Home > Farmers Bank > Performance and Condition Ratios
Farmers Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7319% | 895 |
| Cost of funding earning assets | 1.4810% | 1,987 |
| Net interest margin | 4.2509% | 875 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 3.7926% | 431 |
| Loan and lease loss provision to assets | 0.5300% | 165 |
| Net operating income to assets | -0.1709% | 4,448 |
| Return on assets (ROA) | -0.1709% | 4,434 |
| Pretax return on assets | -0.1352% | 4,416 |
| Return on Equity (ROE) | -1.4400% | 4,401 |
| Retained earnings to average equity (ytd only) | -1.4382% | 4,224 |
| Net charge-offs to loans | 0.1574% | 661 |
| Credit loss provision to net charge-offs | 597.5610% | 593 |
| Earnings coverage of net charge-offs (x) | 4.8049% | 2,562 |
| Efficiency ratio | 90.6413% | 393 |
| Assets per employee ($millions) | 2.4768% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 1,603 |
| Loan loss allowance to noncurrent loans | 472.4490% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 2,216 |
| Noncurrent loans to loans | 0.2840% | 2,166 |
| Net loans and leases to total assets | 62.4700% | 2,631 |
| Net loans and leases to deposits | 77.6397% | 2,304 |
| Net loans and leases to core deposits | 78.9031% | 2,769 |
| Total domestic deposits to total assets | 80.4600% | 3,385 |
| Equity capital to assets | 11.0297% | 1,466 |
| Core capital (leverage) ratio | 11.0218% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $50,309,000 | 4,320 |
| Average earning assets | $46,860,800 | 4,284 |
| Average equity | $5,979,800 | 4,162 |
| Average total loans | $26,054,600 | 4,203 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3729% | 1,174 |
| Cost of funding earning assets | 1.1755% | 2,509 |
| Net interest margin | 4.1974% | 926 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 3.8350% | 405 |
| Loan and lease loss provision to assets | 0.6800% | 106 |
| Net operating income to assets | -0.4574% | 4,533 |
| Return on assets (ROA) | -0.4574% | 4,519 |
| Pretax return on assets | -0.3897% | 4,499 |
| Return on Equity (ROE) | -3.7700% | 4,483 |
| Retained earnings to average equity (ytd only) | -3.7729% | 4,390 |
| Net charge-offs to loans | 0.1058% | 749 |
| Credit loss provision to net charge-offs | 1,315.7895% | 334 |
| Earnings coverage of net charge-offs (x) | 5.5789% | 2,344 |
| Efficiency ratio | 93.0401% | 294 |
| Assets per employee ($millions) | 2.4911% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,176 |
| Loan loss allowance to noncurrent loans | 24,500.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 3,261 |
| Noncurrent loans to loans | 0.0060% | 3,766 |
| Net loans and leases to total assets | 59.6900% | 2,877 |
| Net loans and leases to deposits | 74.6111% | 2,519 |
| Net loans and leases to core deposits | 75.8234% | 2,877 |
| Total domestic deposits to total assets | 80.0100% | 3,527 |
| Equity capital to assets | 10.6233% | 1,506 |
| Core capital (leverage) ratio | 11.8075% | 1,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $49,264,000 | 4,338 |
| Average earning assets | $45,710,000 | 4,313 |
| Average equity | $5,972,250 | 4,172 |
| Average total loans | $23,943,000 | 4,254 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 1,337 |
| Cost of funding earning assets | 0.9796% | 2,670 |
| Net interest margin | 4.1371% | 1,029 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 3.8678% | 380 |
| Loan and lease loss provision to assets | 0.6200% | 118 |
| Net operating income to assets | -0.4640% | 4,565 |
| Return on assets (ROA) | -0.4640% | 4,560 |
| Pretax return on assets | -0.3965% | 4,539 |
| Return on Equity (ROE) | -3.6500% | 4,523 |
| Retained earnings to average equity (ytd only) | -3.6531% | 4,370 |
| Net charge-offs to loans | 0.0192% | 1,513 |
| Credit loss provision to net charge-offs | 7,300.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,615 |
| Efficiency ratio | 94.6336% | 248 |
| Assets per employee ($millions) | 2.4643% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 1,075 |
| Loan loss allowance to noncurrent loans | 497.5309% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 2,413 |
| Noncurrent loans to loans | 0.3086% | 2,036 |
| Net loans and leases to total assets | 52.4400% | 3,375 |
| Net loans and leases to deposits | 60.0079% | 3,415 |
| Net loans and leases to core deposits | 61.0008% | 3,577 |
| Total domestic deposits to total assets | 87.3800% | 1,806 |
| Equity capital to assets | 11.9773% | 1,056 |
| Core capital (leverage) ratio | 12.0914% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $47,417,333 | 4,371 |
| Average earning assets | $43,895,667 | 4,348 |
| Average equity | $6,022,333 | 4,190 |
| Average total loans | $20,856,000 | 4,319 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 1,778 |
| Cost of funding earning assets | 0.8197% | 2,657 |
| Net interest margin | 3.9123% | 1,456 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 3.5798% | 492 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2754% | 4,280 |
| Return on assets (ROA) | 0.2754% | 4,248 |
| Pretax return on assets | 0.3012% | 4,264 |
| Return on Equity (ROE) | 2.1000% | 4,292 |
| Retained earnings to average equity (ytd only) | 2.1046% | 3,683 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 92.2395% | 299 |
| Assets per employee ($millions) | 2.8138% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 1,755 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 39.0800% | 4,075 |
| Net loans and leases to deposits | 45.1540% | 4,063 |
| Net loans and leases to core deposits | 45.9293% | 4,115 |
| Total domestic deposits to total assets | 86.5600% | 2,423 |
| Equity capital to assets | 12.8023% | 804 |
| Core capital (leverage) ratio | 13.4933% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $46,483,500 | 4,445 |
| Average earning assets | $42,941,000 | 4,426 |
| Average equity | $6,082,000 | 4,234 |
| Average total loans | $18,161,000 | 4,421 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3709% | 3,417 |
| Cost of funding earning assets | 0.3003% | 2,874 |
| Net interest margin | 3.0707% | 3,258 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.8141% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2572% | 4,408 |
| Return on assets (ROA) | 0.2572% | 4,386 |
| Pretax return on assets | 0.3386% | 4,342 |
| Return on Equity (ROE) | 2.1200% | 4,377 |
| Retained earnings to average equity (ytd only) | 2.1238% | 3,950 |
| Net charge-offs to loans | 0.0060% | 2,200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 777 |
| Efficiency ratio | 89.2608% | 322 |
| Assets per employee ($millions) | 2.8208% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 1,228 |
| Loan loss allowance to noncurrent loans | 380.8824% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 2,488 |
| Noncurrent loans to loans | 0.3915% | 1,748 |
| Net loans and leases to total assets | 37.9100% | 4,145 |
| Net loans and leases to deposits | 44.0973% | 4,113 |
| Net loans and leases to core deposits | 44.9052% | 4,154 |
| Total domestic deposits to total assets | 85.9600% | 2,736 |
| Equity capital to assets | 13.3830% | 646 |
| Core capital (leverage) ratio | 13.8556% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $45,484,600 | 4,484 |
| Average earning assets | $42,629,200 | 4,452 |
| Average equity | $5,509,000 | 4,385 |
| Average total loans | $16,634,600 | 4,459 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0362% | 3,819 |
| Cost of funding earning assets | 0.2115% | 3,130 |
| Net interest margin | 2.8246% | 3,680 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.5834% | 1,755 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3452% | 4,326 |
| Return on assets (ROA) | 0.3452% | 4,278 |
| Pretax return on assets | 0.3716% | 4,300 |
| Return on Equity (ROE) | 2.9300% | 4,306 |
| Retained earnings to average equity (ytd only) | 2.9264% | 3,791 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.4257% | 404 |
| Assets per employee ($millions) | 3.1352% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 1,021 |
| Loan loss allowance to noncurrent loans | 203.1250% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 1,786 |
| Noncurrent loans to loans | 0.8008% | 1,000 |
| Net loans and leases to total assets | 35.8200% | 4,237 |
| Net loans and leases to deposits | 41.8615% | 4,183 |
| Net loans and leases to core deposits | 42.6541% | 4,207 |
| Total domestic deposits to total assets | 85.5800% | 3,155 |
| Equity capital to assets | 13.7471% | 587 |
| Core capital (leverage) ratio | 13.9804% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $45,572,750 | 4,518 |
| Average earning assets | $42,860,000 | 4,485 |
| Average equity | $5,376,250 | 4,431 |
| Average total loans | $16,451,500 | 4,497 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7342% | 4,093 |
| Cost of funding earning assets | 0.1695% | 3,324 |
| Net interest margin | 2.5648% | 3,967 |
| Noninterest income to average assets | 0.3295% | 3,192 |
| Noninterest expense to average assets | 2.4061% | 2,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3208% | 4,254 |
| Return on assets (ROA) | 0.3208% | 4,203 |
| Pretax return on assets | 0.3512% | 4,228 |
| Return on Equity (ROE) | 2.8699% | 4,229 |
| Retained earnings to average equity (ytd only) | 2.8699% | 3,485 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2642% | 524 |
| Assets per employee ($millions) | 3.3232% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6237% | 216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 35.9112% | 4,251 |
| Net loans and leases to deposits | 40.9092% | 4,238 |
| Net loans and leases to core deposits | 41.6763% | 4,274 |
| Total domestic deposits to total assets | 87.7827% | 2,663 |
| Equity capital to assets | 11.9187% | 906 |
| Core capital (leverage) ratio | 11.3901% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,132,667 | 4,557 |
| Average earning assets | $43,668,667 | 4,538 |
| Average equity | $5,157,000 | 4,509 |
| Average total loans | $16,607,333 | 4,555 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5490% | 4,197 |
| Cost of funding earning assets | 0.1676% | 3,251 |
| Net interest margin | 2.3814% | 4,105 |
| Noninterest income to average assets | 0.3361% | 3,082 |
| Noninterest expense to average assets | 2.3194% | 2,424 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2437% | 4,252 |
| Return on assets (ROA) | 0.2437% | 4,228 |
| Pretax return on assets | 0.2857% | 4,204 |
| Return on Equity (ROE) | 2.2476% | 4,225 |
| Retained earnings to average equity (ytd only) | 2.2476% | 3,481 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0323% | 593 |
| Assets per employee ($millions) | 3.3486% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5372% | 276 |
| Loan loss allowance to noncurrent loans | 1,045.0000% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 3,223 |
| Noncurrent loans to loans | 0.2428% | 2,622 |
| Net loans and leases to total assets | 34.2513% | 4,295 |
| Net loans and leases to deposits | 38.5874% | 4,299 |
| Net loans and leases to core deposits | 39.2438% | 4,332 |
| Total domestic deposits to total assets | 88.7628% | 2,184 |
| Equity capital to assets | 10.9578% | 1,344 |
| Core capital (leverage) ratio | 10.6787% | 1,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,598,500 | 4,567 |
| Average earning assets | $45,351,000 | 4,542 |
| Average equity | $5,161,000 | 4,550 |
| Average total loans | $16,945,000 | 4,565 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7179% | 4,296 |
| Cost of funding earning assets | 0.1946% | 3,528 |
| Net interest margin | 2.5233% | 4,161 |
| Noninterest income to average assets | 0.2479% | 3,886 |
| Noninterest expense to average assets | 2.5079% | 2,158 |
| Loan and lease loss provision to assets | -0.1185% | 4,575 |
| Net operating income to assets | 0.2194% | 4,515 |
| Return on assets (ROA) | 0.2194% | 4,535 |
| Pretax return on assets | 0.2479% | 4,530 |
| Return on Equity (ROE) | 1.9283% | 4,505 |
| Retained earnings to average equity (ytd only) | 1.9283% | 3,996 |
| Net charge-offs to loans | 0.0058% | 2,375 |
| Credit loss provision to net charge-offs | -5,400.0000% | 4,177 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 1,187 |
| Efficiency ratio | 95.0915% | 209 |
| Assets per employee ($millions) | 3.4512% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4002% | 326 |
| Loan loss allowance to noncurrent loans | 401.9231% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 1,739 |
| Noncurrent loans to loans | 0.5972% | 1,644 |
| Net loans and leases to total assets | 35.1781% | 4,326 |
| Net loans and leases to deposits | 39.5224% | 4,353 |
| Net loans and leases to core deposits | 40.1716% | 4,386 |
| Total domestic deposits to total assets | 89.0080% | 1,514 |
| Equity capital to assets | 10.7312% | 1,991 |
| Core capital (leverage) ratio | 11.0621% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,575,800 | 4,605 |
| Average earning assets | $43,157,800 | 4,579 |
| Average equity | $5,185,800 | 4,614 |
| Average total loans | $17,315,000 | 4,610 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7878% | 4,309 |
| Cost of funding earning assets | 0.2043% | 3,564 |
| Net interest margin | 2.5835% | 4,159 |
| Noninterest income to average assets | 0.2495% | 3,901 |
| Noninterest expense to average assets | 2.5632% | 1,948 |
| Loan and lease loss provision to assets | -0.1604% | 4,699 |
| Net operating income to assets | 0.2643% | 4,562 |
| Return on assets (ROA) | 0.2643% | 4,586 |
| Pretax return on assets | 0.2881% | 4,599 |
| Return on Equity (ROE) | 2.2882% | 4,553 |
| Retained earnings to average equity (ytd only) | 2.2882% | 4,112 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2539% | 206 |
| Assets per employee ($millions) | 3.2874% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3592% | 355 |
| Loan loss allowance to noncurrent loans | 1,102.6316% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 2,555 |
| Noncurrent loans to loans | 0.2140% | 3,096 |
| Net loans and leases to total assets | 37.6790% | 4,314 |
| Net loans and leases to deposits | 42.6446% | 4,359 |
| Net loans and leases to core deposits | 43.3861% | 4,402 |
| Total domestic deposits to total assets | 88.3558% | 1,642 |
| Equity capital to assets | 11.2878% | 1,822 |
| Core capital (leverage) ratio | 11.1883% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,890,500 | 4,681 |
| Average earning assets | $42,421,750 | 4,651 |
| Average equity | $5,186,000 | 4,679 |
| Average total loans | $17,290,000 | 4,676 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8145% | 4,328 |
| Cost of funding earning assets | 0.2187% | 3,569 |
| Net interest margin | 2.5958% | 4,177 |
| Noninterest income to average assets | 0.2561% | 3,862 |
| Noninterest expense to average assets | 2.6015% | 1,846 |
| Loan and lease loss provision to assets | -0.2426% | 4,801 |
| Net operating income to assets | 0.3370% | 4,479 |
| Return on assets (ROA) | 0.3370% | 4,504 |
| Pretax return on assets | 0.3505% | 4,543 |
| Return on Equity (ROE) | 2.8941% | 4,492 |
| Retained earnings to average equity (ytd only) | 2.8941% | 3,867 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0199% | 219 |
| Assets per employee ($millions) | 2.9857% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3481% | 333 |
| Loan loss allowance to noncurrent loans | 1,074.3590% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 2,652 |
| Noncurrent loans to loans | 0.2186% | 3,170 |
| Net loans and leases to total assets | 38.9081% | 4,337 |
| Net loans and leases to deposits | 44.1922% | 4,372 |
| Net loans and leases to core deposits | 44.9852% | 4,430 |
| Total domestic deposits to total assets | 88.0429% | 1,796 |
| Equity capital to assets | 11.5999% | 1,570 |
| Core capital (leverage) ratio | 11.2469% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9203% | 176 |
| Memoranda: | ||
| Average total assets | $44,513,000 | 4,713 |
| Average earning assets | $42,067,667 | 4,684 |
| Average equity | $5,183,000 | 4,707 |
| Average total loans | $17,133,333 | 4,713 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8231% | 4,352 |
| Cost of funding earning assets | 0.2384% | 3,577 |
| Net interest margin | 2.5847% | 4,176 |
| Noninterest income to average assets | 0.2344% | 3,986 |
| Noninterest expense to average assets | 2.5509% | 2,022 |
| Loan and lease loss provision to assets | -0.4867% | 4,916 |
| Net operating income to assets | 0.6129% | 3,904 |
| Return on assets (ROA) | 0.6129% | 3,973 |
| Pretax return on assets | 0.6129% | 4,174 |
| Return on Equity (ROE) | 5.2540% | 4,046 |
| Retained earnings to average equity (ytd only) | 5.2540% | 3,151 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2862% | 262 |
| Assets per employee ($millions) | 3.0305% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5028% | 261 |
| Loan loss allowance to noncurrent loans | 10,475.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 3,301 |
| Noncurrent loans to loans | 0.0239% | 4,170 |
| Net loans and leases to total assets | 35.9057% | 4,505 |
| Net loans and leases to deposits | 40.7185% | 4,538 |
| Net loans and leases to core deposits | 41.4338% | 4,577 |
| Total domestic deposits to total assets | 88.1803% | 1,746 |
| Equity capital to assets | 11.4369% | 1,580 |
| Core capital (leverage) ratio | 11.3851% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,377,000 | 4,732 |
| Average earning assets | $41,939,500 | 4,702 |
| Average equity | $5,177,000 | 4,731 |
| Average total loans | $16,778,000 | 4,747 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6839% | 3,617 |
| Cost of funding earning assets | 0.4611% | 3,212 |
| Net interest margin | 3.2227% | 3,296 |
| Noninterest income to average assets | 0.8817% | 1,312 |
| Noninterest expense to average assets | 2.9784% | 1,483 |
| Loan and lease loss provision to assets | 0.3189% | 1,159 |
| Net operating income to assets | 0.5991% | 3,759 |
| Return on assets (ROA) | 0.5991% | 3,874 |
| Pretax return on assets | 0.6063% | 4,068 |
| Return on Equity (ROE) | 4.8731% | 3,939 |
| Retained earnings to average equity (ytd only) | 2.5741% | 3,560 |
| Net charge-offs to loans | 0.0515% | 2,054 |
| Credit loss provision to net charge-offs | 1,466.6667% | 569 |
| Earnings coverage of net charge-offs (x) | 42.5556% | 1,331 |
| Efficiency ratio | 76.2995% | 1,188 |
| Assets per employee ($millions) | 2.8864% | 4,840 |
| Cash dividends to net income (ytd only)* | 47.1774% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8130% | 181 |
| Loan loss allowance to noncurrent loans | 307.1429% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 1,967 |
| Noncurrent loans to loans | 0.9158% | 1,536 |
| Net loans and leases to total assets | 37.7448% | 4,531 |
| Net loans and leases to deposits | 43.0166% | 4,556 |
| Net loans and leases to core deposits | 43.8100% | 4,609 |
| Total domestic deposits to total assets | 87.7448% | 1,588 |
| Equity capital to assets | 11.9064% | 1,620 |
| Core capital (leverage) ratio | 11.5887% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,397,600 | 4,753 |
| Average earning assets | $38,817,800 | 4,731 |
| Average equity | $5,089,200 | 4,743 |
| Average total loans | $17,485,200 | 4,764 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8992% | 3,255 |
| Cost of funding earning assets | 0.5153% | 3,134 |
| Net interest margin | 3.3840% | 2,968 |
| Noninterest income to average assets | 1.0882% | 873 |
| Noninterest expense to average assets | 3.0593% | 1,316 |
| Loan and lease loss provision to assets | 0.4301% | 776 |
| Net operating income to assets | 0.6386% | 3,670 |
| Return on assets (ROA) | 0.6386% | 3,760 |
| Pretax return on assets | 0.7656% | 3,741 |
| Return on Equity (ROE) | 5.1516% | 3,849 |
| Retained earnings to average equity (ytd only) | 2.0764% | 3,908 |
| Net charge-offs to loans | 0.0680% | 1,641 |
| Credit loss provision to net charge-offs | 1,466.6667% | 625 |
| Earnings coverage of net charge-offs (x) | 40.7778% | 1,347 |
| Efficiency ratio | 71.8989% | 1,657 |
| Assets per employee ($millions) | 2.8075% | 4,887 |
| Cash dividends to net income (ytd only)* | 59.6939% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7651% | 174 |
| Loan loss allowance to noncurrent loans | 127.1505% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 1.2799% | 753 |
| Noncurrent loans to loans | 2.1747% | 546 |
| Net loans and leases to total assets | 39.4971% | 4,581 |
| Net loans and leases to deposits | 45.2340% | 4,626 |
| Net loans and leases to core deposits | 46.0965% | 4,662 |
| Total domestic deposits to total assets | 87.3172% | 1,536 |
| Equity capital to assets | 12.1604% | 1,595 |
| Core capital (leverage) ratio | 11.4111% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,923,000 | 4,785 |
| Average earning assets | $38,297,250 | 4,762 |
| Average equity | $5,072,750 | 4,767 |
| Average total loans | $17,652,750 | 4,790 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 2,923 |
| Cost of funding earning assets | 0.5801% | 3,083 |
| Net interest margin | 3.5650% | 2,595 |
| Noninterest income to average assets | 1.3966% | 539 |
| Noninterest expense to average assets | 3.0498% | 1,464 |
| Loan and lease loss provision to assets | 0.6514% | 446 |
| Net operating income to assets | 0.8241% | 2,964 |
| Return on assets (ROA) | 0.8241% | 3,078 |
| Pretax return on assets | 1.0314% | 2,926 |
| Return on Equity (ROE) | 6.6051% | 3,287 |
| Retained earnings to average equity (ytd only) | 2.9664% | 3,403 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4421% | 2,760 |
| Assets per employee ($millions) | 2.8665% | 4,887 |
| Cash dividends to net income (ytd only)* | 55.0898% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7631% | 172 |
| Loan loss allowance to noncurrent loans | 128.8770% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.5791% | 574 |
| Noncurrent loans to loans | 2.1440% | 595 |
| Net loans and leases to total assets | 39.4483% | 4,627 |
| Net loans and leases to deposits | 45.1321% | 4,674 |
| Net loans and leases to core deposits | 46.7517% | 4,699 |
| Total domestic deposits to total assets | 87.4064% | 1,448 |
| Equity capital to assets | 11.9285% | 1,709 |
| Core capital (leverage) ratio | 11.7517% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6334% | 221 |
| Memoranda: | ||
| Average total assets | $40,526,667 | 4,812 |
| Average earning assets | $37,924,000 | 4,788 |
| Average equity | $5,056,667 | 4,793 |
| Average total loans | $17,835,000 | 4,816 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 1,922 |
| Cost of funding earning assets | 0.6640% | 3,093 |
| Net interest margin | 3.9621% | 1,495 |
| Noninterest income to average assets | 2.6062% | 184 |
| Noninterest expense to average assets | 3.5428% | 875 |
| Loan and lease loss provision to assets | 1.3438% | 126 |
| Net operating income to assets | 1.1708% | 1,618 |
| Return on assets (ROA) | 1.1708% | 1,734 |
| Pretax return on assets | 1.4253% | 1,493 |
| Return on Equity (ROE) | 9.1624% | 2,043 |
| Retained earnings to average equity (ytd only) | 3.8243% | 2,746 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1290% | 4,199 |
| Assets per employee ($millions) | 2.6776% | 4,910 |
| Cash dividends to net income (ytd only)* | 58.2609% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7103% | 190 |
| Loan loss allowance to noncurrent loans | 115.5875% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 1.7976% | 510 |
| Noncurrent loans to loans | 2.3448% | 533 |
| Net loans and leases to total assets | 43.0784% | 4,544 |
| Net loans and leases to deposits | 49.6670% | 4,605 |
| Net loans and leases to core deposits | 51.5800% | 4,641 |
| Total domestic deposits to total assets | 86.7344% | 1,676 |
| Equity capital to assets | 12.5759% | 1,689 |
| Core capital (leverage) ratio | 12.4125% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,291,000 | 4,859 |
| Average earning assets | $36,748,000 | 4,840 |
| Average equity | $5,020,500 | 4,834 |
| Average total loans | $18,030,500 | 4,845 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8142% | 1,999 |
| Cost of funding earning assets | 0.6816% | 3,255 |
| Net interest margin | 4.1326% | 1,468 |
| Noninterest income to average assets | 0.3912% | 3,354 |
| Noninterest expense to average assets | 3.3585% | 1,186 |
| Loan and lease loss provision to assets | 0.0405% | 3,203 |
| Net operating income to assets | 0.6097% | 4,128 |
| Return on assets (ROA) | 0.6097% | 4,193 |
| Pretax return on assets | 0.8524% | 3,871 |
| Return on Equity (ROE) | 4.5784% | 4,330 |
| Retained earnings to average equity (ytd only) | 2.5526% | 3,754 |
| Net charge-offs to loans | 0.2789% | 748 |
| Credit loss provision to net charge-offs | 28.3019% | 3,282 |
| Earnings coverage of net charge-offs (x) | 6.2453% | 2,991 |
| Efficiency ratio | 78.9975% | 1,036 |
| Assets per employee ($millions) | 2.2599% | 5,054 |
| Cash dividends to net income (ytd only)* | 44.2478% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9150% | 534 |
| Loan loss allowance to noncurrent loans | 47.9452% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 2.4936% | 261 |
| Noncurrent loans to loans | 3.9941% | 171 |
| Net loans and leases to total assets | 46.6630% | 4,495 |
| Net loans and leases to deposits | 53.9482% | 4,532 |
| Net loans and leases to core deposits | 56.1201% | 4,577 |
| Total domestic deposits to total assets | 86.4959% | 1,851 |
| Equity capital to assets | 12.9887% | 1,530 |
| Core capital (leverage) ratio | 12.9604% | 1,256 |
| Tier 1 risk-based capital ratio | 29.0887% | 512 |
| Total risk-based capital ratio | 30.3454% | 502 |
| Memoranda: | ||
| Average total assets | $37,069,800 | 4,939 |
| Average earning assets | $34,626,800 | 4,923 |
| Average equity | $4,936,200 | 4,888 |
| Average total loans | $19,003,800 | 4,885 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9052% | 1,806 |
| Cost of funding earning assets | 0.6813% | 3,302 |
| Net interest margin | 4.2239% | 1,317 |
| Noninterest income to average assets | 0.3956% | 3,347 |
| Noninterest expense to average assets | 3.3902% | 1,115 |
| Loan and lease loss provision to assets | 0.0544% | 2,825 |
| Net operating income to assets | 0.6207% | 4,241 |
| Return on assets (ROA) | 0.6207% | 4,292 |
| Pretax return on assets | 0.8893% | 3,912 |
| Return on Equity (ROE) | 4.6314% | 4,443 |
| Retained earnings to average equity (ytd only) | 2.6002% | 4,049 |
| Net charge-offs to loans | 0.3544% | 478 |
| Credit loss provision to net charge-offs | 29.4118% | 2,917 |
| Earnings coverage of net charge-offs (x) | 5.0979% | 2,951 |
| Efficiency ratio | 78.2245% | 1,079 |
| Assets per employee ($millions) | 2.1987% | 5,140 |
| Cash dividends to net income (ytd only)* | 43.8616% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8338% | 630 |
| Loan loss allowance to noncurrent loans | 33.8136% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 3.3950% | 150 |
| Noncurrent loans to loans | 5.4233% | 90 |
| Net loans and leases to total assets | 50.4120% | 4,405 |
| Net loans and leases to deposits | 58.5386% | 4,453 |
| Net loans and leases to core deposits | 60.9747% | 4,497 |
| Total domestic deposits to total assets | 86.1175% | 1,938 |
| Equity capital to assets | 13.2886% | 1,466 |
| Core capital (leverage) ratio | 13.2685% | 1,228 |
| Tier 1 risk-based capital ratio | 27.3034% | 621 |
| Total risk-based capital ratio | 28.5578% | 606 |
| Memoranda: | ||
| Average total assets | $36,732,750 | 5,018 |
| Average earning assets | $34,248,750 | 5,001 |
| Average equity | $4,922,750 | 4,958 |
| Average total loans | $19,185,500 | 4,955 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 1,423 |
| Cost of funding earning assets | 0.6687% | 3,321 |
| Net interest margin | 4.3525% | 1,036 |
| Noninterest income to average assets | 0.4108% | 3,206 |
| Noninterest expense to average assets | 3.4066% | 1,091 |
| Loan and lease loss provision to assets | 0.0822% | 2,196 |
| Net operating income to assets | 0.7175% | 3,945 |
| Return on assets (ROA) | 0.7175% | 4,003 |
| Pretax return on assets | 0.9858% | 3,598 |
| Return on Equity (ROE) | 5.3382% | 4,251 |
| Retained earnings to average equity (ytd only) | 3.3007% | 3,577 |
| Net charge-offs to loans | 0.0313% | 2,228 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 944 |
| Efficiency ratio | 76.1322% | 1,383 |
| Assets per employee ($millions) | 2.1118% | 5,197 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8618% | 608 |
| Loan loss allowance to noncurrent loans | 43.8662% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 2.9192% | 214 |
| Noncurrent loans to loans | 4.2442% | 160 |
| Net loans and leases to total assets | 51.9777% | 4,353 |
| Net loans and leases to deposits | 60.7659% | 4,394 |
| Net loans and leases to core deposits | 63.4219% | 4,435 |
| Total domestic deposits to total assets | 85.5376% | 2,247 |
| Equity capital to assets | 13.9164% | 1,149 |
| Core capital (leverage) ratio | 13.3660% | 1,164 |
| Tier 1 risk-based capital ratio | 27.8443% | 573 |
| Total risk-based capital ratio | 29.0983% | 557 |
| Memoranda: | ||
| Average total assets | $36,517,670 | 5,059 |
| Average earning assets | $34,095,000 | 5,045 |
| Average equity | $4,908,000 | 4,997 |
| Average total loans | $19,182,330 | 4,993 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8685% | 1,698 |
| Cost of funding earning assets | 0.6375% | 3,365 |
| Net interest margin | 4.2310% | 1,239 |
| Noninterest income to average assets | 0.4236% | 3,025 |
| Noninterest expense to average assets | 3.3237% | 1,241 |
| Loan and lease loss provision to assets | 0.1629% | 1,036 |
| Net operating income to assets | 0.6408% | 4,120 |
| Return on assets (ROA) | 0.6408% | 4,157 |
| Pretax return on assets | 0.9015% | 3,761 |
| Return on Equity (ROE) | 4.8520% | 4,362 |
| Retained earnings to average equity (ytd only) | 2.7961% | 3,824 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7426% | 1,521 |
| Assets per employee ($millions) | 2.1579% | 5,252 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8757% | 616 |
| Loan loss allowance to noncurrent loans | 28.4916% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 3.6528% | 139 |
| Noncurrent loans to loans | 6.5833% | 62 |
| Net loans and leases to total assets | 50.9105% | 4,415 |
| Net loans and leases to deposits | 59.1162% | 4,457 |
| Net loans and leases to core deposits | 62.1353% | 4,465 |
| Total domestic deposits to total assets | 86.1193% | 2,221 |
| Equity capital to assets | 13.3491% | 1,271 |
| Core capital (leverage) ratio | 13.2027% | 1,186 |
| Tier 1 risk-based capital ratio | 27.5953% | 586 |
| Total risk-based capital ratio | 28.8501% | 575 |
| Memoranda: | ||
| Average total assets | $36,826,500 | 5,113 |
| Average earning assets | $34,507,500 | 5,091 |
| Average equity | $4,864,000 | 5,046 |
| Average total loans | $19,266,500 | 5,051 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 1,665 |
| Cost of funding earning assets | 0.4466% | 3,703 |
| Net interest margin | 4.3073% | 1,132 |
| Noninterest income to average assets | 0.5134% | 2,757 |
| Noninterest expense to average assets | 3.3590% | 1,211 |
| Loan and lease loss provision to assets | 0.1502% | 1,412 |
| Net operating income to assets | 0.7210% | 4,076 |
| Return on assets (ROA) | 0.7210% | 4,081 |
| Pretax return on assets | 1.0077% | 3,569 |
| Return on Equity (ROE) | 5.5346% | 4,313 |
| Retained earnings to average equity (ytd only) | 3.4382% | 3,696 |
| Net charge-offs to loans | 0.1129% | 1,618 |
| Credit loss provision to net charge-offs | 250.0000% | 1,186 |
| Earnings coverage of net charge-offs (x) | 19.2727% | 2,074 |
| Efficiency ratio | 74.3652% | 1,579 |
| Assets per employee ($millions) | 2.1746% | 5,290 |
| Cash dividends to net income (ytd only)* | 37.8788% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 745 |
| Loan loss allowance to noncurrent loans | 25.1101% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 3.9195% | 123 |
| Noncurrent loans to loans | 6.9846% | 53 |
| Net loans and leases to total assets | 51.8218% | 4,418 |
| Net loans and leases to deposits | 59.8706% | 4,487 |
| Net loans and leases to core deposits | 63.5402% | 4,469 |
| Total domestic deposits to total assets | 86.5563% | 1,987 |
| Equity capital to assets | 13.0677% | 1,316 |
| Core capital (leverage) ratio | 13.0309% | 1,238 |
| Tier 1 risk-based capital ratio | 26.6515% | 631 |
| Total risk-based capital ratio | 27.9050% | 622 |
| Memoranda: | ||
| Average total assets | $36,618,000 | 5,150 |
| Average earning assets | $34,035,400 | 5,134 |
| Average equity | $4,770,000 | 5,083 |
| Average total loans | $19,480,800 | 5,088 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7552% | 1,532 |
| Cost of funding earning assets | 0.3940% | 3,905 |
| Net interest margin | 4.3612% | 990 |
| Noninterest income to average assets | 0.5365% | 2,639 |
| Noninterest expense to average assets | 3.2922% | 1,316 |
| Loan and lease loss provision to assets | 0.0547% | 2,876 |
| Net operating income to assets | 0.9088% | 3,488 |
| Return on assets (ROA) | 0.9088% | 3,493 |
| Pretax return on assets | 1.2300% | 2,882 |
| Return on Equity (ROE) | 6.9823% | 3,943 |
| Retained earnings to average equity (ytd only) | 5.7204% | 2,813 |
| Net charge-offs to loans | 0.1438% | 1,140 |
| Credit loss provision to net charge-offs | 71.4286% | 2,620 |
| Earnings coverage of net charge-offs (x) | 16.7614% | 2,148 |
| Efficiency ratio | 71.9298% | 1,889 |
| Assets per employee ($millions) | 2.1488% | 5,355 |
| Cash dividends to net income (ytd only)* | 18.0728% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 1,148 |
| Loan loss allowance to noncurrent loans | 18.6347% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 4.8590% | 92 |
| Noncurrent loans to loans | 8.4323% | 45 |
| Net loans and leases to total assets | 51.9573% | 4,486 |
| Net loans and leases to deposits | 60.1375% | 4,539 |
| Net loans and leases to core deposits | 63.8778% | 4,526 |
| Total domestic deposits to total assets | 86.3975% | 2,017 |
| Equity capital to assets | 13.2056% | 1,255 |
| Core capital (leverage) ratio | 13.4722% | 1,112 |
| Tier 1 risk-based capital ratio | 26.5887% | 642 |
| Total risk-based capital ratio | 27.8400% | 635 |
| Memoranda: | ||
| Average total assets | $36,530,250 | 5,215 |
| Average earning assets | $33,842,750 | 5,200 |
| Average equity | $4,754,750 | 5,148 |
| Average total loans | $19,476,000 | 5,146 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 1,445 |
| Cost of funding earning assets | 0.3429% | 4,119 |
| Net interest margin | 4.3804% | 886 |
| Noninterest income to average assets | 0.5530% | 2,564 |
| Noninterest expense to average assets | 3.2685% | 1,393 |
| Loan and lease loss provision to assets | 0.0821% | 2,268 |
| Net operating income to assets | 0.9307% | 3,317 |
| Return on assets (ROA) | 0.9307% | 3,320 |
| Pretax return on assets | 1.2592% | 2,680 |
| Return on Equity (ROE) | 7.1856% | 3,839 |
| Retained earnings to average equity (ytd only) | 5.9176% | 2,600 |
| Net charge-offs to loans | 0.2149% | 739 |
| Credit loss provision to net charge-offs | 71.4286% | 2,331 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 2,253 |
| Efficiency ratio | 70.9026% | 2,177 |
| Assets per employee ($millions) | 2.2258% | 5,411 |
| Cash dividends to net income (ytd only)* | 17.6471% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,352 |
| Loan loss allowance to noncurrent loans | 19.9211% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 4.6894% | 104 |
| Noncurrent loans to loans | 7.6042% | 49 |
| Net loans and leases to total assets | 55.3156% | 4,217 |
| Net loans and leases to deposits | 64.1202% | 4,274 |
| Net loans and leases to core deposits | 66.2263% | 4,358 |
| Total domestic deposits to total assets | 86.2687% | 2,157 |
| Equity capital to assets | 13.4281% | 1,128 |
| Core capital (leverage) ratio | 13.1451% | 1,172 |
| Tier 1 risk-based capital ratio | 24.0046% | 836 |
| Total risk-based capital ratio | 25.2548% | 803 |
| Memoranda: | ||
| Average total assets | $36,530,330 | 5,275 |
| Average earning assets | $33,832,670 | 5,265 |
| Average equity | $4,731,670 | 5,209 |
| Average total loans | $19,540,330 | 5,209 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6495% | 1,442 |
| Cost of funding earning assets | 0.3037% | 4,325 |
| Net interest margin | 4.3457% | 866 |
| Noninterest income to average assets | 0.4542% | 3,090 |
| Noninterest expense to average assets | 3.2009% | 1,561 |
| Loan and lease loss provision to assets | 0.1622% | 1,114 |
| Net operating income to assets | 0.8002% | 3,702 |
| Return on assets (ROA) | 0.8002% | 3,713 |
| Pretax return on assets | 1.1138% | 3,123 |
| Return on Equity (ROE) | 6.2892% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.0143% | 3,163 |
| Net charge-offs to loans | 0.4350% | 355 |
| Credit loss provision to net charge-offs | 71.4286% | 1,815 |
| Earnings coverage of net charge-offs (x) | 5.6190% | 2,219 |
| Efficiency ratio | 71.4976% | 2,262 |
| Assets per employee ($millions) | 2.2673% | 5,458 |
| Cash dividends to net income (ytd only)* | 20.2703% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 1,249 |
| Loan loss allowance to noncurrent loans | 22.8335% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 4.0687% | 152 |
| Noncurrent loans to loans | 6.8434% | 77 |
| Net loans and leases to total assets | 52.6174% | 4,394 |
| Net loans and leases to deposits | 60.6681% | 4,427 |
| Net loans and leases to core deposits | 62.6041% | 4,512 |
| Total domestic deposits to total assets | 86.7299% | 2,227 |
| Equity capital to assets | 12.9889% | 1,251 |
| Core capital (leverage) ratio | 12.7134% | 1,289 |
| Tier 1 risk-based capital ratio | 25.0426% | 750 |
| Total risk-based capital ratio | 26.2948% | 738 |
| Memoranda: | ||
| Average total assets | $36,989,500 | 5,328 |
| Average earning assets | $34,240,500 | 5,309 |
| Average equity | $4,706,500 | 5,264 |
| Average total loans | $19,309,500 | 5,271 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4891% | 1,739 |
| Cost of funding earning assets | 0.2928% | 4,207 |
| Net interest margin | 4.1963% | 1,193 |
| Noninterest income to average assets | 0.4072% | 3,589 |
| Noninterest expense to average assets | 3.1193% | 1,806 |
| Loan and lease loss provision to assets | 0.1357% | 1,691 |
| Net operating income to assets | 0.6054% | 3,988 |
| Return on assets (ROA) | 0.6054% | 4,024 |
| Pretax return on assets | 1.0045% | 3,548 |
| Return on Equity (ROE) | 4.7924% | 4,250 |
| Retained earnings to average equity (ytd only) | 3.5030% | 3,184 |
| Net charge-offs to loans | 0.0165% | 3,541 |
| Credit loss provision to net charge-offs | 1,666.6667% | 230 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 497 |
| Efficiency ratio | 73.2314% | 2,026 |
| Assets per employee ($millions) | 2.2178% | 5,537 |
| Cash dividends to net income (ytd only)* | 26.9058% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6070% | 1,130 |
| Loan loss allowance to noncurrent loans | 35.0738% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 2.7346% | 315 |
| Noncurrent loans to loans | 4.5819% | 175 |
| Net loans and leases to total assets | 50.1804% | 4,634 |
| Net loans and leases to deposits | 57.6570% | 4,703 |
| Net loans and leases to core deposits | 60.3554% | 4,738 |
| Total domestic deposits to total assets | 87.0325% | 1,980 |
| Equity capital to assets | 12.4688% | 1,536 |
| Core capital (leverage) ratio | 12.6094% | 1,304 |
| Tier 1 risk-based capital ratio | 24.6849% | 754 |
| Total risk-based capital ratio | 25.9348% | 735 |
| Memoranda: | ||
| Average total assets | $36,835,600 | 5,383 |
| Average earning assets | $33,815,400 | 5,368 |
| Average equity | $4,653,200 | 5,324 |
| Average total loans | $18,168,400 | 5,356 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4457% | 1,805 |
| Cost of funding earning assets | 0.2858% | 4,263 |
| Net interest margin | 4.1599% | 1,250 |
| Noninterest income to average assets | 0.4296% | 3,479 |
| Noninterest expense to average assets | 3.0876% | 1,839 |
| Loan and lease loss provision to assets | 0.0910% | 2,253 |
| Net operating income to assets | 0.7209% | 3,869 |
| Return on assets (ROA) | 0.7209% | 3,927 |
| Pretax return on assets | 1.0668% | 3,433 |
| Return on Equity (ROE) | 5.6879% | 4,252 |
| Retained earnings to average equity (ytd only) | 4.3952% | 3,282 |
| Net charge-offs to loans | 0.0074% | 3,467 |
| Credit loss provision to net charge-offs | 2,500.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 318.7895% | 290 |
| Efficiency ratio | 72.7273% | 2,091 |
| Assets per employee ($millions) | 2.2639% | 5,584 |
| Cash dividends to net income (ytd only)* | 22.7281% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,527 |
| Loan loss allowance to noncurrent loans | 19.0540% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 4.2404% | 154 |
| Noncurrent loans to loans | 7.8784% | 51 |
| Net loans and leases to total assets | 51.8069% | 4,582 |
| Net loans and leases to deposits | 59.9706% | 4,640 |
| Net loans and leases to core deposits | 62.9204% | 4,658 |
| Total domestic deposits to total assets | 86.3871% | 2,142 |
| Equity capital to assets | 13.0470% | 1,362 |
| Core capital (leverage) ratio | 12.8578% | 1,267 |
| Tier 1 risk-based capital ratio | 25.2274% | 726 |
| Total risk-based capital ratio | 26.4804% | 715 |
| Memoranda: | ||
| Average total assets | $36,619,000 | 5,444 |
| Average earning assets | $33,589,500 | 5,431 |
| Average equity | $4,641,250 | 5,385 |
| Average total loans | $17,903,500 | 5,420 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 2,017 |
| Cost of funding earning assets | 0.2792% | 4,301 |
| Net interest margin | 4.0569% | 1,442 |
| Noninterest income to average assets | 0.4626% | 3,270 |
| Noninterest expense to average assets | 3.0693% | 1,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7782% | 3,497 |
| Return on assets (ROA) | 0.7782% | 3,549 |
| Pretax return on assets | 1.1102% | 3,134 |
| Return on Equity (ROE) | 6.1999% | 3,958 |
| Retained earnings to average equity (ytd only) | 4.8992% | 2,776 |
| Net charge-offs to loans | 0.0114% | 3,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 204.0000% | 405 |
| Efficiency ratio | 73.4375% | 2,103 |
| Assets per employee ($millions) | 2.4982% | 5,555 |
| Cash dividends to net income (ytd only)* | 20.9790% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 1,841 |
| Loan loss allowance to noncurrent loans | 22.7154% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 3.1890% | 276 |
| Noncurrent loans to loans | 6.2742% | 92 |
| Net loans and leases to total assets | 48.1734% | 4,814 |
| Net loans and leases to deposits | 55.3742% | 4,883 |
| Net loans and leases to core deposits | 57.9835% | 4,919 |
| Total domestic deposits to total assets | 86.9960% | 1,960 |
| Equity capital to assets | 12.5103% | 1,614 |
| Core capital (leverage) ratio | 12.5358% | 1,356 |
| Tier 1 risk-based capital ratio | 26.2703% | 656 |
| Total risk-based capital ratio | 27.5177% | 638 |
| Memoranda: | ||
| Average total assets | $36,751,000 | 5,489 |
| Average earning assets | $33,671,000 | 5,480 |
| Average equity | $4,613,000 | 5,427 |
| Average total loans | $17,520,670 | 5,475 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3047% | 1,946 |
| Cost of funding earning assets | 0.2638% | 4,417 |
| Net interest margin | 4.0409% | 1,367 |
| Noninterest income to average assets | 0.4397% | 3,380 |
| Noninterest expense to average assets | 3.0888% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8354% | 3,056 |
| Return on assets (ROA) | 0.8354% | 3,109 |
| Pretax return on assets | 1.0552% | 3,154 |
| Return on Equity (ROE) | 6.6441% | 3,583 |
| Retained earnings to average equity (ytd only) | 5.3328% | 2,715 |
| Net charge-offs to loans | 0.0234% | 2,296 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 555 |
| Efficiency ratio | 74.5358% | 2,137 |
| Assets per employee ($millions) | 2.4505% | 5,642 |
| Cash dividends to net income (ytd only)* | 19.7368% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 1,712 |
| Loan loss allowance to noncurrent loans | 47.4545% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.6215% | 962 |
| Noncurrent loans to loans | 3.1522% | 414 |
| Net loans and leases to total assets | 46.7584% | 4,907 |
| Net loans and leases to deposits | 53.6960% | 4,953 |
| Net loans and leases to core deposits | 55.9965% | 4,974 |
| Total domestic deposits to total assets | 87.0800% | 2,174 |
| Equity capital to assets | 12.5527% | 1,494 |
| Core capital (leverage) ratio | 12.3979% | 1,390 |
| Tier 1 risk-based capital ratio | 27.8678% | 569 |
| Total risk-based capital ratio | 29.1206% | 554 |
| Memoranda: | ||
| Average total assets | $36,390,000 | 5,559 |
| Average earning assets | $33,358,500 | 5,547 |
| Average equity | $4,575,500 | 5,489 |
| Average total loans | $17,124,500 | 5,545 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 2,382 |
| Cost of funding earning assets | 0.2609% | 4,453 |
| Net interest margin | 3.9706% | 1,728 |
| Noninterest income to average assets | 0.6177% | 2,564 |
| Noninterest expense to average assets | 3.3066% | 1,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6435% | 4,028 |
| Return on assets (ROA) | 0.6435% | 4,135 |
| Pretax return on assets | 0.9394% | 3,699 |
| Return on Equity (ROE) | 4.7704% | 4,528 |
| Retained earnings to average equity (ytd only) | -1.7463% | 5,513 |
| Net charge-offs to loans | 0.0251% | 3,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 81.7500% | 702 |
| Efficiency ratio | 77.8755% | 1,711 |
| Assets per employee ($millions) | 2.4015% | 5,706 |
| Cash dividends to net income (ytd only)* | 136.6071% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 1,470 |
| Loan loss allowance to noncurrent loans | 45.2504% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 1.7350% | 879 |
| Noncurrent loans to loans | 3.4462% | 354 |
| Net loans and leases to total assets | 45.9123% | 5,018 |
| Net loans and leases to deposits | 52.8521% | 5,073 |
| Net loans and leases to core deposits | 54.1570% | 5,143 |
| Total domestic deposits to total assets | 86.8695% | 2,210 |
| Equity capital to assets | 12.5947% | 1,465 |
| Core capital (leverage) ratio | 12.8086% | 1,208 |
| Tier 1 risk-based capital ratio | 28.7604% | 530 |
| Total risk-based capital ratio | 30.0128% | 523 |
| Memoranda: | ||
| Average total assets | $34,809,200 | 5,636 |
| Average earning assets | $31,808,400 | 5,632 |
| Average equity | $4,695,600 | 5,525 |
| Average total loans | $15,915,600 | 5,644 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 2,427 |
| Cost of funding earning assets | 0.2621% | 4,482 |
| Net interest margin | 3.9657% | 1,764 |
| Noninterest income to average assets | 0.6878% | 2,224 |
| Noninterest expense to average assets | 3.3385% | 1,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6994% | 3,847 |
| Return on assets (ROA) | 0.6994% | 3,980 |
| Pretax return on assets | 0.9737% | 3,723 |
| Return on Equity (ROE) | 5.0965% | 4,478 |
| Retained earnings to average equity (ytd only) | 3.8294% | 3,582 |
| Net charge-offs to loans | 0.0340% | 2,956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 63.0375% | 917 |
| Efficiency ratio | 77.4194% | 1,774 |
| Assets per employee ($millions) | 2.2601% | 5,814 |
| Cash dividends to net income (ytd only)* | 24.8622% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 1,416 |
| Loan loss allowance to noncurrent loans | 46.3717% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 1.8023% | 911 |
| Noncurrent loans to loans | 3.4896% | 370 |
| Net loans and leases to total assets | 46.9854% | 5,020 |
| Net loans and leases to deposits | 55.2113% | 5,042 |
| Net loans and leases to core deposits | 56.3958% | 5,130 |
| Total domestic deposits to total assets | 85.1012% | 2,760 |
| Equity capital to assets | 14.2057% | 962 |
| Core capital (leverage) ratio | 13.7818% | 917 |
| Tier 1 risk-based capital ratio | 28.5853% | 547 |
| Total risk-based capital ratio | 29.8393% | 536 |
| Memoranda: | ||
| Average total assets | $34,505,750 | 5,700 |
| Average earning assets | $31,536,250 | 5,697 |
| Average equity | $4,735,250 | 5,574 |
| Average total loans | $15,694,250 | 5,705 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 2,773 |
| Cost of funding earning assets | 0.2651% | 4,500 |
| Net interest margin | 3.8570% | 2,117 |
| Noninterest income to average assets | 0.5993% | 2,622 |
| Noninterest expense to average assets | 3.3826% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5993% | 4,274 |
| Return on assets (ROA) | 0.5993% | 4,390 |
| Pretax return on assets | 0.7376% | 4,505 |
| Return on Equity (ROE) | 4.4177% | 4,746 |
| Retained earnings to average equity (ytd only) | 3.1434% | 3,899 |
| Net charge-offs to loans | 0.0386% | 2,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 42.6667% | 1,113 |
| Efficiency ratio | 82.0979% | 1,255 |
| Assets per employee ($millions) | 2.2492% | 5,880 |
| Cash dividends to net income (ytd only)* | 28.8462% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 1,448 |
| Loan loss allowance to noncurrent loans | 41.4173% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 2.1904% | 707 |
| Noncurrent loans to loans | 3.9319% | 302 |
| Net loans and leases to total assets | 47.0893% | 5,060 |
| Net loans and leases to deposits | 55.2399% | 5,066 |
| Net loans and leases to core deposits | 56.4349% | 5,145 |
| Total domestic deposits to total assets | 85.2451% | 2,761 |
| Equity capital to assets | 14.1502% | 976 |
| Core capital (leverage) ratio | 13.4958% | 981 |
| Tier 1 risk-based capital ratio | 31.0511% | 455 |
| Total risk-based capital ratio | 32.3039% | 447 |
| Memoranda: | ||
| Average total assets | $34,707,000 | 5,769 |
| Average earning assets | $31,683,000 | 5,759 |
| Average equity | $4,708,330 | 5,640 |
| Average total loans | $15,528,670 | 5,775 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 3,253 |
| Cost of funding earning assets | 0.2611% | 4,598 |
| Net interest margin | 3.7300% | 2,556 |
| Noninterest income to average assets | 0.3978% | 3,847 |
| Noninterest expense to average assets | 3.2963% | 1,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4092% | 4,969 |
| Return on assets (ROA) | 0.4092% | 5,046 |
| Pretax return on assets | 0.5115% | 5,055 |
| Return on Equity (ROE) | 3.0799% | 5,204 |
| Retained earnings to average equity (ytd only) | 1.7966% | 4,548 |
| Net charge-offs to loans | 0.0789% | 1,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,679 |
| Efficiency ratio | 86.5672% | 923 |
| Assets per employee ($millions) | 2.1814% | 5,950 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7201% | 1,310 |
| Loan loss allowance to noncurrent loans | 43.2566% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 2.3093% | 683 |
| Noncurrent loans to loans | 3.9765% | 307 |
| Net loans and leases to total assets | 43.0536% | 5,295 |
| Net loans and leases to deposits | 50.0250% | 5,337 |
| Net loans and leases to core deposits | 51.0636% | 5,402 |
| Total domestic deposits to total assets | 86.0642% | 2,645 |
| Equity capital to assets | 13.4544% | 1,194 |
| Core capital (leverage) ratio | 13.1147% | 1,117 |
| Tier 1 risk-based capital ratio | 32.1138% | 428 |
| Total risk-based capital ratio | 33.3684% | 420 |
| Memoranda: | ||
| Average total assets | $35,191,500 | 5,816 |
| Average earning assets | $32,172,000 | 5,803 |
| Average equity | $4,675,500 | 5,687 |
| Average total loans | $15,218,000 | 5,839 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 2,622 |
| Cost of funding earning assets | 0.2836% | 4,435 |
| Net interest margin | 3.8966% | 2,041 |
| Noninterest income to average assets | 0.3741% | 4,232 |
| Noninterest expense to average assets | 3.3636% | 1,564 |
| Loan and lease loss provision to assets | 0.0425% | 3,485 |
| Net operating income to assets | 0.4052% | 5,042 |
| Return on assets (ROA) | 0.4052% | 5,120 |
| Pretax return on assets | 0.5497% | 4,991 |
| Return on Equity (ROE) | 3.0952% | 5,272 |
| Retained earnings to average equity (ytd only) | 1.7965% | 4,707 |
| Net charge-offs to loans | 0.1409% | 1,937 |
| Credit loss provision to net charge-offs | 65.2174% | 3,195 |
| Earnings coverage of net charge-offs (x) | 9.0870% | 2,868 |
| Efficiency ratio | 85.0287% | 1,087 |
| Assets per employee ($millions) | 2.2175% | 5,993 |
| Cash dividends to net income (ytd only)* | 41.9580% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 1,226 |
| Loan loss allowance to noncurrent loans | 36.4384% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 3.0750% | 421 |
| Noncurrent loans to loans | 4.8198% | 206 |
| Net loans and leases to total assets | 41.9391% | 5,413 |
| Net loans and leases to deposits | 48.4991% | 5,464 |
| Net loans and leases to core deposits | 50.3264% | 5,485 |
| Total domestic deposits to total assets | 86.4741% | 2,392 |
| Equity capital to assets | 13.1201% | 1,291 |
| Core capital (leverage) ratio | 13.1937% | 1,074 |
| Tier 1 risk-based capital ratio | 36.0133% | 311 |
| Total risk-based capital ratio | 37.2690% | 303 |
| Memoranda: | ||
| Average total assets | $35,289,200 | 5,865 |
| Average earning assets | $32,438,800 | 5,846 |
| Average equity | $4,620,000 | 5,739 |
| Average total loans | $16,322,200 | 5,853 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 2,420 |
| Cost of funding earning assets | 0.2918% | 4,429 |
| Net interest margin | 3.9545% | 1,858 |
| Noninterest income to average assets | 0.3632% | 4,330 |
| Noninterest expense to average assets | 3.3482% | 1,579 |
| Loan and lease loss provision to assets | 0.0568% | 3,053 |
| Net operating income to assets | 0.4464% | 4,988 |
| Return on assets (ROA) | 0.4464% | 5,076 |
| Pretax return on assets | 0.5978% | 4,976 |
| Return on Equity (ROE) | 3.4119% | 5,251 |
| Retained earnings to average equity (ytd only) | 2.1107% | 4,828 |
| Net charge-offs to loans | 0.1765% | 1,420 |
| Credit loss provision to net charge-offs | 68.1818% | 2,797 |
| Earnings coverage of net charge-offs (x) | 7.8643% | 2,870 |
| Efficiency ratio | 83.6484% | 1,207 |
| Assets per employee ($millions) | 1.9902% | 6,138 |
| Cash dividends to net income (ytd only)* | 38.1364% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 1,402 |
| Loan loss allowance to noncurrent loans | 42.9260% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 2.9024% | 542 |
| Noncurrent loans to loans | 4.0303% | 318 |
| Net loans and leases to total assets | 44.8247% | 5,300 |
| Net loans and leases to deposits | 52.2533% | 5,355 |
| Net loans and leases to core deposits | 54.3428% | 5,384 |
| Total domestic deposits to total assets | 85.7835% | 2,652 |
| Equity capital to assets | 13.7170% | 1,135 |
| Core capital (leverage) ratio | 13.3447% | 1,072 |
| Tier 1 risk-based capital ratio | 31.8650% | 447 |
| Total risk-based capital ratio | 33.1186% | 442 |
| Memoranda: | ||
| Average total assets | $35,241,500 | 5,946 |
| Average earning assets | $32,434,750 | 5,924 |
| Average equity | $4,611,250 | 5,819 |
| Average total loans | $16,616,250 | 5,921 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 2,292 |
| Cost of funding earning assets | 0.2970% | 4,428 |
| Net interest margin | 3.9699% | 1,734 |
| Noninterest income to average assets | 0.3528% | 4,438 |
| Noninterest expense to average assets | 3.2875% | 1,742 |
| Loan and lease loss provision to assets | 0.0840% | 2,435 |
| Net operating income to assets | 0.4872% | 4,822 |
| Return on assets (ROA) | 0.4872% | 4,924 |
| Pretax return on assets | 0.6497% | 4,824 |
| Return on Equity (ROE) | 3.7815% | 5,106 |
| Retained earnings to average equity (ytd only) | 2.4775% | 4,480 |
| Net charge-offs to loans | 0.2587% | 1,004 |
| Credit loss provision to net charge-offs | 68.1818% | 2,479 |
| Earnings coverage of net charge-offs (x) | 5.9545% | 2,855 |
| Efficiency ratio | 81.7549% | 1,524 |
| Assets per employee ($millions) | 2.0585% | 6,205 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 1,777 |
| Loan loss allowance to noncurrent loans | 29.4702% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 3.0604% | 536 |
| Noncurrent loans to loans | 5.5747% | 188 |
| Net loans and leases to total assets | 45.6780% | 5,275 |
| Net loans and leases to deposits | 52.8412% | 5,328 |
| Net loans and leases to core deposits | 54.8709% | 5,375 |
| Total domestic deposits to total assets | 86.4438% | 2,464 |
| Equity capital to assets | 13.1790% | 1,312 |
| Core capital (leverage) ratio | 12.5916% | 1,336 |
| Tier 1 risk-based capital ratio | 30.2798% | 528 |
| Total risk-based capital ratio | 31.5350% | 518 |
| Memoranda: | ||
| Average total assets | $35,710,670 | 6,001 |
| Average earning assets | $32,998,000 | 5,976 |
| Average equity | $4,601,330 | 5,879 |
| Average total loans | $17,010,670 | 5,961 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 2,296 |
| Cost of funding earning assets | 0.2989% | 4,453 |
| Net interest margin | 3.9459% | 1,726 |
| Noninterest income to average assets | 0.3438% | 4,449 |
| Noninterest expense to average assets | 3.1717% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6876% | 3,861 |
| Return on assets (ROA) | 0.6876% | 3,987 |
| Pretax return on assets | 0.8318% | 4,122 |
| Return on Equity (ROE) | 5.3960% | 4,334 |
| Retained earnings to average equity (ytd only) | 4.0905% | 3,550 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2244% | 1,995 |
| Assets per employee ($millions) | 2.1311% | 6,254 |
| Cash dividends to net income (ytd only)* | 24.1935% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5637% | 2,175 |
| Loan loss allowance to noncurrent loans | 59.5652% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 1.5375% | 1,685 |
| Noncurrent loans to loans | 2.6251% | 908 |
| Net loans and leases to total assets | 47.6123% | 5,072 |
| Net loans and leases to deposits | 54.8353% | 5,137 |
| Net loans and leases to core deposits | 56.8598% | 5,196 |
| Total domestic deposits to total assets | 86.8279% | 2,470 |
| Equity capital to assets | 12.7691% | 1,529 |
| Core capital (leverage) ratio | 12.5496% | 1,343 |
| Tier 1 risk-based capital ratio | 24.3317% | 959 |
| Total risk-based capital ratio | 25.5795% | 937 |
| Memoranda: | ||
| Average total assets | $36,068,500 | 6,050 |
| Average earning assets | $33,452,500 | 6,028 |
| Average equity | $4,596,000 | 5,927 |
| Average total loans | $17,390,000 | 5,999 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2731% | 2,699 |
| Cost of funding earning assets | 0.3644% | 4,092 |
| Net interest margin | 3.9087% | 2,205 |
| Noninterest income to average assets | 0.3951% | 4,220 |
| Noninterest expense to average assets | 3.2303% | 2,129 |
| Loan and lease loss provision to assets | 0.0696% | 3,092 |
| Net operating income to assets | 0.5231% | 4,714 |
| Return on assets (ROA) | 0.5231% | 4,804 |
| Pretax return on assets | 0.7067% | 4,599 |
| Return on Equity (ROE) | 4.1765% | 5,040 |
| Retained earnings to average equity (ytd only) | 2.9324% | 4,157 |
| Net charge-offs to loans | 0.2888% | 1,505 |
| Credit loss provision to net charge-offs | 49.0196% | 3,504 |
| Earnings coverage of net charge-offs (x) | 5.4706% | 3,413 |
| Efficiency ratio | 80.6250% | 1,829 |
| Assets per employee ($millions) | 2.1123% | 6,339 |
| Cash dividends to net income (ytd only)* | 29.7872% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 2,135 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 1.7962% | 1,454 |
| Noncurrent loans to loans | 3.1755% | 691 |
| Net loans and leases to total assets | 47.2946% | 5,218 |
| Net loans and leases to deposits | 54.4379% | 5,299 |
| Net loans and leases to core deposits | 56.4651% | 5,352 |
| Total domestic deposits to total assets | 86.8779% | 2,339 |
| Equity capital to assets | 12.7155% | 1,526 |
| Core capital (leverage) ratio | 12.5427% | 1,337 |
| Tier 1 risk-based capital ratio | 29.3293% | 537 |
| Total risk-based capital ratio | 30.5868% | 528 |
| Memoranda: | ||
| Average total assets | $35,940,800 | 6,130 |
| Average earning assets | $33,208,000 | 6,112 |
| Average equity | $4,501,400 | 5,987 |
| Average total loans | $17,659,400 | 6,059 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 2,709 |
| Cost of funding earning assets | 0.3778% | 4,046 |
| Net interest margin | 3.9028% | 2,228 |
| Noninterest income to average assets | 0.3153% | 4,918 |
| Noninterest expense to average assets | 3.2564% | 2,007 |
| Loan and lease loss provision to assets | 0.0371% | 3,661 |
| Net operating income to assets | 0.4747% | 4,973 |
| Return on assets (ROA) | 0.4747% | 5,056 |
| Pretax return on assets | 0.6231% | 4,956 |
| Return on Equity (ROE) | 3.8049% | 5,250 |
| Retained earnings to average equity (ytd only) | 2.5863% | 4,746 |
| Net charge-offs to loans | 0.3003% | 1,319 |
| Credit loss provision to net charge-offs | 25.0000% | 3,521 |
| Earnings coverage of net charge-offs (x) | 4.4502% | 3,456 |
| Efficiency ratio | 83.1439% | 1,479 |
| Assets per employee ($millions) | 2.1415% | 6,404 |
| Cash dividends to net income (ytd only)* | 32.0345% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5593% | 2,463 |
| Loan loss allowance to noncurrent loans | 42.7215% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 2.1700% | 1,281 |
| Noncurrent loans to loans | 3.6498% | 638 |
| Net loans and leases to total assets | 46.8232% | 5,305 |
| Net loans and leases to deposits | 53.8680% | 5,402 |
| Net loans and leases to core deposits | 55.8464% | 5,459 |
| Total domestic deposits to total assets | 86.9221% | 2,364 |
| Equity capital to assets | 12.5093% | 1,696 |
| Core capital (leverage) ratio | 12.3682% | 1,482 |
| Tier 1 risk-based capital ratio | 29.0505% | 576 |
| Total risk-based capital ratio | 30.3113% | 564 |
| Memoranda: | ||
| Average total assets | $35,948,750 | 6,203 |
| Average earning assets | $33,171,500 | 6,185 |
| Average equity | $4,485,250 | 6,058 |
| Average total loans | $17,760,000 | 6,116 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2814% | 2,655 |
| Cost of funding earning assets | 0.3870% | 4,031 |
| Net interest margin | 3.8943% | 2,190 |
| Noninterest income to average assets | 0.3073% | 4,950 |
| Noninterest expense to average assets | 3.2685% | 1,997 |
| Loan and lease loss provision to assets | 0.0559% | 3,180 |
| Net operating income to assets | 0.4526% | 5,002 |
| Return on assets (ROA) | 0.4526% | 5,082 |
| Pretax return on assets | 0.5811% | 5,015 |
| Return on Equity (ROE) | 3.6304% | 5,293 |
| Retained earnings to average equity (ytd only) | 2.4651% | 4,642 |
| Net charge-offs to loans | 0.3797% | 1,070 |
| Credit loss provision to net charge-offs | 29.4118% | 3,062 |
| Earnings coverage of net charge-offs (x) | 3.3529% | 3,332 |
| Efficiency ratio | 83.6910% | 1,547 |
| Assets per employee ($millions) | 2.2701% | 6,415 |
| Cash dividends to net income (ytd only)* | 32.0988% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5629% | 2,611 |
| Loan loss allowance to noncurrent loans | 46.5430% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 2.0676% | 1,529 |
| Noncurrent loans to loans | 3.3579% | 820 |
| Net loans and leases to total assets | 47.8608% | 5,182 |
| Net loans and leases to deposits | 55.0022% | 5,283 |
| Net loans and leases to core deposits | 57.0248% | 5,345 |
| Total domestic deposits to total assets | 87.0161% | 2,446 |
| Equity capital to assets | 12.4195% | 1,698 |
| Core capital (leverage) ratio | 12.3814% | 1,453 |
| Tier 1 risk-based capital ratio | 28.3090% | 623 |
| Total risk-based capital ratio | 29.5656% | 611 |
| Memoranda: | ||
| Average total assets | $35,796,670 | 6,270 |
| Average earning assets | $33,073,670 | 6,246 |
| Average equity | $4,462,330 | 6,107 |
| Average total loans | $17,908,000 | 6,165 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 2,458 |
| Cost of funding earning assets | 0.3903% | 4,083 |
| Net interest margin | 3.9272% | 1,988 |
| Noninterest income to average assets | 0.2477% | 5,378 |
| Noninterest expense to average assets | 3.3433% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4278% | 5,018 |
| Return on assets (ROA) | 0.4278% | 5,078 |
| Pretax return on assets | 0.5291% | 5,082 |
| Return on Equity (ROE) | 3.4250% | 5,311 |
| Retained earnings to average equity (ytd only) | 2.4335% | 4,610 |
| Net charge-offs to loans | 0.7542% | 463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.3824% | 3,110 |
| Efficiency ratio | 86.3372% | 1,413 |
| Assets per employee ($millions) | 2.2706% | 6,482 |
| Cash dividends to net income (ytd only)* | 28.9474% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 3,150 |
| Loan loss allowance to noncurrent loans | 115.1515% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 3,115 |
| Noncurrent loans to loans | 1.3009% | 2,852 |
| Net loans and leases to total assets | 48.1448% | 5,109 |
| Net loans and leases to deposits | 55.1801% | 5,183 |
| Net loans and leases to core deposits | 57.2031% | 5,268 |
| Total domestic deposits to total assets | 87.2502% | 2,665 |
| Equity capital to assets | 12.2819% | 1,699 |
| Core capital (leverage) ratio | 12.2941% | 1,481 |
| Tier 1 risk-based capital ratio | 28.4590% | 611 |
| Total risk-based capital ratio | 29.7109% | 595 |
| Memoranda: | ||
| Average total assets | $35,534,000 | 6,343 |
| Average earning assets | $32,797,000 | 6,320 |
| Average equity | $4,438,000 | 6,152 |
| Average total loans | $18,032,000 | 6,214 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5024% | 2,192 |
| Cost of funding earning assets | 0.4634% | 3,988 |
| Net interest margin | 4.0391% | 1,838 |
| Noninterest income to average assets | 0.3671% | 4,683 |
| Noninterest expense to average assets | 3.3992% | 1,881 |
| Loan and lease loss provision to assets | 0.0785% | 3,538 |
| Net operating income to assets | 0.5324% | 4,586 |
| Return on assets (ROA) | 0.5324% | 4,712 |
| Pretax return on assets | 0.6025% | 4,867 |
| Return on Equity (ROE) | 4.3528% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.5510% | 3,692 |
| Net charge-offs to loans | 0.2169% | 2,725 |
| Credit loss provision to net charge-offs | 68.2927% | 3,349 |
| Earnings coverage of net charge-offs (x) | 5.9268% | 3,171 |
| Efficiency ratio | 83.3104% | 1,713 |
| Assets per employee ($millions) | 2.1711% | 6,577 |
| Cash dividends to net income (ytd only)* | 18.4211% | 3,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 2,614 |
| Loan loss allowance to noncurrent loans | 107.5269% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.2580% | 2,899 |
| Noncurrent loans to loans | 1.5240% | 2,608 |
| Net loans and leases to total assets | 51.8366% | 4,878 |
| Net loans and leases to deposits | 59.6891% | 4,966 |
| Net loans and leases to core deposits | 61.9926% | 5,056 |
| Total domestic deposits to total assets | 86.8444% | 2,808 |
| Equity capital to assets | 12.7065% | 1,420 |
| Core capital (leverage) ratio | 12.5264% | 1,345 |
| Tier 1 risk-based capital ratio | 27.4951% | 641 |
| Total risk-based capital ratio | 28.7498% | 628 |
| Memoranda: | ||
| Average total assets | $35,684,600 | 6,401 |
| Average earning assets | $32,804,400 | 6,382 |
| Average equity | $4,365,000 | 6,245 |
| Average total loans | $18,905,600 | 6,259 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 2,141 |
| Cost of funding earning assets | 0.4771% | 4,001 |
| Net interest margin | 4.0471% | 1,797 |
| Noninterest income to average assets | 0.3897% | 4,607 |
| Noninterest expense to average assets | 3.4148% | 1,791 |
| Loan and lease loss provision to assets | 0.1039% | 3,031 |
| Net operating income to assets | 0.4788% | 4,893 |
| Return on assets (ROA) | 0.4788% | 5,048 |
| Pretax return on assets | 0.5865% | 5,069 |
| Return on Equity (ROE) | 3.9515% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.0937% | 4,466 |
| Net charge-offs to loans | 0.3149% | 1,969 |
| Credit loss provision to net charge-offs | 62.2222% | 3,249 |
| Earnings coverage of net charge-offs (x) | 4.1332% | 3,530 |
| Efficiency ratio | 83.1826% | 1,686 |
| Assets per employee ($millions) | 2.0407% | 6,693 |
| Cash dividends to net income (ytd only)* | 21.7035% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 3,028 |
| Loan loss allowance to noncurrent loans | 104.5936% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.2741% | 3,095 |
| Noncurrent loans to loans | 1.5234% | 2,881 |
| Net loans and leases to total assets | 52.6951% | 4,796 |
| Net loans and leases to deposits | 60.6717% | 4,904 |
| Net loans and leases to core deposits | 63.0162% | 5,007 |
| Total domestic deposits to total assets | 86.8529% | 2,771 |
| Equity capital to assets | 12.5879% | 1,531 |
| Core capital (leverage) ratio | 12.3640% | 1,488 |
| Tier 1 risk-based capital ratio | 27.0833% | 698 |
| Total risk-based capital ratio | 28.3408% | 681 |
| Memoranda: | ||
| Average total assets | $35,921,250 | 6,466 |
| Average earning assets | $32,977,250 | 6,448 |
| Average equity | $4,352,750 | 6,322 |
| Average total loans | $19,055,250 | 6,313 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5140% | 2,150 |
| Cost of funding earning assets | 0.4856% | 4,033 |
| Net interest margin | 4.0284% | 1,763 |
| Noninterest income to average assets | 0.3964% | 4,553 |
| Noninterest expense to average assets | 3.3635% | 1,901 |
| Loan and lease loss provision to assets | 0.1541% | 2,391 |
| Net operating income to assets | 0.4789% | 4,886 |
| Return on assets (ROA) | 0.4789% | 5,068 |
| Pretax return on assets | 0.5780% | 5,103 |
| Return on Equity (ROE) | 4.0018% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.0819% | 4,359 |
| Net charge-offs to loans | 0.1145% | 3,216 |
| Credit loss provision to net charge-offs | 254.5455% | 980 |
| Earnings coverage of net charge-offs (x) | 12.0909% | 2,006 |
| Efficiency ratio | 82.1237% | 1,871 |
| Assets per employee ($millions) | 2.0887% | 6,723 |
| Cash dividends to net income (ytd only)* | 22.9885% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 2,604 |
| Loan loss allowance to noncurrent loans | 42.1995% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 2.3685% | 1,811 |
| Noncurrent loans to loans | 4.1393% | 922 |
| Net loans and leases to total assets | 52.2755% | 4,821 |
| Net loans and leases to deposits | 59.8967% | 4,990 |
| Net loans and leases to core deposits | 62.9904% | 5,003 |
| Total domestic deposits to total assets | 87.2761% | 2,673 |
| Equity capital to assets | 12.2141% | 1,766 |
| Core capital (leverage) ratio | 12.1074% | 1,561 |
| Tier 1 risk-based capital ratio | 25.9864% | 771 |
| Total risk-based capital ratio | 27.2513% | 755 |
| Memoranda: | ||
| Average total assets | $36,331,000 | 6,501 |
| Average earning assets | $33,363,000 | 6,487 |
| Average equity | $4,348,000 | 6,376 |
| Average total loans | $19,214,670 | 6,348 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5099% | 2,132 |
| Cost of funding earning assets | 0.5090% | 3,990 |
| Net interest margin | 4.0009% | 1,779 |
| Noninterest income to average assets | 0.3919% | 4,524 |
| Noninterest expense to average assets | 3.2660% | 2,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6750% | 3,816 |
| Return on assets (ROA) | 0.6750% | 3,976 |
| Pretax return on assets | 0.8056% | 4,152 |
| Return on Equity (ROE) | 5.6966% | 4,204 |
| Retained earnings to average equity (ytd only) | 4.7778% | 3,372 |
| Net charge-offs to loans | 0.2271% | 2,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.7273% | 2,172 |
| Efficiency ratio | 80.2139% | 2,304 |
| Assets per employee ($millions) | 2.0930% | 6,817 |
| Cash dividends to net income (ytd only)* | 16.1290% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 3,623 |
| Loan loss allowance to noncurrent loans | 72.5962% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.4530% | 3,078 |
| Noncurrent loans to loans | 2.1332% | 2,460 |
| Net loans and leases to total assets | 53.9586% | 4,425 |
| Net loans and leases to deposits | 61.9343% | 4,561 |
| Net loans and leases to core deposits | 65.1343% | 4,638 |
| Total domestic deposits to total assets | 87.1223% | 2,890 |
| Equity capital to assets | 12.2931% | 1,840 |
| Core capital (leverage) ratio | 11.6394% | 1,790 |
| Tier 1 risk-based capital ratio | 25.0278% | 885 |
| Total risk-based capital ratio | 26.2853% | 871 |
| Memoranda: | ||
| Average total assets | $36,742,500 | 6,555 |
| Average earning assets | $33,792,000 | 6,534 |
| Average equity | $4,353,500 | 6,435 |
| Average total loans | $19,376,000 | 6,394 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 3,289 |
| Cost of funding earning assets | 0.6023% | 4,331 |
| Net interest margin | 3.9256% | 2,717 |
| Noninterest income to average assets | 0.4707% | 4,094 |
| Noninterest expense to average assets | 3.3575% | 2,160 |
| Loan and lease loss provision to assets | 0.0958% | 4,460 |
| Net operating income to assets | 0.5527% | 4,463 |
| Return on assets (ROA) | 0.5527% | 4,717 |
| Pretax return on assets | 0.6376% | 4,859 |
| Return on Equity (ROE) | 4.7496% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.6555% | 2,937 |
| Net charge-offs to loans | 0.4151% | 2,584 |
| Credit loss provision to net charge-offs | 45.4545% | 4,797 |
| Earnings coverage of net charge-offs (x) | 3.4805% | 3,710 |
| Efficiency ratio | 82.0736% | 1,855 |
| Assets per employee ($millions) | 2.2296% | 6,813 |
| Cash dividends to net income (ytd only)* | 1.9802% | 4,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6259% | 3,197 |
| Loan loss allowance to noncurrent loans | 66.8803% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.5223% | 3,096 |
| Noncurrent loans to loans | 2.4310% | 2,185 |
| Net loans and leases to total assets | 49.9631% | 5,171 |
| Net loans and leases to deposits | 56.7465% | 5,367 |
| Net loans and leases to core deposits | 59.9512% | 5,365 |
| Total domestic deposits to total assets | 88.0461% | 2,210 |
| Equity capital to assets | 11.4315% | 2,507 |
| Core capital (leverage) ratio | 11.9233% | 1,607 |
| Tier 1 risk-based capital ratio | 25.0118% | 852 |
| Total risk-based capital ratio | 26.2719% | 840 |
| Memoranda: | ||
| Average total assets | $36,545,000 | 6,595 |
| Average earning assets | $33,702,000 | 6,564 |
| Average equity | $4,253,000 | 6,514 |
| Average total loans | $18,549,400 | 6,487 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6515% | 3,010 |
| Cost of funding earning assets | 0.6274% | 4,389 |
| Net interest margin | 4.0241% | 2,399 |
| Noninterest income to average assets | 0.4677% | 4,157 |
| Noninterest expense to average assets | 3.3954% | 2,015 |
| Loan and lease loss provision to assets | 0.0368% | 5,313 |
| Net operating income to assets | 0.5745% | 4,497 |
| Return on assets (ROA) | 0.5745% | 4,772 |
| Pretax return on assets | 0.7439% | 4,693 |
| Return on Equity (ROE) | 4.9135% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.9135% | 3,429 |
| Net charge-offs to loans | 0.2322% | 3,328 |
| Credit loss provision to net charge-offs | 31.2500% | 4,782 |
| Earnings coverage of net charge-offs (x) | 6.6243% | 2,753 |
| Efficiency ratio | 81.3051% | 1,897 |
| Assets per employee ($millions) | 2.0494% | 6,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9195% | 2,414 |
| Loan loss allowance to noncurrent loans | 47.4359% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 2.2618% | 2,353 |
| Noncurrent loans to loans | 4.0466% | 1,257 |
| Net loans and leases to total assets | 48.8389% | 5,449 |
| Net loans and leases to deposits | 56.1941% | 5,618 |
| Net loans and leases to core deposits | 58.9877% | 5,662 |
| Total domestic deposits to total assets | 86.9112% | 2,727 |
| Equity capital to assets | 12.3052% | 2,035 |
| Core capital (leverage) ratio | 12.0146% | 1,645 |
| Tier 1 risk-based capital ratio | 28.2532% | 632 |
| Total risk-based capital ratio | 29.4276% | 623 |
| Memoranda: | ||
| Average total assets | $36,205,250 | 6,685 |
| Average earning assets | $33,364,500 | 6,656 |
| Average equity | $4,233,000 | 6,592 |
| Average total loans | $18,374,000 | 6,581 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6779% | 3,015 |
| Cost of funding earning assets | 0.6430% | 4,503 |
| Net interest margin | 4.0349% | 2,363 |
| Noninterest income to average assets | 0.4801% | 4,056 |
| Noninterest expense to average assets | 3.3769% | 2,083 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6547% | 4,087 |
| Return on assets (ROA) | 0.6547% | 4,348 |
| Pretax return on assets | 0.8347% | 4,337 |
| Return on Equity (ROE) | 5.6940% | 4,480 |
| Retained earnings to average equity (ytd only) | 5.6940% | 2,882 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1813% | 2,144 |
| Assets per employee ($millions) | 2.0668% | 7,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9821% | 2,275 |
| Loan loss allowance to noncurrent loans | 68.4008% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.6450% | 3,256 |
| Noncurrent loans to loans | 2.8978% | 2,065 |
| Net loans and leases to total assets | 49.9630% | 5,358 |
| Net loans and leases to deposits | 57.3599% | 5,519 |
| Net loans and leases to core deposits | 60.8071% | 5,509 |
| Total domestic deposits to total assets | 87.1044% | 2,715 |
| Equity capital to assets | 12.1357% | 2,039 |
| Core capital (leverage) ratio | 11.6826% | 1,796 |
| Tier 1 risk-based capital ratio | 24.0929% | 1,003 |
| Total risk-based capital ratio | 25.3527% | 983 |
| Memoranda: | ||
| Average total assets | $36,660,670 | 6,718 |
| Average earning assets | $33,904,000 | 6,690 |
| Average equity | $4,215,000 | 6,629 |
| Average total loans | $18,716,000 | 6,614 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 2,785 |
| Cost of funding earning assets | 0.6130% | 5,030 |
| Net interest margin | 4.1521% | 1,931 |
| Noninterest income to average assets | 0.4917% | 3,968 |
| Noninterest expense to average assets | 3.2066% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9192% | 2,830 |
| Return on assets (ROA) | 0.9192% | 3,041 |
| Pretax return on assets | 1.1223% | 3,231 |
| Return on Equity (ROE) | 8.2090% | 3,189 |
| Retained earnings to average equity (ytd only) | 8.2090% | 1,902 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0741% | 3,091 |
| Assets per employee ($millions) | 2.1216% | 7,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8889% | 2,713 |
| Loan loss allowance to noncurrent loans | 95.9459% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.2491% | 4,051 |
| Noncurrent loans to loans | 1.9687% | 3,199 |
| Net loans and leases to total assets | 48.2848% | 5,518 |
| Net loans and leases to deposits | 54.6811% | 5,732 |
| Net loans and leases to core deposits | 57.1592% | 5,799 |
| Total domestic deposits to total assets | 88.3026% | 2,132 |
| Equity capital to assets | 11.0584% | 2,838 |
| Core capital (leverage) ratio | 11.0922% | 2,192 |
| Tier 1 risk-based capital ratio | 23.2293% | 1,107 |
| Total risk-based capital ratio | 24.4878% | 1,085 |
| Memoranda: | ||
| Average total assets | $37,423,000 | 6,754 |
| Average earning assets | $34,584,500 | 6,721 |
| Average equity | $4,190,500 | 6,669 |
| Average total loans | $19,119,000 | 6,650 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0603% | 2,605 |
| Cost of funding earning assets | 0.9662% | 3,603 |
| Net interest margin | 4.0941% | 2,449 |
| Noninterest income to average assets | 0.4431% | 4,282 |
| Noninterest expense to average assets | 3.4069% | 2,220 |
| Loan and lease loss provision to assets | 0.1621% | 4,605 |
| Net operating income to assets | 0.4836% | 4,493 |
| Return on assets (ROA) | 0.4836% | 4,703 |
| Pretax return on assets | 0.6403% | 4,555 |
| Return on Equity (ROE) | 4.2552% | 4,736 |
| Retained earnings to average equity (ytd only) | -1.6878% | 6,115 |
| Net charge-offs to loans | 0.3733% | 3,540 |
| Credit loss provision to net charge-offs | 81.0811% | 4,402 |
| Earnings coverage of net charge-offs (x) | 4.0135% | 3,302 |
| Efficiency ratio | 80.9371% | 2,171 |
| Assets per employee ($millions) | 2.0366% | 7,148 |
| Cash dividends to net income (ytd only)* | 139.6648% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8258% | 2,784 |
| Loan loss allowance to noncurrent loans | 192.9348% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.7938% | 5,047 |
| Noncurrent loans to loans | 0.9463% | 4,811 |
| Net loans and leases to total assets | 52.0732% | 5,302 |
| Net loans and leases to deposits | 59.1907% | 5,577 |
| Net loans and leases to core deposits | 61.9954% | 5,649 |
| Total domestic deposits to total assets | 87.9753% | 2,181 |
| Equity capital to assets | 11.3427% | 2,650 |
| Core capital (leverage) ratio | 11.2378% | 2,094 |
| Tier 1 risk-based capital ratio | 22.6328% | 1,143 |
| Total risk-based capital ratio | 23.8908% | 1,119 |
| Memoranda: | ||
| Average total assets | $37,013,200 | 6,764 |
| Average earning assets | $34,049,200 | 6,752 |
| Average equity | $4,206,600 | 6,699 |
| Average total loans | $19,825,200 | 6,665 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 2,735 |
| Cost of funding earning assets | 1.0141% | 3,579 |
| Net interest margin | 4.0604% | 2,642 |
| Noninterest income to average assets | 0.4169% | 4,532 |
| Noninterest expense to average assets | 3.3960% | 2,196 |
| Loan and lease loss provision to assets | 0.1437% | 4,646 |
| Net operating income to assets | 0.5103% | 4,505 |
| Return on assets (ROA) | 0.5103% | 4,690 |
| Pretax return on assets | 0.6181% | 4,748 |
| Return on Equity (ROE) | 4.4878% | 4,768 |
| Retained earnings to average equity (ytd only) | -3.4133% | 6,465 |
| Net charge-offs to loans | 0.3614% | 3,281 |
| Credit loss provision to net charge-offs | 74.0741% | 4,353 |
| Earnings coverage of net charge-offs (x) | 3.9258% | 3,241 |
| Efficiency ratio | 81.6768% | 2,020 |
| Assets per employee ($millions) | 1.9994% | 7,239 |
| Cash dividends to net income (ytd only)* | 176.0577% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8237% | 2,851 |
| Loan loss allowance to noncurrent loans | 243.1507% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.7502% | 5,284 |
| Noncurrent loans to loans | 0.7500% | 5,378 |
| Net loans and leases to total assets | 53.1023% | 5,304 |
| Net loans and leases to deposits | 60.5219% | 5,579 |
| Net loans and leases to core deposits | 63.4537% | 5,680 |
| Total domestic deposits to total assets | 87.7407% | 2,204 |
| Equity capital to assets | 11.4896% | 2,692 |
| Core capital (leverage) ratio | 10.9358% | 2,445 |
| Tier 1 risk-based capital ratio | 22.2006% | 1,252 |
| Total risk-based capital ratio | 23.4571% | 1,231 |
| Memoranda: | ||
| Average total assets | $37,102,000 | 6,824 |
| Average earning assets | $34,182,750 | 6,803 |
| Average equity | $4,218,750 | 6,734 |
| Average total loans | $19,920,500 | 6,725 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0746% | 2,800 |
| Cost of funding earning assets | 1.0717% | 3,459 |
| Net interest margin | 4.0029% | 2,819 |
| Noninterest income to average assets | 0.3576% | 5,029 |
| Noninterest expense to average assets | 3.3624% | 2,363 |
| Loan and lease loss provision to assets | 0.1067% | 4,966 |
| Net operating income to assets | 0.4910% | 4,540 |
| Return on assets (ROA) | 0.4910% | 4,678 |
| Pretax return on assets | 0.5764% | 4,825 |
| Return on Equity (ROE) | 4.3328% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.3328% | 3,436 |
| Net charge-offs to loans | 0.2790% | 3,490 |
| Credit loss provision to net charge-offs | 71.4286% | 4,019 |
| Earnings coverage of net charge-offs (x) | 4.5714% | 2,826 |
| Efficiency ratio | 83.1135% | 1,943 |
| Assets per employee ($millions) | 2.0095% | 7,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8220% | 2,915 |
| Loan loss allowance to noncurrent loans | 168.6916% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.9759% | 4,915 |
| Noncurrent loans to loans | 1.0801% | 4,863 |
| Net loans and leases to total assets | 53.7779% | 5,323 |
| Net loans and leases to deposits | 61.5394% | 5,557 |
| Net loans and leases to core deposits | 63.8734% | 5,733 |
| Total domestic deposits to total assets | 87.3877% | 2,526 |
| Equity capital to assets | 11.9018% | 2,161 |
| Core capital (leverage) ratio | 11.3324% | 2,028 |
| Tier 1 risk-based capital ratio | 21.6413% | 1,305 |
| Total risk-based capital ratio | 22.8387% | 1,290 |
| Memoranda: | ||
| Average total assets | $37,473,000 | 6,869 |
| Average earning assets | $34,524,670 | 6,848 |
| Average equity | $4,246,670 | 6,763 |
| Average total loans | $20,072,000 | 6,779 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9950% | 3,126 |
| Cost of funding earning assets | 1.1176% | 3,400 |
| Net interest margin | 3.8774% | 3,259 |
| Noninterest income to average assets | 0.1993% | 6,292 |
| Noninterest expense to average assets | 3.2945% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3987% | 4,951 |
| Return on assets (ROA) | 0.3987% | 5,045 |
| Pretax return on assets | 0.4721% | 5,112 |
| Return on Equity (ROE) | 3.6040% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.6040% | 4,021 |
| Net charge-offs to loans | 0.5544% | 2,111 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.6071% | 3,510 |
| Efficiency ratio | 87.4652% | 1,572 |
| Assets per employee ($millions) | 2.1386% | 7,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6910% | 3,369 |
| Loan loss allowance to noncurrent loans | 146.3519% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.7326% | 5,469 |
| Noncurrent loans to loans | 1.1555% | 4,769 |
| Net loans and leases to total assets | 51.4989% | 5,648 |
| Net loans and leases to deposits | 58.2288% | 5,903 |
| Net loans and leases to core deposits | 60.7651% | 6,042 |
| Total domestic deposits to total assets | 88.4424% | 2,109 |
| Equity capital to assets | 10.9627% | 2,727 |
| Core capital (leverage) ratio | 10.7677% | 2,385 |
| Tier 1 risk-based capital ratio | 19.5033% | 1,696 |
| Total risk-based capital ratio | 20.7568% | 1,660 |
| Memoranda: | ||
| Average total assets | $38,124,000 | 6,902 |
| Average earning assets | $35,075,000 | 6,879 |
| Average equity | $4,217,500 | 6,804 |
| Average total loans | $20,201,500 | 6,830 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4817% | 2,358 |
| Cost of funding earning assets | 1.5012% | 2,626 |
| Net interest margin | 3.9805% | 3,105 |
| Noninterest income to average assets | 0.4659% | 4,406 |
| Noninterest expense to average assets | 3.7301% | 1,628 |
| Loan and lease loss provision to assets | 0.7703% | 2,126 |
| Net operating income to assets | -0.1724% | 6,076 |
| Return on assets (ROA) | -0.1724% | 6,135 |
| Pretax return on assets | -0.4282% | 6,268 |
| Return on Equity (ROE) | -1.5094% | 6,118 |
| Retained earnings to average equity (ytd only) | -1.8631% | 5,948 |
| Net charge-offs to loans | 1.1467% | 1,944 |
| Credit loss provision to net charge-offs | 119.6653% | 3,532 |
| Earnings coverage of net charge-offs (x) | 0.5314% | 5,581 |
| Efficiency ratio | 91.6005% | 1,209 |
| Assets per employee ($millions) | 2.0974% | 7,372 |
| Cash dividends to net income (ytd only)* | -23.4375% | 7,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8233% | 2,785 |
| Loan loss allowance to noncurrent loans | 567.6923% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.9588% | 5,093 |
| Noncurrent loans to loans | 0.3212% | 6,408 |
| Net loans and leases to total assets | 52.6275% | 5,833 |
| Net loans and leases to deposits | 59.7223% | 6,087 |
| Net loans and leases to core deposits | 62.3713% | 6,207 |
| Total domestic deposits to total assets | 88.1205% | 2,180 |
| Equity capital to assets | 11.1644% | 2,542 |
| Core capital (leverage) ratio | 10.8627% | 2,261 |
| Tier 1 risk-based capital ratio | 20.9395% | 1,325 |
| Total risk-based capital ratio | 22.1956% | 1,301 |
| Memoranda: | ||
| Average total assets | $37,130,400 | 6,968 |
| Average earning assets | $33,639,000 | 6,959 |
| Average equity | $4,240,200 | 6,905 |
| Average total loans | $20,843,200 | 6,877 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5411% | 2,285 |
| Cost of funding earning assets | 1.5421% | 2,715 |
| Net interest margin | 3.9990% | 3,108 |
| Noninterest income to average assets | 0.4796% | 4,334 |
| Noninterest expense to average assets | 3.7863% | 1,395 |
| Loan and lease loss provision to assets | 1.0313% | 1,434 |
| Net operating income to assets | -0.7428% | 6,760 |
| Return on assets (ROA) | -0.7428% | 6,797 |
| Pretax return on assets | -0.7284% | 6,698 |
| Return on Equity (ROE) | -6.4679% | 6,756 |
| Retained earnings to average equity (ytd only) | -6.9389% | 6,710 |
| Net charge-offs to loans | 1.5178% | 1,324 |
| Credit loss provision to net charge-offs | 119.6653% | 3,450 |
| Earnings coverage of net charge-offs (x) | 0.3515% | 5,673 |
| Efficiency ratio | 92.5926% | 1,078 |
| Assets per employee ($millions) | 2.0961% | 7,466 |
| Cash dividends to net income (ytd only)* | -7.2817% | 7,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 2,931 |
| Loan loss allowance to noncurrent loans | 567.6923% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.9595% | 5,169 |
| Noncurrent loans to loans | 0.3102% | 6,572 |
| Net loans and leases to total assets | 54.5522% | 5,764 |
| Net loans and leases to deposits | 61.9809% | 6,115 |
| Net loans and leases to core deposits | 64.7355% | 6,239 |
| Total domestic deposits to total assets | 88.0145% | 1,949 |
| Equity capital to assets | 11.0711% | 2,888 |
| Core capital (leverage) ratio | 10.6253% | 2,569 |
| Tier 1 risk-based capital ratio | 19.7910% | 1,587 |
| Total risk-based capital ratio | 21.0508% | 1,554 |
| Memoranda: | ||
| Average total assets | $36,974,500 | 7,058 |
| Average earning assets | $33,374,000 | 7,049 |
| Average equity | $4,246,500 | 6,994 |
| Average total loans | $20,994,500 | 6,960 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6224% | 2,057 |
| Cost of funding earning assets | 1.5279% | 3,089 |
| Net interest margin | 4.0945% | 2,586 |
| Noninterest income to average assets | 0.2941% | 5,792 |
| Noninterest expense to average assets | 3.7742% | 1,403 |
| Loan and lease loss provision to assets | 1.5576% | 844 |
| Net operating income to assets | -1.3615% | 7,104 |
| Return on assets (ROA) | -1.3615% | 7,118 |
| Pretax return on assets | -1.3452% | 7,032 |
| Return on Equity (ROE) | -11.7105% | 7,030 |
| Retained earnings to average equity (ytd only) | -12.4131% | 7,009 |
| Net charge-offs to loans | 2.2657% | 789 |
| Credit loss provision to net charge-offs | 120.1681% | 3,381 |
| Earnings coverage of net charge-offs (x) | 0.1639% | 5,559 |
| Efficiency ratio | 94.6721% | 1,030 |
| Assets per employee ($millions) | 1.7938% | 7,653 |
| Cash dividends to net income (ytd only)* | -6.0000% | 7,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 2,708 |
| Loan loss allowance to noncurrent loans | 569.2308% | 570 |
| Noncurrent assets plus other real estate owned to assets | 1.7361% | 3,842 |
| Noncurrent loans to loans | 0.3167% | 6,593 |
| Net loans and leases to total assets | 53.5041% | 6,046 |
| Net loans and leases to deposits | 60.5910% | 6,360 |
| Net loans and leases to core deposits | 63.2790% | 6,462 |
| Total domestic deposits to total assets | 88.3037% | 1,827 |
| Equity capital to assets | 10.8256% | 3,052 |
| Core capital (leverage) ratio | 10.5722% | 2,566 |
| Tier 1 risk-based capital ratio | 19.5213% | 1,600 |
| Total risk-based capital ratio | 20.7779% | 1,573 |
| Memoranda: | ||
| Average total assets | $36,723,000 | 7,121 |
| Average earning assets | $33,117,670 | 7,107 |
| Average equity | $4,269,670 | 7,024 |
| Average total loans | $21,009,000 | 7,015 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7473% | 1,625 |
| Cost of funding earning assets | 1.5326% | 3,363 |
| Net interest margin | 4.2147% | 1,980 |
| Noninterest income to average assets | 0.4524% | 4,443 |
| Noninterest expense to average assets | 3.6414% | 1,635 |
| Loan and lease loss provision to assets | 0.1324% | 5,246 |
| Net operating income to assets | 0.3972% | 4,853 |
| Return on assets (ROA) | 0.3972% | 4,995 |
| Pretax return on assets | 0.4414% | 5,158 |
| Return on Equity (ROE) | 3.2986% | 5,204 |
| Retained earnings to average equity (ytd only) | 2.3823% | 4,712 |
| Net charge-offs to loans | 0.2070% | 3,676 |
| Credit loss provision to net charge-offs | 109.0909% | 3,153 |
| Earnings coverage of net charge-offs (x) | 4.7273% | 2,564 |
| Efficiency ratio | 86.3874% | 1,752 |
| Assets per employee ($millions) | 1.8394% | 7,741 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 3,806 |
| Loan loss allowance to noncurrent loans | 99.3846% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.2558% | 4,665 |
| Noncurrent loans to loans | 1.5307% | 4,452 |
| Net loans and leases to total assets | 56.8365% | 5,635 |
| Net loans and leases to deposits | 65.1087% | 5,925 |
| Net loans and leases to core deposits | 68.8975% | 6,015 |
| Total domestic deposits to total assets | 87.2948% | 2,467 |
| Equity capital to assets | 11.8870% | 2,111 |
| Core capital (leverage) ratio | 11.5842% | 1,863 |
| Tier 1 risk-based capital ratio | 20.7519% | 1,382 |
| Total risk-based capital ratio | 22.0051% | 1,359 |
| Memoranda: | ||
| Average total assets | $36,249,500 | 7,222 |
| Average earning assets | $32,363,000 | 7,227 |
| Average equity | $4,365,500 | 7,051 |
| Average total loans | $21,251,000 | 7,084 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9415% | 2,082 |
| Cost of funding earning assets | 1.5962% | 5,043 |
| Net interest margin | 4.3453% | 1,589 |
| Noninterest income to average assets | 0.3649% | 5,478 |
| Noninterest expense to average assets | 4.0020% | 1,361 |
| Loan and lease loss provision to assets | 0.2337% | 5,503 |
| Net operating income to assets | 0.0314% | 5,392 |
| Return on assets (ROA) | 0.0314% | 5,445 |
| Pretax return on assets | 0.0399% | 5,345 |
| Return on Equity (ROE) | 0.2506% | 5,454 |
| Retained earnings to average equity (ytd only) | -0.0456% | 4,945 |
| Net charge-offs to loans | 0.6468% | 3,253 |
| Credit loss provision to net charge-offs | 63.5659% | 6,588 |
| Earnings coverage of net charge-offs (x) | 0.7442% | 5,352 |
| Efficiency ratio | 93.6000% | 1,437 |
| Assets per employee ($millions) | 1.7856% | 7,830 |
| Cash dividends to net income (ytd only)* | 118.1818% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 3,648 |
| Loan loss allowance to noncurrent loans | 1,288.0000% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.6105% | 5,924 |
| Noncurrent loans to loans | 0.1175% | 7,124 |
| Net loans and leases to total assets | 58.6598% | 5,540 |
| Net loans and leases to deposits | 67.5328% | 5,886 |
| Net loans and leases to core deposits | 88.8832% | 5,239 |
| Total domestic deposits to total assets | 86.8612% | 2,579 |
| Equity capital to assets | 12.2035% | 1,908 |
| Core capital (leverage) ratio | 12.0621% | 1,635 |
| Tier 1 risk-based capital ratio | 21.0138% | 1,289 |
| Total risk-based capital ratio | 22.2697% | 1,259 |
| Memoranda: | ||
| Average total assets | $35,082,800 | 7,277 |
| Average earning assets | $31,574,400 | 7,284 |
| Average equity | $4,388,600 | 7,145 |
| Average total loans | $19,945,800 | 7,193 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9733% | 2,139 |
| Cost of funding earning assets | 1.6080% | 5,364 |
| Net interest margin | 4.3653% | 1,544 |
| Noninterest income to average assets | 0.2787% | 6,244 |
| Noninterest expense to average assets | 4.0198% | 1,250 |
| Loan and lease loss provision to assets | 0.0993% | 6,371 |
| Net operating income to assets | 0.1107% | 5,433 |
| Return on assets (ROA) | 0.1107% | 5,490 |
| Pretax return on assets | 0.1184% | 5,485 |
| Return on Equity (ROE) | 0.8796% | 5,536 |
| Retained earnings to average equity (ytd only) | 0.7279% | 4,881 |
| Net charge-offs to loans | 0.5098% | 3,183 |
| Credit loss provision to net charge-offs | 34.6667% | 6,473 |
| Earnings coverage of net charge-offs (x) | 0.7600% | 5,284 |
| Efficiency ratio | 94.8649% | 1,342 |
| Assets per employee ($millions) | 1.7130% | 7,933 |
| Cash dividends to net income (ytd only)* | 17.2485% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 2,794 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.9107% | 5,252 |
| Noncurrent loans to loans | 0.6198% | 6,066 |
| Net loans and leases to total assets | 55.5825% | 6,187 |
| Net loans and leases to deposits | 64.6258% | 6,438 |
| Net loans and leases to core deposits | 87.8929% | 5,653 |
| Total domestic deposits to total assets | 86.0066% | 2,702 |
| Equity capital to assets | 12.8930% | 1,739 |
| Core capital (leverage) ratio | 12.3370% | 1,646 |
| Tier 1 risk-based capital ratio | 23.1965% | 1,084 |
| Total risk-based capital ratio | 24.4530% | 1,056 |
| Memoranda: | ||
| Average total assets | $34,925,750 | 7,339 |
| Average earning assets | $31,673,250 | 7,343 |
| Average equity | $4,396,250 | 7,216 |
| Average total loans | $19,614,750 | 7,280 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9815% | 2,259 |
| Cost of funding earning assets | 1.6160% | 5,683 |
| Net interest margin | 4.3656% | 1,483 |
| Noninterest income to average assets | 0.4609% | 4,770 |
| Noninterest expense to average assets | 3.9832% | 1,337 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3983% | 4,519 |
| Return on assets (ROA) | 0.3983% | 4,628 |
| Pretax return on assets | 0.4438% | 4,818 |
| Return on Equity (ROE) | 3.1896% | 4,826 |
| Retained earnings to average equity (ytd only) | 3.1896% | 3,539 |
| Net charge-offs to loans | 0.4264% | 3,095 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.8571% | 4,179 |
| Efficiency ratio | 89.9743% | 1,814 |
| Assets per employee ($millions) | 1.6900% | 8,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 2,502 |
| Loan loss allowance to noncurrent loans | 536.0656% | 613 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 4,802 |
| Noncurrent loans to loans | 0.3089% | 6,736 |
| Net loans and leases to total assets | 57.4615% | 6,040 |
| Net loans and leases to deposits | 66.9309% | 6,299 |
| Net loans and leases to core deposits | 87.5377% | 5,762 |
| Total domestic deposits to total assets | 85.8521% | 2,863 |
| Equity capital to assets | 13.0325% | 1,676 |
| Core capital (leverage) ratio | 12.4161% | 1,647 |
| Tier 1 risk-based capital ratio | 22.7552% | 1,165 |
| Total risk-based capital ratio | 23.9959% | 1,132 |
| Memoranda: | ||
| Average total assets | $35,148,000 | 7,400 |
| Average earning assets | $31,931,670 | 7,403 |
| Average equity | $4,389,330 | 7,280 |
| Average total loans | $19,699,000 | 7,345 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8704% | 2,936 |
| Cost of funding earning assets | 1.6737% | 5,726 |
| Net interest margin | 4.1967% | 1,908 |
| Noninterest income to average assets | 0.4355% | 4,914 |
| Noninterest expense to average assets | 3.9417% | 1,254 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3015% | 5,292 |
| Return on assets (ROA) | 0.3015% | 5,467 |
| Pretax return on assets | 0.3015% | 5,679 |
| Return on Equity (ROE) | 2.4649% | 5,588 |
| Retained earnings to average equity (ytd only) | 2.4649% | 4,501 |
| Net charge-offs to loans | 0.3863% | 2,554 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.4211% | 4,026 |
| Efficiency ratio | 92.8947% | 1,506 |
| Assets per employee ($millions) | 1.7323% | 8,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7916% | 1,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7360% | 5,325 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 55.3772% | 6,320 |
| Net loans and leases to deposits | 64.1672% | 6,547 |
| Net loans and leases to core deposits | 82.4495% | 6,197 |
| Total domestic deposits to total assets | 86.3014% | 2,554 |
| Equity capital to assets | 12.7028% | 1,886 |
| Core capital (leverage) ratio | 11.5233% | 2,131 |
| Tier 1 risk-based capital ratio | 22.5808% | 1,234 |
| Total risk-based capital ratio | 23.8407% | 1,204 |
| Memoranda: | ||
| Average total assets | $35,822,000 | 7,422 |
| Average earning assets | $32,502,000 | 7,420 |
| Average equity | $4,381,500 | 7,324 |
| Average total loans | $19,674,000 | 7,390 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6133% | 2,423 |
| Cost of funding earning assets | 2.1144% | 5,984 |
| Net interest margin | 4.4989% | 1,425 |
| Noninterest income to average assets | 0.4420% | 5,095 |
| Noninterest expense to average assets | 3.9753% | 1,456 |
| Loan and lease loss provision to assets | 0.4365% | 3,106 |
| Net operating income to assets | 0.1105% | 6,085 |
| Return on assets (ROA) | 0.1105% | 5,921 |
| Pretax return on assets | 0.1271% | 5,890 |
| Return on Equity (ROE) | 0.9498% | 5,931 |
| Retained earnings to average equity (ytd only) | -0.2374% | 5,358 |
| Net charge-offs to loans | 0.4762% | 2,454 |
| Credit loss provision to net charge-offs | 159.5960% | 3,236 |
| Earnings coverage of net charge-offs (x) | 2.0606% | 5,047 |
| Efficiency ratio | 87.5837% | 1,712 |
| Assets per employee ($millions) | 1.6086% | 8,132 |
| Cash dividends to net income (ytd only)* | 125.0000% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8625% | 1,501 |
| Loan loss allowance to noncurrent loans | 878.5714% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 4,874 |
| Noncurrent loans to loans | 0.2120% | 6,756 |
| Net loans and leases to total assets | 52.5515% | 6,797 |
| Net loans and leases to deposits | 60.4045% | 7,053 |
| Net loans and leases to core deposits | 79.7662% | 6,633 |
| Total domestic deposits to total assets | 86.9993% | 1,934 |
| Equity capital to assets | 11.7898% | 2,442 |
| Core capital (leverage) ratio | 11.7698% | 2,089 |
| Tier 1 risk-based capital ratio | 21.7256% | 1,352 |
| Total risk-based capital ratio | 22.9819% | 1,311 |
| Memoranda: | ||
| Average total assets | $36,198,200 | 7,370 |
| Average earning assets | $32,963,800 | 7,376 |
| Average equity | $4,211,600 | 7,426 |
| Average total loans | $20,791,200 | 7,279 |