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 | 4.5806% | 2,941 |
| Cost of funding earning assets | 1.2452% | 2,669 |
| Net interest margin | 3.3354% | 2,543 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.8262% | 1,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5559% | 3,550 |
| Return on assets (ROA) | 0.5559% | 3,537 |
| Pretax return on assets | 0.5766% | 3,676 |
| Return on Equity (ROE) | 7.5800% | 3,136 |
| Retained earnings to average equity (ytd only) | 1.4100% | 3,734 |
| Net charge-offs to loans | -0.0332% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 83.0547% | 717 |
| Assets per employee ($millions) | 7.7582% | 1,562 |
| Cash dividends to net income (ytd only)* | 81.3953% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8641% | 474 |
| Loan loss allowance to noncurrent loans | 239.8773% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 1,322 |
| Noncurrent loans to loans | 0.7771% | 1,001 |
| Net loans and leases to total assets | 53.0600% | 3,411 |
| Net loans and leases to deposits | 73.5143% | 2,653 |
| Net loans and leases to core deposits | 75.7182% | 2,995 |
| Total domestic deposits to total assets | 72.1800% | 4,218 |
| Equity capital to assets | 8.4839% | 3,067 |
| Core capital (leverage) ratio | 12.1549% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $38,673,600 | 4,403 |
| Average earning assets | $35,737,600 | 4,378 |
| Average equity | $2,836,800 | 4,438 |
| Average total loans | $21,108,600 | 4,279 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4581% | 2,993 |
| Cost of funding earning assets | 1.1566% | 2,575 |
| Net interest margin | 3.3015% | 2,683 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.8395% | 1,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5175% | 3,726 |
| Return on assets (ROA) | 0.5175% | 3,716 |
| Pretax return on assets | 0.5348% | 3,852 |
| Return on Equity (ROE) | 7.3400% | 3,343 |
| Retained earnings to average equity (ytd only) | 2.4480% | 3,639 |
| Net charge-offs to loans | -0.0315% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.1513% | 603 |
| Assets per employee ($millions) | 7.6606% | 1,536 |
| Cash dividends to net income (ytd only)* | 66.6667% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7979% | 568 |
| Loan loss allowance to noncurrent loans | 235.5422% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 1,344 |
| Noncurrent loans to loans | 0.7633% | 1,088 |
| Net loans and leases to total assets | 55.7600% | 3,224 |
| Net loans and leases to deposits | 73.6465% | 2,600 |
| Net loans and leases to core deposits | 75.7762% | 2,882 |
| Total domestic deposits to total assets | 75.7100% | 4,036 |
| Equity capital to assets | 6.4695% | 3,841 |
| Core capital (leverage) ratio | 12.0753% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $38,644,250 | 4,419 |
| Average earning assets | $35,619,750 | 4,398 |
| Average equity | $2,723,250 | 4,466 |
| Average total loans | $21,142,000 | 4,296 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 3,062 |
| Cost of funding earning assets | 1.0528% | 2,446 |
| Net interest margin | 3.2653% | 2,834 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.8448% | 1,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4595% | 3,893 |
| Return on assets (ROA) | 0.4595% | 3,897 |
| Pretax return on assets | 0.4801% | 3,999 |
| Return on Equity (ROE) | 6.3500% | 3,611 |
| Retained earnings to average equity (ytd only) | -0.7843% | 4,191 |
| Net charge-offs to loans | -0.0382% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.5590% | 514 |
| Assets per employee ($millions) | 5.3969% | 3,237 |
| Cash dividends to net income (ytd only)* | 112.3596% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9342% | 468 |
| Loan loss allowance to noncurrent loans | 488.0952% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 2,078 |
| Noncurrent loans to loans | 0.3963% | 1,745 |
| Net loans and leases to total assets | 55.0200% | 3,190 |
| Net loans and leases to deposits | 71.9771% | 2,650 |
| Net loans and leases to core deposits | 73.4004% | 2,931 |
| Total domestic deposits to total assets | 76.4500% | 4,009 |
| Equity capital to assets | 7.4197% | 3,570 |
| Core capital (leverage) ratio | 12.0454% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $38,738,000 | 4,443 |
| Average earning assets | $35,525,000 | 4,422 |
| Average equity | $2,805,000 | 4,488 |
| Average total loans | $20,940,333 | 4,318 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2105% | 3,015 |
| Cost of funding earning assets | 0.9006% | 2,372 |
| Net interest margin | 3.3099% | 2,854 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.8966% | 1,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3672% | 4,140 |
| Return on assets (ROA) | 0.3672% | 4,092 |
| Pretax return on assets | 0.3774% | 4,158 |
| Return on Equity (ROE) | 5.1300% | 3,873 |
| Retained earnings to average equity (ytd only) | -9.1233% | 4,458 |
| Net charge-offs to loans | -0.0384% | 4,296 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.4735% | 407 |
| Assets per employee ($millions) | 6.4023% | 2,405 |
| Cash dividends to net income (ytd only)* | 277.7778% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9976% | 442 |
| Loan loss allowance to noncurrent loans | 516.4557% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 1,746 |
| Noncurrent loans to loans | 0.3868% | 1,770 |
| Net loans and leases to total assets | 52.1100% | 3,339 |
| Net loans and leases to deposits | 64.9228% | 3,018 |
| Net loans and leases to core deposits | 66.1238% | 3,216 |
| Total domestic deposits to total assets | 80.2600% | 3,729 |
| Equity capital to assets | 7.6795% | 3,459 |
| Core capital (leverage) ratio | 11.7743% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $39,218,000 | 4,503 |
| Average earning assets | $35,530,000 | 4,489 |
| Average equity | $2,806,000 | 4,552 |
| Average total loans | $20,812,000 | 4,383 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3531% | 963 |
| Cost of funding earning assets | 0.5391% | 1,165 |
| Net interest margin | 3.8140% | 1,135 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.8403% | 1,241 |
| Loan and lease loss provision to assets | -0.3000% | 4,665 |
| Net operating income to assets | 1.2794% | 1,503 |
| Return on assets (ROA) | 1.2794% | 1,459 |
| Pretax return on assets | 1.3372% | 1,970 |
| Return on Equity (ROE) | 16.4300% | 974 |
| Retained earnings to average equity (ytd only) | 12.1015% | 649 |
| Net charge-offs to loans | -0.9113% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.2815% | 1,287 |
| Assets per employee ($millions) | 5.0028% | 3,676 |
| Cash dividends to net income (ytd only)* | 26.3261% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9152% | 516 |
| Loan loss allowance to noncurrent loans | 513.9241% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 1,805 |
| Noncurrent loans to loans | 0.3727% | 1,806 |
| Net loans and leases to total assets | 51.9500% | 3,361 |
| Net loans and leases to deposits | 68.4385% | 2,706 |
| Net loans and leases to core deposits | 69.7237% | 2,897 |
| Total domestic deposits to total assets | 75.9100% | 4,256 |
| Equity capital to assets | 6.6513% | 3,838 |
| Core capital (leverage) ratio | 12.0653% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $39,785,200 | 4,531 |
| Average earning assets | $36,916,200 | 4,509 |
| Average equity | $3,098,800 | 4,599 |
| Average total loans | $20,301,600 | 4,412 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 1,820 |
| Cost of funding earning assets | 0.4840% | 823 |
| Net interest margin | 3.2946% | 2,313 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.8260% | 1,198 |
| Loan and lease loss provision to assets | -0.2700% | 4,696 |
| Net operating income to assets | 0.8659% | 3,015 |
| Return on assets (ROA) | 0.8659% | 2,986 |
| Pretax return on assets | 0.8995% | 3,313 |
| Return on Equity (ROE) | 10.7200% | 2,495 |
| Retained earnings to average equity (ytd only) | 8.5617% | 1,805 |
| Net charge-offs to loans | -1.2156% | 4,762 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.7476% | 666 |
| Assets per employee ($millions) | 5.3647% | 3,359 |
| Cash dividends to net income (ytd only)* | 20.1550% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1748% | 362 |
| Loan loss allowance to noncurrent loans | 226.5306% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 888 |
| Noncurrent loans to loans | 0.9600% | 813 |
| Net loans and leases to total assets | 53.1800% | 3,167 |
| Net loans and leases to deposits | 63.7187% | 2,891 |
| Net loans and leases to core deposits | 64.8779% | 3,043 |
| Total domestic deposits to total assets | 83.4700% | 3,610 |
| Equity capital to assets | 6.1460% | 3,905 |
| Core capital (leverage) ratio | 11.5926% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $39,726,000 | 4,565 |
| Average earning assets | $37,191,750 | 4,538 |
| Average equity | $3,208,000 | 4,640 |
| Average total loans | $20,072,250 | 4,447 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6158% | 1,789 |
| Cost of funding earning assets | 0.4902% | 543 |
| Net interest margin | 3.1256% | 2,454 |
| Noninterest income to average assets | 0.4005% | 2,756 |
| Noninterest expense to average assets | 2.7293% | 1,316 |
| Loan and lease loss provision to assets | -0.1978% | 4,679 |
| Net operating income to assets | 0.7713% | 3,057 |
| Return on assets (ROA) | 0.7713% | 3,021 |
| Pretax return on assets | 0.8010% | 3,322 |
| Return on Equity (ROE) | 8.8940% | 2,731 |
| Retained earnings to average equity (ytd only) | 5.9293% | 2,355 |
| Net charge-offs to loans | -1.8138% | 4,729 |
| Credit loss provision to net charge-offs | 22.0994% | 1,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8991% | 806 |
| Assets per employee ($millions) | 5.3916% | 3,341 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4064% | 287 |
| Loan loss allowance to noncurrent loans | 137.7143% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 534 |
| Noncurrent loans to loans | 1.7474% | 387 |
| Net loans and leases to total assets | 51.7951% | 3,182 |
| Net loans and leases to deposits | 61.1104% | 2,965 |
| Net loans and leases to core deposits | 62.7061% | 3,061 |
| Total domestic deposits to total assets | 84.7566% | 3,537 |
| Equity capital to assets | 7.2468% | 3,631 |
| Core capital (leverage) ratio | 10.9028% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,450,333 | 4,607 |
| Average earning assets | $37,944,667 | 4,591 |
| Average equity | $3,508,000 | 4,652 |
| Average total loans | $19,957,667 | 4,504 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1983% | 2,693 |
| Cost of funding earning assets | 0.4685% | 586 |
| Net interest margin | 2.7297% | 3,341 |
| Noninterest income to average assets | 0.4784% | 2,251 |
| Noninterest expense to average assets | 2.7269% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2775% | 4,184 |
| Return on assets (ROA) | 0.2775% | 4,153 |
| Pretax return on assets | 0.3158% | 4,166 |
| Return on Equity (ROE) | 2.9786% | 4,093 |
| Retained earnings to average equity (ytd only) | 2.9786% | 3,271 |
| Net charge-offs to loans | -0.1606% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6226% | 566 |
| Assets per employee ($millions) | 5.8754% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 959 |
| Loan loss allowance to noncurrent loans | 27.3800% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 3.1584% | 59 |
| Noncurrent loans to loans | 6.4027% | 40 |
| Net loans and leases to total assets | 47.4202% | 3,446 |
| Net loans and leases to deposits | 57.4513% | 3,127 |
| Net loans and leases to core deposits | 58.8628% | 3,248 |
| Total domestic deposits to total assets | 82.5399% | 4,012 |
| Equity capital to assets | 8.3933% | 3,245 |
| Core capital (leverage) ratio | 10.0473% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,805,000 | 4,617 |
| Average earning assets | $39,271,000 | 4,599 |
| Average equity | $3,894,500 | 4,657 |
| Average total loans | $19,921,500 | 4,522 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3572% | 3,032 |
| Cost of funding earning assets | 0.5537% | 696 |
| Net interest margin | 2.8034% | 3,659 |
| Noninterest income to average assets | 1.0873% | 872 |
| Noninterest expense to average assets | 2.8517% | 1,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7908% | 3,360 |
| Return on assets (ROA) | 0.7908% | 3,428 |
| Pretax return on assets | 0.8254% | 3,672 |
| Return on Equity (ROE) | 7.3709% | 3,413 |
| Retained earnings to average equity (ytd only) | 5.6203% | 2,510 |
| Net charge-offs to loans | 0.8599% | 78 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1.8054% | 2,602 |
| Efficiency ratio | 77.5538% | 987 |
| Assets per employee ($millions) | 6.0691% | 2,694 |
| Cash dividends to net income (ytd only)* | 23.7500% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 1,035 |
| Loan loss allowance to noncurrent loans | 25.9513% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 3.3660% | 59 |
| Noncurrent loans to loans | 6.5726% | 41 |
| Net loans and leases to total assets | 46.2551% | 3,667 |
| Net loans and leases to deposits | 57.1300% | 3,326 |
| Net loans and leases to core deposits | 58.5496% | 3,429 |
| Total domestic deposits to total assets | 80.9646% | 4,111 |
| Equity capital to assets | 10.2133% | 2,456 |
| Core capital (leverage) ratio | 9.8318% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,467,000 | 4,658 |
| Average earning assets | $37,382,600 | 4,642 |
| Average equity | $4,341,400 | 4,682 |
| Average total loans | $21,513,600 | 4,540 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 737 |
| Cost of funding earning assets | 0.5773% | 714 |
| Net interest margin | 3.8743% | 982 |
| Noninterest income to average assets | 0.3870% | 3,170 |
| Noninterest expense to average assets | 2.8859% | 1,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0176% | 2,845 |
| Return on assets (ROA) | 1.0176% | 2,906 |
| Pretax return on assets | 1.0610% | 3,294 |
| Return on Equity (ROE) | 9.3656% | 2,977 |
| Retained earnings to average equity (ytd only) | 8.3216% | 1,946 |
| Net charge-offs to loans | 0.0548% | 1,107 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 35.3333% | 1,442 |
| Efficiency ratio | 73.1192% | 1,294 |
| Assets per employee ($millions) | 6.9074% | 1,930 |
| Cash dividends to net income (ytd only)* | 11.1475% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4197% | 323 |
| Loan loss allowance to noncurrent loans | 21.5506% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 5.0525% | 28 |
| Noncurrent loans to loans | 11.2281% | 12 |
| Net loans and leases to total assets | 43.1192% | 4,013 |
| Net loans and leases to deposits | 51.9627% | 3,887 |
| Net loans and leases to core deposits | 53.0644% | 3,974 |
| Total domestic deposits to total assets | 82.9811% | 3,712 |
| Equity capital to assets | 9.1351% | 3,716 |
| Core capital (leverage) ratio | 9.0691% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,962,750 | 4,732 |
| Average earning assets | $36,719,500 | 4,719 |
| Average equity | $4,342,000 | 4,752 |
| Average total loans | $21,894,000 | 4,598 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2687% | 227 |
| Cost of funding earning assets | 0.6015% | 741 |
| Net interest margin | 4.6673% | 280 |
| Noninterest income to average assets | 0.4251% | 2,977 |
| Noninterest expense to average assets | 3.0350% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6574% | 938 |
| Return on assets (ROA) | 1.6574% | 992 |
| Pretax return on assets | 1.7328% | 1,402 |
| Return on Equity (ROE) | 14.2692% | 1,330 |
| Retained earnings to average equity (ytd only) | 12.6940% | 777 |
| Net charge-offs to loans | -0.0181% | 3,949 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6569% | 2,473 |
| Assets per employee ($millions) | 4.9104% | 3,739 |
| Cash dividends to net income (ytd only)* | 11.0390% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3390% | 339 |
| Loan loss allowance to noncurrent loans | 30.3274% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 4.5770% | 46 |
| Noncurrent loans to loans | 7.7124% | 30 |
| Net loans and leases to total assets | 56.1210% | 2,889 |
| Net loans and leases to deposits | 70.1365% | 2,395 |
| Net loans and leases to core deposits | 72.0458% | 2,602 |
| Total domestic deposits to total assets | 80.0168% | 4,236 |
| Equity capital to assets | 11.2542% | 1,787 |
| Core capital (leverage) ratio | 11.2102% | 1,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,166,333 | 4,790 |
| Average earning assets | $34,581,333 | 4,772 |
| Average equity | $4,317,000 | 4,783 |
| Average total loans | $22,070,000 | 4,627 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3506% | 73 |
| Cost of funding earning assets | 0.6339% | 750 |
| Net interest margin | 5.7168% | 78 |
| Noninterest income to average assets | 0.5096% | 2,567 |
| Noninterest expense to average assets | 2.9799% | 1,032 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.8249% | 177 |
| Return on assets (ROA) | 2.8249% | 200 |
| Pretax return on assets | 2.8249% | 295 |
| Return on Equity (ROE) | 23.9156% | 298 |
| Retained earnings to average equity (ytd only) | 23.9156% | 158 |
| Net charge-offs to loans | -0.1650% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3359% | 4,058 |
| Assets per employee ($millions) | 6.0883% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5318% | 246 |
| Loan loss allowance to noncurrent loans | 30.9606% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 4.9056% | 40 |
| Noncurrent loans to loans | 8.1776% | 31 |
| Net loans and leases to total assets | 56.3811% | 2,989 |
| Net loans and leases to deposits | 71.6109% | 2,349 |
| Net loans and leases to core deposits | 73.7468% | 2,536 |
| Total domestic deposits to total assets | 78.7325% | 4,360 |
| Equity capital to assets | 11.8232% | 1,378 |
| Core capital (leverage) ratio | 11.4439% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,108,000 | 4,818 |
| Average earning assets | $33,445,500 | 4,806 |
| Average equity | $4,265,000 | 4,810 |
| Average total loans | $21,818,000 | 4,657 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7379% | 831 |
| Cost of funding earning assets | 0.8458% | 1,033 |
| Net interest margin | 3.8921% | 1,239 |
| Noninterest income to average assets | 0.5395% | 2,469 |
| Noninterest expense to average assets | 3.0619% | 1,301 |
| Loan and lease loss provision to assets | 0.7453% | 192 |
| Net operating income to assets | 0.3337% | 4,386 |
| Return on assets (ROA) | 0.3337% | 4,448 |
| Pretax return on assets | 0.3282% | 4,511 |
| Return on Equity (ROE) | 2.8986% | 4,406 |
| Retained earnings to average equity (ytd only) | -0.1932% | 4,550 |
| Net charge-offs to loans | 0.3768% | 457 |
| Credit loss provision to net charge-offs | 291.3043% | 1,771 |
| Earnings coverage of net charge-offs (x) | 4.1957% | 3,015 |
| Efficiency ratio | 74.0417% | 1,435 |
| Assets per employee ($millions) | 5.9488% | 2,383 |
| Cash dividends to net income (ytd only)* | 106.6667% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3373% | 327 |
| Loan loss allowance to noncurrent loans | 32.3692% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 4.8693% | 43 |
| Noncurrent loans to loans | 7.2206% | 44 |
| Net loans and leases to total assets | 61.5779% | 2,660 |
| Net loans and leases to deposits | 78.4880% | 2,025 |
| Net loans and leases to core deposits | 80.9510% | 2,280 |
| Total domestic deposits to total assets | 78.4552% | 4,269 |
| Equity capital to assets | 11.8174% | 1,669 |
| Core capital (leverage) ratio | 10.7735% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,958,000 | 4,819 |
| Average earning assets | $33,221,200 | 4,807 |
| Average equity | $4,140,000 | 4,834 |
| Average total loans | $24,418,000 | 4,627 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7336% | 997 |
| Cost of funding earning assets | 0.9051% | 1,057 |
| Net interest margin | 3.8286% | 1,546 |
| Noninterest income to average assets | 0.6218% | 2,095 |
| Noninterest expense to average assets | 3.0423% | 1,349 |
| Loan and lease loss provision to assets | 0.9910% | 144 |
| Net operating income to assets | 0.1332% | 4,668 |
| Return on assets (ROA) | 0.1332% | 4,692 |
| Pretax return on assets | 0.1258% | 4,707 |
| Return on Equity (ROE) | 1.1649% | 4,681 |
| Retained earnings to average equity (ytd only) | -0.3236% | 4,533 |
| Net charge-offs to loans | 0.5034% | 296 |
| Credit loss provision to net charge-offs | 285.1064% | 1,810 |
| Earnings coverage of net charge-offs (x) | 3.2128% | 2,929 |
| Efficiency ratio | 73.1317% | 1,503 |
| Assets per employee ($millions) | 5.1446% | 3,071 |
| Cash dividends to net income (ytd only)* | 127.7778% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0639% | 446 |
| Loan loss allowance to noncurrent loans | 29.8575% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 5.2149% | 53 |
| Noncurrent loans to loans | 6.9124% | 57 |
| Net loans and leases to total assets | 69.0464% | 2,102 |
| Net loans and leases to deposits | 87.8560% | 1,502 |
| Net loans and leases to core deposits | 90.5796% | 1,921 |
| Total domestic deposits to total assets | 78.5905% | 4,120 |
| Equity capital to assets | 11.6656% | 1,900 |
| Core capital (leverage) ratio | 10.8269% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,024,250 | 4,846 |
| Average earning assets | $33,292,750 | 4,832 |
| Average equity | $4,120,500 | 4,860 |
| Average total loans | $24,896,250 | 4,646 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4862% | 1,954 |
| Cost of funding earning assets | 0.9549% | 1,130 |
| Net interest margin | 3.5313% | 2,698 |
| Noninterest income to average assets | 0.3608% | 3,322 |
| Noninterest expense to average assets | 3.0809% | 1,399 |
| Loan and lease loss provision to assets | 0.1332% | 2,678 |
| Net operating income to assets | 0.4219% | 4,183 |
| Return on assets (ROA) | 0.4219% | 4,245 |
| Pretax return on assets | 0.4108% | 4,397 |
| Return on Equity (ROE) | 3.7131% | 4,190 |
| Retained earnings to average equity (ytd only) | 1.4657% | 3,947 |
| Net charge-offs to loans | 0.0162% | 2,414 |
| Credit loss provision to net charge-offs | 1,200.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 1,115 |
| Efficiency ratio | 84.9923% | 585 |
| Assets per employee ($millions) | 5.1683% | 2,980 |
| Cash dividends to net income (ytd only)* | 60.5263% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 1,297 |
| Loan loss allowance to noncurrent loans | 23.2834% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 4.7847% | 59 |
| Noncurrent loans to loans | 6.3929% | 66 |
| Net loans and leases to total assets | 68.2348% | 2,310 |
| Net loans and leases to deposits | 88.2683% | 1,527 |
| Net loans and leases to core deposits | 93.2814% | 1,803 |
| Total domestic deposits to total assets | 77.3039% | 4,282 |
| Equity capital to assets | 11.8746% | 1,741 |
| Core capital (leverage) ratio | 10.7951% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,028,333 | 4,867 |
| Average earning assets | $33,302,000 | 4,855 |
| Average equity | $4,093,667 | 4,889 |
| Average total loans | $24,732,000 | 4,667 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0380% | 894 |
| Cost of funding earning assets | 1.0124% | 1,369 |
| Net interest margin | 4.0256% | 1,322 |
| Noninterest income to average assets | 0.3783% | 3,246 |
| Noninterest expense to average assets | 3.1374% | 1,550 |
| Loan and lease loss provision to assets | 0.1558% | 1,843 |
| Net operating income to assets | 0.8010% | 2,904 |
| Return on assets (ROA) | 0.8010% | 2,994 |
| Pretax return on assets | 0.8010% | 3,414 |
| Return on Equity (ROE) | 7.2135% | 2,861 |
| Retained earnings to average equity (ytd only) | 2.8053% | 3,157 |
| Net charge-offs to loans | 0.0326% | 1,739 |
| Credit loss provision to net charge-offs | 700.0000% | 723 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 992 |
| Efficiency ratio | 76.6304% | 1,494 |
| Assets per employee ($millions) | 5.1024% | 2,538 |
| Cash dividends to net income (ytd only)* | 61.1111% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 1,384 |
| Loan loss allowance to noncurrent loans | 23.4496% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 4.6952% | 73 |
| Noncurrent loans to loans | 6.3474% | 72 |
| Net loans and leases to total assets | 67.2649% | 2,655 |
| Net loans and leases to deposits | 88.5616% | 1,684 |
| Net loans and leases to core deposits | 93.2069% | 2,044 |
| Total domestic deposits to total assets | 75.9526% | 4,492 |
| Equity capital to assets | 10.7904% | 3,059 |
| Core capital (leverage) ratio | 10.9584% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,953,500 | 4,901 |
| Average earning assets | $33,188,000 | 4,887 |
| Average equity | $3,992,500 | 4,938 |
| Average total loans | $24,568,500 | 4,705 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8145% | 1,998 |
| Cost of funding earning assets | 1.0478% | 1,521 |
| Net interest margin | 3.7667% | 2,620 |
| Noninterest income to average assets | 0.4627% | 2,941 |
| Noninterest expense to average assets | 3.1372% | 1,673 |
| Loan and lease loss provision to assets | 0.0496% | 3,029 |
| Net operating income to assets | 0.7354% | 3,748 |
| Return on assets (ROA) | 0.7354% | 3,819 |
| Pretax return on assets | 0.7712% | 4,043 |
| Return on Equity (ROE) | 6.7694% | 3,633 |
| Retained earnings to average equity (ytd only) | 4.2341% | 2,839 |
| Net charge-offs to loans | 0.1130% | 1,605 |
| Credit loss provision to net charge-offs | 64.2857% | 2,983 |
| Earnings coverage of net charge-offs (x) | 10.6429% | 2,555 |
| Efficiency ratio | 79.2624% | 1,009 |
| Assets per employee ($millions) | 5.1700% | 2,369 |
| Cash dividends to net income (ytd only)* | 37.4532% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 1,476 |
| Loan loss allowance to noncurrent loans | 64.4567% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.7767% | 496 |
| Noncurrent loans to loans | 2.1940% | 564 |
| Net loans and leases to total assets | 67.4192% | 2,769 |
| Net loans and leases to deposits | 88.6141% | 1,758 |
| Net loans and leases to core deposits | 93.5078% | 2,114 |
| Total domestic deposits to total assets | 76.0818% | 4,590 |
| Equity capital to assets | 11.3982% | 2,627 |
| Core capital (leverage) ratio | 10.9087% | 2,584 |
| Tier 1 risk-based capital ratio | 15.1050% | 2,738 |
| Total risk-based capital ratio | 16.3510% | 2,669 |
| Memoranda: | ||
| Average total assets | $36,306,000 | 4,952 |
| Average earning assets | $33,689,800 | 4,934 |
| Average equity | $3,944,200 | 4,996 |
| Average total loans | $24,786,400 | 4,755 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7521% | 2,264 |
| Cost of funding earning assets | 1.0468% | 1,553 |
| Net interest margin | 3.7053% | 2,899 |
| Noninterest income to average assets | 0.4880% | 2,807 |
| Noninterest expense to average assets | 3.1521% | 1,574 |
| Loan and lease loss provision to assets | 0.0697% | 2,482 |
| Net operating income to assets | 0.6825% | 4,065 |
| Return on assets (ROA) | 0.6825% | 4,128 |
| Pretax return on assets | 0.7082% | 4,325 |
| Return on Equity (ROE) | 6.3603% | 3,934 |
| Retained earnings to average equity (ytd only) | 5.1977% | 2,798 |
| Net charge-offs to loans | 0.1560% | 1,060 |
| Credit loss provision to net charge-offs | 65.5172% | 2,665 |
| Earnings coverage of net charge-offs (x) | 7.3095% | 2,757 |
| Efficiency ratio | 80.2054% | 909 |
| Assets per employee ($millions) | 5.1770% | 2,366 |
| Cash dividends to net income (ytd only)* | 18.2790% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 1,553 |
| Loan loss allowance to noncurrent loans | 49.2958% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 2.2352% | 349 |
| Noncurrent loans to loans | 2.8546% | 365 |
| Net loans and leases to total assets | 67.6674% | 2,841 |
| Net loans and leases to deposits | 90.1942% | 1,676 |
| Net loans and leases to core deposits | 95.7031% | 2,029 |
| Total domestic deposits to total assets | 75.0241% | 4,745 |
| Equity capital to assets | 11.3386% | 2,806 |
| Core capital (leverage) ratio | 10.8431% | 2,795 |
| Tier 1 risk-based capital ratio | 15.0094% | 2,838 |
| Total risk-based capital ratio | 16.2662% | 2,771 |
| Memoranda: | ||
| Average total assets | $36,335,000 | 5,024 |
| Average earning assets | $33,753,000 | 5,011 |
| Average equity | $3,899,000 | 5,073 |
| Average total loans | $24,795,750 | 4,827 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6611% | 2,478 |
| Cost of funding earning assets | 1.0115% | 1,638 |
| Net interest margin | 3.6496% | 3,102 |
| Noninterest income to average assets | 0.4675% | 2,860 |
| Noninterest expense to average assets | 3.1347% | 1,650 |
| Loan and lease loss provision to assets | 0.0715% | 2,385 |
| Net operating income to assets | 0.6599% | 4,130 |
| Return on assets (ROA) | 0.6599% | 4,185 |
| Pretax return on assets | 0.6544% | 4,437 |
| Return on Equity (ROE) | 6.2680% | 3,964 |
| Retained earnings to average equity (ytd only) | 4.5965% | 2,978 |
| Net charge-offs to loans | 0.2342% | 722 |
| Credit loss provision to net charge-offs | 44.8276% | 2,509 |
| Earnings coverage of net charge-offs (x) | 4.5517% | 2,731 |
| Efficiency ratio | 81.1966% | 863 |
| Assets per employee ($millions) | 5.2230% | 2,230 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,634 |
| Loan loss allowance to noncurrent loans | 83.2930% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.4031% | 850 |
| Noncurrent loans to loans | 1.6753% | 911 |
| Net loans and leases to total assets | 66.4861% | 3,042 |
| Net loans and leases to deposits | 84.5260% | 2,432 |
| Net loans and leases to core deposits | 88.5666% | 2,742 |
| Total domestic deposits to total assets | 78.6576% | 4,286 |
| Equity capital to assets | 10.8750% | 3,200 |
| Core capital (leverage) ratio | 10.7425% | 2,850 |
| Tier 1 risk-based capital ratio | 14.9387% | 2,876 |
| Total risk-based capital ratio | 16.1884% | 2,790 |
| Memoranda: | ||
| Average total assets | $36,367,000 | 5,063 |
| Average earning assets | $33,812,000 | 5,051 |
| Average equity | $3,829,000 | 5,118 |
| Average total loans | $24,770,330 | 4,863 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6906% | 2,258 |
| Cost of funding earning assets | 0.9262% | 1,895 |
| Net interest margin | 3.7643% | 2,656 |
| Noninterest income to average assets | 0.4301% | 2,979 |
| Noninterest expense to average assets | 3.0328% | 1,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8933% | 3,253 |
| Return on assets (ROA) | 0.8933% | 3,309 |
| Pretax return on assets | 0.8933% | 3,788 |
| Return on Equity (ROE) | 8.6273% | 2,977 |
| Retained earnings to average equity (ytd only) | 5.4320% | 2,718 |
| Net charge-offs to loans | 0.3866% | 401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 3.3750% | 2,406 |
| Efficiency ratio | 77.2472% | 1,355 |
| Assets per employee ($millions) | 5.1331% | 2,358 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 1,818 |
| Loan loss allowance to noncurrent loans | 81.7518% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.4221% | 866 |
| Noncurrent loans to loans | 1.6673% | 931 |
| Net loans and leases to total assets | 67.6695% | 2,808 |
| Net loans and leases to deposits | 86.1745% | 2,110 |
| Net loans and leases to core deposits | 90.8802% | 2,411 |
| Total domestic deposits to total assets | 78.5261% | 4,427 |
| Equity capital to assets | 10.6284% | 3,223 |
| Core capital (leverage) ratio | 10.6371% | 2,908 |
| Tier 1 risk-based capital ratio | 14.8350% | 2,945 |
| Total risk-based capital ratio | 16.0884% | 2,880 |
| Memoranda: | ||
| Average total assets | $36,270,000 | 5,118 |
| Average earning assets | $33,684,500 | 5,107 |
| Average equity | $3,755,500 | 5,173 |
| Average total loans | $24,829,500 | 4,907 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6962% | 1,833 |
| Cost of funding earning assets | 0.8301% | 1,390 |
| Net interest margin | 3.8661% | 2,437 |
| Noninterest income to average assets | 0.6637% | 1,995 |
| Noninterest expense to average assets | 3.1773% | 1,606 |
| Loan and lease loss provision to assets | 0.1786% | 1,101 |
| Net operating income to assets | 0.8690% | 3,542 |
| Return on assets (ROA) | 0.8690% | 3,537 |
| Pretax return on assets | 0.8956% | 3,912 |
| Return on Equity (ROE) | 9.2962% | 2,838 |
| Retained earnings to average equity (ytd only) | 7.4712% | 1,467 |
| Net charge-offs to loans | 0.4601% | 396 |
| Credit loss provision to net charge-offs | 58.7719% | 3,119 |
| Earnings coverage of net charge-offs (x) | 3.5351% | 3,398 |
| Efficiency ratio | 74.7335% | 1,531 |
| Assets per employee ($millions) | 5.2297% | 2,227 |
| Cash dividends to net income (ytd only)* | 19.6319% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 1,489 |
| Loan loss allowance to noncurrent loans | 95.4907% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.3003% | 980 |
| Noncurrent loans to loans | 1.5075% | 1,008 |
| Net loans and leases to total assets | 67.3295% | 2,962 |
| Net loans and leases to deposits | 85.0459% | 2,399 |
| Net loans and leases to core deposits | 91.5160% | 2,451 |
| Total domestic deposits to total assets | 79.1685% | 4,276 |
| Equity capital to assets | 10.0852% | 3,591 |
| Core capital (leverage) ratio | 10.2804% | 3,273 |
| Tier 1 risk-based capital ratio | 14.4553% | 3,083 |
| Total risk-based capital ratio | 15.6997% | 2,993 |
| Memoranda: | ||
| Average total assets | $37,516,200 | 5,134 |
| Average earning assets | $34,815,200 | 5,116 |
| Average equity | $3,506,800 | 5,236 |
| Average total loans | $24,775,400 | 4,947 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6309% | 1,899 |
| Cost of funding earning assets | 0.8105% | 1,288 |
| Net interest margin | 3.8203% | 2,569 |
| Noninterest income to average assets | 0.7100% | 1,833 |
| Noninterest expense to average assets | 3.0698% | 1,836 |
| Loan and lease loss provision to assets | 0.2014% | 866 |
| Net operating income to assets | 0.9432% | 3,335 |
| Return on assets (ROA) | 0.9432% | 3,339 |
| Pretax return on assets | 0.9856% | 3,766 |
| Return on Equity (ROE) | 10.2872% | 2,485 |
| Retained earnings to average equity (ytd only) | 7.8214% | 1,737 |
| Net charge-offs to loans | 0.5017% | 310 |
| Credit loss provision to net charge-offs | 61.2903% | 2,736 |
| Earnings coverage of net charge-offs (x) | 3.6128% | 3,145 |
| Efficiency ratio | 72.1162% | 1,863 |
| Assets per employee ($millions) | 5.3800% | 2,037 |
| Cash dividends to net income (ytd only)* | 23.9698% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 1,392 |
| Loan loss allowance to noncurrent loans | 86.0789% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.4206% | 932 |
| Noncurrent loans to loans | 1.7263% | 900 |
| Net loans and leases to total assets | 65.3080% | 3,274 |
| Net loans and leases to deposits | 80.7240% | 2,957 |
| Net loans and leases to core deposits | 86.2680% | 2,975 |
| Total domestic deposits to total assets | 80.9028% | 3,892 |
| Equity capital to assets | 9.3070% | 4,266 |
| Core capital (leverage) ratio | 9.8869% | 3,758 |
| Tier 1 risk-based capital ratio | 14.0539% | 3,347 |
| Total risk-based capital ratio | 15.3038% | 3,253 |
| Memoranda: | ||
| Average total assets | $37,743,250 | 5,196 |
| Average earning assets | $35,039,500 | 5,173 |
| Average equity | $3,460,500 | 5,311 |
| Average total loans | $24,717,250 | 5,005 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 2,077 |
| Cost of funding earning assets | 0.8441% | 944 |
| Net interest margin | 3.6617% | 3,071 |
| Noninterest income to average assets | 0.6618% | 2,042 |
| Noninterest expense to average assets | 3.0971% | 1,790 |
| Loan and lease loss provision to assets | 0.1006% | 1,936 |
| Net operating income to assets | 0.8259% | 3,771 |
| Return on assets (ROA) | 0.8259% | 3,775 |
| Pretax return on assets | 0.8630% | 4,075 |
| Return on Equity (ROE) | 9.0435% | 2,993 |
| Retained earnings to average equity (ytd only) | 5.3333% | 2,918 |
| Net charge-offs to loans | 0.5196% | 287 |
| Credit loss provision to net charge-offs | 29.6875% | 2,626 |
| Earnings coverage of net charge-offs (x) | 2.8438% | 2,943 |
| Efficiency ratio | 76.2712% | 1,394 |
| Assets per employee ($millions) | 5.4259% | 1,966 |
| Cash dividends to net income (ytd only)* | 41.0256% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 1,585 |
| Loan loss allowance to noncurrent loans | 68.8213% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 2.1353% | 479 |
| Noncurrent loans to loans | 2.0970% | 684 |
| Net loans and leases to total assets | 65.0904% | 3,266 |
| Net loans and leases to deposits | 78.5399% | 3,106 |
| Net loans and leases to core deposits | 81.8745% | 3,257 |
| Total domestic deposits to total assets | 82.8756% | 3,444 |
| Equity capital to assets | 9.1203% | 4,461 |
| Core capital (leverage) ratio | 9.6357% | 3,960 |
| Tier 1 risk-based capital ratio | 13.3794% | 3,687 |
| Total risk-based capital ratio | 14.6357% | 3,602 |
| Memoranda: | ||
| Average total assets | $37,776,670 | 5,259 |
| Average earning assets | $35,065,330 | 5,232 |
| Average equity | $3,450,000 | 5,373 |
| Average total loans | $24,636,000 | 5,067 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4121% | 2,157 |
| Cost of funding earning assets | 0.7564% | 1,158 |
| Net interest margin | 3.6557% | 2,967 |
| Noninterest income to average assets | 0.3398% | 3,878 |
| Noninterest expense to average assets | 2.8454% | 2,549 |
| Loan and lease loss provision to assets | 0.2017% | 828 |
| Net operating income to assets | 0.6795% | 4,176 |
| Return on assets (ROA) | 0.6795% | 4,178 |
| Pretax return on assets | 0.6795% | 4,499 |
| Return on Equity (ROE) | 7.4354% | 3,620 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,803 |
| Net charge-offs to loans | 0.8848% | 160 |
| Credit loss provision to net charge-offs | 35.1852% | 2,039 |
| Earnings coverage of net charge-offs (x) | 1.5370% | 2,547 |
| Efficiency ratio | 76.3533% | 1,551 |
| Assets per employee ($millions) | 5.3376% | 2,104 |
| Cash dividends to net income (ytd only)* | 100.0000% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 1,396 |
| Loan loss allowance to noncurrent loans | 81.4004% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 2.1412% | 501 |
| Noncurrent loans to loans | 1.8655% | 882 |
| Net loans and leases to total assets | 64.5692% | 3,230 |
| Net loans and leases to deposits | 76.2677% | 3,184 |
| Net loans and leases to core deposits | 80.6802% | 3,271 |
| Total domestic deposits to total assets | 84.6613% | 3,042 |
| Equity capital to assets | 9.0196% | 4,534 |
| Core capital (leverage) ratio | 9.3063% | 4,316 |
| Tier 1 risk-based capital ratio | 13.7013% | 3,545 |
| Total risk-based capital ratio | 14.9547% | 3,448 |
| Memoranda: | ||
| Average total assets | $37,674,500 | 5,313 |
| Average earning assets | $34,904,000 | 5,295 |
| Average equity | $3,443,000 | 5,427 |
| Average total loans | $24,412,000 | 5,132 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4482% | 1,888 |
| Cost of funding earning assets | 0.6482% | 1,302 |
| Net interest margin | 3.8000% | 2,431 |
| Noninterest income to average assets | 0.4873% | 3,081 |
| Noninterest expense to average assets | 2.7257% | 3,043 |
| Loan and lease loss provision to assets | 0.5290% | 248 |
| Net operating income to assets | 0.7948% | 3,187 |
| Return on assets (ROA) | 0.7948% | 3,232 |
| Pretax return on assets | 0.7766% | 4,313 |
| Return on Equity (ROE) | 8.8176% | 2,399 |
| Retained earnings to average equity (ytd only) | 5.9844% | 1,549 |
| Net charge-offs to loans | 0.5925% | 387 |
| Credit loss provision to net charge-offs | 137.1622% | 1,931 |
| Earnings coverage of net charge-offs (x) | 3.3851% | 3,616 |
| Efficiency ratio | 67.6147% | 2,977 |
| Assets per employee ($millions) | 5.4263% | 2,015 |
| Cash dividends to net income (ytd only)* | 32.1311% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6730% | 989 |
| Loan loss allowance to noncurrent loans | 66.1789% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 2.5195% | 375 |
| Noncurrent loans to loans | 2.5281% | 526 |
| Net loans and leases to total assets | 62.9739% | 3,490 |
| Net loans and leases to deposits | 74.7407% | 3,452 |
| Net loans and leases to core deposits | 78.7386% | 3,527 |
| Total domestic deposits to total assets | 84.2565% | 3,107 |
| Equity capital to assets | 9.2381% | 4,492 |
| Core capital (leverage) ratio | 9.1027% | 4,520 |
| Tier 1 risk-based capital ratio | 13.6501% | 3,545 |
| Total risk-based capital ratio | 14.9052% | 3,453 |
| Memoranda: | ||
| Average total assets | $38,374,800 | 5,353 |
| Average earning assets | $35,789,600 | 5,333 |
| Average equity | $3,459,000 | 5,483 |
| Average total loans | $24,977,400 | 5,159 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 2,127 |
| Cost of funding earning assets | 0.6179% | 1,414 |
| Net interest margin | 3.7260% | 2,672 |
| Noninterest income to average assets | 0.5510% | 2,723 |
| Noninterest expense to average assets | 2.7274% | 2,971 |
| Loan and lease loss provision to assets | 0.3084% | 506 |
| Net operating income to assets | 1.0293% | 2,416 |
| Return on assets (ROA) | 1.0293% | 2,457 |
| Pretax return on assets | 1.0050% | 3,668 |
| Return on Equity (ROE) | 11.4896% | 1,492 |
| Retained earnings to average equity (ytd only) | 8.8591% | 894 |
| Net charge-offs to loans | 0.0636% | 2,207 |
| Credit loss provision to net charge-offs | 741.6667% | 468 |
| Earnings coverage of net charge-offs (x) | 31.5825% | 1,504 |
| Efficiency ratio | 67.4957% | 2,965 |
| Assets per employee ($millions) | 6.4613% | 1,211 |
| Cash dividends to net income (ytd only)* | 22.8945% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 1,070 |
| Loan loss allowance to noncurrent loans | 41.9355% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 2.6388% | 386 |
| Noncurrent loans to loans | 4.0063% | 244 |
| Net loans and leases to total assets | 64.7596% | 3,288 |
| Net loans and leases to deposits | 79.4293% | 3,024 |
| Net loans and leases to core deposits | 85.4789% | 3,012 |
| Total domestic deposits to total assets | 81.5312% | 3,909 |
| Equity capital to assets | 9.3118% | 4,640 |
| Core capital (leverage) ratio | 9.1759% | 4,541 |
| Tier 1 risk-based capital ratio | 13.3110% | 3,816 |
| Total risk-based capital ratio | 14.5649% | 3,728 |
| Memoranda: | ||
| Average total assets | $38,472,500 | 5,411 |
| Average earning assets | $36,034,500 | 5,391 |
| Average equity | $3,446,500 | 5,548 |
| Average total loans | $25,140,000 | 5,208 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 2,203 |
| Cost of funding earning assets | 0.6064% | 1,401 |
| Net interest margin | 3.6717% | 2,750 |
| Noninterest income to average assets | 0.6411% | 2,248 |
| Noninterest expense to average assets | 2.6737% | 3,182 |
| Loan and lease loss provision to assets | 0.3961% | 339 |
| Net operating income to assets | 1.0997% | 1,977 |
| Return on assets (ROA) | 1.0997% | 2,030 |
| Pretax return on assets | 1.0111% | 3,521 |
| Return on Equity (ROE) | 12.4410% | 1,177 |
| Retained earnings to average equity (ytd only) | 12.4410% | 281 |
| Net charge-offs to loans | 0.0080% | 3,170 |
| Credit loss provision to net charge-offs | 7,600.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 270.0000% | 319 |
| Efficiency ratio | 65.5172% | 3,433 |
| Assets per employee ($millions) | 5.6039% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6841% | 1,094 |
| Loan loss allowance to noncurrent loans | 51.0766% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 2.1312% | 575 |
| Noncurrent loans to loans | 3.2972% | 365 |
| Net loans and leases to total assets | 63.5481% | 3,445 |
| Net loans and leases to deposits | 75.2634% | 3,431 |
| Net loans and leases to core deposits | 79.3986% | 3,471 |
| Total domestic deposits to total assets | 84.4342% | 3,037 |
| Equity capital to assets | 9.0575% | 4,847 |
| Core capital (leverage) ratio | 8.9317% | 4,799 |
| Tier 1 risk-based capital ratio | 13.1228% | 3,932 |
| Total risk-based capital ratio | 14.3845% | 3,830 |
| Memoranda: | ||
| Average total assets | $38,374,000 | 5,455 |
| Average earning assets | $35,951,000 | 5,431 |
| Average equity | $3,392,000 | 5,597 |
| Average total loans | $25,008,330 | 5,248 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1014% | 2,647 |
| Cost of funding earning assets | 0.6051% | 1,341 |
| Net interest margin | 3.4962% | 3,288 |
| Noninterest income to average assets | 0.3584% | 3,970 |
| Noninterest expense to average assets | 2.6985% | 3,143 |
| Loan and lease loss provision to assets | 0.0632% | 2,539 |
| Net operating income to assets | 0.8854% | 2,834 |
| Return on assets (ROA) | 0.8854% | 2,883 |
| Pretax return on assets | 0.8854% | 3,822 |
| Return on Equity (ROE) | 10.1465% | 1,906 |
| Retained earnings to average equity (ytd only) | 10.1465% | 781 |
| Net charge-offs to loans | 0.0161% | 2,474 |
| Credit loss provision to net charge-offs | 600.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 592 |
| Efficiency ratio | 73.9884% | 2,237 |
| Assets per employee ($millions) | 5.5423% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 1,938 |
| Loan loss allowance to noncurrent loans | 46.9737% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 1.9590% | 679 |
| Noncurrent loans to loans | 3.0479% | 448 |
| Net loans and leases to total assets | 63.3519% | 3,352 |
| Net loans and leases to deposits | 74.8531% | 3,317 |
| Net loans and leases to core deposits | 78.8717% | 3,401 |
| Total domestic deposits to total assets | 84.6350% | 3,248 |
| Equity capital to assets | 8.5756% | 5,184 |
| Core capital (leverage) ratio | 8.7785% | 4,976 |
| Tier 1 risk-based capital ratio | 12.8382% | 4,176 |
| Total risk-based capital ratio | 14.0889% | 4,076 |
| Memoranda: | ||
| Average total assets | $37,947,500 | 5,525 |
| Average earning assets | $35,695,500 | 5,499 |
| Average equity | $3,311,500 | 5,668 |
| Average total loans | $24,835,000 | 5,303 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 1,438 |
| Cost of funding earning assets | 0.6343% | 1,141 |
| Net interest margin | 3.9001% | 1,970 |
| Noninterest income to average assets | 0.4050% | 3,836 |
| Noninterest expense to average assets | 3.0016% | 2,351 |
| Loan and lease loss provision to assets | 0.8510% | 134 |
| Net operating income to assets | 0.1696% | 5,463 |
| Return on assets (ROA) | 0.1204% | 5,568 |
| Pretax return on assets | 0.1204% | 5,573 |
| Return on Equity (ROE) | 1.2805% | 5,523 |
| Retained earnings to average equity (ytd only) | -4.0743% | 5,637 |
| Net charge-offs to loans | 1.1462% | 156 |
| Credit loss provision to net charge-offs | 113.9194% | 2,309 |
| Earnings coverage of net charge-offs (x) | 1.3663% | 3,995 |
| Efficiency ratio | 74.6259% | 2,199 |
| Assets per employee ($millions) | 6.1832% | 1,340 |
| Cash dividends to net income (ytd only)* | 418.1818% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 1,993 |
| Loan loss allowance to noncurrent loans | 62.7451% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.5122% | 1,092 |
| Noncurrent loans to loans | 2.2680% | 737 |
| Net loans and leases to total assets | 65.7241% | 3,111 |
| Net loans and leases to deposits | 79.5374% | 2,937 |
| Net loans and leases to core deposits | 84.1838% | 3,007 |
| Total domestic deposits to total assets | 82.6330% | 3,881 |
| Equity capital to assets | 8.8843% | 4,930 |
| Core capital (leverage) ratio | 8.9085% | 4,845 |
| Tier 1 risk-based capital ratio | 13.0002% | 4,078 |
| Total risk-based capital ratio | 14.2514% | 3,979 |
| Memoranda: | ||
| Average total assets | $36,546,800 | 5,608 |
| Average earning assets | $33,897,000 | 5,588 |
| Average equity | $3,436,200 | 5,708 |
| Average total loans | $23,817,200 | 5,400 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 1,695 |
| Cost of funding earning assets | 0.6381% | 1,101 |
| Net interest margin | 3.8128% | 2,285 |
| Noninterest income to average assets | 0.4175% | 3,798 |
| Noninterest expense to average assets | 3.0908% | 2,052 |
| Loan and lease loss provision to assets | 1.0840% | 89 |
| Net operating income to assets | -0.2344% | 5,807 |
| Return on assets (ROA) | -0.1831% | 5,801 |
| Pretax return on assets | -0.1831% | 5,790 |
| Return on Equity (ROE) | -1.9206% | 5,810 |
| Retained earnings to average equity (ytd only) | -8.4886% | 5,826 |
| Net charge-offs to loans | 1.5262% | 88 |
| Credit loss provision to net charge-offs | 109.6296% | 2,228 |
| Earnings coverage of net charge-offs (x) | 0.8593% | 3,753 |
| Efficiency ratio | 78.4387% | 1,628 |
| Assets per employee ($millions) | 6.0945% | 1,359 |
| Cash dividends to net income (ytd only)* | -341.9679% | 5,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3871% | 2,258 |
| Loan loss allowance to noncurrent loans | 46.6216% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 2.1112% | 720 |
| Noncurrent loans to loans | 2.9752% | 506 |
| Net loans and leases to total assets | 67.0741% | 2,941 |
| Net loans and leases to deposits | 82.5908% | 2,655 |
| Net loans and leases to core deposits | 87.9577% | 2,768 |
| Total domestic deposits to total assets | 81.2126% | 4,193 |
| Equity capital to assets | 9.3281% | 4,840 |
| Core capital (leverage) ratio | 8.9806% | 4,848 |
| Tier 1 risk-based capital ratio | 12.5971% | 4,413 |
| Total risk-based capital ratio | 13.8522% | 4,313 |
| Memoranda: | ||
| Average total assets | $36,408,750 | 5,663 |
| Average earning assets | $33,640,000 | 5,653 |
| Average equity | $3,471,250 | 5,767 |
| Average total loans | $23,587,750 | 5,457 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 1,326 |
| Cost of funding earning assets | 0.6540% | 1,035 |
| Net interest margin | 3.9182% | 1,919 |
| Noninterest income to average assets | 0.4181% | 3,760 |
| Noninterest expense to average assets | 3.3282% | 1,536 |
| Loan and lease loss provision to assets | 1.5678% | 57 |
| Net operating income to assets | -0.8857% | 5,972 |
| Return on assets (ROA) | -0.8087% | 5,967 |
| Pretax return on assets | -0.8087% | 5,960 |
| Return on Equity (ROE) | -8.4209% | 5,964 |
| Retained earnings to average equity (ytd only) | -16.8990% | 5,950 |
| Net charge-offs to loans | 0.0259% | 2,958 |
| Credit loss provision to net charge-offs | 9,500.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 41.3333% | 1,136 |
| Efficiency ratio | 82.9904% | 1,148 |
| Assets per employee ($millions) | 5.9893% | 1,405 |
| Cash dividends to net income (ytd only)* | -100.6803% | 6,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5172% | 356 |
| Loan loss allowance to noncurrent loans | 62.9319% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 2.7465% | 470 |
| Noncurrent loans to loans | 3.9998% | 290 |
| Net loans and leases to total assets | 64.7679% | 3,256 |
| Net loans and leases to deposits | 78.4912% | 3,103 |
| Net loans and leases to core deposits | 85.5510% | 2,942 |
| Total domestic deposits to total assets | 82.5161% | 3,831 |
| Equity capital to assets | 9.3694% | 4,893 |
| Core capital (leverage) ratio | 8.5920% | 5,272 |
| Tier 1 risk-based capital ratio | 12.4427% | 4,562 |
| Total risk-based capital ratio | 13.7067% | 4,463 |
| Memoranda: | ||
| Average total assets | $36,356,000 | 5,733 |
| Average earning assets | $33,331,330 | 5,726 |
| Average equity | $3,491,330 | 5,830 |
| Average total loans | $23,159,670 | 5,533 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4303% | 1,711 |
| Cost of funding earning assets | 0.6568% | 1,021 |
| Net interest margin | 3.7735% | 2,391 |
| Noninterest income to average assets | 0.3501% | 4,227 |
| Noninterest expense to average assets | 3.0192% | 2,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7548% | 3,460 |
| Return on assets (ROA) | 0.7548% | 3,570 |
| Pretax return on assets | 0.7876% | 4,236 |
| Return on Equity (ROE) | 7.7670% | 3,052 |
| Retained earnings to average equity (ytd only) | 0.4503% | 5,005 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3103% | 1,698 |
| Assets per employee ($millions) | 5.2341% | 2,101 |
| Cash dividends to net income (ytd only)* | 94.2029% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 2,466 |
| Loan loss allowance to noncurrent loans | 99.6885% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.8805% | 959 |
| Noncurrent loans to loans | 1.3948% | 1,711 |
| Net loans and leases to total assets | 61.9395% | 3,540 |
| Net loans and leases to deposits | 75.1308% | 3,313 |
| Net loans and leases to core deposits | 81.3114% | 3,199 |
| Total domestic deposits to total assets | 82.4422% | 4,082 |
| Equity capital to assets | 9.8174% | 4,318 |
| Core capital (leverage) ratio | 9.4460% | 4,286 |
| Tier 1 risk-based capital ratio | 13.6778% | 3,883 |
| Total risk-based capital ratio | 14.9270% | 3,809 |
| Memoranda: | ||
| Average total assets | $36,566,000 | 5,785 |
| Average earning assets | $33,496,500 | 5,775 |
| Average equity | $3,553,500 | 5,874 |
| Average total loans | $22,801,500 | 5,595 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 1,423 |
| Cost of funding earning assets | 0.5741% | 1,564 |
| Net interest margin | 3.9907% | 1,745 |
| Noninterest income to average assets | 0.4132% | 3,934 |
| Noninterest expense to average assets | 2.9806% | 2,616 |
| Loan and lease loss provision to assets | 0.0513% | 3,296 |
| Net operating income to assets | 0.9802% | 2,466 |
| Return on assets (ROA) | 0.9802% | 2,543 |
| Pretax return on assets | 1.0258% | 3,361 |
| Return on Equity (ROE) | 10.2375% | 1,909 |
| Retained earnings to average equity (ytd only) | 9.1661% | 622 |
| Net charge-offs to loans | -0.0048% | 4,967 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4551% | 2,665 |
| Assets per employee ($millions) | 5.2133% | 2,108 |
| Cash dividends to net income (ytd only)* | 10.4651% | 4,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 2,343 |
| Loan loss allowance to noncurrent loans | 121.2121% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.9291% | 930 |
| Noncurrent loans to loans | 1.1687% | 2,025 |
| Net loans and leases to total assets | 61.0227% | 3,686 |
| Net loans and leases to deposits | 73.8436% | 3,511 |
| Net loans and leases to core deposits | 80.0554% | 3,339 |
| Total domestic deposits to total assets | 82.6378% | 3,963 |
| Equity capital to assets | 9.6183% | 4,415 |
| Core capital (leverage) ratio | 9.6181% | 4,028 |
| Tier 1 risk-based capital ratio | 13.6956% | 3,892 |
| Total risk-based capital ratio | 14.9479% | 3,819 |
| Memoranda: | ||
| Average total assets | $35,093,400 | 5,870 |
| Average earning assets | $32,049,200 | 5,853 |
| Average equity | $3,360,200 | 5,943 |
| Average total loans | $20,945,600 | 5,685 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 1,560 |
| Cost of funding earning assets | 0.5452% | 1,841 |
| Net interest margin | 3.9676% | 1,816 |
| Noninterest income to average assets | 0.4221% | 3,924 |
| Noninterest expense to average assets | 2.9626% | 2,628 |
| Loan and lease loss provision to assets | 0.0230% | 3,815 |
| Net operating income to assets | 1.0208% | 2,373 |
| Return on assets (ROA) | 1.0208% | 2,467 |
| Pretax return on assets | 1.0668% | 3,344 |
| Return on Equity (ROE) | 10.6737% | 1,836 |
| Retained earnings to average equity (ytd only) | 10.4329% | 565 |
| Net charge-offs to loans | -0.0065% | 4,875 |
| Credit loss provision to net charge-offs | -600.0000% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1061% | 2,696 |
| Assets per employee ($millions) | 4.9743% | 2,330 |
| Cash dividends to net income (ytd only)* | 2.2557% | 3,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 2,415 |
| Loan loss allowance to noncurrent loans | 115.8491% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 2.0304% | 1,000 |
| Noncurrent loans to loans | 1.2420% | 2,059 |
| Net loans and leases to total assets | 60.3935% | 3,827 |
| Net loans and leases to deposits | 74.3363% | 3,508 |
| Net loans and leases to core deposits | 81.6660% | 3,287 |
| Total domestic deposits to total assets | 81.2435% | 4,412 |
| Equity capital to assets | 9.9282% | 4,256 |
| Core capital (leverage) ratio | 9.7533% | 3,961 |
| Tier 1 risk-based capital ratio | 13.9518% | 3,872 |
| Total risk-based capital ratio | 15.2007% | 3,813 |
| Memoranda: | ||
| Average total assets | $34,743,500 | 5,955 |
| Average earning assets | $31,790,250 | 5,938 |
| Average equity | $3,322,750 | 6,030 |
| Average total loans | $20,534,750 | 5,770 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 1,748 |
| Cost of funding earning assets | 0.5349% | 1,943 |
| Net interest margin | 3.8951% | 1,996 |
| Noninterest income to average assets | 0.4090% | 4,016 |
| Noninterest expense to average assets | 2.9552% | 2,693 |
| Loan and lease loss provision to assets | 0.0058% | 3,986 |
| Net operating income to assets | 1.0312% | 2,224 |
| Return on assets (ROA) | 1.0312% | 2,341 |
| Pretax return on assets | 1.0139% | 3,529 |
| Return on Equity (ROE) | 10.9213% | 1,707 |
| Retained earnings to average equity (ytd only) | 10.1281% | 638 |
| Net charge-offs to loans | -0.0099% | 4,920 |
| Credit loss provision to net charge-offs | -100.0000% | 4,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3478% | 2,633 |
| Assets per employee ($millions) | 4.9291% | 2,362 |
| Cash dividends to net income (ytd only)* | 7.2626% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 2,576 |
| Loan loss allowance to noncurrent loans | 97.1061% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 2.1824% | 967 |
| Noncurrent loans to loans | 1.4817% | 1,792 |
| Net loans and leases to total assets | 59.9554% | 3,841 |
| Net loans and leases to deposits | 74.2161% | 3,468 |
| Net loans and leases to core deposits | 81.8088% | 3,199 |
| Total domestic deposits to total assets | 80.7848% | 4,673 |
| Equity capital to assets | 9.6279% | 4,494 |
| Core capital (leverage) ratio | 9.6211% | 4,111 |
| Tier 1 risk-based capital ratio | 14.1677% | 3,833 |
| Total risk-based capital ratio | 15.4179% | 3,760 |
| Memoranda: | ||
| Average total assets | $34,718,000 | 6,023 |
| Average earning assets | $31,783,330 | 6,003 |
| Average equity | $3,278,000 | 6,096 |
| Average total loans | $20,267,670 | 5,839 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3386% | 1,973 |
| Cost of funding earning assets | 0.5408% | 1,921 |
| Net interest margin | 3.7978% | 2,242 |
| Noninterest income to average assets | 0.4020% | 3,990 |
| Noninterest expense to average assets | 2.9174% | 2,844 |
| Loan and lease loss provision to assets | 0.0115% | 3,579 |
| Net operating income to assets | 0.9763% | 2,356 |
| Return on assets (ROA) | 0.9763% | 2,492 |
| Pretax return on assets | 0.9419% | 3,732 |
| Return on Equity (ROE) | 10.4423% | 1,814 |
| Retained earnings to average equity (ytd only) | 9.7052% | 990 |
| Net charge-offs to loans | -0.0201% | 5,053 |
| Credit loss provision to net charge-offs | -100.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3709% | 2,601 |
| Assets per employee ($millions) | 5.0446% | 2,295 |
| Cash dividends to net income (ytd only)* | 7.0588% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 2,540 |
| Loan loss allowance to noncurrent loans | 96.4856% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 2.1381% | 1,078 |
| Noncurrent loans to loans | 1.5329% | 1,831 |
| Net loans and leases to total assets | 56.9693% | 4,092 |
| Net loans and leases to deposits | 65.7891% | 4,174 |
| Net loans and leases to core deposits | 70.8545% | 4,076 |
| Total domestic deposits to total assets | 86.5938% | 2,611 |
| Equity capital to assets | 9.4047% | 4,851 |
| Core capital (leverage) ratio | 9.2366% | 4,665 |
| Tier 1 risk-based capital ratio | 14.0277% | 3,986 |
| Total risk-based capital ratio | 15.2101% | 3,969 |
| Memoranda: | ||
| Average total assets | $34,825,000 | 6,079 |
| Average earning assets | $31,807,500 | 6,065 |
| Average equity | $3,256,000 | 6,161 |
| Average total loans | $19,907,000 | 5,901 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5645% | 1,650 |
| Cost of funding earning assets | 0.6151% | 1,639 |
| Net interest margin | 3.9494% | 2,055 |
| Noninterest income to average assets | 0.5662% | 3,082 |
| Noninterest expense to average assets | 3.0205% | 2,786 |
| Loan and lease loss provision to assets | 0.0175% | 4,261 |
| Net operating income to assets | 1.0419% | 2,205 |
| Return on assets (ROA) | 1.0419% | 2,278 |
| Pretax return on assets | 1.0886% | 3,128 |
| Return on Equity (ROE) | 11.4262% | 1,582 |
| Retained earnings to average equity (ytd only) | -3.9368% | 6,134 |
| Net charge-offs to loans | 0.0161% | 4,549 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 126.3333% | 422 |
| Efficiency ratio | 73.1966% | 2,987 |
| Assets per employee ($millions) | 4.9054% | 2,449 |
| Cash dividends to net income (ytd only)* | 134.4538% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 2,269 |
| Loan loss allowance to noncurrent loans | 94.3396% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 2.2133% | 1,101 |
| Noncurrent loans to loans | 1.6396% | 1,786 |
| Net loans and leases to total assets | 55.6089% | 4,379 |
| Net loans and leases to deposits | 64.2410% | 4,504 |
| Net loans and leases to core deposits | 69.1372% | 4,397 |
| Total domestic deposits to total assets | 86.5630% | 2,533 |
| Equity capital to assets | 9.2929% | 4,957 |
| Core capital (leverage) ratio | 9.0244% | 4,958 |
| Tier 1 risk-based capital ratio | 14.3801% | 3,850 |
| Total risk-based capital ratio | 15.6323% | 3,784 |
| Memoranda: | ||
| Average total assets | $34,265,600 | 6,170 |
| Average earning assets | $30,890,400 | 6,163 |
| Average equity | $3,124,400 | 6,244 |
| Average total loans | $18,595,800 | 6,014 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 1,711 |
| Cost of funding earning assets | 0.6273% | 1,619 |
| Net interest margin | 3.9193% | 2,159 |
| Noninterest income to average assets | 0.6034% | 2,847 |
| Noninterest expense to average assets | 2.9782% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1446% | 1,882 |
| Return on assets (ROA) | 1.1446% | 1,945 |
| Pretax return on assets | 1.1524% | 2,976 |
| Return on Equity (ROE) | 12.6133% | 1,318 |
| Retained earnings to average equity (ytd only) | -3.9900% | 6,206 |
| Net charge-offs to loans | -0.0072% | 5,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1018% | 3,153 |
| Assets per employee ($millions) | 5.0141% | 2,225 |
| Cash dividends to net income (ytd only)* | 131.6335% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 2,456 |
| Loan loss allowance to noncurrent loans | 75.6345% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 2.3362% | 1,163 |
| Noncurrent loans to loans | 2.0627% | 1,521 |
| Net loans and leases to total assets | 53.5713% | 4,627 |
| Net loans and leases to deposits | 61.6270% | 4,779 |
| Net loans and leases to core deposits | 67.8025% | 4,523 |
| Total domestic deposits to total assets | 86.9284% | 2,358 |
| Equity capital to assets | 9.0287% | 5,321 |
| Core capital (leverage) ratio | 9.2549% | 4,699 |
| Tier 1 risk-based capital ratio | 14.5717% | 3,841 |
| Total risk-based capital ratio | 15.8190% | 3,785 |
| Memoranda: | ||
| Average total assets | $34,247,500 | 6,246 |
| Average earning assets | $30,820,750 | 6,242 |
| Average equity | $3,107,750 | 6,321 |
| Average total loans | $18,396,000 | 6,092 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 1,626 |
| Cost of funding earning assets | 0.6392% | 1,595 |
| Net interest margin | 3.9263% | 2,059 |
| Noninterest income to average assets | 0.5064% | 3,436 |
| Noninterest expense to average assets | 3.0739% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9893% | 2,365 |
| Return on assets (ROA) | 0.9893% | 2,446 |
| Pretax return on assets | 0.9775% | 3,574 |
| Return on Equity (ROE) | 10.8832% | 1,781 |
| Retained earnings to average equity (ytd only) | -13.9279% | 6,478 |
| Net charge-offs to loans | -0.0771% | 6,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8721% | 2,661 |
| Assets per employee ($millions) | 4.8460% | 2,410 |
| Cash dividends to net income (ytd only)* | 227.9762% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6441% | 2,308 |
| Loan loss allowance to noncurrent loans | 90.7463% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 3.1690% | 790 |
| Noncurrent loans to loans | 1.8118% | 1,890 |
| Net loans and leases to total assets | 53.6112% | 4,586 |
| Net loans and leases to deposits | 61.1952% | 4,761 |
| Net loans and leases to core deposits | 67.7950% | 4,489 |
| Total domestic deposits to total assets | 87.6069% | 2,140 |
| Equity capital to assets | 8.8703% | 5,442 |
| Core capital (leverage) ratio | 8.9485% | 5,097 |
| Tier 1 risk-based capital ratio | 14.3979% | 3,992 |
| Total risk-based capital ratio | 15.6466% | 3,932 |
| Memoranda: | ||
| Average total assets | $33,963,670 | 6,311 |
| Average earning assets | $30,665,000 | 6,302 |
| Average equity | $3,087,330 | 6,374 |
| Average total loans | $18,161,000 | 6,153 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5462% | 1,660 |
| Cost of funding earning assets | 0.6643% | 1,480 |
| Net interest margin | 3.8819% | 2,150 |
| Noninterest income to average assets | 0.2943% | 5,020 |
| Noninterest expense to average assets | 2.9425% | 3,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8592% | 2,858 |
| Return on assets (ROA) | 0.8592% | 2,925 |
| Pretax return on assets | 0.8592% | 3,865 |
| Return on Equity (ROE) | 9.3395% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.0836% | 1,219 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3994% | 2,574 |
| Assets per employee ($millions) | 4.8736% | 2,408 |
| Cash dividends to net income (ytd only)* | 2.7397% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6553% | 2,492 |
| Loan loss allowance to noncurrent loans | 88.6567% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 3.2097% | 841 |
| Noncurrent loans to loans | 1.8671% | 2,041 |
| Net loans and leases to total assets | 51.7221% | 4,701 |
| Net loans and leases to deposits | 59.2154% | 4,828 |
| Net loans and leases to core deposits | 63.8179% | 4,704 |
| Total domestic deposits to total assets | 87.3457% | 2,602 |
| Equity capital to assets | 9.4357% | 4,583 |
| Core capital (leverage) ratio | 9.8308% | 3,817 |
| Tier 1 risk-based capital ratio | 16.0815% | 3,137 |
| Total risk-based capital ratio | 17.3323% | 3,088 |
| Memoranda: | ||
| Average total assets | $33,984,500 | 6,375 |
| Average earning assets | $30,707,000 | 6,364 |
| Average equity | $3,126,500 | 6,421 |
| Average total loans | $17,996,500 | 6,218 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4463% | 2,407 |
| Cost of funding earning assets | 0.6606% | 2,117 |
| Net interest margin | 3.7856% | 2,705 |
| Noninterest income to average assets | 0.2463% | 5,580 |
| Noninterest expense to average assets | 2.8850% | 3,418 |
| Loan and lease loss provision to assets | 0.2609% | 1,365 |
| Net operating income to assets | 0.5277% | 4,606 |
| Return on assets (ROA) | 0.6479% | 4,151 |
| Pretax return on assets | 0.6479% | 4,710 |
| Return on Equity (ROE) | 6.9171% | 3,607 |
| Retained earnings to average equity (ytd only) | 1.5962% | 5,084 |
| Net charge-offs to loans | 0.5149% | 1,280 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.0225% | 3,982 |
| Efficiency ratio | 78.5315% | 2,383 |
| Assets per employee ($millions) | 4.8363% | 2,393 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6453% | 2,589 |
| Loan loss allowance to noncurrent loans | 45.1368% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 4.1856% | 619 |
| Noncurrent loans to loans | 3.6452% | 829 |
| Net loans and leases to total assets | 52.4428% | 4,800 |
| Net loans and leases to deposits | 59.7275% | 4,959 |
| Net loans and leases to core deposits | 64.9093% | 4,785 |
| Total domestic deposits to total assets | 87.8035% | 2,304 |
| Equity capital to assets | 8.9620% | 5,084 |
| Core capital (leverage) ratio | 9.5384% | 4,205 |
| Tier 1 risk-based capital ratio | 15.7867% | 3,205 |
| Total risk-based capital ratio | 17.0364% | 3,163 |
| Memoranda: | ||
| Average total assets | $34,107,800 | 6,430 |
| Average earning assets | $30,879,800 | 6,430 |
| Average equity | $3,195,000 | 6,498 |
| Average total loans | $17,286,400 | 6,308 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4078% | 2,571 |
| Cost of funding earning assets | 0.6672% | 2,202 |
| Net interest margin | 3.7406% | 2,884 |
| Noninterest income to average assets | 0.2497% | 5,645 |
| Noninterest expense to average assets | 2.8015% | 3,658 |
| Loan and lease loss provision to assets | 0.4643% | 600 |
| Net operating income to assets | 0.3576% | 5,410 |
| Return on assets (ROA) | 0.5111% | 4,908 |
| Pretax return on assets | 0.5345% | 5,256 |
| Return on Equity (ROE) | 5.3987% | 4,516 |
| Retained earnings to average equity (ytd only) | 1.0302% | 5,569 |
| Net charge-offs to loans | 0.3900% | 1,644 |
| Credit loss provision to net charge-offs | 238.0000% | 1,027 |
| Earnings coverage of net charge-offs (x) | 4.2997% | 3,475 |
| Efficiency ratio | 76.9561% | 2,567 |
| Assets per employee ($millions) | 4.8381% | 2,380 |
| Cash dividends to net income (ytd only)* | 80.9172% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0819% | 1,544 |
| Loan loss allowance to noncurrent loans | 49.4609% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 3.5551% | 946 |
| Noncurrent loans to loans | 4.2092% | 819 |
| Net loans and leases to total assets | 50.9670% | 5,006 |
| Net loans and leases to deposits | 57.9617% | 5,198 |
| Net loans and leases to core deposits | 63.7761% | 4,923 |
| Total domestic deposits to total assets | 87.9322% | 2,174 |
| Equity capital to assets | 9.0501% | 5,124 |
| Core capital (leverage) ratio | 9.6024% | 4,240 |
| Tier 1 risk-based capital ratio | 16.2818% | 3,051 |
| Total risk-based capital ratio | 17.5396% | 3,007 |
| Memoranda: | ||
| Average total assets | $34,171,250 | 6,503 |
| Average earning assets | $30,974,500 | 6,490 |
| Average equity | $3,235,250 | 6,560 |
| Average total loans | $17,095,250 | 6,381 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 2,715 |
| Cost of funding earning assets | 0.6634% | 2,374 |
| Net interest margin | 3.6970% | 2,969 |
| Noninterest income to average assets | 0.2393% | 5,737 |
| Noninterest expense to average assets | 2.7661% | 3,796 |
| Loan and lease loss provision to assets | 0.2743% | 1,345 |
| Net operating income to assets | 0.5238% | 4,701 |
| Return on assets (ROA) | 0.7703% | 3,623 |
| Pretax return on assets | 0.8053% | 4,296 |
| Return on Equity (ROE) | 8.0194% | 3,088 |
| Retained earnings to average equity (ytd only) | 1.7011% | 5,163 |
| Net charge-offs to loans | 0.5556% | 1,184 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,529 |
| Efficiency ratio | 77.0732% | 2,611 |
| Assets per employee ($millions) | 4.7623% | 2,433 |
| Cash dividends to net income (ytd only)* | 78.7879% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7203% | 2,703 |
| Loan loss allowance to noncurrent loans | 48.3713% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 3.2637% | 1,212 |
| Noncurrent loans to loans | 3.5565% | 1,170 |
| Net loans and leases to total assets | 50.8969% | 5,009 |
| Net loans and leases to deposits | 59.3999% | 5,030 |
| Net loans and leases to core deposits | 65.3180% | 4,763 |
| Total domestic deposits to total assets | 85.6851% | 3,539 |
| Equity capital to assets | 9.3922% | 4,731 |
| Core capital (leverage) ratio | 9.6934% | 3,943 |
| Tier 1 risk-based capital ratio | 16.5272% | 2,931 |
| Total risk-based capital ratio | 17.7777% | 2,880 |
| Memoranda: | ||
| Average total assets | $34,272,670 | 6,544 |
| Average earning assets | $31,052,330 | 6,535 |
| Average equity | $3,292,000 | 6,602 |
| Average total loans | $16,917,670 | 6,429 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 2,740 |
| Cost of funding earning assets | 0.7503% | 1,849 |
| Net interest margin | 3.5860% | 3,316 |
| Noninterest income to average assets | 0.3915% | 4,527 |
| Noninterest expense to average assets | 2.8209% | 3,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8060% | 3,125 |
| Return on assets (ROA) | 0.8060% | 3,260 |
| Pretax return on assets | 0.8175% | 4,104 |
| Return on Equity (ROE) | 8.3024% | 2,816 |
| Retained earnings to average equity (ytd only) | -3.5582% | 6,240 |
| Net charge-offs to loans | 0.3822% | 1,497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.4375% | 2,557 |
| Efficiency ratio | 77.5316% | 2,689 |
| Assets per employee ($millions) | 4.8481% | 2,415 |
| Cash dividends to net income (ytd only)* | 142.8571% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6779% | 3,100 |
| Loan loss allowance to noncurrent loans | 35.8779% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 2.8641% | 1,574 |
| Noncurrent loans to loans | 4.6766% | 863 |
| Net loans and leases to total assets | 48.6932% | 5,154 |
| Net loans and leases to deposits | 56.5189% | 5,198 |
| Net loans and leases to core deposits | 62.0727% | 4,949 |
| Total domestic deposits to total assets | 86.1538% | 3,446 |
| Equity capital to assets | 9.8064% | 4,409 |
| Core capital (leverage) ratio | 9.2569% | 4,470 |
| Tier 1 risk-based capital ratio | 16.6929% | 2,906 |
| Total risk-based capital ratio | 17.9479% | 2,876 |
| Memoranda: | ||
| Average total assets | $34,741,000 | 6,598 |
| Average earning assets | $31,456,000 | 6,589 |
| Average equity | $3,372,500 | 6,648 |
| Average total loans | $16,744,500 | 6,497 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 2,295 |
| Cost of funding earning assets | 0.9279% | 1,770 |
| Net interest margin | 3.8481% | 3,032 |
| Noninterest income to average assets | 0.5233% | 3,755 |
| Noninterest expense to average assets | 3.0318% | 3,157 |
| Loan and lease loss provision to assets | 0.0150% | 5,717 |
| Net operating income to assets | 0.8813% | 2,909 |
| Return on assets (ROA) | 0.8813% | 3,152 |
| Pretax return on assets | 0.9565% | 3,719 |
| Return on Equity (ROE) | 8.7021% | 2,786 |
| Retained earnings to average equity (ytd only) | 5.5242% | 2,366 |
| Net charge-offs to loans | -0.0360% | 6,647 |
| Credit loss provision to net charge-offs | -83.3333% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7325% | 2,792 |
| Assets per employee ($millions) | 5.9242% | 1,339 |
| Cash dividends to net income (ytd only)* | 36.5188% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7804% | 2,652 |
| Loan loss allowance to noncurrent loans | 35.1064% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 2.6952% | 1,789 |
| Noncurrent loans to loans | 5.0713% | 777 |
| Net loans and leases to total assets | 46.0965% | 5,605 |
| Net loans and leases to deposits | 54.2173% | 5,632 |
| Net loans and leases to core deposits | 57.6226% | 5,584 |
| Total domestic deposits to total assets | 85.0218% | 3,852 |
| Equity capital to assets | 9.6132% | 4,726 |
| Core capital (leverage) ratio | 9.2075% | 4,569 |
| Tier 1 risk-based capital ratio | 16.8063% | 2,742 |
| Total risk-based capital ratio | 18.0580% | 2,706 |
| Memoranda: | ||
| Average total assets | $33,247,600 | 6,673 |
| Average earning assets | $30,066,800 | 6,661 |
| Average equity | $3,367,000 | 6,716 |
| Average total loans | $16,683,600 | 6,565 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8813% | 2,080 |
| Cost of funding earning assets | 0.9609% | 1,777 |
| Net interest margin | 3.9204% | 2,837 |
| Noninterest income to average assets | 0.5509% | 3,607 |
| Noninterest expense to average assets | 2.9136% | 3,540 |
| Loan and lease loss provision to assets | 0.0204% | 5,540 |
| Net operating income to assets | 1.0691% | 2,217 |
| Return on assets (ROA) | 1.0691% | 2,428 |
| Pretax return on assets | 1.1630% | 3,121 |
| Return on Equity (ROE) | 10.4135% | 2,170 |
| Retained earnings to average equity (ytd only) | 8.9429% | 1,251 |
| Net charge-offs to loans | -0.0400% | 6,652 |
| Credit loss provision to net charge-offs | -100.0000% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1155% | 3,486 |
| Assets per employee ($millions) | 5.6247% | 1,520 |
| Cash dividends to net income (ytd only)* | 14.1217% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7767% | 2,870 |
| Loan loss allowance to noncurrent loans | 53.0466% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 3.1172% | 1,662 |
| Noncurrent loans to loans | 3.3493% | 1,639 |
| Net loans and leases to total assets | 48.4888% | 5,493 |
| Net loans and leases to deposits | 57.7193% | 5,455 |
| Net loans and leases to core deposits | 62.2063% | 5,341 |
| Total domestic deposits to total assets | 84.0079% | 4,217 |
| Equity capital to assets | 10.2465% | 4,144 |
| Core capital (leverage) ratio | 9.5748% | 4,156 |
| Tier 1 risk-based capital ratio | 17.0883% | 2,696 |
| Total risk-based capital ratio | 18.3401% | 2,644 |
| Memoranda: | ||
| Average total assets | $32,673,250 | 6,778 |
| Average earning assets | $29,554,250 | 6,762 |
| Average equity | $3,354,500 | 6,804 |
| Average total loans | $16,684,000 | 6,651 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9698% | 1,873 |
| Cost of funding earning assets | 0.9994% | 1,765 |
| Net interest margin | 3.9703% | 2,633 |
| Noninterest income to average assets | 0.5508% | 3,578 |
| Noninterest expense to average assets | 2.8532% | 3,814 |
| Loan and lease loss provision to assets | 0.0309% | 5,281 |
| Net operating income to assets | 1.1326% | 1,940 |
| Return on assets (ROA) | 1.1326% | 2,155 |
| Pretax return on assets | 1.2564% | 2,706 |
| Return on Equity (ROE) | 11.0241% | 1,984 |
| Retained earnings to average equity (ytd only) | 9.0964% | 1,241 |
| Net charge-offs to loans | -0.0359% | 6,576 |
| Credit loss provision to net charge-offs | -166.6667% | 6,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9088% | 3,960 |
| Assets per employee ($millions) | 5.4227% | 1,684 |
| Cash dividends to net income (ytd only)* | 17.4863% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7798% | 2,926 |
| Loan loss allowance to noncurrent loans | 58.6826% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 3.1043% | 1,759 |
| Noncurrent loans to loans | 3.0329% | 1,943 |
| Net loans and leases to total assets | 49.8678% | 5,373 |
| Net loans and leases to deposits | 59.5478% | 5,288 |
| Net loans and leases to core deposits | 63.1274% | 5,288 |
| Total domestic deposits to total assets | 83.7442% | 4,423 |
| Equity capital to assets | 10.3946% | 3,819 |
| Core capital (leverage) ratio | 9.8872% | 3,595 |
| Tier 1 risk-based capital ratio | 16.7795% | 2,772 |
| Total risk-based capital ratio | 18.0328% | 2,727 |
| Memoranda: | ||
| Average total assets | $32,315,000 | 6,834 |
| Average earning assets | $29,216,670 | 6,824 |
| Average equity | $3,320,000 | 6,850 |
| Average total loans | $16,692,000 | 6,704 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 1,816 |
| Cost of funding earning assets | 1.0593% | 1,623 |
| Net interest margin | 3.9622% | 2,661 |
| Noninterest income to average assets | 0.5341% | 3,671 |
| Noninterest expense to average assets | 2.6704% | 4,541 |
| Loan and lease loss provision to assets | 0.0621% | 4,645 |
| Net operating income to assets | 1.3166% | 1,413 |
| Return on assets (ROA) | 1.3166% | 1,580 |
| Pretax return on assets | 1.3787% | 2,252 |
| Return on Equity (ROE) | 12.8915% | 1,435 |
| Retained earnings to average equity (ytd only) | 12.8915% | 700 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9547% | 4,744 |
| Assets per employee ($millions) | 5.3243% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7858% | 3,039 |
| Loan loss allowance to noncurrent loans | 51.6874% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 3.3870% | 1,702 |
| Noncurrent loans to loans | 3.4550% | 1,805 |
| Net loans and leases to total assets | 50.0970% | 5,289 |
| Net loans and leases to deposits | 59.9670% | 5,152 |
| Net loans and leases to core deposits | 63.5761% | 5,168 |
| Total domestic deposits to total assets | 83.5410% | 4,698 |
| Equity capital to assets | 10.3957% | 3,621 |
| Core capital (leverage) ratio | 9.5608% | 3,971 |
| Tier 1 risk-based capital ratio | 16.9006% | 2,718 |
| Total risk-based capital ratio | 18.2073% | 2,656 |
| Memoranda: | ||
| Average total assets | $32,204,500 | 6,889 |
| Average earning assets | $29,075,000 | 6,880 |
| Average equity | $3,289,000 | 6,900 |
| Average total loans | $16,778,500 | 6,760 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4020% | 1,418 |
| Cost of funding earning assets | 1.1986% | 2,032 |
| Net interest margin | 4.2034% | 2,043 |
| Noninterest income to average assets | 0.4922% | 3,903 |
| Noninterest expense to average assets | 3.0057% | 3,570 |
| Loan and lease loss provision to assets | 0.3591% | 2,848 |
| Net operating income to assets | 0.9258% | 2,503 |
| Return on assets (ROA) | 1.1051% | 1,929 |
| Pretax return on assets | 1.1453% | 2,672 |
| Return on Equity (ROE) | 11.5706% | 1,537 |
| Retained earnings to average equity (ytd only) | 8.9778% | 811 |
| Net charge-offs to loans | 1.0963% | 1,570 |
| Credit loss provision to net charge-offs | 57.1429% | 5,239 |
| Earnings coverage of net charge-offs (x) | 2.0985% | 4,203 |
| Efficiency ratio | 68.0744% | 4,342 |
| Assets per employee ($millions) | 5.4105% | 1,733 |
| Cash dividends to net income (ytd only)* | 22.4090% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 3,325 |
| Loan loss allowance to noncurrent loans | 53.0499% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 3.2653% | 1,822 |
| Noncurrent loans to loans | 3.1341% | 2,063 |
| Net loans and leases to total assets | 52.2903% | 5,264 |
| Net loans and leases to deposits | 62.3691% | 5,192 |
| Net loans and leases to core deposits | 66.2646% | 5,223 |
| Total domestic deposits to total assets | 83.8401% | 4,388 |
| Equity capital to assets | 10.0330% | 4,126 |
| Core capital (leverage) ratio | 9.3271% | 4,286 |
| Tier 1 risk-based capital ratio | 15.4994% | 3,323 |
| Total risk-based capital ratio | 16.7504% | 3,280 |
| Memoranda: | ||
| Average total assets | $32,305,600 | 6,910 |
| Average earning assets | $29,452,000 | 6,882 |
| Average equity | $3,085,400 | 6,990 |
| Average total loans | $18,516,400 | 6,732 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4560% | 1,377 |
| Cost of funding earning assets | 1.2250% | 2,160 |
| Net interest margin | 4.2310% | 1,984 |
| Noninterest income to average assets | 0.4917% | 3,933 |
| Noninterest expense to average assets | 2.8512% | 4,141 |
| Loan and lease loss provision to assets | 0.4793% | 2,074 |
| Net operating income to assets | 0.9940% | 2,348 |
| Return on assets (ROA) | 1.2355% | 1,659 |
| Pretax return on assets | 1.2768% | 2,372 |
| Return on Equity (ROE) | 13.1030% | 1,251 |
| Retained earnings to average equity (ytd only) | 12.5331% | 426 |
| Net charge-offs to loans | 1.3241% | 1,155 |
| Credit loss provision to net charge-offs | 62.0321% | 4,744 |
| Earnings coverage of net charge-offs (x) | 1.9518% | 4,194 |
| Efficiency ratio | 63.9810% | 5,072 |
| Assets per employee ($millions) | 5.3933% | 1,701 |
| Cash dividends to net income (ytd only)* | 4.3471% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 3,424 |
| Loan loss allowance to noncurrent loans | 32.1962% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 3.4394% | 1,836 |
| Noncurrent loans to loans | 5.1471% | 1,189 |
| Net loans and leases to total assets | 55.3832% | 4,941 |
| Net loans and leases to deposits | 64.8478% | 5,066 |
| Net loans and leases to core deposits | 68.4124% | 5,132 |
| Total domestic deposits to total assets | 85.4048% | 3,552 |
| Equity capital to assets | 10.0927% | 4,217 |
| Core capital (leverage) ratio | 9.1800% | 4,660 |
| Tier 1 risk-based capital ratio | 15.1093% | 3,604 |
| Total risk-based capital ratio | 16.3622% | 3,570 |
| Memoranda: | ||
| Average total assets | $32,266,250 | 6,974 |
| Average earning assets | $29,495,750 | 6,944 |
| Average equity | $3,042,500 | 7,059 |
| Average total loans | $18,830,000 | 6,780 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4387% | 1,452 |
| Cost of funding earning assets | 1.2551% | 2,221 |
| Net interest margin | 4.1836% | 2,105 |
| Noninterest income to average assets | 0.4902% | 3,947 |
| Noninterest expense to average assets | 2.9347% | 3,882 |
| Loan and lease loss provision to assets | 0.7197% | 1,307 |
| Net operating income to assets | 0.6484% | 3,805 |
| Return on assets (ROA) | 0.8252% | 3,071 |
| Pretax return on assets | 0.8686% | 3,762 |
| Return on Equity (ROE) | 8.9623% | 2,534 |
| Retained earnings to average equity (ytd only) | 8.2884% | 1,347 |
| Net charge-offs to loans | 1.9546% | 692 |
| Credit loss provision to net charge-offs | 62.3656% | 4,290 |
| Earnings coverage of net charge-offs (x) | 1.2151% | 4,377 |
| Efficiency ratio | 66.2375% | 4,835 |
| Assets per employee ($millions) | 5.3880% | 1,668 |
| Cash dividends to net income (ytd only)* | 7.5188% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 3,672 |
| Loan loss allowance to noncurrent loans | 32.5456% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 3.4212% | 1,929 |
| Noncurrent loans to loans | 4.9335% | 1,330 |
| Net loans and leases to total assets | 57.4363% | 4,736 |
| Net loans and leases to deposits | 66.7074% | 4,898 |
| Net loans and leases to core deposits | 71.8048% | 4,842 |
| Total domestic deposits to total assets | 86.1018% | 3,267 |
| Equity capital to assets | 9.4500% | 4,891 |
| Core capital (leverage) ratio | 8.7576% | 5,122 |
| Tier 1 risk-based capital ratio | 14.0976% | 4,098 |
| Total risk-based capital ratio | 15.3501% | 4,065 |
| Memoranda: | ||
| Average total assets | $32,235,000 | 7,037 |
| Average earning assets | $29,639,330 | 7,011 |
| Average equity | $2,968,000 | 7,138 |
| Average total loans | $19,032,000 | 6,835 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6246% | 1,014 |
| Cost of funding earning assets | 1.3084% | 2,131 |
| Net interest margin | 4.3162% | 1,513 |
| Noninterest income to average assets | 0.4971% | 3,917 |
| Noninterest expense to average assets | 3.0694% | 3,389 |
| Loan and lease loss provision to assets | 0.1243% | 4,446 |
| Net operating income to assets | 1.2501% | 1,389 |
| Return on assets (ROA) | 1.6155% | 705 |
| Pretax return on assets | 1.6528% | 1,071 |
| Return on Equity (ROE) | 17.7808% | 498 |
| Retained earnings to average equity (ytd only) | 17.0969% | 275 |
| Net charge-offs to loans | 0.9418% | 1,421 |
| Credit loss provision to net charge-offs | 22.2222% | 4,233 |
| Earnings coverage of net charge-offs (x) | 2.5111% | 3,078 |
| Efficiency ratio | 67.2222% | 4,808 |
| Assets per employee ($millions) | 5.3545% | 1,710 |
| Cash dividends to net income (ytd only)* | 3.8462% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7918% | 3,038 |
| Loan loss allowance to noncurrent loans | 35.1603% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 3.4270% | 1,985 |
| Noncurrent loans to loans | 5.0962% | 1,317 |
| Net loans and leases to total assets | 58.0042% | 4,647 |
| Net loans and leases to deposits | 67.2841% | 4,785 |
| Net loans and leases to core deposits | 72.4533% | 4,731 |
| Total domestic deposits to total assets | 86.2079% | 3,393 |
| Equity capital to assets | 9.2508% | 4,815 |
| Core capital (leverage) ratio | 8.7346% | 5,026 |
| Tier 1 risk-based capital ratio | 14.2486% | 3,909 |
| Total risk-based capital ratio | 15.5013% | 3,869 |
| Memoranda: | ||
| Average total assets | $32,188,500 | 7,094 |
| Average earning assets | $29,655,500 | 7,063 |
| Average equity | $2,924,500 | 7,189 |
| Average total loans | $19,112,500 | 6,887 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8464% | 1,158 |
| Cost of funding earning assets | 1.5954% | 2,096 |
| Net interest margin | 4.2510% | 1,990 |
| Noninterest income to average assets | 0.4616% | 4,432 |
| Noninterest expense to average assets | 2.8300% | 4,476 |
| Loan and lease loss provision to assets | 1.1417% | 1,395 |
| Net operating income to assets | 0.3340% | 4,811 |
| Return on assets (ROA) | 0.3340% | 4,970 |
| Pretax return on assets | 0.3735% | 5,020 |
| Return on Equity (ROE) | 3.7563% | 4,632 |
| Retained earnings to average equity (ytd only) | -4.4393% | 6,240 |
| Net charge-offs to loans | 1.8864% | 1,092 |
| Credit loss provision to net charge-offs | 104.7354% | 4,286 |
| Earnings coverage of net charge-offs (x) | 1.3900% | 4,720 |
| Efficiency ratio | 63.7317% | 5,397 |
| Assets per employee ($millions) | 5.3750% | 1,694 |
| Cash dividends to net income (ytd only)* | 218.1818% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9429% | 2,436 |
| Loan loss allowance to noncurrent loans | 75.4032% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 2.4744% | 2,795 |
| Noncurrent loans to loans | 2.5766% | 2,954 |
| Net loans and leases to total assets | 58.5302% | 4,952 |
| Net loans and leases to deposits | 67.4384% | 5,180 |
| Net loans and leases to core deposits | 72.6363% | 5,146 |
| Total domestic deposits to total assets | 86.7907% | 2,931 |
| Equity capital to assets | 8.9209% | 5,251 |
| Core capital (leverage) ratio | 8.3753% | 5,586 |
| Tier 1 risk-based capital ratio | 13.0256% | 4,581 |
| Total risk-based capital ratio | 14.2823% | 4,536 |
| Memoranda: | ||
| Average total assets | $32,932,400 | 7,116 |
| Average earning assets | $30,087,000 | 7,084 |
| Average equity | $2,928,400 | 7,294 |
| Average total loans | $19,030,800 | 6,977 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8304% | 1,310 |
| Cost of funding earning assets | 1.6254% | 2,246 |
| Net interest margin | 4.2050% | 2,198 |
| Noninterest income to average assets | 0.4592% | 4,489 |
| Noninterest expense to average assets | 2.8355% | 4,328 |
| Loan and lease loss provision to assets | 1.4943% | 894 |
| Net operating income to assets | -0.0886% | 6,172 |
| Return on assets (ROA) | -0.0886% | 6,262 |
| Pretax return on assets | -0.0363% | 6,146 |
| Return on Equity (ROE) | -0.9972% | 6,278 |
| Retained earnings to average equity (ytd only) | -8.7034% | 6,812 |
| Net charge-offs to loans | 2.5295% | 664 |
| Credit loss provision to net charge-offs | 103.0556% | 4,168 |
| Earnings coverage of net charge-offs (x) | 1.0055% | 5,055 |
| Efficiency ratio | 64.6341% | 5,119 |
| Assets per employee ($millions) | 5.4568% | 1,666 |
| Cash dividends to net income (ytd only)* | -772.7924% | 7,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9169% | 2,433 |
| Loan loss allowance to noncurrent loans | 64.3357% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 2.6694% | 2,705 |
| Noncurrent loans to loans | 2.9795% | 2,681 |
| Net loans and leases to total assets | 57.5120% | 5,334 |
| Net loans and leases to deposits | 67.7606% | 5,452 |
| Net loans and leases to core deposits | 73.0241% | 5,401 |
| Total domestic deposits to total assets | 84.8752% | 3,680 |
| Equity capital to assets | 9.2697% | 5,188 |
| Core capital (leverage) ratio | 8.1248% | 6,156 |
| Tier 1 risk-based capital ratio | 12.7536% | 4,773 |
| Total risk-based capital ratio | 14.0103% | 4,744 |
| Memoranda: | ||
| Average total assets | $33,103,000 | 7,202 |
| Average earning assets | $30,185,750 | 7,170 |
| Average equity | $2,941,250 | 7,387 |
| Average total loans | $18,976,000 | 7,075 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9350% | 1,097 |
| Cost of funding earning assets | 1.6740% | 2,267 |
| Net interest margin | 4.2610% | 1,920 |
| Noninterest income to average assets | 0.3371% | 5,453 |
| Noninterest expense to average assets | 3.0159% | 3,651 |
| Loan and lease loss provision to assets | 1.9143% | 646 |
| Net operating income to assets | -0.7946% | 6,861 |
| Return on assets (ROA) | -0.7946% | 6,873 |
| Pretax return on assets | -0.7164% | 6,735 |
| Return on Equity (ROE) | -9.0722% | 6,931 |
| Retained earnings to average equity (ytd only) | -20.7560% | 7,268 |
| Net charge-offs to loans | 2.5500% | 667 |
| Credit loss provision to net charge-offs | 131.9502% | 3,051 |
| Earnings coverage of net charge-offs (x) | 0.8257% | 4,948 |
| Efficiency ratio | 70.1429% | 4,167 |
| Assets per employee ($millions) | 5.3930% | 1,713 |
| Cash dividends to net income (ytd only)* | -128.7879% | 7,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2971% | 1,586 |
| Loan loss allowance to noncurrent loans | 66.3609% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 2.9544% | 2,419 |
| Noncurrent loans to loans | 3.4616% | 2,294 |
| Net loans and leases to total assets | 57.0462% | 5,558 |
| Net loans and leases to deposits | 66.7788% | 5,711 |
| Net loans and leases to core deposits | 72.1872% | 5,650 |
| Total domestic deposits to total assets | 85.4256% | 3,404 |
| Equity capital to assets | 8.7057% | 5,875 |
| Core capital (leverage) ratio | 7.6610% | 6,659 |
| Tier 1 risk-based capital ratio | 12.2073% | 5,119 |
| Total risk-based capital ratio | 13.4645% | 5,084 |
| Memoranda: | ||
| Average total assets | $33,223,670 | 7,250 |
| Average earning assets | $30,227,670 | 7,219 |
| Average equity | $2,910,000 | 7,446 |
| Average total loans | $18,902,000 | 7,134 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8367% | 1,359 |
| Cost of funding earning assets | 1.6452% | 2,678 |
| Net interest margin | 4.1914% | 2,076 |
| Noninterest income to average assets | 0.3090% | 5,672 |
| Noninterest expense to average assets | 2.6265% | 5,242 |
| Loan and lease loss provision to assets | 1.2360% | 985 |
| Net operating income to assets | 0.1070% | 6,005 |
| Return on assets (ROA) | 0.1070% | 6,111 |
| Pretax return on assets | 0.2615% | 5,711 |
| Return on Equity (ROE) | 1.2177% | 6,057 |
| Retained earnings to average equity (ytd only) | -20.4296% | 7,385 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2478% | 5,787 |
| Assets per employee ($millions) | 5.6388% | 1,550 |
| Cash dividends to net income (ytd only)* | 1,777.7778% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3763% | 1,450 |
| Loan loss allowance to noncurrent loans | 46.8909% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 3.9961% | 1,718 |
| Noncurrent loans to loans | 5.0677% | 1,419 |
| Net loans and leases to total assets | 55.8567% | 5,763 |
| Net loans and leases to deposits | 67.9003% | 5,606 |
| Net loans and leases to core deposits | 73.3561% | 5,566 |
| Total domestic deposits to total assets | 82.2629% | 4,949 |
| Equity capital to assets | 8.5952% | 5,877 |
| Core capital (leverage) ratio | 7.9982% | 6,244 |
| Tier 1 risk-based capital ratio | 12.5586% | 4,686 |
| Total risk-based capital ratio | 13.8186% | 4,645 |
| Memoranda: | ||
| Average total assets | $33,656,500 | 7,321 |
| Average earning assets | $30,634,000 | 7,297 |
| Average equity | $2,956,500 | 7,504 |
| Average total loans | $18,906,500 | 7,218 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0497% | 1,674 |
| Cost of funding earning assets | 2.3080% | 1,619 |
| Net interest margin | 3.7417% | 3,947 |
| Noninterest income to average assets | 0.4798% | 4,569 |
| Noninterest expense to average assets | 2.5326% | 6,020 |
| Loan and lease loss provision to assets | 0.3371% | 4,784 |
| Net operating income to assets | 1.2359% | 1,164 |
| Return on assets (ROA) | 1.2815% | 1,125 |
| Pretax return on assets | 1.0476% | 2,425 |
| Return on Equity (ROE) | 14.7573% | 698 |
| Retained earnings to average equity (ytd only) | 11.2603% | 269 |
| Net charge-offs to loans | 0.0055% | 7,170 |
| Credit loss provision to net charge-offs | 11,100.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 441.0000% | 68 |
| Efficiency ratio | 63.8431% | 5,805 |
| Assets per employee ($millions) | 5.5800% | 1,581 |
| Cash dividends to net income (ytd only)* | 23.6967% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 2,180 |
| Loan loss allowance to noncurrent loans | 141.6667% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 1.8638% | 3,580 |
| Noncurrent loans to loans | 1.3655% | 4,638 |
| Net loans and leases to total assets | 54.0562% | 6,194 |
| Net loans and leases to deposits | 64.7143% | 6,187 |
| Net loans and leases to core deposits | 85.4606% | 5,579 |
| Total domestic deposits to total assets | 83.5305% | 4,265 |
| Equity capital to assets | 8.9755% | 5,184 |
| Core capital (leverage) ratio | 8.7070% | 4,915 |
| Tier 1 risk-based capital ratio | 13.7141% | 3,676 |
| Total risk-based capital ratio | 15.0172% | 3,590 |
| Memoranda: | ||
| Average total assets | $32,931,200 | 7,366 |
| Average earning assets | $29,852,800 | 7,364 |
| Average equity | $2,859,600 | 7,625 |
| Average total loans | $18,127,600 | 7,307 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1390% | 1,529 |
| Cost of funding earning assets | 2.4655% | 1,395 |
| Net interest margin | 3.6735% | 4,188 |
| Noninterest income to average assets | 0.4838% | 4,634 |
| Noninterest expense to average assets | 2.5126% | 6,031 |
| Loan and lease loss provision to assets | 0.4228% | 3,787 |
| Net operating income to assets | 1.1872% | 1,499 |
| Return on assets (ROA) | 1.2482% | 1,415 |
| Pretax return on assets | 0.9351% | 3,113 |
| Return on Equity (ROE) | 14.4982% | 839 |
| Retained earnings to average equity (ytd only) | 10.2481% | 589 |
| Net charge-offs to loans | 0.0222% | 6,585 |
| Credit loss provision to net charge-offs | 3,466.6667% | 119 |
| Earnings coverage of net charge-offs (x) | 106.3300% | 343 |
| Efficiency ratio | 64.3543% | 5,680 |
| Assets per employee ($millions) | 5.3350% | 1,754 |
| Cash dividends to net income (ytd only)* | 29.3169% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8710% | 2,099 |
| Loan loss allowance to noncurrent loans | 133.8462% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 1.9713% | 3,390 |
| Noncurrent loans to loans | 1.3978% | 4,575 |
| Net loans and leases to total assets | 57.0197% | 6,027 |
| Net loans and leases to deposits | 70.4710% | 5,849 |
| Net loans and leases to core deposits | 92.9233% | 5,143 |
| Total domestic deposits to total assets | 80.9122% | 5,115 |
| Equity capital to assets | 9.3565% | 4,944 |
| Core capital (leverage) ratio | 8.5204% | 5,457 |
| Tier 1 risk-based capital ratio | 13.3069% | 3,986 |
| Total risk-based capital ratio | 14.5607% | 3,926 |
| Memoranda: | ||
| Average total assets | $32,794,000 | 7,432 |
| Average earning assets | $29,689,250 | 7,432 |
| Average equity | $2,823,250 | 7,710 |
| Average total loans | $18,045,750 | 7,376 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1808% | 1,520 |
| Cost of funding earning assets | 2.5993% | 1,283 |
| Net interest margin | 3.5815% | 4,441 |
| Noninterest income to average assets | 0.4598% | 4,780 |
| Noninterest expense to average assets | 2.4625% | 6,251 |
| Loan and lease loss provision to assets | 0.2360% | 4,703 |
| Net operating income to assets | 1.4703% | 897 |
| Return on assets (ROA) | 1.5610% | 797 |
| Pretax return on assets | 1.0951% | 2,655 |
| Return on Equity (ROE) | 18.6551% | 435 |
| Retained earnings to average equity (ytd only) | 17.2090% | 127 |
| Net charge-offs to loans | 0.0336% | 5,988 |
| Credit loss provision to net charge-offs | 1,300.0000% | 380 |
| Earnings coverage of net charge-offs (x) | 68.3333% | 541 |
| Efficiency ratio | 64.8693% | 5,747 |
| Assets per employee ($millions) | 5.3937% | 1,674 |
| Cash dividends to net income (ytd only)* | 7.7519% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 3,001 |
| Loan loss allowance to noncurrent loans | 89.5899% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 2.1260% | 3,024 |
| Noncurrent loans to loans | 1.7155% | 3,935 |
| Net loans and leases to total assets | 56.2233% | 6,182 |
| Net loans and leases to deposits | 70.1129% | 5,978 |
| Net loans and leases to core deposits | 91.8800% | 5,362 |
| Total domestic deposits to total assets | 80.1897% | 5,401 |
| Equity capital to assets | 8.7943% | 5,607 |
| Core capital (leverage) ratio | 8.1678% | 6,039 |
| Tier 1 risk-based capital ratio | 13.4795% | 3,823 |
| Total risk-based capital ratio | 14.7281% | 3,760 |
| Memoranda: | ||
| Average total assets | $33,055,330 | 7,482 |
| Average earning assets | $29,931,330 | 7,484 |
| Average equity | $2,766,000 | 7,799 |
| Average total loans | $17,861,000 | 7,445 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0588% | 2,115 |
| Cost of funding earning assets | 2.6590% | 1,379 |
| Net interest margin | 3.3998% | 5,141 |
| Noninterest income to average assets | 0.2994% | 6,040 |
| Noninterest expense to average assets | 2.2633% | 6,651 |
| Loan and lease loss provision to assets | 0.1796% | 4,652 |
| Net operating income to assets | 0.8862% | 2,752 |
| Return on assets (ROA) | 0.8862% | 2,902 |
| Pretax return on assets | 0.9341% | 3,587 |
| Return on Equity (ROE) | 10.8584% | 2,011 |
| Retained earnings to average equity (ytd only) | 9.3910% | 1,371 |
| Net charge-offs to loans | 0.0228% | 5,240 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 457 |
| Efficiency ratio | 65.2482% | 5,464 |
| Assets per employee ($millions) | 5.5637% | 1,510 |
| Cash dividends to net income (ytd only)* | 13.5135% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 3,164 |
| Loan loss allowance to noncurrent loans | 63.9706% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 2.3366% | 2,450 |
| Noncurrent loans to loans | 2.2907% | 2,866 |
| Net loans and leases to total assets | 52.5732% | 6,625 |
| Net loans and leases to deposits | 67.3007% | 6,244 |
| Net loans and leases to core deposits | 86.1900% | 5,885 |
| Total domestic deposits to total assets | 78.1169% | 5,975 |
| Equity capital to assets | 8.3039% | 6,387 |
| Core capital (leverage) ratio | 7.7096% | 6,877 |
| Tier 1 risk-based capital ratio | 12.8840% | 4,266 |
| Total risk-based capital ratio | 14.1839% | 4,155 |
| Memoranda: | ||
| Average total assets | $33,402,000 | 7,514 |
| Average earning assets | $30,237,000 | 7,505 |
| Average equity | $2,726,000 | 7,865 |
| Average total loans | $17,552,000 | 7,508 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3119% | 3,901 |
| Cost of funding earning assets | 2.9646% | 2,008 |
| Net interest margin | 3.3473% | 5,876 |
| Noninterest income to average assets | 0.3924% | 5,536 |
| Noninterest expense to average assets | 2.2423% | 6,859 |
| Loan and lease loss provision to assets | 0.0531% | 6,751 |
| Net operating income to assets | 1.1683% | 1,881 |
| Return on assets (ROA) | -0.3216% | 6,623 |
| Pretax return on assets | -0.3216% | 6,484 |
| Return on Equity (ROE) | -4.3916% | 6,794 |
| Retained earnings to average equity (ytd only) | -8.8235% | 6,955 |
| Net charge-offs to loans | 0.0168% | 6,636 |
| Credit loss provision to net charge-offs | 600.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 330 |
| Efficiency ratio | 63.0324% | 5,769 |
| Assets per employee ($millions) | 5.5703% | 1,408 |
| Cash dividends to net income (ytd only)* | -100.9174% | 8,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 3,034 |
| Loan loss allowance to noncurrent loans | 75.0760% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 2.1573% | 2,273 |
| Noncurrent loans to loans | 1.9025% | 2,896 |
| Net loans and leases to total assets | 51.0023% | 6,935 |
| Net loans and leases to deposits | 67.1393% | 6,540 |
| Net loans and leases to core deposits | 87.2230% | 6,039 |
| Total domestic deposits to total assets | 75.9649% | 6,247 |
| Equity capital to assets | 8.0187% | 6,821 |
| Core capital (leverage) ratio | 7.6483% | 7,007 |
| Tier 1 risk-based capital ratio | 12.7729% | 4,243 |
| Total risk-based capital ratio | 14.0359% | 4,154 |
| Memoranda: | ||
| Average total assets | $33,894,000 | 7,467 |
| Average earning assets | $31,099,800 | 7,456 |
| Average equity | $2,482,000 | 7,996 |
| Average total loans | $17,819,200 | 7,470 |