Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0532% | 591 |
| Cost of funding earning assets | 1.4221% | 2,170 |
| Net interest margin | 4.6311% | 508 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 3.0714% | 1,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5017% | 1,014 |
| Return on assets (ROA) | 1.5017% | 986 |
| Pretax return on assets | 1.5017% | 1,413 |
| Return on Equity (ROE) | 10.1900% | 2,442 |
| Retained earnings to average equity (ytd only) | 1.7026% | 3,652 |
| Net charge-offs to loans | -0.0326% | 4,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.1628% | 2,213 |
| Assets per employee ($millions) | 3.8847% | 4,197 |
| Cash dividends to net income (ytd only)* | 83.2861% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3522% | 234 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 63.0500% | 2,565 |
| Net loans and leases to deposits | 86.1329% | 1,606 |
| Net loans and leases to core deposits | 98.2222% | 1,531 |
| Total domestic deposits to total assets | 73.2000% | 4,154 |
| Equity capital to assets | 15.4153% | 517 |
| Core capital (leverage) ratio | 14.9124% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $23,507,000 | 4,509 |
| Average earning assets | $21,938,800 | 4,472 |
| Average equity | $3,465,200 | 4,390 |
| Average total loans | $15,343,800 | 4,343 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9461% | 569 |
| Cost of funding earning assets | 1.3348% | 2,045 |
| Net interest margin | 4.6112% | 515 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 3.1300% | 896 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4376% | 1,238 |
| Return on assets (ROA) | 1.4376% | 1,221 |
| Pretax return on assets | 1.4376% | 1,696 |
| Return on Equity (ROE) | 9.8600% | 2,675 |
| Retained earnings to average equity (ytd only) | -1.5534% | 4,295 |
| Net charge-offs to loans | -0.0346% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.5254% | 1,961 |
| Assets per employee ($millions) | 4.0183% | 4,162 |
| Cash dividends to net income (ytd only)* | 115.7480% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2215% | 286 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 64.4400% | 2,394 |
| Net loans and leases to deposits | 86.4656% | 1,514 |
| Net loans and leases to core deposits | 101.1523% | 1,254 |
| Total domestic deposits to total assets | 74.5300% | 4,119 |
| Equity capital to assets | 14.4919% | 585 |
| Core capital (leverage) ratio | 14.3839% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $23,556,750 | 4,536 |
| Average earning assets | $21,974,750 | 4,500 |
| Average equity | $3,433,250 | 4,411 |
| Average total loans | $15,417,250 | 4,366 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8685% | 523 |
| Cost of funding earning assets | 1.1314% | 2,191 |
| Net interest margin | 4.7371% | 430 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 3.2603% | 731 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4205% | 1,279 |
| Return on assets (ROA) | 1.4205% | 1,260 |
| Pretax return on assets | 1.4205% | 1,761 |
| Return on Equity (ROE) | 9.7300% | 2,783 |
| Retained earnings to average equity (ytd only) | -7.5007% | 4,477 |
| Net charge-offs to loans | -0.0393% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.6527% | 1,796 |
| Assets per employee ($millions) | 3.9782% | 4,191 |
| Cash dividends to net income (ytd only)* | 177.1084% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2194% | 297 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 64.9700% | 2,281 |
| Net loans and leases to deposits | 86.0027% | 1,501 |
| Net loans and leases to core deposits | 100.5511% | 1,208 |
| Total domestic deposits to total assets | 75.5500% | 4,079 |
| Equity capital to assets | 14.2696% | 609 |
| Core capital (leverage) ratio | 14.1810% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $23,372,333 | 4,563 |
| Average earning assets | $21,743,333 | 4,529 |
| Average equity | $3,413,000 | 4,447 |
| Average total loans | $15,259,667 | 4,391 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6212% | 507 |
| Cost of funding earning assets | 0.9024% | 2,359 |
| Net interest margin | 4.7188% | 428 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 3.6153% | 475 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0206% | 2,464 |
| Return on assets (ROA) | 1.0206% | 2,430 |
| Pretax return on assets | 1.0206% | 2,933 |
| Return on Equity (ROE) | 6.9100% | 3,537 |
| Retained earnings to average equity (ytd only) | -27.5135% | 4,631 |
| Net charge-offs to loans | -0.0535% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.9851% | 1,005 |
| Assets per employee ($millions) | 3.8577% | 4,309 |
| Cash dividends to net income (ytd only)* | 498.3051% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3045% | 283 |
| 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 | 64.2900% | 2,219 |
| Net loans and leases to deposits | 79.0606% | 1,890 |
| Net loans and leases to core deposits | 90.3790% | 1,597 |
| Total domestic deposits to total assets | 81.3100% | 3,587 |
| Equity capital to assets | 14.2530% | 559 |
| Core capital (leverage) ratio | 14.0127% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $23,124,000 | 4,624 |
| Average earning assets | $21,276,500 | 4,593 |
| Average equity | $3,416,500 | 4,505 |
| Average total loans | $14,959,500 | 4,456 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 377 |
| Cost of funding earning assets | 0.3080% | 2,810 |
| Net interest margin | 4.5663% | 259 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.6835% | 1,594 |
| Loan and lease loss provision to assets | -0.1300% | 4,576 |
| Net operating income to assets | 1.8094% | 432 |
| Return on assets (ROA) | 1.8094% | 417 |
| Pretax return on assets | 1.8094% | 718 |
| Return on Equity (ROE) | 12.2800% | 2,046 |
| Retained earnings to average equity (ytd only) | 3.9760% | 3,404 |
| Net charge-offs to loans | -0.0320% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.5230% | 2,834 |
| Assets per employee ($millions) | 3.8503% | 4,332 |
| Cash dividends to net income (ytd only)* | 67.6329% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3761% | 240 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 62.0700% | 2,431 |
| Net loans and leases to deposits | 77.3576% | 2,008 |
| Net loans and leases to core deposits | 88.6272% | 1,572 |
| Total domestic deposits to total assets | 80.2400% | 3,839 |
| Equity capital to assets | 15.2974% | 448 |
| Core capital (leverage) ratio | 15.1453% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $22,880,400 | 4,658 |
| Average earning assets | $20,454,400 | 4,635 |
| Average equity | $3,370,200 | 4,585 |
| Average total loans | $15,601,000 | 4,469 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 403 |
| Cost of funding earning assets | 0.2811% | 2,373 |
| Net interest margin | 4.3470% | 310 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.6462% | 1,607 |
| Loan and lease loss provision to assets | -0.1800% | 4,663 |
| Net operating income to assets | 1.7057% | 523 |
| Return on assets (ROA) | 1.7057% | 512 |
| Pretax return on assets | 1.7057% | 894 |
| Return on Equity (ROE) | 11.6900% | 2,142 |
| Retained earnings to average equity (ytd only) | 0.4806% | 4,274 |
| Net charge-offs to loans | -0.0337% | 4,170 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.3566% | 2,644 |
| Assets per employee ($millions) | 3.8977% | 4,364 |
| Cash dividends to net income (ytd only)* | 95.8904% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2066% | 343 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 65.9500% | 1,896 |
| Net loans and leases to deposits | 77.3083% | 1,775 |
| Net loans and leases to core deposits | 93.2636% | 1,131 |
| Total domestic deposits to total assets | 85.3100% | 3,215 |
| Equity capital to assets | 14.5899% | 492 |
| Core capital (leverage) ratio | 14.5806% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $22,825,000 | 4,695 |
| Average earning assets | $20,396,750 | 4,670 |
| Average equity | $3,329,250 | 4,631 |
| Average total loans | $15,829,250 | 4,506 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7844% | 227 |
| Cost of funding earning assets | 0.2791% | 1,918 |
| Net interest margin | 4.5053% | 195 |
| Noninterest income to average assets | 0.3180% | 3,266 |
| Noninterest expense to average assets | 2.8271% | 1,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4842% | 743 |
| Return on assets (ROA) | 1.4842% | 723 |
| Pretax return on assets | 1.4842% | 1,217 |
| Return on Equity (ROE) | 10.1767% | 2,273 |
| Retained earnings to average equity (ytd only) | -6.7845% | 4,586 |
| Net charge-offs to loans | -0.0379% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5738% | 2,566 |
| Assets per employee ($millions) | 3.1754% | 4,602 |
| Cash dividends to net income (ytd only)* | 166.6667% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5671% | 233 |
| 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 | 64.3738% | 1,862 |
| Net loans and leases to deposits | 75.6210% | 1,716 |
| Net loans and leases to core deposits | 92.2626% | 1,004 |
| Total domestic deposits to total assets | 85.1269% | 3,459 |
| Equity capital to assets | 14.7922% | 421 |
| Core capital (leverage) ratio | 14.2863% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,638,000 | 4,732 |
| Average earning assets | $20,065,333 | 4,721 |
| Average equity | $3,301,667 | 4,672 |
| Average total loans | $15,848,667 | 4,566 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8949% | 176 |
| Cost of funding earning assets | 0.2809% | 1,809 |
| Net interest margin | 4.6141% | 152 |
| Noninterest income to average assets | 0.3152% | 3,208 |
| Noninterest expense to average assets | 2.6441% | 1,494 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6986% | 414 |
| Return on assets (ROA) | 1.6986% | 416 |
| Pretax return on assets | 1.6986% | 687 |
| Return on Equity (ROE) | 11.7274% | 1,397 |
| Retained earnings to average equity (ytd only) | -22.1248% | 4,714 |
| Net charge-offs to loans | -0.0243% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8871% | 3,386 |
| Assets per employee ($millions) | 3.2201% | 4,623 |
| Cash dividends to net income (ytd only)* | 288.6598% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2960% | 373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 70.7954% | 945 |
| Net loans and leases to deposits | 82.6540% | 964 |
| Net loans and leases to core deposits | 100.3900% | 497 |
| Total domestic deposits to total assets | 85.6528% | 3,358 |
| Equity capital to assets | 14.2718% | 483 |
| Core capital (leverage) ratio | 13.9342% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,843,000 | 4,753 |
| Average earning assets | $19,939,000 | 4,745 |
| Average equity | $3,308,500 | 4,702 |
| Average total loans | $16,430,000 | 4,572 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3067% | 168 |
| Cost of funding earning assets | 0.3584% | 1,869 |
| Net interest margin | 4.9483% | 151 |
| Noninterest income to average assets | 0.2029% | 4,150 |
| Noninterest expense to average assets | 2.9470% | 1,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2573% | 1,723 |
| Return on assets (ROA) | 1.2573% | 1,775 |
| Pretax return on assets | 1.3368% | 2,247 |
| Return on Equity (ROE) | 8.7156% | 3,005 |
| Retained earnings to average equity (ytd only) | 8.1957% | 1,465 |
| Net charge-offs to loans | 0.2452% | 379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 7.5750% | 2,339 |
| Efficiency ratio | 68.7951% | 1,881 |
| Assets per employee ($millions) | 3.3064% | 4,627 |
| Cash dividends to net income (ytd only)* | 5.9649% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2630% | 409 |
| Loan loss allowance to noncurrent loans | 633.8983% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 2,289 |
| Noncurrent loans to loans | 0.3570% | 2,305 |
| Net loans and leases to total assets | 69.7905% | 1,066 |
| Net loans and leases to deposits | 81.9450% | 1,071 |
| Net loans and leases to core deposits | 99.0921% | 578 |
| Total domestic deposits to total assets | 85.1674% | 3,216 |
| Equity capital to assets | 14.6900% | 542 |
| Core capital (leverage) ratio | 14.6281% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,666,800 | 4,788 |
| Average earning assets | $18,693,400 | 4,789 |
| Average equity | $3,270,000 | 4,756 |
| Average total loans | $16,311,200 | 4,629 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3665% | 179 |
| Cost of funding earning assets | 0.3721% | 1,918 |
| Net interest margin | 4.9944% | 162 |
| Noninterest income to average assets | 0.2070% | 4,164 |
| Noninterest expense to average assets | 2.8739% | 1,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3601% | 1,654 |
| Return on assets (ROA) | 1.3601% | 1,712 |
| Pretax return on assets | 1.4606% | 2,107 |
| Return on Equity (ROE) | 9.4721% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.7720% | 1,777 |
| Net charge-offs to loans | 0.3363% | 231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 6.0244% | 2,198 |
| Efficiency ratio | 66.3029% | 2,063 |
| Assets per employee ($millions) | 3.1686% | 4,720 |
| Cash dividends to net income (ytd only)* | 7.3913% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3364% | 368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 72.1821% | 856 |
| Net loans and leases to deposits | 85.1279% | 880 |
| Net loans and leases to core deposits | 103.9745% | 455 |
| Total domestic deposits to total assets | 84.7926% | 3,182 |
| Equity capital to assets | 15.0766% | 527 |
| Core capital (leverage) ratio | 14.7345% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,547,250 | 4,862 |
| Average earning assets | $18,633,750 | 4,863 |
| Average equity | $3,237,500 | 4,828 |
| Average total loans | $16,257,250 | 4,699 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3583% | 203 |
| Cost of funding earning assets | 0.3773% | 2,071 |
| Net interest margin | 4.9810% | 170 |
| Noninterest income to average assets | 0.2470% | 3,920 |
| Noninterest expense to average assets | 2.9378% | 1,088 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3851% | 1,605 |
| Return on assets (ROA) | 1.3851% | 1,679 |
| Pretax return on assets | 1.3851% | 2,379 |
| Return on Equity (ROE) | 9.8064% | 2,826 |
| Retained earnings to average equity (ytd only) | 8.7445% | 1,805 |
| Net charge-offs to loans | 0.5181% | 153 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 3.7381% | 2,060 |
| Efficiency ratio | 67.9592% | 1,883 |
| Assets per employee ($millions) | 3.1617% | 4,755 |
| Cash dividends to net income (ytd only)* | 10.8280% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3098% | 355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 72.9984% | 853 |
| Net loans and leases to deposits | 85.7537% | 930 |
| Net loans and leases to core deposits | 104.6983% | 510 |
| Total domestic deposits to total assets | 85.1256% | 3,045 |
| Equity capital to assets | 14.7840% | 568 |
| Core capital (leverage) ratio | 14.2323% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3939% | 1,835 |
| Memoranda: | ||
| Average total assets | $22,669,667 | 4,898 |
| Average earning assets | $18,550,667 | 4,899 |
| Average equity | $3,202,000 | 4,863 |
| Average total loans | $16,212,000 | 4,735 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4322% | 206 |
| Cost of funding earning assets | 0.4162% | 1,962 |
| Net interest margin | 5.0160% | 184 |
| Noninterest income to average assets | 0.2790% | 3,731 |
| Noninterest expense to average assets | 2.7552% | 1,479 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5171% | 1,291 |
| Return on assets (ROA) | 1.5171% | 1,354 |
| Pretax return on assets | 1.5171% | 1,949 |
| Return on Equity (ROE) | 10.9883% | 2,373 |
| Retained earnings to average equity (ytd only) | 8.8412% | 2,005 |
| Net charge-offs to loans | 1.0966% | 67 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1.9773% | 1,826 |
| Efficiency ratio | 64.4898% | 2,410 |
| Assets per employee ($millions) | 3.2403% | 4,774 |
| Cash dividends to net income (ytd only)* | 19.5402% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3760% | 320 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 68.8343% | 1,424 |
| Net loans and leases to deposits | 80.2065% | 1,502 |
| Net loans and leases to core deposits | 97.2227% | 835 |
| Total domestic deposits to total assets | 85.8214% | 2,800 |
| Equity capital to assets | 14.1169% | 645 |
| Core capital (leverage) ratio | 13.8262% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7874% | 1,971 |
| Memoranda: | ||
| Average total assets | $22,938,500 | 4,921 |
| Average earning assets | $18,261,500 | 4,929 |
| Average equity | $3,167,000 | 4,887 |
| Average total loans | $16,049,000 | 4,759 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0765% | 84 |
| Cost of funding earning assets | 0.8086% | 1,170 |
| Net interest margin | 5.2679% | 90 |
| Noninterest income to average assets | 0.3113% | 3,617 |
| Noninterest expense to average assets | 3.0340% | 1,366 |
| Loan and lease loss provision to assets | 0.3903% | 819 |
| Net operating income to assets | 1.0036% | 2,280 |
| Return on assets (ROA) | 1.0036% | 2,420 |
| Pretax return on assets | 1.0036% | 3,037 |
| Return on Equity (ROE) | 6.9664% | 3,220 |
| Retained earnings to average equity (ytd only) | -3.1284% | 4,769 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5205% | 2,164 |
| Assets per employee ($millions) | 3.3136% | 4,716 |
| Cash dividends to net income (ytd only)* | 144.9074% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6327% | 216 |
| Loan loss allowance to noncurrent loans | 986.0465% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 3,357 |
| Noncurrent loans to loans | 0.2670% | 3,238 |
| Net loans and leases to total assets | 67.6051% | 1,867 |
| Net loans and leases to deposits | 78.2095% | 2,047 |
| Net loans and leases to core deposits | 94.2198% | 1,232 |
| Total domestic deposits to total assets | 86.4410% | 2,172 |
| Equity capital to assets | 13.5029% | 929 |
| Core capital (leverage) ratio | 13.1635% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2821% | 2,129 |
| Memoranda: | ||
| Average total assets | $21,522,800 | 4,942 |
| Average earning assets | $16,819,000 | 4,953 |
| Average equity | $3,100,600 | 4,904 |
| Average total loans | $15,595,400 | 4,796 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1332% | 88 |
| Cost of funding earning assets | 0.8451% | 1,279 |
| Net interest margin | 5.2880% | 98 |
| Noninterest income to average assets | 0.3159% | 3,599 |
| Noninterest expense to average assets | 3.0514% | 1,336 |
| Loan and lease loss provision to assets | 0.3601% | 1,039 |
| Net operating income to assets | 1.0550% | 2,122 |
| Return on assets (ROA) | 1.0550% | 2,258 |
| Pretax return on assets | 1.0550% | 2,888 |
| Return on Equity (ROE) | 7.1995% | 3,123 |
| Retained earnings to average equity (ytd only) | -5.5181% | 4,852 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3168% | 2,138 |
| Assets per employee ($millions) | 3.3463% | 4,723 |
| Cash dividends to net income (ytd only)* | 176.6467% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3724% | 274 |
| Loan loss allowance to noncurrent loans | 902.2727% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 3,493 |
| Noncurrent loans to loans | 0.2629% | 3,353 |
| Net loans and leases to total assets | 69.7447% | 1,996 |
| Net loans and leases to deposits | 84.3287% | 1,877 |
| Net loans and leases to core deposits | 94.0043% | 1,639 |
| Total domestic deposits to total assets | 82.7058% | 3,219 |
| Equity capital to assets | 13.2343% | 1,090 |
| Core capital (leverage) ratio | 13.5430% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0812% | 2,161 |
| Memoranda: | ||
| Average total assets | $21,104,750 | 4,973 |
| Average earning assets | $16,565,250 | 4,985 |
| Average equity | $3,092,750 | 4,934 |
| Average total loans | $15,468,000 | 4,827 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1343% | 126 |
| Cost of funding earning assets | 0.8393% | 1,635 |
| Net interest margin | 5.2950% | 117 |
| Noninterest income to average assets | 0.3345% | 3,467 |
| Noninterest expense to average assets | 3.2658% | 1,051 |
| Loan and lease loss provision to assets | 0.2361% | 1,791 |
| Net operating income to assets | 1.0525% | 2,138 |
| Return on assets (ROA) | 1.0525% | 2,270 |
| Pretax return on assets | 1.0525% | 2,863 |
| Return on Equity (ROE) | 6.9248% | 3,158 |
| Retained earnings to average equity (ytd only) | -12.1670% | 4,950 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7063% | 1,730 |
| Assets per employee ($millions) | 3.1653% | 4,803 |
| Cash dividends to net income (ytd only)* | 275.7009% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3698% | 259 |
| Loan loss allowance to noncurrent loans | 808.8889% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 3,522 |
| Noncurrent loans to loans | 0.2930% | 3,333 |
| Net loans and leases to total assets | 67.6806% | 2,414 |
| Net loans and leases to deposits | 82.5498% | 2,147 |
| Net loans and leases to core deposits | 92.7282% | 1,841 |
| Total domestic deposits to total assets | 81.9876% | 3,372 |
| Equity capital to assets | 13.7248% | 918 |
| Core capital (leverage) ratio | 14.8089% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4569% | 2,016 |
| Memoranda: | ||
| Average total assets | $20,331,667 | 5,012 |
| Average earning assets | $16,204,000 | 5,017 |
| Average equity | $3,090,333 | 4,964 |
| Average total loans | $15,046,000 | 4,863 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2338% | 121 |
| Cost of funding earning assets | 0.8762% | 1,985 |
| Net interest margin | 5.3575% | 115 |
| Noninterest income to average assets | 0.4120% | 3,018 |
| Noninterest expense to average assets | 3.4399% | 1,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3801% | 1,038 |
| Return on assets (ROA) | 1.3801% | 1,114 |
| Pretax return on assets | 1.3801% | 1,626 |
| Return on Equity (ROE) | 8.6035% | 2,277 |
| Retained earnings to average equity (ytd only) | -29.2777% | 5,036 |
| Net charge-offs to loans | -0.0269% | 4,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3675% | 2,173 |
| Assets per employee ($millions) | 2.7517% | 4,884 |
| Cash dividends to net income (ytd only)* | 440.2985% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2939% | 331 |
| Loan loss allowance to noncurrent loans | 723.4043% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 3,484 |
| Noncurrent loans to loans | 0.3171% | 3,359 |
| Net loans and leases to total assets | 75.1843% | 1,428 |
| Net loans and leases to deposits | 94.5856% | 1,031 |
| Net loans and leases to core deposits | 106.6421% | 1,019 |
| Total domestic deposits to total assets | 79.4881% | 3,957 |
| Equity capital to assets | 15.5799% | 658 |
| Core capital (leverage) ratio | 15.6164% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3055% | 1,525 |
| Memoranda: | ||
| Average total assets | $19,419,000 | 5,063 |
| Average earning assets | $15,977,500 | 5,069 |
| Average equity | $3,115,000 | 5,010 |
| Average total loans | $14,889,000 | 4,907 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2978% | 143 |
| Cost of funding earning assets | 0.9643% | 1,886 |
| Net interest margin | 5.3335% | 143 |
| Noninterest income to average assets | 0.3472% | 3,627 |
| Noninterest expense to average assets | 3.3890% | 1,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5908% | 855 |
| Return on assets (ROA) | 1.5908% | 910 |
| Pretax return on assets | 1.6012% | 1,482 |
| Return on Equity (ROE) | 9.9857% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.9857% | 492 |
| Net charge-offs to loans | 0.0522% | 2,369 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 38.6250% | 1,348 |
| Efficiency ratio | 67.9128% | 2,477 |
| Assets per employee ($millions) | 2.7966% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2666% | 300 |
| Loan loss allowance to noncurrent loans | 505.9701% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 3,040 |
| Noncurrent loans to loans | 0.4480% | 2,835 |
| Net loans and leases to total assets | 74.6680% | 1,635 |
| Net loans and leases to deposits | 95.0514% | 1,044 |
| Net loans and leases to core deposits | 107.1078% | 1,038 |
| Total domestic deposits to total assets | 78.5554% | 4,269 |
| Equity capital to assets | 16.4947% | 528 |
| Core capital (leverage) ratio | 16.7897% | 437 |
| Tier 1 risk-based capital ratio | 16.0687% | 2,382 |
| Total risk-based capital ratio | 17.3227% | 2,325 |
| Memoranda: | ||
| Average total assets | $19,298,000 | 5,121 |
| Average earning assets | $16,799,600 | 5,121 |
| Average equity | $3,074,400 | 5,067 |
| Average total loans | $15,329,600 | 4,961 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2963% | 150 |
| Cost of funding earning assets | 0.9687% | 1,896 |
| Net interest margin | 5.3277% | 160 |
| Noninterest income to average assets | 0.3328% | 3,753 |
| Noninterest expense to average assets | 3.4462% | 1,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6017% | 932 |
| Return on assets (ROA) | 1.6017% | 971 |
| Pretax return on assets | 1.6156% | 1,583 |
| Return on Equity (ROE) | 10.1454% | 2,372 |
| Retained earnings to average equity (ytd only) | 10.1454% | 720 |
| Net charge-offs to loans | 0.0086% | 3,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 233.5789% | 394 |
| Efficiency ratio | 68.0822% | 2,404 |
| Assets per employee ($millions) | 2.6694% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2973% | 288 |
| Loan loss allowance to noncurrent loans | 706.1224% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 3,512 |
| Noncurrent loans to loans | 0.3253% | 3,365 |
| Net loans and leases to total assets | 78.7488% | 1,027 |
| Net loans and leases to deposits | 101.0368% | 556 |
| Net loans and leases to core deposits | 114.5671% | 729 |
| Total domestic deposits to total assets | 77.9407% | 4,358 |
| Equity capital to assets | 16.8736% | 496 |
| Core capital (leverage) ratio | 16.3758% | 513 |
| Tier 1 risk-based capital ratio | 16.3216% | 2,327 |
| Total risk-based capital ratio | 17.5795% | 2,258 |
| Memoranda: | ||
| Average total assets | $19,228,500 | 5,200 |
| Average earning assets | $17,067,750 | 5,197 |
| Average equity | $3,035,750 | 5,146 |
| Average total loans | $15,423,000 | 5,034 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1308% | 194 |
| Cost of funding earning assets | 0.9432% | 1,946 |
| Net interest margin | 5.1876% | 203 |
| Noninterest income to average assets | 0.3400% | 3,658 |
| Noninterest expense to average assets | 3.5035% | 956 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4632% | 1,251 |
| Return on assets (ROA) | 1.4632% | 1,306 |
| Pretax return on assets | 1.4838% | 1,910 |
| Return on Equity (ROE) | 9.4772% | 2,648 |
| Retained earnings to average equity (ytd only) | 9.4772% | 913 |
| Net charge-offs to loans | 0.0129% | 2,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 514 |
| Efficiency ratio | 70.2479% | 2,185 |
| Assets per employee ($millions) | 2.7674% | 5,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2395% | 318 |
| Loan loss allowance to noncurrent loans | 501.4493% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3562% | 3,111 |
| Noncurrent loans to loans | 0.4466% | 2,933 |
| Net loans and leases to total assets | 77.9682% | 1,226 |
| Net loans and leases to deposits | 98.4680% | 800 |
| Net loans and leases to core deposits | 110.9039% | 927 |
| Total domestic deposits to total assets | 79.1813% | 4,187 |
| Equity capital to assets | 15.8166% | 645 |
| Core capital (leverage) ratio | 15.6951% | 592 |
| Tier 1 risk-based capital ratio | 15.2445% | 2,733 |
| Total risk-based capital ratio | 16.4983% | 2,671 |
| Memoranda: | ||
| Average total assets | $19,409,330 | 5,244 |
| Average earning assets | $17,387,670 | 5,240 |
| Average equity | $2,996,670 | 5,187 |
| Average total loans | $15,543,670 | 5,076 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1893% | 163 |
| Cost of funding earning assets | 0.8940% | 2,034 |
| Net interest margin | 5.2953% | 173 |
| Noninterest income to average assets | 0.3706% | 3,373 |
| Noninterest expense to average assets | 3.3972% | 1,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6883% | 750 |
| Return on assets (ROA) | 1.6883% | 775 |
| Pretax return on assets | 1.7295% | 1,144 |
| Return on Equity (ROE) | 11.0699% | 1,921 |
| Retained earnings to average equity (ytd only) | 11.0699% | 788 |
| Net charge-offs to loans | 0.0257% | 1,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 738 |
| Efficiency ratio | 66.2651% | 2,907 |
| Assets per employee ($millions) | 3.2298% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2000% | 356 |
| Loan loss allowance to noncurrent loans | 665.3846% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 3,539 |
| Noncurrent loans to loans | 0.3306% | 3,385 |
| Net loans and leases to total assets | 79.3694% | 926 |
| Net loans and leases to deposits | 99.8312% | 650 |
| Net loans and leases to core deposits | 112.2865% | 817 |
| Total domestic deposits to total assets | 79.5036% | 4,250 |
| Equity capital to assets | 15.5013% | 650 |
| Core capital (leverage) ratio | 15.3375% | 628 |
| Tier 1 risk-based capital ratio | 14.9870% | 2,895 |
| Total risk-based capital ratio | 16.2443% | 2,816 |
| Memoranda: | ||
| Average total assets | $19,428,000 | 5,300 |
| Average earning assets | $17,449,500 | 5,292 |
| Average equity | $2,963,000 | 5,243 |
| Average total loans | $15,590,500 | 5,138 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9718% | 169 |
| Cost of funding earning assets | 0.7802% | 1,636 |
| Net interest margin | 5.1916% | 189 |
| Noninterest income to average assets | 0.3358% | 3,869 |
| Noninterest expense to average assets | 3.2762% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5618% | 963 |
| Return on assets (ROA) | 1.5618% | 957 |
| Pretax return on assets | 1.6635% | 1,264 |
| Return on Equity (ROE) | 10.9198% | 2,115 |
| Retained earnings to average equity (ytd only) | 3.4858% | 3,668 |
| Net charge-offs to loans | -0.0064% | 4,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3234% | 2,822 |
| Assets per employee ($millions) | 3.2462% | 4,787 |
| Cash dividends to net income (ytd only)* | 68.0782% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2454% | 305 |
| Loan loss allowance to noncurrent loans | 654.7170% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 3,496 |
| Noncurrent loans to loans | 0.3430% | 3,320 |
| Net loans and leases to total assets | 77.5633% | 1,344 |
| Net loans and leases to deposits | 96.9827% | 975 |
| Net loans and leases to core deposits | 115.2678% | 721 |
| Total domestic deposits to total assets | 79.9764% | 4,112 |
| Equity capital to assets | 15.0023% | 710 |
| Core capital (leverage) ratio | 14.6444% | 767 |
| Tier 1 risk-based capital ratio | 14.5518% | 3,039 |
| Total risk-based capital ratio | 15.8068% | 2,955 |
| Memoranda: | ||
| Average total assets | $19,657,000 | 5,345 |
| Average earning assets | $17,432,000 | 5,342 |
| Average equity | $2,811,400 | 5,294 |
| Average total loans | $15,568,200 | 5,179 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0184% | 150 |
| Cost of funding earning assets | 0.7714% | 1,473 |
| Net interest margin | 5.2471% | 167 |
| Noninterest income to average assets | 0.3316% | 3,936 |
| Noninterest expense to average assets | 3.2754% | 1,359 |
| Loan and lease loss provision to assets | 0.0677% | 2,623 |
| Net operating income to assets | 1.5023% | 1,185 |
| Return on assets (ROA) | 1.5023% | 1,181 |
| Pretax return on assets | 1.6377% | 1,453 |
| Return on Equity (ROE) | 10.6328% | 2,334 |
| Retained earnings to average equity (ytd only) | 1.0536% | 4,845 |
| Net charge-offs to loans | -0.0085% | 4,356 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7609% | 2,913 |
| Assets per employee ($millions) | 2.7033% | 5,211 |
| Cash dividends to net income (ytd only)* | 90.0909% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3973% | 274 |
| Loan loss allowance to noncurrent loans | 661.1111% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 3,543 |
| Noncurrent loans to loans | 0.3626% | 3,350 |
| Net loans and leases to total assets | 76.8113% | 1,531 |
| Net loans and leases to deposits | 96.2902% | 1,120 |
| Net loans and leases to core deposits | 115.0558% | 760 |
| Total domestic deposits to total assets | 79.7706% | 4,156 |
| Equity capital to assets | 15.0399% | 709 |
| Core capital (leverage) ratio | 14.7530% | 769 |
| Tier 1 risk-based capital ratio | 17.8746% | 1,822 |
| Total risk-based capital ratio | 19.1308% | 1,785 |
| Memoranda: | ||
| Average total assets | $19,702,000 | 5,417 |
| Average earning assets | $17,457,000 | 5,409 |
| Average equity | $2,783,750 | 5,365 |
| Average total loans | $15,596,750 | 5,241 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8822% | 167 |
| Cost of funding earning assets | 0.7353% | 1,443 |
| Net interest margin | 5.1470% | 189 |
| Noninterest income to average assets | 0.3507% | 3,817 |
| Noninterest expense to average assets | 3.0759% | 1,844 |
| Loan and lease loss provision to assets | 0.1002% | 1,944 |
| Net operating income to assets | 1.5329% | 1,070 |
| Return on assets (ROA) | 1.5329% | 1,073 |
| Pretax return on assets | 1.7333% | 1,131 |
| Return on Equity (ROE) | 11.0749% | 2,081 |
| Retained earnings to average equity (ytd only) | -3.4021% | 5,233 |
| Net charge-offs to loans | -0.0126% | 4,396 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6531% | 3,539 |
| Assets per employee ($millions) | 2.8651% | 5,186 |
| Cash dividends to net income (ytd only)* | 130.7190% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3242% | 303 |
| Loan loss allowance to noncurrent loans | 637.5000% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 3,658 |
| Noncurrent loans to loans | 0.3646% | 3,388 |
| Net loans and leases to total assets | 74.8055% | 1,819 |
| Net loans and leases to deposits | 92.0599% | 1,572 |
| Net loans and leases to core deposits | 116.8549% | 671 |
| Total domestic deposits to total assets | 81.2575% | 3,928 |
| Equity capital to assets | 13.8462% | 972 |
| Core capital (leverage) ratio | 13.6395% | 1,019 |
| Tier 1 risk-based capital ratio | 17.4500% | 1,955 |
| Total risk-based capital ratio | 18.7068% | 1,905 |
| Memoranda: | ||
| Average total assets | $19,961,670 | 5,480 |
| Average earning assets | $17,680,330 | 5,473 |
| Average equity | $2,763,000 | 5,428 |
| Average total loans | $15,831,670 | 5,297 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9506% | 147 |
| Cost of funding earning assets | 0.6711% | 1,593 |
| Net interest margin | 5.2795% | 142 |
| Noninterest income to average assets | 0.3615% | 3,724 |
| Noninterest expense to average assets | 3.1937% | 1,576 |
| Loan and lease loss provision to assets | 0.2009% | 833 |
| Net operating income to assets | 1.3056% | 1,625 |
| Return on assets (ROA) | 1.3056% | 1,630 |
| Pretax return on assets | 1.7073% | 1,100 |
| Return on Equity (ROE) | 9.4340% | 2,698 |
| Retained earnings to average equity (ytd only) | -19.5936% | 5,501 |
| Net charge-offs to loans | -0.0249% | 4,659 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5984% | 3,687 |
| Assets per employee ($millions) | 2.8777% | 5,235 |
| Cash dividends to net income (ytd only)* | 307.6923% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2072% | 382 |
| Loan loss allowance to noncurrent loans | 626.3158% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 3,728 |
| Noncurrent loans to loans | 0.3524% | 3,506 |
| Net loans and leases to total assets | 78.5197% | 1,157 |
| Net loans and leases to deposits | 95.9944% | 1,036 |
| Net loans and leases to core deposits | 121.4543% | 544 |
| Total domestic deposits to total assets | 81.7961% | 4,016 |
| Equity capital to assets | 13.3489% | 1,092 |
| Core capital (leverage) ratio | 13.8694% | 901 |
| Tier 1 risk-based capital ratio | 15.1921% | 2,792 |
| Total risk-based capital ratio | 16.4463% | 2,723 |
| Memoranda: | ||
| Average total assets | $19,914,500 | 5,542 |
| Average earning assets | $17,880,500 | 5,535 |
| Average equity | $2,756,000 | 5,488 |
| Average total loans | $16,067,500 | 5,352 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5131% | 259 |
| Cost of funding earning assets | 0.5820% | 1,725 |
| Net interest margin | 4.9311% | 267 |
| Noninterest income to average assets | 0.3506% | 3,958 |
| Noninterest expense to average assets | 3.1603% | 1,698 |
| Loan and lease loss provision to assets | 0.1729% | 1,264 |
| Net operating income to assets | 1.4361% | 933 |
| Return on assets (ROA) | 1.4361% | 950 |
| Pretax return on assets | 1.4937% | 1,666 |
| Return on Equity (ROE) | 10.9204% | 1,514 |
| Retained earnings to average equity (ytd only) | -0.7670% | 5,157 |
| Net charge-offs to loans | 0.1694% | 1,455 |
| Credit loss provision to net charge-offs | 128.5714% | 2,045 |
| Earnings coverage of net charge-offs (x) | 12.3929% | 2,481 |
| Efficiency ratio | 65.4726% | 3,344 |
| Assets per employee ($millions) | 2.8121% | 5,313 |
| Cash dividends to net income (ytd only)* | 107.0234% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1678% | 396 |
| Loan loss allowance to noncurrent loans | 558.0645% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 3,617 |
| Noncurrent loans to loans | 0.3884% | 3,370 |
| Net loans and leases to total assets | 79.3244% | 1,063 |
| Net loans and leases to deposits | 97.0418% | 988 |
| Net loans and leases to core deposits | 106.6817% | 1,229 |
| Total domestic deposits to total assets | 81.7424% | 3,931 |
| Equity capital to assets | 14.3409% | 821 |
| Core capital (leverage) ratio | 13.8477% | 871 |
| Tier 1 risk-based capital ratio | 16.1020% | 2,395 |
| Total risk-based capital ratio | 17.3568% | 2,334 |
| Memoranda: | ||
| Average total assets | $20,820,800 | 5,596 |
| Average earning assets | $18,900,400 | 5,584 |
| Average equity | $2,738,000 | 5,548 |
| Average total loans | $16,526,200 | 5,407 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4819% | 259 |
| Cost of funding earning assets | 0.5898% | 1,606 |
| Net interest margin | 4.8921% | 279 |
| Noninterest income to average assets | 0.3475% | 4,052 |
| Noninterest expense to average assets | 3.0956% | 1,812 |
| Loan and lease loss provision to assets | 0.2274% | 805 |
| Net operating income to assets | 1.4214% | 1,043 |
| Return on assets (ROA) | 1.4214% | 1,072 |
| Pretax return on assets | 1.4783% | 1,850 |
| Return on Equity (ROE) | 11.0422% | 1,682 |
| Retained earnings to average equity (ytd only) | -4.6622% | 5,534 |
| Net charge-offs to loans | 0.0880% | 1,917 |
| Credit loss provision to net charge-offs | 327.2727% | 920 |
| Earnings coverage of net charge-offs (x) | 24.5392% | 1,765 |
| Efficiency ratio | 64.4737% | 3,452 |
| Assets per employee ($millions) | 2.8209% | 5,378 |
| Cash dividends to net income (ytd only)* | 142.2247% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2152% | 395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 81.1506% | 815 |
| Net loans and leases to deposits | 98.7551% | 842 |
| Net loans and leases to core deposits | 103.2075% | 1,450 |
| Total domestic deposits to total assets | 82.1736% | 3,719 |
| Equity capital to assets | 13.9269% | 1,016 |
| Core capital (leverage) ratio | 13.5488% | 1,010 |
| Tier 1 risk-based capital ratio | 15.9689% | 2,524 |
| Total risk-based capital ratio | 17.2290% | 2,453 |
| Memoranda: | ||
| Average total assets | $21,104,750 | 5,653 |
| Average earning assets | $19,214,250 | 5,642 |
| Average equity | $2,716,750 | 5,612 |
| Average total loans | $16,667,500 | 5,459 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3629% | 297 |
| Cost of funding earning assets | 0.5867% | 1,533 |
| Net interest margin | 4.7762% | 340 |
| Noninterest income to average assets | 0.3618% | 3,969 |
| Noninterest expense to average assets | 3.1636% | 1,675 |
| Loan and lease loss provision to assets | 0.0557% | 2,859 |
| Net operating income to assets | 1.3916% | 1,092 |
| Return on assets (ROA) | 1.3916% | 1,115 |
| Pretax return on assets | 1.4473% | 1,833 |
| Return on Equity (ROE) | 11.0878% | 1,611 |
| Retained earnings to average equity (ytd only) | -12.5662% | 5,681 |
| Net charge-offs to loans | 0.1313% | 1,372 |
| Credit loss provision to net charge-offs | 54.5455% | 2,510 |
| Earnings coverage of net charge-offs (x) | 14.7273% | 2,055 |
| Efficiency ratio | 67.7932% | 3,053 |
| Assets per employee ($millions) | 2.9836% | 5,282 |
| Cash dividends to net income (ytd only)* | 213.3333% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9454% | 665 |
| Loan loss allowance to noncurrent loans | 406.0976% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 3,543 |
| Noncurrent loans to loans | 0.4791% | 3,313 |
| Net loans and leases to total assets | 80.3639% | 892 |
| Net loans and leases to deposits | 97.3324% | 953 |
| Net loans and leases to core deposits | 101.4507% | 1,554 |
| Total domestic deposits to total assets | 82.5664% | 3,699 |
| Equity capital to assets | 12.8082% | 1,468 |
| Core capital (leverage) ratio | 12.4315% | 1,399 |
| Tier 1 risk-based capital ratio | 12.9722% | 4,012 |
| Total risk-based capital ratio | 14.2234% | 3,935 |
| Memoranda: | ||
| Average total assets | $21,557,670 | 5,696 |
| Average earning assets | $19,429,670 | 5,690 |
| Average equity | $2,705,670 | 5,662 |
| Average total loans | $16,761,000 | 5,502 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3052% | 315 |
| Cost of funding earning assets | 0.5825% | 1,501 |
| Net interest margin | 4.7226% | 360 |
| Noninterest income to average assets | 0.3837% | 3,784 |
| Noninterest expense to average assets | 3.0511% | 2,007 |
| Loan and lease loss provision to assets | 0.1096% | 1,748 |
| Net operating income to assets | 1.3154% | 1,201 |
| Return on assets (ROA) | 1.3154% | 1,235 |
| Pretax return on assets | 1.3702% | 1,987 |
| Return on Equity (ROE) | 10.5843% | 1,703 |
| Retained earnings to average equity (ytd only) | -36.4572% | 5,805 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3387% | 3,296 |
| Assets per employee ($millions) | 3.0729% | 5,297 |
| Cash dividends to net income (ytd only)* | 444.4444% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9781% | 696 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.9995% | 1,820 |
| Noncurrent loans to loans | 1.2363% | 1,635 |
| Net loans and leases to total assets | 79.2469% | 941 |
| Net loans and leases to deposits | 93.9070% | 1,114 |
| Net loans and leases to core deposits | 97.6736% | 1,685 |
| Total domestic deposits to total assets | 84.3887% | 3,337 |
| Equity capital to assets | 12.0735% | 1,781 |
| Core capital (leverage) ratio | 12.1793% | 1,514 |
| Tier 1 risk-based capital ratio | 13.8847% | 3,551 |
| Total risk-based capital ratio | 15.1411% | 3,461 |
| Memoranda: | ||
| Average total assets | $21,894,000 | 5,761 |
| Average earning assets | $19,226,500 | 5,760 |
| Average equity | $2,721,000 | 5,722 |
| Average total loans | $16,583,000 | 5,570 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 350 |
| Cost of funding earning assets | 0.5536% | 1,656 |
| Net interest margin | 4.7543% | 384 |
| Noninterest income to average assets | 0.4194% | 3,742 |
| Noninterest expense to average assets | 2.9693% | 2,442 |
| Loan and lease loss provision to assets | -0.0337% | 5,543 |
| Net operating income to assets | 1.6245% | 643 |
| Return on assets (ROA) | 1.6245% | 670 |
| Pretax return on assets | 1.7064% | 986 |
| Return on Equity (ROE) | 11.2042% | 1,505 |
| Retained earnings to average equity (ytd only) | -10.0738% | 5,786 |
| Net charge-offs to loans | 0.2045% | 1,362 |
| Credit loss provision to net charge-offs | -21.2121% | 4,771 |
| Earnings coverage of net charge-offs (x) | 10.5152% | 2,635 |
| Efficiency ratio | 63.9668% | 3,946 |
| Assets per employee ($millions) | 3.1826% | 5,168 |
| Cash dividends to net income (ytd only)* | 189.9110% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1425% | 502 |
| Loan loss allowance to noncurrent loans | 352.0833% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.4309% | 3,545 |
| Noncurrent loans to loans | 0.6085% | 3,025 |
| Net loans and leases to total assets | 69.2971% | 2,581 |
| Net loans and leases to deposits | 86.1736% | 2,144 |
| Net loans and leases to core deposits | 89.6776% | 2,535 |
| Total domestic deposits to total assets | 80.4157% | 4,472 |
| Equity capital to assets | 12.7704% | 1,361 |
| Core capital (leverage) ratio | 13.1215% | 1,095 |
| Tier 1 risk-based capital ratio | 16.8773% | 2,196 |
| Total risk-based capital ratio | 18.1349% | 2,145 |
| Memoranda: | ||
| Average total assets | $20,745,400 | 5,832 |
| Average earning assets | $18,425,400 | 5,825 |
| Average equity | $3,007,800 | 5,758 |
| Average total loans | $16,135,000 | 5,638 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4381% | 279 |
| Cost of funding earning assets | 0.5489% | 1,703 |
| Net interest margin | 4.8892% | 310 |
| Noninterest income to average assets | 0.4452% | 3,592 |
| Noninterest expense to average assets | 3.0448% | 2,187 |
| Loan and lease loss provision to assets | -0.1310% | 5,822 |
| Net operating income to assets | 1.8727% | 428 |
| Return on assets (ROA) | 1.8727% | 446 |
| Pretax return on assets | 1.9644% | 626 |
| Return on Equity (ROE) | 12.5084% | 1,172 |
| Retained earnings to average equity (ytd only) | -1.4870% | 5,549 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4161% | 4,155 |
| Assets per employee ($millions) | 2.9606% | 5,419 |
| Cash dividends to net income (ytd only)* | 111.8903% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3139% | 428 |
| Loan loss allowance to noncurrent loans | 275.3846% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 3,027 |
| Noncurrent loans to loans | 0.8402% | 2,580 |
| Net loans and leases to total assets | 72.9299% | 2,030 |
| Net loans and leases to deposits | 93.8991% | 1,266 |
| Net loans and leases to core deposits | 98.1684% | 1,795 |
| Total domestic deposits to total assets | 77.6684% | 4,967 |
| Equity capital to assets | 15.0261% | 735 |
| Core capital (leverage) ratio | 15.3793% | 573 |
| Tier 1 risk-based capital ratio | 14.5923% | 3,240 |
| Total risk-based capital ratio | 15.8435% | 3,179 |
| Memoranda: | ||
| Average total assets | $20,362,250 | 5,899 |
| Average earning assets | $18,461,750 | 5,885 |
| Average equity | $3,048,500 | 5,816 |
| Average total loans | $16,224,750 | 5,695 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3713% | 314 |
| Cost of funding earning assets | 0.5253% | 1,897 |
| Net interest margin | 4.8460% | 340 |
| Noninterest income to average assets | 0.5138% | 3,099 |
| Noninterest expense to average assets | 3.1025% | 2,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7785% | 493 |
| Return on assets (ROA) | 1.7785% | 522 |
| Pretax return on assets | 1.8773% | 732 |
| Return on Equity (ROE) | 11.8943% | 1,357 |
| Retained earnings to average equity (ytd only) | -9.2511% | 5,868 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3016% | 4,297 |
| Assets per employee ($millions) | 2.8634% | 5,562 |
| Cash dividends to net income (ytd only)* | 177.7778% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3367% | 439 |
| Loan loss allowance to noncurrent loans | 572.7273% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 4,181 |
| Noncurrent loans to loans | 0.4080% | 3,894 |
| Net loans and leases to total assets | 78.8216% | 1,095 |
| Net loans and leases to deposits | 101.7583% | 580 |
| Net loans and leases to core deposits | 106.5628% | 1,136 |
| Total domestic deposits to total assets | 77.4596% | 5,088 |
| Equity capital to assets | 15.0070% | 726 |
| Core capital (leverage) ratio | 14.7683% | 652 |
| Tier 1 risk-based capital ratio | 14.5440% | 3,293 |
| Total risk-based capital ratio | 15.8012% | 3,225 |
| Memoranda: | ||
| Average total assets | $20,241,670 | 5,975 |
| Average earning assets | $18,654,670 | 5,958 |
| Average equity | $3,026,670 | 5,890 |
| Average total loans | $16,475,670 | 5,754 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5041% | 257 |
| Cost of funding earning assets | 0.4888% | 2,189 |
| Net interest margin | 5.0153% | 244 |
| Noninterest income to average assets | 0.4916% | 3,181 |
| Noninterest expense to average assets | 3.1464% | 1,965 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8879% | 406 |
| Return on assets (ROA) | 1.8879% | 432 |
| Pretax return on assets | 1.9862% | 585 |
| Return on Equity (ROE) | 12.6482% | 1,114 |
| Retained earnings to average equity (ytd only) | -29.5125% | 6,023 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3027% | 4,557 |
| Assets per employee ($millions) | 2.9210% | 5,585 |
| Cash dividends to net income (ytd only)* | 333.3333% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2821% | 524 |
| Loan loss allowance to noncurrent loans | 564.1791% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 4,258 |
| Noncurrent loans to loans | 0.4045% | 3,988 |
| Net loans and leases to total assets | 79.1608% | 927 |
| Net loans and leases to deposits | 101.0677% | 559 |
| Net loans and leases to core deposits | 105.6872% | 1,092 |
| Total domestic deposits to total assets | 78.3244% | 5,080 |
| Equity capital to assets | 14.3004% | 882 |
| Core capital (leverage) ratio | 14.1777% | 770 |
| Tier 1 risk-based capital ratio | 14.0997% | 3,617 |
| Total risk-based capital ratio | 15.3535% | 3,550 |
| Memoranda: | ||
| Average total assets | $20,340,500 | 6,035 |
| Average earning assets | $18,822,500 | 6,017 |
| Average equity | $3,036,000 | 5,942 |
| Average total loans | $16,625,000 | 5,803 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3728% | 333 |
| Cost of funding earning assets | 0.4133% | 3,016 |
| Net interest margin | 4.9595% | 275 |
| Noninterest income to average assets | 0.4698% | 3,532 |
| Noninterest expense to average assets | 3.1220% | 2,171 |
| Loan and lease loss provision to assets | -0.1419% | 5,913 |
| Net operating income to assets | 1.9965% | 348 |
| Return on assets (ROA) | 1.9965% | 354 |
| Pretax return on assets | 2.0699% | 465 |
| Return on Equity (ROE) | 13.7346% | 903 |
| Retained earnings to average equity (ytd only) | 7.3386% | 1,153 |
| Net charge-offs to loans | -0.0357% | 5,461 |
| Credit loss provision to net charge-offs | 483.3333% | 652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8217% | 4,638 |
| Assets per employee ($millions) | 2.8906% | 5,623 |
| Cash dividends to net income (ytd only)* | 46.5686% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2654% | 540 |
| Loan loss allowance to noncurrent loans | 478.4810% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 4,031 |
| Noncurrent loans to loans | 0.4735% | 3,772 |
| Net loans and leases to total assets | 80.5970% | 762 |
| Net loans and leases to deposits | 97.1871% | 890 |
| Net loans and leases to core deposits | 101.4179% | 1,410 |
| Total domestic deposits to total assets | 82.9297% | 3,857 |
| Equity capital to assets | 15.5580% | 588 |
| Core capital (leverage) ratio | 15.1835% | 585 |
| Tier 1 risk-based capital ratio | 15.4147% | 2,979 |
| Total risk-based capital ratio | 16.6781% | 2,908 |
| Memoranda: | ||
| Average total assets | $20,435,600 | 6,089 |
| Average earning assets | $18,872,800 | 6,070 |
| Average equity | $2,970,600 | 6,008 |
| Average total loans | $16,824,800 | 5,835 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4141% | 310 |
| Cost of funding earning assets | 0.4170% | 3,040 |
| Net interest margin | 4.9970% | 256 |
| Noninterest income to average assets | 0.4881% | 3,456 |
| Noninterest expense to average assets | 3.1305% | 2,139 |
| Loan and lease loss provision to assets | -0.0260% | 5,863 |
| Net operating income to assets | 1.9070% | 420 |
| Return on assets (ROA) | 1.9070% | 440 |
| Pretax return on assets | 1.9851% | 612 |
| Return on Equity (ROE) | 13.3502% | 1,046 |
| Retained earnings to average equity (ytd only) | 4.6930% | 3,134 |
| Net charge-offs to loans | -0.0316% | 5,379 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5090% | 4,646 |
| Assets per employee ($millions) | 2.8357% | 5,721 |
| Cash dividends to net income (ytd only)* | 64.8467% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4504% | 465 |
| Loan loss allowance to noncurrent loans | 589.7059% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 4,406 |
| Noncurrent loans to loans | 0.4155% | 4,117 |
| Net loans and leases to total assets | 80.4232% | 760 |
| Net loans and leases to deposits | 94.9616% | 1,098 |
| Net loans and leases to core deposits | 99.0876% | 1,594 |
| Total domestic deposits to total assets | 84.6902% | 3,136 |
| Equity capital to assets | 15.2796% | 684 |
| Core capital (leverage) ratio | 14.9527% | 645 |
| Tier 1 risk-based capital ratio | 15.0015% | 3,290 |
| Total risk-based capital ratio | 16.2677% | 3,223 |
| Memoranda: | ||
| Average total assets | $20,486,000 | 6,172 |
| Average earning assets | $18,864,000 | 6,157 |
| Average equity | $2,926,250 | 6,095 |
| Average total loans | $16,859,500 | 5,908 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4539% | 288 |
| Cost of funding earning assets | 0.4114% | 3,142 |
| Net interest margin | 5.0425% | 229 |
| Noninterest income to average assets | 0.4735% | 3,532 |
| Noninterest expense to average assets | 3.2177% | 1,928 |
| Loan and lease loss provision to assets | 0.1546% | 1,374 |
| Net operating income to assets | 1.6427% | 693 |
| Return on assets (ROA) | 1.6427% | 722 |
| Pretax return on assets | 1.7200% | 1,044 |
| Return on Equity (ROE) | 11.7620% | 1,448 |
| Retained earnings to average equity (ytd only) | -1.3838% | 5,754 |
| Net charge-offs to loans | -0.0470% | 5,523 |
| Credit loss provision to net charge-offs | -400.0000% | 5,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1879% | 4,485 |
| Assets per employee ($millions) | 2.9281% | 5,684 |
| Cash dividends to net income (ytd only)* | 111.7647% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5523% | 460 |
| Loan loss allowance to noncurrent loans | 77.5322% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 2.6492% | 686 |
| Noncurrent loans to loans | 3.2919% | 557 |
| Net loans and leases to total assets | 78.4212% | 1,011 |
| Net loans and leases to deposits | 91.4334% | 1,434 |
| Net loans and leases to core deposits | 95.2251% | 1,861 |
| Total domestic deposits to total assets | 85.7686% | 2,811 |
| Equity capital to assets | 14.1972% | 915 |
| Core capital (leverage) ratio | 13.9729% | 846 |
| Tier 1 risk-based capital ratio | 14.0187% | 3,911 |
| Total risk-based capital ratio | 15.2760% | 3,846 |
| Memoranda: | ||
| Average total assets | $20,698,000 | 6,245 |
| Average earning assets | $18,959,000 | 6,232 |
| Average equity | $2,890,670 | 6,160 |
| Average total loans | $17,024,330 | 5,960 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5385% | 242 |
| Cost of funding earning assets | 0.4164% | 3,121 |
| Net interest margin | 5.1221% | 198 |
| Noninterest income to average assets | 0.4616% | 3,565 |
| Noninterest expense to average assets | 3.3079% | 1,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7694% | 512 |
| Return on assets (ROA) | 1.7694% | 539 |
| Pretax return on assets | 1.8848% | 738 |
| Return on Equity (ROE) | 12.7733% | 1,144 |
| Retained earnings to average equity (ytd only) | -13.6064% | 6,207 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7037% | 4,521 |
| Assets per employee ($millions) | 2.8606% | 5,820 |
| Cash dividends to net income (ytd only)* | 206.5217% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3191% | 692 |
| Loan loss allowance to noncurrent loans | 556.9444% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 4,570 |
| Noncurrent loans to loans | 0.4164% | 4,343 |
| Net loans and leases to total assets | 84.3488% | 286 |
| Net loans and leases to deposits | 98.2777% | 658 |
| Net loans and leases to core deposits | 102.4506% | 1,150 |
| Total domestic deposits to total assets | 85.8270% | 3,028 |
| Equity capital to assets | 14.1430% | 937 |
| Core capital (leverage) ratio | 13.5639% | 952 |
| Tier 1 risk-based capital ratio | 15.5921% | 3,107 |
| Total risk-based capital ratio | 16.8529% | 3,040 |
| Memoranda: | ||
| Average total assets | $20,798,500 | 6,313 |
| Average earning assets | $19,211,000 | 6,295 |
| Average equity | $2,881,000 | 6,223 |
| Average total loans | $17,289,000 | 6,001 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5615% | 288 |
| Cost of funding earning assets | 0.4278% | 3,406 |
| Net interest margin | 5.1336% | 234 |
| Noninterest income to average assets | 0.5554% | 3,146 |
| Noninterest expense to average assets | 3.1727% | 2,281 |
| Loan and lease loss provision to assets | 0.0724% | 3,032 |
| Net operating income to assets | 1.8206% | 460 |
| Return on assets (ROA) | 1.8206% | 475 |
| Pretax return on assets | 1.8882% | 661 |
| Return on Equity (ROE) | 13.5641% | 1,024 |
| Retained earnings to average equity (ytd only) | 5.2889% | 2,411 |
| Net charge-offs to loans | -0.0235% | 5,735 |
| Credit loss provision to net charge-offs | -375.0000% | 5,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8062% | 4,939 |
| Assets per employee ($millions) | 3.0819% | 5,588 |
| Cash dividends to net income (ytd only)* | 61.0080% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3197% | 706 |
| Loan loss allowance to noncurrent loans | 520.7792% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 4,630 |
| Noncurrent loans to loans | 0.4454% | 4,308 |
| Net loans and leases to total assets | 78.2738% | 965 |
| Net loans and leases to deposits | 93.1076% | 1,172 |
| Net loans and leases to core deposits | 96.8456% | 1,648 |
| Total domestic deposits to total assets | 84.0680% | 3,685 |
| Equity capital to assets | 13.5818% | 1,120 |
| Core capital (leverage) ratio | 13.8358% | 858 |
| Tier 1 risk-based capital ratio | 15.6551% | 3,150 |
| Total risk-based capital ratio | 16.9160% | 3,076 |
| Memoranda: | ||
| Average total assets | $20,707,600 | 6,402 |
| Average earning assets | $18,466,400 | 6,390 |
| Average equity | $2,779,400 | 6,307 |
| Average total loans | $17,015,600 | 6,086 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5847% | 279 |
| Cost of funding earning assets | 0.4307% | 3,459 |
| Net interest margin | 5.1541% | 218 |
| Noninterest income to average assets | 0.5791% | 3,001 |
| Noninterest expense to average assets | 3.1688% | 2,267 |
| Loan and lease loss provision to assets | 0.0976% | 2,412 |
| Net operating income to assets | 1.8414% | 471 |
| Return on assets (ROA) | 1.8414% | 486 |
| Pretax return on assets | 1.9064% | 712 |
| Return on Equity (ROE) | 13.7620% | 1,037 |
| Retained earnings to average equity (ytd only) | 2.5772% | 4,751 |
| Net charge-offs to loans | -0.0078% | 5,379 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2579% | 4,996 |
| Assets per employee ($millions) | 3.0313% | 5,694 |
| Cash dividends to net income (ytd only)* | 81.2732% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2360% | 893 |
| Loan loss allowance to noncurrent loans | 427.9570% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 4,601 |
| Noncurrent loans to loans | 0.5225% | 4,365 |
| Net loans and leases to total assets | 82.0114% | 506 |
| Net loans and leases to deposits | 97.3375% | 772 |
| Net loans and leases to core deposits | 102.8244% | 1,164 |
| Total domestic deposits to total assets | 84.2547% | 3,656 |
| Equity capital to assets | 13.3607% | 1,253 |
| Core capital (leverage) ratio | 13.8225% | 893 |
| Tier 1 risk-based capital ratio | 14.8189% | 3,695 |
| Total risk-based capital ratio | 16.0786% | 3,623 |
| Memoranda: | ||
| Average total assets | $20,491,250 | 6,481 |
| Average earning assets | $18,263,500 | 6,470 |
| Average equity | $2,741,750 | 6,385 |
| Average total loans | $16,947,750 | 6,153 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6531% | 243 |
| Cost of funding earning assets | 0.4262% | 3,589 |
| Net interest margin | 5.2269% | 191 |
| Noninterest income to average assets | 0.5828% | 2,906 |
| Noninterest expense to average assets | 3.3681% | 1,756 |
| Loan and lease loss provision to assets | 0.1482% | 1,666 |
| Net operating income to assets | 1.6001% | 704 |
| Return on assets (ROA) | 1.6001% | 733 |
| Pretax return on assets | 1.6692% | 1,087 |
| Return on Equity (ROE) | 11.9528% | 1,436 |
| Retained earnings to average equity (ytd only) | -5.0172% | 6,237 |
| Net charge-offs to loans | -0.0600% | 5,953 |
| Credit loss provision to net charge-offs | -300.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9524% | 4,540 |
| Assets per employee ($millions) | 2.9241% | 5,862 |
| Cash dividends to net income (ytd only)* | 141.9753% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4278% | 784 |
| Loan loss allowance to noncurrent loans | 502.5000% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 4,843 |
| Noncurrent loans to loans | 0.4832% | 4,551 |
| Net loans and leases to total assets | 78.9291% | 802 |
| Net loans and leases to deposits | 93.6688% | 988 |
| Net loans and leases to core deposits | 99.1470% | 1,349 |
| Total domestic deposits to total assets | 84.2640% | 3,828 |
| Equity capital to assets | 13.2640% | 1,240 |
| Core capital (leverage) ratio | 13.3770% | 1,023 |
| Tier 1 risk-based capital ratio | 15.1634% | 3,549 |
| Total risk-based capital ratio | 16.4256% | 3,483 |
| Memoranda: | ||
| Average total assets | $20,248,670 | 6,548 |
| Average earning assets | $17,831,000 | 6,542 |
| Average equity | $2,710,670 | 6,445 |
| Average total loans | $16,663,670 | 6,212 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5936% | 257 |
| Cost of funding earning assets | 0.4234% | 3,721 |
| Net interest margin | 5.1702% | 193 |
| Noninterest income to average assets | 0.5760% | 2,879 |
| Noninterest expense to average assets | 3.4958% | 1,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6089% | 659 |
| Return on assets (ROA) | 1.6089% | 686 |
| Pretax return on assets | 1.6883% | 997 |
| Return on Equity (ROE) | 11.9623% | 1,417 |
| Retained earnings to average equity (ytd only) | -22.0048% | 6,549 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4330% | 4,286 |
| Assets per employee ($millions) | 2.9346% | 5,936 |
| Cash dividends to net income (ytd only)* | 283.9506% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3263% | 988 |
| Loan loss allowance to noncurrent loans | 303.1746% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.6134% | 4,296 |
| Noncurrent loans to loans | 0.7673% | 3,941 |
| Net loans and leases to total assets | 78.0791% | 767 |
| Net loans and leases to deposits | 92.1676% | 940 |
| Net loans and leases to core deposits | 97.5074% | 1,274 |
| Total domestic deposits to total assets | 84.7142% | 3,993 |
| Equity capital to assets | 12.8225% | 1,392 |
| Core capital (leverage) ratio | 12.8915% | 1,209 |
| Tier 1 risk-based capital ratio | 14.7406% | 3,861 |
| Total risk-based capital ratio | 15.9998% | 3,802 |
| Memoranda: | ||
| Average total assets | $20,138,500 | 6,621 |
| Average earning assets | $17,949,000 | 6,607 |
| Average equity | $2,708,500 | 6,503 |
| Average total loans | $16,716,500 | 6,273 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8507% | 214 |
| Cost of funding earning assets | 0.4685% | 3,930 |
| Net interest margin | 5.3822% | 163 |
| Noninterest income to average assets | 0.4278% | 4,247 |
| Noninterest expense to average assets | 3.1258% | 2,654 |
| Loan and lease loss provision to assets | 0.1007% | 3,124 |
| Net operating income to assets | 1.8372% | 451 |
| Return on assets (ROA) | 1.8372% | 459 |
| Pretax return on assets | 1.9429% | 550 |
| Return on Equity (ROE) | 13.3572% | 1,099 |
| Retained earnings to average equity (ytd only) | 3.6595% | 3,621 |
| Net charge-offs to loans | 0.0372% | 4,708 |
| Credit loss provision to net charge-offs | 333.3333% | 683 |
| Earnings coverage of net charge-offs (x) | 67.6667% | 625 |
| Efficiency ratio | 60.4674% | 5,412 |
| Assets per employee ($millions) | 2.8193% | 6,082 |
| Cash dividends to net income (ytd only)* | 72.6027% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2455% | 1,119 |
| Loan loss allowance to noncurrent loans | 410.7527% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.4712% | 4,826 |
| Noncurrent loans to loans | 0.5467% | 4,623 |
| Net loans and leases to total assets | 84.2665% | 239 |
| Net loans and leases to deposits | 107.6654% | 213 |
| Net loans and leases to core deposits | 114.7450% | 449 |
| Total domestic deposits to total assets | 78.2670% | 5,786 |
| Equity capital to assets | 14.1018% | 877 |
| Core capital (leverage) ratio | 14.1564% | 787 |
| Tier 1 risk-based capital ratio | 15.1398% | 3,584 |
| Total risk-based capital ratio | 16.4019% | 3,523 |
| Memoranda: | ||
| Average total assets | $19,867,000 | 6,701 |
| Average earning assets | $17,502,200 | 6,695 |
| Average equity | $2,732,600 | 6,584 |
| Average total loans | $16,111,000 | 6,368 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8730% | 215 |
| Cost of funding earning assets | 0.4778% | 3,987 |
| Net interest margin | 5.3952% | 160 |
| Noninterest income to average assets | 0.4087% | 4,467 |
| Noninterest expense to average assets | 3.0619% | 2,784 |
| Loan and lease loss provision to assets | 0.1340% | 2,603 |
| Net operating income to assets | 1.7956% | 529 |
| Return on assets (ROA) | 1.7956% | 551 |
| Pretax return on assets | 1.9028% | 704 |
| Return on Equity (ROE) | 13.1368% | 1,210 |
| Retained earnings to average equity (ytd only) | 0.1471% | 5,891 |
| Net charge-offs to loans | 0.0420% | 4,310 |
| Credit loss provision to net charge-offs | 400.0000% | 664 |
| Earnings coverage of net charge-offs (x) | 60.7676% | 749 |
| Efficiency ratio | 60.0526% | 5,429 |
| Assets per employee ($millions) | 2.7860% | 6,178 |
| Cash dividends to net income (ytd only)* | 98.8806% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3078% | 1,173 |
| Loan loss allowance to noncurrent loans | 166.5217% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 1.1794% | 3,298 |
| Noncurrent loans to loans | 1.3859% | 3,097 |
| Net loans and leases to total assets | 83.1351% | 286 |
| Net loans and leases to deposits | 102.5750% | 349 |
| Net loans and leases to core deposits | 109.1564% | 613 |
| Total domestic deposits to total assets | 81.0481% | 5,203 |
| Equity capital to assets | 13.7729% | 1,031 |
| Core capital (leverage) ratio | 13.3945% | 1,066 |
| Tier 1 risk-based capital ratio | 14.8661% | 3,838 |
| Total risk-based capital ratio | 16.1280% | 3,785 |
| Memoranda: | ||
| Average total assets | $19,900,000 | 6,776 |
| Average earning assets | $17,299,000 | 6,774 |
| Average equity | $2,720,000 | 6,661 |
| Average total loans | $15,885,750 | 6,444 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8619% | 219 |
| Cost of funding earning assets | 0.5031% | 3,869 |
| Net interest margin | 5.3588% | 166 |
| Noninterest income to average assets | 0.3894% | 4,599 |
| Noninterest expense to average assets | 3.1249% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7372% | 589 |
| Return on assets (ROA) | 1.7372% | 638 |
| Pretax return on assets | 1.8370% | 851 |
| Return on Equity (ROE) | 12.7410% | 1,305 |
| Retained earnings to average equity (ytd only) | 4.3202% | 3,530 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9779% | 5,023 |
| Assets per employee ($millions) | 2.8741% | 6,065 |
| Cash dividends to net income (ytd only)* | 66.0920% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3368% | 1,201 |
| Loan loss allowance to noncurrent loans | 387.3684% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4722% | 5,091 |
| Noncurrent loans to loans | 0.6033% | 4,749 |
| Net loans and leases to total assets | 76.4452% | 932 |
| Net loans and leases to deposits | 93.9753% | 815 |
| Net loans and leases to core deposits | 99.7729% | 1,093 |
| Total domestic deposits to total assets | 81.3460% | 5,247 |
| Equity capital to assets | 13.6289% | 1,076 |
| Core capital (leverage) ratio | 13.4287% | 1,008 |
| Tier 1 risk-based capital ratio | 15.7315% | 3,342 |
| Total risk-based capital ratio | 16.9937% | 3,287 |
| Memoranda: | ||
| Average total assets | $20,032,670 | 6,823 |
| Average earning assets | $17,093,330 | 6,824 |
| Average equity | $2,731,330 | 6,708 |
| Average total loans | $15,649,000 | 6,490 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7588% | 250 |
| Cost of funding earning assets | 0.5150% | 3,929 |
| Net interest margin | 5.2438% | 183 |
| Noninterest income to average assets | 0.3602% | 4,786 |
| Noninterest expense to average assets | 3.0216% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7209% | 559 |
| Return on assets (ROA) | 1.7209% | 619 |
| Pretax return on assets | 1.8210% | 850 |
| Return on Equity (ROE) | 12.6192% | 1,261 |
| Retained earnings to average equity (ytd only) | 12.6192% | 608 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3967% | 5,254 |
| Assets per employee ($millions) | 2.9676% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3262% | 1,366 |
| Loan loss allowance to noncurrent loans | 328.5714% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.5392% | 5,048 |
| Noncurrent loans to loans | 0.7080% | 4,711 |
| Net loans and leases to total assets | 74.3850% | 1,027 |
| Net loans and leases to deposits | 90.9262% | 893 |
| Net loans and leases to core deposits | 98.4016% | 1,051 |
| Total domestic deposits to total assets | 81.8081% | 5,264 |
| Equity capital to assets | 13.3298% | 1,282 |
| Core capital (leverage) ratio | 13.7113% | 868 |
| Tier 1 risk-based capital ratio | 15.7625% | 3,393 |
| Total risk-based capital ratio | 17.0205% | 3,347 |
| Memoranda: | ||
| Average total assets | $19,989,500 | 6,899 |
| Average earning assets | $17,087,000 | 6,898 |
| Average equity | $2,726,000 | 6,778 |
| Average total loans | $15,599,500 | 6,551 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4189% | 140 |
| Cost of funding earning assets | 0.6757% | 3,682 |
| Net interest margin | 5.7432% | 120 |
| Noninterest income to average assets | 0.4738% | 4,073 |
| Noninterest expense to average assets | 3.2529% | 2,468 |
| Loan and lease loss provision to assets | 0.0266% | 5,561 |
| Net operating income to assets | 2.0018% | 356 |
| Return on assets (ROA) | 2.0018% | 389 |
| Pretax return on assets | 2.0816% | 509 |
| Return on Equity (ROE) | 13.9829% | 994 |
| Retained earnings to average equity (ytd only) | 3.9420% | 3,429 |
| Net charge-offs to loans | 0.0266% | 5,528 |
| Credit loss provision to net charge-offs | 125.0000% | 2,264 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 384 |
| Efficiency ratio | 60.6753% | 5,430 |
| Assets per employee ($millions) | 2.7437% | 6,374 |
| Cash dividends to net income (ytd only)* | 71.8085% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3929% | 1,242 |
| Loan loss allowance to noncurrent loans | 347.1698% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5519% | 5,099 |
| Noncurrent loans to loans | 0.6893% | 4,816 |
| Net loans and leases to total assets | 78.1579% | 654 |
| Net loans and leases to deposits | 100.0067% | 412 |
| Net loans and leases to core deposits | 109.4016% | 556 |
| Total domestic deposits to total assets | 78.1527% | 6,056 |
| Equity capital to assets | 13.9696% | 1,058 |
| Core capital (leverage) ratio | 13.3669% | 996 |
| Tier 1 risk-based capital ratio | 15.7038% | 3,315 |
| Total risk-based capital ratio | 16.9622% | 3,271 |
| Memoranda: | ||
| Average total assets | $18,783,200 | 6,977 |
| Average earning assets | $15,984,000 | 6,979 |
| Average equity | $2,689,000 | 6,847 |
| Average total loans | $15,024,600 | 6,657 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5974% | 127 |
| Cost of funding earning assets | 0.7114% | 3,668 |
| Net interest margin | 5.8860% | 101 |
| Noninterest income to average assets | 0.4997% | 3,933 |
| Noninterest expense to average assets | 3.2837% | 2,316 |
| Loan and lease loss provision to assets | 0.0357% | 5,325 |
| Net operating income to assets | 2.0345% | 370 |
| Return on assets (ROA) | 2.0345% | 409 |
| Pretax return on assets | 2.1416% | 534 |
| Return on Equity (ROE) | 14.1234% | 1,084 |
| Retained earnings to average equity (ytd only) | 7.4336% | 1,877 |
| Net charge-offs to loans | -0.0089% | 6,349 |
| Credit loss provision to net charge-offs | -500.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1307% | 5,474 |
| Assets per employee ($millions) | 2.7653% | 6,400 |
| Cash dividends to net income (ytd only)* | 47.3697% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5933% | 1,087 |
| Loan loss allowance to noncurrent loans | 380.6122% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 5,406 |
| Noncurrent loans to loans | 0.6814% | 5,082 |
| Net loans and leases to total assets | 72.3769% | 1,488 |
| Net loans and leases to deposits | 92.6832% | 905 |
| Net loans and leases to core deposits | 105.1249% | 795 |
| Total domestic deposits to total assets | 78.0906% | 6,056 |
| Equity capital to assets | 14.0879% | 1,126 |
| Core capital (leverage) ratio | 14.0033% | 831 |
| Tier 1 risk-based capital ratio | 16.7178% | 2,889 |
| Total risk-based capital ratio | 17.9806% | 2,842 |
| Memoranda: | ||
| Average total assets | $18,677,500 | 7,072 |
| Average earning assets | $15,743,250 | 7,077 |
| Average equity | $2,690,500 | 6,934 |
| Average total loans | $14,936,000 | 6,749 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7102% | 107 |
| Cost of funding earning assets | 0.7203% | 3,844 |
| Net interest margin | 5.9899% | 89 |
| Noninterest income to average assets | 0.4878% | 4,004 |
| Noninterest expense to average assets | 3.2844% | 2,349 |
| Loan and lease loss provision to assets | 0.0542% | 4,982 |
| Net operating income to assets | 2.1571% | 303 |
| Return on assets (ROA) | 2.1571% | 341 |
| Pretax return on assets | 2.2871% | 424 |
| Return on Equity (ROE) | 14.8600% | 959 |
| Retained earnings to average equity (ytd only) | 14.8600% | 289 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3815% | 5,817 |
| Assets per employee ($millions) | 2.6533% | 6,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5287% | 1,247 |
| Loan loss allowance to noncurrent loans | 310.0000% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6461% | 5,165 |
| Noncurrent loans to loans | 0.8157% | 4,882 |
| Net loans and leases to total assets | 77.2035% | 813 |
| Net loans and leases to deposits | 100.4202% | 405 |
| Net loans and leases to core deposits | 105.8698% | 751 |
| Total domestic deposits to total assets | 76.8804% | 6,342 |
| Equity capital to assets | 14.9464% | 802 |
| Core capital (leverage) ratio | 14.6902% | 657 |
| Tier 1 risk-based capital ratio | 16.9537% | 2,687 |
| Total risk-based capital ratio | 18.2179% | 2,644 |
| Memoranda: | ||
| Average total assets | $18,451,000 | 7,133 |
| Average earning assets | $15,826,670 | 7,135 |
| Average equity | $2,678,330 | 6,973 |
| Average total loans | $15,120,330 | 6,794 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8253% | 107 |
| Cost of funding earning assets | 0.7473% | 3,884 |
| Net interest margin | 6.0780% | 95 |
| Noninterest income to average assets | 0.4785% | 4,078 |
| Noninterest expense to average assets | 3.2191% | 2,536 |
| Loan and lease loss provision to assets | 0.1088% | 3,994 |
| Net operating income to assets | 2.2838% | 244 |
| Return on assets (ROA) | 2.2838% | 296 |
| Pretax return on assets | 2.4579% | 354 |
| Return on Equity (ROE) | 15.9726% | 808 |
| Retained earnings to average equity (ytd only) | 15.9726% | 369 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6391% | 6,162 |
| Assets per employee ($millions) | 2.6913% | 6,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4230% | 1,467 |
| Loan loss allowance to noncurrent loans | 238.4615% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8281% | 4,879 |
| Noncurrent loans to loans | 1.0161% | 4,646 |
| Net loans and leases to total assets | 79.5212% | 456 |
| Net loans and leases to deposits | 102.3222% | 297 |
| Net loans and leases to core deposits | 107.7305% | 621 |
| Total domestic deposits to total assets | 77.7164% | 6,307 |
| Equity capital to assets | 14.2364% | 940 |
| Core capital (leverage) ratio | 14.3262% | 725 |
| Tier 1 risk-based capital ratio | 15.7858% | 3,292 |
| Total risk-based capital ratio | 17.0453% | 3,258 |
| Memoranda: | ||
| Average total assets | $18,390,000 | 7,197 |
| Average earning assets | $16,058,000 | 7,191 |
| Average equity | $2,629,500 | 7,033 |
| Average total loans | $15,325,000 | 6,832 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7454% | 137 |
| Cost of funding earning assets | 0.8959% | 4,149 |
| Net interest margin | 5.8495% | 110 |
| Noninterest income to average assets | 0.6176% | 3,074 |
| Noninterest expense to average assets | 3.3072% | 2,500 |
| Loan and lease loss provision to assets | 0.0058% | 6,449 |
| Net operating income to assets | 2.3376% | 173 |
| Return on assets (ROA) | 2.3376% | 182 |
| Pretax return on assets | 2.4299% | 238 |
| Return on Equity (ROE) | 15.7846% | 632 |
| Retained earnings to average equity (ytd only) | 0.9744% | 5,402 |
| Net charge-offs to loans | -0.1046% | 7,144 |
| Credit loss provision to net charge-offs | -6.6667% | 6,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5879% | 6,104 |
| Assets per employee ($millions) | 2.5630% | 6,770 |
| Cash dividends to net income (ytd only)* | 93.8272% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3992% | 1,462 |
| Loan loss allowance to noncurrent loans | 403.2967% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 5,698 |
| Noncurrent loans to loans | 0.5949% | 5,524 |
| Net loans and leases to total assets | 83.2172% | 257 |
| Net loans and leases to deposits | 115.3519% | 110 |
| Net loans and leases to core deposits | 122.2768% | 316 |
| Total domestic deposits to total assets | 72.1420% | 6,866 |
| Equity capital to assets | 14.3637% | 946 |
| Core capital (leverage) ratio | 14.7156% | 662 |
| Tier 1 risk-based capital ratio | 15.3302% | 3,433 |
| Total risk-based capital ratio | 16.5913% | 3,376 |
| Memoranda: | ||
| Average total assets | $17,325,600 | 7,256 |
| Average earning assets | $15,180,800 | 7,249 |
| Average equity | $2,565,800 | 7,107 |
| Average total loans | $14,335,200 | 6,933 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8523% | 123 |
| Cost of funding earning assets | 0.9445% | 4,081 |
| Net interest margin | 5.9078% | 104 |
| Noninterest income to average assets | 0.6211% | 3,047 |
| Noninterest expense to average assets | 3.3698% | 2,281 |
| Loan and lease loss provision to assets | 0.0077% | 6,331 |
| Net operating income to assets | 2.3061% | 208 |
| Return on assets (ROA) | 2.3061% | 226 |
| Pretax return on assets | 2.3915% | 304 |
| Return on Equity (ROE) | 15.4503% | 755 |
| Retained earnings to average equity (ytd only) | 4.5259% | 3,498 |
| Net charge-offs to loans | -0.2932% | 7,303 |
| Credit loss provision to net charge-offs | -3.2258% | 6,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4118% | 5,949 |
| Assets per employee ($millions) | 2.4130% | 6,975 |
| Cash dividends to net income (ytd only)* | 70.7063% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5885% | 1,281 |
| Loan loss allowance to noncurrent loans | 4,787.5000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 6,928 |
| Noncurrent loans to loans | 0.0541% | 6,799 |
| Net loans and leases to total assets | 85.3295% | 149 |
| Net loans and leases to deposits | 113.2118% | 143 |
| Net loans and leases to core deposits | 116.8843% | 474 |
| Total domestic deposits to total assets | 75.3715% | 6,597 |
| Equity capital to assets | 15.6178% | 700 |
| Core capital (leverage) ratio | 15.5149% | 571 |
| Tier 1 risk-based capital ratio | 16.2799% | 2,978 |
| Total risk-based capital ratio | 17.5451% | 2,935 |
| Memoranda: | ||
| Average total assets | $17,171,750 | 7,330 |
| Average earning assets | $14,963,000 | 7,328 |
| Average equity | $2,563,000 | 7,173 |
| Average total loans | $14,094,750 | 7,014 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8023% | 139 |
| Cost of funding earning assets | 0.9892% | 4,019 |
| Net interest margin | 5.8131% | 107 |
| Noninterest income to average assets | 0.6024% | 3,122 |
| Noninterest expense to average assets | 3.4057% | 2,239 |
| Loan and lease loss provision to assets | 0.0116% | 6,129 |
| Net operating income to assets | 2.0735% | 309 |
| Return on assets (ROA) | 2.0735% | 318 |
| Pretax return on assets | 2.1546% | 442 |
| Return on Equity (ROE) | 14.1056% | 959 |
| Retained earnings to average equity (ytd only) | 2.2853% | 4,835 |
| Net charge-offs to loans | -0.4473% | 7,390 |
| Credit loss provision to net charge-offs | -3.2258% | 6,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1227% | 5,710 |
| Assets per employee ($millions) | 2.4411% | 6,980 |
| Cash dividends to net income (ytd only)* | 83.7989% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7088% | 1,172 |
| Loan loss allowance to noncurrent loans | 324.5763% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.6905% | 5,525 |
| Noncurrent loans to loans | 0.8346% | 5,259 |
| Net loans and leases to total assets | 80.5009% | 493 |
| Net loans and leases to deposits | 105.9866% | 265 |
| Net loans and leases to core deposits | 112.3030% | 637 |
| Total domestic deposits to total assets | 75.9539% | 6,605 |
| Equity capital to assets | 15.1042% | 797 |
| Core capital (leverage) ratio | 14.5655% | 752 |
| Tier 1 risk-based capital ratio | 16.4867% | 2,746 |
| Total risk-based capital ratio | 17.7515% | 2,702 |
| Memoranda: | ||
| Average total assets | $17,265,330 | 7,400 |
| Average earning assets | $14,759,670 | 7,401 |
| Average equity | $2,538,000 | 7,240 |
| Average total loans | $13,861,000 | 7,096 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7110% | 161 |
| Cost of funding earning assets | 1.0639% | 3,757 |
| Net interest margin | 5.6471% | 130 |
| Noninterest income to average assets | 0.5993% | 3,167 |
| Noninterest expense to average assets | 3.4574% | 2,124 |
| Loan and lease loss provision to assets | 0.0230% | 5,671 |
| Net operating income to assets | 1.8209% | 472 |
| Return on assets (ROA) | 1.8209% | 498 |
| Pretax return on assets | 1.8901% | 695 |
| Return on Equity (ROE) | 12.5571% | 1,312 |
| Retained earnings to average equity (ytd only) | -11.2855% | 6,916 |
| Net charge-offs to loans | -0.0292% | 6,704 |
| Credit loss provision to net charge-offs | -100.0000% | 5,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3777% | 5,300 |
| Assets per employee ($millions) | 2.4223% | 7,082 |
| Cash dividends to net income (ytd only)* | 189.8734% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5671% | 1,358 |
| Loan loss allowance to noncurrent loans | 79.3258% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 2.8603% | 2,410 |
| Noncurrent loans to loans | 3.2361% | 2,324 |
| Net loans and leases to total assets | 79.0163% | 619 |
| Net loans and leases to deposits | 103.4834% | 327 |
| Net loans and leases to core deposits | 109.6669% | 744 |
| Total domestic deposits to total assets | 76.3565% | 6,619 |
| Equity capital to assets | 14.6320% | 845 |
| Core capital (leverage) ratio | 14.2080% | 801 |
| Tier 1 risk-based capital ratio | 16.1639% | 2,830 |
| Total risk-based capital ratio | 17.4278% | 2,785 |
| Memoranda: | ||
| Average total assets | $17,354,000 | 7,458 |
| Average earning assets | $14,662,500 | 7,461 |
| Average equity | $2,516,500 | 7,290 |
| Average total loans | $13,722,000 | 7,157 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6073% | 276 |
| Cost of funding earning assets | 1.4668% | 2,839 |
| Net interest margin | 5.1405% | 327 |
| Noninterest income to average assets | 0.5273% | 3,976 |
| Noninterest expense to average assets | 3.3552% | 2,566 |
| Loan and lease loss provision to assets | 0.4114% | 3,638 |
| Net operating income to assets | 1.1010% | 1,701 |
| Return on assets (ROA) | 1.1010% | 1,776 |
| Pretax return on assets | 1.1474% | 2,406 |
| Return on Equity (ROE) | 7.5529% | 2,871 |
| Retained earnings to average equity (ytd only) | -5.3665% | 6,338 |
| Net charge-offs to loans | 0.9174% | 2,345 |
| Credit loss provision to net charge-offs | 58.6777% | 6,104 |
| Earnings coverage of net charge-offs (x) | 2.2231% | 4,055 |
| Efficiency ratio | 68.2783% | 4,505 |
| Assets per employee ($millions) | 2.5360% | 6,952 |
| Cash dividends to net income (ytd only)* | 171.0526% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5634% | 1,329 |
| Loan loss allowance to noncurrent loans | 80.1370% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 2.6927% | 2,591 |
| Noncurrent loans to loans | 3.1987% | 2,377 |
| Net loans and leases to total assets | 75.1577% | 1,439 |
| Net loans and leases to deposits | 101.3753% | 514 |
| Net loans and leases to core deposits | 107.2853% | 1,102 |
| Total domestic deposits to total assets | 74.1381% | 6,874 |
| Equity capital to assets | 14.3758% | 935 |
| Core capital (leverage) ratio | 14.2985% | 788 |
| Tier 1 risk-based capital ratio | 16.4592% | 2,539 |
| Total risk-based capital ratio | 17.7233% | 2,504 |
| Memoranda: | ||
| Average total assets | $17,256,800 | 7,527 |
| Average earning assets | $14,726,200 | 7,532 |
| Average equity | $2,515,600 | 7,393 |
| Average total loans | $13,189,000 | 7,243 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5118% | 331 |
| Cost of funding earning assets | 1.5375% | 2,736 |
| Net interest margin | 4.9743% | 463 |
| Noninterest income to average assets | 0.4980% | 4,207 |
| Noninterest expense to average assets | 3.2840% | 2,618 |
| Loan and lease loss provision to assets | 0.4436% | 3,254 |
| Net operating income to assets | 1.0117% | 2,195 |
| Return on assets (ROA) | 1.0117% | 2,316 |
| Pretax return on assets | 1.0506% | 2,995 |
| Return on Equity (ROE) | 6.9152% | 3,385 |
| Retained earnings to average equity (ytd only) | -10.3726% | 6,899 |
| Net charge-offs to loans | 0.8268% | 2,384 |
| Credit loss provision to net charge-offs | 70.3704% | 5,410 |
| Earnings coverage of net charge-offs (x) | 2.3703% | 3,990 |
| Efficiency ratio | 68.7296% | 4,327 |
| Assets per employee ($millions) | 2.4446% | 7,141 |
| Cash dividends to net income (ytd only)* | 249.9971% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6495% | 1,143 |
| Loan loss allowance to noncurrent loans | 156.4315% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 1.4084% | 4,340 |
| Noncurrent loans to loans | 1.6937% | 4,097 |
| Net loans and leases to total assets | 80.9490% | 626 |
| Net loans and leases to deposits | 110.1551% | 250 |
| Net loans and leases to core deposits | 116.8945% | 720 |
| Total domestic deposits to total assets | 73.4864% | 6,992 |
| Equity capital to assets | 14.5629% | 1,004 |
| Core capital (leverage) ratio | 14.6528% | 784 |
| Tier 1 risk-based capital ratio | 15.7572% | 2,877 |
| Total risk-based capital ratio | 17.0218% | 2,827 |
| Memoranda: | ||
| Average total assets | $17,133,000 | 7,624 |
| Average earning assets | $14,742,250 | 7,625 |
| Average equity | $2,506,500 | 7,491 |
| Average total loans | $13,063,000 | 7,344 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3526% | 456 |
| Cost of funding earning assets | 1.5916% | 2,707 |
| Net interest margin | 4.7610% | 707 |
| Noninterest income to average assets | 0.4667% | 4,385 |
| Noninterest expense to average assets | 3.3956% | 2,271 |
| Loan and lease loss provision to assets | 0.2684% | 4,242 |
| Net operating income to assets | 0.8168% | 2,894 |
| Return on assets (ROA) | 0.8168% | 3,042 |
| Pretax return on assets | 0.8518% | 3,696 |
| Return on Equity (ROE) | 5.5747% | 4,011 |
| Retained earnings to average equity (ytd only) | -20.3080% | 7,261 |
| Net charge-offs to loans | 0.0631% | 5,509 |
| Credit loss provision to net charge-offs | 575.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,091 |
| Efficiency ratio | 75.1938% | 3,225 |
| Assets per employee ($millions) | 2.4279% | 7,194 |
| Cash dividends to net income (ytd only)* | 464.2857% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2820% | 653 |
| Loan loss allowance to noncurrent loans | 128.0488% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 1.9300% | 3,580 |
| Noncurrent loans to loans | 2.5631% | 3,085 |
| Net loans and leases to total assets | 72.8273% | 2,205 |
| Net loans and leases to deposits | 98.8894% | 809 |
| Net loans and leases to core deposits | 104.9343% | 1,544 |
| Total domestic deposits to total assets | 73.6452% | 7,021 |
| Equity capital to assets | 14.3101% | 1,063 |
| Core capital (leverage) ratio | 14.1502% | 893 |
| Tier 1 risk-based capital ratio | 16.6268% | 2,431 |
| Total risk-based capital ratio | 17.8984% | 2,372 |
| Memoranda: | ||
| Average total assets | $17,140,000 | 7,689 |
| Average earning assets | $14,576,670 | 7,695 |
| Average equity | $2,511,330 | 7,547 |
| Average total loans | $12,674,330 | 7,415 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7395% | 247 |
| Cost of funding earning assets | 1.5779% | 3,091 |
| Net interest margin | 5.1616% | 317 |
| Noninterest income to average assets | 0.4415% | 4,547 |
| Noninterest expense to average assets | 3.6485% | 1,620 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2317% | 1,459 |
| Return on assets (ROA) | 1.2317% | 1,534 |
| Pretax return on assets | 1.2781% | 2,110 |
| Return on Equity (ROE) | 8.3105% | 2,734 |
| Retained earnings to average equity (ytd only) | -42.6499% | 7,647 |
| Net charge-offs to loans | 0.0951% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 18.3333% | 1,237 |
| Efficiency ratio | 74.0566% | 3,570 |
| Assets per employee ($millions) | 2.3921% | 7,347 |
| Cash dividends to net income (ytd only)* | 613.2075% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3054% | 630 |
| Loan loss allowance to noncurrent loans | 423.4043% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 6,103 |
| Noncurrent loans to loans | 0.7807% | 5,766 |
| Net loans and leases to total assets | 69.5312% | 3,048 |
| Net loans and leases to deposits | 94.7510% | 1,262 |
| Net loans and leases to core deposits | 100.6570% | 2,066 |
| Total domestic deposits to total assets | 73.3831% | 7,126 |
| Equity capital to assets | 14.4222% | 1,029 |
| Core capital (leverage) ratio | 13.8793% | 985 |
| Tier 1 risk-based capital ratio | 17.4633% | 2,088 |
| Total risk-based capital ratio | 18.7360% | 2,051 |
| Memoranda: | ||
| Average total assets | $17,212,500 | 7,789 |
| Average earning assets | $14,956,500 | 7,785 |
| Average equity | $2,551,000 | 7,616 |
| Average total loans | $12,613,000 | 7,518 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1038% | 239 |
| Cost of funding earning assets | 1.6632% | 4,711 |
| Net interest margin | 5.4406% | 199 |
| Noninterest income to average assets | 0.5605% | 3,939 |
| Noninterest expense to average assets | 3.2292% | 3,278 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 2.1873% | 152 |
| Return on assets (ROA) | 2.1873% | 164 |
| Pretax return on assets | 2.2544% | 247 |
| Return on Equity (ROE) | 13.6585% | 840 |
| Retained earnings to average equity (ytd only) | 2.2447% | 3,546 |
| Net charge-offs to loans | 0.1727% | 5,568 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 16.0870% | 1,271 |
| Efficiency ratio | 58.8889% | 6,634 |
| Assets per employee ($millions) | 2.5257% | 7,160 |
| Cash dividends to net income (ytd only)* | 83.5655% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0413% | 745 |
| Loan loss allowance to noncurrent loans | 3,341.6667% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 7,328 |
| Noncurrent loans to loans | 0.0910% | 7,184 |
| Net loans and leases to total assets | 72.3077% | 2,679 |
| Net loans and leases to deposits | 107.0328% | 501 |
| Net loans and leases to core deposits | 159.2030% | 350 |
| Total domestic deposits to total assets | 67.5566% | 7,576 |
| Equity capital to assets | 15.1980% | 869 |
| Core capital (leverage) ratio | 15.0246% | 786 |
| Tier 1 risk-based capital ratio | 17.7700% | 1,952 |
| Total risk-based capital ratio | 19.0397% | 1,902 |
| Memoranda: | ||
| Average total assets | $16,412,600 | 7,868 |
| Average earning assets | $14,851,200 | 7,848 |
| Average equity | $2,628,400 | 7,695 |
| Average total loans | $13,320,800 | 7,531 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2718% | 201 |
| Cost of funding earning assets | 1.7379% | 4,707 |
| Net interest margin | 5.5339% | 173 |
| Noninterest income to average assets | 0.5881% | 3,794 |
| Noninterest expense to average assets | 3.1643% | 3,423 |
| Loan and lease loss provision to assets | -0.0497% | 8,055 |
| Net operating income to assets | 2.4188% | 118 |
| Return on assets (ROA) | 2.4188% | 131 |
| Pretax return on assets | 2.4851% | 198 |
| Return on Equity (ROE) | 14.8951% | 785 |
| Retained earnings to average equity (ytd only) | -0.4082% | 5,319 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5089% | 6,937 |
| Assets per employee ($millions) | 2.3847% | 7,396 |
| Cash dividends to net income (ytd only)* | 102.7407% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0277% | 654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 80.2013% | 1,132 |
| Net loans and leases to deposits | 121.3671% | 181 |
| Net loans and leases to core deposits | 173.3299% | 240 |
| Total domestic deposits to total assets | 66.0816% | 7,682 |
| Equity capital to assets | 15.6952% | 852 |
| Core capital (leverage) ratio | 15.8644% | 699 |
| Tier 1 risk-based capital ratio | 16.4109% | 2,469 |
| Total risk-based capital ratio | 17.6762% | 2,400 |
| Memoranda: | ||
| Average total assets | $16,095,750 | 7,955 |
| Average earning assets | $14,576,500 | 7,937 |
| Average equity | $2,613,750 | 7,778 |
| Average total loans | $13,354,750 | 7,603 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1343% | 258 |
| Cost of funding earning assets | 1.7144% | 5,203 |
| Net interest margin | 5.4199% | 204 |
| Noninterest income to average assets | 0.6039% | 3,659 |
| Noninterest expense to average assets | 3.0698% | 3,814 |
| Loan and lease loss provision to assets | -0.0755% | 8,158 |
| Net operating income to assets | 2.4911% | 112 |
| Return on assets (ROA) | 2.4911% | 125 |
| Pretax return on assets | 2.5414% | 197 |
| Return on Equity (ROE) | 15.1627% | 804 |
| Retained earnings to average equity (ytd only) | 1.7613% | 4,361 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4545% | 7,172 |
| Assets per employee ($millions) | 2.2567% | 7,613 |
| Cash dividends to net income (ytd only)* | 88.3838% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1229% | 508 |
| Loan loss allowance to noncurrent loans | 20,900.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 7,606 |
| Noncurrent loans to loans | 0.0149% | 7,518 |
| Net loans and leases to total assets | 82.0852% | 940 |
| Net loans and leases to deposits | 116.8619% | 304 |
| Net loans and leases to core deposits | 172.6861% | 290 |
| Total domestic deposits to total assets | 70.2412% | 7,446 |
| Equity capital to assets | 16.7817% | 695 |
| Core capital (leverage) ratio | 16.6740% | 656 |
| Tier 1 risk-based capital ratio | 17.9413% | 2,038 |
| Total risk-based capital ratio | 19.2136% | 1,968 |
| Memoranda: | ||
| Average total assets | $15,896,670 | 8,043 |
| Average earning assets | $14,465,330 | 8,026 |
| Average equity | $2,611,670 | 7,851 |
| Average total loans | $13,204,330 | 7,690 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0725% | 299 |
| Cost of funding earning assets | 1.6919% | 5,627 |
| Net interest margin | 5.3807% | 208 |
| Noninterest income to average assets | 0.5769% | 3,711 |
| Noninterest expense to average assets | 2.8596% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.5836% | 114 |
| Return on assets (ROA) | 2.5836% | 139 |
| Pretax return on assets | 2.5836% | 221 |
| Return on Equity (ROE) | 15.8951% | 842 |
| Retained earnings to average equity (ytd only) | -11.1111% | 7,216 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5346% | 7,359 |
| Assets per employee ($millions) | 2.6612% | 6,957 |
| Cash dividends to net income (ytd only)* | 169.9029% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2676% | 387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 78.6121% | 1,665 |
| Net loans and leases to deposits | 110.4638% | 593 |
| Net loans and leases to core deposits | 161.2539% | 475 |
| Total domestic deposits to total assets | 71.1655% | 7,312 |
| Equity capital to assets | 16.0080% | 871 |
| Core capital (leverage) ratio | 15.9970% | 784 |
| Tier 1 risk-based capital ratio | 17.6507% | 2,140 |
| Total risk-based capital ratio | 18.9213% | 2,083 |
| Memoranda: | ||
| Average total assets | $15,946,500 | 8,088 |
| Average earning assets | $14,422,000 | 8,075 |
| Average equity | $2,592,000 | 7,910 |
| Average total loans | $13,114,000 | 7,740 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6180% | 331 |
| Cost of funding earning assets | 1.9720% | 6,503 |
| Net interest margin | 5.6460% | 164 |
| Noninterest income to average assets | 0.5897% | 3,920 |
| Noninterest expense to average assets | 3.6454% | 2,051 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8830% | 449 |
| Return on assets (ROA) | 1.8830% | 437 |
| Pretax return on assets | 1.9902% | 622 |
| Return on Equity (ROE) | 10.1885% | 2,190 |
| Retained earnings to average equity (ytd only) | -12.4728% | 7,284 |
| Net charge-offs to loans | 0.3803% | 2,930 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 6.1875% | 3,420 |
| Efficiency ratio | 64.6849% | 5,398 |
| Assets per employee ($millions) | 2.6543% | 6,879 |
| Cash dividends to net income (ytd only)* | 222.4199% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1995% | 368 |
| Loan loss allowance to noncurrent loans | 2,120.0000% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 7,075 |
| Noncurrent loans to loans | 0.1509% | 6,961 |
| Net loans and leases to total assets | 80.5475% | 1,538 |
| Net loans and leases to deposits | 112.0349% | 705 |
| Net loans and leases to core deposits | 148.3692% | 919 |
| Total domestic deposits to total assets | 71.8950% | 7,020 |
| Equity capital to assets | 16.5013% | 840 |
| Core capital (leverage) ratio | 16.3139% | 780 |
| Tier 1 risk-based capital ratio | 16.8267% | 2,370 |
| Total risk-based capital ratio | 18.0945% | 2,303 |
| Memoranda: | ||
| Average total assets | $14,922,800 | 8,165 |
| Average earning assets | $13,336,800 | 8,161 |
| Average equity | $2,758,000 | 7,912 |
| Average total loans | $12,621,600 | 7,794 |