381 |
| Assets per employee ($millions) | 3.5980% | 4,465 |
| Cash dividends to net income (ytd only)* | 39.1304% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 3,635 |
| Loan loss allowance to noncurrent loans | 147.9167% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 3,063 |
| Noncurrent loans to loans | 0.6817% | 2,311 |
| Net loans and leases to total assets | 55.3482% | 4,109 |
| Net loans and leases to deposits | 61.5154% | 4,332 |
| Net loans and leases to core deposits | 61.5154% | 4,508 |
| Total domestic deposits to total assets | 89.9746% | 456 |
| Equity capital to assets | 7.9806% | 5,187 |
| Core capital (leverage) ratio | 8.2175% | 5,134 |
| Tier 1 risk-based capital ratio | 17.3741% | 1,985 |
| Total risk-based capital ratio | 18.5700% | 1,947 |
| Memoranda: | ||
| Average total assets | $25,026,500 | 5,255 |
| Average earning assets | $22,947,500 | 5,239 |
| Average equity | $1,977,000 | 5,313 |
| Average total loans | $14,211,000 | 5,163 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 3,900 |
| Cost of funding earning assets | 0.3698% | 4,159 |
| Net interest margin | 3.6769% | 3,132 |
| Noninterest income to average assets | 0.3740% | 3,591 |
| Noninterest expense to average assets | 3.1366% | 1,710 |
| Loan and lease loss provision to assets | 0.2091% | 895 |
| Net operating income to assets | 0.4665% | 4,733 |
| Return on assets (ROA) | 0.4665% | 4,731 |
| Pretax return on assets | 0.4665% | 4,847 |
| Return on Equity (ROE) | 6.0436% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.5747% | 2,433 |
| Net charge-offs to loans | 0.2954% | 657 |
| Credit loss provision to net charge-offs | 126.8293% | 2,076 |
| Earnings coverage of net charge-offs (x) | 4.0976% | 3,332 |
| Efficiency ratio | 82.2785% | 777 |
| Assets per employee ($millions) | 3.5553% | 4,491 |
| Cash dividends to net income (ytd only)* | 7.7586% | 3,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 3,761 |
| Loan loss allowance to noncurrent loans | 137.8641% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 2,897 |
| Noncurrent loans to loans | 0.7183% | 2,190 |
| Net loans and leases to total assets | 57.0499% | 4,042 |
| Net loans and leases to deposits | 64.7985% | 4,205 |
| Net loans and leases to core deposits | 64.7985% | 4,417 |
| Total domestic deposits to total assets | 88.0419% | 1,282 |
| Equity capital to assets | 7.8917% | 5,199 |
| Core capital (leverage) ratio | 8.1140% | 5,203 |
| Tier 1 risk-based capital ratio | 16.9163% | 2,096 |
| Total risk-based capital ratio | 18.0915% | 2,069 |
| Memoranda: | ||
| Average total assets | $24,867,800 | 5,298 |
| Average earning assets | $23,253,200 | 5,282 |
| Average equity | $1,919,400 | 5,360 |
| Average total loans | $13,877,200 | 5,214 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9072% | 4,196 |
| Cost of funding earning assets | 0.3261% | 4,338 |
| Net interest margin | 3.5811% | 3,432 |
| Noninterest income to average assets | 0.3646% | 3,691 |
| Noninterest expense to average assets | 3.1157% | 1,725 |
| Loan and lease loss provision to assets | 0.2788% | 543 |
| Net operating income to assets | 0.3271% | 5,063 |
| Return on assets (ROA) | 0.3271% | 5,056 |
| Pretax return on assets | 0.3271% | 5,111 |
| Return on Equity (ROE) | 4.2620% | 4,761 |
| Retained earnings to average equity (ytd only) | 3.6332% | 3,946 |
| Net charge-offs to loans | 0.4069% | 398 |
| Credit loss provision to net charge-offs | 123.8095% | 1,951 |
| Earnings coverage of net charge-offs (x) | 2.6904% | 3,223 |
| Efficiency ratio | 83.7176% | 659 |
| Assets per employee ($millions) | 3.7111% | 4,291 |
| Cash dividends to net income (ytd only)* | 14.7547% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 4,087 |
| Loan loss allowance to noncurrent loans | 131.7757% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 3,043 |
| Noncurrent loans to loans | 0.7134% | 2,293 |
| Net loans and leases to total assets | 57.1907% | 4,114 |
| Net loans and leases to deposits | 68.0577% | 4,057 |
| Net loans and leases to core deposits | 68.0577% | 4,295 |
| Total domestic deposits to total assets | 84.0326% | 2,931 |
| Equity capital to assets | 7.4563% | 5,315 |
| Core capital (leverage) ratio | 8.0664% | 5,304 |
| Tier 1 risk-based capital ratio | 15.6514% | 2,584 |
| Total risk-based capital ratio | 16.7332% | 2,589 |
| Memoranda: | ||
| Average total assets | $24,863,000 | 5,367 |
| Average earning assets | $23,307,000 | 5,349 |
| Average equity | $1,908,250 | 5,433 |
| Average total loans | $13,761,500 | 5,281 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8507% | 4,214 |
| Cost of funding earning assets | 0.3151% | 4,313 |
| Net interest margin | 3.5356% | 3,512 |
| Noninterest income to average assets | 0.3838% | 3,593 |
| Noninterest expense to average assets | 3.2910% | 1,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3920% | 4,972 |
| Return on assets (ROA) | 0.3920% | 4,978 |
| Pretax return on assets | 0.3920% | 5,051 |
| Return on Equity (ROE) | 5.0562% | 4,536 |
| Retained earnings to average equity (ytd only) | 4.1081% | 3,553 |
| Net charge-offs to loans | -0.0300% | 4,735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3570% | 394 |
| Assets per employee ($millions) | 3.5597% | 4,518 |
| Cash dividends to net income (ytd only)* | 18.7500% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 4,117 |
| Loan loss allowance to noncurrent loans | 99.2537% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5378% | 2,616 |
| Noncurrent loans to loans | 0.9576% | 1,817 |
| Net loans and leases to total assets | 55.6224% | 4,195 |
| Net loans and leases to deposits | 60.3107% | 4,510 |
| Net loans and leases to core deposits | 60.3107% | 4,689 |
| Total domestic deposits to total assets | 92.2265% | 69 |
| Equity capital to assets | 7.7294% | 5,313 |
| Core capital (leverage) ratio | 8.2270% | 5,248 |
| Tier 1 risk-based capital ratio | 15.4598% | 2,655 |
| Total risk-based capital ratio | 16.4757% | 2,695 |
| Memoranda: | ||
| Average total assets | $24,491,330 | 5,436 |
| Average earning assets | $22,853,000 | 5,421 |
| Average equity | $1,898,670 | 5,497 |
| Average total loans | $13,349,330 | 5,350 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8026% | 4,211 |
| Cost of funding earning assets | 0.2830% | 4,478 |
| Net interest margin | 3.5196% | 3,465 |
| Noninterest income to average assets | 0.3789% | 3,595 |
| Noninterest expense to average assets | 3.6906% | 770 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.0330% | 5,401 |
| Return on assets (ROA) | -0.0330% | 5,397 |
| Pretax return on assets | -0.0330% | 5,399 |
| Return on Equity (ROE) | -0.4244% | 5,400 |
| Retained earnings to average equity (ytd only) | -2.3342% | 5,038 |
| Net charge-offs to loans | -0.0614% | 5,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9009% | 171 |
| Assets per employee ($millions) | 3.4223% | 4,765 |
| Cash dividends to net income (ytd only)* | -450.0000% | 5,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 3,753 |
| Loan loss allowance to noncurrent loans | 99.2537% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 2,652 |
| Noncurrent loans to loans | 1.0435% | 1,754 |
| Net loans and leases to total assets | 53.0473% | 4,367 |
| Net loans and leases to deposits | 60.0283% | 4,470 |
| Net loans and leases to core deposits | 60.0283% | 4,653 |
| Total domestic deposits to total assets | 88.3703% | 1,425 |
| Equity capital to assets | 7.8352% | 5,315 |
| Core capital (leverage) ratio | 7.9943% | 5,389 |
| Tier 1 risk-based capital ratio | 16.6681% | 2,221 |
| Total risk-based capital ratio | 17.7928% | 2,208 |
| Memoranda: | ||
| Average total assets | $24,278,000 | 5,496 |
| Average earning assets | $22,616,000 | 5,478 |
| Average equity | $1,885,000 | 5,556 |
| Average total loans | $13,027,500 | 5,423 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5898% | 4,593 |
| Cost of funding earning assets | 0.2504% | 4,557 |
| Net interest margin | 3.3395% | 4,039 |
| Noninterest income to average assets | 0.2922% | 4,369 |
| Noninterest expense to average assets | 3.1901% | 1,631 |
| Loan and lease loss provision to assets | 0.0237% | 3,823 |
| Net operating income to assets | 0.2290% | 5,050 |
| Return on assets (ROA) | 0.2290% | 5,068 |
| Pretax return on assets | 0.1856% | 5,323 |
| Return on Equity (ROE) | 3.1334% | 4,792 |
| Retained earnings to average equity (ytd only) | 3.1334% | 3,421 |
| Net charge-offs to loans | 0.1178% | 1,867 |
| Credit loss provision to net charge-offs | 40.0000% | 3,440 |
| Earnings coverage of net charge-offs (x) | 3.5333% | 3,593 |
| Efficiency ratio | 93.8444% | 301 |
| Assets per employee ($millions) | 3.5143% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 3,996 |
| Loan loss allowance to noncurrent loans | 80.3681% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 0.6626% | 2,331 |
| Noncurrent loans to loans | 1.2335% | 1,433 |
| Net loans and leases to total assets | 53.1829% | 4,427 |
| Net loans and leases to deposits | 59.1911% | 4,624 |
| Net loans and leases to core deposits | 59.1911% | 4,791 |
| Total domestic deposits to total assets | 89.8496% | 625 |
| Equity capital to assets | 7.6951% | 5,489 |
| Core capital (leverage) ratio | 7.8129% | 5,492 |
| Tier 1 risk-based capital ratio | 15.9249% | 2,460 |
| Total risk-based capital ratio | 16.9849% | 2,480 |
| Memoranda: | ||
| Average total assets | $25,328,600 | 5,541 |
| Average earning assets | $23,566,600 | 5,523 |
| Average equity | $1,851,000 | 5,620 |
| Average total loans | $12,736,800 | 5,492 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5343% | 4,730 |
| Cost of funding earning assets | 0.2300% | 4,744 |
| Net interest margin | 3.3043% | 4,162 |
| Noninterest income to average assets | 0.2927% | 4,440 |
| Noninterest expense to average assets | 3.2561% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1150% | 5,435 |
| Return on assets (ROA) | 0.1150% | 5,445 |
| Pretax return on assets | 0.1150% | 5,452 |
| Return on Equity (ROE) | 1.5936% | 5,364 |
| Retained earnings to average equity (ytd only) | 1.5936% | 4,791 |
| Net charge-offs to loans | 0.0529% | 2,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.3973% | 3,234 |
| Efficiency ratio | 96.5891% | 237 |
| Assets per employee ($millions) | 3.5674% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 3,880 |
| Loan loss allowance to noncurrent loans | 74.1758% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 0.7288% | 2,323 |
| Noncurrent loans to loans | 1.3944% | 1,341 |
| Net loans and leases to total assets | 51.7259% | 4,587 |
| Net loans and leases to deposits | 58.7297% | 4,701 |
| Net loans and leases to core deposits | 58.7297% | 4,884 |
| Total domestic deposits to total assets | 88.0746% | 1,328 |
| Equity capital to assets | 7.4924% | 5,616 |
| Core capital (leverage) ratio | 7.4703% | 5,622 |
| Tier 1 risk-based capital ratio | 15.5451% | 2,692 |
| Total risk-based capital ratio | 16.6449% | 2,695 |
| Memoranda: | ||
| Average total assets | $25,510,750 | 5,602 |
| Average earning assets | $23,766,250 | 5,587 |
| Average equity | $1,840,500 | 5,685 |
| Average total loans | $12,617,500 | 5,554 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4532% | 4,869 |
| Cost of funding earning assets | 0.2174% | 4,819 |
| Net interest margin | 3.2358% | 4,309 |
| Noninterest income to average assets | 0.2880% | 4,491 |
| Noninterest expense to average assets | 3.1763% | 1,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1246% | 5,465 |
| Return on assets (ROA) | 0.1246% | 5,469 |
| Pretax return on assets | 0.1246% | 5,488 |
| Return on Equity (ROE) | 1.7304% | 5,377 |
| Retained earnings to average equity (ytd only) | -0.3244% | 5,129 |
| Net charge-offs to loans | 0.0802% | 1,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.2000% | 3,079 |
| Efficiency ratio | 96.2264% | 254 |
| Assets per employee ($millions) | 3.5921% | 4,590 |
| Cash dividends to net income (ytd only)* | 118.7500% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 3,789 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 2,417 |
| Noncurrent loans to loans | 1.4143% | 1,351 |
| Net loans and leases to total assets | 50.0776% | 4,705 |
| Net loans and leases to deposits | 55.2960% | 4,889 |
| Net loans and leases to core deposits | 55.2960% | 5,033 |
| Total domestic deposits to total assets | 90.5627% | 334 |
| Equity capital to assets | 7.4210% | 5,664 |
| Core capital (leverage) ratio | 7.4367% | 5,666 |
| Tier 1 risk-based capital ratio | 16.0365% | 2,488 |
| Total risk-based capital ratio | 17.1759% | 2,474 |
| Memoranda: | ||
| Average total assets | $25,690,330 | 5,649 |
| Average earning assets | $23,920,000 | 5,632 |
| Average equity | $1,849,330 | 5,734 |
| Average total loans | $12,472,670 | 5,606 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4168% | 4,892 |
| Cost of funding earning assets | 0.2156% | 4,839 |
| Net interest margin | 3.2012% | 4,342 |
| Noninterest income to average assets | 0.3081% | 4,354 |
| Noninterest expense to average assets | 3.3740% | 1,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0924% | 5,643 |
| Return on assets (ROA) | -0.0924% | 5,649 |
| Pretax return on assets | -0.0924% | 5,640 |
| Return on Equity (ROE) | -1.3036% | 5,664 |
| Retained earnings to average equity (ytd only) | -1.3036% | 5,101 |
| Net charge-offs to loans | -0.0324% | 4,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8169% | 191 |
| Assets per employee ($millions) | 3.6009% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 3,002 |
| Loan loss allowance to noncurrent loans | 76.6304% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 0.7300% | 2,470 |
| Noncurrent loans to loans | 1.5935% | 1,223 |
| Net loans and leases to total assets | 45.2511% | 4,974 |
| Net loans and leases to deposits | 48.8187% | 5,183 |
| Net loans and leases to core deposits | 48.8187% | 5,266 |
| Total domestic deposits to total assets | 92.6922% | 50 |
| Equity capital to assets | 7.2760% | 5,720 |
| Core capital (leverage) ratio | 7.3146% | 5,735 |
| Tier 1 risk-based capital ratio | 16.7638% | 2,258 |
| Total risk-based capital ratio | 18.0092% | 2,230 |
| Memoranda: | ||
| Average total assets | $25,963,000 | 5,716 |
| Average earning assets | $24,116,000 | 5,695 |
| Average equity | $1,841,000 | 5,800 |
| Average total loans | $12,345,500 | 5,669 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2966% | 5,162 |
| Cost of funding earning assets | 0.2126% | 4,904 |
| Net interest margin | 3.0840% | 4,768 |
| Noninterest income to average assets | 0.3649% | 4,135 |
| Noninterest expense to average assets | 2.7615% | 3,155 |
| Loan and lease loss provision to assets | 0.7637% | 149 |
| Net operating income to assets | -0.2671% | 5,729 |
| Return on assets (ROA) | -0.2671% | 5,742 |
| Pretax return on assets | -0.2671% | 5,732 |
| Return on Equity (ROE) | -3.9475% | 5,775 |
| Retained earnings to average equity (ytd only) | -3.9475% | 5,633 |
| Net charge-offs to loans | 1.4196% | 105 |
| Credit loss provision to net charge-offs | 110.3261% | 2,373 |
| Earnings coverage of net charge-offs (x) | 0.7174% | 4,079 |
| Efficiency ratio | 84.7575% | 936 |
| Assets per employee ($millions) | 3.8171% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 3,922 |
| Loan loss allowance to noncurrent loans | 73.6842% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 0.7111% | 2,597 |
| Noncurrent loans to loans | 1.4455% | 1,403 |
| Net loans and leases to total assets | 48.6677% | 4,850 |
| Net loans and leases to deposits | 55.6226% | 4,933 |
| Net loans and leases to core deposits | 55.6226% | 5,061 |
| Total domestic deposits to total assets | 87.4963% | 1,883 |
| Equity capital to assets | 6.9162% | 5,810 |
| Core capital (leverage) ratio | 7.2089% | 5,789 |
| Tier 1 risk-based capital ratio | 15.0066% | 2,960 |
| Total risk-based capital ratio | 16.0884% | 2,971 |
| Memoranda: | ||
| Average total assets | $26,580,200 | 5,763 |
| Average earning assets | $24,935,000 | 5,733 |
| Average equity | $1,798,600 | 5,863 |
| Average total loans | $12,961,000 | 5,715 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2726% | 5,249 |
| Cost of funding earning assets | 0.2139% | 4,934 |
| Net interest margin | 3.0587% | 4,883 |
| Noninterest income to average assets | 0.3616% | 4,193 |
| Noninterest expense to average assets | 2.7525% | 3,171 |
| Loan and lease loss provision to assets | 1.0196% | 101 |
| Net operating income to assets | -0.5374% | 5,862 |
| Return on assets (ROA) | -0.5374% | 5,865 |
| Pretax return on assets | -0.5374% | 5,855 |
| Return on Equity (ROE) | -7.9866% | 5,893 |
| Retained earnings to average equity (ytd only) | -7.9866% | 5,818 |
| Net charge-offs to loans | 1.9098% | 63 |
| Credit loss provision to net charge-offs | 109.7297% | 2,226 |
| Earnings coverage of net charge-offs (x) | 0.5189% | 3,781 |
| Efficiency ratio | 85.0932% | 896 |
| Assets per employee ($millions) | 3.9181% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 4,300 |
| Loan loss allowance to noncurrent loans | 74.3316% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 2,866 |
| Noncurrent loans to loans | 1.3718% | 1,607 |
| Net loans and leases to total assets | 49.1960% | 4,876 |
| Net loans and leases to deposits | 56.1506% | 4,983 |
| Net loans and leases to core deposits | 56.1506% | 5,142 |
| Total domestic deposits to total assets | 87.6144% | 1,607 |
| Equity capital to assets | 6.7306% | 5,907 |
| Core capital (leverage) ratio | 6.7752% | 5,895 |
| Tier 1 risk-based capital ratio | 13.8252% | 3,650 |
| Total risk-based capital ratio | 14.8696% | 3,700 |
| Memoranda: | ||
| Average total assets | $26,545,250 | 5,826 |
| Average earning assets | $24,933,750 | 5,795 |
| Average equity | $1,786,250 | 5,929 |
| Average total loans | $12,915,250 | 5,773 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2744% | 5,335 |
| Cost of funding earning assets | 0.2264% | 4,879 |
| Net interest margin | 3.0481% | 4,981 |
| Noninterest income to average assets | 0.3657% | 4,142 |
| Noninterest expense to average assets | 2.8570% | 2,818 |
| Loan and lease loss provision to assets | 1.5466% | 58 |
| Net operating income to assets | -1.1657% | 5,983 |
| Return on assets (ROA) | -1.1657% | 5,987 |
| Pretax return on assets | -1.1657% | 5,979 |
| Return on Equity (ROE) | -17.3241% | 6,005 |
| Retained earnings to average equity (ytd only) | -17.3241% | 5,955 |
| Net charge-offs to loans | 2.9346% | 45 |
| Credit loss provision to net charge-offs | 109.1398% | 1,976 |
| Earnings coverage of net charge-offs (x) | 0.2688% | 3,535 |
| Efficiency ratio | 88.2353% | 706 |
| Assets per employee ($millions) | 3.9799% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 4,484 |
| Loan loss allowance to noncurrent loans | 70.0508% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 2,860 |
| Noncurrent loans to loans | 1.4353% | 1,543 |
| Net loans and leases to total assets | 48.7706% | 4,926 |
| Net loans and leases to deposits | 55.0103% | 5,079 |
| Net loans and leases to core deposits | 55.0103% | 5,224 |
| Total domestic deposits to total assets | 88.6572% | 1,082 |
| Equity capital to assets | 6.4611% | 5,993 |
| Core capital (leverage) ratio | 6.6684% | 5,966 |
| Tier 1 risk-based capital ratio | 13.3986% | 3,967 |
| Total risk-based capital ratio | 14.4298% | 4,005 |
| Memoranda: | ||
| Average total assets | $26,251,330 | 5,898 |
| Average earning assets | $24,737,000 | 5,871 |
| Average equity | $1,766,330 | 6,006 |
| Average total loans | $12,676,330 | 5,849 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3270% | 5,269 |
| Cost of funding earning assets | 0.2329% | 4,873 |
| Net interest margin | 3.0941% | 4,877 |
| Noninterest income to average assets | 0.3772% | 4,008 |
| Noninterest expense to average assets | 3.5524% | 1,098 |
| Loan and lease loss provision to assets | 3.1909% | 19 |
| Net operating income to assets | -3.4424% | 6,097 |
| Return on assets (ROA) | -3.4424% | 6,097 |
| Pretax return on assets | -3.4424% | 6,091 |
| Return on Equity (ROE) | -50.0714% | 6,102 |
| Retained earnings to average equity (ytd only) | -50.0714% | 6,076 |
| Net charge-offs to loans | 6.2541% | 10 |
| Credit loss provision to net charge-offs | 106.8421% | 1,546 |
| Earnings coverage of net charge-offs (x) | -0.0842% | 2,981 |
| Efficiency ratio | 107.6190% | 180 |
| Assets per employee ($millions) | 3.7024% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 4,214 |
| Loan loss allowance to noncurrent loans | 68.0203% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 0.7601% | 2,798 |
| Noncurrent loans to loans | 1.5754% | 1,481 |
| Net loans and leases to total assets | 47.7331% | 4,986 |
| Net loans and leases to deposits | 53.3693% | 5,142 |
| Net loans and leases to core deposits | 53.3693% | 5,294 |
| Total domestic deposits to total assets | 89.4394% | 865 |
| Equity capital to assets | 6.6906% | 6,027 |
| Core capital (leverage) ratio | 6.8319% | 6,011 |
| Tier 1 risk-based capital ratio | 14.0866% | 3,629 |
| Total risk-based capital ratio | 15.1789% | 3,666 |
| Memoranda: | ||
| Average total assets | $25,447,500 | 5,965 |
| Average earning assets | $24,046,000 | 5,940 |
| Average equity | $1,749,500 | 6,068 |
| Average total loans | $12,152,000 | 5,918 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0929% | 5,639 |
| Cost of funding earning assets | 0.2420% | 4,865 |
| Net interest margin | 2.8509% | 5,423 |
| Noninterest income to average assets | 0.3306% | 4,535 |
| Noninterest expense to average assets | 2.7908% | 3,267 |
| Loan and lease loss provision to assets | 0.0692% | 2,904 |
| Net operating income to assets | 0.1422% | 5,696 |
| Return on assets (ROA) | 0.1461% | 5,740 |
| Pretax return on assets | 0.1461% | 5,758 |
| Return on Equity (ROE) | 2.1832% | 5,528 |
| Retained earnings to average equity (ytd only) | 2.1832% | 4,479 |
| Net charge-offs to loans | 0.0438% | 3,338 |
| Credit loss provision to net charge-offs | 360.0000% | 825 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,636 |
| Efficiency ratio | 92.9577% | 532 |
| Assets per employee ($millions) | 3.5683% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 4,465 |
| Loan loss allowance to noncurrent loans | 107.0796% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 3,802 |
| Noncurrent loans to loans | 0.9577% | 2,414 |
| Net loans and leases to total assets | 46.7531% | 5,112 |
| Net loans and leases to deposits | 51.8193% | 5,295 |
| Net loans and leases to core deposits | 51.8193% | 5,418 |
| Total domestic deposits to total assets | 90.2234% | 535 |
| Equity capital to assets | 7.0662% | 6,045 |
| Core capital (leverage) ratio | 7.0720% | 6,038 |
| Tier 1 risk-based capital ratio | 14.5840% | 3,396 |
| Total risk-based capital ratio | 15.5748% | 3,447 |
| Memoranda: | ||
| Average total assets | $26,013,600 | 6,016 |
| Average earning assets | $24,378,400 | 5,991 |
| Average equity | $1,740,600 | 6,126 |
| Average total loans | $11,414,600 | 5,985 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0128% | 5,802 |
| Cost of funding earning assets | 0.2384% | 5,009 |
| Net interest margin | 2.7744% | 5,624 |
| Noninterest income to average assets | 0.2182% | 5,352 |
| Noninterest expense to average assets | 2.7100% | 3,525 |
| Loan and lease loss provision to assets | 0.0152% | 3,963 |
| Net operating income to assets | 0.0914% | 5,860 |
| Return on assets (ROA) | 0.0964% | 5,888 |
| Pretax return on assets | 0.0964% | 5,890 |
| Return on Equity (ROE) | 1.4604% | 5,785 |
| Retained earnings to average equity (ytd only) | 1.4604% | 5,132 |
| Net charge-offs to loans | 0.0353% | 3,204 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,967 |
| Efficiency ratio | 96.2162% | 411 |
| Assets per employee ($millions) | 3.7311% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 5,102 |
| Loan loss allowance to noncurrent loans | 65.8537% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 3,385 |
| Noncurrent loans to loans | 1.4035% | 1,811 |
| Net loans and leases to total assets | 44.3258% | 5,337 |
| Net loans and leases to deposits | 50.6453% | 5,439 |
| Net loans and leases to core deposits | 50.6453% | 5,556 |
| Total domestic deposits to total assets | 87.5220% | 1,797 |
| Equity capital to assets | 6.7463% | 6,168 |
| Core capital (leverage) ratio | 6.9571% | 6,136 |
| Tier 1 risk-based capital ratio | 14.5546% | 3,531 |
| Total risk-based capital ratio | 15.4462% | 3,670 |
| Memoranda: | ||
| Average total assets | $26,272,500 | 6,096 |
| Average earning assets | $24,605,500 | 6,070 |
| Average equity | $1,734,500 | 6,213 |
| Average total loans | $11,318,500 | 6,066 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9956% | 5,861 |
| Cost of funding earning assets | 0.2429% | 5,025 |
| Net interest margin | 2.7527% | 5,704 |
| Noninterest income to average assets | 0.3039% | 4,778 |
| Noninterest expense to average assets | 2.8187% | 3,166 |
| Loan and lease loss provision to assets | 0.0228% | 3,676 |
| Net operating income to assets | 0.0456% | 5,939 |
| Return on assets (ROA) | 0.0456% | 5,982 |
| Pretax return on assets | 0.0456% | 5,981 |
| Return on Equity (ROE) | 0.6955% | 5,938 |
| Retained earnings to average equity (ytd only) | 0.6955% | 5,280 |
| Net charge-offs to loans | 0.0715% | 2,367 |
| Credit loss provision to net charge-offs | 75.0000% | 2,399 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 3,380 |
| Efficiency ratio | 97.6316% | 387 |
| Assets per employee ($millions) | 3.7030% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 4,937 |
| Loan loss allowance to noncurrent loans | 49.0826% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 0.8410% | 2,875 |
| Noncurrent loans to loans | 2.0088% | 1,211 |
| Net loans and leases to total assets | 41.4529% | 5,536 |
| Net loans and leases to deposits | 45.8385% | 5,685 |
| Net loans and leases to core deposits | 45.8385% | 5,774 |
| Total domestic deposits to total assets | 90.4325% | 482 |
| Equity capital to assets | 6.7011% | 6,231 |
| Core capital (leverage) ratio | 6.9776% | 6,195 |
| Tier 1 risk-based capital ratio | 15.6133% | 3,048 |
| Total risk-based capital ratio | 16.5685% | 3,128 |
| Memoranda: | ||
| Average total assets | $26,324,000 | 6,164 |
| Average earning assets | $24,702,670 | 6,137 |
| Average equity | $1,725,330 | 6,289 |
| Average total loans | $11,196,330 | 6,138 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0190% | 5,876 |
| Cost of funding earning assets | 0.2396% | 5,133 |
| Net interest margin | 2.7794% | 5,686 |
| Noninterest income to average assets | 0.3167% | 4,655 |
| Noninterest expense to average assets | 3.0160% | 2,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0754% | 6,077 |
| Return on assets (ROA) | -0.0754% | 6,112 |
| Pretax return on assets | -0.0754% | 6,102 |
| Return on Equity (ROE) | -1.1631% | 6,134 |
| Retained earnings to average equity (ytd only) | -1.1631% | 5,577 |
| Net charge-offs to loans | -0.0352% | 5,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5641% | 302 |
| Assets per employee ($millions) | 3.7101% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 4,893 |
| Loan loss allowance to noncurrent loans | 109.0000% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 4,481 |
| Noncurrent loans to loans | 0.9412% | 2,895 |
| Net loans and leases to total assets | 40.4913% | 5,572 |
| Net loans and leases to deposits | 45.4903% | 5,679 |
| Net loans and leases to core deposits | 45.4903% | 5,779 |
| Total domestic deposits to total assets | 89.0108% | 1,263 |
| Equity capital to assets | 6.6651% | 6,291 |
| Core capital (leverage) ratio | 6.7190% | 6,265 |
| Tier 1 risk-based capital ratio | 16.0495% | 2,898 |
| Total risk-based capital ratio | 17.0561% | 2,951 |
| Memoranda: | ||
| Average total assets | $26,525,500 | 6,227 |
| Average earning assets | $25,041,500 | 6,195 |
| Average equity | $1,719,500 | 6,354 |
| Average total loans | $11,368,500 | 6,197 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1109% | 5,941 |
| Cost of funding earning assets | 0.2582% | 5,239 |
| Net interest margin | 2.8527% | 5,727 |
| Noninterest income to average assets | 0.3831% | 4,312 |
| Noninterest expense to average assets | 2.7990% | 3,488 |
| Loan and lease loss provision to assets | 0.0076% | 4,478 |
| Net operating income to assets | 0.2579% | 5,637 |
| Return on assets (ROA) | 0.2541% | 5,707 |
| Pretax return on assets | 0.2541% | 5,783 |
| Return on Equity (ROE) | 4.0700% | 5,081 |
| Retained earnings to average equity (ytd only) | 4.0700% | 3,310 |
| Net charge-offs to loans | -0.0452% | 5,896 |
| Credit loss provision to net charge-offs | -40.0000% | 5,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3366% | 757 |
| Assets per employee ($millions) | 3.8686% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 5,499 |
| Loan loss allowance to noncurrent loans | 97.2973% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 4,455 |
| Noncurrent loans to loans | 0.9164% | 3,023 |
| Net loans and leases to total assets | 44.3279% | 5,445 |
| Net loans and leases to deposits | 53.8489% | 5,342 |
| Net loans and leases to core deposits | 53.8489% | 5,509 |
| Total domestic deposits to total assets | 82.3191% | 4,306 |
| Equity capital to assets | 6.3072% | 6,393 |
| Core capital (leverage) ratio | 6.5746% | 6,359 |
| Tier 1 risk-based capital ratio | 13.8907% | 4,170 |
| Total risk-based capital ratio | 14.7514% | 4,353 |
| Memoranda: | ||
| Average total assets | $26,366,600 | 6,320 |
| Average earning assets | $24,783,600 | 6,280 |
| Average equity | $1,646,200 | 6,446 |
| Average total loans | $11,060,600 | 6,283 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0654% | 6,071 |
| Cost of funding earning assets | 0.2654% | 5,254 |
| Net interest margin | 2.8000% | 5,868 |
| Noninterest income to average assets | 0.3869% | 4,340 |
| Noninterest expense to average assets | 2.7645% | 3,592 |
| Loan and lease loss provision to assets | 0.0102% | 4,220 |
| Net operating income to assets | 0.2851% | 5,638 |
| Return on assets (ROA) | 0.2800% | 5,714 |
| Pretax return on assets | 0.2393% | 5,888 |
| Return on Equity (ROE) | 4.4967% | 4,967 |
| Retained earnings to average equity (ytd only) | 4.4967% | 3,454 |
| Net charge-offs to loans | -0.0494% | 5,902 |
| Credit loss provision to net charge-offs | -50.0000% | 5,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5683% | 735 |
| Assets per employee ($millions) | 3.9497% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 5,627 |
| Loan loss allowance to noncurrent loans | 29.8050% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 1.2985% | 2,381 |
| Noncurrent loans to loans | 2.9924% | 895 |
| Net loans and leases to total assets | 43.0049% | 5,596 |
| Net loans and leases to deposits | 50.7686% | 5,596 |
| Net loans and leases to core deposits | 50.7686% | 5,752 |
| Total domestic deposits to total assets | 84.7078% | 3,454 |
| Equity capital to assets | 6.0800% | 6,472 |
| Core capital (leverage) ratio | 6.6783% | 6,422 |
| Tier 1 risk-based capital ratio | 13.9899% | 4,225 |
| Total risk-based capital ratio | 14.8587% | 4,414 |
| Memoranda: | ||
| Average total assets | $26,188,250 | 6,399 |
| Average earning assets | $24,618,500 | 6,358 |
| Average equity | $1,630,750 | 6,524 |
| Average total loans | $10,797,750 | 6,366 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0618% | 6,114 |
| Cost of funding earning assets | 0.2716% | 5,271 |
| Net interest margin | 2.7902% | 5,930 |
| Noninterest income to average assets | 0.3891% | 4,324 |
| Noninterest expense to average assets | 2.8948% | 3,182 |
| Loan and lease loss provision to assets | 0.0156% | 3,953 |
| Net operating income to assets | 0.1790% | 5,898 |
| Return on assets (ROA) | 0.1790% | 5,943 |
| Pretax return on assets | 0.1167% | 6,069 |
| Return on Equity (ROE) | 2.8501% | 5,575 |
| Retained earnings to average equity (ytd only) | 2.8501% | 4,393 |
| Net charge-offs to loans | -0.0577% | 5,939 |
| Credit loss provision to net charge-offs | -66.6667% | 5,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6298% | 572 |
| Assets per employee ($millions) | 4.3637% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 5,283 |
| Loan loss allowance to noncurrent loans | 163.0769% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 5,349 |
| Noncurrent loans to loans | 0.6224% | 4,158 |
| Net loans and leases to total assets | 39.4851% | 5,862 |
| Net loans and leases to deposits | 43.1055% | 6,019 |
| Net loans and leases to core deposits | 43.1055% | 6,110 |
| Total domestic deposits to total assets | 91.6011% | 237 |
| Equity capital to assets | 6.3211% | 6,506 |
| Core capital (leverage) ratio | 6.6901% | 6,478 |
| Tier 1 risk-based capital ratio | 15.8230% | 3,183 |
| Total risk-based capital ratio | 16.8148% | 3,276 |
| Memoranda: | ||
| Average total assets | $25,701,670 | 6,471 |
| Average earning assets | $24,299,670 | 6,428 |
| Average equity | $1,614,000 | 6,591 |
| Average total loans | $10,398,000 | 6,441 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0599% | 6,171 |
| Cost of funding earning assets | 0.2812% | 5,267 |
| Net interest margin | 2.7788% | 5,978 |
| Noninterest income to average assets | 0.3927% | 4,250 |
| Noninterest expense to average assets | 3.2205% | 2,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0628% | 6,257 |
| Return on assets (ROA) | -0.0628% | 6,265 |
| Pretax return on assets | -0.1885% | 6,339 |
| Return on Equity (ROE) | -1.0041% | 6,298 |
| Retained earnings to average equity (ytd only) | -1.0041% | 5,725 |
| Net charge-offs to loans | -0.0771% | 6,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2176% | 330 |
| Assets per employee ($millions) | 4.2905% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 5,405 |
| Loan loss allowance to noncurrent loans | 194.3396% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 5,605 |
| Noncurrent loans to loans | 0.5296% | 4,584 |
| Net loans and leases to total assets | 38.4765% | 5,909 |
| Net loans and leases to deposits | 41.4314% | 6,108 |
| Net loans and leases to core deposits | 41.4314% | 6,180 |
| Total domestic deposits to total assets | 92.8680% | 130 |
| Equity capital to assets | 6.2231% | 6,549 |
| Core capital (leverage) ratio | 6.4380% | 6,543 |
| Tier 1 risk-based capital ratio | 16.2725% | 3,029 |
| Total risk-based capital ratio | 17.2791% | 3,110 |
| Memoranda: | ||
| Average total assets | $25,461,500 | 6,541 |
| Average earning assets | $24,183,500 | 6,493 |
| Average equity | $1,593,500 | 6,656 |
| Average total loans | $10,375,000 | 6,507 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9926% | 6,350 |
| Cost of funding earning assets | 0.3504% | 5,134 |
| Net interest margin | 2.6421% | 6,212 |
| Noninterest income to average assets | 0.3225% | 5,027 |
| Noninterest expense to average assets | 2.5050% | 4,751 |
| Loan and lease loss provision to assets | 0.0263% | 4,601 |
| Net operating income to assets | 0.3225% | 5,445 |
| Return on assets (ROA) | 0.3300% | 5,522 |
| Pretax return on assets | 0.3150% | 5,690 |
| Return on Equity (ROE) | 5.5584% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.5584% | 2,243 |
| Net charge-offs to loans | 0.0103% | 5,242 |
| Credit loss provision to net charge-offs | 700.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 505 |
| Efficiency ratio | 88.2431% | 1,189 |
| Assets per employee ($millions) | 4.1967% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 5,793 |
| Loan loss allowance to noncurrent loans | 190.5660% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 5,657 |
| Noncurrent loans to loans | 0.4934% | 4,763 |
| Net loans and leases to total assets | 42.2597% | 5,810 |
| Net loans and leases to deposits | 46.2190% | 5,994 |
| Net loans and leases to core deposits | 46.2190% | 6,126 |
| Total domestic deposits to total assets | 91.4337% | 424 |
| Equity capital to assets | 6.2947% | 6,589 |
| Core capital (leverage) ratio | 6.4511% | 6,601 |
| Tier 1 risk-based capital ratio | 15.2608% | 3,510 |
| Total risk-based capital ratio | 16.1848% | 3,654 |
| Memoranda: | ||
| Average total assets | $26,666,200 | 6,590 |
| Average earning assets | $25,396,000 | 6,540 |
| Average equity | $1,583,200 | 6,748 |
| Average total loans | $9,733,400 | 6,604 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9022% | 6,491 |
| Cost of funding earning assets | 0.3628% | 5,163 |
| Net interest margin | 2.5395% | 6,396 |
| Noninterest income to average assets | 0.3008% | 5,296 |
| Noninterest expense to average assets | 2.4459% | 4,885 |
| Loan and lease loss provision to assets | 0.0345% | 4,327 |
| Net operating income to assets | 0.2515% | 5,775 |
| Return on assets (ROA) | 0.2613% | 5,847 |
| Pretax return on assets | 0.2465% | 5,972 |
| Return on Equity (ROE) | 4.4644% | 4,993 |
| Retained earnings to average equity (ytd only) | 4.4644% | 3,492 |
| Net charge-offs to loans | -0.0140% | 5,962 |
| Credit loss provision to net charge-offs | -700.0000% | 6,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0181% | 990 |
| Assets per employee ($millions) | 4.5223% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 5,902 |
| Loan loss allowance to noncurrent loans | 180.7018% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 5,811 |
| Noncurrent loans to loans | 0.5287% | 4,872 |
| Net loans and leases to total assets | 39.3528% | 6,083 |
| Net loans and leases to deposits | 43.1993% | 6,253 |
| Net loans and leases to core deposits | 43.1993% | 6,339 |
| Total domestic deposits to total assets | 91.0960% | 491 |
| Equity capital to assets | 5.9225% | 6,707 |
| Core capital (leverage) ratio | 6.0247% | 6,716 |
| Tier 1 risk-based capital ratio | 14.7024% | 3,949 |
| Total risk-based capital ratio | 15.6355% | 4,115 |
| Memoranda: | ||
| Average total assets | $27,037,750 | 6,660 |
| Average earning assets | $25,726,750 | 6,612 |
| Average equity | $1,582,750 | 6,829 |
| Average total loans | $9,481,250 | 6,684 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7644% | 6,623 |
| Cost of funding earning assets | 0.3717% | 5,213 |
| Net interest margin | 2.3928% | 6,561 |
| Noninterest income to average assets | 0.2888% | 5,387 |
| Noninterest expense to average assets | 2.4513% | 4,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1259% | 6,069 |
| Return on assets (ROA) | 0.1481% | 6,135 |
| Pretax return on assets | 0.1481% | 6,161 |
| Return on Equity (ROE) | 2.5402% | 5,779 |
| Retained earnings to average equity (ytd only) | 2.5402% | 4,681 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1149% | 702 |
| Assets per employee ($millions) | 4.6748% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 5,891 |
| Loan loss allowance to noncurrent loans | 163.7931% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 5,876 |
| Noncurrent loans to loans | 0.5994% | 4,758 |
| Net loans and leases to total assets | 34.1616% | 6,404 |
| Net loans and leases to deposits | 36.6916% | 6,533 |
| Net loans and leases to core deposits | 36.6916% | 6,578 |
| Total domestic deposits to total assets | 93.1049% | 119 |
| Equity capital to assets | 5.6294% | 6,776 |
| Core capital (leverage) ratio | 5.9145% | 6,762 |
| Tier 1 risk-based capital ratio | 15.6743% | 3,382 |
| Total risk-based capital ratio | 16.6108% | 3,517 |
| Memoranda: | ||
| Average total assets | $27,005,670 | 6,709 |
| Average earning assets | $25,828,000 | 6,659 |
| Average equity | $1,574,670 | 6,876 |
| Average total loans | $9,048,000 | 6,738 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7480% | 6,712 |
| Cost of funding earning assets | 0.3971% | 5,132 |
| Net interest margin | 2.3509% | 6,641 |
| Noninterest income to average assets | 0.2719% | 5,509 |
| Noninterest expense to average assets | 2.6582% | 4,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1510% | 6,485 |
| Return on assets (ROA) | -0.1510% | 6,528 |
| Pretax return on assets | -0.1510% | 6,520 |
| Return on Equity (ROE) | -2.5437% | 6,587 |
| Retained earnings to average equity (ytd only) | -2.5437% | 6,144 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0241% | 395 |
| Assets per employee ($millions) | 4.5187% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 5,432 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 5,934 |
| Noncurrent loans to loans | 0.6861% | 4,756 |
| Net loans and leases to total assets | 30.2929% | 6,596 |
| Net loans and leases to deposits | 32.4907% | 6,677 |
| Net loans and leases to core deposits | 32.4907% | 6,708 |
| Total domestic deposits to total assets | 93.2355% | 110 |
| Equity capital to assets | 5.7687% | 6,842 |
| Core capital (leverage) ratio | 5.8903% | 6,815 |
| Tier 1 risk-based capital ratio | 17.0324% | 2,735 |
| Total risk-based capital ratio | 18.0697% | 2,815 |
| Memoranda: | ||
| Average total assets | $26,484,000 | 6,788 |
| Average earning assets | $25,181,500 | 6,740 |
| Average equity | $1,572,500 | 6,945 |
| Average total loans | $8,733,500 | 6,826 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4071% | 6,476 |
| Cost of funding earning assets | 0.5870% | 4,470 |
| Net interest margin | 2.8201% | 6,363 |
| Noninterest income to average assets | 0.2631% | 5,580 |
| Noninterest expense to average assets | 2.7780% | 4,116 |
| Loan and lease loss provision to assets | 0.1634% | 3,571 |
| Net operating income to assets | -0.1315% | 6,317 |
| Return on assets (ROA) | -0.1315% | 6,407 |
| Pretax return on assets | -0.1315% | 6,385 |
| Return on Equity (ROE) | -2.0558% | 6,457 |
| Retained earnings to average equity (ytd only) | -2.4296% | 6,216 |
| Net charge-offs to loans | 0.4427% | 2,461 |
| Credit loss provision to net charge-offs | 97.6190% | 3,178 |
| Earnings coverage of net charge-offs (x) | 0.1905% | 5,381 |
| Efficiency ratio | 98.8652% | 599 |
| Assets per employee ($millions) | 4.3093% | 3,335 |
| Cash dividends to net income (ytd only)* | -18.1818% | 7,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 5,823 |
| Loan loss allowance to noncurrent loans | 153.2258% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 5,952 |
| Noncurrent loans to loans | 0.6769% | 4,845 |
| Net loans and leases to total assets | 35.0557% | 6,489 |
| Net loans and leases to deposits | 37.6631% | 6,641 |
| Net loans and leases to core deposits | 37.6631% | 6,689 |
| Total domestic deposits to total assets | 93.0770% | 123 |
| Equity capital to assets | 6.1146% | 6,885 |
| Core capital (leverage) ratio | 5.9513% | 6,863 |
| Tier 1 risk-based capital ratio | 16.9620% | 2,675 |
| Total risk-based capital ratio | 17.9883% | 2,748 |
| Memoranda: | ||
| Average total assets | $25,089,600 | 6,872 |
| Average earning assets | $22,658,800 | 6,849 |
| Average equity | $1,605,200 | 7,014 |
| Average total loans | $9,487,600 | 6,866 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 6,537 |
| Cost of funding earning assets | 0.6018% | 4,628 |
| Net interest margin | 2.8764% | 6,399 |
| Noninterest income to average assets | 0.2624% | 5,684 |
| Noninterest expense to average assets | 2.8168% | 3,929 |
| Loan and lease loss provision to assets | 0.0482% | 5,170 |
| Net operating income to assets | -0.0429% | 6,331 |
| Return on assets (ROA) | -0.0429% | 6,452 |
| Pretax return on assets | -0.0429% | 6,437 |
| Return on Equity (ROE) | -0.6622% | 6,471 |
| Retained earnings to average equity (ytd only) | -0.6622% | 6,210 |
| Net charge-offs to loans | 0.1115% | 4,274 |
| Credit loss provision to net charge-offs | 112.5000% | 2,599 |
| Earnings coverage of net charge-offs (x) | 0.1246% | 5,272 |
| Efficiency ratio | 99.8102% | 541 |
| Assets per employee ($millions) | 4.4488% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 6,013 |
| Loan loss allowance to noncurrent loans | 110.2273% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 5,866 |
| Noncurrent loans to loans | 0.9238% | 4,585 |
| Net loans and leases to total assets | 35.3239% | 6,596 |
| Net loans and leases to deposits | 38.2515% | 6,745 |
| Net loans and leases to core deposits | 38.2515% | 6,803 |
| Total domestic deposits to total assets | 92.3463% | 166 |
| Equity capital to assets | 6.0465% | 6,983 |
| Core capital (leverage) ratio | 6.3945% | 6,903 |
| Tier 1 risk-based capital ratio | 16.2291% | 3,147 |
| Total risk-based capital ratio | 17.2124% | 3,255 |
| Memoranda: | ||
| Average total assets | $24,898,000 | 6,961 |
| Average earning assets | $22,156,750 | 6,949 |
| Average equity | $1,611,250 | 7,107 |
| Average total loans | $9,569,750 | 6,956 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5242% | 6,579 |
| Cost of funding earning assets | 0.6165% | 4,751 |
| Net interest margin | 2.9077% | 6,416 |
| Noninterest income to average assets | 0.2634% | 5,697 |
| Noninterest expense to average assets | 2.9383% | 3,482 |
| Loan and lease loss provision to assets | 0.0165% | 5,460 |
| Net operating income to assets | -0.0905% | 6,424 |
| Return on assets (ROA) | -0.0905% | 6,534 |
| Pretax return on assets | -0.0905% | 6,517 |
| Return on Equity (ROE) | -1.3662% | 6,570 |
| Retained earnings to average equity (ytd only) | -1.3662% | 6,264 |
| Net charge-offs to loans | 0.0417% | 4,795 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | -4.5000% | 5,444 |
| Efficiency ratio | 102.5862% | 472 |
| Assets per employee ($millions) | 4.2902% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 6,048 |
| Loan loss allowance to noncurrent loans | 174.5455% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 6,246 |
| Noncurrent loans to loans | 0.5886% | 5,335 |
| Net loans and leases to total assets | 35.9310% | 6,611 |
| Net loans and leases to deposits | 38.8369% | 6,770 |
| Net loans and leases to core deposits | 38.8369% | 6,838 |
| Total domestic deposits to total assets | 92.5178% | 159 |
| Equity capital to assets | 6.2391% | 7,011 |
| Core capital (leverage) ratio | 6.4704% | 6,938 |
| Tier 1 risk-based capital ratio | 16.4336% | 2,952 |
| Total risk-based capital ratio | 17.4208% | 3,041 |
| Memoranda: | ||
| Average total assets | $24,299,670 | 7,034 |
| Average earning assets | $21,735,330 | 7,017 |
| Average equity | $1,610,330 | 7,160 |
| Average total loans | $9,584,330 | 7,015 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6804% | 6,471 |
| Cost of funding earning assets | 0.6450% | 4,775 |
| Net interest margin | 3.0354% | 6,221 |
| Noninterest income to average assets | 0.2714% | 5,705 |
| Noninterest expense to average assets | 3.1384% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1527% | 6,584 |
| Return on assets (ROA) | -0.1527% | 6,650 |
| Pretax return on assets | -0.1527% | 6,635 |
| Return on Equity (ROE) | -2.2326% | 6,708 |
| Retained earnings to average equity (ytd only) | -2.2326% | 6,314 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1136% | 430 |
| Assets per employee ($millions) | 4.1052% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 5,994 |
| Loan loss allowance to noncurrent loans | 107.8652% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 5,978 |
| Noncurrent loans to loans | 0.9957% | 4,685 |
| Net loans and leases to total assets | 35.8979% | 6,628 |
| Net loans and leases to deposits | 39.0565% | 6,780 |
| Net loans and leases to core deposits | 39.0565% | 6,845 |
| Total domestic deposits to total assets | 91.9126% | 281 |
| Equity capital to assets | 6.4959% | 7,016 |
| Core capital (leverage) ratio | 6.7944% | 6,907 |
| Tier 1 risk-based capital ratio | 17.0549% | 2,666 |
| Total risk-based capital ratio | 18.0808% | 2,704 |
| Memoranda: | ||
| Average total assets | $23,579,000 | 7,110 |
| Average earning assets | $21,084,500 | 7,089 |
| Average equity | $1,612,500 | 7,216 |
| Average total loans | $9,704,000 | 7,077 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1068% | 6,273 |
| Cost of funding earning assets | 0.8467% | 4,490 |
| Net interest margin | 3.2601% | 5,930 |
| Noninterest income to average assets | 0.3668% | 4,881 |
| Noninterest expense to average assets | 2.8341% | 4,222 |
| Loan and lease loss provision to assets | 0.2445% | 3,766 |
| Net operating income to assets | 0.1790% | 5,647 |
| Return on assets (ROA) | 0.1790% | 5,787 |
| Pretax return on assets | 0.2140% | 5,747 |
| Return on Equity (ROE) | 2.5894% | 5,445 |
| Retained earnings to average equity (ytd only) | 1.7683% | 4,954 |
| Net charge-offs to loans | 0.7233% | 2,347 |
| Credit loss provision to net charge-offs | 77.7778% | 4,561 |
| Earnings coverage of net charge-offs (x) | 1.4583% | 4,676 |
| Efficiency ratio | 86.0743% | 1,557 |
| Assets per employee ($millions) | 3.7545% | 4,424 |
| Cash dividends to net income (ytd only)* | 31.7073% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 6,497 |
| Loan loss allowance to noncurrent loans | 457.1429% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 6,722 |
| Noncurrent loans to loans | 0.2006% | 6,347 |
| Net loans and leases to total assets | 46.0514% | 6,007 |
| Net loans and leases to deposits | 51.1236% | 6,280 |
| Net loans and leases to core deposits | 51.1236% | 6,472 |
| Total domestic deposits to total assets | 90.0786% | 954 |
| Equity capital to assets | 7.2136% | 6,900 |
| Core capital (leverage) ratio | 7.2266% | 6,777 |
| Tier 1 risk-based capital ratio | 15.6205% | 3,254 |
| Total risk-based capital ratio | 16.5490% | 3,408 |
| Memoranda: | ||
| Average total assets | $22,899,600 | 7,147 |
| Average earning assets | $20,551,400 | 7,133 |
| Average equity | $1,583,400 | 7,277 |
| Average total loans | $9,954,600 | 7,117 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 6,385 |
| Cost of funding earning assets | 0.8809% | 4,542 |
| Net interest margin | 3.2321% | 6,070 |
| Noninterest income to average assets | 0.3885% | 4,748 |
| Noninterest expense to average assets | 2.8008% | 4,341 |
| Loan and lease loss provision to assets | 0.3247% | 2,937 |
| Net operating income to assets | 0.0928% | 5,978 |
| Return on assets (ROA) | 0.0928% | 6,096 |
| Pretax return on assets | 0.1566% | 5,986 |
| Return on Equity (ROE) | 1.3560% | 5,982 |
| Retained earnings to average equity (ytd only) | 1.3560% | 5,460 |
| Net charge-offs to loans | 0.9227% | 1,737 |
| Credit loss provision to net charge-offs | 82.3529% | 4,059 |
| Earnings coverage of net charge-offs (x) | 1.2206% | 4,706 |
| Efficiency ratio | 85.3357% | 1,596 |
| Assets per employee ($millions) | 3.8952% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 6,311 |
| Loan loss allowance to noncurrent loans | 454.5455% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 6,822 |
| Noncurrent loans to loans | 0.2184% | 6,441 |
| Net loans and leases to total assets | 42.6768% | 6,447 |
| Net loans and leases to deposits | 47.4952% | 6,652 |
| Net loans and leases to core deposits | 47.4952% | 6,782 |
| Total domestic deposits to total assets | 89.8549% | 948 |
| Equity capital to assets | 6.8932% | 7,069 |
| Core capital (leverage) ratio | 7.1206% | 6,920 |
| Tier 1 risk-based capital ratio | 15.3390% | 3,467 |
| Total risk-based capital ratio | 16.2964% | 3,607 |
| Memoranda: | ||
| Average total assets | $22,992,750 | 7,219 |
| Average earning assets | $20,584,500 | 7,208 |
| Average equity | $1,573,000 | 7,351 |
| Average total loans | $9,825,750 | 7,195 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0418% | 6,592 |
| Cost of funding earning assets | 0.8865% | 4,781 |
| Net interest margin | 3.1552% | 6,274 |
| Noninterest income to average assets | 0.4023% | 4,663 |
| Noninterest expense to average assets | 2.7376% | 4,666 |
| Loan and lease loss provision to assets | 0.0875% | 5,216 |
| Net operating income to assets | 0.3761% | 5,048 |
| Return on assets (ROA) | 0.3761% | 5,192 |
| Pretax return on assets | 0.4723% | 5,167 |
| Return on Equity (ROE) | 5.5117% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.5117% | 2,688 |
| Net charge-offs to loans | 1.1085% | 1,420 |
| Credit loss provision to net charge-offs | 18.5185% | 5,150 |
| Earnings coverage of net charge-offs (x) | 1.1852% | 4,394 |
| Efficiency ratio | 83.0239% | 1,952 |
| Assets per employee ($millions) | 3.9277% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7100% | 7,005 |
| Loan loss allowance to noncurrent loans | 242.8571% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 6,797 |
| Noncurrent loans to loans | 0.2924% | 6,331 |
| Net loans and leases to total assets | 40.3505% | 6,718 |
| Net loans and leases to deposits | 44.3455% | 6,911 |
| Net loans and leases to core deposits | 44.3455% | 6,996 |
| Total domestic deposits to total assets | 90.9913% | 504 |
| Equity capital to assets | 6.9252% | 7,118 |
| Core capital (leverage) ratio | 7.0788% | 6,962 |
| Tier 1 risk-based capital ratio | 16.4124% | 2,785 |
| Total risk-based capital ratio | 17.0950% | 3,033 |
| Memoranda: | ||
| Average total assets | $22,866,670 | 7,291 |
| Average earning assets | $20,981,000 | 7,273 |
| Average equity | $1,560,330 | 7,422 |
| Average total loans | $9,743,000 | 7,265 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 6,601 |
| Cost of funding earning assets | 0.9348% | 4,690 |
| Net interest margin | 3.1159% | 6,304 |
| Noninterest income to average assets | 0.3198% | 5,363 |
| Noninterest expense to average assets | 2.7179% | 4,762 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4441% | 4,749 |
| Return on assets (ROA) | 0.4441% | 4,830 |
| Pretax return on assets | 0.4441% | 5,208 |
| Return on Equity (ROE) | 6.5595% | 3,598 |
| Retained earnings to average equity (ytd only) | 6.5595% | 2,342 |
| Net charge-offs to loans | 0.2850% | 2,922 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 2,701 |
| Efficiency ratio | 85.9551% | 1,719 |
| Assets per employee ($millions) | 3.8030% | 4,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 5,770 |
| Loan loss allowance to noncurrent loans | 583.3333% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 6,966 |
| Noncurrent loans to loans | 0.2006% | 6,570 |
| Net loans and leases to total assets | 38.8728% | 6,851 |
| Net loans and leases to deposits | 41.9187% | 7,026 |
| Net loans and leases to core deposits | 41.9187% | 7,114 |
| Total domestic deposits to total assets | 92.7338% | 159 |
| Equity capital to assets | 6.7315% | 7,155 |
| Core capital (leverage) ratio | 6.9044% | 7,043 |
| Tier 1 risk-based capital ratio | 16.9795% | 2,484 |
| Total risk-based capital ratio | 18.0931% | 2,500 |
| Memoranda: | ||
| Average total assets | $22,517,000 | 7,348 |
| Average earning assets | $20,540,000 | 7,331 |
| Average equity | $1,524,500 | 7,483 |
| Average total loans | $9,826,000 | 7,321 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5345% | 6,303 |
| Cost of funding earning assets | 1.1336% | 4,944 |
| Net interest margin | 3.4009% | 5,630 |
| Noninterest income to average assets | 0.3887% | 4,987 |
| Noninterest expense to average assets | 2.8017% | 4,604 |
| Loan and lease loss provision to assets | 0.0569% | 6,569 |
| Net operating income to assets | 0.4646% | 4,249 |
| Return on assets (ROA) | 0.4646% | 4,417 |
| Pretax return on assets | 0.6163% | 4,271 |
| Return on Equity (ROE) | 6.4288% | 3,385 |
| Retained earnings to average equity (ytd only) | 5.5760% | 2,075 |
| Net charge-offs to loans | 0.1943% | 5,132 |
| Credit loss provision to net charge-offs | 63.1579% | 6,028 |
| Earnings coverage of net charge-offs (x) | 7.4737% | 2,123 |
| Efficiency ratio | 80.6276% | 2,330 |
| Assets per employee ($millions) | 3.7027% | 4,454 |
| Cash dividends to net income (ytd only)* | 13.2653% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 6,156 |
| Loan loss allowance to noncurrent loans | 589.4737% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 7,023 |
| Noncurrent loans to loans | 0.1780% | 6,711 |
| Net loans and leases to total assets | 47.5558% | 6,434 |
| Net loans and leases to deposits | 52.8488% | 6,683 |
| Net loans and leases to core deposits | 52.8488% | 6,863 |
| Total domestic deposits to total assets | 89.9847% | 1,110 |
| Equity capital to assets | 6.8104% | 7,170 |
| Core capital (leverage) ratio | 7.3535% | 6,815 |
| Tier 1 risk-based capital ratio | 14.6863% | 3,431 |
| Total risk-based capital ratio | 15.7367% | 3,509 |
| Memoranda: | ||
| Average total assets | $21,094,400 | 7,438 |
| Average earning assets | $19,142,000 | 7,423 |
| Average equity | $1,524,400 | 7,586 |
| Average total loans | $9,777,600 | 7,405 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5761% | 6,405 |
| Cost of funding earning assets | 1.1757% | 5,003 |
| Net interest margin | 3.4003% | 5,683 |
| Noninterest income to average assets | 0.3907% | 5,034 |
| Noninterest expense to average assets | 2.9082% | 4,058 |
| Loan and lease loss provision to assets | 0.0769% | 6,276 |
| Net operating income to assets | 0.3715% | 4,878 |
| Return on assets (ROA) | 0.3715% | 5,062 |
| Pretax return on assets | 0.4997% | 4,927 |
| Return on Equity (ROE) | 5.0633% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.0633% | 2,942 |
| Net charge-offs to loans | 0.2792% | 4,272 |
| Credit loss provision to net charge-offs | 60.0000% | 5,688 |
| Earnings coverage of net charge-offs (x) | 4.4994% | 3,027 |
| Efficiency ratio | 83.4559% | 1,896 |
| Assets per employee ($millions) | 3.4608% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 6,075 |
| Loan loss allowance to noncurrent loans | 482.6087% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 7,080 |
| Noncurrent loans to loans | 0.2216% | 6,735 |
| Net loans and leases to total assets | 49.4390% | 6,382 |
| Net loans and leases to deposits | 55.3722% | 6,660 |
| Net loans and leases to core deposits | 55.3722% | 6,894 |
| Total domestic deposits to total assets | 89.2849% | 1,235 |
| Equity capital to assets | 7.5512% | 7,095 |
| Core capital (leverage) ratio | 7.4236% | 6,908 |
| Tier 1 risk-based capital ratio | 15.4452% | 3,030 |
| Total risk-based capital ratio | 16.5520% | 3,060 |
| Memoranda: | ||
| Average total assets | $20,814,000 | 7,540 |
| Average earning assets | $18,938,750 | 7,523 |
| Average equity | $1,527,250 | 7,685 |
| Average total loans | $9,552,750 | 7,507 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 6,348 |
| Cost of funding earning assets | 1.2146% | 5,044 |
| Net interest margin | 3.4221% | 5,552 |
| Noninterest income to average assets | 0.2976% | 5,765 |
| Noninterest expense to average assets | 2.7940% | 4,509 |
| Loan and lease loss provision to assets | 0.0864% | 6,060 |
| Net operating income to assets | 0.4321% | 4,614 |
| Return on assets (ROA) | 0.4321% | 4,773 |
| Pretax return on assets | 0.5281% | 4,821 |
| Return on Equity (ROE) | 5.9458% | 3,826 |
| Retained earnings to average equity (ytd only) | 5.9458% | 2,357 |
| Net charge-offs to loans | 0.3880% | 3,425 |
| Credit loss provision to net charge-offs | 50.0000% | 5,413 |
| Earnings coverage of net charge-offs (x) | 3.5556% | 3,272 |
| Efficiency ratio | 81.9718% | 2,171 |
| Assets per employee ($millions) | 3.5732% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 5,753 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 7,263 |
| Noncurrent loans to loans | 0.1138% | 7,040 |
| Net loans and leases to total assets | 44.5730% | 6,883 |
| Net loans and leases to deposits | 48.1629% | 7,156 |
| Net loans and leases to core deposits | 48.1629% | 7,279 |
| Total domestic deposits to total assets | 92.5463% | 146 |
| Equity capital to assets | 7.2345% | 7,257 |
| Core capital (leverage) ratio | 7.1769% | 7,083 |
| Tier 1 risk-based capital ratio | 16.0472% | 2,651 |
| Total risk-based capital ratio | 17.1957% | 2,660 |
| Memoranda: | ||
| Average total assets | $20,830,330 | 7,606 |
| Average earning assets | $18,935,670 | 7,586 |
| Average equity | $1,513,670 | 7,754 |
| Average total loans | $9,278,000 | 7,580 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4527% | 6,890 |
| Cost of funding earning assets | 1.2451% | 5,144 |
| Net interest margin | 3.2076% | 6,272 |
| Noninterest income to average assets | 0.4287% | 4,674 |
| Noninterest expense to average assets | 3.0595% | 3,439 |
| Loan and lease loss provision to assets | 0.1364% | 5,200 |
| Net operating income to assets | 0.1949% | 5,707 |
| Return on assets (ROA) | 0.1949% | 5,827 |
| Pretax return on assets | 0.1949% | 5,888 |
| Return on Equity (ROE) | 2.6756% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.6756% | 4,543 |
| Net charge-offs to loans | 0.7926% | 1,938 |
| Credit loss provision to net charge-offs | 38.8889% | 4,661 |
| Earnings coverage of net charge-offs (x) | 0.9444% | 4,202 |
| Efficiency ratio | 90.2299% | 1,417 |
| Assets per employee ($millions) | 3.4345% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 5,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 43.7133% | 7,015 |
| Net loans and leases to deposits | 47.1944% | 7,268 |
| Net loans and leases to core deposits | 47.1944% | 7,390 |
| Total domestic deposits to total assets | 92.6239% | 154 |
| Equity capital to assets | 7.2742% | 7,228 |
| Core capital (leverage) ratio | 7.0574% | 7,214 |
| Tier 1 risk-based capital ratio | 16.8911% | 2,303 |
| Total risk-based capital ratio | 18.1033% | 2,274 |
| Memoranda: | ||
| Average total assets | $20,526,000 | 7,710 |
| Average earning assets | $18,955,000 | 7,681 |
| Average equity | $1,495,000 | 7,843 |
| Average total loans | $9,084,000 | 7,684 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 7,018 |
| Cost of funding earning assets | 1.6190% | 4,944 |
| Net interest margin | 3.1452% | 6,241 |
| Noninterest income to average assets | 0.2932% | 6,018 |
| Noninterest expense to average assets | 2.8590% | 4,703 |
| Loan and lease loss provision to assets | 0.0524% | 7,041 |
| Net operating income to assets | 0.1833% | 4,953 |
| Return on assets (ROA) | 0.1833% | 5,021 |
| Pretax return on assets | 0.2199% | 4,961 |
| Return on Equity (ROE) | 2.3816% | 4,753 |
| Retained earnings to average equity (ytd only) | 1.4970% | 4,021 |
| Net charge-offs to loans | -0.0230% | 7,798 |
| Credit loss provision to net charge-offs | -500.0000% | 7,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3043% | 1,614 |
| Assets per employee ($millions) | 3.4075% | 5,238 |
| Cash dividends to net income (ytd only)* | 37.1429% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 4,675 |
| Loan loss allowance to noncurrent loans | 114.4231% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 6,182 |
| Noncurrent loans to loans | 1.1489% | 5,035 |
| Net loans and leases to total assets | 43.6928% | 7,136 |
| Net loans and leases to deposits | 47.1872% | 7,386 |
| Net loans and leases to core deposits | 49.5480% | 7,596 |
| Total domestic deposits to total assets | 92.5948% | 166 |
| Equity capital to assets | 7.2927% | 7,207 |
| Core capital (leverage) ratio | 7.4078% | 6,877 |
| Tier 1 risk-based capital ratio | 16.7190% | 2,230 |
| Total risk-based capital ratio | 17.9740% | 2,195 |
| Memoranda: | ||
| Average total assets | $19,097,600 | 7,801 |
| Average earning assets | $17,232,600 | 7,783 |
| Average equity | $1,469,600 | 7,934 |
| Average total loans | $8,709,800 | 7,756 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 7,119 |
| Cost of funding earning assets | 1.7170% | 4,817 |
| Net interest margin | 3.0858% | 6,350 |
| Noninterest income to average assets | 0.3340% | 5,816 |
| Noninterest expense to average assets | 3.0630% | 3,791 |
| Loan and lease loss provision to assets | 0.0569% | 6,800 |
| Net operating income to assets | -0.0497% | 5,801 |
| Return on assets (ROA) | -0.0497% | 5,851 |
| Pretax return on assets | -0.0142% | 5,729 |
| Return on Equity (ROE) | -0.6372% | 5,874 |
| Retained earnings to average equity (ytd only) | -0.6372% | 5,389 |
| Net charge-offs to loans | -0.0154% | 7,733 |
| Credit loss provision to net charge-offs | -800.0000% | 7,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6270% | 1,130 |
| Assets per employee ($millions) | 3.3815% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 4,276 |
| Loan loss allowance to noncurrent loans | 828.5714% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 7,388 |
| Noncurrent loans to loans | 0.1614% | 7,081 |
| Net loans and leases to total assets | 42.1854% | 7,352 |
| Net loans and leases to deposits | 45.6529% | 7,577 |
| Net loans and leases to core deposits | 47.5817% | 7,741 |
| Total domestic deposits to total assets | 92.4048% | 129 |
| Equity capital to assets | 7.2699% | 7,443 |
| Core capital (leverage) ratio | 7.5936% | 6,869 |
| Tier 1 risk-based capital ratio | 16.9213% | 2,300 |
| Total risk-based capital ratio | 18.1713% | 2,249 |
| Memoranda: | ||
| Average total assets | $18,760,750 | 7,888 |
| Average earning assets | $16,851,250 | 7,877 |
| Average equity | $1,464,250 | 8,018 |
| Average total loans | $8,624,250 | 7,837 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8323% | 7,169 |
| Cost of funding earning assets | 1.7759% | 4,879 |
| Net interest margin | 3.0564% | 6,376 |
| Noninterest income to average assets | 0.3287% | 5,884 |
| Noninterest expense to average assets | 3.2874% | 3,012 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.1863% | 6,164 |
| Return on assets (ROA) | -0.1863% | 6,190 |
| Pretax return on assets | -0.1863% | 6,106 |
| Return on Equity (ROE) | -2.3277% | 6,273 |
| Retained earnings to average equity (ytd only) | -2.3277% | 5,817 |
| Net charge-offs to loans | -0.0232% | 7,725 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0071% | 970 |
| Assets per employee ($millions) | 3.2697% | 5,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 4,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 42.5833% | 7,413 |
| Net loans and leases to deposits | 46.0961% | 7,630 |
| Net loans and leases to core deposits | 47.7918% | 7,801 |
| Total domestic deposits to total assets | 92.3794% | 157 |
| Equity capital to assets | 7.4269% | 7,329 |
| Core capital (leverage) ratio | 7.8815% | 6,517 |
| Tier 1 risk-based capital ratio | 17.3726% | 2,186 |
| Total risk-based capital ratio | 18.6289% | 2,132 |
| Memoranda: | ||
| Average total assets | $18,251,330 | 7,984 |
| Average earning assets | $16,555,330 | 7,961 |
| Average equity | $1,460,670 | 8,102 |
| Average total loans | $8,607,330 | 7,924 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1423% | 6,516 |
| Cost of funding earning assets | 1.9188% | 4,539 |
| Net interest margin | 3.2235% | 5,784 |
| Noninterest income to average assets | 0.3415% | 5,723 |
| Noninterest expense to average assets | 3.6430% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.4326% | 6,814 |
| Return on assets (ROA) | -0.4326% | 6,881 |
| Pretax return on assets | -0.4326% | 6,768 |
| Return on Equity (ROE) | -5.1966% | 6,991 |
| Retained earnings to average equity (ytd only) | -5.1966% | 6,578 |
| Net charge-offs to loans | -0.0461% | 7,671 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.4752% | 743 |
| Assets per employee ($millions) | 3.0107% | 6,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 4,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 46.4736% | 7,157 |
| Net loans and leases to deposits | 50.6486% | 7,468 |
| Net loans and leases to core deposits | 52.6894% | 7,709 |
| Total domestic deposits to total assets | 91.7571% | 218 |
| Equity capital to assets | 8.0492% | 6,742 |
| Core capital (leverage) ratio | 8.2359% | 6,020 |
| Tier 1 risk-based capital ratio | 17.6792% | 2,132 |
| Total risk-based capital ratio | 18.9281% | 2,078 |
| Memoranda: | ||
| Average total assets | $17,568,000 | 8,047 |
| Average earning assets | $15,635,000 | 8,035 |
| Average equity | $1,462,500 | 8,158 |
| Average total loans | $8,680,000 | 7,969 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7853% | 6,484 |
| Cost of funding earning assets | 2.4267% | 4,595 |
| Net interest margin | 3.3586% | 5,829 |
| Noninterest income to average assets | 0.4346% | 5,175 |
| Noninterest expense to average assets | 2.9305% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4346% | 5,014 |
| Return on assets (ROA) | 0.4346% | 4,837 |
| Pretax return on assets | 0.5520% | 4,847 |
| Return on Equity (ROE) | 5.1468% | 4,312 |
| Retained earnings to average equity (ytd only) | 4.2426% | 2,481 |
| Net charge-offs to loans | 0.0494% | 6,086 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,423 |
| Efficiency ratio | 84.1484% | 2,040 |
| Assets per employee ($millions) | 2.8453% | 6,462 |
| Cash dividends to net income (ytd only)* | 17.5676% | 4,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 4,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 51.2535% | 6,909 |
| Net loans and leases to deposits | 56.3027% | 7,299 |
| Net loans and leases to core deposits | 57.8283% | 7,674 |
| Total domestic deposits to total assets | 91.0321% | 319 |
| Equity capital to assets | 8.6164% | 5,905 |
| Core capital (leverage) ratio | 8.6310% | 5,320 |
| Tier 1 risk-based capital ratio | 17.1612% | 2,260 |
| Total risk-based capital ratio | 18.4112% | 2,215 |
| Memoranda: | ||
| Average total assets | $17,027,600 | 8,101 |
| Average earning assets | $15,453,000 | 8,093 |
| Average equity | $1,437,800 | 8,228 |
| Average total loans | $8,098,400 | 8,031 |