Home > Fairview State Banking Company > Performance and Condition Ratios
Fairview State Banking Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0347% | 2,006 |
| Cost of funding earning assets | 0.8687% | 3,587 |
| Net interest margin | 4.1660% | 982 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.3750% | 2,652 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.0257% | 2,131 |
| Return on assets (ROA) | 1.0257% | 2,114 |
| Pretax return on assets | 1.3027% | 1,867 |
| Return on Equity (ROE) | 8.7500% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.0498% | 1,520 |
| Net charge-offs to loans | 0.0132% | 2,159 |
| Credit loss provision to net charge-offs | 1,133.3333% | 372 |
| Earnings coverage of net charge-offs (x) | 169.6667% | 655 |
| Efficiency ratio | 62.9818% | 2,727 |
| Assets per employee ($millions) | 6.0942% | 2,740 |
| Cash dividends to net income (ytd only)* | 8.0214% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 3,291 |
| Loan loss allowance to noncurrent loans | 118.3673% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 1,041 |
| Noncurrent loans to loans | 0.8468% | 906 |
| Net loans and leases to total assets | 62.6700% | 2,611 |
| Net loans and leases to deposits | 72.3144% | 2,737 |
| Net loans and leases to core deposits | 76.2892% | 2,958 |
| Total domestic deposits to total assets | 86.6600% | 1,800 |
| Equity capital to assets | 12.3451% | 1,022 |
| Core capital (leverage) ratio | 13.4854% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $36,462,400 | 4,421 |
| Average earning assets | $31,541,000 | 4,406 |
| Average equity | $4,273,400 | 4,331 |
| Average total loans | $22,707,400 | 4,255 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9775% | 1,876 |
| Cost of funding earning assets | 0.8260% | 3,461 |
| Net interest margin | 4.1514% | 987 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.2577% | 2,924 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.0904% | 2,086 |
| Return on assets (ROA) | 1.0904% | 2,069 |
| Pretax return on assets | 1.3320% | 1,944 |
| Return on Equity (ROE) | 9.4300% | 2,818 |
| Retained earnings to average equity (ytd only) | 8.9556% | 1,701 |
| Net charge-offs to loans | 0.0236% | 1,612 |
| Credit loss provision to net charge-offs | 850.0000% | 444 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 917 |
| Efficiency ratio | 60.7882% | 2,876 |
| Assets per employee ($millions) | 7.1312% | 1,862 |
| Cash dividends to net income (ytd only)* | 5.0336% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,326 |
| Loan loss allowance to noncurrent loans | 105.4795% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 955 |
| Noncurrent loans to loans | 0.9542% | 862 |
| Net loans and leases to total assets | 63.7200% | 2,474 |
| Net loans and leases to deposits | 73.8006% | 2,585 |
| Net loans and leases to core deposits | 77.1354% | 2,789 |
| Total domestic deposits to total assets | 86.3400% | 2,089 |
| Equity capital to assets | 11.8325% | 1,083 |
| Core capital (leverage) ratio | 14.2881% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $36,436,750 | 4,437 |
| Average earning assets | $31,313,750 | 4,432 |
| Average equity | $4,213,250 | 4,346 |
| Average total loans | $22,597,500 | 4,276 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9144% | 1,731 |
| Cost of funding earning assets | 0.7527% | 3,342 |
| Net interest margin | 4.1617% | 979 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.1800% | 3,132 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.1500% | 1,968 |
| Return on assets (ROA) | 1.1500% | 1,965 |
| Pretax return on assets | 1.4225% | 1,757 |
| Return on Equity (ROE) | 10.0200% | 2,692 |
| Retained earnings to average equity (ytd only) | 9.3082% | 1,602 |
| Net charge-offs to loans | 0.0089% | 1,869 |
| Credit loss provision to net charge-offs | 2,600.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 287.0000% | 465 |
| Efficiency ratio | 58.2242% | 3,167 |
| Assets per employee ($millions) | 5.3080% | 3,322 |
| Cash dividends to net income (ytd only)* | 7.1090% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,208 |
| Loan loss allowance to noncurrent loans | 99.1228% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6136% | 874 |
| Noncurrent loans to loans | 1.0575% | 691 |
| Net loans and leases to total assets | 57.4200% | 3,013 |
| Net loans and leases to deposits | 65.4990% | 3,090 |
| Net loans and leases to core deposits | 68.8270% | 3,196 |
| Total domestic deposits to total assets | 87.6700% | 1,720 |
| Equity capital to assets | 11.5405% | 1,193 |
| Core capital (leverage) ratio | 13.0022% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $36,697,000 | 4,458 |
| Average earning assets | $31,621,333 | 4,458 |
| Average equity | $4,211,333 | 4,372 |
| Average total loans | $22,479,333 | 4,296 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8008% | 1,613 |
| Cost of funding earning assets | 0.6716% | 3,149 |
| Net interest margin | 4.1292% | 1,056 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.0731% | 3,442 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.4150% | 1,368 |
| Return on assets (ROA) | 1.4150% | 1,339 |
| Pretax return on assets | 1.7221% | 1,231 |
| Return on Equity (ROE) | 12.3700% | 2,124 |
| Retained earnings to average equity (ytd only) | 12.3652% | 1,201 |
| Net charge-offs to loans | 0.0523% | 841 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 53.3333% | 1,079 |
| Efficiency ratio | 54.1547% | 3,587 |
| Assets per employee ($millions) | 6.0213% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 3,820 |
| Loan loss allowance to noncurrent loans | 86.2661% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 778 |
| Noncurrent loans to loans | 1.0595% | 683 |
| Net loans and leases to total assets | 60.3200% | 2,617 |
| Net loans and leases to deposits | 69.0244% | 2,688 |
| Net loans and leases to core deposits | 72.0411% | 2,812 |
| Total domestic deposits to total assets | 87.3800% | 2,142 |
| Equity capital to assets | 11.8052% | 1,059 |
| Core capital (leverage) ratio | 13.2255% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $36,467,500 | 4,529 |
| Average earning assets | $32,161,500 | 4,520 |
| Average equity | $4,173,000 | 4,437 |
| Average total loans | $22,938,500 | 4,350 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 1,550 |
| Cost of funding earning assets | 0.3333% | 2,605 |
| Net interest margin | 3.7322% | 1,299 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.4378% | 2,309 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8080% | 3,299 |
| Return on assets (ROA) | 0.8080% | 3,226 |
| Pretax return on assets | 0.9762% | 3,143 |
| Return on Equity (ROE) | 7.2200% | 3,584 |
| Retained earnings to average equity (ytd only) | 6.4766% | 2,464 |
| Net charge-offs to loans | 0.0129% | 1,902 |
| Credit loss provision to net charge-offs | 66.6667% | 1,741 |
| Earnings coverage of net charge-offs (x) | 118.6667% | 892 |
| Efficiency ratio | 71.2903% | 1,527 |
| Assets per employee ($millions) | 6.1318% | 2,648 |
| Cash dividends to net income (ytd only)* | 10.2389% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7955% | 4,039 |
| Loan loss allowance to noncurrent loans | 15.1757% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 3.4030% | 35 |
| Noncurrent loans to loans | 5.2418% | 49 |
| Net loans and leases to total assets | 64.4000% | 2,207 |
| Net loans and leases to deposits | 74.2511% | 2,237 |
| Net loans and leases to core deposits | 77.4549% | 2,319 |
| Total domestic deposits to total assets | 86.7400% | 2,478 |
| Equity capital to assets | 11.0924% | 1,222 |
| Core capital (leverage) ratio | 12.8165% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $36,261,600 | 4,564 |
| Average earning assets | $31,804,200 | 4,556 |
| Average equity | $4,060,800 | 4,526 |
| Average total loans | $23,286,200 | 4,354 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 1,319 |
| Cost of funding earning assets | 0.2960% | 2,216 |
| Net interest margin | 3.6786% | 1,190 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.4172% | 2,267 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7934% | 3,291 |
| Return on assets (ROA) | 0.7934% | 3,241 |
| Pretax return on assets | 0.9374% | 3,210 |
| Return on Equity (ROE) | 7.0700% | 3,577 |
| Retained earnings to average equity (ytd only) | 6.5749% | 2,532 |
| Net charge-offs to loans | 0.0115% | 1,687 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 817 |
| Efficiency ratio | 71.8990% | 1,527 |
| Assets per employee ($millions) | 7.1384% | 1,848 |
| Cash dividends to net income (ytd only)* | 6.9767% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8313% | 4,018 |
| Loan loss allowance to noncurrent loans | 16.2002% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 3.3033% | 39 |
| Noncurrent loans to loans | 5.1314% | 58 |
| Net loans and leases to total assets | 63.8400% | 2,105 |
| Net loans and leases to deposits | 73.3911% | 2,101 |
| Net loans and leases to core deposits | 76.6449% | 2,151 |
| Total domestic deposits to total assets | 86.9800% | 2,768 |
| Equity capital to assets | 10.8400% | 1,233 |
| Core capital (leverage) ratio | 12.5515% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $36,129,250 | 4,600 |
| Average earning assets | $31,532,750 | 4,592 |
| Average equity | $4,055,750 | 4,571 |
| Average total loans | $23,136,500 | 4,390 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7972% | 1,324 |
| Cost of funding earning assets | 0.2677% | 2,055 |
| Net interest margin | 3.5296% | 1,235 |
| Noninterest income to average assets | 0.1764% | 4,121 |
| Noninterest expense to average assets | 2.4204% | 2,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7388% | 3,184 |
| Return on assets (ROA) | 0.7388% | 3,139 |
| Pretax return on assets | 0.8822% | 3,112 |
| Return on Equity (ROE) | 6.5080% | 3,447 |
| Retained earnings to average equity (ytd only) | 5.7795% | 2,407 |
| Net charge-offs to loans | -0.0172% | 3,808 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2888% | 1,589 |
| Assets per employee ($millions) | 5.9162% | 2,821 |
| Cash dividends to net income (ytd only)* | 11.1940% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 4,150 |
| Loan loss allowance to noncurrent loans | 16.1506% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 3.3665% | 42 |
| Noncurrent loans to loans | 5.0475% | 59 |
| Net loans and leases to total assets | 66.1521% | 1,672 |
| Net loans and leases to deposits | 76.3196% | 1,665 |
| Net loans and leases to core deposits | 81.1095% | 1,652 |
| Total domestic deposits to total assets | 86.6777% | 3,046 |
| Equity capital to assets | 11.2066% | 1,131 |
| Core capital (leverage) ratio | 12.7972% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,275,000 | 4,637 |
| Average earning assets | $32,128,667 | 4,641 |
| Average equity | $4,118,000 | 4,609 |
| Average total loans | $23,190,000 | 4,447 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6678% | 1,349 |
| Cost of funding earning assets | 0.2559% | 2,089 |
| Net interest margin | 3.4119% | 1,277 |
| Noninterest income to average assets | 0.1855% | 4,046 |
| Noninterest expense to average assets | 2.2256% | 2,758 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8401% | 2,523 |
| Return on assets (ROA) | 0.8401% | 2,515 |
| Pretax return on assets | 1.0146% | 2,391 |
| Return on Equity (ROE) | 7.3543% | 2,926 |
| Retained earnings to average equity (ytd only) | 7.3543% | 1,783 |
| Net charge-offs to loans | -0.0174% | 3,843 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6869% | 2,421 |
| Assets per employee ($millions) | 5.9300% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 4,157 |
| Loan loss allowance to noncurrent loans | 16.9912% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 3.2603% | 56 |
| Noncurrent loans to loans | 4.9843% | 68 |
| Net loans and leases to total assets | 63.1788% | 1,720 |
| Net loans and leases to deposits | 73.1310% | 1,683 |
| Net loans and leases to core deposits | 81.0843% | 1,414 |
| Total domestic deposits to total assets | 86.3912% | 3,138 |
| Equity capital to assets | 11.5121% | 1,122 |
| Core capital (leverage) ratio | 11.9707% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,664,000 | 4,657 |
| Average earning assets | $32,826,000 | 4,665 |
| Average equity | $4,188,000 | 4,641 |
| Average total loans | $22,947,500 | 4,466 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 834 |
| Cost of funding earning assets | 0.3402% | 2,021 |
| Net interest margin | 3.9733% | 747 |
| Noninterest income to average assets | 0.1538% | 4,380 |
| Noninterest expense to average assets | 2.3956% | 2,503 |
| Loan and lease loss provision to assets | 0.1225% | 1,005 |
| Net operating income to assets | 0.9201% | 2,971 |
| Return on assets (ROA) | 0.9201% | 3,034 |
| Pretax return on assets | 1.1622% | 2,782 |
| Return on Equity (ROE) | 7.7077% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.3498% | 1,782 |
| Net charge-offs to loans | 0.1197% | 756 |
| Credit loss provision to net charge-offs | 159.2593% | 1,456 |
| Earnings coverage of net charge-offs (x) | 16.7037% | 1,966 |
| Efficiency ratio | 65.0929% | 2,385 |
| Assets per employee ($millions) | 6.2982% | 2,492 |
| Cash dividends to net income (ytd only)* | 4.6440% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8224% | 4,230 |
| Loan loss allowance to noncurrent loans | 19.2153% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 2.6304% | 96 |
| Noncurrent loans to loans | 4.2801% | 93 |
| Net loans and leases to total assets | 60.9516% | 2,067 |
| Net loans and leases to deposits | 70.4115% | 2,088 |
| Net loans and leases to core deposits | 76.9074% | 1,847 |
| Total domestic deposits to total assets | 86.5649% | 2,687 |
| Equity capital to assets | 11.3657% | 1,571 |
| Core capital (leverage) ratio | 11.8334% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,105,600 | 4,711 |
| Average earning assets | $31,157,800 | 4,707 |
| Average equity | $4,190,600 | 4,691 |
| Average total loans | $22,549,400 | 4,526 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5521% | 613 |
| Cost of funding earning assets | 0.3589% | 2,036 |
| Net interest margin | 4.1932% | 551 |
| Noninterest income to average assets | 0.1510% | 4,437 |
| Noninterest expense to average assets | 2.4006% | 2,440 |
| Loan and lease loss provision to assets | 0.0494% | 2,010 |
| Net operating income to assets | 1.0919% | 2,587 |
| Return on assets (ROA) | 1.0919% | 2,644 |
| Pretax return on assets | 1.4094% | 2,298 |
| Return on Equity (ROE) | 9.0285% | 3,099 |
| Retained earnings to average equity (ytd only) | 9.0285% | 1,677 |
| Net charge-offs to loans | 0.0774% | 892 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,543 |
| Efficiency ratio | 62.1866% | 2,662 |
| Assets per employee ($millions) | 5.9742% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 4,327 |
| Loan loss allowance to noncurrent loans | 17.2244% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 2.8344% | 97 |
| Noncurrent loans to loans | 4.7081% | 86 |
| Net loans and leases to total assets | 59.7154% | 2,298 |
| Net loans and leases to deposits | 69.5645% | 2,283 |
| Net loans and leases to core deposits | 76.4246% | 2,010 |
| Total domestic deposits to total assets | 85.8418% | 2,803 |
| Equity capital to assets | 12.0073% | 1,398 |
| Core capital (leverage) ratio | 12.2881% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,434,750 | 4,785 |
| Average earning assets | $30,461,500 | 4,783 |
| Average equity | $4,164,500 | 4,760 |
| Average total loans | $22,380,750 | 4,585 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9568% | 369 |
| Cost of funding earning assets | 0.3701% | 2,139 |
| Net interest margin | 4.5867% | 313 |
| Noninterest income to average assets | 0.1767% | 4,317 |
| Noninterest expense to average assets | 2.4025% | 2,457 |
| Loan and lease loss provision to assets | 0.0471% | 2,080 |
| Net operating income to assets | 1.3779% | 1,636 |
| Return on assets (ROA) | 1.3779% | 1,705 |
| Pretax return on assets | 1.8136% | 1,201 |
| Return on Equity (ROE) | 11.3647% | 2,281 |
| Retained earnings to average equity (ytd only) | 11.3647% | 1,044 |
| Net charge-offs to loans | 0.0706% | 924 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 39.5000% | 1,171 |
| Efficiency ratio | 56.3536% | 3,498 |
| Assets per employee ($millions) | 5.7035% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7935% | 4,371 |
| Loan loss allowance to noncurrent loans | 17.1569% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 2.9806% | 95 |
| Noncurrent loans to loans | 4.6248% | 99 |
| Net loans and leases to total assets | 63.9373% | 1,957 |
| Net loans and leases to deposits | 74.9238% | 1,917 |
| Net loans and leases to core deposits | 84.9148% | 1,499 |
| Total domestic deposits to total assets | 85.3365% | 2,971 |
| Equity capital to assets | 12.4017% | 1,182 |
| Core capital (leverage) ratio | 12.2314% | 1,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,964,667 | 4,819 |
| Average earning assets | $30,261,667 | 4,815 |
| Average equity | $4,118,000 | 4,795 |
| Average total loans | $22,647,667 | 4,617 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9589% | 1,682 |
| Cost of funding earning assets | 0.3985% | 2,111 |
| Net interest margin | 3.5603% | 1,676 |
| Noninterest income to average assets | 0.2010% | 4,180 |
| Noninterest expense to average assets | 2.3407% | 2,674 |
| Loan and lease loss provision to assets | 0.0946% | 1,416 |
| Net operating income to assets | 0.7448% | 3,587 |
| Return on assets (ROA) | 0.7448% | 3,660 |
| Pretax return on assets | 0.9339% | 3,529 |
| Return on Equity (ROE) | 6.2145% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.2145% | 2,824 |
| Net charge-offs to loans | 0.1395% | 539 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 10.8750% | 1,481 |
| Efficiency ratio | 69.4737% | 1,760 |
| Assets per employee ($millions) | 5.6975% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 4,469 |
| Loan loss allowance to noncurrent loans | 17.7846% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 2.8785% | 109 |
| Noncurrent loans to loans | 4.2943% | 124 |
| Net loans and leases to total assets | 66.5175% | 1,730 |
| Net loans and leases to deposits | 77.2988% | 1,773 |
| Net loans and leases to core deposits | 86.6677% | 1,479 |
| Total domestic deposits to total assets | 86.0524% | 2,718 |
| Equity capital to assets | 11.9146% | 1,331 |
| Core capital (leverage) ratio | 11.8358% | 1,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $33,836,500 | 4,841 |
| Average earning assets | $30,109,500 | 4,837 |
| Average equity | $4,055,000 | 4,824 |
| Average total loans | $22,944,000 | 4,637 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4802% | 1,363 |
| Cost of funding earning assets | 0.6346% | 2,090 |
| Net interest margin | 3.8456% | 1,370 |
| Noninterest income to average assets | 0.1485% | 4,553 |
| Noninterest expense to average assets | 2.5314% | 2,751 |
| Loan and lease loss provision to assets | 0.0528% | 3,717 |
| Net operating income to assets | 0.7162% | 3,376 |
| Return on assets (ROA) | 0.7162% | 3,509 |
| Pretax return on assets | 0.9043% | 3,356 |
| Return on Equity (ROE) | 5.4862% | 3,751 |
| Retained earnings to average equity (ytd only) | 4.1968% | 2,712 |
| Net charge-offs to loans | 0.1508% | 1,078 |
| Credit loss provision to net charge-offs | 51.6129% | 3,135 |
| Earnings coverage of net charge-offs (x) | 9.3548% | 2,534 |
| Efficiency ratio | 72.5639% | 1,621 |
| Assets per employee ($millions) | 4.7840% | 3,622 |
| Cash dividends to net income (ytd only)* | 23.5023% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7617% | 4,493 |
| Loan loss allowance to noncurrent loans | 16.6350% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 3.1414% | 108 |
| Noncurrent loans to loans | 4.5791% | 108 |
| Net loans and leases to total assets | 68.0811% | 1,818 |
| Net loans and leases to deposits | 79.2210% | 1,956 |
| Net loans and leases to core deposits | 89.0864% | 1,600 |
| Total domestic deposits to total assets | 85.9382% | 2,391 |
| Equity capital to assets | 12.0551% | 1,542 |
| Core capital (leverage) ratio | 12.2492% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $30,299,000 | 4,872 |
| Average earning assets | $26,315,800 | 4,874 |
| Average equity | $3,955,400 | 4,843 |
| Average total loans | $20,559,400 | 4,701 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6155% | 1,262 |
| Cost of funding earning assets | 0.6728% | 2,187 |
| Net interest margin | 3.9427% | 1,255 |
| Noninterest income to average assets | 0.1356% | 4,617 |
| Noninterest expense to average assets | 2.5444% | 2,706 |
| Loan and lease loss provision to assets | 0.0712% | 3,432 |
| Net operating income to assets | 0.7231% | 3,380 |
| Return on assets (ROA) | 0.7231% | 3,482 |
| Pretax return on assets | 0.9355% | 3,282 |
| Return on Equity (ROE) | 5.4213% | 3,746 |
| Retained earnings to average equity (ytd only) | 4.2015% | 2,947 |
| Net charge-offs to loans | 0.2004% | 761 |
| Credit loss provision to net charge-offs | 53.3333% | 2,874 |
| Earnings coverage of net charge-offs (x) | 7.4333% | 2,575 |
| Efficiency ratio | 71.6285% | 1,687 |
| Assets per employee ($millions) | 5.2230% | 2,991 |
| Cash dividends to net income (ytd only)* | 22.5000% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8256% | 4,296 |
| Loan loss allowance to noncurrent loans | 17.9775% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 3.1240% | 139 |
| Noncurrent loans to loans | 4.5926% | 129 |
| Net loans and leases to total assets | 67.4612% | 2,325 |
| Net loans and leases to deposits | 79.3194% | 2,389 |
| Net loans and leases to core deposits | 90.0882% | 1,958 |
| Total domestic deposits to total assets | 85.0501% | 2,412 |
| Equity capital to assets | 12.7194% | 1,319 |
| Core capital (leverage) ratio | 12.8821% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,501,750 | 4,907 |
| Average earning assets | $25,565,500 | 4,909 |
| Average equity | $3,935,000 | 4,871 |
| Average total loans | $19,955,750 | 4,750 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 1,521 |
| Cost of funding earning assets | 0.7201% | 2,292 |
| Net interest margin | 3.9365% | 1,477 |
| Noninterest income to average assets | 0.1592% | 4,496 |
| Noninterest expense to average assets | 2.4784% | 3,026 |
| Loan and lease loss provision to assets | 0.0900% | 3,140 |
| Net operating income to assets | 0.7477% | 3,218 |
| Return on assets (ROA) | 0.7477% | 3,333 |
| Pretax return on assets | 0.9969% | 3,042 |
| Return on Equity (ROE) | 5.5130% | 3,671 |
| Retained earnings to average equity (ytd only) | 5.2578% | 2,362 |
| Net charge-offs to loans | 0.2872% | 553 |
| Credit loss provision to net charge-offs | 46.4286% | 2,639 |
| Earnings coverage of net charge-offs (x) | 5.6071% | 2,500 |
| Efficiency ratio | 69.5146% | 2,018 |
| Assets per employee ($millions) | 6.2480% | 1,992 |
| Cash dividends to net income (ytd only)* | 4.6296% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8441% | 4,208 |
| Loan loss allowance to noncurrent loans | 27.3438% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 2.1447% | 314 |
| Noncurrent loans to loans | 3.0869% | 301 |
| Net loans and leases to total assets | 65.8067% | 2,654 |
| Net loans and leases to deposits | 77.3264% | 2,725 |
| Net loans and leases to core deposits | 86.5163% | 2,391 |
| Total domestic deposits to total assets | 85.1024% | 2,352 |
| Equity capital to assets | 12.7177% | 1,273 |
| Core capital (leverage) ratio | 13.0407% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $28,889,667 | 4,944 |
| Average earning assets | $24,996,667 | 4,943 |
| Average equity | $3,918,000 | 4,903 |
| Average total loans | $19,502,000 | 4,786 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 1,216 |
| Cost of funding earning assets | 0.8121% | 2,312 |
| Net interest margin | 4.0772% | 1,187 |
| Noninterest income to average assets | 0.2309% | 4,166 |
| Noninterest expense to average assets | 2.5835% | 3,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9526% | 2,339 |
| Return on assets (ROA) | 0.9526% | 2,442 |
| Pretax return on assets | 1.1979% | 2,203 |
| Return on Equity (ROE) | 6.7858% | 3,033 |
| Retained earnings to average equity (ytd only) | 6.2717% | 1,781 |
| Net charge-offs to loans | 0.3600% | 393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 4.8824% | 2,104 |
| Efficiency ratio | 68.3206% | 2,613 |
| Assets per employee ($millions) | 5.5412% | 2,071 |
| Cash dividends to net income (ytd only)* | 7.5758% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 4,048 |
| Loan loss allowance to noncurrent loans | 35.5236% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.7577% | 536 |
| Noncurrent loans to loans | 2.5816% | 451 |
| Net loans and leases to total assets | 67.4619% | 2,623 |
| Net loans and leases to deposits | 80.8609% | 2,591 |
| Net loans and leases to core deposits | 89.5420% | 2,392 |
| Total domestic deposits to total assets | 83.4296% | 2,969 |
| Equity capital to assets | 14.1558% | 1,014 |
| Core capital (leverage) ratio | 13.8778% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $27,714,500 | 4,995 |
| Average earning assets | $24,134,000 | 4,994 |
| Average equity | $3,890,500 | 4,950 |
| Average total loans | $18,886,500 | 4,832 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1233% | 1,166 |
| Cost of funding earning assets | 0.7666% | 2,841 |
| Net interest margin | 4.3567% | 972 |
| Noninterest income to average assets | 0.1706% | 4,635 |
| Noninterest expense to average assets | 3.0415% | 1,905 |
| Loan and lease loss provision to assets | 0.2452% | 761 |
| Net operating income to assets | 0.5294% | 4,337 |
| Return on assets (ROA) | 0.5294% | 4,386 |
| Pretax return on assets | 0.6396% | 4,348 |
| Return on Equity (ROE) | 3.8993% | 4,484 |
| Retained earnings to average equity (ytd only) | 3.8993% | 3,020 |
| Net charge-offs to loans | 0.4215% | 461 |
| Credit loss provision to net charge-offs | 87.3418% | 2,687 |
| Earnings coverage of net charge-offs (x) | 3.1519% | 3,354 |
| Efficiency ratio | 77.4661% | 1,211 |
| Assets per employee ($millions) | 5.5446% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 3,475 |
| Loan loss allowance to noncurrent loans | 40.0000% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.7134% | 537 |
| Noncurrent loans to loans | 2.5120% | 427 |
| Net loans and leases to total assets | 67.5216% | 2,749 |
| Net loans and leases to deposits | 80.6541% | 2,701 |
| Net loans and leases to core deposits | 89.2614% | 2,488 |
| Total domestic deposits to total assets | 83.7175% | 2,943 |
| Equity capital to assets | 13.9198% | 1,124 |
| Core capital (leverage) ratio | 13.5202% | 1,050 |
| Tier 1 risk-based capital ratio | 18.4036% | 1,664 |
| Total risk-based capital ratio | 19.3177% | 1,700 |
| Memoranda: | ||
| Average total assets | $28,144,200 | 5,046 |
| Average earning assets | $24,261,600 | 5,050 |
| Average equity | $3,821,200 | 5,006 |
| Average total loans | $18,741,200 | 4,891 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0913% | 1,301 |
| Cost of funding earning assets | 0.7502% | 2,967 |
| Net interest margin | 4.3411% | 1,075 |
| Noninterest income to average assets | 0.1652% | 4,725 |
| Noninterest expense to average assets | 2.9310% | 2,160 |
| Loan and lease loss provision to assets | 0.2313% | 730 |
| Net operating income to assets | 0.7174% | 3,960 |
| Return on assets (ROA) | 0.7174% | 4,027 |
| Pretax return on assets | 0.7174% | 4,307 |
| Return on Equity (ROE) | 5.3167% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.3167% | 2,724 |
| Net charge-offs to loans | 0.5276% | 316 |
| Credit loss provision to net charge-offs | 66.2162% | 2,659 |
| Earnings coverage of net charge-offs (x) | 2.7163% | 3,171 |
| Efficiency ratio | 75.5474% | 1,385 |
| Assets per employee ($millions) | 4.8142% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 3,942 |
| Loan loss allowance to noncurrent loans | 84.5411% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.7166% | 1,908 |
| Noncurrent loans to loans | 1.0955% | 1,451 |
| Net loans and leases to total assets | 64.8122% | 3,203 |
| Net loans and leases to deposits | 77.0697% | 3,195 |
| Net loans and leases to core deposits | 84.8794% | 3,005 |
| Total domestic deposits to total assets | 84.0956% | 2,786 |
| Equity capital to assets | 13.5226% | 1,351 |
| Core capital (leverage) ratio | 13.9982% | 983 |
| Tier 1 risk-based capital ratio | 19.7881% | 1,404 |
| Total risk-based capital ratio | 20.6837% | 1,445 |
| Memoranda: | ||
| Average total assets | $28,249,500 | 5,123 |
| Average earning assets | $24,171,500 | 5,126 |
| Average equity | $3,811,750 | 5,080 |
| Average total loans | $18,699,250 | 4,968 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9795% | 1,534 |
| Cost of funding earning assets | 0.6984% | 3,173 |
| Net interest margin | 4.2811% | 1,183 |
| Noninterest income to average assets | 0.1641% | 4,771 |
| Noninterest expense to average assets | 2.8604% | 2,380 |
| Loan and lease loss provision to assets | 0.2211% | 750 |
| Net operating income to assets | 0.7989% | 3,658 |
| Return on assets (ROA) | 0.7989% | 3,719 |
| Pretax return on assets | 0.7989% | 4,098 |
| Return on Equity (ROE) | 5.9254% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.9254% | 2,317 |
| Net charge-offs to loans | 0.6011% | 253 |
| Credit loss provision to net charge-offs | 55.3571% | 2,434 |
| Earnings coverage of net charge-offs (x) | 2.5536% | 2,929 |
| Efficiency ratio | 73.7132% | 1,675 |
| Assets per employee ($millions) | 4.5340% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9370% | 3,933 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.6433% | 2,110 |
| Noncurrent loans to loans | 0.9370% | 1,742 |
| Net loans and leases to total assets | 68.0084% | 2,812 |
| Net loans and leases to deposits | 79.8386% | 2,973 |
| Net loans and leases to core deposits | 88.3482% | 2,760 |
| Total domestic deposits to total assets | 85.1823% | 2,401 |
| Equity capital to assets | 14.2148% | 1,044 |
| Core capital (leverage) ratio | 13.9717% | 969 |
| Tier 1 risk-based capital ratio | 20.0126% | 1,350 |
| Total risk-based capital ratio | 20.9279% | 1,381 |
| Memoranda: | ||
| Average total assets | $28,037,670 | 5,168 |
| Average earning assets | $24,339,670 | 5,170 |
| Average equity | $3,780,330 | 5,123 |
| Average total loans | $18,633,670 | 5,009 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8051% | 1,884 |
| Cost of funding earning assets | 0.6701% | 3,203 |
| Net interest margin | 4.1350% | 1,464 |
| Noninterest income to average assets | 0.1406% | 4,889 |
| Noninterest expense to average assets | 3.0083% | 1,972 |
| Loan and lease loss provision to assets | 0.1968% | 826 |
| Net operating income to assets | 0.4217% | 4,683 |
| Return on assets (ROA) | 0.4217% | 4,694 |
| Pretax return on assets | 0.4920% | 4,708 |
| Return on Equity (ROE) | 3.2111% | 4,738 |
| Retained earnings to average equity (ytd only) | 3.2111% | 3,645 |
| Net charge-offs to loans | 0.0860% | 1,243 |
| Credit loss provision to net charge-offs | 350.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 12.2500% | 1,880 |
| Efficiency ratio | 81.3688% | 934 |
| Assets per employee ($millions) | 5.6614% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 2,795 |
| Loan loss allowance to noncurrent loans | 71.6724% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.0351% | 1,346 |
| Noncurrent loans to loans | 1.6176% | 976 |
| Net loans and leases to total assets | 63.2458% | 3,377 |
| Net loans and leases to deposits | 73.4060% | 3,494 |
| Net loans and leases to core deposits | 80.7934% | 3,295 |
| Total domestic deposits to total assets | 86.1589% | 2,203 |
| Equity capital to assets | 13.3006% | 1,294 |
| Core capital (leverage) ratio | 13.5122% | 1,088 |
| Tier 1 risk-based capital ratio | 19.7215% | 1,394 |
| Total risk-based capital ratio | 20.8250% | 1,399 |
| Memoranda: | ||
| Average total assets | $28,454,500 | 5,219 |
| Average earning assets | $24,474,000 | 5,221 |
| Average equity | $3,737,000 | 5,178 |
| Average total loans | $18,612,500 | 5,066 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 1,514 |
| Cost of funding earning assets | 0.6832% | 2,189 |
| Net interest margin | 4.1302% | 1,590 |
| Noninterest income to average assets | 0.2251% | 4,572 |
| Noninterest expense to average assets | 2.6710% | 3,122 |
| Loan and lease loss provision to assets | 0.9552% | 93 |
| Net operating income to assets | 0.2081% | 5,100 |
| Return on assets (ROA) | 0.2081% | 5,097 |
| Pretax return on assets | 0.2081% | 5,111 |
| Return on Equity (ROE) | 1.6683% | 5,085 |
| Retained earnings to average equity (ytd only) | 0.8478% | 4,759 |
| Net charge-offs to loans | 1.3344% | 89 |
| Credit loss provision to net charge-offs | 107.6923% | 2,376 |
| Earnings coverage of net charge-offs (x) | 1.3115% | 3,637 |
| Efficiency ratio | 69.6619% | 2,253 |
| Assets per employee ($millions) | 5.7204% | 1,753 |
| Cash dividends to net income (ytd only)* | 49.1803% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,406 |
| Loan loss allowance to noncurrent loans | 68.0272% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.0419% | 1,310 |
| Noncurrent loans to loans | 1.5383% | 980 |
| Net loans and leases to total assets | 66.1213% | 3,113 |
| Net loans and leases to deposits | 76.6723% | 3,302 |
| Net loans and leases to core deposits | 86.1752% | 2,900 |
| Total domestic deposits to total assets | 86.2387% | 2,116 |
| Equity capital to assets | 12.9676% | 1,359 |
| Core capital (leverage) ratio | 12.9872% | 1,258 |
| Tier 1 risk-based capital ratio | 18.4205% | 1,639 |
| Total risk-based capital ratio | 19.4077% | 1,662 |
| Memoranda: | ||
| Average total assets | $29,314,400 | 5,253 |
| Average earning assets | $25,616,000 | 5,252 |
| Average equity | $3,656,400 | 5,216 |
| Average total loans | $19,484,200 | 5,087 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7657% | 1,507 |
| Cost of funding earning assets | 0.6823% | 1,965 |
| Net interest margin | 4.0834% | 1,680 |
| Noninterest income to average assets | 0.1718% | 4,926 |
| Noninterest expense to average assets | 2.4367% | 3,768 |
| Loan and lease loss provision to assets | 1.2568% | 63 |
| Net operating income to assets | -0.1130% | 5,330 |
| Return on assets (ROA) | -0.1130% | 5,330 |
| Pretax return on assets | 0.0497% | 5,275 |
| Return on Equity (ROE) | -0.9148% | 5,331 |
| Retained earnings to average equity (ytd only) | -1.4638% | 5,159 |
| Net charge-offs to loans | 1.4166% | 85 |
| Credit loss provision to net charge-offs | 133.6538% | 1,858 |
| Earnings coverage of net charge-offs (x) | 1.3894% | 3,353 |
| Efficiency ratio | 65.0966% | 3,020 |
| Assets per employee ($millions) | 5.7320% | 1,707 |
| Cash dividends to net income (ytd only)* | -60.0060% | 5,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 1,997 |
| Loan loss allowance to noncurrent loans | 57.0776% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.5283% | 833 |
| Noncurrent loans to loans | 2.3121% | 588 |
| Net loans and leases to total assets | 65.2268% | 3,283 |
| Net loans and leases to deposits | 75.2637% | 3,483 |
| Net loans and leases to core deposits | 85.6737% | 3,028 |
| Total domestic deposits to total assets | 86.6643% | 1,887 |
| Equity capital to assets | 12.5960% | 1,523 |
| Core capital (leverage) ratio | 12.9740% | 1,291 |
| Tier 1 risk-based capital ratio | 17.9493% | 1,805 |
| Total risk-based capital ratio | 19.1717% | 1,776 |
| Memoranda: | ||
| Average total assets | $29,492,500 | 5,317 |
| Average earning assets | $25,794,750 | 5,316 |
| Average equity | $3,643,250 | 5,282 |
| Average total loans | $19,577,250 | 5,144 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7000% | 1,513 |
| Cost of funding earning assets | 0.6747% | 1,773 |
| Net interest margin | 4.0253% | 1,776 |
| Noninterest income to average assets | 0.1881% | 4,885 |
| Noninterest expense to average assets | 2.3715% | 3,972 |
| Loan and lease loss provision to assets | 1.5250% | 46 |
| Net operating income to assets | -0.4232% | 5,432 |
| Return on assets (ROA) | -0.4232% | 5,427 |
| Pretax return on assets | -0.1814% | 5,388 |
| Return on Equity (ROE) | -3.4480% | 5,418 |
| Retained earnings to average equity (ytd only) | -4.2689% | 5,257 |
| Net charge-offs to loans | 2.0921% | 46 |
| Credit loss provision to net charge-offs | 109.6618% | 1,899 |
| Earnings coverage of net charge-offs (x) | 0.9662% | 3,097 |
| Efficiency ratio | 63.8336% | 3,333 |
| Assets per employee ($millions) | 4.1579% | 3,642 |
| Cash dividends to net income (ytd only)* | -23.8095% | 5,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 3,541 |
| Loan loss allowance to noncurrent loans | 72.7273% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 0.9449% | 1,597 |
| Noncurrent loans to loans | 1.4423% | 1,173 |
| Net loans and leases to total assets | 64.8239% | 3,303 |
| Net loans and leases to deposits | 75.2873% | 3,413 |
| Net loans and leases to core deposits | 85.5918% | 2,957 |
| Total domestic deposits to total assets | 86.1020% | 2,232 |
| Equity capital to assets | 12.3106% | 1,653 |
| Core capital (leverage) ratio | 12.2353% | 1,579 |
| Tier 1 risk-based capital ratio | 17.9800% | 1,806 |
| Total risk-based capital ratio | 18.9712% | 1,838 |
| Memoranda: | ||
| Average total assets | $29,770,000 | 5,375 |
| Average earning assets | $26,085,330 | 5,378 |
| Average equity | $3,654,330 | 5,344 |
| Average total loans | $19,788,330 | 5,202 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 1,507 |
| Cost of funding earning assets | 0.6624% | 1,647 |
| Net interest margin | 3.9594% | 1,845 |
| Noninterest income to average assets | 0.2527% | 4,495 |
| Noninterest expense to average assets | 1.9287% | 4,976 |
| Loan and lease loss provision to assets | 0.3059% | 421 |
| Net operating income to assets | 1.2504% | 1,806 |
| Return on assets (ROA) | 1.2504% | 1,818 |
| Pretax return on assets | 1.5164% | 1,643 |
| Return on Equity (ROE) | 10.2438% | 2,311 |
| Retained earnings to average equity (ytd only) | 8.6092% | 1,615 |
| Net charge-offs to loans | 0.0596% | 1,507 |
| Credit loss provision to net charge-offs | 766.6667% | 428 |
| Earnings coverage of net charge-offs (x) | 45.6667% | 988 |
| Efficiency ratio | 51.4184% | 5,002 |
| Assets per employee ($millions) | 6.1446% | 1,407 |
| Cash dividends to net income (ytd only)* | 15.9574% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,872 |
| Loan loss allowance to noncurrent loans | 23.4467% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 2.7764% | 312 |
| Noncurrent loans to loans | 4.3214% | 214 |
| Net loans and leases to total assets | 63.5973% | 3,361 |
| Net loans and leases to deposits | 72.8008% | 3,529 |
| Net loans and leases to core deposits | 85.6035% | 2,839 |
| Total domestic deposits to total assets | 87.3580% | 1,978 |
| Equity capital to assets | 12.0496% | 1,749 |
| Core capital (leverage) ratio | 12.5838% | 1,355 |
| Tier 1 risk-based capital ratio | 17.7826% | 1,894 |
| Total risk-based capital ratio | 18.7250% | 1,938 |
| Memoranda: | ||
| Average total assets | $30,071,500 | 5,432 |
| Average earning assets | $26,570,000 | 5,436 |
| Average equity | $3,670,500 | 5,399 |
| Average total loans | $20,149,000 | 5,250 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5740% | 1,508 |
| Cost of funding earning assets | 0.5134% | 2,223 |
| Net interest margin | 4.0606% | 1,561 |
| Noninterest income to average assets | 0.2388% | 4,704 |
| Noninterest expense to average assets | 2.6744% | 3,216 |
| Loan and lease loss provision to assets | 0.2524% | 734 |
| Net operating income to assets | 0.8733% | 2,846 |
| Return on assets (ROA) | 0.8665% | 2,903 |
| Pretax return on assets | 0.8665% | 4,025 |
| Return on Equity (ROE) | 7.1804% | 3,190 |
| Retained earnings to average equity (ytd only) | 6.3323% | 1,366 |
| Net charge-offs to loans | 0.1780% | 1,405 |
| Credit loss provision to net charge-offs | 217.6471% | 1,254 |
| Earnings coverage of net charge-offs (x) | 9.7059% | 2,761 |
| Efficiency ratio | 70.3770% | 2,495 |
| Assets per employee ($millions) | 5.8840% | 1,597 |
| Cash dividends to net income (ytd only)* | 11.8110% | 3,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 4,577 |
| Loan loss allowance to noncurrent loans | 128.5714% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 2,975 |
| Noncurrent loans to loans | 0.6810% | 2,510 |
| Net loans and leases to total assets | 69.2692% | 2,636 |
| Net loans and leases to deposits | 79.5340% | 2,963 |
| Net loans and leases to core deposits | 92.4218% | 2,333 |
| Total domestic deposits to total assets | 87.0938% | 1,947 |
| Equity capital to assets | 12.3691% | 1,588 |
| Core capital (leverage) ratio | 12.5648% | 1,325 |
| Tier 1 risk-based capital ratio | 17.2537% | 2,012 |
| Total risk-based capital ratio | 18.0967% | 2,092 |
| Memoranda: | ||
| Average total assets | $29,314,800 | 5,500 |
| Average earning assets | $25,710,800 | 5,500 |
| Average equity | $3,537,400 | 5,476 |
| Average total loans | $19,101,200 | 5,335 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5500% | 1,503 |
| Cost of funding earning assets | 0.5009% | 2,252 |
| Net interest margin | 4.0491% | 1,548 |
| Noninterest income to average assets | 0.2276% | 4,849 |
| Noninterest expense to average assets | 2.6631% | 3,194 |
| Loan and lease loss provision to assets | 0.2185% | 850 |
| Net operating income to assets | 0.8786% | 3,134 |
| Return on assets (ROA) | 0.8695% | 3,224 |
| Pretax return on assets | 0.8695% | 4,143 |
| Return on Equity (ROE) | 7.2511% | 3,524 |
| Retained earnings to average equity (ytd only) | 6.6817% | 1,852 |
| Net charge-offs to loans | 0.1992% | 1,067 |
| Credit loss provision to net charge-offs | 171.4286% | 1,524 |
| Earnings coverage of net charge-offs (x) | 8.6078% | 2,762 |
| Efficiency ratio | 70.8232% | 2,395 |
| Assets per employee ($millions) | 5.9708% | 1,516 |
| Cash dividends to net income (ytd only)* | 7.8536% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8335% | 4,803 |
| Loan loss allowance to noncurrent loans | 74.7664% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 0.7168% | 2,358 |
| Noncurrent loans to loans | 1.1148% | 1,725 |
| Net loans and leases to total assets | 63.7636% | 3,443 |
| Net loans and leases to deposits | 73.0188% | 3,663 |
| Net loans and leases to core deposits | 84.6195% | 3,079 |
| Total domestic deposits to total assets | 87.3250% | 1,716 |
| Equity capital to assets | 12.1190% | 1,890 |
| Core capital (leverage) ratio | 12.7859% | 1,298 |
| Tier 1 risk-based capital ratio | 18.1718% | 1,811 |
| Total risk-based capital ratio | 18.9732% | 1,877 |
| Memoranda: | ||
| Average total assets | $29,288,500 | 5,559 |
| Average earning assets | $25,552,250 | 5,563 |
| Average equity | $3,512,000 | 5,542 |
| Average total loans | $18,736,750 | 5,397 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 1,529 |
| Cost of funding earning assets | 0.4783% | 2,338 |
| Net interest margin | 4.0144% | 1,561 |
| Noninterest income to average assets | 0.2199% | 4,935 |
| Noninterest expense to average assets | 2.6460% | 3,281 |
| Loan and lease loss provision to assets | 0.1993% | 927 |
| Net operating income to assets | 0.8935% | 2,942 |
| Return on assets (ROA) | 0.8866% | 3,041 |
| Pretax return on assets | 0.8866% | 3,970 |
| Return on Equity (ROE) | 7.4209% | 3,329 |
| Retained earnings to average equity (ytd only) | 6.5580% | 1,812 |
| Net charge-offs to loans | 0.3121% | 653 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 5.4828% | 2,818 |
| Efficiency ratio | 70.7721% | 2,538 |
| Assets per employee ($millions) | 4.8533% | 2,586 |
| Cash dividends to net income (ytd only)* | 11.6279% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7454% | 5,095 |
| Loan loss allowance to noncurrent loans | 74.4681% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6456% | 2,620 |
| Noncurrent loans to loans | 1.0010% | 1,960 |
| Net loans and leases to total assets | 64.0144% | 3,382 |
| Net loans and leases to deposits | 74.5670% | 3,488 |
| Net loans and leases to core deposits | 86.7952% | 2,812 |
| Total domestic deposits to total assets | 85.8482% | 2,446 |
| Equity capital to assets | 12.2081% | 1,780 |
| Core capital (leverage) ratio | 12.4947% | 1,373 |
| Tier 1 risk-based capital ratio | 18.1925% | 1,799 |
| Total risk-based capital ratio | 18.9065% | 1,913 |
| Memoranda: | ||
| Average total assets | $29,100,000 | 5,607 |
| Average earning assets | $25,508,000 | 5,608 |
| Average equity | $3,476,670 | 5,589 |
| Average total loans | $18,583,670 | 5,447 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4226% | 1,580 |
| Cost of funding earning assets | 0.4532% | 2,502 |
| Net interest margin | 3.9694% | 1,550 |
| Noninterest income to average assets | 0.2888% | 4,490 |
| Noninterest expense to average assets | 2.6263% | 3,390 |
| Loan and lease loss provision to assets | 0.0413% | 2,979 |
| Net operating income to assets | 1.1138% | 1,810 |
| Return on assets (ROA) | 1.1138% | 1,853 |
| Pretax return on assets | 1.1138% | 2,926 |
| Return on Equity (ROE) | 9.4255% | 2,213 |
| Retained earnings to average equity (ytd only) | 7.6800% | 1,582 |
| Net charge-offs to loans | 0.0649% | 1,683 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,260 |
| Efficiency ratio | 69.4545% | 2,978 |
| Assets per employee ($millions) | 5.9010% | 1,583 |
| Cash dividends to net income (ytd only)* | 18.5185% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 5,177 |
| Loan loss allowance to noncurrent loans | 92.1053% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8202% | 2,242 |
| Noncurrent loans to loans | 0.8244% | 2,394 |
| Net loans and leases to total assets | 62.0166% | 3,529 |
| Net loans and leases to deposits | 70.7333% | 3,719 |
| Net loans and leases to core deposits | 79.8342% | 3,313 |
| Total domestic deposits to total assets | 87.6767% | 1,904 |
| Equity capital to assets | 11.8082% | 1,965 |
| Core capital (leverage) ratio | 12.2006% | 1,506 |
| Tier 1 risk-based capital ratio | 18.1122% | 1,833 |
| Total risk-based capital ratio | 18.8316% | 1,962 |
| Memoranda: | ||
| Average total assets | $29,090,000 | 5,675 |
| Average earning assets | $25,596,000 | 5,675 |
| Average equity | $3,437,500 | 5,654 |
| Average total loans | $18,485,000 | 5,510 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 1,938 |
| Cost of funding earning assets | 0.4191% | 2,814 |
| Net interest margin | 3.9442% | 1,810 |
| Noninterest income to average assets | 0.2214% | 5,085 |
| Noninterest expense to average assets | 2.5429% | 3,866 |
| Loan and lease loss provision to assets | 0.1513% | 1,655 |
| Net operating income to assets | 1.0703% | 2,034 |
| Return on assets (ROA) | 1.0703% | 2,141 |
| Pretax return on assets | 1.0703% | 3,213 |
| Return on Equity (ROE) | 8.7045% | 2,561 |
| Retained earnings to average equity (ytd only) | 8.2543% | 771 |
| Net charge-offs to loans | 0.3192% | 861 |
| Credit loss provision to net charge-offs | 73.2143% | 3,078 |
| Earnings coverage of net charge-offs (x) | 5.9107% | 3,259 |
| Efficiency ratio | 67.5490% | 3,336 |
| Assets per employee ($millions) | 5.7350% | 1,670 |
| Cash dividends to net income (ytd only)* | 5.1724% | 4,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7555% | 5,224 |
| Loan loss allowance to noncurrent loans | 95.2381% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.8335% | 2,262 |
| Noncurrent loans to loans | 0.7932% | 2,534 |
| Net loans and leases to total assets | 64.1395% | 3,339 |
| Net loans and leases to deposits | 73.2020% | 3,592 |
| Net loans and leases to core deposits | 84.7753% | 2,947 |
| Total domestic deposits to total assets | 87.6199% | 1,824 |
| Equity capital to assets | 11.8256% | 1,917 |
| Core capital (leverage) ratio | 11.7945% | 1,727 |
| Tier 1 risk-based capital ratio | 17.5787% | 1,983 |
| Total risk-based capital ratio | 18.2921% | 2,094 |
| Memoranda: | ||
| Average total assets | $27,095,000 | 5,757 |
| Average earning assets | $24,339,400 | 5,744 |
| Average equity | $3,331,600 | 5,723 |
| Average total loans | $17,546,000 | 5,595 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 1,932 |
| Cost of funding earning assets | 0.4108% | 2,920 |
| Net interest margin | 3.9637% | 1,769 |
| Noninterest income to average assets | 0.2197% | 5,148 |
| Noninterest expense to average assets | 2.4519% | 4,129 |
| Loan and lease loss provision to assets | 0.0799% | 2,613 |
| Net operating income to assets | 1.2534% | 1,448 |
| Return on assets (ROA) | 1.2534% | 1,548 |
| Pretax return on assets | 1.2534% | 2,608 |
| Return on Equity (ROE) | 10.0900% | 2,017 |
| Retained earnings to average equity (ytd only) | 10.0900% | 558 |
| Net charge-offs to loans | 0.1619% | 1,410 |
| Credit loss provision to net charge-offs | 76.1905% | 2,712 |
| Earnings coverage of net charge-offs (x) | 12.7139% | 2,368 |
| Efficiency ratio | 64.7757% | 3,795 |
| Assets per employee ($millions) | 7.1615% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8214% | 5,126 |
| Loan loss allowance to noncurrent loans | 66.0793% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7924% | 2,563 |
| Noncurrent loans to loans | 1.2431% | 1,803 |
| Net loans and leases to total assets | 63.2235% | 3,493 |
| Net loans and leases to deposits | 72.3543% | 3,769 |
| Net loans and leases to core deposits | 84.0418% | 3,116 |
| Total domestic deposits to total assets | 87.3804% | 1,722 |
| Equity capital to assets | 12.0785% | 2,061 |
| Core capital (leverage) ratio | 12.0898% | 1,613 |
| Tier 1 risk-based capital ratio | 17.6117% | 2,038 |
| Total risk-based capital ratio | 18.3828% | 2,143 |
| Memoranda: | ||
| Average total assets | $26,700,000 | 5,824 |
| Average earning assets | $24,017,250 | 5,805 |
| Average equity | $3,316,750 | 5,783 |
| Average total loans | $17,299,500 | 5,661 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2955% | 2,173 |
| Cost of funding earning assets | 0.3982% | 3,059 |
| Net interest margin | 3.8973% | 1,985 |
| Noninterest income to average assets | 0.1919% | 5,351 |
| Noninterest expense to average assets | 2.4644% | 4,138 |
| Loan and lease loss provision to assets | 0.0691% | 2,756 |
| Net operating income to assets | 1.1900% | 1,639 |
| Return on assets (ROA) | 1.1900% | 1,734 |
| Pretax return on assets | 1.1900% | 2,816 |
| Return on Equity (ROE) | 9.4830% | 2,281 |
| Retained earnings to average equity (ytd only) | 9.4830% | 723 |
| Net charge-offs to loans | 0.1649% | 1,348 |
| Credit loss provision to net charge-offs | 64.2857% | 2,527 |
| Earnings coverage of net charge-offs (x) | 11.7143% | 2,236 |
| Efficiency ratio | 66.1856% | 3,655 |
| Assets per employee ($millions) | 4.5855% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 5,195 |
| Loan loss allowance to noncurrent loans | 135.1351% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 3,877 |
| Noncurrent loans to loans | 0.6139% | 3,225 |
| Net loans and leases to total assets | 65.1728% | 3,204 |
| Net loans and leases to deposits | 74.7218% | 3,509 |
| Net loans and leases to core deposits | 83.5165% | 3,127 |
| Total domestic deposits to total assets | 87.2206% | 1,797 |
| Equity capital to assets | 12.2524% | 1,940 |
| Core capital (leverage) ratio | 12.4143% | 1,400 |
| Tier 1 risk-based capital ratio | 17.7015% | 2,015 |
| Total risk-based capital ratio | 18.4988% | 2,110 |
| Memoranda: | ||
| Average total assets | $26,051,330 | 5,901 |
| Average earning assets | $23,606,000 | 5,884 |
| Average equity | $3,269,000 | 5,856 |
| Average total loans | $16,979,000 | 5,738 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 1,800 |
| Cost of funding earning assets | 0.4015% | 3,049 |
| Net interest margin | 3.9976% | 1,622 |
| Noninterest income to average assets | 0.1896% | 5,372 |
| Noninterest expense to average assets | 2.6382% | 3,626 |
| Loan and lease loss provision to assets | 0.1422% | 1,481 |
| Net operating income to assets | 1.0268% | 2,172 |
| Return on assets (ROA) | 1.0268% | 2,290 |
| Pretax return on assets | 1.0268% | 3,379 |
| Return on Equity (ROE) | 8.0796% | 2,867 |
| Retained earnings to average equity (ytd only) | 8.0796% | 1,423 |
| Net charge-offs to loans | 0.2191% | 930 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 8.2222% | 2,074 |
| Efficiency ratio | 69.2946% | 3,251 |
| Assets per employee ($millions) | 5.2466% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 4,757 |
| Loan loss allowance to noncurrent loans | 1,722.2222% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 5,218 |
| Noncurrent loans to loans | 0.0564% | 5,260 |
| Net loans and leases to total assets | 60.2485% | 3,736 |
| Net loans and leases to deposits | 69.2170% | 3,930 |
| Net loans and leases to core deposits | 74.1218% | 3,885 |
| Total domestic deposits to total assets | 87.0430% | 2,193 |
| Equity capital to assets | 12.4233% | 1,728 |
| Core capital (leverage) ratio | 12.6479% | 1,286 |
| Tier 1 risk-based capital ratio | 18.3684% | 1,892 |
| Total risk-based capital ratio | 19.2471% | 1,955 |
| Memoranda: | ||
| Average total assets | $25,320,500 | 5,967 |
| Average earning assets | $22,914,000 | 5,952 |
| Average equity | $3,218,000 | 5,920 |
| Average total loans | $16,428,000 | 5,808 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 2,881 |
| Cost of funding earning assets | 0.3042% | 4,200 |
| Net interest margin | 3.8046% | 2,358 |
| Noninterest income to average assets | 0.0599% | 5,982 |
| Noninterest expense to average assets | 2.7508% | 3,408 |
| Loan and lease loss provision to assets | 0.0958% | 2,395 |
| Net operating income to assets | 0.6588% | 3,999 |
| Return on assets (ROA) | 0.6787% | 4,006 |
| Pretax return on assets | 0.6787% | 4,588 |
| Return on Equity (ROE) | 5.4800% | 4,294 |
| Retained earnings to average equity (ytd only) | 4.9965% | 2,421 |
| Net charge-offs to loans | 0.2600% | 1,165 |
| Credit loss provision to net charge-offs | 66.6667% | 3,173 |
| Earnings coverage of net charge-offs (x) | 5.2500% | 3,419 |
| Efficiency ratio | 78.4738% | 1,892 |
| Assets per employee ($millions) | 4.8816% | 2,494 |
| Cash dividends to net income (ytd only)* | 8.8235% | 4,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 5,020 |
| Loan loss allowance to noncurrent loans | 246.0317% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 3,845 |
| Noncurrent loans to loans | 0.3729% | 4,110 |
| Net loans and leases to total assets | 68.5882% | 2,614 |
| Net loans and leases to deposits | 79.4655% | 2,888 |
| Net loans and leases to core deposits | 85.0229% | 2,877 |
| Total domestic deposits to total assets | 86.3119% | 2,484 |
| Equity capital to assets | 13.0162% | 1,342 |
| Core capital (leverage) ratio | 13.0680% | 1,123 |
| Tier 1 risk-based capital ratio | 18.2818% | 1,889 |
| Total risk-based capital ratio | 19.1743% | 1,941 |
| Memoranda: | ||
| Average total assets | $25,047,000 | 6,025 |
| Average earning assets | $22,683,200 | 6,013 |
| Average equity | $3,102,200 | 5,989 |
| Average total loans | $13,846,400 | 5,929 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0085% | 3,302 |
| Cost of funding earning assets | 0.2971% | 4,372 |
| Net interest margin | 3.7113% | 2,723 |
| Noninterest income to average assets | 0.1217% | 5,868 |
| Noninterest expense to average assets | 2.7981% | 3,195 |
| Loan and lease loss provision to assets | 0.0846% | 2,476 |
| Net operating income to assets | 0.6083% | 4,342 |
| Return on assets (ROA) | 0.6348% | 4,330 |
| Pretax return on assets | 0.6348% | 4,885 |
| Return on Equity (ROE) | 5.1889% | 4,538 |
| Retained earnings to average equity (ytd only) | 5.1889% | 2,788 |
| Net charge-offs to loans | 0.2853% | 935 |
| Credit loss provision to net charge-offs | 57.1429% | 2,945 |
| Earnings coverage of net charge-offs (x) | 4.6788% | 3,315 |
| Efficiency ratio | 80.1515% | 1,642 |
| Assets per employee ($millions) | 4.8174% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 4,407 |
| Loan loss allowance to noncurrent loans | 140.9091% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6020% | 3,465 |
| Noncurrent loans to loans | 0.7558% | 3,073 |
| Net loans and leases to total assets | 59.7791% | 3,909 |
| Net loans and leases to deposits | 69.2993% | 4,061 |
| Net loans and leases to core deposits | 72.1646% | 4,178 |
| Total domestic deposits to total assets | 86.2623% | 2,403 |
| Equity capital to assets | 13.0984% | 1,396 |
| Core capital (leverage) ratio | 13.0824% | 1,173 |
| Tier 1 risk-based capital ratio | 20.7195% | 1,396 |
| Total risk-based capital ratio | 21.7426% | 1,401 |
| Memoranda: | ||
| Average total assets | $25,206,750 | 6,111 |
| Average earning assets | $22,884,250 | 6,093 |
| Average equity | $3,083,500 | 6,076 |
| Average total loans | $13,084,000 | 6,028 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8680% | 3,804 |
| Cost of funding earning assets | 0.2805% | 4,607 |
| Net interest margin | 3.5874% | 3,138 |
| Noninterest income to average assets | 0.1095% | 5,992 |
| Noninterest expense to average assets | 2.6036% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8053% | 3,357 |
| Return on assets (ROA) | 0.8600% | 3,186 |
| Pretax return on assets | 0.8600% | 4,094 |
| Return on Equity (ROE) | 7.1903% | 3,492 |
| Retained earnings to average equity (ytd only) | 7.1903% | 1,618 |
| Net charge-offs to loans | 0.1747% | 1,413 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.3636% | 2,459 |
| Efficiency ratio | 76.3761% | 2,295 |
| Assets per employee ($millions) | 3.3913% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 4,113 |
| Loan loss allowance to noncurrent loans | 134.4828% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5940% | 3,629 |
| Noncurrent loans to loans | 0.8511% | 3,000 |
| Net loans and leases to total assets | 56.7547% | 4,249 |
| Net loans and leases to deposits | 65.8569% | 4,346 |
| Net loans and leases to core deposits | 68.6208% | 4,448 |
| Total domestic deposits to total assets | 86.1789% | 2,593 |
| Equity capital to assets | 13.1935% | 1,301 |
| Core capital (leverage) ratio | 12.4895% | 1,388 |
| Tier 1 risk-based capital ratio | 21.7030% | 1,245 |
| Total risk-based capital ratio | 22.7846% | 1,259 |
| Memoranda: | ||
| Average total assets | $25,580,000 | 6,180 |
| Average earning assets | $23,526,670 | 6,155 |
| Average equity | $3,059,670 | 6,140 |
| Average total loans | $12,594,000 | 6,107 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6468% | 4,540 |
| Cost of funding earning assets | 0.2780% | 4,694 |
| Net interest margin | 3.3688% | 3,956 |
| Noninterest income to average assets | -0.0453% | 6,359 |
| Noninterest expense to average assets | 2.4603% | 4,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6038% | 4,275 |
| Return on assets (ROA) | 0.8453% | 3,153 |
| Pretax return on assets | 0.8453% | 4,082 |
| Return on Equity (ROE) | 7.4086% | 3,269 |
| Retained earnings to average equity (ytd only) | 7.4086% | 1,806 |
| Net charge-offs to loans | 0.0331% | 2,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 972 |
| Efficiency ratio | 80.2956% | 1,865 |
| Assets per employee ($millions) | 4.0967% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 3,404 |
| Loan loss allowance to noncurrent loans | 117.7305% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5736% | 3,758 |
| Noncurrent loans to loans | 1.1042% | 2,563 |
| Net loans and leases to total assets | 51.2734% | 4,723 |
| Net loans and leases to deposits | 59.0581% | 4,825 |
| Net loans and leases to core deposits | 61.4271% | 4,877 |
| Total domestic deposits to total assets | 86.8186% | 2,473 |
| Equity capital to assets | 12.5753% | 1,649 |
| Core capital (leverage) ratio | 11.7983% | 1,780 |
| Tier 1 risk-based capital ratio | 22.2423% | 1,203 |
| Total risk-based capital ratio | 23.4430% | 1,196 |
| Memoranda: | ||
| Average total assets | $26,500,500 | 6,228 |
| Average earning assets | $24,460,000 | 6,204 |
| Average equity | $3,023,500 | 6,204 |
| Average total loans | $12,076,500 | 6,172 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3919% | 5,547 |
| Cost of funding earning assets | 0.3598% | 4,144 |
| Net interest margin | 3.0321% | 5,371 |
| Noninterest income to average assets | 0.0739% | 6,231 |
| Noninterest expense to average assets | 3.1686% | 2,299 |
| Loan and lease loss provision to assets | 0.3398% | 567 |
| Net operating income to assets | -0.6647% | 6,333 |
| Return on assets (ROA) | -0.3730% | 6,262 |
| Pretax return on assets | -0.3730% | 6,245 |
| Return on Equity (ROE) | -3.3470% | 6,260 |
| Retained earnings to average equity (ytd only) | -3.8441% | 6,127 |
| Net charge-offs to loans | 0.6788% | 552 |
| Credit loss provision to net charge-offs | 139.3939% | 1,705 |
| Earnings coverage of net charge-offs (x) | -1.3333% | 4,813 |
| Efficiency ratio | 111.4286% | 199 |
| Assets per employee ($millions) | 4.7368% | 2,674 |
| Cash dividends to net income (ytd only)* | -14.8515% | 6,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 2,617 |
| Loan loss allowance to noncurrent loans | 84.7716% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 0.8163% | 3,163 |
| Noncurrent loans to loans | 1.7305% | 1,678 |
| Net loans and leases to total assets | 39.4673% | 5,779 |
| Net loans and leases to deposits | 44.3009% | 5,868 |
| Net loans and leases to core deposits | 45.7874% | 5,902 |
| Total domestic deposits to total assets | 89.0891% | 1,186 |
| Equity capital to assets | 10.4008% | 3,607 |
| Core capital (leverage) ratio | 11.1099% | 2,303 |
| Tier 1 risk-based capital ratio | 21.1960% | 1,359 |
| Total risk-based capital ratio | 22.3681% | 1,351 |
| Memoranda: | ||
| Average total assets | $27,078,600 | 6,311 |
| Average earning assets | $24,735,400 | 6,281 |
| Average equity | $3,017,600 | 6,270 |
| Average total loans | $9,723,200 | 6,323 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4219% | 5,553 |
| Cost of funding earning assets | 0.3875% | 3,931 |
| Net interest margin | 3.0344% | 5,422 |
| Noninterest income to average assets | 0.2493% | 5,432 |
| Noninterest expense to average assets | 3.0811% | 2,522 |
| Loan and lease loss provision to assets | 0.4587% | 335 |
| Net operating income to assets | -0.5185% | 6,374 |
| Return on assets (ROA) | -0.1246% | 6,240 |
| Pretax return on assets | -0.1246% | 6,217 |
| Return on Equity (ROE) | -1.0989% | 6,233 |
| Retained earnings to average equity (ytd only) | -1.0989% | 5,977 |
| Net charge-offs to loans | 0.6159% | 592 |
| Credit loss provision to net charge-offs | 213.9535% | 1,199 |
| Earnings coverage of net charge-offs (x) | -0.2791% | 4,482 |
| Efficiency ratio | 101.9802% | 328 |
| Assets per employee ($millions) | 4.2430% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0221% | 1,220 |
| Loan loss allowance to noncurrent loans | 51.0753% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 1.7480% | 1,709 |
| Noncurrent loans to loans | 3.9591% | 542 |
| Net loans and leases to total assets | 36.1615% | 6,024 |
| Net loans and leases to deposits | 41.2344% | 6,081 |
| Net loans and leases to core deposits | 43.4758% | 6,065 |
| Total domestic deposits to total assets | 87.6974% | 1,920 |
| Equity capital to assets | 11.8902% | 2,164 |
| Core capital (leverage) ratio | 11.9744% | 1,711 |
| Tier 1 risk-based capital ratio | 26.6655% | 730 |
| Total risk-based capital ratio | 27.9259% | 712 |
| Memoranda: | ||
| Average total assets | $26,743,000 | 6,392 |
| Average earning assets | $24,430,000 | 6,362 |
| Average equity | $3,033,000 | 6,337 |
| Average total loans | $9,308,000 | 6,407 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3904% | 5,639 |
| Cost of funding earning assets | 0.4097% | 3,777 |
| Net interest margin | 2.9807% | 5,575 |
| Noninterest income to average assets | 0.2871% | 5,128 |
| Noninterest expense to average assets | 2.7971% | 3,523 |
| Loan and lease loss provision to assets | 0.2135% | 1,104 |
| Net operating income to assets | 0.0074% | 6,176 |
| Return on assets (ROA) | 0.0074% | 6,199 |
| Pretax return on assets | 0.0074% | 6,188 |
| Return on Equity (ROE) | 0.0659% | 6,199 |
| Retained earnings to average equity (ytd only) | 0.0659% | 5,652 |
| Net charge-offs to loans | 0.4311% | 951 |
| Credit loss provision to net charge-offs | 145.0000% | 1,494 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 3,792 |
| Efficiency ratio | 92.6829% | 721 |
| Assets per employee ($millions) | 3.7846% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 2,329 |
| Loan loss allowance to noncurrent loans | 54.3478% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 1.3363% | 2,447 |
| Noncurrent loans to loans | 3.0138% | 958 |
| Net loans and leases to total assets | 34.0027% | 6,144 |
| Net loans and leases to deposits | 38.7274% | 6,197 |
| Net loans and leases to core deposits | 41.6805% | 6,161 |
| Total domestic deposits to total assets | 87.8001% | 2,035 |
| Equity capital to assets | 11.8187% | 2,135 |
| Core capital (leverage) ratio | 11.3820% | 2,096 |
| Tier 1 risk-based capital ratio | 27.4718% | 673 |
| Total risk-based capital ratio | 28.7241% | 661 |
| Memoranda: | ||
| Average total assets | $27,171,330 | 6,443 |
| Average earning assets | $24,893,670 | 6,414 |
| Average equity | $3,035,000 | 6,386 |
| Average total loans | $9,278,670 | 6,469 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3265% | 5,792 |
| Cost of funding earning assets | 0.4318% | 3,631 |
| Net interest margin | 2.8947% | 5,764 |
| Noninterest income to average assets | 0.2617% | 5,266 |
| Noninterest expense to average assets | 2.7480% | 3,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1454% | 5,940 |
| Return on assets (ROA) | 0.1454% | 5,972 |
| Pretax return on assets | 0.1454% | 6,016 |
| Return on Equity (ROE) | 1.3391% | 5,965 |
| Retained earnings to average equity (ytd only) | 1.3391% | 5,078 |
| Net charge-offs to loans | -0.0428% | 5,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9749% | 695 |
| Assets per employee ($millions) | 3.9784% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 2,809 |
| Loan loss allowance to noncurrent loans | 35.5000% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 1.7200% | 2,049 |
| Noncurrent loans to loans | 4.4366% | 552 |
| Net loans and leases to total assets | 31.8647% | 6,270 |
| Net loans and leases to deposits | 35.9199% | 6,323 |
| Net loans and leases to core deposits | 38.4856% | 6,298 |
| Total domestic deposits to total assets | 88.7105% | 1,827 |
| Equity capital to assets | 10.9232% | 2,792 |
| Core capital (leverage) ratio | 11.2105% | 2,214 |
| Tier 1 risk-based capital ratio | 27.4209% | 687 |
| Total risk-based capital ratio | 28.6586% | 673 |
| Memoranda: | ||
| Average total assets | $27,511,000 | 6,506 |
| Average earning assets | $25,011,000 | 6,477 |
| Average equity | $2,987,000 | 6,448 |
| Average total loans | $9,339,000 | 6,538 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5990% | 5,407 |
| Cost of funding earning assets | 0.5459% | 3,147 |
| Net interest margin | 3.0531% | 5,446 |
| Noninterest income to average assets | 0.2473% | 5,572 |
| Noninterest expense to average assets | 2.8403% | 3,570 |
| Loan and lease loss provision to assets | 0.2327% | 1,548 |
| Net operating income to assets | -0.0800% | 6,280 |
| Return on assets (ROA) | 0.3128% | 5,573 |
| Pretax return on assets | 0.3128% | 5,697 |
| Return on Equity (ROE) | 2.6644% | 5,627 |
| Retained earnings to average equity (ytd only) | 2.1996% | 4,685 |
| Net charge-offs to loans | 0.5697% | 1,154 |
| Credit loss provision to net charge-offs | 118.5185% | 2,023 |
| Earnings coverage of net charge-offs (x) | 0.7778% | 4,829 |
| Efficiency ratio | 94.8967% | 704 |
| Assets per employee ($millions) | 4.5288% | 2,854 |
| Cash dividends to net income (ytd only)* | 17.4419% | 3,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 3,377 |
| Loan loss allowance to noncurrent loans | 28.2565% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 1.8364% | 1,993 |
| Noncurrent loans to loans | 5.1646% | 471 |
| Net loans and leases to total assets | 35.0385% | 6,244 |
| Net loans and leases to deposits | 39.4342% | 6,321 |
| Net loans and leases to core deposits | 42.3174% | 6,295 |
| Total domestic deposits to total assets | 88.8529% | 1,722 |
| Equity capital to assets | 10.7901% | 2,830 |
| Core capital (leverage) ratio | 11.3438% | 2,079 |
| Tier 1 risk-based capital ratio | 26.3995% | 741 |
| Total risk-based capital ratio | 27.5865% | 723 |
| Memoranda: | ||
| Average total assets | $27,497,400 | 6,571 |
| Average earning assets | $24,729,000 | 6,560 |
| Average equity | $3,227,800 | 6,491 |
| Average total loans | $9,478,400 | 6,610 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6725% | 5,245 |
| Cost of funding earning assets | 0.5625% | 3,147 |
| Net interest margin | 3.1100% | 5,293 |
| Noninterest income to average assets | 0.2707% | 5,513 |
| Noninterest expense to average assets | 2.6300% | 4,279 |
| Loan and lease loss provision to assets | 0.1740% | 2,088 |
| Net operating income to assets | 0.2466% | 5,788 |
| Return on assets (ROA) | 0.7687% | 3,640 |
| Pretax return on assets | 0.7687% | 4,426 |
| Return on Equity (ROE) | 6.4205% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.4205% | 2,173 |
| Net charge-offs to loans | 0.6644% | 912 |
| Credit loss provision to net charge-offs | 76.5957% | 2,932 |
| Earnings coverage of net charge-offs (x) | 1.8510% | 4,211 |
| Efficiency ratio | 86.2124% | 1,343 |
| Assets per employee ($millions) | 4.4687% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 4,626 |
| Loan loss allowance to noncurrent loans | 34.5821% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 1.2942% | 3,063 |
| Noncurrent loans to loans | 3.6236% | 1,028 |
| Net loans and leases to total assets | 35.2678% | 6,312 |
| Net loans and leases to deposits | 40.0017% | 6,382 |
| Net loans and leases to core deposits | 42.9896% | 6,350 |
| Total domestic deposits to total assets | 88.1657% | 2,019 |
| Equity capital to assets | 11.5396% | 2,277 |
| Core capital (leverage) ratio | 11.8980% | 1,740 |
| Tier 1 risk-based capital ratio | 27.3615% | 679 |
| Total risk-based capital ratio | 28.3799% | 679 |
| Memoranda: | ||
| Average total assets | $27,578,500 | 6,648 |
| Average earning assets | $24,650,750 | 6,636 |
| Average equity | $3,301,750 | 6,546 |
| Average total loans | $9,432,500 | 6,685 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6602% | 5,258 |
| Cost of funding earning assets | 0.5805% | 3,127 |
| Net interest margin | 3.0797% | 5,332 |
| Noninterest income to average assets | 0.2659% | 5,550 |
| Noninterest expense to average assets | 2.5293% | 4,633 |
| Loan and lease loss provision to assets | 0.2227% | 1,698 |
| Net operating income to assets | 0.2587% | 5,749 |
| Return on assets (ROA) | 1.0563% | 2,207 |
| Pretax return on assets | 1.0563% | 3,272 |
| Return on Equity (ROE) | 8.7214% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.7214% | 1,218 |
| Net charge-offs to loans | 0.8738% | 716 |
| Credit loss provision to net charge-offs | 75.6098% | 2,711 |
| Earnings coverage of net charge-offs (x) | 1.6341% | 3,978 |
| Efficiency ratio | 84.0095% | 1,633 |
| Assets per employee ($millions) | 4.5303% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 4,373 |
| Loan loss allowance to noncurrent loans | 37.9310% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 1.1736% | 3,404 |
| Noncurrent loans to loans | 3.5009% | 1,218 |
| Net loans and leases to total assets | 33.0770% | 6,456 |
| Net loans and leases to deposits | 37.4079% | 6,508 |
| Net loans and leases to core deposits | 40.1474% | 6,467 |
| Total domestic deposits to total assets | 88.4225% | 1,970 |
| Equity capital to assets | 11.3053% | 2,459 |
| Core capital (leverage) ratio | 11.8032% | 1,722 |
| Tier 1 risk-based capital ratio | 27.4483% | 663 |
| Total risk-based capital ratio | 28.4823% | 663 |
| Memoranda: | ||
| Average total assets | $27,834,000 | 6,696 |
| Average earning assets | $24,807,670 | 6,683 |
| Average equity | $3,371,000 | 6,584 |
| Average total loans | $9,384,670 | 6,732 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7824% | 4,882 |
| Cost of funding earning assets | 0.5930% | 3,171 |
| Net interest margin | 3.1894% | 4,961 |
| Noninterest income to average assets | 0.3551% | 4,834 |
| Noninterest expense to average assets | 2.5568% | 4,547 |
| Loan and lease loss provision to assets | 0.3693% | 868 |
| Net operating income to assets | 0.2557% | 5,707 |
| Return on assets (ROA) | 1.8324% | 502 |
| Pretax return on assets | 1.8324% | 835 |
| Return on Equity (ROE) | 14.6591% | 831 |
| Retained earnings to average equity (ytd only) | 14.6591% | 379 |
| Net charge-offs to loans | 1.5124% | 356 |
| Credit loss provision to net charge-offs | 72.2222% | 2,258 |
| Earnings coverage of net charge-offs (x) | 1.2222% | 3,421 |
| Efficiency ratio | 80.3571% | 2,274 |
| Assets per employee ($millions) | 4.0214% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 4,716 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 4,674 |
| Noncurrent loans to loans | 2.0743% | 2,538 |
| Net loans and leases to total assets | 32.4547% | 6,490 |
| Net loans and leases to deposits | 37.1533% | 6,536 |
| Net loans and leases to core deposits | 39.8048% | 6,490 |
| Total domestic deposits to total assets | 87.3535% | 2,722 |
| Equity capital to assets | 12.2345% | 1,878 |
| Core capital (leverage) ratio | 11.6971% | 1,751 |
| Tier 1 risk-based capital ratio | 26.3945% | 755 |
| Total risk-based capital ratio | 27.3862% | 760 |
| Memoranda: | ||
| Average total assets | $28,160,000 | 6,752 |
| Average earning assets | $24,957,500 | 6,745 |
| Average equity | $3,520,000 | 6,623 |
| Average total loans | $9,521,000 | 6,800 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 4,710 |
| Cost of funding earning assets | 0.8033% | 2,637 |
| Net interest margin | 3.3613% | 5,030 |
| Noninterest income to average assets | 0.2539% | 5,649 |
| Noninterest expense to average assets | 2.6896% | 4,437 |
| Loan and lease loss provision to assets | 0.1950% | 3,199 |
| Net operating income to assets | 0.3716% | 5,215 |
| Return on assets (ROA) | 0.3716% | 5,446 |
| Pretax return on assets | 0.3716% | 5,650 |
| Return on Equity (ROE) | 2.9470% | 5,569 |
| Retained earnings to average equity (ytd only) | 2.5093% | 4,462 |
| Net charge-offs to loans | 0.5254% | 2,151 |
| Credit loss provision to net charge-offs | 112.7660% | 2,582 |
| Earnings coverage of net charge-offs (x) | 3.2766% | 3,791 |
| Efficiency ratio | 82.5989% | 1,797 |
| Assets per employee ($millions) | 4.0243% | 3,899 |
| Cash dividends to net income (ytd only)* | 14.8515% | 3,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 4,461 |
| Loan loss allowance to noncurrent loans | 50.5792% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 0.9194% | 4,195 |
| Noncurrent loans to loans | 2.6466% | 2,000 |
| Net loans and leases to total assets | 34.2741% | 6,535 |
| Net loans and leases to deposits | 39.4033% | 6,578 |
| Net loans and leases to core deposits | 42.7118% | 6,517 |
| Total domestic deposits to total assets | 86.9826% | 2,853 |
| Equity capital to assets | 12.7654% | 1,558 |
| Core capital (leverage) ratio | 11.4000% | 1,937 |
| Tier 1 risk-based capital ratio | 25.1745% | 830 |
| Total risk-based capital ratio | 26.2505% | 843 |
| Memoranda: | ||
| Average total assets | $27,178,800 | 6,819 |
| Average earning assets | $24,276,000 | 6,809 |
| Average equity | $3,427,200 | 6,701 |
| Average total loans | $8,944,800 | 6,886 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 4,820 |
| Cost of funding earning assets | 0.8430% | 2,606 |
| Net interest margin | 3.3555% | 5,198 |
| Noninterest income to average assets | 0.2723% | 5,608 |
| Noninterest expense to average assets | 2.8022% | 3,973 |
| Loan and lease loss provision to assets | 0.2525% | 2,549 |
| Net operating income to assets | 0.2129% | 5,884 |
| Return on assets (ROA) | 0.2129% | 6,058 |
| Pretax return on assets | 0.2129% | 6,100 |
| Return on Equity (ROE) | 1.6936% | 6,100 |
| Retained earnings to average equity (ytd only) | 1.6936% | 5,483 |
| Net charge-offs to loans | 0.7022% | 1,574 |
| Credit loss provision to net charge-offs | 110.8696% | 2,644 |
| Earnings coverage of net charge-offs (x) | 2.0435% | 4,245 |
| Efficiency ratio | 85.7576% | 1,402 |
| Assets per employee ($millions) | 3.8929% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 4,082 |
| Loan loss allowance to noncurrent loans | 53.2787% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 0.8954% | 4,494 |
| Noncurrent loans to loans | 2.7536% | 2,057 |
| Net loans and leases to total assets | 32.0404% | 6,739 |
| Net loans and leases to deposits | 37.4914% | 6,768 |
| Net loans and leases to core deposits | 40.8105% | 6,712 |
| Total domestic deposits to total assets | 85.4606% | 3,534 |
| Equity capital to assets | 12.8294% | 1,688 |
| Core capital (leverage) ratio | 11.4458% | 2,026 |
| Tier 1 risk-based capital ratio | 27.3716% | 710 |
| Total risk-based capital ratio | 28.5494% | 697 |
| Memoranda: | ||
| Average total assets | $26,931,000 | 6,912 |
| Average earning assets | $24,039,500 | 6,903 |
| Average equity | $3,385,000 | 6,798 |
| Average total loans | $8,734,500 | 6,989 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2361% | 4,830 |
| Cost of funding earning assets | 0.8623% | 2,713 |
| Net interest margin | 3.3738% | 5,193 |
| Noninterest income to average assets | 0.2684% | 5,657 |
| Noninterest expense to average assets | 2.7437% | 4,237 |
| Loan and lease loss provision to assets | 0.1566% | 3,559 |
| Net operating income to assets | 0.3728% | 5,339 |
| Return on assets (ROA) | 0.3728% | 5,561 |
| Pretax return on assets | 0.3728% | 5,775 |
| Return on Equity (ROE) | 2.9869% | 5,700 |
| Retained earnings to average equity (ytd only) | 2.9869% | 4,654 |
| Net charge-offs to loans | 0.3681% | 2,545 |
| Credit loss provision to net charge-offs | 131.2500% | 2,091 |
| Earnings coverage of net charge-offs (x) | 4.4375% | 3,084 |
| Efficiency ratio | 83.8269% | 1,653 |
| Assets per employee ($millions) | 3.3631% | 5,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 4,110 |
| Loan loss allowance to noncurrent loans | 44.8276% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 1.1522% | 4,084 |
| Noncurrent loans to loans | 3.3026% | 1,768 |
| Net loans and leases to total assets | 32.1539% | 6,797 |
| Net loans and leases to deposits | 37.1910% | 6,835 |
| Net loans and leases to core deposits | 39.5547% | 6,812 |
| Total domestic deposits to total assets | 86.4560% | 3,099 |
| Equity capital to assets | 12.8117% | 1,615 |
| Core capital (leverage) ratio | 11.5807% | 1,847 |
| Tier 1 risk-based capital ratio | 26.8202% | 741 |
| Total risk-based capital ratio | 27.9717% | 738 |
| Memoranda: | ||
| Average total assets | $26,824,670 | 6,971 |
| Average earning assets | $23,889,670 | 6,965 |
| Average equity | $3,348,000 | 6,843 |
| Average total loans | $8,692,330 | 7,048 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5765% | 3,613 |
| Cost of funding earning assets | 0.8717% | 2,904 |
| Net interest margin | 3.7048% | 3,802 |
| Noninterest income to average assets | 0.3734% | 4,876 |
| Noninterest expense to average assets | 2.7628% | 4,193 |
| Loan and lease loss provision to assets | 0.1792% | 3,179 |
| Net operating income to assets | 0.7318% | 3,726 |
| Return on assets (ROA) | 0.7318% | 3,961 |
| Pretax return on assets | 0.7318% | 4,682 |
| Return on Equity (ROE) | 5.9421% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.9421% | 2,989 |
| Net charge-offs to loans | 0.3238% | 2,355 |
| Credit loss provision to net charge-offs | 171.4286% | 1,491 |
| Earnings coverage of net charge-offs (x) | 8.7143% | 1,924 |
| Efficiency ratio | 75.2033% | 2,910 |
| Assets per employee ($millions) | 3.7871% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 4,079 |
| Loan loss allowance to noncurrent loans | 58.2960% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 0.9166% | 4,687 |
| Noncurrent loans to loans | 2.6024% | 2,499 |
| Net loans and leases to total assets | 31.8333% | 6,838 |
| Net loans and leases to deposits | 36.6881% | 6,866 |
| Net loans and leases to core deposits | 39.0387% | 6,847 |
| Total domestic deposits to total assets | 86.7673% | 3,085 |
| Equity capital to assets | 12.6292% | 1,644 |
| Core capital (leverage) ratio | 11.6988% | 1,771 |
| Tier 1 risk-based capital ratio | 27.4499% | 692 |
| Total risk-based capital ratio | 28.6284% | 676 |
| Memoranda: | ||
| Average total assets | $26,784,500 | 7,032 |
| Average earning assets | $23,861,000 | 7,025 |
| Average equity | $3,298,500 | 6,896 |
| Average total loans | $8,648,000 | 7,113 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0899% | 2,492 |
| Cost of funding earning assets | 1.2019% | 2,014 |
| Net interest margin | 3.8880% | 3,388 |
| Noninterest income to average assets | 0.2789% | 5,533 |
| Noninterest expense to average assets | 3.1240% | 3,117 |
| Loan and lease loss provision to assets | 0.1536% | 4,703 |
| Net operating income to assets | 0.4526% | 4,628 |
| Return on assets (ROA) | 0.4648% | 4,769 |
| Pretax return on assets | 0.4648% | 5,093 |
| Return on Equity (ROE) | 3.7869% | 4,956 |
| Retained earnings to average equity (ytd only) | 3.2929% | 3,882 |
| Net charge-offs to loans | 0.7838% | 2,199 |
| Credit loss provision to net charge-offs | 52.0548% | 5,379 |
| Earnings coverage of net charge-offs (x) | 2.0548% | 4,242 |
| Efficiency ratio | 83.7486% | 1,793 |
| Assets per employee ($millions) | 3.0066% | 6,068 |
| Cash dividends to net income (ytd only)* | 13.0435% | 3,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 4,323 |
| Loan loss allowance to noncurrent loans | 57.3394% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 0.8980% | 4,816 |
| Noncurrent loans to loans | 2.4980% | 2,626 |
| Net loans and leases to total assets | 31.7898% | 6,948 |
| Net loans and leases to deposits | 36.3291% | 6,986 |
| Net loans and leases to core deposits | 38.5775% | 6,982 |
| Total domestic deposits to total assets | 87.5051% | 2,467 |
| Equity capital to assets | 12.0071% | 2,121 |
| Core capital (leverage) ratio | 11.4764% | 1,910 |
| Tier 1 risk-based capital ratio | 26.3051% | 753 |
| Total risk-based capital ratio | 27.4092% | 750 |
| Memoranda: | ||
| Average total assets | $24,744,200 | 7,110 |
| Average earning assets | $21,965,000 | 7,111 |
| Average equity | $3,036,800 | 7,003 |
| Average total loans | $9,313,800 | 7,138 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3008% | 1,852 |
| Cost of funding earning assets | 1.2458% | 2,020 |
| Net interest margin | 4.0550% | 2,672 |
| Noninterest income to average assets | 0.2979% | 5,478 |
| Noninterest expense to average assets | 3.0787% | 3,237 |
| Loan and lease loss provision to assets | 0.1545% | 4,535 |
| Net operating income to assets | 0.6566% | 3,842 |
| Return on assets (ROA) | 0.6621% | 3,987 |
| Pretax return on assets | 0.6621% | 4,604 |
| Return on Equity (ROE) | 5.3624% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.3624% | 2,940 |
| Net charge-offs to loans | 0.7188% | 2,116 |
| Credit loss provision to net charge-offs | 54.9020% | 4,931 |
| Earnings coverage of net charge-offs (x) | 2.8824% | 3,701 |
| Efficiency ratio | 79.1489% | 2,384 |
| Assets per employee ($millions) | 3.5414% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5190% | 4,015 |
| Loan loss allowance to noncurrent loans | 75.2747% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 5,042 |
| Noncurrent loans to loans | 2.0180% | 3,343 |
| Net loans and leases to total assets | 35.8290% | 6,874 |
| Net loans and leases to deposits | 41.5843% | 6,929 |
| Net loans and leases to core deposits | 44.4433% | 6,906 |
| Total domestic deposits to total assets | 86.1597% | 3,124 |
| Equity capital to assets | 13.2876% | 1,470 |
| Core capital (leverage) ratio | 12.4110% | 1,478 |
| Tier 1 risk-based capital ratio | 26.9743% | 738 |
| Total risk-based capital ratio | 28.2065% | 728 |
| Memoranda: | ||
| Average total assets | $24,165,500 | 7,195 |
| Average earning assets | $21,405,250 | 7,191 |
| Average equity | $2,983,750 | 7,076 |
| Average total loans | $9,460,500 | 7,200 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3721% | 1,643 |
| Cost of funding earning assets | 1.2840% | 2,041 |
| Net interest margin | 4.0881% | 2,453 |
| Noninterest income to average assets | 0.3089% | 5,421 |
| Noninterest expense to average assets | 3.1389% | 3,118 |
| Loan and lease loss provision to assets | 0.2337% | 3,574 |
| Net operating income to assets | 0.5510% | 4,307 |
| Return on assets (ROA) | 0.5510% | 4,437 |
| Pretax return on assets | 0.5510% | 4,904 |
| Return on Equity (ROE) | 4.5828% | 4,654 |
| Retained earnings to average equity (ytd only) | 4.5828% | 3,271 |
| Net charge-offs to loans | 0.5829% | 2,363 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 3.3571% | 3,199 |
| Efficiency ratio | 80.0000% | 2,388 |
| Assets per employee ($millions) | 3.0003% | 6,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7363% | 3,201 |
| Loan loss allowance to noncurrent loans | 68.0851% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 0.9791% | 4,905 |
| Noncurrent loans to loans | 2.5502% | 2,831 |
| Net loans and leases to total assets | 37.7260% | 6,878 |
| Net loans and leases to deposits | 43.3897% | 6,940 |
| Net loans and leases to core deposits | 46.4669% | 6,911 |
| Total domestic deposits to total assets | 86.9469% | 2,771 |
| Equity capital to assets | 12.7281% | 1,657 |
| Core capital (leverage) ratio | 12.2990% | 1,455 |
| Tier 1 risk-based capital ratio | 26.1082% | 805 |
| Total risk-based capital ratio | 27.4468% | 776 |
| Memoranda: | ||
| Average total assets | $23,957,330 | 7,266 |
| Average earning assets | $21,183,670 | 7,266 |
| Average equity | $2,880,330 | 7,159 |
| Average total loans | $9,607,670 | 7,268 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3642% | 1,688 |
| Cost of funding earning assets | 1.3410% | 1,944 |
| Net interest margin | 4.0231% | 2,594 |
| Noninterest income to average assets | 0.3342% | 5,230 |
| Noninterest expense to average assets | 3.1084% | 3,211 |
| Loan and lease loss provision to assets | 0.2173% | 3,480 |
| Net operating income to assets | 0.5682% | 4,187 |
| Return on assets (ROA) | 0.5682% | 4,261 |
| Pretax return on assets | 0.5682% | 4,807 |
| Return on Equity (ROE) | 4.8693% | 4,469 |
| Retained earnings to average equity (ytd only) | 4.8693% | 3,271 |
| Net charge-offs to loans | 0.5304% | 2,167 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 3.6154% | 2,691 |
| Efficiency ratio | 79.8283% | 2,570 |
| Assets per employee ($millions) | 3.3949% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 3,452 |
| Loan loss allowance to noncurrent loans | 38.5542% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 1.7463% | 3,644 |
| Noncurrent loans to loans | 4.3283% | 1,633 |
| Net loans and leases to total assets | 39.6735% | 6,802 |
| Net loans and leases to deposits | 45.2269% | 6,899 |
| Net loans and leases to core deposits | 49.0837% | 6,828 |
| Total domestic deposits to total assets | 87.7209% | 2,544 |
| Equity capital to assets | 11.9424% | 1,953 |
| Core capital (leverage) ratio | 11.8951% | 1,619 |
| Tier 1 risk-based capital ratio | 25.0969% | 867 |
| Total risk-based capital ratio | 26.4323% | 841 |
| Memoranda: | ||
| Average total assets | $23,935,000 | 7,316 |
| Average earning assets | $21,177,500 | 7,316 |
| Average equity | $2,793,000 | 7,226 |
| Average total loans | $9,804,000 | 7,322 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7083% | 1,540 |
| Cost of funding earning assets | 1.7105% | 1,552 |
| Net interest margin | 3.9978% | 3,029 |
| Noninterest income to average assets | 0.3592% | 5,237 |
| Noninterest expense to average assets | 3.5832% | 1,965 |
| Loan and lease loss provision to assets | 0.1665% | 5,554 |
| Net operating income to assets | 0.1314% | 5,496 |
| Return on assets (ROA) | 0.1314% | 5,648 |
| Pretax return on assets | 0.1314% | 5,638 |
| Return on Equity (ROE) | 1.0249% | 5,679 |
| Retained earnings to average equity (ytd only) | 0.5125% | 5,321 |
| Net charge-offs to loans | 0.5376% | 3,462 |
| Credit loss provision to net charge-offs | 71.6981% | 5,819 |
| Earnings coverage of net charge-offs (x) | 1.2830% | 4,818 |
| Efficiency ratio | 92.3251% | 1,162 |
| Assets per employee ($millions) | 3.0133% | 6,074 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 3,588 |
| Loan loss allowance to noncurrent loans | 46.9208% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 1.4146% | 4,224 |
| Noncurrent loans to loans | 3.4032% | 2,235 |
| Net loans and leases to total assets | 40.9027% | 6,910 |
| Net loans and leases to deposits | 46.3259% | 7,027 |
| Net loans and leases to core deposits | 50.4219% | 6,963 |
| Total domestic deposits to total assets | 88.2934% | 2,068 |
| Equity capital to assets | 11.3997% | 2,341 |
| Core capital (leverage) ratio | 12.0865% | 1,489 |
| Tier 1 risk-based capital ratio | 23.8862% | 943 |
| Total risk-based capital ratio | 25.2136% | 917 |
| Memoranda: | ||
| Average total assets | $22,828,600 | 7,400 |
| Average earning assets | $20,111,000 | 7,399 |
| Average equity | $2,927,000 | 7,296 |
| Average total loans | $9,859,400 | 7,401 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8546% | 1,245 |
| Cost of funding earning assets | 1.7698% | 1,549 |
| Net interest margin | 4.0847% | 2,690 |
| Noninterest income to average assets | 0.3732% | 5,166 |
| Noninterest expense to average assets | 3.3408% | 2,453 |
| Loan and lease loss provision to assets | 0.2132% | 4,928 |
| Net operating income to assets | 0.4146% | 4,684 |
| Return on assets (ROA) | 0.4146% | 4,861 |
| Pretax return on assets | 0.4146% | 5,177 |
| Return on Equity (ROE) | 3.1406% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.1406% | 4,234 |
| Net charge-offs to loans | 0.6925% | 2,685 |
| Credit loss provision to net charge-offs | 70.5882% | 5,402 |
| Earnings coverage of net charge-offs (x) | 2.0784% | 4,166 |
| Efficiency ratio | 84.1791% | 1,815 |
| Assets per employee ($millions) | 3.1554% | 5,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6118% | 3,477 |
| Loan loss allowance to noncurrent loans | 88.3978% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.8783% | 5,340 |
| Noncurrent loans to loans | 1.8233% | 3,908 |
| Net loans and leases to total assets | 44.2186% | 6,823 |
| Net loans and leases to deposits | 51.6090% | 6,906 |
| Net loans and leases to core deposits | 56.7618% | 6,812 |
| Total domestic deposits to total assets | 85.6800% | 3,250 |
| Equity capital to assets | 13.9759% | 1,169 |
| Core capital (leverage) ratio | 12.9310% | 1,257 |
| Tier 1 risk-based capital ratio | 25.5934% | 806 |
| Total risk-based capital ratio | 26.9284% | 785 |
| Memoranda: | ||
| Average total assets | $22,509,250 | 7,503 |
| Average earning assets | $19,813,000 | 7,500 |
| Average equity | $2,971,750 | 7,379 |
| Average total loans | $9,819,250 | 7,499 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9539% | 1,045 |
| Cost of funding earning assets | 1.8226% | 1,551 |
| Net interest margin | 4.1313% | 2,423 |
| Noninterest income to average assets | 0.3885% | 5,007 |
| Noninterest expense to average assets | 3.0994% | 3,327 |
| Loan and lease loss provision to assets | 0.0795% | 6,145 |
| Net operating income to assets | 0.8124% | 2,913 |
| Return on assets (ROA) | 0.8124% | 3,063 |
| Pretax return on assets | 0.8124% | 3,838 |
| Return on Equity (ROE) | 6.2727% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.2727% | 2,186 |
| Net charge-offs to loans | 0.4702% | 3,127 |
| Credit loss provision to net charge-offs | 39.1304% | 5,625 |
| Earnings coverage of net charge-offs (x) | 4.3913% | 2,960 |
| Efficiency ratio | 77.6549% | 2,782 |
| Assets per employee ($millions) | 2.8646% | 6,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 3,203 |
| Loan loss allowance to noncurrent loans | 121.0526% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.6371% | 5,895 |
| Noncurrent loans to loans | 1.3762% | 4,642 |
| Net loans and leases to total assets | 41.4670% | 7,068 |
| Net loans and leases to deposits | 48.0071% | 7,160 |
| Net loans and leases to core deposits | 52.8297% | 7,093 |
| Total domestic deposits to total assets | 86.3769% | 2,882 |
| Equity capital to assets | 13.3700% | 1,402 |
| Core capital (leverage) ratio | 12.9130% | 1,239 |
| Tier 1 risk-based capital ratio | 25.7606% | 788 |
| Total risk-based capital ratio | 27.0944% | 767 |
| Memoranda: | ||
| Average total assets | $22,649,670 | 7,565 |
| Average earning assets | $19,751,670 | 7,560 |
| Average equity | $2,933,330 | 7,434 |
| Average total loans | $9,783,330 | 7,561 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9169% | 1,164 |
| Cost of funding earning assets | 1.8440% | 1,680 |
| Net interest margin | 4.0729% | 2,555 |
| Noninterest income to average assets | 0.4264% | 4,692 |
| Noninterest expense to average assets | 3.0911% | 3,303 |
| Loan and lease loss provision to assets | 0.1421% | 5,128 |
| Net operating income to assets | 0.7639% | 3,139 |
| Return on assets (ROA) | 0.7639% | 3,251 |
| Pretax return on assets | 0.7639% | 4,014 |
| Return on Equity (ROE) | 5.9972% | 3,886 |
| Retained earnings to average equity (ytd only) | 5.9972% | 2,626 |
| Net charge-offs to loans | 0.3251% | 3,113 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 6.3750% | 2,234 |
| Efficiency ratio | 77.3333% | 3,011 |
| Assets per employee ($millions) | 3.8002% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7928% | 2,758 |
| Loan loss allowance to noncurrent loans | 65.7895% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.2324% | 4,712 |
| Noncurrent loans to loans | 2.7251% | 2,931 |
| Net loans and leases to total assets | 42.0420% | 7,127 |
| Net loans and leases to deposits | 48.3873% | 7,215 |
| Net loans and leases to core deposits | 53.2112% | 7,148 |
| Total domestic deposits to total assets | 86.8865% | 2,683 |
| Equity capital to assets | 12.8372% | 1,587 |
| Core capital (leverage) ratio | 12.9206% | 1,237 |
| Tier 1 risk-based capital ratio | 24.4924% | 918 |
| Total risk-based capital ratio | 25.8236% | 888 |
| Memoranda: | ||
| Average total assets | $22,516,000 | 7,663 |
| Average earning assets | $19,740,000 | 7,662 |
| Average equity | $2,868,000 | 7,535 |
| Average total loans | $9,843,000 | 7,657 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3172% | 995 |
| Cost of funding earning assets | 2.0440% | 2,751 |
| Net interest margin | 4.2733% | 1,807 |
| Noninterest income to average assets | 0.3681% | 5,459 |
| Noninterest expense to average assets | 3.7186% | 1,866 |
| Loan and lease loss provision to assets | 0.5079% | 3,836 |
| Net operating income to assets | -0.0559% | 5,595 |
| Return on assets (ROA) | -0.0559% | 5,621 |
| Pretax return on assets | -0.0979% | 5,598 |
| Return on Equity (ROE) | -0.4141% | 5,604 |
| Retained earnings to average equity (ytd only) | -0.9316% | 5,236 |
| Net charge-offs to loans | 0.8422% | 2,723 |
| Credit loss provision to net charge-offs | 128.2353% | 4,023 |
| Earnings coverage of net charge-offs (x) | 1.0353% | 5,074 |
| Efficiency ratio | 90.0677% | 1,703 |
| Assets per employee ($millions) | 3.1759% | 5,778 |
| Cash dividends to net income (ytd only)* | -125.0000% | 7,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7632% | 2,664 |
| Loan loss allowance to noncurrent loans | 87.9397% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.8951% | 5,310 |
| Noncurrent loans to loans | 2.0050% | 3,645 |
| Net loans and leases to total assets | 43.8577% | 7,125 |
| Net loans and leases to deposits | 50.3538% | 7,244 |
| Net loans and leases to core deposits | 65.6964% | 7,000 |
| Total domestic deposits to total assets | 87.0991% | 2,441 |
| Equity capital to assets | 12.6355% | 1,678 |
| Core capital (leverage) ratio | 12.6815% | 1,360 |
| Tier 1 risk-based capital ratio | 24.0814% | 939 |
| Total risk-based capital ratio | 25.3342% | 916 |
| Memoranda: | ||
| Average total assets | $21,459,600 | 7,733 |
| Average earning assets | $18,884,800 | 7,736 |
| Average equity | $2,898,200 | 7,617 |
| Average total loans | $10,092,600 | 7,706 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3853% | 950 |
| Cost of funding earning assets | 2.0690% | 3,036 |
| Net interest margin | 4.3163% | 1,691 |
| Noninterest income to average assets | 0.3824% | 5,459 |
| Noninterest expense to average assets | 3.4545% | 2,406 |
| Loan and lease loss provision to assets | 0.6332% | 2,861 |
| Net operating income to assets | 0.0878% | 5,506 |
| Return on assets (ROA) | 0.0878% | 5,554 |
| Pretax return on assets | 0.0878% | 5,549 |
| Return on Equity (ROE) | 0.6393% | 5,599 |
| Retained earnings to average equity (ytd only) | 0.6393% | 4,926 |
| Net charge-offs to loans | 0.9999% | 1,972 |
| Credit loss provision to net charge-offs | 132.8947% | 3,764 |
| Earnings coverage of net charge-offs (x) | 1.5132% | 4,650 |
| Efficiency ratio | 82.7327% | 2,473 |
| Assets per employee ($millions) | 3.1467% | 5,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7932% | 2,299 |
| Loan loss allowance to noncurrent loans | 58.4718% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.4800% | 4,157 |
| Noncurrent loans to loans | 3.0667% | 2,467 |
| Net loans and leases to total assets | 43.7599% | 7,261 |
| Net loans and leases to deposits | 50.6516% | 7,380 |
| Net loans and leases to core deposits | 65.8357% | 7,166 |
| Total domestic deposits to total assets | 86.3940% | 2,479 |
| Equity capital to assets | 13.2837% | 1,581 |
| Core capital (leverage) ratio | 13.6027% | 1,203 |
| Tier 1 risk-based capital ratio | 24.5728% | 942 |
| Total risk-based capital ratio | 25.9093% | 909 |
| Memoranda: | ||
| Average total assets | $21,266,750 | 7,816 |
| Average earning assets | $18,688,250 | 7,815 |
| Average equity | $2,920,500 | 7,682 |
| Average total loans | $10,134,500 | 7,775 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5035% | 820 |
| Cost of funding earning assets | 2.1245% | 3,162 |
| Net interest margin | 4.3790% | 1,451 |
| Noninterest income to average assets | 0.4283% | 5,051 |
| Noninterest expense to average assets | 3.4645% | 2,442 |
| Loan and lease loss provision to assets | 0.7234% | 2,268 |
| Net operating income to assets | 0.0857% | 5,605 |
| Return on assets (ROA) | 0.0857% | 5,703 |
| Pretax return on assets | 0.0857% | 5,706 |
| Return on Equity (ROE) | 0.6167% | 5,748 |
| Retained earnings to average equity (ytd only) | 0.6167% | 4,941 |
| Net charge-offs to loans | 1.4647% | 1,293 |
| Credit loss provision to net charge-offs | 101.3333% | 4,509 |
| Earnings coverage of net charge-offs (x) | 1.1333% | 4,674 |
| Efficiency ratio | 81.0690% | 2,874 |
| Assets per employee ($millions) | 2.6236% | 7,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 2,815 |
| Loan loss allowance to noncurrent loans | 153.5354% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 6,261 |
| Noncurrent loans to loans | 1.0314% | 5,155 |
| Net loans and leases to total assets | 45.0093% | 7,265 |
| Net loans and leases to deposits | 52.2107% | 7,372 |
| Net loans and leases to core deposits | 63.9088% | 7,304 |
| Total domestic deposits to total assets | 86.2071% | 2,673 |
| Equity capital to assets | 13.5214% | 1,486 |
| Core capital (leverage) ratio | 13.7885% | 1,194 |
| Tier 1 risk-based capital ratio | 25.4587% | 902 |
| Total risk-based capital ratio | 26.7931% | 878 |
| Memoranda: | ||
| Average total assets | $21,013,330 | 7,900 |
| Average earning assets | $18,451,670 | 7,902 |
| Average equity | $2,918,670 | 7,752 |
| Average total loans | $10,241,000 | 7,848 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7408% | 543 |
| Cost of funding earning assets | 2.1821% | 3,254 |
| Net interest margin | 4.5587% | 1,020 |
| Noninterest income to average assets | 0.4946% | 4,368 |
| Noninterest expense to average assets | 3.6717% | 1,707 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8371% | 2,964 |
| Return on assets (ROA) | 0.8371% | 3,113 |
| Pretax return on assets | 0.8371% | 3,944 |
| Return on Equity (ROE) | 5.9480% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.9480% | 2,653 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4346% | 2,618 |
| Assets per employee ($millions) | 3.4670% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 3,118 |
| Loan loss allowance to noncurrent loans | 163.0435% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 6,169 |
| Noncurrent loans to loans | 0.9039% | 5,193 |
| Net loans and leases to total assets | 48.2069% | 7,009 |
| Net loans and leases to deposits | 56.7387% | 7,114 |
| Net loans and leases to core deposits | 68.5347% | 7,106 |
| Total domestic deposits to total assets | 84.9630% | 3,223 |
| Equity capital to assets | 14.2150% | 1,301 |
| Core capital (leverage) ratio | 13.7800% | 1,240 |
| Tier 1 risk-based capital ratio | 25.0534% | 976 |
| Total risk-based capital ratio | 26.3338% | 949 |
| Memoranda: | ||
| Average total assets | $21,025,500 | 7,951 |
| Average earning assets | $18,514,000 | 7,944 |
| Average equity | $2,959,000 | 7,798 |
| Average total loans | $10,562,000 | 7,877 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8801% | 1,463 |
| Cost of funding earning assets | 2.4106% | 4,673 |
| Net interest margin | 4.4695% | 1,494 |
| Noninterest income to average assets | 0.5570% | 4,183 |
| Noninterest expense to average assets | 3.8256% | 1,707 |
| Loan and lease loss provision to assets | 0.0322% | 7,004 |
| Net operating income to assets | 0.7872% | 3,497 |
| Return on assets (ROA) | 0.7504% | 3,505 |
| Pretax return on assets | 0.6998% | 4,399 |
| Return on Equity (ROE) | 5.7691% | 4,037 |
| Retained earnings to average equity (ytd only) | 5.2382% | 1,887 |
| Net charge-offs to loans | 0.1513% | 4,690 |
| Credit loss provision to net charge-offs | 43.7500% | 6,420 |
| Earnings coverage of net charge-offs (x) | 10.4375% | 2,511 |
| Efficiency ratio | 83.2665% | 2,144 |
| Assets per employee ($millions) | 3.0356% | 5,968 |
| Cash dividends to net income (ytd only)* | 9.2025% | 4,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 3,311 |
| Loan loss allowance to noncurrent loans | 145.1923% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 5,740 |
| Noncurrent loans to loans | 0.9501% | 4,702 |
| Net loans and leases to total assets | 50.8024% | 6,953 |
| Net loans and leases to deposits | 59.5619% | 7,124 |
| Net loans and leases to core deposits | 73.2113% | 7,012 |
| Total domestic deposits to total assets | 85.2934% | 2,706 |
| Equity capital to assets | 13.9348% | 1,446 |
| Core capital (leverage) ratio | 13.7962% | 1,311 |
| Tier 1 risk-based capital ratio | 23.4032% | 1,151 |
| Total risk-based capital ratio | 24.6256% | 1,128 |
| Memoranda: | ||
| Average total assets | $21,721,800 | 7,964 |
| Average earning assets | $19,621,800 | 7,952 |
| Average equity | $2,825,400 | 7,888 |
| Average total loans | $10,574,600 | 7,915 |