Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3899% | 2,324 |
| Cost of funding earning assets | 0.9163% | 4,067 |
| Net interest margin | 4.4735% | 650 |
| Noninterest income to average assets | 0.6500% | 1,175 |
| Noninterest expense to average assets | 3.4405% | 631 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 1.2910% | 1,492 |
| Return on assets (ROA) | 1.2910% | 1,490 |
| Pretax return on assets | 1.2910% | 1,995 |
| Return on Equity (ROE) | 18.9200% | 544 |
| Retained earnings to average equity (ytd only) | -8.2876% | 4,202 |
| Net charge-offs to loans | 0.0141% | 1,740 |
| Credit loss provision to net charge-offs | 700.0000% | 427 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 423 |
| Efficiency ratio | 72.0056% | 1,621 |
| Assets per employee ($millions) | 3.5241% | 4,202 |
| Cash dividends to net income (ytd only)* | 143.8144% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5453% | 207 |
| Loan loss allowance to noncurrent loans | 128.5464% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.9531% | 757 |
| Noncurrent loans to loans | 1.9800% | 433 |
| Net loans and leases to total assets | 46.9100% | 3,728 |
| Net loans and leases to deposits | 51.6257% | 3,817 |
| Net loans and leases to core deposits | 56.7127% | 3,802 |
| Total domestic deposits to total assets | 90.8700% | 559 |
| Equity capital to assets | 7.0756% | 4,008 |
| Core capital (leverage) ratio | 11.7762% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2638% | 844 |
| Memoranda: | ||
| Average total assets | $60,108,000 | 4,123 |
| Average earning assets | $55,437,500 | 4,110 |
| Average equity | $4,102,500 | 4,297 |
| Average total loans | $28,406,000 | 4,115 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2352% | 2,659 |
| Cost of funding earning assets | 1.0132% | 4,024 |
| Net interest margin | 4.2220% | 907 |
| Noninterest income to average assets | 0.6900% | 1,210 |
| Noninterest expense to average assets | 3.1910% | 881 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 1.3113% | 1,261 |
| Return on assets (ROA) | 1.3097% | 1,270 |
| Pretax return on assets | 1.3097% | 1,725 |
| Return on Equity (ROE) | 21.6100% | 307 |
| Retained earnings to average equity (ytd only) | 5.9001% | 1,866 |
| Net charge-offs to loans | 0.1125% | 1,093 |
| Credit loss provision to net charge-offs | 196.7742% | 1,147 |
| Earnings coverage of net charge-offs (x) | 27.8710% | 1,588 |
| Efficiency ratio | 69.3400% | 2,084 |
| Assets per employee ($millions) | 3.5474% | 4,210 |
| Cash dividends to net income (ytd only)* | 72.6933% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5988% | 196 |
| Loan loss allowance to noncurrent loans | 116.6934% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 1.0331% | 634 |
| Noncurrent loans to loans | 2.2271% | 345 |
| Net loans and leases to total assets | 45.1800% | 3,847 |
| Net loans and leases to deposits | 50.4089% | 3,901 |
| Net loans and leases to core deposits | 55.0878% | 3,908 |
| Total domestic deposits to total assets | 89.6300% | 934 |
| Equity capital to assets | 6.5765% | 4,083 |
| Core capital (leverage) ratio | 12.0009% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2133% | 860 |
| Memoranda: | ||
| Average total assets | $61,235,400 | 4,124 |
| Average earning assets | $56,750,800 | 4,106 |
| Average equity | $3,711,800 | 4,323 |
| Average total loans | $27,562,400 | 4,134 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2154% | 2,624 |
| Cost of funding earning assets | 1.0239% | 4,020 |
| Net interest margin | 4.1915% | 910 |
| Noninterest income to average assets | 0.7100% | 1,111 |
| Noninterest expense to average assets | 3.3144% | 719 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 1.1822% | 1,557 |
| Return on assets (ROA) | 1.1822% | 1,559 |
| Pretax return on assets | 1.1822% | 2,029 |
| Return on Equity (ROE) | 19.9200% | 437 |
| Retained earnings to average equity (ytd only) | 0.2193% | 3,918 |
| Net charge-offs to loans | 0.0777% | 1,134 |
| Credit loss provision to net charge-offs | 287.5000% | 870 |
| Earnings coverage of net charge-offs (x) | 36.9375% | 1,390 |
| Efficiency ratio | 72.1095% | 1,779 |
| Assets per employee ($millions) | 3.6051% | 4,223 |
| Cash dividends to net income (ytd only)* | 98.8991% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6508% | 194 |
| Loan loss allowance to noncurrent loans | 106.4327% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.1161% | 574 |
| Noncurrent loans to loans | 2.4906% | 281 |
| Net loans and leases to total assets | 43.6200% | 3,915 |
| Net loans and leases to deposits | 52.2433% | 3,876 |
| Net loans and leases to core deposits | 53.3793% | 3,970 |
| Total domestic deposits to total assets | 83.5000% | 2,725 |
| Equity capital to assets | 7.0619% | 4,113 |
| Core capital (leverage) ratio | 11.5597% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5734% | 988 |
| Memoranda: | ||
| Average total assets | $61,467,750 | 4,138 |
| Average earning assets | $57,034,500 | 4,121 |
| Average equity | $3,648,250 | 4,352 |
| Average total loans | $27,459,500 | 4,156 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1648% | 2,626 |
| Cost of funding earning assets | 1.0658% | 3,949 |
| Net interest margin | 4.0990% | 999 |
| Noninterest income to average assets | 0.6800% | 1,149 |
| Noninterest expense to average assets | 3.2538% | 761 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 1.1442% | 1,611 |
| Return on assets (ROA) | 1.1442% | 1,609 |
| Pretax return on assets | 1.1442% | 2,086 |
| Return on Equity (ROE) | 20.5700% | 419 |
| Retained earnings to average equity (ytd only) | -2.1042% | 4,147 |
| Net charge-offs to loans | 0.1093% | 828 |
| Credit loss provision to net charge-offs | 200.0000% | 1,008 |
| Earnings coverage of net charge-offs (x) | 25.4667% | 1,494 |
| Efficiency ratio | 72.3789% | 1,814 |
| Assets per employee ($millions) | 3.5789% | 4,250 |
| Cash dividends to net income (ytd only)* | 110.2273% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5631% | 210 |
| Loan loss allowance to noncurrent loans | 108.6890% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 1.0782% | 536 |
| Noncurrent loans to loans | 2.3582% | 286 |
| Net loans and leases to total assets | 44.5500% | 3,885 |
| Net loans and leases to deposits | 50.3212% | 3,948 |
| Net loans and leases to core deposits | 53.3773% | 3,972 |
| Total domestic deposits to total assets | 88.5300% | 1,153 |
| Equity capital to assets | 5.5307% | 4,298 |
| Core capital (leverage) ratio | 11.1863% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1762% | 1,055 |
| Memoranda: | ||
| Average total assets | $61,528,000 | 4,156 |
| Average earning assets | $57,233,333 | 4,136 |
| Average equity | $3,421,667 | 4,378 |
| Average total loans | $27,458,333 | 4,171 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0561% | 2,679 |
| Cost of funding earning assets | 1.0765% | 3,905 |
| Net interest margin | 3.9796% | 1,118 |
| Noninterest income to average assets | 0.6700% | 1,122 |
| Noninterest expense to average assets | 3.2519% | 771 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 1.0215% | 1,876 |
| Return on assets (ROA) | 1.0215% | 1,882 |
| Pretax return on assets | 1.0215% | 2,327 |
| Return on Equity (ROE) | 18.3200% | 579 |
| Retained earnings to average equity (ytd only) | -2.0870% | 3,937 |
| Net charge-offs to loans | 0.1613% | 529 |
| Credit loss provision to net charge-offs | 136.3636% | 984 |
| Earnings coverage of net charge-offs (x) | 15.7273% | 1,451 |
| Efficiency ratio | 74.4083% | 1,703 |
| Assets per employee ($millions) | 3.4295% | 4,294 |
| Cash dividends to net income (ytd only)* | 111.3924% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5019% | 196 |
| Loan loss allowance to noncurrent loans | 97.2299% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 1.1696% | 463 |
| Noncurrent loans to loans | 2.5731% | 215 |
| Net loans and leases to total assets | 44.3200% | 3,881 |
| Net loans and leases to deposits | 50.5815% | 3,897 |
| Net loans and leases to core deposits | 53.6401% | 3,986 |
| Total domestic deposits to total assets | 87.6100% | 1,569 |
| Equity capital to assets | 5.5418% | 4,296 |
| Core capital (leverage) ratio | 11.1472% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8808% | 1,107 |
| Memoranda: | ||
| Average total assets | $61,871,000 | 4,182 |
| Average earning assets | $57,594,000 | 4,158 |
| Average equity | $3,450,000 | 4,398 |
| Average total loans | $27,278,500 | 4,192 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9470% | 2,183 |
| Cost of funding earning assets | 0.8060% | 3,713 |
| Net interest margin | 4.1410% | 1,021 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 3.1498% | 880 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.3027% | 1,432 |
| Return on assets (ROA) | 1.3027% | 1,400 |
| Pretax return on assets | 1.3027% | 1,866 |
| Return on Equity (ROE) | 30.1300% | 180 |
| Retained earnings to average equity (ytd only) | 10.6608% | 862 |
| Net charge-offs to loans | 0.1448% | 706 |
| Credit loss provision to net charge-offs | 141.6667% | 1,516 |
| Earnings coverage of net charge-offs (x) | 23.5556% | 1,788 |
| Efficiency ratio | 69.4414% | 1,964 |
| Assets per employee ($millions) | 3.4451% | 4,301 |
| Cash dividends to net income (ytd only)* | 64.6173% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6342% | 167 |
| Loan loss allowance to noncurrent loans | 102.6471% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0966% | 425 |
| Noncurrent loans to loans | 2.5662% | 188 |
| Net loans and leases to total assets | 41.6100% | 3,978 |
| Net loans and leases to deposits | 47.9358% | 3,999 |
| Net loans and leases to core deposits | 50.8495% | 4,069 |
| Total domestic deposits to total assets | 86.7900% | 1,758 |
| Equity capital to assets | 5.6103% | 4,319 |
| Core capital (leverage) ratio | 11.1969% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9144% | 1,092 |
| Memoranda: | ||
| Average total assets | $61,179,000 | 4,201 |
| Average earning assets | $56,701,200 | 4,180 |
| Average equity | $2,645,200 | 4,449 |
| Average total loans | $24,857,800 | 4,214 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7095% | 1,824 |
| Cost of funding earning assets | 0.6748% | 3,140 |
| Net interest margin | 4.0347% | 1,203 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 3.2397% | 756 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.1787% | 1,995 |
| Return on assets (ROA) | 1.1787% | 1,954 |
| Pretax return on assets | 1.1787% | 2,483 |
| Return on Equity (ROE) | 26.4300% | 343 |
| Retained earnings to average equity (ytd only) | -3.6914% | 4,277 |
| Net charge-offs to loans | -0.1536% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.5664% | 1,487 |
| Assets per employee ($millions) | 3.4126% | 4,431 |
| Cash dividends to net income (ytd only)* | 113.9665% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8948% | 145 |
| Loan loss allowance to noncurrent loans | 313.4529% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 1,418 |
| Noncurrent loans to loans | 0.9235% | 813 |
| Net loans and leases to total assets | 38.1700% | 4,108 |
| Net loans and leases to deposits | 43.8395% | 4,103 |
| Net loans and leases to core deposits | 44.7489% | 4,151 |
| Total domestic deposits to total assets | 87.0700% | 2,241 |
| Equity capital to assets | 4.7341% | 4,458 |
| Core capital (leverage) ratio | 10.9085% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1766% | 1,334 |
| Memoranda: | ||
| Average total assets | $60,747,000 | 4,300 |
| Average earning assets | $56,312,000 | 4,279 |
| Average equity | $2,709,000 | 4,558 |
| Average total loans | $23,443,000 | 4,337 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 1,278 |
| Cost of funding earning assets | 0.3860% | 2,213 |
| Net interest margin | 3.7988% | 1,161 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.9591% | 1,026 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2974% | 1,439 |
| Return on assets (ROA) | 1.2974% | 1,401 |
| Pretax return on assets | 1.2974% | 2,096 |
| Return on Equity (ROE) | 19.4400% | 528 |
| Retained earnings to average equity (ytd only) | 7.3423% | 2,088 |
| Net charge-offs to loans | 0.2297% | 347 |
| Credit loss provision to net charge-offs | 61.2245% | 1,767 |
| Earnings coverage of net charge-offs (x) | 17.0408% | 1,965 |
| Efficiency ratio | 68.7383% | 1,870 |
| Assets per employee ($millions) | 3.3371% | 4,480 |
| Cash dividends to net income (ytd only)* | 62.2360% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0037% | 118 |
| Loan loss allowance to noncurrent loans | 361.3757% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 1,603 |
| Noncurrent loans to loans | 0.8312% | 896 |
| Net loans and leases to total assets | 36.7200% | 4,185 |
| Net loans and leases to deposits | 41.4221% | 4,204 |
| Net loans and leases to core deposits | 42.2853% | 4,221 |
| Total domestic deposits to total assets | 88.6500% | 1,826 |
| Equity capital to assets | 4.1787% | 4,498 |
| Core capital (leverage) ratio | 11.0614% | 1,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4131% | 1,262 |
| Memoranda: | ||
| Average total assets | $62,045,000 | 4,321 |
| Average earning assets | $57,518,600 | 4,293 |
| Average equity | $4,140,400 | 4,518 |
| Average total loans | $21,336,200 | 4,392 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 1,122 |
| Cost of funding earning assets | 0.3753% | 1,479 |
| Net interest margin | 3.6929% | 1,154 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 3.0359% | 863 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1470% | 1,904 |
| Return on assets (ROA) | 1.1470% | 1,876 |
| Pretax return on assets | 1.1470% | 2,567 |
| Return on Equity (ROE) | 15.7700% | 1,019 |
| Retained earnings to average equity (ytd only) | 2.4039% | 3,939 |
| Net charge-offs to loans | 0.1080% | 577 |
| Credit loss provision to net charge-offs | 135.2941% | 1,164 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,479 |
| Efficiency ratio | 71.7380% | 1,550 |
| Assets per employee ($millions) | 3.2809% | 4,526 |
| Cash dividends to net income (ytd only)* | 84.7584% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3344% | 96 |
| Loan loss allowance to noncurrent loans | 442.5000% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2709% | 1,868 |
| Noncurrent loans to loans | 0.7535% | 1,078 |
| Net loans and leases to total assets | 34.7600% | 4,279 |
| Net loans and leases to deposits | 37.8411% | 4,310 |
| Net loans and leases to core deposits | 38.6142% | 4,327 |
| Total domestic deposits to total assets | 91.8500% | 926 |
| Equity capital to assets | 3.5644% | 4,538 |
| Core capital (leverage) ratio | 10.5297% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3451% | 1,328 |
| Memoranda: | ||
| Average total assets | $62,539,500 | 4,346 |
| Average earning assets | $57,912,000 | 4,321 |
| Average equity | $4,548,000 | 4,518 |
| Average total loans | $20,985,500 | 4,430 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9725% | 979 |
| Cost of funding earning assets | 0.3469% | 1,295 |
| Net interest margin | 3.6256% | 1,032 |
| Noninterest income to average assets | 0.7786% | 1,102 |
| Noninterest expense to average assets | 2.9482% | 914 |
| Loan and lease loss provision to assets | 0.0471% | 1,723 |
| Net operating income to assets | 1.1303% | 1,663 |
| Return on assets (ROA) | 1.1303% | 1,642 |
| Pretax return on assets | 1.1303% | 2,303 |
| Return on Equity (ROE) | 13.4270% | 1,261 |
| Retained earnings to average equity (ytd only) | 0.5222% | 4,088 |
| Net charge-offs to loans | 0.1340% | 479 |
| Credit loss provision to net charge-offs | 107.1429% | 1,236 |
| Earnings coverage of net charge-offs (x) | 26.7857% | 1,439 |
| Efficiency ratio | 71.4612% | 1,777 |
| Assets per employee ($millions) | 3.4886% | 4,548 |
| Cash dividends to net income (ytd only)* | 96.1111% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2667% | 110 |
| Loan loss allowance to noncurrent loans | 380.0000% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 1,825 |
| Noncurrent loans to loans | 0.8597% | 989 |
| Net loans and leases to total assets | 33.1513% | 4,363 |
| Net loans and leases to deposits | 38.5507% | 4,315 |
| Net loans and leases to core deposits | 39.3419% | 4,339 |
| Total domestic deposits to total assets | 85.9939% | 3,249 |
| Equity capital to assets | 5.6741% | 4,311 |
| Core capital (leverage) ratio | 10.4270% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5992% | 1,541 |
| Memoranda: | ||
| Average total assets | $63,700,667 | 4,373 |
| Average earning assets | $58,804,000 | 4,368 |
| Average equity | $5,362,333 | 4,487 |
| Average total loans | $20,903,000 | 4,488 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6929% | 1,289 |
| Cost of funding earning assets | 0.3308% | 1,371 |
| Net interest margin | 3.3621% | 1,400 |
| Noninterest income to average assets | 0.7918% | 1,065 |
| Noninterest expense to average assets | 2.8743% | 1,006 |
| Loan and lease loss provision to assets | 0.0436% | 1,573 |
| Net operating income to assets | 0.9789% | 1,973 |
| Return on assets (ROA) | 0.9789% | 1,969 |
| Pretax return on assets | 0.9789% | 2,505 |
| Return on Equity (ROE) | 10.0287% | 1,960 |
| Retained earnings to average equity (ytd only) | -3.3855% | 4,335 |
| Net charge-offs to loans | 0.1942% | 316 |
| Credit loss provision to net charge-offs | 70.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 16.4000% | 1,336 |
| Efficiency ratio | 73.7600% | 1,770 |
| Assets per employee ($millions) | 3.5052% | 4,559 |
| Cash dividends to net income (ytd only)* | 133.7580% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4346% | 112 |
| Loan loss allowance to noncurrent loans | 347.7612% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 1,846 |
| Noncurrent loans to loans | 0.9876% | 919 |
| Net loans and leases to total assets | 31.1488% | 4,414 |
| Net loans and leases to deposits | 35.7288% | 4,392 |
| Net loans and leases to core deposits | 36.4484% | 4,416 |
| Total domestic deposits to total assets | 87.1810% | 2,862 |
| Equity capital to assets | 8.3558% | 3,280 |
| Core capital (leverage) ratio | 10.4939% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6631% | 1,591 |
| Memoranda: | ||
| Average total assets | $64,154,000 | 4,387 |
| Average earning assets | $59,248,500 | 4,390 |
| Average equity | $6,262,000 | 4,440 |
| Average total loans | $20,594,500 | 4,510 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7069% | 2,094 |
| Cost of funding earning assets | 0.3548% | 1,898 |
| Net interest margin | 3.3522% | 2,157 |
| Noninterest income to average assets | 0.8014% | 1,439 |
| Noninterest expense to average assets | 2.9002% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9998% | 2,665 |
| Return on assets (ROA) | 1.3213% | 1,588 |
| Pretax return on assets | 1.3213% | 2,289 |
| Return on Equity (ROE) | 11.3881% | 2,026 |
| Retained earnings to average equity (ytd only) | 4.5084% | 3,001 |
| Net charge-offs to loans | 0.0282% | 1,672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 104.1667% | 864 |
| Efficiency ratio | 74.3642% | 1,265 |
| Assets per employee ($millions) | 3.6230% | 4,560 |
| Cash dividends to net income (ytd only)* | 60.4116% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3690% | 106 |
| Loan loss allowance to noncurrent loans | 262.9213% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 1,597 |
| Noncurrent loans to loans | 1.2814% | 744 |
| Net loans and leases to total assets | 30.8753% | 4,488 |
| Net loans and leases to deposits | 37.0612% | 4,444 |
| Net loans and leases to core deposits | 37.7456% | 4,465 |
| Total domestic deposits to total assets | 83.3088% | 3,742 |
| Equity capital to assets | 11.1203% | 1,721 |
| Core capital (leverage) ratio | 10.6319% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9810% | 1,517 |
| Memoranda: | ||
| Average total assets | $62,513,400 | 4,420 |
| Average earning assets | $57,783,800 | 4,417 |
| Average equity | $7,253,200 | 4,399 |
| Average total loans | $21,241,400 | 4,546 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7352% | 2,185 |
| Cost of funding earning assets | 0.3640% | 1,994 |
| Net interest margin | 3.3713% | 2,234 |
| Noninterest income to average assets | 0.8150% | 1,477 |
| Noninterest expense to average assets | 3.0186% | 937 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9120% | 3,210 |
| Return on assets (ROA) | 1.3368% | 1,776 |
| Pretax return on assets | 1.3368% | 2,526 |
| Return on Equity (ROE) | 11.3965% | 2,243 |
| Retained earnings to average equity (ytd only) | 3.0329% | 3,900 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7965% | 976 |
| Assets per employee ($millions) | 3.8569% | 4,520 |
| Cash dividends to net income (ytd only)* | 73.3871% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2810% | 121 |
| Loan loss allowance to noncurrent loans | 204.6243% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 1,448 |
| Noncurrent loans to loans | 1.6034% | 639 |
| Net loans and leases to total assets | 31.8316% | 4,545 |
| Net loans and leases to deposits | 39.6636% | 4,464 |
| Net loans and leases to core deposits | 40.6311% | 4,492 |
| Total domestic deposits to total assets | 80.2538% | 4,193 |
| Equity capital to assets | 11.0833% | 1,953 |
| Core capital (leverage) ratio | 10.4470% | 2,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6165% | 1,755 |
| Memoranda: | ||
| Average total assets | $61,838,250 | 4,488 |
| Average earning assets | $57,148,250 | 4,484 |
| Average equity | $7,253,500 | 4,460 |
| Average total loans | $21,342,500 | 4,608 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7573% | 2,182 |
| Cost of funding earning assets | 0.3679% | 2,156 |
| Net interest margin | 3.3894% | 2,174 |
| Noninterest income to average assets | 0.8416% | 1,420 |
| Noninterest expense to average assets | 3.0728% | 875 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9011% | 3,214 |
| Return on assets (ROA) | 1.1783% | 2,334 |
| Pretax return on assets | 1.1783% | 2,972 |
| Return on Equity (ROE) | 9.8496% | 2,803 |
| Retained earnings to average equity (ytd only) | 1.5726% | 4,225 |
| Net charge-offs to loans | 0.0188% | 1,567 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 136.5000% | 623 |
| Efficiency ratio | 77.3256% | 963 |
| Assets per employee ($millions) | 3.7236% | 4,593 |
| Cash dividends to net income (ytd only)* | 84.0336% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3477% | 113 |
| Loan loss allowance to noncurrent loans | 220.6250% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 1,650 |
| Noncurrent loans to loans | 1.5174% | 746 |
| Net loans and leases to total assets | 32.1996% | 4,585 |
| Net loans and leases to deposits | 39.8386% | 4,527 |
| Net loans and leases to core deposits | 40.8371% | 4,560 |
| Total domestic deposits to total assets | 80.8253% | 4,111 |
| Equity capital to assets | 11.7927% | 1,463 |
| Core capital (leverage) ratio | 10.8085% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9190% | 1,661 |
| Memoranda: | ||
| Average total assets | $60,595,333 | 4,535 |
| Average earning assets | $55,998,000 | 4,524 |
| Average equity | $7,249,000 | 4,486 |
| Average total loans | $21,263,667 | 4,641 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 2,025 |
| Cost of funding earning assets | 0.3797% | 2,266 |
| Net interest margin | 3.4464% | 1,972 |
| Noninterest income to average assets | 0.8778% | 1,386 |
| Noninterest expense to average assets | 3.1667% | 750 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8980% | 3,125 |
| Return on assets (ROA) | 1.3909% | 1,673 |
| Pretax return on assets | 1.3909% | 2,306 |
| Return on Equity (ROE) | 11.5390% | 2,176 |
| Retained earnings to average equity (ytd only) | 0.7282% | 4,264 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9070% | 961 |
| Assets per employee ($millions) | 3.4872% | 4,694 |
| Cash dividends to net income (ytd only)* | 93.6893% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3263% | 114 |
| Loan loss allowance to noncurrent loans | 217.8462% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5482% | 1,727 |
| Noncurrent loans to loans | 1.5269% | 814 |
| Net loans and leases to total assets | 34.7098% | 4,561 |
| Net loans and leases to deposits | 40.5754% | 4,542 |
| Net loans and leases to core deposits | 41.3625% | 4,581 |
| Total domestic deposits to total assets | 85.5439% | 2,913 |
| Equity capital to assets | 11.9157% | 1,329 |
| Core capital (leverage) ratio | 11.1157% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7196% | 1,379 |
| Memoranda: | ||
| Average total assets | $59,242,000 | 4,564 |
| Average earning assets | $54,782,500 | 4,551 |
| Average equity | $7,141,000 | 4,515 |
| Average total loans | $21,351,000 | 4,664 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 1,989 |
| Cost of funding earning assets | 0.4201% | 3,460 |
| Net interest margin | 3.8340% | 1,409 |
| Noninterest income to average assets | 0.8900% | 1,294 |
| Noninterest expense to average assets | 3.3497% | 847 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9759% | 2,374 |
| Return on assets (ROA) | 1.2299% | 1,556 |
| Pretax return on assets | 1.2299% | 2,224 |
| Return on Equity (ROE) | 9.9878% | 2,010 |
| Retained earnings to average equity (ytd only) | 3.2501% | 3,202 |
| Net charge-offs to loans | 0.2657% | 651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 9.0508% | 2,547 |
| Efficiency ratio | 77.4398% | 1,088 |
| Assets per employee ($millions) | 3.4824% | 4,657 |
| Cash dividends to net income (ytd only)* | 67.4591% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3058% | 111 |
| Loan loss allowance to noncurrent loans | 245.8333% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 2,104 |
| Noncurrent loans to loans | 1.3447% | 1,009 |
| Net loans and leases to total assets | 34.9808% | 4,614 |
| Net loans and leases to deposits | 42.8811% | 4,559 |
| Net loans and leases to core deposits | 43.7536% | 4,611 |
| Total domestic deposits to total assets | 81.5763% | 3,749 |
| Equity capital to assets | 12.1924% | 1,480 |
| Core capital (leverage) ratio | 11.3155% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7815% | 1,316 |
| Memoranda: | ||
| Average total assets | $54,721,400 | 4,591 |
| Average earning assets | $49,035,000 | 4,599 |
| Average equity | $6,738,200 | 4,554 |
| Average total loans | $22,205,400 | 4,675 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 2,021 |
| Cost of funding earning assets | 0.4310% | 3,635 |
| Net interest margin | 3.8957% | 1,361 |
| Noninterest income to average assets | 0.9303% | 1,155 |
| Noninterest expense to average assets | 3.5744% | 640 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8408% | 2,950 |
| Return on assets (ROA) | 1.1865% | 1,810 |
| Pretax return on assets | 1.1865% | 2,437 |
| Return on Equity (ROE) | 9.6096% | 2,162 |
| Retained earnings to average equity (ytd only) | 1.5714% | 4,064 |
| Net charge-offs to loans | 0.2321% | 658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,477 |
| Efficiency ratio | 80.9577% | 799 |
| Assets per employee ($millions) | 3.3338% | 4,729 |
| Cash dividends to net income (ytd only)* | 83.6478% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3037% | 108 |
| Loan loss allowance to noncurrent loans | 187.6289% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.7111% | 1,641 |
| Noncurrent loans to loans | 1.7608% | 760 |
| Net loans and leases to total assets | 37.5968% | 4,622 |
| Net loans and leases to deposits | 47.0251% | 4,574 |
| Net loans and leases to core deposits | 48.0657% | 4,622 |
| Total domestic deposits to total assets | 79.9506% | 3,876 |
| Equity capital to assets | 12.2647% | 1,538 |
| Core capital (leverage) ratio | 11.3560% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5753% | 1,355 |
| Memoranda: | ||
| Average total assets | $53,601,500 | 4,623 |
| Average earning assets | $47,949,000 | 4,637 |
| Average equity | $6,618,250 | 4,593 |
| Average total loans | $22,402,500 | 4,701 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 2,208 |
| Cost of funding earning assets | 0.4448% | 3,820 |
| Net interest margin | 3.9560% | 1,428 |
| Noninterest income to average assets | 0.9738% | 1,029 |
| Noninterest expense to average assets | 3.6137% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8787% | 2,778 |
| Return on assets (ROA) | 1.2059% | 1,751 |
| Pretax return on assets | 1.2059% | 2,349 |
| Return on Equity (ROE) | 9.7429% | 2,070 |
| Retained earnings to average equity (ytd only) | 0.6147% | 4,182 |
| Net charge-offs to loans | 0.1865% | 816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,119 |
| Efficiency ratio | 80.4403% | 858 |
| Assets per employee ($millions) | 3.4573% | 4,685 |
| Cash dividends to net income (ytd only)* | 93.6909% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3396% | 100 |
| Loan loss allowance to noncurrent loans | 189.3401% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7394% | 1,670 |
| Noncurrent loans to loans | 1.7638% | 803 |
| Net loans and leases to total assets | 39.0339% | 4,642 |
| Net loans and leases to deposits | 46.6088% | 4,635 |
| Net loans and leases to core deposits | 47.6161% | 4,675 |
| Total domestic deposits to total assets | 83.7479% | 2,831 |
| Equity capital to assets | 11.9839% | 1,674 |
| Core capital (leverage) ratio | 11.5852% | 1,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2277% | 1,199 |
| Memoranda: | ||
| Average total assets | $52,577,000 | 4,652 |
| Average earning assets | $46,764,000 | 4,676 |
| Average equity | $6,507,333 | 4,628 |
| Average total loans | $22,524,667 | 4,721 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4823% | 2,361 |
| Cost of funding earning assets | 0.4570% | 4,128 |
| Net interest margin | 4.0253% | 1,323 |
| Noninterest income to average assets | 1.1092% | 703 |
| Noninterest expense to average assets | 3.6870% | 712 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9999% | 2,174 |
| Return on assets (ROA) | 1.0467% | 2,114 |
| Pretax return on assets | 1.0467% | 2,676 |
| Return on Equity (ROE) | 8.3146% | 2,379 |
| Retained earnings to average equity (ytd only) | -4.0332% | 4,442 |
| Net charge-offs to loans | 0.0884% | 1,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 25.6000% | 1,281 |
| Efficiency ratio | 78.6667% | 1,266 |
| Assets per employee ($millions) | 3.2695% | 4,652 |
| Cash dividends to net income (ytd only)* | 148.5075% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4298% | 103 |
| Loan loss allowance to noncurrent loans | 176.3889% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.8258% | 1,628 |
| Noncurrent loans to loans | 1.9445% | 747 |
| Net loans and leases to total assets | 41.0135% | 4,629 |
| Net loans and leases to deposits | 51.9630% | 4,520 |
| Net loans and leases to core deposits | 53.2237% | 4,593 |
| Total domestic deposits to total assets | 78.9284% | 4,065 |
| Equity capital to assets | 12.0967% | 1,997 |
| Core capital (leverage) ratio | 12.6024% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3954% | 1,082 |
| Memoranda: | ||
| Average total assets | $51,207,500 | 4,692 |
| Average earning assets | $45,512,500 | 4,711 |
| Average equity | $6,446,500 | 4,673 |
| Average total loans | $22,618,000 | 4,754 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7028% | 2,316 |
| Cost of funding earning assets | 0.4479% | 4,275 |
| Net interest margin | 4.2549% | 1,193 |
| Noninterest income to average assets | 1.0504% | 856 |
| Noninterest expense to average assets | 3.6107% | 845 |
| Loan and lease loss provision to assets | 0.0859% | 2,290 |
| Net operating income to assets | 1.1862% | 2,108 |
| Return on assets (ROA) | 1.2961% | 1,778 |
| Pretax return on assets | 1.2961% | 2,515 |
| Return on Equity (ROE) | 10.5186% | 2,079 |
| Retained earnings to average equity (ytd only) | 4.8298% | 2,515 |
| Net charge-offs to loans | 0.0561% | 2,301 |
| Credit loss provision to net charge-offs | 330.7692% | 842 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 1,144 |
| Efficiency ratio | 73.9468% | 1,608 |
| Assets per employee ($millions) | 3.1314% | 4,745 |
| Cash dividends to net income (ytd only)* | 54.0832% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3320% | 95 |
| Loan loss allowance to noncurrent loans | 166.0173% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.9221% | 1,378 |
| Noncurrent loans to loans | 2.0070% | 639 |
| Net loans and leases to total assets | 44.4125% | 4,587 |
| Net loans and leases to deposits | 54.1043% | 4,529 |
| Net loans and leases to core deposits | 55.2817% | 4,617 |
| Total domestic deposits to total assets | 82.0869% | 3,490 |
| Equity capital to assets | 13.1030% | 1,458 |
| Core capital (leverage) ratio | 12.6104% | 1,425 |
| Tier 1 risk-based capital ratio | 18.5158% | 1,627 |
| Total risk-based capital ratio | 19.7776% | 1,595 |
| Memoranda: | ||
| Average total assets | $50,073,800 | 4,746 |
| Average earning assets | $45,101,200 | 4,764 |
| Average equity | $6,170,000 | 4,737 |
| Average total loans | $23,182,200 | 4,802 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 2,551 |
| Cost of funding earning assets | 0.4420% | 4,360 |
| Net interest margin | 4.2109% | 1,354 |
| Noninterest income to average assets | 1.0413% | 856 |
| Noninterest expense to average assets | 3.7869% | 670 |
| Loan and lease loss provision to assets | 0.0852% | 2,206 |
| Net operating income to assets | 0.9747% | 3,074 |
| Return on assets (ROA) | 1.0546% | 2,851 |
| Pretax return on assets | 1.0546% | 3,433 |
| Return on Equity (ROE) | 8.6966% | 3,011 |
| Retained earnings to average equity (ytd only) | 1.9545% | 4,289 |
| Net charge-offs to loans | -0.0057% | 4,237 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1319% | 1,090 |
| Assets per employee ($millions) | 3.1883% | 4,764 |
| Cash dividends to net income (ytd only)* | 77.5242% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2403% | 109 |
| Loan loss allowance to noncurrent loans | 150.5859% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 1.0037% | 1,335 |
| Noncurrent loans to loans | 2.1518% | 611 |
| Net loans and leases to total assets | 45.1325% | 4,649 |
| Net loans and leases to deposits | 56.0238% | 4,548 |
| Net loans and leases to core deposits | 57.2626% | 4,646 |
| Total domestic deposits to total assets | 80.5595% | 3,856 |
| Equity capital to assets | 12.5853% | 1,851 |
| Core capital (leverage) ratio | 12.3747% | 1,640 |
| Tier 1 risk-based capital ratio | 17.7173% | 1,896 |
| Total risk-based capital ratio | 18.9809% | 1,847 |
| Memoranda: | ||
| Average total assets | $50,066,500 | 4,813 |
| Average earning assets | $45,246,500 | 4,832 |
| Average equity | $6,071,250 | 4,810 |
| Average total loans | $23,223,000 | 4,875 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 2,712 |
| Cost of funding earning assets | 0.4344% | 4,375 |
| Net interest margin | 4.1538% | 1,482 |
| Noninterest income to average assets | 1.0130% | 855 |
| Noninterest expense to average assets | 3.8150% | 649 |
| Loan and lease loss provision to assets | 0.0844% | 2,158 |
| Net operating income to assets | 0.8804% | 3,357 |
| Return on assets (ROA) | 0.9688% | 3,102 |
| Pretax return on assets | 0.9688% | 3,650 |
| Return on Equity (ROE) | 8.0940% | 3,253 |
| Retained earnings to average equity (ytd only) | -0.7389% | 4,796 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8150% | 980 |
| Assets per employee ($millions) | 3.2903% | 4,703 |
| Cash dividends to net income (ytd only)* | 109.1286% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3626% | 95 |
| Loan loss allowance to noncurrent loans | 147.4708% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.0414% | 1,325 |
| Noncurrent loans to loans | 2.2802% | 575 |
| Net loans and leases to total assets | 44.1374% | 4,720 |
| Net loans and leases to deposits | 51.9880% | 4,739 |
| Net loans and leases to core deposits | 53.1123% | 4,800 |
| Total domestic deposits to total assets | 84.8992% | 2,525 |
| Equity capital to assets | 12.5864% | 1,808 |
| Core capital (leverage) ratio | 12.0692% | 1,785 |
| Tier 1 risk-based capital ratio | 18.4733% | 1,676 |
| Total risk-based capital ratio | 19.7378% | 1,637 |
| Memoranda: | ||
| Average total assets | $49,751,330 | 4,852 |
| Average earning assets | $45,115,000 | 4,871 |
| Average equity | $5,955,000 | 4,855 |
| Average total loans | $23,032,670 | 4,915 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6363% | 2,425 |
| Cost of funding earning assets | 0.4415% | 4,324 |
| Net interest margin | 4.1947% | 1,315 |
| Noninterest income to average assets | 1.0411% | 739 |
| Noninterest expense to average assets | 3.7638% | 687 |
| Loan and lease loss provision to assets | 0.0881% | 1,953 |
| Net operating income to assets | 0.9930% | 2,875 |
| Return on assets (ROA) | 0.9930% | 2,909 |
| Pretax return on assets | 0.9930% | 3,460 |
| Return on Equity (ROE) | 8.5128% | 3,035 |
| Retained earnings to average equity (ytd only) | -3.4326% | 4,835 |
| Net charge-offs to loans | 0.0687% | 1,369 |
| Credit loss provision to net charge-offs | 275.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 1,256 |
| Efficiency ratio | 77.6860% | 1,306 |
| Assets per employee ($millions) | 3.0943% | 4,918 |
| Cash dividends to net income (ytd only)* | 140.3226% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2451% | 104 |
| Loan loss allowance to noncurrent loans | 144.9416% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 1.0382% | 1,341 |
| Noncurrent loans to loans | 2.2389% | 626 |
| Net loans and leases to total assets | 44.8666% | 4,706 |
| Net loans and leases to deposits | 52.4770% | 4,732 |
| Net loans and leases to core deposits | 53.5989% | 4,798 |
| Total domestic deposits to total assets | 85.4976% | 2,485 |
| Equity capital to assets | 11.9312% | 2,068 |
| Core capital (leverage) ratio | 11.8076% | 1,902 |
| Tier 1 risk-based capital ratio | 17.9554% | 1,802 |
| Total risk-based capital ratio | 19.2174% | 1,765 |
| Memoranda: | ||
| Average total assets | $49,949,500 | 4,896 |
| Average earning assets | $45,295,000 | 4,913 |
| Average equity | $5,826,500 | 4,914 |
| Average total loans | $23,278,000 | 4,966 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5845% | 2,175 |
| Cost of funding earning assets | 0.4415% | 3,729 |
| Net interest margin | 4.1429% | 1,546 |
| Noninterest income to average assets | 1.1816% | 664 |
| Noninterest expense to average assets | 3.5468% | 936 |
| Loan and lease loss provision to assets | 0.0596% | 2,972 |
| Net operating income to assets | 1.3206% | 1,717 |
| Return on assets (ROA) | 1.3047% | 1,762 |
| Pretax return on assets | 1.3047% | 2,481 |
| Return on Equity (ROE) | 11.7221% | 1,809 |
| Retained earnings to average equity (ytd only) | 3.6576% | 3,566 |
| Net charge-offs to loans | 0.2122% | 904 |
| Credit loss provision to net charge-offs | 61.2245% | 3,089 |
| Earnings coverage of net charge-offs (x) | 14.1837% | 2,394 |
| Efficiency ratio | 71.9871% | 1,901 |
| Assets per employee ($millions) | 3.1494% | 4,887 |
| Cash dividends to net income (ytd only)* | 68.7976% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1274% | 113 |
| Loan loss allowance to noncurrent loans | 163.6364% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.8950% | 1,554 |
| Noncurrent loans to loans | 1.9112% | 718 |
| Net loans and leases to total assets | 45.3661% | 4,765 |
| Net loans and leases to deposits | 52.9952% | 4,786 |
| Net loans and leases to core deposits | 54.1039% | 4,844 |
| Total domestic deposits to total assets | 85.6043% | 2,391 |
| Equity capital to assets | 11.4031% | 2,327 |
| Core capital (leverage) ratio | 11.6976% | 1,953 |
| Tier 1 risk-based capital ratio | 17.8967% | 1,784 |
| Total risk-based capital ratio | 19.1590% | 1,743 |
| Memoranda: | ||
| Average total assets | $50,354,800 | 4,926 |
| Average earning assets | $45,523,400 | 4,944 |
| Average equity | $5,604,800 | 4,953 |
| Average total loans | $23,089,400 | 4,996 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5913% | 2,002 |
| Cost of funding earning assets | 0.4539% | 3,503 |
| Net interest margin | 4.1375% | 1,528 |
| Noninterest income to average assets | 1.1600% | 699 |
| Noninterest expense to average assets | 3.7923% | 677 |
| Loan and lease loss provision to assets | 0.0609% | 2,760 |
| Net operating income to assets | 1.0487% | 2,870 |
| Return on assets (ROA) | 1.0487% | 2,881 |
| Pretax return on assets | 1.0487% | 3,580 |
| Return on Equity (ROE) | 9.4800% | 2,862 |
| Retained earnings to average equity (ytd only) | 1.3646% | 4,757 |
| Net charge-offs to loans | 0.2032% | 834 |
| Credit loss provision to net charge-offs | 65.7143% | 2,675 |
| Earnings coverage of net charge-offs (x) | 11.9702% | 2,482 |
| Efficiency ratio | 77.3636% | 1,191 |
| Assets per employee ($millions) | 3.1404% | 4,929 |
| Cash dividends to net income (ytd only)* | 85.6058% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2921% | 105 |
| Loan loss allowance to noncurrent loans | 194.0104% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 1,896 |
| Noncurrent loans to loans | 1.6969% | 919 |
| Net loans and leases to total assets | 43.5548% | 4,898 |
| Net loans and leases to deposits | 50.2099% | 4,946 |
| Net loans and leases to core deposits | 51.2673% | 4,986 |
| Total domestic deposits to total assets | 86.7455% | 1,848 |
| Equity capital to assets | 10.7389% | 2,906 |
| Core capital (leverage) ratio | 11.5179% | 2,153 |
| Tier 1 risk-based capital ratio | 18.8982% | 1,560 |
| Total risk-based capital ratio | 20.1616% | 1,529 |
| Memoranda: | ||
| Average total assets | $50,346,000 | 4,984 |
| Average earning assets | $45,533,750 | 4,994 |
| Average equity | $5,569,500 | 5,015 |
| Average total loans | $22,962,250 | 5,062 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 2,065 |
| Cost of funding earning assets | 0.4514% | 3,346 |
| Net interest margin | 4.0583% | 1,676 |
| Noninterest income to average assets | 1.1711% | 701 |
| Noninterest expense to average assets | 3.7714% | 690 |
| Loan and lease loss provision to assets | 0.0595% | 2,714 |
| Net operating income to assets | 1.0163% | 2,944 |
| Return on assets (ROA) | 1.0163% | 2,953 |
| Pretax return on assets | 1.0163% | 3,613 |
| Return on Equity (ROE) | 9.0985% | 2,973 |
| Retained earnings to average equity (ytd only) | 1.0307% | 4,745 |
| Net charge-offs to loans | 0.1734% | 895 |
| Credit loss provision to net charge-offs | 75.0000% | 2,304 |
| Earnings coverage of net charge-offs (x) | 13.5500% | 2,142 |
| Efficiency ratio | 77.8051% | 1,218 |
| Assets per employee ($millions) | 3.1139% | 5,004 |
| Cash dividends to net income (ytd only)* | 88.6719% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3251% | 102 |
| Loan loss allowance to noncurrent loans | 175.2914% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.8811% | 1,705 |
| Noncurrent loans to loans | 1.8969% | 814 |
| Net loans and leases to total assets | 43.8833% | 4,912 |
| Net loans and leases to deposits | 53.9106% | 4,851 |
| Net loans and leases to core deposits | 55.0647% | 4,898 |
| Total domestic deposits to total assets | 81.4002% | 3,892 |
| Equity capital to assets | 10.9869% | 2,650 |
| Core capital (leverage) ratio | 11.5735% | 2,008 |
| Tier 1 risk-based capital ratio | 18.6822% | 1,629 |
| Total risk-based capital ratio | 19.9467% | 1,590 |
| Memoranda: | ||
| Average total assets | $50,379,000 | 5,043 |
| Average earning assets | $45,634,330 | 5,054 |
| Average equity | $5,627,330 | 5,062 |
| Average total loans | $23,073,000 | 5,119 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 1,988 |
| Cost of funding earning assets | 0.4339% | 3,337 |
| Net interest margin | 4.0262% | 1,633 |
| Noninterest income to average assets | 1.1686% | 674 |
| Noninterest expense to average assets | 3.7349% | 722 |
| Loan and lease loss provision to assets | 0.0553% | 2,662 |
| Net operating income to assets | 1.0423% | 2,682 |
| Return on assets (ROA) | 1.0423% | 2,701 |
| Pretax return on assets | 1.0423% | 3,386 |
| Return on Equity (ROE) | 9.2567% | 2,786 |
| Retained earnings to average equity (ytd only) | -1.2623% | 4,937 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2876% | 1,424 |
| Assets per employee ($millions) | 3.1483% | 5,045 |
| Cash dividends to net income (ytd only)* | 113.6364% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2881% | 110 |
| Loan loss allowance to noncurrent loans | 222.0930% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 2,150 |
| Noncurrent loans to loans | 1.4805% | 1,194 |
| Net loans and leases to total assets | 44.6101% | 4,868 |
| Net loans and leases to deposits | 55.0288% | 4,744 |
| Net loans and leases to core deposits | 56.2000% | 4,836 |
| Total domestic deposits to total assets | 81.0669% | 4,183 |
| Equity capital to assets | 11.0677% | 2,516 |
| Core capital (leverage) ratio | 11.5268% | 1,989 |
| Tier 1 risk-based capital ratio | 18.1532% | 1,785 |
| Total risk-based capital ratio | 19.4171% | 1,741 |
| Memoranda: | ||
| Average total assets | $50,657,000 | 5,099 |
| Average earning assets | $46,098,000 | 5,098 |
| Average equity | $5,704,000 | 5,100 |
| Average total loans | $23,301,500 | 5,166 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5287% | 1,622 |
| Cost of funding earning assets | 0.4139% | 3,114 |
| Net interest margin | 4.1148% | 1,387 |
| Noninterest income to average assets | 1.1365% | 787 |
| Noninterest expense to average assets | 3.5790% | 924 |
| Loan and lease loss provision to assets | 0.0611% | 3,011 |
| Net operating income to assets | 1.1976% | 1,531 |
| Return on assets (ROA) | 1.2508% | 1,385 |
| Pretax return on assets | 1.2508% | 2,549 |
| Return on Equity (ROE) | 11.0155% | 1,477 |
| Retained earnings to average equity (ytd only) | 3.5041% | 3,182 |
| Net charge-offs to loans | 0.4292% | 569 |
| Credit loss provision to net charge-offs | 31.3131% | 3,525 |
| Earnings coverage of net charge-offs (x) | 6.4545% | 3,175 |
| Efficiency ratio | 73.9821% | 1,894 |
| Assets per employee ($millions) | 3.1839% | 5,047 |
| Cash dividends to net income (ytd only)* | 68.1890% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2395% | 108 |
| Loan loss allowance to noncurrent loans | 220.6997% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 2,136 |
| Noncurrent loans to loans | 1.4678% | 1,164 |
| Net loans and leases to total assets | 44.3858% | 4,959 |
| Net loans and leases to deposits | 55.3703% | 4,831 |
| Net loans and leases to core deposits | 56.4062% | 4,923 |
| Total domestic deposits to total assets | 80.1618% | 4,308 |
| Equity capital to assets | 11.4503% | 2,234 |
| Core capital (leverage) ratio | 11.1186% | 2,231 |
| Tier 1 risk-based capital ratio | 18.3489% | 1,695 |
| Total risk-based capital ratio | 19.6129% | 1,645 |
| Memoranda: | ||
| Average total assets | $50,767,800 | 5,144 |
| Average earning assets | $45,664,000 | 5,154 |
| Average equity | $5,764,600 | 5,140 |
| Average total loans | $23,068,800 | 5,220 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 1,536 |
| Cost of funding earning assets | 0.4190% | 2,995 |
| Net interest margin | 4.1194% | 1,337 |
| Noninterest income to average assets | 1.1828% | 735 |
| Noninterest expense to average assets | 3.7378% | 732 |
| Loan and lease loss provision to assets | 0.0605% | 2,874 |
| Net operating income to assets | 1.0803% | 2,176 |
| Return on assets (ROA) | 1.0803% | 2,232 |
| Pretax return on assets | 1.0803% | 3,381 |
| Return on Equity (ROE) | 9.5344% | 2,332 |
| Retained earnings to average equity (ytd only) | 2.8070% | 4,232 |
| Net charge-offs to loans | 0.3015% | 696 |
| Credit loss provision to net charge-offs | 44.2308% | 2,974 |
| Earnings coverage of net charge-offs (x) | 8.3463% | 2,795 |
| Efficiency ratio | 76.6164% | 1,509 |
| Assets per employee ($millions) | 3.2518% | 5,007 |
| Cash dividends to net income (ytd only)* | 70.5597% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3856% | 103 |
| Loan loss allowance to noncurrent loans | 187.2941% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 1,853 |
| Noncurrent loans to loans | 1.8077% | 989 |
| Net loans and leases to total assets | 43.6592% | 5,044 |
| Net loans and leases to deposits | 56.1003% | 4,868 |
| Net loans and leases to core deposits | 57.9213% | 4,918 |
| Total domestic deposits to total assets | 77.8235% | 4,759 |
| Equity capital to assets | 11.3112% | 2,562 |
| Core capital (leverage) ratio | 11.0910% | 2,380 |
| Tier 1 risk-based capital ratio | 18.9550% | 1,594 |
| Total risk-based capital ratio | 20.2231% | 1,554 |
| Memoranda: | ||
| Average total assets | $50,724,250 | 5,199 |
| Average earning assets | $45,507,250 | 5,219 |
| Average equity | $5,747,500 | 5,197 |
| Average total loans | $22,994,000 | 5,277 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 1,445 |
| Cost of funding earning assets | 0.4036% | 3,034 |
| Net interest margin | 4.1243% | 1,261 |
| Noninterest income to average assets | 1.1772% | 731 |
| Noninterest expense to average assets | 3.7503% | 717 |
| Loan and lease loss provision to assets | 0.0597% | 2,774 |
| Net operating income to assets | 1.0658% | 2,137 |
| Return on assets (ROA) | 1.0658% | 2,181 |
| Pretax return on assets | 1.0658% | 3,315 |
| Return on Equity (ROE) | 9.4008% | 2,314 |
| Retained earnings to average equity (ytd only) | 1.9643% | 4,468 |
| Net charge-offs to loans | 0.2191% | 931 |
| Credit loss provision to net charge-offs | 60.0000% | 2,465 |
| Earnings coverage of net charge-offs (x) | 11.3200% | 2,283 |
| Efficiency ratio | 76.9168% | 1,591 |
| Assets per employee ($millions) | 3.2008% | 5,094 |
| Cash dividends to net income (ytd only)* | 79.1045% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4553% | 100 |
| Loan loss allowance to noncurrent loans | 214.4737% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8494% | 2,084 |
| Noncurrent loans to loans | 1.6111% | 1,145 |
| Net loans and leases to total assets | 44.4661% | 5,016 |
| Net loans and leases to deposits | 55.0913% | 4,903 |
| Net loans and leases to core deposits | 57.7208% | 4,924 |
| Total domestic deposits to total assets | 80.7135% | 4,255 |
| Equity capital to assets | 11.3684% | 2,442 |
| Core capital (leverage) ratio | 11.1962% | 2,224 |
| Tier 1 risk-based capital ratio | 19.5154% | 1,472 |
| Total risk-based capital ratio | 20.7839% | 1,428 |
| Memoranda: | ||
| Average total assets | $50,289,670 | 5,244 |
| Average earning assets | $45,098,670 | 5,259 |
| Average equity | $5,701,670 | 5,238 |
| Average total loans | $22,821,670 | 5,325 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4738% | 1,440 |
| Cost of funding earning assets | 0.3961% | 3,032 |
| Net interest margin | 4.0777% | 1,275 |
| Noninterest income to average assets | 1.2122% | 701 |
| Noninterest expense to average assets | 3.6766% | 802 |
| Loan and lease loss provision to assets | 0.0642% | 2,516 |
| Net operating income to assets | 1.1078% | 1,835 |
| Return on assets (ROA) | 1.1078% | 1,875 |
| Pretax return on assets | 1.1078% | 2,949 |
| Return on Equity (ROE) | 9.7846% | 2,069 |
| Retained earnings to average equity (ytd only) | 1.4890% | 4,507 |
| Net charge-offs to loans | -0.0357% | 5,017 |
| Credit loss provision to net charge-offs | -400.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8278% | 1,933 |
| Assets per employee ($millions) | 3.1655% | 5,203 |
| Cash dividends to net income (ytd only)* | 84.7826% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6739% | 105 |
| Loan loss allowance to noncurrent loans | 170.0611% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 1,439 |
| Noncurrent loans to loans | 2.1603% | 792 |
| Net loans and leases to total assets | 43.2258% | 5,085 |
| Net loans and leases to deposits | 53.1603% | 4,983 |
| Net loans and leases to core deposits | 55.7045% | 4,992 |
| Total domestic deposits to total assets | 81.3122% | 4,341 |
| Equity capital to assets | 11.2620% | 2,373 |
| Core capital (leverage) ratio | 11.3802% | 2,039 |
| Tier 1 risk-based capital ratio | 19.7002% | 1,448 |
| Total risk-based capital ratio | 20.9711% | 1,419 |
| Memoranda: | ||
| Average total assets | $49,828,500 | 5,311 |
| Average earning assets | $44,436,500 | 5,338 |
| Average equity | $5,641,500 | 5,297 |
| Average total loans | $22,439,000 | 5,393 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4039% | 1,805 |
| Cost of funding earning assets | 0.3975% | 3,022 |
| Net interest margin | 4.0063% | 1,618 |
| Noninterest income to average assets | 1.0875% | 956 |
| Noninterest expense to average assets | 3.6774% | 908 |
| Loan and lease loss provision to assets | 0.1217% | 2,028 |
| Net operating income to assets | 0.8879% | 2,887 |
| Return on assets (ROA) | 1.0396% | 2,287 |
| Pretax return on assets | 1.0396% | 3,331 |
| Return on Equity (ROE) | 8.9267% | 2,454 |
| Retained earnings to average equity (ytd only) | 3.3068% | 3,567 |
| Net charge-offs to loans | 0.4161% | 626 |
| Credit loss provision to net charge-offs | 64.2105% | 3,189 |
| Earnings coverage of net charge-offs (x) | 5.3263% | 3,358 |
| Efficiency ratio | 78.4589% | 1,633 |
| Assets per employee ($millions) | 3.5006% | 4,759 |
| Cash dividends to net income (ytd only)* | 62.9559% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7246% | 94 |
| Loan loss allowance to noncurrent loans | 222.3720% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 1.0141% | 1,867 |
| Noncurrent loans to loans | 1.6749% | 1,151 |
| Net loans and leases to total assets | 43.5124% | 5,145 |
| Net loans and leases to deposits | 51.6369% | 5,140 |
| Net loans and leases to core deposits | 54.0996% | 5,148 |
| Total domestic deposits to total assets | 84.2662% | 3,334 |
| Equity capital to assets | 11.3836% | 2,259 |
| Core capital (leverage) ratio | 11.1863% | 2,180 |
| Tier 1 risk-based capital ratio | 21.4431% | 1,145 |
| Total risk-based capital ratio | 22.7166% | 1,127 |
| Memoranda: | ||
| Average total assets | $50,116,800 | 5,343 |
| Average earning assets | $45,028,600 | 5,354 |
| Average equity | $5,836,400 | 5,302 |
| Average total loans | $22,833,400 | 5,421 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 1,881 |
| Cost of funding earning assets | 0.3964% | 3,052 |
| Net interest margin | 3.9963% | 1,665 |
| Noninterest income to average assets | 1.1033% | 933 |
| Noninterest expense to average assets | 3.8416% | 721 |
| Loan and lease loss provision to assets | 0.1217% | 1,912 |
| Net operating income to assets | 0.7408% | 3,642 |
| Return on assets (ROA) | 0.8652% | 3,201 |
| Pretax return on assets | 0.8652% | 4,100 |
| Return on Equity (ROE) | 7.3887% | 3,359 |
| Retained earnings to average equity (ytd only) | 0.9716% | 5,096 |
| Net charge-offs to loans | 0.6723% | 292 |
| Credit loss provision to net charge-offs | 39.6552% | 3,151 |
| Earnings coverage of net charge-offs (x) | 2.8104% | 3,518 |
| Efficiency ratio | 81.6648% | 1,232 |
| Assets per employee ($millions) | 3.6195% | 4,612 |
| Cash dividends to net income (ytd only)* | 86.8506% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5039% | 114 |
| Loan loss allowance to noncurrent loans | 164.7059% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 1.0775% | 1,902 |
| Noncurrent loans to loans | 2.1274% | 894 |
| Net loans and leases to total assets | 42.6085% | 5,266 |
| Net loans and leases to deposits | 51.0076% | 5,253 |
| Net loans and leases to core deposits | 53.3757% | 5,248 |
| Total domestic deposits to total assets | 83.5336% | 3,385 |
| Equity capital to assets | 11.8485% | 2,223 |
| Core capital (leverage) ratio | 10.7477% | 2,733 |
| Tier 1 risk-based capital ratio | 21.5887% | 1,181 |
| Total risk-based capital ratio | 22.8624% | 1,162 |
| Memoranda: | ||
| Average total assets | $50,393,750 | 5,392 |
| Average earning assets | $45,408,000 | 5,405 |
| Average equity | $5,900,750 | 5,354 |
| Average total loans | $23,004,250 | 5,473 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4292% | 1,744 |
| Cost of funding earning assets | 0.3974% | 3,065 |
| Net interest margin | 4.0318% | 1,544 |
| Noninterest income to average assets | 1.1610% | 831 |
| Noninterest expense to average assets | 3.8369% | 732 |
| Loan and lease loss provision to assets | 0.1193% | 1,910 |
| Net operating income to assets | 0.8350% | 3,152 |
| Return on assets (ROA) | 0.8668% | 3,136 |
| Pretax return on assets | 0.8668% | 4,062 |
| Return on Equity (ROE) | 7.4322% | 3,301 |
| Retained earnings to average equity (ytd only) | 0.3409% | 5,199 |
| Net charge-offs to loans | 0.3446% | 681 |
| Credit loss provision to net charge-offs | 75.0000% | 2,423 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,791 |
| Efficiency ratio | 80.0830% | 1,486 |
| Assets per employee ($millions) | 3.1434% | 5,275 |
| Cash dividends to net income (ytd only)* | 95.4128% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6712% | 105 |
| Loan loss allowance to noncurrent loans | 181.8966% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 2,311 |
| Noncurrent loans to loans | 2.0183% | 986 |
| Net loans and leases to total assets | 44.0331% | 5,229 |
| Net loans and leases to deposits | 53.8400% | 5,147 |
| Net loans and leases to core deposits | 56.4143% | 5,146 |
| Total domestic deposits to total assets | 81.7851% | 4,063 |
| Equity capital to assets | 12.1824% | 1,986 |
| Core capital (leverage) ratio | 10.7938% | 2,659 |
| Tier 1 risk-based capital ratio | 21.5030% | 1,200 |
| Total risk-based capital ratio | 22.7793% | 1,178 |
| Memoranda: | ||
| Average total assets | $50,300,670 | 5,454 |
| Average earning assets | $45,290,330 | 5,472 |
| Average equity | $5,866,330 | 5,411 |
| Average total loans | $23,214,000 | 5,530 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 1,848 |
| Cost of funding earning assets | 0.3986% | 3,086 |
| Net interest margin | 3.9864% | 1,655 |
| Noninterest income to average assets | 1.1927% | 772 |
| Noninterest expense to average assets | 3.8247% | 747 |
| Loan and lease loss provision to assets | 0.1193% | 1,767 |
| Net operating income to assets | 0.8270% | 3,114 |
| Return on assets (ROA) | 0.8906% | 2,928 |
| Pretax return on assets | 0.8906% | 3,882 |
| Return on Equity (ROE) | 7.8103% | 3,026 |
| Retained earnings to average equity (ytd only) | -1.0460% | 5,282 |
| Net charge-offs to loans | 0.5144% | 423 |
| Credit loss provision to net charge-offs | 50.0000% | 2,049 |
| Earnings coverage of net charge-offs (x) | 3.9667% | 2,481 |
| Efficiency ratio | 80.1667% | 1,589 |
| Assets per employee ($millions) | 3.1815% | 5,303 |
| Cash dividends to net income (ytd only)* | 113.3929% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6467% | 112 |
| Loan loss allowance to noncurrent loans | 138.6777% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 1.1885% | 1,845 |
| Noncurrent loans to loans | 2.6296% | 688 |
| Net loans and leases to total assets | 43.5486% | 5,272 |
| Net loans and leases to deposits | 53.6937% | 5,119 |
| Net loans and leases to core deposits | 56.2497% | 5,126 |
| Total domestic deposits to total assets | 81.1056% | 4,467 |
| Equity capital to assets | 11.5237% | 2,424 |
| Core capital (leverage) ratio | 10.9417% | 2,453 |
| Tier 1 risk-based capital ratio | 21.2809% | 1,265 |
| Total risk-based capital ratio | 22.5578% | 1,238 |
| Memoranda: | ||
| Average total assets | $50,304,000 | 5,502 |
| Average earning assets | $45,154,000 | 5,520 |
| Average equity | $5,736,000 | 5,466 |
| Average total loans | $23,326,000 | 5,573 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5155% | 1,548 |
| Cost of funding earning assets | 0.4316% | 2,834 |
| Net interest margin | 4.0839% | 1,450 |
| Noninterest income to average assets | 1.3923% | 625 |
| Noninterest expense to average assets | 3.8539% | 810 |
| Loan and lease loss provision to assets | 0.1195% | 1,999 |
| Net operating income to assets | 1.1064% | 1,895 |
| Return on assets (ROA) | 1.2239% | 1,532 |
| Pretax return on assets | 1.2239% | 2,574 |
| Return on Equity (ROE) | 11.2446% | 1,533 |
| Retained earnings to average equity (ytd only) | 2.6267% | 4,199 |
| Net charge-offs to loans | 0.4960% | 538 |
| Credit loss provision to net charge-offs | 48.8000% | 3,422 |
| Earnings coverage of net charge-offs (x) | 5.0080% | 3,449 |
| Efficiency ratio | 75.8674% | 2,296 |
| Assets per employee ($millions) | 2.9238% | 5,590 |
| Cash dividends to net income (ytd only)* | 76.6400% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6118% | 118 |
| Loan loss allowance to noncurrent loans | 133.2293% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.2896% | 1,649 |
| Noncurrent loans to loans | 2.7109% | 648 |
| Net loans and leases to total assets | 45.8535% | 5,173 |
| Net loans and leases to deposits | 54.3523% | 5,145 |
| Net loans and leases to core deposits | 57.6374% | 5,126 |
| Total domestic deposits to total assets | 84.3634% | 3,347 |
| Equity capital to assets | 11.2788% | 2,559 |
| Core capital (leverage) ratio | 10.7355% | 2,676 |
| Tier 1 risk-based capital ratio | 21.4003% | 1,229 |
| Total risk-based capital ratio | 22.6808% | 1,206 |
| Memoranda: | ||
| Average total assets | $51,065,800 | 5,522 |
| Average earning assets | $46,107,600 | 5,523 |
| Average equity | $5,558,200 | 5,528 |
| Average total loans | $25,200,200 | 5,547 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 1,555 |
| Cost of funding earning assets | 0.4357% | 2,843 |
| Net interest margin | 4.0785% | 1,467 |
| Noninterest income to average assets | 1.4187% | 621 |
| Noninterest expense to average assets | 4.1706% | 549 |
| Loan and lease loss provision to assets | 0.1167% | 1,943 |
| Net operating income to assets | 0.8222% | 3,320 |
| Return on assets (ROA) | 0.9778% | 2,665 |
| Pretax return on assets | 0.9778% | 3,704 |
| Return on Equity (ROE) | 9.0629% | 2,541 |
| Retained earnings to average equity (ytd only) | -0.8415% | 5,743 |
| Net charge-offs to loans | 0.5627% | 409 |
| Credit loss provision to net charge-offs | 41.6667% | 3,144 |
| Earnings coverage of net charge-offs (x) | 3.3517% | 3,511 |
| Efficiency ratio | 81.6244% | 1,445 |
| Assets per employee ($millions) | 3.1568% | 5,356 |
| Cash dividends to net income (ytd only)* | 109.2848% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5054% | 146 |
| Loan loss allowance to noncurrent loans | 159.5149% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 1.0909% | 2,176 |
| Noncurrent loans to loans | 2.1975% | 1,000 |
| Net loans and leases to total assets | 46.5986% | 5,184 |
| Net loans and leases to deposits | 55.2449% | 5,173 |
| Net loans and leases to core deposits | 58.9727% | 5,132 |
| Total domestic deposits to total assets | 84.3490% | 3,286 |
| Equity capital to assets | 11.0280% | 2,992 |
| Core capital (leverage) ratio | 10.3073% | 3,250 |
| Tier 1 risk-based capital ratio | 20.8107% | 1,382 |
| Total risk-based capital ratio | 22.0875% | 1,346 |
| Memoranda: | ||
| Average total assets | $51,406,250 | 5,586 |
| Average earning assets | $46,518,750 | 5,584 |
| Average equity | $5,546,250 | 5,602 |
| Average total loans | $25,589,000 | 5,594 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 1,608 |
| Cost of funding earning assets | 0.4452% | 2,782 |
| Net interest margin | 4.0326% | 1,546 |
| Noninterest income to average assets | 1.3925% | 650 |
| Noninterest expense to average assets | 4.1001% | 606 |
| Loan and lease loss provision to assets | 0.1160% | 1,906 |
| Net operating income to assets | 0.8200% | 3,283 |
| Return on assets (ROA) | 1.0521% | 2,243 |
| Pretax return on assets | 1.0521% | 3,373 |
| Return on Equity (ROE) | 9.8225% | 2,148 |
| Retained earnings to average equity (ytd only) | -1.3000% | 5,739 |
| Net charge-offs to loans | 0.7542% | 297 |
| Credit loss provision to net charge-offs | 30.6122% | 2,921 |
| Earnings coverage of net charge-offs (x) | 2.4694% | 3,336 |
| Efficiency ratio | 81.4132% | 1,572 |
| Assets per employee ($millions) | 3.0171% | 5,577 |
| Cash dividends to net income (ytd only)* | 113.2353% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2910% | 195 |
| Loan loss allowance to noncurrent loans | 163.1478% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.0879% | 2,336 |
| Noncurrent loans to loans | 2.0172% | 1,205 |
| Net loans and leases to total assets | 48.6996% | 5,036 |
| Net loans and leases to deposits | 60.0924% | 4,840 |
| Net loans and leases to core deposits | 63.7503% | 4,824 |
| Total domestic deposits to total assets | 81.0411% | 4,609 |
| Equity capital to assets | 10.4309% | 3,518 |
| Core capital (leverage) ratio | 10.0874% | 3,480 |
| Tier 1 risk-based capital ratio | 19.7456% | 1,610 |
| Total risk-based capital ratio | 21.0215% | 1,562 |
| Memoranda: | ||
| Average total assets | $51,705,670 | 5,641 |
| Average earning assets | $46,719,670 | 5,643 |
| Average equity | $5,538,330 | 5,654 |
| Average total loans | $25,988,330 | 5,633 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4851% | 1,503 |
| Cost of funding earning assets | 0.4519% | 2,753 |
| Net interest margin | 4.0332% | 1,462 |
| Noninterest income to average assets | 1.3715% | 615 |
| Noninterest expense to average assets | 3.9758% | 717 |
| Loan and lease loss provision to assets | 0.1156% | 1,786 |
| Net operating income to assets | 0.9246% | 2,634 |
| Return on assets (ROA) | 1.3869% | 1,109 |
| Pretax return on assets | 1.3869% | 1,937 |
| Return on Equity (ROE) | 12.7830% | 1,143 |
| Retained earnings to average equity (ytd only) | 0.0710% | 5,351 |
| Net charge-offs to loans | 0.1074% | 1,666 |
| Credit loss provision to net charge-offs | 214.2857% | 1,001 |
| Earnings coverage of net charge-offs (x) | 19.2857% | 1,451 |
| Efficiency ratio | 79.2627% | 1,989 |
| Assets per employee ($millions) | 3.0158% | 5,642 |
| Cash dividends to net income (ytd only)* | 99.4444% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5908% | 170 |
| Loan loss allowance to noncurrent loans | 127.9006% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.4844% | 1,771 |
| Noncurrent loans to loans | 2.8075% | 819 |
| Net loans and leases to total assets | 48.4942% | 4,986 |
| Net loans and leases to deposits | 57.1790% | 4,970 |
| Net loans and leases to core deposits | 60.9467% | 4,923 |
| Total domestic deposits to total assets | 84.8112% | 3,499 |
| Equity capital to assets | 11.0205% | 2,945 |
| Core capital (leverage) ratio | 10.0598% | 3,524 |
| Tier 1 risk-based capital ratio | 19.8443% | 1,665 |
| Total risk-based capital ratio | 21.1214% | 1,618 |
| Memoranda: | ||
| Average total assets | $51,913,500 | 5,688 |
| Average earning assets | $46,910,500 | 5,681 |
| Average equity | $5,632,500 | 5,696 |
| Average total loans | $26,068,500 | 5,673 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7309% | 1,235 |
| Cost of funding earning assets | 0.5474% | 2,220 |
| Net interest margin | 4.1835% | 1,347 |
| Noninterest income to average assets | 1.5129% | 536 |
| Noninterest expense to average assets | 4.0914% | 692 |
| Loan and lease loss provision to assets | 0.3368% | 577 |
| Net operating income to assets | 0.8659% | 3,041 |
| Return on assets (ROA) | 0.8830% | 3,043 |
| Pretax return on assets | 0.8830% | 3,953 |
| Return on Equity (ROE) | 8.8954% | 2,638 |
| Retained earnings to average equity (ytd only) | 3.8917% | 3,445 |
| Net charge-offs to loans | 0.4358% | 971 |
| Credit loss provision to net charge-offs | 145.0820% | 1,645 |
| Earnings coverage of net charge-offs (x) | 5.1803% | 3,485 |
| Efficiency ratio | 77.2825% | 2,317 |
| Assets per employee ($millions) | 2.9199% | 5,802 |
| Cash dividends to net income (ytd only)* | 56.2500% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4840% | 186 |
| Loan loss allowance to noncurrent loans | 75.0613% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 2.3631% | 992 |
| Noncurrent loans to loans | 4.6415% | 347 |
| Net loans and leases to total assets | 48.3856% | 5,121 |
| Net loans and leases to deposits | 58.0563% | 5,060 |
| Net loans and leases to core deposits | 61.8458% | 5,007 |
| Total domestic deposits to total assets | 83.3425% | 3,963 |
| Equity capital to assets | 10.6832% | 3,259 |
| Core capital (leverage) ratio | 9.8872% | 3,726 |
| Tier 1 risk-based capital ratio | 19.6014% | 1,685 |
| Total risk-based capital ratio | 20.8815% | 1,637 |
| Memoranda: | ||
| Average total assets | $52,548,800 | 5,731 |
| Average earning assets | $47,496,000 | 5,735 |
| Average equity | $5,216,200 | 5,808 |
| Average total loans | $27,992,600 | 5,654 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7714% | 1,157 |
| Cost of funding earning assets | 0.5620% | 2,177 |
| Net interest margin | 4.2094% | 1,259 |
| Noninterest income to average assets | 1.5275% | 539 |
| Noninterest expense to average assets | 4.2501% | 585 |
| Loan and lease loss provision to assets | 0.3831% | 450 |
| Net operating income to assets | 0.6952% | 3,965 |
| Return on assets (ROA) | 0.7054% | 4,019 |
| Pretax return on assets | 0.7054% | 4,689 |
| Return on Equity (ROE) | 7.2444% | 3,583 |
| Retained earnings to average equity (ytd only) | 2.2672% | 4,923 |
| Net charge-offs to loans | 0.3474% | 1,157 |
| Credit loss provision to net charge-offs | 204.0541% | 1,243 |
| Earnings coverage of net charge-offs (x) | 5.7435% | 3,204 |
| Efficiency ratio | 79.7619% | 1,951 |
| Assets per employee ($millions) | 3.0475% | 5,680 |
| Cash dividends to net income (ytd only)* | 68.7045% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4333% | 242 |
| Loan loss allowance to noncurrent loans | 76.2987% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 2.4205% | 1,106 |
| Noncurrent loans to loans | 4.4998% | 438 |
| Net loans and leases to total assets | 51.0327% | 4,890 |
| Net loans and leases to deposits | 61.1759% | 4,828 |
| Net loans and leases to core deposits | 65.2235% | 4,784 |
| Total domestic deposits to total assets | 83.4195% | 3,984 |
| Equity capital to assets | 10.2918% | 3,799 |
| Core capital (leverage) ratio | 9.8504% | 3,874 |
| Tier 1 risk-based capital ratio | 19.0999% | 1,883 |
| Total risk-based capital ratio | 20.3794% | 1,838 |
| Memoranda: | ||
| Average total assets | $52,546,250 | 5,794 |
| Average earning assets | $47,448,250 | 5,804 |
| Average equity | $5,116,500 | 5,892 |
| Average total loans | $28,403,500 | 5,688 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7935% | 1,078 |
| Cost of funding earning assets | 0.5750% | 2,118 |
| Net interest margin | 4.2184% | 1,201 |
| Noninterest income to average assets | 1.4623% | 566 |
| Noninterest expense to average assets | 4.1824% | 613 |
| Loan and lease loss provision to assets | 0.4584% | 344 |
| Net operating income to assets | 0.6289% | 4,202 |
| Return on assets (ROA) | 0.6402% | 4,255 |
| Pretax return on assets | 0.6402% | 4,818 |
| Return on Equity (ROE) | 6.7001% | 3,780 |
| Retained earnings to average equity (ytd only) | 2.8149% | 4,411 |
| Net charge-offs to loans | 0.4244% | 961 |
| Credit loss provision to net charge-offs | 198.3607% | 1,184 |
| Earnings coverage of net charge-offs (x) | 4.7049% | 3,059 |
| Efficiency ratio | 79.3674% | 2,114 |
| Assets per employee ($millions) | 2.9327% | 5,853 |
| Cash dividends to net income (ytd only)* | 57.9882% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2897% | 278 |
| Loan loss allowance to noncurrent loans | 130.7365% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.3772% | 2,371 |
| Noncurrent loans to loans | 2.5163% | 1,235 |
| Net loans and leases to total assets | 51.4018% | 4,808 |
| Net loans and leases to deposits | 62.0660% | 4,688 |
| Net loans and leases to core deposits | 66.1176% | 4,630 |
| Total domestic deposits to total assets | 82.8181% | 4,376 |
| Equity capital to assets | 10.1008% | 3,967 |
| Core capital (leverage) ratio | 9.7577% | 3,950 |
| Tier 1 risk-based capital ratio | 18.1358% | 2,191 |
| Total risk-based capital ratio | 19.4112% | 2,154 |
| Memoranda: | ||
| Average total assets | $52,792,330 | 5,838 |
| Average earning assets | $47,648,330 | 5,845 |
| Average equity | $5,044,670 | 5,946 |
| Average total loans | $28,745,000 | 5,712 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8169% | 1,013 |
| Cost of funding earning assets | 0.5854% | 2,111 |
| Net interest margin | 4.2315% | 1,139 |
| Noninterest income to average assets | 1.4547% | 556 |
| Noninterest expense to average assets | 4.1671% | 630 |
| Loan and lease loss provision to assets | 0.4546% | 346 |
| Net operating income to assets | 0.6667% | 3,860 |
| Return on assets (ROA) | 0.6667% | 3,947 |
| Pretax return on assets | 0.6667% | 4,609 |
| Return on Equity (ROE) | 7.1822% | 3,366 |
| Retained earnings to average equity (ytd only) | 4.5705% | 3,380 |
| Net charge-offs to loans | 0.1788% | 1,648 |
| Credit loss provision to net charge-offs | 461.5385% | 580 |
| Earnings coverage of net charge-offs (x) | 11.3846% | 1,784 |
| Efficiency ratio | 78.7966% | 2,358 |
| Assets per employee ($millions) | 3.0928% | 5,706 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2151% | 352 |
| Loan loss allowance to noncurrent loans | 107.6923% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.7707% | 1,986 |
| Noncurrent loans to loans | 2.9854% | 1,058 |
| Net loans and leases to total assets | 52.1026% | 4,660 |
| Net loans and leases to deposits | 61.6926% | 4,585 |
| Net loans and leases to core deposits | 65.6474% | 4,531 |
| Total domestic deposits to total assets | 84.4552% | 4,099 |
| Equity capital to assets | 9.5726% | 4,400 |
| Core capital (leverage) ratio | 9.5801% | 4,160 |
| Tier 1 risk-based capital ratio | 17.9522% | 2,318 |
| Total risk-based capital ratio | 19.2255% | 2,286 |
| Memoranda: | ||
| Average total assets | $52,794,500 | 5,889 |
| Average earning assets | $47,831,500 | 5,893 |
| Average equity | $4,901,000 | 6,020 |
| Average total loans | $29,089,000 | 5,744 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8582% | 1,180 |
| Cost of funding earning assets | 0.6940% | 1,864 |
| Net interest margin | 4.1641% | 1,463 |
| Noninterest income to average assets | 1.6603% | 523 |
| Noninterest expense to average assets | 3.8887% | 1,006 |
| Loan and lease loss provision to assets | 0.8568% | 236 |
| Net operating income to assets | 0.6895% | 3,841 |
| Return on assets (ROA) | 0.7502% | 3,645 |
| Pretax return on assets | 0.7373% | 4,391 |
| Return on Equity (ROE) | 7.6999% | 3,195 |
| Retained earnings to average equity (ytd only) | -1.6041% | 6,137 |
| Net charge-offs to loans | 0.6551% | 992 |
| Credit loss provision to net charge-offs | 234.1709% | 980 |
| Earnings coverage of net charge-offs (x) | 4.1910% | 3,643 |
| Efficiency ratio | 71.7192% | 3,528 |
| Assets per employee ($millions) | 3.3133% | 5,259 |
| Cash dividends to net income (ytd only)* | 120.8333% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8888% | 530 |
| Loan loss allowance to noncurrent loans | 88.4221% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 2.0052% | 1,791 |
| Noncurrent loans to loans | 3.2671% | 1,019 |
| Net loans and leases to total assets | 54.7253% | 4,496 |
| Net loans and leases to deposits | 66.8425% | 4,197 |
| Net loans and leases to core deposits | 71.2276% | 4,163 |
| Total domestic deposits to total assets | 81.8720% | 4,917 |
| Equity capital to assets | 8.9961% | 5,039 |
| Core capital (leverage) ratio | 9.4338% | 4,365 |
| Tier 1 risk-based capital ratio | 16.8604% | 2,675 |
| Total risk-based capital ratio | 18.1296% | 2,628 |
| Memoranda: | ||
| Average total assets | $54,388,600 | 5,909 |
| Average earning assets | $49,133,800 | 5,919 |
| Average equity | $5,298,800 | 5,989 |
| Average total loans | $30,377,600 | 5,746 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8059% | 1,334 |
| Cost of funding earning assets | 0.7136% | 1,860 |
| Net interest margin | 4.0923% | 1,657 |
| Noninterest income to average assets | 1.7223% | 517 |
| Noninterest expense to average assets | 3.8757% | 994 |
| Loan and lease loss provision to assets | 0.3459% | 938 |
| Net operating income to assets | 1.2058% | 1,611 |
| Return on assets (ROA) | 1.2862% | 1,449 |
| Pretax return on assets | 1.2692% | 2,450 |
| Return on Equity (ROE) | 12.9617% | 1,246 |
| Retained earnings to average equity (ytd only) | 4.3206% | 3,602 |
| Net charge-offs to loans | 0.6119% | 1,018 |
| Credit loss provision to net charge-offs | 101.4286% | 2,308 |
| Earnings coverage of net charge-offs (x) | 4.5001% | 3,425 |
| Efficiency ratio | 71.6344% | 3,473 |
| Assets per employee ($millions) | 3.5712% | 4,711 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9795% | 1,772 |
| Loan loss allowance to noncurrent loans | 86.6667% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.4561% | 2,765 |
| Noncurrent loans to loans | 2.2840% | 1,919 |
| Net loans and leases to total assets | 55.2793% | 4,419 |
| Net loans and leases to deposits | 66.8473% | 4,196 |
| Net loans and leases to core deposits | 71.1314% | 4,197 |
| Total domestic deposits to total assets | 82.6949% | 4,687 |
| Equity capital to assets | 9.7148% | 4,287 |
| Core capital (leverage) ratio | 9.8269% | 3,920 |
| Tier 1 risk-based capital ratio | 17.6473% | 2,460 |
| Total risk-based capital ratio | 18.9071% | 2,424 |
| Memoranda: | ||
| Average total assets | $54,732,750 | 5,969 |
| Average earning assets | $49,326,750 | 5,976 |
| Average equity | $5,431,250 | 6,025 |
| Average total loans | $30,503,500 | 5,790 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7076% | 1,542 |
| Cost of funding earning assets | 0.7416% | 1,759 |
| Net interest margin | 3.9660% | 1,983 |
| Noninterest income to average assets | 1.6691% | 587 |
| Noninterest expense to average assets | 3.7300% | 1,201 |
| Loan and lease loss provision to assets | 0.3846% | 830 |
| Net operating income to assets | 1.1248% | 1,839 |
| Return on assets (ROA) | 1.2445% | 1,566 |
| Pretax return on assets | 1.2445% | 2,499 |
| Return on Equity (ROE) | 12.4569% | 1,369 |
| Retained earnings to average equity (ytd only) | 3.7044% | 3,949 |
| Net charge-offs to loans | 0.5163% | 1,272 |
| Credit loss provision to net charge-offs | 134.1772% | 1,690 |
| Earnings coverage of net charge-offs (x) | 5.2658% | 2,931 |
| Efficiency ratio | 71.1911% | 3,615 |
| Assets per employee ($millions) | 3.5751% | 4,690 |
| Cash dividends to net income (ytd only)* | 70.2624% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0569% | 1,726 |
| Loan loss allowance to noncurrent loans | 82.0817% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.8498% | 2,344 |
| Noncurrent loans to loans | 2.5059% | 1,847 |
| Net loans and leases to total assets | 55.3202% | 4,395 |
| Net loans and leases to deposits | 67.1450% | 4,127 |
| Net loans and leases to core deposits | 71.4551% | 4,116 |
| Total domestic deposits to total assets | 82.3891% | 4,916 |
| Equity capital to assets | 9.5495% | 4,519 |
| Core capital (leverage) ratio | 9.6796% | 3,969 |
| Tier 1 risk-based capital ratio | 16.9857% | 2,724 |
| Total risk-based capital ratio | 18.2443% | 2,687 |
| Memoranda: | ||
| Average total assets | $55,121,000 | 5,996 |
| Average earning assets | $49,622,000 | 6,008 |
| Average equity | $5,507,000 | 6,040 |
| Average total loans | $30,601,330 | 5,816 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6503% | 1,672 |
| Cost of funding earning assets | 0.7565% | 1,796 |
| Net interest margin | 3.8938% | 2,142 |
| Noninterest income to average assets | 1.5823% | 617 |
| Noninterest expense to average assets | 3.6443% | 1,349 |
| Loan and lease loss provision to assets | 0.4296% | 696 |
| Net operating income to assets | 1.0095% | 2,184 |
| Return on assets (ROA) | 1.2458% | 1,510 |
| Pretax return on assets | 1.2458% | 2,416 |
| Return on Equity (ROE) | 12.2105% | 1,363 |
| Retained earnings to average equity (ytd only) | 4.0702% | 3,779 |
| Net charge-offs to loans | 0.8063% | 754 |
| Credit loss provision to net charge-offs | 96.7742% | 1,916 |
| Earnings coverage of net charge-offs (x) | 3.2419% | 2,812 |
| Efficiency ratio | 71.6901% | 3,674 |
| Assets per employee ($millions) | 3.9563% | 4,051 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9624% | 2,142 |
| Loan loss allowance to noncurrent loans | 95.4984% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.5455% | 2,948 |
| Noncurrent loans to loans | 2.0549% | 2,558 |
| Net loans and leases to total assets | 53.5766% | 4,479 |
| Net loans and leases to deposits | 63.8666% | 4,332 |
| Net loans and leases to core deposits | 67.7465% | 4,338 |
| Total domestic deposits to total assets | 83.8882% | 4,524 |
| Equity capital to assets | 10.2152% | 3,890 |
| Core capital (leverage) ratio | 9.3512% | 4,323 |
| Tier 1 risk-based capital ratio | 16.7441% | 2,887 |
| Total risk-based capital ratio | 18.0018% | 2,851 |
| Memoranda: | ||
| Average total assets | $55,868,500 | 6,024 |
| Average earning assets | $50,233,500 | 6,044 |
| Average equity | $5,700,000 | 6,047 |
| Average total loans | $30,757,500 | 5,855 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9832% | 1,608 |
| Cost of funding earning assets | 0.9502% | 1,646 |
| Net interest margin | 4.0330% | 2,260 |
| Noninterest income to average assets | 1.7273% | 546 |
| Noninterest expense to average assets | 3.6505% | 1,502 |
| Loan and lease loss provision to assets | 0.5518% | 1,038 |
| Net operating income to assets | 1.1485% | 1,773 |
| Return on assets (ROA) | 1.3193% | 1,387 |
| Pretax return on assets | 1.3193% | 2,326 |
| Return on Equity (ROE) | 13.0814% | 1,207 |
| Retained earnings to average equity (ytd only) | 2.7446% | 4,308 |
| Net charge-offs to loans | 0.5580% | 2,069 |
| Credit loss provision to net charge-offs | 175.4286% | 1,498 |
| Earnings coverage of net charge-offs (x) | 5.4057% | 3,049 |
| Efficiency ratio | 68.2230% | 4,103 |
| Assets per employee ($millions) | 3.7566% | 4,454 |
| Cash dividends to net income (ytd only)* | 79.0191% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9074% | 2,275 |
| Loan loss allowance to noncurrent loans | 49.5840% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 2.3053% | 2,133 |
| Noncurrent loans to loans | 3.8469% | 1,258 |
| Net loans and leases to total assets | 54.3932% | 4,569 |
| Net loans and leases to deposits | 66.1601% | 4,257 |
| Net loans and leases to core deposits | 70.6254% | 4,215 |
| Total domestic deposits to total assets | 82.2144% | 5,026 |
| Equity capital to assets | 10.1901% | 3,902 |
| Core capital (leverage) ratio | 9.1074% | 4,728 |
| Tier 1 risk-based capital ratio | 16.2411% | 3,030 |
| Total risk-based capital ratio | 17.5004% | 2,982 |
| Memoranda: | ||
| Average total assets | $55,635,600 | 6,032 |
| Average earning assets | $49,987,600 | 6,053 |
| Average equity | $5,611,000 | 6,122 |
| Average total loans | $31,360,200 | 5,880 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0695% | 1,498 |
| Cost of funding earning assets | 0.9860% | 1,645 |
| Net interest margin | 4.0835% | 2,151 |
| Noninterest income to average assets | 1.7671% | 504 |
| Noninterest expense to average assets | 3.7818% | 1,241 |
| Loan and lease loss provision to assets | 0.5914% | 947 |
| Net operating income to assets | 1.0578% | 2,260 |
| Return on assets (ROA) | 1.2863% | 1,618 |
| Pretax return on assets | 1.2863% | 2,656 |
| Return on Equity (ROE) | 12.7875% | 1,388 |
| Retained earnings to average equity (ytd only) | 0.5019% | 5,937 |
| Net charge-offs to loans | 0.3653% | 2,642 |
| Credit loss provision to net charge-offs | 286.0465% | 942 |
| Earnings coverage of net charge-offs (x) | 7.9770% | 2,518 |
| Efficiency ratio | 69.6326% | 3,763 |
| Assets per employee ($millions) | 3.7283% | 4,479 |
| Cash dividends to net income (ytd only)* | 96.0747% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9764% | 2,238 |
| Loan loss allowance to noncurrent loans | 94.5455% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.3161% | 3,660 |
| Noncurrent loans to loans | 2.0904% | 2,751 |
| Net loans and leases to total assets | 55.3412% | 4,546 |
| Net loans and leases to deposits | 67.4505% | 4,265 |
| Net loans and leases to core deposits | 71.5418% | 4,315 |
| Total domestic deposits to total assets | 82.0471% | 5,004 |
| Equity capital to assets | 10.1745% | 4,239 |
| Core capital (leverage) ratio | 9.0668% | 4,968 |
| Tier 1 risk-based capital ratio | 15.7248% | 3,411 |
| Total risk-based capital ratio | 16.9827% | 3,374 |
| Memoranda: | ||
| Average total assets | $55,457,250 | 6,111 |
| Average earning assets | $49,760,500 | 6,125 |
| Average equity | $5,578,250 | 6,198 |
| Average total loans | $31,388,750 | 5,957 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1326% | 1,417 |
| Cost of funding earning assets | 1.0104% | 1,702 |
| Net interest margin | 4.1222% | 2,002 |
| Noninterest income to average assets | 1.8083% | 472 |
| Noninterest expense to average assets | 3.8082% | 1,204 |
| Loan and lease loss provision to assets | 0.6654% | 854 |
| Net operating income to assets | 1.0379% | 2,310 |
| Return on assets (ROA) | 1.3815% | 1,378 |
| Pretax return on assets | 1.3815% | 2,278 |
| Return on Equity (ROE) | 13.7881% | 1,170 |
| Retained earnings to average equity (ytd only) | -0.9746% | 6,209 |
| Net charge-offs to loans | 0.3511% | 2,614 |
| Credit loss provision to net charge-offs | 334.5455% | 880 |
| Earnings coverage of net charge-offs (x) | 8.5636% | 2,273 |
| Efficiency ratio | 69.0945% | 3,919 |
| Assets per employee ($millions) | 3.4819% | 5,019 |
| Cash dividends to net income (ytd only)* | 107.0681% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8894% | 2,589 |
| Loan loss allowance to noncurrent loans | 131.7778% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.9693% | 4,434 |
| Noncurrent loans to loans | 1.4338% | 3,767 |
| Net loans and leases to total assets | 55.2710% | 4,581 |
| Net loans and leases to deposits | 67.1537% | 4,336 |
| Net loans and leases to core deposits | 71.1263% | 4,399 |
| Total domestic deposits to total assets | 82.3051% | 5,017 |
| Equity capital to assets | 9.9208% | 4,457 |
| Core capital (leverage) ratio | 8.9571% | 4,973 |
| Tier 1 risk-based capital ratio | 15.3469% | 3,543 |
| Total risk-based capital ratio | 16.6052% | 3,496 |
| Memoranda: | ||
| Average total assets | $55,301,670 | 6,154 |
| Average earning assets | $49,682,670 | 6,167 |
| Average equity | $5,541,000 | 6,232 |
| Average total loans | $31,327,330 | 6,002 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 1,318 |
| Cost of funding earning assets | 1.0368% | 1,764 |
| Net interest margin | 4.1634% | 1,877 |
| Noninterest income to average assets | 1.7496% | 499 |
| Noninterest expense to average assets | 3.8695% | 1,104 |
| Loan and lease loss provision to assets | 0.4429% | 1,407 |
| Net operating income to assets | 1.1688% | 1,831 |
| Return on assets (ROA) | 1.4012% | 1,370 |
| Pretax return on assets | 1.4012% | 2,183 |
| Return on Equity (ROE) | 13.9149% | 1,205 |
| Retained earnings to average equity (ytd only) | 2.5234% | 4,994 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5960% | 3,702 |
| Assets per employee ($millions) | 3.7152% | 4,622 |
| Cash dividends to net income (ytd only)* | 81.8653% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6882% | 3,390 |
| Loan loss allowance to noncurrent loans | 114.6288% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.9851% | 4,535 |
| Noncurrent loans to loans | 1.4728% | 3,912 |
| Net loans and leases to total assets | 54.8611% | 4,580 |
| Net loans and leases to deposits | 66.5643% | 4,295 |
| Net loans and leases to core deposits | 70.1119% | 4,402 |
| Total domestic deposits to total assets | 82.4182% | 5,154 |
| Equity capital to assets | 9.9376% | 4,206 |
| Core capital (leverage) ratio | 9.1316% | 4,634 |
| Tier 1 risk-based capital ratio | 15.5271% | 3,432 |
| Total risk-based capital ratio | 16.7812% | 3,403 |
| Memoranda: | ||
| Average total assets | $55,097,000 | 6,204 |
| Average earning assets | $49,382,500 | 6,224 |
| Average equity | $5,548,000 | 6,260 |
| Average total loans | $31,298,500 | 6,048 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5087% | 1,154 |
| Cost of funding earning assets | 1.2632% | 1,664 |
| Net interest margin | 4.2455% | 1,904 |
| Noninterest income to average assets | 1.8547% | 425 |
| Noninterest expense to average assets | 3.6198% | 1,702 |
| Loan and lease loss provision to assets | 0.5231% | 2,005 |
| Net operating income to assets | 1.5109% | 806 |
| Return on assets (ROA) | 1.5127% | 869 |
| Pretax return on assets | 1.5127% | 1,433 |
| Return on Equity (ROE) | 16.5274% | 531 |
| Retained earnings to average equity (ytd only) | 8.7933% | 858 |
| Net charge-offs to loans | 1.1138% | 1,544 |
| Credit loss provision to net charge-offs | 82.1839% | 4,358 |
| Earnings coverage of net charge-offs (x) | 3.1954% | 3,618 |
| Efficiency ratio | 64.0246% | 5,122 |
| Assets per employee ($millions) | 3.6311% | 4,704 |
| Cash dividends to net income (ytd only)* | 46.7956% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 4,133 |
| Loan loss allowance to noncurrent loans | 83.6036% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.5918% | 3,560 |
| Noncurrent loans to loans | 1.7620% | 3,518 |
| Net loans and leases to total assets | 56.9805% | 4,546 |
| Net loans and leases to deposits | 69.4902% | 4,195 |
| Net loans and leases to core deposits | 72.2399% | 4,489 |
| Total domestic deposits to total assets | 81.9979% | 5,126 |
| Equity capital to assets | 10.2045% | 3,899 |
| Core capital (leverage) ratio | 9.1135% | 4,594 |
| Tier 1 risk-based capital ratio | 15.6204% | 3,255 |
| Total risk-based capital ratio | 16.8722% | 3,212 |
| Memoranda: | ||
| Average total assets | $54,671,200 | 6,209 |
| Average earning assets | $48,922,600 | 6,229 |
| Average equity | $5,003,800 | 6,448 |
| Average total loans | $31,244,400 | 6,108 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5558% | 1,124 |
| Cost of funding earning assets | 1.3074% | 1,661 |
| Net interest margin | 4.2484% | 1,915 |
| Noninterest income to average assets | 1.8883% | 419 |
| Noninterest expense to average assets | 3.7668% | 1,364 |
| Loan and lease loss provision to assets | 0.4727% | 2,099 |
| Net operating income to assets | 1.4570% | 1,034 |
| Return on assets (ROA) | 1.4595% | 1,103 |
| Pretax return on assets | 1.4595% | 1,759 |
| Return on Equity (ROE) | 16.4154% | 622 |
| Retained earnings to average equity (ytd only) | 8.0843% | 1,480 |
| Net charge-offs to loans | 1.3726% | 1,103 |
| Credit loss provision to net charge-offs | 60.4361% | 4,802 |
| Earnings coverage of net charge-offs (x) | 2.4673% | 3,894 |
| Efficiency ratio | 66.1249% | 4,694 |
| Assets per employee ($millions) | 3.9187% | 4,035 |
| Cash dividends to net income (ytd only)* | 50.7506% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 5,232 |
| Loan loss allowance to noncurrent loans | 74.0260% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.5767% | 3,726 |
| Noncurrent loans to loans | 1.6928% | 3,768 |
| Net loans and leases to total assets | 57.3092% | 4,622 |
| Net loans and leases to deposits | 69.7294% | 4,340 |
| Net loans and leases to core deposits | 72.4530% | 4,657 |
| Total domestic deposits to total assets | 82.1880% | 5,018 |
| Equity capital to assets | 9.7955% | 4,629 |
| Core capital (leverage) ratio | 8.8068% | 5,257 |
| Tier 1 risk-based capital ratio | 14.9922% | 3,663 |
| Total risk-based capital ratio | 16.2426% | 3,634 |
| Memoranda: | ||
| Average total assets | $54,722,500 | 6,252 |
| Average earning assets | $49,052,750 | 6,286 |
| Average equity | $4,865,250 | 6,540 |
| Average total loans | $31,180,750 | 6,175 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5891% | 1,091 |
| Cost of funding earning assets | 1.3502% | 1,650 |
| Net interest margin | 4.2389% | 1,880 |
| Noninterest income to average assets | 1.7924% | 424 |
| Noninterest expense to average assets | 3.7530% | 1,443 |
| Loan and lease loss provision to assets | 0.4865% | 2,027 |
| Net operating income to assets | 1.3425% | 1,207 |
| Return on assets (ROA) | 1.3461% | 1,278 |
| Pretax return on assets | 1.3461% | 1,975 |
| Return on Equity (ROE) | 15.6740% | 702 |
| Retained earnings to average equity (ytd only) | 5.5370% | 2,673 |
| Net charge-offs to loans | 1.8087% | 770 |
| Credit loss provision to net charge-offs | 47.5000% | 4,649 |
| Earnings coverage of net charge-offs (x) | 1.7857% | 3,975 |
| Efficiency ratio | 67.2346% | 4,659 |
| Assets per employee ($millions) | 3.6642% | 4,529 |
| Cash dividends to net income (ytd only)* | 64.6739% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 5,438 |
| Loan loss allowance to noncurrent loans | 83.1140% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.5520% | 3,868 |
| Noncurrent loans to loans | 1.4743% | 4,214 |
| Net loans and leases to total assets | 55.5847% | 5,053 |
| Net loans and leases to deposits | 67.0434% | 4,846 |
| Net loans and leases to core deposits | 69.6256% | 5,113 |
| Total domestic deposits to total assets | 82.9085% | 4,790 |
| Equity capital to assets | 8.9915% | 5,587 |
| Core capital (leverage) ratio | 8.4143% | 5,688 |
| Tier 1 risk-based capital ratio | 14.4534% | 3,823 |
| Total risk-based capital ratio | 15.6423% | 3,844 |
| Memoranda: | ||
| Average total assets | $54,676,000 | 6,308 |
| Average earning assets | $48,881,000 | 6,343 |
| Average equity | $4,695,670 | 6,628 |
| Average total loans | $30,961,000 | 6,242 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4423% | 1,446 |
| Cost of funding earning assets | 1.3976% | 1,625 |
| Net interest margin | 4.0447% | 2,493 |
| Noninterest income to average assets | 1.9218% | 379 |
| Noninterest expense to average assets | 3.7042% | 1,524 |
| Loan and lease loss provision to assets | 0.6382% | 1,352 |
| Net operating income to assets | 1.1883% | 1,553 |
| Return on assets (ROA) | 1.1883% | 1,601 |
| Pretax return on assets | 1.1883% | 2,424 |
| Return on Equity (ROE) | 14.1717% | 959 |
| Retained earnings to average equity (ytd only) | 3.4992% | 4,083 |
| Net charge-offs to loans | 0.3099% | 2,806 |
| Credit loss provision to net charge-offs | 362.5000% | 902 |
| Earnings coverage of net charge-offs (x) | 10.3750% | 1,640 |
| Efficiency ratio | 66.9761% | 4,854 |
| Assets per employee ($millions) | 3.6884% | 4,569 |
| Cash dividends to net income (ytd only)* | 75.3086% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9168% | 2,638 |
| Loan loss allowance to noncurrent loans | 106.8966% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 2.0714% | 3,235 |
| Noncurrent loans to loans | 1.7931% | 3,836 |
| Net loans and leases to total assets | 54.4771% | 5,232 |
| Net loans and leases to deposits | 65.1127% | 5,109 |
| Net loans and leases to core deposits | 67.5664% | 5,343 |
| Total domestic deposits to total assets | 83.6659% | 4,635 |
| Equity capital to assets | 8.3415% | 6,118 |
| Core capital (leverage) ratio | 8.2748% | 5,858 |
| Tier 1 risk-based capital ratio | 14.0495% | 4,041 |
| Total risk-based capital ratio | 15.3074% | 4,014 |
| Memoranda: | ||
| Average total assets | $54,532,500 | 6,357 |
| Average earning assets | $48,656,000 | 6,392 |
| Average equity | $4,572,500 | 6,690 |
| Average total loans | $30,976,500 | 6,290 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9610% | 923 |
| Cost of funding earning assets | 1.5491% | 2,354 |
| Net interest margin | 4.4119% | 1,437 |
| Noninterest income to average assets | 1.4223% | 712 |
| Noninterest expense to average assets | 3.6753% | 1,762 |
| Loan and lease loss provision to assets | 0.5840% | 2,801 |
| Net operating income to assets | 1.1171% | 1,650 |
| Return on assets (ROA) | 1.4675% | 884 |
| Pretax return on assets | 1.4675% | 1,461 |
| Return on Equity (ROE) | 16.9017% | 488 |
| Retained earnings to average equity (ytd only) | 8.7221% | 778 |
| Net charge-offs to loans | 0.7408% | 2,806 |
| Credit loss provision to net charge-offs | 133.0472% | 2,949 |
| Earnings coverage of net charge-offs (x) | 3.8755% | 3,152 |
| Efficiency ratio | 68.3602% | 4,490 |
| Assets per employee ($millions) | 3.5826% | 4,746 |
| Cash dividends to net income (ytd only)* | 48.3954% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 3,270 |
| Loan loss allowance to noncurrent loans | 136.9792% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 1.7045% | 3,741 |
| Noncurrent loans to loans | 1.2298% | 4,672 |
| Net loans and leases to total assets | 57.1242% | 5,162 |
| Net loans and leases to deposits | 68.5453% | 5,029 |
| Net loans and leases to core deposits | 71.1986% | 5,307 |
| Total domestic deposits to total assets | 83.3380% | 4,668 |
| Equity capital to assets | 8.4296% | 5,950 |
| Core capital (leverage) ratio | 8.5905% | 5,211 |
| Tier 1 risk-based capital ratio | 14.0744% | 3,824 |
| Total risk-based capital ratio | 15.3305% | 3,788 |
| Memoranda: | ||
| Average total assets | $53,084,200 | 6,428 |
| Average earning assets | $47,575,600 | 6,450 |
| Average equity | $4,609,000 | 6,784 |
| Average total loans | $31,452,600 | 6,340 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0005% | 936 |
| Cost of funding earning assets | 1.5820% | 2,492 |
| Net interest margin | 4.4185% | 1,470 |
| Noninterest income to average assets | 1.4865% | 614 |
| Noninterest expense to average assets | 3.8522% | 1,275 |
| Loan and lease loss provision to assets | 0.4409% | 3,270 |
| Net operating income to assets | 1.1690% | 1,676 |
| Return on assets (ROA) | 1.3781% | 1,233 |
| Pretax return on assets | 1.3781% | 1,943 |
| Return on Equity (ROE) | 15.7563% | 740 |
| Retained earnings to average equity (ytd only) | 6.7979% | 1,944 |
| Net charge-offs to loans | 0.3131% | 4,086 |
| Credit loss provision to net charge-offs | 236.4865% | 1,427 |
| Earnings coverage of net charge-offs (x) | 8.6355% | 2,134 |
| Efficiency ratio | 70.5258% | 3,965 |
| Assets per employee ($millions) | 3.5140% | 4,945 |
| Cash dividends to net income (ytd only)* | 56.8557% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7198% | 3,095 |
| Loan loss allowance to noncurrent loans | 72.6552% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.7720% | 3,786 |
| Noncurrent loans to loans | 2.3671% | 3,272 |
| Net loans and leases to total assets | 59.6282% | 4,976 |
| Net loans and leases to deposits | 73.6669% | 4,568 |
| Net loans and leases to core deposits | 76.1792% | 5,034 |
| Total domestic deposits to total assets | 80.9429% | 5,395 |
| Equity capital to assets | 9.3322% | 5,083 |
| Core capital (leverage) ratio | 8.2386% | 5,978 |
| Tier 1 risk-based capital ratio | 13.5339% | 4,177 |
| Total risk-based capital ratio | 14.7907% | 4,123 |
| Memoranda: | ||
| Average total assets | $52,920,500 | 6,510 |
| Average earning assets | $47,617,250 | 6,525 |
| Average equity | $4,628,750 | 6,865 |
| Average total loans | $31,509,750 | 6,416 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9285% | 1,113 |
| Cost of funding earning assets | 1.6035% | 2,634 |
| Net interest margin | 4.3250% | 1,688 |
| Noninterest income to average assets | 1.3474% | 695 |
| Noninterest expense to average assets | 3.8913% | 1,200 |
| Loan and lease loss provision to assets | 0.5246% | 2,691 |
| Net operating income to assets | 0.8303% | 2,821 |
| Return on assets (ROA) | 1.1436% | 1,782 |
| Pretax return on assets | 1.1436% | 2,614 |
| Return on Equity (ROE) | 13.3716% | 1,165 |
| Retained earnings to average equity (ytd only) | 4.1483% | 3,430 |
| Net charge-offs to loans | 0.2424% | 4,145 |
| Credit loss provision to net charge-offs | 365.7895% | 997 |
| Earnings coverage of net charge-offs (x) | 9.4474% | 2,019 |
| Efficiency ratio | 74.1727% | 3,444 |
| Assets per employee ($millions) | 3.3172% | 5,396 |
| Cash dividends to net income (ytd only)* | 68.9769% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7399% | 2,936 |
| Loan loss allowance to noncurrent loans | 77.4648% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.6806% | 3,919 |
| Noncurrent loans to loans | 2.2461% | 3,432 |
| Net loans and leases to total assets | 58.5228% | 5,328 |
| Net loans and leases to deposits | 71.6219% | 5,054 |
| Net loans and leases to core deposits | 75.0229% | 5,315 |
| Total domestic deposits to total assets | 81.7108% | 5,109 |
| Equity capital to assets | 8.7499% | 5,817 |
| Core capital (leverage) ratio | 7.9719% | 6,303 |
| Tier 1 risk-based capital ratio | 13.0173% | 4,421 |
| Total risk-based capital ratio | 14.2725% | 4,371 |
| Memoranda: | ||
| Average total assets | $52,990,670 | 6,552 |
| Average earning assets | $47,769,330 | 6,556 |
| Average equity | $4,532,000 | 6,927 |
| Average total loans | $31,353,000 | 6,465 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9092% | 1,185 |
| Cost of funding earning assets | 1.6070% | 2,921 |
| Net interest margin | 4.3022% | 1,684 |
| Noninterest income to average assets | 1.3069% | 705 |
| Noninterest expense to average assets | 3.8604% | 1,231 |
| Loan and lease loss provision to assets | 0.2266% | 4,226 |
| Net operating income to assets | 1.1030% | 1,822 |
| Return on assets (ROA) | 1.1030% | 1,907 |
| Pretax return on assets | 1.1030% | 2,721 |
| Return on Equity (ROE) | 13.0474% | 1,244 |
| Retained earnings to average equity (ytd only) | 7.1492% | 2,070 |
| Net charge-offs to loans | 0.1922% | 3,769 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 11.7333% | 1,624 |
| Efficiency ratio | 74.3814% | 3,516 |
| Assets per employee ($millions) | 3.3694% | 5,372 |
| Cash dividends to net income (ytd only)* | 45.2055% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 4,010 |
| Loan loss allowance to noncurrent loans | 50.6550% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.9254% | 3,595 |
| Noncurrent loans to loans | 2.9218% | 2,755 |
| Net loans and leases to total assets | 57.2926% | 5,553 |
| Net loans and leases to deposits | 68.5646% | 5,529 |
| Net loans and leases to core deposits | 72.5285% | 5,653 |
| Total domestic deposits to total assets | 83.5599% | 4,360 |
| Equity capital to assets | 8.4695% | 6,044 |
| Core capital (leverage) ratio | 8.0032% | 6,234 |
| Tier 1 risk-based capital ratio | 13.0256% | 4,314 |
| Total risk-based capital ratio | 14.2769% | 4,287 |
| Memoranda: | ||
| Average total assets | $52,948,500 | 6,635 |
| Average earning assets | $47,790,000 | 6,637 |
| Average equity | $4,476,000 | 7,011 |
| Average total loans | $31,224,000 | 6,558 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2955% | 1,038 |
| Cost of funding earning assets | 1.7907% | 4,040 |
| Net interest margin | 4.5048% | 1,172 |
| Noninterest income to average assets | 1.4702% | 663 |
| Noninterest expense to average assets | 3.8796% | 1,544 |
| Loan and lease loss provision to assets | 0.4224% | 4,295 |
| Net operating income to assets | 1.2107% | 1,223 |
| Return on assets (ROA) | 1.3354% | 1,012 |
| Pretax return on assets | 1.3354% | 1,600 |
| Return on Equity (ROE) | 15.2672% | 637 |
| Retained earnings to average equity (ytd only) | -2.3912% | 5,594 |
| Net charge-offs to loans | 0.3820% | 4,295 |
| Credit loss provision to net charge-offs | 184.2105% | 2,224 |
| Earnings coverage of net charge-offs (x) | 7.1228% | 2,215 |
| Efficiency ratio | 70.3758% | 4,542 |
| Assets per employee ($millions) | 3.2491% | 5,611 |
| Cash dividends to net income (ytd only)* | 115.6627% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 4,014 |
| Loan loss allowance to noncurrent loans | 29.5784% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 3.1547% | 2,191 |
| Noncurrent loans to loans | 4.8815% | 1,398 |
| Net loans and leases to total assets | 58.9543% | 5,497 |
| Net loans and leases to deposits | 70.2195% | 5,577 |
| Net loans and leases to core deposits | 90.2739% | 5,093 |
| Total domestic deposits to total assets | 83.9572% | 4,045 |
| Equity capital to assets | 8.4369% | 6,000 |
| Core capital (leverage) ratio | 8.0479% | 6,089 |
| Tier 1 risk-based capital ratio | 12.9882% | 4,155 |
| Total risk-based capital ratio | 14.2409% | 4,099 |
| Memoranda: | ||
| Average total assets | $49,721,600 | 6,720 |
| Average earning assets | $44,619,000 | 6,736 |
| Average equity | $4,349,200 | 7,161 |
| Average total loans | $29,846,000 | 6,631 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2877% | 1,164 |
| Cost of funding earning assets | 1.8176% | 4,302 |
| Net interest margin | 4.4700% | 1,267 |
| Noninterest income to average assets | 1.5000% | 657 |
| Noninterest expense to average assets | 3.8001% | 1,585 |
| Loan and lease loss provision to assets | 0.4177% | 3,816 |
| Net operating income to assets | 1.2911% | 1,243 |
| Return on assets (ROA) | 1.4593% | 958 |
| Pretax return on assets | 1.4593% | 1,524 |
| Return on Equity (ROE) | 16.5281% | 593 |
| Retained earnings to average equity (ytd only) | 3.5329% | 3,319 |
| Net charge-offs to loans | 0.3070% | 4,117 |
| Credit loss provision to net charge-offs | 226.4706% | 1,926 |
| Earnings coverage of net charge-offs (x) | 9.2652% | 2,129 |
| Efficiency ratio | 68.9808% | 4,792 |
| Assets per employee ($millions) | 3.1701% | 5,726 |
| Cash dividends to net income (ytd only)* | 78.6246% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 3,513 |
| Loan loss allowance to noncurrent loans | 39.1615% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 2.2929% | 2,988 |
| Noncurrent loans to loans | 3.7973% | 1,957 |
| Net loans and leases to total assets | 57.3372% | 5,986 |
| Net loans and leases to deposits | 69.1622% | 6,013 |
| Net loans and leases to core deposits | 93.9918% | 5,019 |
| Total domestic deposits to total assets | 82.9025% | 4,269 |
| Equity capital to assets | 9.2368% | 5,104 |
| Core capital (leverage) ratio | 8.5867% | 5,319 |
| Tier 1 risk-based capital ratio | 14.4416% | 3,307 |
| Total risk-based capital ratio | 15.6951% | 3,252 |
| Memoranda: | ||
| Average total assets | $49,155,500 | 6,797 |
| Average earning assets | $44,085,000 | 6,812 |
| Average equity | $4,340,000 | 7,236 |
| Average total loans | $29,533,250 | 6,707 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3623% | 1,077 |
| Cost of funding earning assets | 1.8539% | 4,494 |
| Net interest margin | 4.5083% | 1,152 |
| Noninterest income to average assets | 1.5750% | 606 |
| Noninterest expense to average assets | 3.6148% | 2,034 |
| Loan and lease loss provision to assets | 0.5099% | 2,985 |
| Net operating income to assets | 1.4805% | 871 |
| Return on assets (ROA) | 1.7354% | 572 |
| Pretax return on assets | 1.7354% | 960 |
| Return on Equity (ROE) | 19.9763% | 342 |
| Retained earnings to average equity (ytd only) | 3.0769% | 3,604 |
| Net charge-offs to loans | 0.3386% | 3,482 |
| Credit loss provision to net charge-offs | 248.0000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 9.6800% | 2,091 |
| Efficiency ratio | 64.4901% | 5,807 |
| Assets per employee ($millions) | 3.1234% | 5,802 |
| Cash dividends to net income (ytd only)* | 84.5972% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 3,403 |
| Loan loss allowance to noncurrent loans | 54.1878% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 1.6509% | 3,727 |
| Noncurrent loans to loans | 2.6985% | 2,669 |
| Net loans and leases to total assets | 57.5779% | 6,026 |
| Net loans and leases to deposits | 69.0720% | 6,087 |
| Net loans and leases to core deposits | 91.5000% | 5,397 |
| Total domestic deposits to total assets | 83.3593% | 4,088 |
| Equity capital to assets | 8.6165% | 5,872 |
| Core capital (leverage) ratio | 8.5537% | 5,349 |
| Tier 1 risk-based capital ratio | 14.0462% | 3,492 |
| Total risk-based capital ratio | 15.2988% | 3,431 |
| Memoranda: | ||
| Average total assets | $48,633,670 | 6,883 |
| Average earning assets | $43,475,000 | 6,904 |
| Average equity | $4,225,000 | 7,329 |
| Average total loans | $29,537,330 | 6,760 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4729% | 918 |
| Cost of funding earning assets | 1.8587% | 4,831 |
| Net interest margin | 4.6141% | 917 |
| Noninterest income to average assets | 1.6846% | 481 |
| Noninterest expense to average assets | 3.5277% | 2,035 |
| Loan and lease loss provision to assets | 0.5838% | 2,156 |
| Net operating income to assets | 1.6930% | 654 |
| Return on assets (ROA) | 2.1933% | 270 |
| Pretax return on assets | 2.1933% | 449 |
| Return on Equity (ROE) | 25.1404% | 183 |
| Retained earnings to average equity (ytd only) | 11.0885% | 952 |
| Net charge-offs to loans | 0.4848% | 2,244 |
| Credit loss provision to net charge-offs | 194.4444% | 2,271 |
| Earnings coverage of net charge-offs (x) | 7.5833% | 2,323 |
| Efficiency ratio | 60.7759% | 6,283 |
| Assets per employee ($millions) | 3.1993% | 5,593 |
| Cash dividends to net income (ytd only)* | 55.8935% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 3,992 |
| Loan loss allowance to noncurrent loans | 130.7432% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 5,643 |
| Noncurrent loans to loans | 1.0060% | 4,986 |
| Net loans and leases to total assets | 60.5034% | 5,573 |
| Net loans and leases to deposits | 71.8013% | 5,768 |
| Net loans and leases to core deposits | 93.0698% | 5,249 |
| Total domestic deposits to total assets | 84.2651% | 3,576 |
| Equity capital to assets | 8.4811% | 6,105 |
| Core capital (leverage) ratio | 9.0392% | 4,643 |
| Tier 1 risk-based capital ratio | 14.2998% | 3,431 |
| Total risk-based capital ratio | 15.5505% | 3,354 |
| Memoranda: | ||
| Average total assets | $47,963,500 | 6,948 |
| Average earning assets | $42,825,000 | 6,985 |
| Average equity | $4,184,500 | 7,387 |
| Average total loans | $29,705,500 | 6,786 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9009% | 1,393 |
| Cost of funding earning assets | 2.3585% | 4,898 |
| Net interest margin | 4.5424% | 1,328 |
| Noninterest income to average assets | 1.4153% | 722 |
| Noninterest expense to average assets | 3.7790% | 1,795 |
| Loan and lease loss provision to assets | 0.2986% | 3,991 |
| Net operating income to assets | 1.3837% | 1,271 |
| Return on assets (ROA) | 1.4090% | 1,168 |
| Pretax return on assets | 1.4090% | 1,949 |
| Return on Equity (ROE) | 16.3694% | 715 |
| Retained earnings to average equity (ytd only) | 2.6387% | 3,542 |
| Net charge-offs to loans | 0.2591% | 3,683 |
| Credit loss provision to net charge-offs | 189.3333% | 2,611 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 2,479 |
| Efficiency ratio | 69.1952% | 4,492 |
| Assets per employee ($millions) | 3.1959% | 5,494 |
| Cash dividends to net income (ytd only)* | 83.8806% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 4,724 |
| Loan loss allowance to noncurrent loans | 111.7089% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 4,951 |
| Noncurrent loans to loans | 1.0537% | 4,468 |
| Net loans and leases to total assets | 61.8215% | 5,645 |
| Net loans and leases to deposits | 75.4500% | 5,659 |
| Net loans and leases to core deposits | 101.7825% | 4,641 |
| Total domestic deposits to total assets | 81.9371% | 4,229 |
| Equity capital to assets | 8.9678% | 5,410 |
| Core capital (leverage) ratio | 8.8161% | 5,015 |
| Tier 1 risk-based capital ratio | 13.7356% | 3,675 |
| Total risk-based capital ratio | 14.8951% | 3,638 |
| Memoranda: | ||
| Average total assets | $47,552,600 | 6,882 |
| Average earning assets | $42,356,600 | 6,935 |
| Average equity | $4,093,000 | 7,477 |
| Average total loans | $28,946,600 | 6,771 |