Home > First State Bank of Swanville > Performance and Condition Ratios
First State Bank of Swanville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8993% | 2,276 |
| Cost of funding earning assets | 0.1833% | 4,451 |
| Net interest margin | 4.7160% | 468 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 4.2035% | 326 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.5659% | 3,524 |
| Return on assets (ROA) | 0.5659% | 3,514 |
| Pretax return on assets | 0.5659% | 3,696 |
| Return on Equity (ROE) | 3.8100% | 3,915 |
| Retained earnings to average equity (ytd only) | 3.8112% | 3,026 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.6452% | 531 |
| Assets per employee ($millions) | 4.9764% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,011 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.5100% | 1,049 |
| Net loans and leases to deposits | 92.0952% | 1,084 |
| Net loans and leases to core deposits | 92.0952% | 1,893 |
| Total domestic deposits to total assets | 83.0800% | 2,874 |
| Equity capital to assets | 15.7584% | 485 |
| Core capital (leverage) ratio | 16.0658% | 482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0184% | 538 |
| Memoranda: | ||
| Average total assets | $25,621,400 | 4,495 |
| Average earning assets | $24,554,600 | 4,450 |
| Average equity | $3,804,600 | 4,366 |
| Average total loans | $18,729,800 | 4,311 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7728% | 2,324 |
| Cost of funding earning assets | 0.1674% | 4,466 |
| Net interest margin | 4.6055% | 520 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 3.6218% | 485 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.0023% | 2,360 |
| Return on assets (ROA) | 1.0023% | 2,344 |
| Pretax return on assets | 1.0023% | 2,858 |
| Return on Equity (ROE) | 6.8500% | 3,469 |
| Retained earnings to average equity (ytd only) | 6.8510% | 2,344 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.1957% | 1,158 |
| Assets per employee ($millions) | 6.1733% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 1,972 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.9922% | 531 |
| Noncurrent loans to loans | 1.2776% | 598 |
| Net loans and leases to total assets | 76.6700% | 1,036 |
| Net loans and leases to deposits | 92.8540% | 976 |
| Net loans and leases to core deposits | 92.8540% | 1,749 |
| Total domestic deposits to total assets | 82.5700% | 3,098 |
| Equity capital to assets | 15.8506% | 456 |
| Core capital (leverage) ratio | 16.3339% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2434% | 536 |
| Memoranda: | ||
| Average total assets | $25,806,250 | 4,516 |
| Average earning assets | $24,694,750 | 4,478 |
| Average equity | $3,775,500 | 4,384 |
| Average total loans | $18,592,750 | 4,330 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 2,225 |
| Cost of funding earning assets | 0.1279% | 4,498 |
| Net interest margin | 4.5646% | 566 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 3.6138% | 471 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.9321% | 2,641 |
| Return on assets (ROA) | 0.9321% | 2,629 |
| Pretax return on assets | 0.9321% | 3,094 |
| Return on Equity (ROE) | 6.5400% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.5427% | 2,440 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.2903% | 1,150 |
| Assets per employee ($millions) | 6.3805% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,039 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 74.3400% | 1,242 |
| Net loans and leases to deposits | 88.5844% | 1,295 |
| Net loans and leases to core deposits | 88.5844% | 1,887 |
| Total domestic deposits to total assets | 83.9200% | 2,838 |
| Equity capital to assets | 14.9636% | 529 |
| Core capital (leverage) ratio | 15.6457% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7819% | 571 |
| Memoranda: | ||
| Average total assets | $26,177,333 | 4,542 |
| Average earning assets | $25,018,667 | 4,502 |
| Average equity | $3,729,333 | 4,415 |
| Average total loans | $18,398,000 | 4,355 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6121% | 2,058 |
| Cost of funding earning assets | 0.1102% | 4,519 |
| Net interest margin | 4.5019% | 584 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 3.6408% | 464 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8611% | 2,988 |
| Return on assets (ROA) | 0.8611% | 2,934 |
| Pretax return on assets | 0.8611% | 3,328 |
| Return on Equity (ROE) | 6.0700% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.0654% | 2,745 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.8725% | 774 |
| Assets per employee ($millions) | 6.5973% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 2,704 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 70.2500% | 1,599 |
| Net loans and leases to deposits | 83.0176% | 1,575 |
| Net loans and leases to core deposits | 83.0176% | 2,058 |
| Total domestic deposits to total assets | 84.6100% | 2,951 |
| Equity capital to assets | 14.2408% | 562 |
| Core capital (leverage) ratio | 14.7543% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9591% | 664 |
| Memoranda: | ||
| Average total assets | $26,477,500 | 4,597 |
| Average earning assets | $25,411,500 | 4,562 |
| Average equity | $3,759,000 | 4,475 |
| Average total loans | $17,988,000 | 4,424 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3367% | 996 |
| Cost of funding earning assets | 0.1576% | 4,078 |
| Net interest margin | 4.1791% | 565 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 4.0870% | 314 |
| Loan and lease loss provision to assets | -0.1900% | 4,620 |
| Net operating income to assets | 0.3793% | 4,264 |
| Return on assets (ROA) | 0.3793% | 4,230 |
| Pretax return on assets | 0.3793% | 4,300 |
| Return on Equity (ROE) | 2.7000% | 4,324 |
| Retained earnings to average equity (ytd only) | 2.6998% | 3,804 |
| Net charge-offs to loans | -0.4314% | 4,692 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 95.4822% | 203 |
| Assets per employee ($millions) | 6.6415% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 2,007 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 63.9900% | 2,244 |
| Net loans and leases to deposits | 74.8031% | 2,187 |
| Net loans and leases to core deposits | 74.8031% | 2,509 |
| Total domestic deposits to total assets | 85.5400% | 2,845 |
| Equity capital to assets | 14.1534% | 561 |
| Core capital (leverage) ratio | 14.5937% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1357% | 469 |
| Memoranda: | ||
| Average total assets | $26,890,400 | 4,627 |
| Average earning assets | $24,742,200 | 4,601 |
| Average equity | $3,778,000 | 4,549 |
| Average total loans | $16,919,800 | 4,457 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 905 |
| Cost of funding earning assets | 0.1573% | 3,757 |
| Net interest margin | 4.0358% | 597 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 4.1475% | 299 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.0099% | 4,583 |
| Return on assets (ROA) | 0.0099% | 4,556 |
| Pretax return on assets | 0.0099% | 4,552 |
| Return on Equity (ROE) | 0.0700% | 4,556 |
| Retained earnings to average equity (ytd only) | 0.0705% | 4,324 |
| Net charge-offs to loans | -0.0079% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 99.7622% | 159 |
| Assets per employee ($millions) | 6.8135% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 2,778 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 62.2600% | 2,259 |
| Net loans and leases to deposits | 72.2454% | 2,184 |
| Net loans and leases to core deposits | 72.2454% | 2,469 |
| Total domestic deposits to total assets | 86.1800% | 3,025 |
| Equity capital to assets | 13.5356% | 610 |
| Core capital (leverage) ratio | 13.8446% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9791% | 490 |
| Memoranda: | ||
| Average total assets | $26,971,500 | 4,662 |
| Average earning assets | $24,579,250 | 4,640 |
| Average equity | $3,782,500 | 4,591 |
| Average total loans | $16,845,000 | 4,491 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7384% | 1,447 |
| Cost of funding earning assets | 0.1796% | 3,187 |
| Net interest margin | 3.5588% | 1,162 |
| Noninterest income to average assets | 0.2307% | 3,803 |
| Noninterest expense to average assets | 4.5912% | 200 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -1.1162% | 4,718 |
| Return on assets (ROA) | -1.1162% | 4,714 |
| Pretax return on assets | -1.1162% | 4,706 |
| Return on Equity (ROE) | -7.8664% | 4,708 |
| Retained earnings to average equity (ytd only) | -7.8664% | 4,622 |
| Net charge-offs to loans | -0.0119% | 3,646 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.1199% | 56 |
| Assets per employee ($millions) | 6.9355% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 2,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 61.3294% | 2,187 |
| Net loans and leases to deposits | 70.9982% | 2,110 |
| Net loans and leases to core deposits | 72.2309% | 2,316 |
| Total domestic deposits to total assets | 86.3817% | 3,146 |
| Equity capital to assets | 13.3624% | 598 |
| Core capital (leverage) ratio | 13.7645% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3710% | 406 |
| Memoranda: | ||
| Average total assets | $26,877,333 | 4,699 |
| Average earning assets | $24,502,667 | 4,688 |
| Average equity | $3,813,667 | 4,630 |
| Average total loans | $16,737,667 | 4,551 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6685% | 1,342 |
| Cost of funding earning assets | 0.1957% | 2,856 |
| Net interest margin | 3.4728% | 1,139 |
| Noninterest income to average assets | 0.3176% | 3,196 |
| Noninterest expense to average assets | 3.2369% | 578 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3025% | 4,138 |
| Return on assets (ROA) | 0.3025% | 4,111 |
| Pretax return on assets | 0.3025% | 4,186 |
| Return on Equity (ROE) | 2.0688% | 4,251 |
| Retained earnings to average equity (ytd only) | 2.0688% | 3,521 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4530% | 486 |
| Assets per employee ($millions) | 6.4788% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 2,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 62.3346% | 1,817 |
| Net loans and leases to deposits | 73.5108% | 1,654 |
| Net loans and leases to core deposits | 74.9049% | 1,859 |
| Total domestic deposits to total assets | 84.7964% | 3,587 |
| Equity capital to assets | 14.9604% | 400 |
| Core capital (leverage) ratio | 14.7414% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0047% | 295 |
| Memoranda: | ||
| Average total assets | $26,445,000 | 4,728 |
| Average earning assets | $24,533,500 | 4,711 |
| Average equity | $3,867,000 | 4,661 |
| Average total loans | $16,500,500 | 4,570 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9021% | 1,608 |
| Cost of funding earning assets | 0.2519% | 2,909 |
| Net interest margin | 3.6502% | 1,340 |
| Noninterest income to average assets | 0.2283% | 4,010 |
| Noninterest expense to average assets | 3.7248% | 381 |
| Loan and lease loss provision to assets | -0.0380% | 4,303 |
| Net operating income to assets | 0.0152% | 4,671 |
| Return on assets (ROA) | 0.0152% | 4,681 |
| Pretax return on assets | 0.0152% | 4,678 |
| Return on Equity (ROE) | 0.1029% | 4,681 |
| Retained earnings to average equity (ytd only) | 0.1029% | 4,459 |
| Net charge-offs to loans | -0.0247% | 4,054 |
| Credit loss provision to net charge-offs | 250.0000% | 1,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6166% | 141 |
| Assets per employee ($millions) | 6.7438% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 2,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 60.9935% | 2,058 |
| Net loans and leases to deposits | 71.3301% | 1,980 |
| Net loans and leases to core deposits | 72.6113% | 2,198 |
| Total domestic deposits to total assets | 85.5088% | 3,091 |
| Equity capital to assets | 14.2984% | 612 |
| Core capital (leverage) ratio | 14.4988% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2522% | 341 |
| Memoranda: | ||
| Average total assets | $26,283,000 | 4,767 |
| Average earning assets | $25,012,400 | 4,747 |
| Average equity | $3,886,000 | 4,712 |
| Average total loans | $16,177,000 | 4,632 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9654% | 1,619 |
| Cost of funding earning assets | 0.2636% | 2,974 |
| Net interest margin | 3.7017% | 1,322 |
| Noninterest income to average assets | 0.2145% | 4,114 |
| Noninterest expense to average assets | 3.5388% | 441 |
| Loan and lease loss provision to assets | 0.0651% | 1,698 |
| Net operating income to assets | 0.1226% | 4,682 |
| Return on assets (ROA) | 0.1226% | 4,702 |
| Pretax return on assets | 0.1226% | 4,707 |
| Return on Equity (ROE) | 0.8219% | 4,701 |
| Retained earnings to average equity (ytd only) | 0.8219% | 4,443 |
| Net charge-offs to loans | 0.0166% | 1,733 |
| Credit loss provision to net charge-offs | 650.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,783 |
| Efficiency ratio | 94.9315% | 216 |
| Assets per employee ($millions) | 6.5198% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 2,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 62.4487% | 1,955 |
| Net loans and leases to deposits | 73.7157% | 1,889 |
| Net loans and leases to core deposits | 75.0991% | 2,134 |
| Total domestic deposits to total assets | 84.7157% | 3,212 |
| Equity capital to assets | 14.9737% | 546 |
| Core capital (leverage) ratio | 15.1023% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0565% | 337 |
| Memoranda: | ||
| Average total assets | $26,110,000 | 4,843 |
| Average earning assets | $24,780,500 | 4,819 |
| Average equity | $3,893,250 | 4,778 |
| Average total loans | $16,058,750 | 4,703 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 1,549 |
| Cost of funding earning assets | 0.2758% | 3,034 |
| Net interest margin | 3.7311% | 1,268 |
| Noninterest income to average assets | 0.1914% | 4,244 |
| Noninterest expense to average assets | 3.5987% | 410 |
| Loan and lease loss provision to assets | 0.0995% | 1,274 |
| Net operating income to assets | 0.0153% | 4,767 |
| Return on assets (ROA) | 0.0153% | 4,777 |
| Pretax return on assets | 0.0153% | 4,776 |
| Return on Equity (ROE) | 0.1028% | 4,777 |
| Retained earnings to average equity (ytd only) | 0.1028% | 4,495 |
| Net charge-offs to loans | 0.0251% | 1,442 |
| Credit loss provision to net charge-offs | 650.0000% | 594 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 1,919 |
| Efficiency ratio | 96.9072% | 199 |
| Assets per employee ($millions) | 6.6098% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 2,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 61.4698% | 2,243 |
| Net loans and leases to deposits | 72.2729% | 2,185 |
| Net loans and leases to core deposits | 73.5984% | 2,451 |
| Total domestic deposits to total assets | 85.0524% | 3,072 |
| Equity capital to assets | 14.6866% | 581 |
| Core capital (leverage) ratio | 15.0521% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5853% | 351 |
| Memoranda: | ||
| Average total assets | $26,120,333 | 4,873 |
| Average earning assets | $24,657,667 | 4,853 |
| Average equity | $3,889,333 | 4,811 |
| Average total loans | $15,911,667 | 4,738 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 1,212 |
| Cost of funding earning assets | 0.2984% | 3,011 |
| Net interest margin | 3.8953% | 993 |
| Noninterest income to average assets | 0.1695% | 4,347 |
| Noninterest expense to average assets | 3.6670% | 382 |
| Loan and lease loss provision to assets | 0.2003% | 609 |
| Net operating income to assets | -0.0770% | 4,805 |
| Return on assets (ROA) | -0.0770% | 4,807 |
| Pretax return on assets | -0.0770% | 4,808 |
| Return on Equity (ROE) | -0.5138% | 4,802 |
| Retained earnings to average equity (ytd only) | -0.5138% | 4,413 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7480% | 235 |
| Assets per employee ($millions) | 5.0478% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 2,091 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 61.4882% | 2,340 |
| Net loans and leases to deposits | 72.8557% | 2,228 |
| Net loans and leases to core deposits | 74.2678% | 2,489 |
| Total domestic deposits to total assets | 84.3972% | 3,312 |
| Equity capital to assets | 15.3572% | 459 |
| Core capital (leverage) ratio | 15.7280% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0599% | 401 |
| Memoranda: | ||
| Average total assets | $25,961,000 | 4,904 |
| Average earning assets | $24,131,500 | 4,883 |
| Average equity | $3,892,500 | 4,832 |
| Average total loans | $15,634,500 | 4,771 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6498% | 997 |
| Cost of funding earning assets | 0.3577% | 3,830 |
| Net interest margin | 4.2921% | 516 |
| Noninterest income to average assets | 0.1804% | 4,385 |
| Noninterest expense to average assets | 4.0159% | 379 |
| Loan and lease loss provision to assets | 0.1202% | 2,864 |
| Net operating income to assets | -0.0120% | 4,740 |
| Return on assets (ROA) | -0.0120% | 4,775 |
| Pretax return on assets | -0.0120% | 4,769 |
| Return on Equity (ROE) | -0.0761% | 4,776 |
| Retained earnings to average equity (ytd only) | -1.4468% | 4,671 |
| Net charge-offs to loans | 0.2214% | 782 |
| Credit loss provision to net charge-offs | 81.0811% | 2,982 |
| Earnings coverage of net charge-offs (x) | 0.7297% | 3,306 |
| Efficiency ratio | 97.3761% | 215 |
| Assets per employee ($millions) | 5.3366% | 3,011 |
| Cash dividends to net income (ytd only)* | -1,800.0000% | 4,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 2,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 57.4561% | 3,149 |
| Net loans and leases to deposits | 67.4928% | 3,136 |
| Net loans and leases to core deposits | 68.7150% | 3,355 |
| Total domestic deposits to total assets | 85.1291% | 2,709 |
| Equity capital to assets | 14.6498% | 645 |
| Core capital (leverage) ratio | 14.5678% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9161% | 394 |
| Memoranda: | ||
| Average total assets | $24,950,800 | 4,911 |
| Average earning assets | $22,925,800 | 4,901 |
| Average equity | $3,939,600 | 4,846 |
| Average total loans | $16,714,000 | 4,776 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8751% | 774 |
| Cost of funding earning assets | 0.3741% | 3,939 |
| Net interest margin | 4.5010% | 371 |
| Noninterest income to average assets | 0.1849% | 4,366 |
| Noninterest expense to average assets | 4.0079% | 373 |
| Loan and lease loss provision to assets | 0.2080% | 1,932 |
| Net operating income to assets | 0.0924% | 4,711 |
| Return on assets (ROA) | 0.0924% | 4,734 |
| Pretax return on assets | 0.0924% | 4,732 |
| Return on Equity (ROE) | 0.5742% | 4,743 |
| Retained earnings to average equity (ytd only) | -1.2498% | 4,637 |
| Net charge-offs to loans | 0.2665% | 582 |
| Credit loss provision to net charge-offs | 111.7647% | 2,536 |
| Earnings coverage of net charge-offs (x) | 1.6176% | 3,061 |
| Efficiency ratio | 93.0556% | 280 |
| Assets per employee ($millions) | 5.1198% | 3,096 |
| Cash dividends to net income (ytd only)* | 317.6471% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 2,010 |
| Loan loss allowance to noncurrent loans | 10,700.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,477 |
| Noncurrent loans to loans | 0.0125% | 4,395 |
| Net loans and leases to total assets | 61.7094% | 3,044 |
| Net loans and leases to deposits | 73.0497% | 3,028 |
| Net loans and leases to core deposits | 74.4404% | 3,288 |
| Total domestic deposits to total assets | 84.4760% | 2,643 |
| Equity capital to assets | 15.2779% | 573 |
| Core capital (leverage) ratio | 15.5909% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4630% | 431 |
| Memoranda: | ||
| Average total assets | $24,517,750 | 4,948 |
| Average earning assets | $22,453,500 | 4,937 |
| Average equity | $3,947,250 | 4,868 |
| Average total loans | $17,009,000 | 4,800 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 717 |
| Cost of funding earning assets | 0.3898% | 4,079 |
| Net interest margin | 4.6866% | 352 |
| Noninterest income to average assets | 0.1904% | 4,324 |
| Noninterest expense to average assets | 3.9739% | 417 |
| Loan and lease loss provision to assets | 0.2070% | 1,984 |
| Net operating income to assets | 0.2898% | 4,439 |
| Return on assets (ROA) | 0.2898% | 4,474 |
| Pretax return on assets | 0.2898% | 4,550 |
| Return on Equity (ROE) | 1.7680% | 4,570 |
| Retained earnings to average equity (ytd only) | 1.7680% | 3,845 |
| Net charge-offs to loans | 0.2076% | 749 |
| Credit loss provision to net charge-offs | 138.8889% | 2,183 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 2,685 |
| Efficiency ratio | 88.8889% | 418 |
| Assets per employee ($millions) | 3.5921% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 2,038 |
| Loan loss allowance to noncurrent loans | 10,850.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 4,545 |
| Noncurrent loans to loans | 0.0119% | 4,466 |
| Net loans and leases to total assets | 65.8739% | 2,649 |
| Net loans and leases to deposits | 78.4429% | 2,608 |
| Net loans and leases to core deposits | 79.9575% | 2,948 |
| Total domestic deposits to total assets | 83.9769% | 2,753 |
| Equity capital to assets | 15.8123% | 490 |
| Core capital (leverage) ratio | 16.4377% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8205% | 409 |
| Memoranda: | ||
| Average total assets | $24,157,333 | 4,979 |
| Average earning assets | $22,063,000 | 4,969 |
| Average equity | $3,959,333 | 4,900 |
| Average total loans | $17,341,667 | 4,822 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2924% | 557 |
| Cost of funding earning assets | 0.3900% | 4,394 |
| Net interest margin | 4.9024% | 231 |
| Noninterest income to average assets | 0.2536% | 4,030 |
| Noninterest expense to average assets | 4.2428% | 398 |
| Loan and lease loss provision to assets | 0.2197% | 1,406 |
| Net operating income to assets | 0.2536% | 4,443 |
| Return on assets (ROA) | 0.2536% | 4,464 |
| Pretax return on assets | 0.2536% | 4,516 |
| Return on Equity (ROE) | 1.5186% | 4,542 |
| Retained earnings to average equity (ytd only) | 1.5186% | 3,598 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9642% | 500 |
| Assets per employee ($millions) | 3.3394% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,343 |
| Loan loss allowance to noncurrent loans | 11,150.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 4,602 |
| Noncurrent loans to loans | 0.0113% | 4,530 |
| Net loans and leases to total assets | 74.7947% | 1,486 |
| Net loans and leases to deposits | 90.2447% | 1,477 |
| Net loans and leases to core deposits | 92.1471% | 2,138 |
| Total domestic deposits to total assets | 82.8799% | 3,145 |
| Equity capital to assets | 16.9319% | 451 |
| Core capital (leverage) ratio | 17.0226% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2878% | 482 |
| Memoranda: | ||
| Average total assets | $23,663,500 | 5,028 |
| Average earning assets | $21,540,500 | 5,018 |
| Average equity | $3,951,000 | 4,946 |
| Average total loans | $17,622,000 | 4,856 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 1,300 |
| Cost of funding earning assets | 0.3637% | 4,560 |
| Net interest margin | 4.7018% | 470 |
| Noninterest income to average assets | 0.4178% | 3,189 |
| Noninterest expense to average assets | 4.0818% | 486 |
| Loan and lease loss provision to assets | -0.0804% | 5,052 |
| Net operating income to assets | 0.7272% | 3,774 |
| Return on assets (ROA) | 0.7272% | 3,846 |
| Pretax return on assets | 0.7272% | 4,146 |
| Return on Equity (ROE) | 4.6221% | 4,314 |
| Retained earnings to average equity (ytd only) | 1.8386% | 4,064 |
| Net charge-offs to loans | -0.0116% | 4,506 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3212% | 526 |
| Assets per employee ($millions) | 3.4216% | 4,552 |
| Cash dividends to net income (ytd only)* | 60.2210% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,449 |
| Loan loss allowance to noncurrent loans | 10,500.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 4,634 |
| Noncurrent loans to loans | 0.0114% | 4,543 |
| Net loans and leases to total assets | 72.3435% | 2,034 |
| Net loans and leases to deposits | 86.8173% | 1,993 |
| Net loans and leases to core deposits | 88.5748% | 2,561 |
| Total domestic deposits to total assets | 83.3285% | 3,093 |
| Equity capital to assets | 16.4670% | 534 |
| Core capital (leverage) ratio | 16.0257% | 520 |
| Tier 1 risk-based capital ratio | 23.1198% | 905 |
| Total risk-based capital ratio | 24.3527% | 884 |
| Memoranda: | ||
| Average total assets | $24,891,000 | 5,075 |
| Average earning assets | $22,821,200 | 5,065 |
| Average equity | $3,916,000 | 4,999 |
| Average total loans | $17,202,400 | 4,926 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 1,573 |
| Cost of funding earning assets | 0.3521% | 4,649 |
| Net interest margin | 4.6352% | 569 |
| Noninterest income to average assets | 0.3502% | 3,632 |
| Noninterest expense to average assets | 4.0382% | 507 |
| Loan and lease loss provision to assets | -0.1061% | 5,167 |
| Net operating income to assets | 0.6792% | 4,078 |
| Return on assets (ROA) | 0.6792% | 4,142 |
| Pretax return on assets | 0.6792% | 4,388 |
| Return on Equity (ROE) | 4.3658% | 4,514 |
| Retained earnings to average equity (ytd only) | 0.6480% | 4,636 |
| Net charge-offs to loans | -0.0311% | 4,709 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5719% | 421 |
| Assets per employee ($millions) | 3.5561% | 4,444 |
| Cash dividends to net income (ytd only)* | 85.1576% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 67.7861% | 2,817 |
| Net loans and leases to deposits | 80.7794% | 2,821 |
| Net loans and leases to core deposits | 82.3403% | 3,223 |
| Total domestic deposits to total assets | 83.9152% | 2,855 |
| Equity capital to assets | 15.6349% | 706 |
| Core capital (leverage) ratio | 15.6780% | 609 |
| Tier 1 risk-based capital ratio | 22.9786% | 947 |
| Total risk-based capital ratio | 24.2267% | 929 |
| Memoranda: | ||
| Average total assets | $25,126,000 | 5,151 |
| Average earning assets | $23,098,000 | 5,138 |
| Average equity | $3,909,000 | 5,072 |
| Average total loans | $17,118,750 | 5,003 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9388% | 1,638 |
| Cost of funding earning assets | 0.3454% | 4,697 |
| Net interest margin | 4.5935% | 627 |
| Noninterest income to average assets | 0.3571% | 3,542 |
| Noninterest expense to average assets | 4.0153% | 526 |
| Loan and lease loss provision to assets | -0.1587% | 5,234 |
| Net operating income to assets | 0.7221% | 3,928 |
| Return on assets (ROA) | 0.7221% | 3,985 |
| Pretax return on assets | 0.7221% | 4,277 |
| Return on Equity (ROE) | 4.6492% | 4,431 |
| Retained earnings to average equity (ytd only) | 4.6492% | 2,948 |
| Net charge-offs to loans | -0.0234% | 4,601 |
| Credit loss provision to net charge-offs | 1,000.0000% | 340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6950% | 454 |
| Assets per employee ($millions) | 3.0965% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 2,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 66.9466% | 2,971 |
| Net loans and leases to deposits | 79.8921% | 2,966 |
| Net loans and leases to core deposits | 81.4298% | 3,301 |
| Total domestic deposits to total assets | 83.7962% | 2,949 |
| Equity capital to assets | 16.0060% | 617 |
| Core capital (leverage) ratio | 15.9018% | 559 |
| Tier 1 risk-based capital ratio | 23.8445% | 863 |
| Total risk-based capital ratio | 25.0919% | 845 |
| Memoranda: | ||
| Average total assets | $25,203,670 | 5,198 |
| Average earning assets | $23,163,330 | 5,185 |
| Average equity | $3,914,670 | 5,114 |
| Average total loans | $17,129,670 | 5,044 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8464% | 1,778 |
| Cost of funding earning assets | 0.3254% | 4,752 |
| Net interest margin | 4.5210% | 709 |
| Noninterest income to average assets | 0.4091% | 3,124 |
| Noninterest expense to average assets | 4.0284% | 519 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5350% | 4,425 |
| Return on assets (ROA) | 0.5350% | 4,449 |
| Pretax return on assets | 0.5350% | 4,614 |
| Return on Equity (ROE) | 3.4966% | 4,679 |
| Retained earnings to average equity (ytd only) | 3.4966% | 3,514 |
| Net charge-offs to loans | -0.0231% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2759% | 468 |
| Assets per employee ($millions) | 3.1304% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 1,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 67.4560% | 2,835 |
| Net loans and leases to deposits | 80.1034% | 2,828 |
| Net loans and leases to core deposits | 81.6205% | 3,213 |
| Total domestic deposits to total assets | 84.2112% | 2,978 |
| Equity capital to assets | 15.6012% | 634 |
| Core capital (leverage) ratio | 15.6006% | 582 |
| Tier 1 risk-based capital ratio | 23.0116% | 934 |
| Total risk-based capital ratio | 24.2624% | 915 |
| Memoranda: | ||
| Average total assets | $25,419,500 | 5,250 |
| Average earning assets | $23,357,500 | 5,236 |
| Average equity | $3,889,500 | 5,163 |
| Average total loans | $17,297,500 | 5,099 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 1,235 |
| Cost of funding earning assets | 0.2987% | 4,576 |
| Net interest margin | 4.6199% | 580 |
| Noninterest income to average assets | 0.4043% | 3,415 |
| Noninterest expense to average assets | 4.0393% | 505 |
| Loan and lease loss provision to assets | -0.0583% | 5,217 |
| Net operating income to assets | 0.6920% | 4,157 |
| Return on assets (ROA) | 0.6920% | 4,162 |
| Pretax return on assets | 0.6920% | 4,433 |
| Return on Equity (ROE) | 4.6587% | 4,542 |
| Retained earnings to average equity (ytd only) | 4.2399% | 3,221 |
| Net charge-offs to loans | -0.0234% | 4,737 |
| Credit loss provision to net charge-offs | 375.0000% | 858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4393% | 502 |
| Assets per employee ($millions) | 3.6851% | 4,341 |
| Cash dividends to net income (ytd only)* | 8.9888% | 3,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 2,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 66.8514% | 3,020 |
| Net loans and leases to deposits | 78.7767% | 3,070 |
| Net loans and leases to core deposits | 80.1981% | 3,414 |
| Total domestic deposits to total assets | 84.8620% | 2,704 |
| Equity capital to assets | 15.0101% | 706 |
| Core capital (leverage) ratio | 15.0798% | 678 |
| Tier 1 risk-based capital ratio | 22.3597% | 983 |
| Total risk-based capital ratio | 23.6090% | 956 |
| Memoranda: | ||
| Average total assets | $25,722,400 | 5,291 |
| Average earning assets | $23,766,800 | 5,273 |
| Average equity | $3,820,800 | 5,202 |
| Average total loans | $17,127,600 | 5,146 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9113% | 1,132 |
| Cost of funding earning assets | 0.2856% | 4,607 |
| Net interest margin | 4.6257% | 563 |
| Noninterest income to average assets | 0.4409% | 3,230 |
| Noninterest expense to average assets | 3.9318% | 568 |
| Loan and lease loss provision to assets | -0.0778% | 5,330 |
| Net operating income to assets | 0.8714% | 3,655 |
| Return on assets (ROA) | 0.8714% | 3,659 |
| Pretax return on assets | 0.8714% | 4,116 |
| Return on Equity (ROE) | 5.8821% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.8821% | 2,716 |
| Net charge-offs to loans | -0.0235% | 4,676 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2053% | 691 |
| Assets per employee ($millions) | 3.6486% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 2,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 66.7580% | 3,095 |
| Net loans and leases to deposits | 78.8950% | 3,156 |
| Net loans and leases to core deposits | 80.3374% | 3,469 |
| Total domestic deposits to total assets | 84.6163% | 2,756 |
| Equity capital to assets | 15.1840% | 680 |
| Core capital (leverage) ratio | 15.0990% | 682 |
| Tier 1 risk-based capital ratio | 22.6023% | 982 |
| Total risk-based capital ratio | 23.8515% | 959 |
| Memoranda: | ||
| Average total assets | $25,704,000 | 5,359 |
| Average earning assets | $23,808,500 | 5,342 |
| Average equity | $3,808,000 | 5,269 |
| Average total loans | $17,041,250 | 5,208 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9583% | 902 |
| Cost of funding earning assets | 0.2769% | 4,579 |
| Net interest margin | 4.6814% | 463 |
| Noninterest income to average assets | 0.5124% | 2,788 |
| Noninterest expense to average assets | 3.9987% | 535 |
| Loan and lease loss provision to assets | -0.1165% | 5,437 |
| Net operating income to assets | 0.9628% | 3,178 |
| Return on assets (ROA) | 0.9628% | 3,180 |
| Pretax return on assets | 0.9628% | 3,765 |
| Return on Equity (ROE) | 6.5528% | 4,044 |
| Retained earnings to average equity (ytd only) | 6.5528% | 2,283 |
| Net charge-offs to loans | -0.0236% | 4,636 |
| Credit loss provision to net charge-offs | 750.0000% | 521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5321% | 799 |
| Assets per employee ($millions) | 3.2243% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 2,066 |
| Loan loss allowance to noncurrent loans | 2,825.0000% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 4,876 |
| Noncurrent loans to loans | 0.0468% | 4,709 |
| Net loans and leases to total assets | 65.3989% | 3,226 |
| Net loans and leases to deposits | 76.9571% | 3,259 |
| Net loans and leases to core deposits | 78.3366% | 3,550 |
| Total domestic deposits to total assets | 84.9810% | 2,682 |
| Equity capital to assets | 14.8756% | 711 |
| Core capital (leverage) ratio | 14.9918% | 672 |
| Tier 1 risk-based capital ratio | 22.2351% | 1,011 |
| Total risk-based capital ratio | 23.4840% | 994 |
| Memoranda: | ||
| Average total assets | $25,758,670 | 5,421 |
| Average earning assets | $23,839,000 | 5,403 |
| Average equity | $3,784,670 | 5,332 |
| Average total loans | $16,962,670 | 5,268 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1774% | 511 |
| Cost of funding earning assets | 0.2858% | 4,455 |
| Net interest margin | 4.8917% | 281 |
| Noninterest income to average assets | 0.7614% | 1,589 |
| Noninterest expense to average assets | 3.9781% | 547 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3053% | 1,626 |
| Return on assets (ROA) | 1.3053% | 1,631 |
| Pretax return on assets | 1.3053% | 2,344 |
| Return on Equity (ROE) | 8.9397% | 2,933 |
| Retained earnings to average equity (ytd only) | 8.9397% | 1,476 |
| Net charge-offs to loans | -0.0237% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2941% | 1,704 |
| Assets per employee ($millions) | 3.1766% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 1,699 |
| Loan loss allowance to noncurrent loans | 2,666.6667% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 4,932 |
| Noncurrent loans to loans | 0.0539% | 4,737 |
| Net loans and leases to total assets | 64.7346% | 3,211 |
| Net loans and leases to deposits | 76.2750% | 3,181 |
| Net loans and leases to core deposits | 77.6650% | 3,525 |
| Total domestic deposits to total assets | 84.8699% | 2,985 |
| Equity capital to assets | 14.9490% | 685 |
| Core capital (leverage) ratio | 14.9664% | 663 |
| Tier 1 risk-based capital ratio | 22.2053% | 1,025 |
| Total risk-based capital ratio | 23.4598% | 1,005 |
| Memoranda: | ||
| Average total assets | $25,741,000 | 5,484 |
| Average earning assets | $23,795,500 | 5,466 |
| Average equity | $3,758,500 | 5,390 |
| Average total loans | $16,896,500 | 5,327 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 1,319 |
| Cost of funding earning assets | 0.2879% | 4,244 |
| Net interest margin | 4.3583% | 845 |
| Noninterest income to average assets | 0.3207% | 4,171 |
| Noninterest expense to average assets | 4.0843% | 477 |
| Loan and lease loss provision to assets | 0.1403% | 1,627 |
| Net operating income to assets | 0.1002% | 5,259 |
| Return on assets (ROA) | 0.1002% | 5,265 |
| Pretax return on assets | 0.1002% | 5,377 |
| Return on Equity (ROE) | 0.6723% | 5,287 |
| Retained earnings to average equity (ytd only) | 0.6723% | 4,768 |
| Net charge-offs to loans | -0.0120% | 4,835 |
| Credit loss provision to net charge-offs | -1,750.0000% | 5,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4393% | 281 |
| Assets per employee ($millions) | 3.7241% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 1,783 |
| Loan loss allowance to noncurrent loans | 36.2671% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 2.5279% | 372 |
| Noncurrent loans to loans | 3.8534% | 256 |
| Net loans and leases to total assets | 64.6860% | 3,272 |
| Net loans and leases to deposits | 75.5545% | 3,372 |
| Net loans and leases to core deposits | 76.8806% | 3,678 |
| Total domestic deposits to total assets | 85.6151% | 2,611 |
| Equity capital to assets | 14.2622% | 842 |
| Core capital (leverage) ratio | 14.4080% | 750 |
| Tier 1 risk-based capital ratio | 21.2702% | 1,102 |
| Total risk-based capital ratio | 22.5221% | 1,079 |
| Memoranda: | ||
| Average total assets | $24,949,000 | 5,546 |
| Average earning assets | $22,921,800 | 5,533 |
| Average equity | $3,718,800 | 5,457 |
| Average total loans | $16,664,200 | 5,402 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 1,347 |
| Cost of funding earning assets | 0.2946% | 4,183 |
| Net interest margin | 4.3132% | 890 |
| Noninterest income to average assets | 0.3297% | 4,177 |
| Noninterest expense to average assets | 4.0698% | 479 |
| Loan and lease loss provision to assets | 0.1892% | 1,032 |
| Net operating income to assets | 0.0270% | 5,493 |
| Return on assets (ROA) | 0.0270% | 5,501 |
| Pretax return on assets | 0.0270% | 5,499 |
| Return on Equity (ROE) | 0.1793% | 5,506 |
| Retained earnings to average equity (ytd only) | 0.1793% | 5,178 |
| Net charge-offs to loans | -0.0080% | 4,571 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9559% | 269 |
| Assets per employee ($millions) | 3.6894% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,745 |
| Loan loss allowance to noncurrent loans | 36.0606% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 2.5556% | 414 |
| Noncurrent loans to loans | 3.9877% | 247 |
| Net loans and leases to total assets | 63.1650% | 3,535 |
| Net loans and leases to deposits | 73.9550% | 3,572 |
| Net loans and leases to core deposits | 75.2688% | 3,866 |
| Total domestic deposits to total assets | 85.4101% | 2,553 |
| Equity capital to assets | 14.4312% | 877 |
| Core capital (leverage) ratio | 15.0792% | 645 |
| Tier 1 risk-based capital ratio | 21.6477% | 1,094 |
| Total risk-based capital ratio | 22.8993% | 1,073 |
| Memoranda: | ||
| Average total assets | $24,669,000 | 5,609 |
| Average earning assets | $22,627,500 | 5,597 |
| Average equity | $3,719,000 | 5,516 |
| Average total loans | $16,554,750 | 5,465 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 1,168 |
| Cost of funding earning assets | 0.2975% | 4,104 |
| Net interest margin | 4.3457% | 770 |
| Noninterest income to average assets | 0.3294% | 4,189 |
| Noninterest expense to average assets | 4.1675% | 433 |
| Loan and lease loss provision to assets | 0.2471% | 678 |
| Net operating income to assets | -0.1153% | 5,589 |
| Return on assets (ROA) | -0.1153% | 5,592 |
| Pretax return on assets | -0.1153% | 5,584 |
| Return on Equity (ROE) | -0.7534% | 5,582 |
| Retained earnings to average equity (ytd only) | -0.7534% | 5,197 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9349% | 233 |
| Assets per employee ($millions) | 3.4761% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 1,885 |
| Loan loss allowance to noncurrent loans | 35.6923% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 2.6713% | 380 |
| Noncurrent loans to loans | 3.9639% | 247 |
| Net loans and leases to total assets | 66.4365% | 3,040 |
| Net loans and leases to deposits | 78.5405% | 3,062 |
| Net loans and leases to core deposits | 80.0297% | 3,417 |
| Total domestic deposits to total assets | 84.5888% | 2,983 |
| Equity capital to assets | 15.2632% | 665 |
| Core capital (leverage) ratio | 15.0817% | 610 |
| Tier 1 risk-based capital ratio | 21.8728% | 1,066 |
| Total risk-based capital ratio | 23.1260% | 1,046 |
| Memoranda: | ||
| Average total assets | $24,283,330 | 5,663 |
| Average earning assets | $22,183,000 | 5,650 |
| Average equity | $3,716,330 | 5,560 |
| Average total loans | $16,556,000 | 5,511 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 1,183 |
| Cost of funding earning assets | 0.2897% | 4,145 |
| Net interest margin | 4.2913% | 805 |
| Noninterest income to average assets | 0.4122% | 3,578 |
| Noninterest expense to average assets | 4.1717% | 438 |
| Loan and lease loss provision to assets | 0.2473% | 612 |
| Net operating income to assets | -0.0989% | 5,649 |
| Return on assets (ROA) | -0.0989% | 5,653 |
| Pretax return on assets | -0.0989% | 5,643 |
| Return on Equity (ROE) | -0.6456% | 5,647 |
| Retained earnings to average equity (ytd only) | -0.6456% | 5,021 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5649% | 301 |
| Assets per employee ($millions) | 4.0207% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 2,497 |
| Loan loss allowance to noncurrent loans | 33.4361% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 2.6903% | 401 |
| Noncurrent loans to loans | 3.9146% | 271 |
| Net loans and leases to total assets | 67.8246% | 2,707 |
| Net loans and leases to deposits | 80.3358% | 2,707 |
| Net loans and leases to core deposits | 81.8755% | 3,107 |
| Total domestic deposits to total assets | 84.4263% | 3,321 |
| Equity capital to assets | 15.4120% | 576 |
| Core capital (leverage) ratio | 15.3875% | 541 |
| Tier 1 risk-based capital ratio | 21.9114% | 1,093 |
| Total risk-based capital ratio | 23.1641% | 1,071 |
| Memoranda: | ||
| Average total assets | $24,258,500 | 5,730 |
| Average earning assets | $22,091,000 | 5,716 |
| Average equity | $3,717,500 | 5,620 |
| Average total loans | $16,635,000 | 5,567 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 677 |
| Cost of funding earning assets | 0.3071% | 3,987 |
| Net interest margin | 4.6287% | 478 |
| Noninterest income to average assets | 0.2630% | 4,851 |
| Noninterest expense to average assets | 4.1999% | 487 |
| Loan and lease loss provision to assets | 0.2428% | 871 |
| Net operating income to assets | -0.0324% | 5,659 |
| Return on assets (ROA) | -0.0324% | 5,675 |
| Pretax return on assets | -0.0324% | 5,668 |
| Return on Equity (ROE) | -0.2138% | 5,674 |
| Retained earnings to average equity (ytd only) | -0.2138% | 5,338 |
| Net charge-offs to loans | 1.0524% | 177 |
| Credit loss provision to net charge-offs | 33.1492% | 3,559 |
| Earnings coverage of net charge-offs (x) | 0.2873% | 4,119 |
| Efficiency ratio | 95.2294% | 340 |
| Assets per employee ($millions) | 3.4847% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 3,059 |
| Loan loss allowance to noncurrent loans | 31.6119% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 2.6196% | 440 |
| Noncurrent loans to loans | 3.8284% | 289 |
| Net loans and leases to total assets | 67.5973% | 2,836 |
| Net loans and leases to deposits | 79.9195% | 2,898 |
| Net loans and leases to core deposits | 81.4272% | 3,265 |
| Total domestic deposits to total assets | 84.5816% | 3,214 |
| Equity capital to assets | 15.2380% | 607 |
| Core capital (leverage) ratio | 15.0096% | 599 |
| Tier 1 risk-based capital ratio | 21.6424% | 1,125 |
| Total risk-based capital ratio | 22.8308% | 1,115 |
| Memoranda: | ||
| Average total assets | $24,714,800 | 5,777 |
| Average earning assets | $22,144,600 | 5,773 |
| Average equity | $3,741,400 | 5,670 |
| Average total loans | $17,198,800 | 5,607 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0202% | 578 |
| Cost of funding earning assets | 0.3063% | 4,029 |
| Net interest margin | 4.7140% | 425 |
| Noninterest income to average assets | 0.2742% | 4,810 |
| Noninterest expense to average assets | 4.1620% | 502 |
| Loan and lease loss provision to assets | 0.3226% | 517 |
| Net operating income to assets | 0.0108% | 5,709 |
| Return on assets (ROA) | 0.0108% | 5,734 |
| Pretax return on assets | 0.0108% | 5,727 |
| Return on Equity (ROE) | 0.0712% | 5,734 |
| Retained earnings to average equity (ytd only) | 0.0712% | 5,320 |
| Net charge-offs to loans | 1.3929% | 104 |
| Credit loss provision to net charge-offs | 33.1492% | 3,202 |
| Earnings coverage of net charge-offs (x) | 0.3425% | 3,797 |
| Efficiency ratio | 92.5837% | 442 |
| Assets per employee ($millions) | 3.6144% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 3,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 4,897 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 63.5469% | 3,455 |
| Net loans and leases to deposits | 74.7223% | 3,531 |
| Net loans and leases to core deposits | 77.5404% | 3,703 |
| Total domestic deposits to total assets | 85.0441% | 2,786 |
| Equity capital to assets | 14.8136% | 786 |
| Core capital (leverage) ratio | 15.2180% | 592 |
| Tier 1 risk-based capital ratio | 21.9244% | 1,149 |
| Total risk-based capital ratio | 23.1249% | 1,131 |
| Memoranda: | ||
| Average total assets | $24,795,250 | 5,839 |
| Average earning assets | $22,203,000 | 5,835 |
| Average equity | $3,747,500 | 5,734 |
| Average total loans | $17,325,750 | 5,658 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1543% | 456 |
| Cost of funding earning assets | 0.3091% | 4,027 |
| Net interest margin | 4.8452% | 341 |
| Noninterest income to average assets | 0.2761% | 4,808 |
| Noninterest expense to average assets | 4.2718% | 459 |
| Loan and lease loss provision to assets | 0.4873% | 274 |
| Net operating income to assets | -0.1543% | 5,842 |
| Return on assets (ROA) | -0.1543% | 5,854 |
| Pretax return on assets | -0.1543% | 5,848 |
| Return on Equity (ROE) | -1.0141% | 5,840 |
| Retained earnings to average equity (ytd only) | -1.0141% | 5,440 |
| Net charge-offs to loans | 1.9124% | 72 |
| Credit loss provision to net charge-offs | 35.5030% | 2,812 |
| Earnings coverage of net charge-offs (x) | 0.2426% | 3,538 |
| Efficiency ratio | 92.7690% | 462 |
| Assets per employee ($millions) | 3.4321% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 2,892 |
| Loan loss allowance to noncurrent loans | 891.6667% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 2,926 |
| Noncurrent loans to loans | 0.1438% | 4,860 |
| Net loans and leases to total assets | 68.5952% | 2,693 |
| Net loans and leases to deposits | 81.3305% | 2,779 |
| Net loans and leases to core deposits | 84.5866% | 3,026 |
| Total domestic deposits to total assets | 84.3413% | 3,141 |
| Equity capital to assets | 15.5588% | 614 |
| Core capital (leverage) ratio | 15.2168% | 570 |
| Tier 1 risk-based capital ratio | 21.6798% | 1,172 |
| Total risk-based capital ratio | 22.9328% | 1,158 |
| Memoranda: | ||
| Average total assets | $24,626,670 | 5,916 |
| Average earning assets | $22,001,000 | 5,908 |
| Average equity | $3,747,330 | 5,801 |
| Average total loans | $17,674,330 | 5,709 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0971% | 497 |
| Cost of funding earning assets | 0.3219% | 3,922 |
| Net interest margin | 4.7752% | 377 |
| Noninterest income to average assets | 0.2728% | 4,779 |
| Noninterest expense to average assets | 4.1721% | 506 |
| Loan and lease loss provision to assets | 0.4814% | 265 |
| Net operating income to assets | -0.0963% | 5,847 |
| Return on assets (ROA) | -0.0963% | 5,865 |
| Pretax return on assets | -0.0963% | 5,861 |
| Return on Equity (ROE) | -0.6397% | 5,853 |
| Retained earnings to average equity (ytd only) | -0.6397% | 5,229 |
| Net charge-offs to loans | 3.6555% | 28 |
| Credit loss provision to net charge-offs | 18.0723% | 2,312 |
| Earnings coverage of net charge-offs (x) | 0.1446% | 2,961 |
| Efficiency ratio | 91.5493% | 579 |
| Assets per employee ($millions) | 3.4823% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 4,329 |
| Loan loss allowance to noncurrent loans | 122.2222% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.9764% | 2,267 |
| Noncurrent loans to loans | 0.8601% | 2,698 |
| Net loans and leases to total assets | 72.2104% | 2,002 |
| Net loans and leases to deposits | 85.5130% | 2,118 |
| Net loans and leases to core deposits | 88.8810% | 2,470 |
| Total domestic deposits to total assets | 84.4437% | 3,337 |
| Equity capital to assets | 15.3717% | 625 |
| Core capital (leverage) ratio | 14.8421% | 634 |
| Tier 1 risk-based capital ratio | 20.6531% | 1,375 |
| Total risk-based capital ratio | 21.7023% | 1,386 |
| Memoranda: | ||
| Average total assets | $24,927,500 | 5,971 |
| Average earning assets | $22,365,500 | 5,965 |
| Average equity | $3,752,000 | 5,848 |
| Average total loans | $18,164,500 | 5,743 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2530% | 394 |
| Cost of funding earning assets | 0.3302% | 3,908 |
| Net interest margin | 4.9228% | 291 |
| Noninterest income to average assets | -0.1658% | 6,156 |
| Noninterest expense to average assets | 4.0323% | 643 |
| Loan and lease loss provision to assets | 0.3392% | 453 |
| Net operating income to assets | -0.1545% | 5,951 |
| Return on assets (ROA) | 1.9181% | 407 |
| Pretax return on assets | 1.9181% | 644 |
| Return on Equity (ROE) | 13.9155% | 854 |
| Retained earnings to average equity (ytd only) | 13.9155% | 165 |
| Net charge-offs to loans | 0.3539% | 838 |
| Credit loss provision to net charge-offs | 134.3284% | 1,955 |
| Earnings coverage of net charge-offs (x) | 0.7313% | 4,189 |
| Efficiency ratio | 95.6211% | 415 |
| Assets per employee ($millions) | 3.6399% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7422% | 1,257 |
| Loan loss allowance to noncurrent loans | 92.5501% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.3698% | 1,532 |
| Noncurrent loans to loans | 1.8824% | 1,139 |
| Net loans and leases to total assets | 71.4981% | 2,137 |
| Net loans and leases to deposits | 84.0306% | 2,358 |
| Net loans and leases to core deposits | 87.1627% | 2,677 |
| Total domestic deposits to total assets | 85.0858% | 3,050 |
| Equity capital to assets | 14.7455% | 717 |
| Core capital (leverage) ratio | 14.5335% | 704 |
| Tier 1 risk-based capital ratio | 20.0130% | 1,480 |
| Total risk-based capital ratio | 21.2669% | 1,453 |
| Memoranda: | ||
| Average total assets | $26,536,000 | 6,008 |
| Average earning assets | $23,624,800 | 5,999 |
| Average equity | $3,657,800 | 5,906 |
| Average total loans | $18,931,600 | 5,764 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2415% | 413 |
| Cost of funding earning assets | 0.3356% | 3,913 |
| Net interest margin | 4.9058% | 308 |
| Noninterest income to average assets | -0.4179% | 6,258 |
| Noninterest expense to average assets | 4.0297% | 642 |
| Loan and lease loss provision to assets | 0.2985% | 494 |
| Net operating income to assets | -0.3831% | 6,109 |
| Return on assets (ROA) | 2.3531% | 209 |
| Pretax return on assets | 2.3531% | 314 |
| Return on Equity (ROE) | 17.3589% | 442 |
| Retained earnings to average equity (ytd only) | 17.3589% | 95 |
| Net charge-offs to loans | 0.0420% | 3,042 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | -2.8338% | 4,096 |
| Efficiency ratio | 102.1438% | 256 |
| Assets per employee ($millions) | 3.2096% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 1,129 |
| Loan loss allowance to noncurrent loans | 70.5179% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.9551% | 1,056 |
| Noncurrent loans to loans | 2.6586% | 734 |
| Net loans and leases to total assets | 72.1580% | 2,038 |
| Net loans and leases to deposits | 84.5718% | 2,334 |
| Net loans and leases to core deposits | 87.6899% | 2,685 |
| Total domestic deposits to total assets | 85.3215% | 2,873 |
| Equity capital to assets | 14.4760% | 865 |
| Core capital (leverage) ratio | 13.9538% | 878 |
| Tier 1 risk-based capital ratio | 19.2249% | 1,721 |
| Total risk-based capital ratio | 20.4834% | 1,686 |
| Memoranda: | ||
| Average total assets | $26,800,250 | 6,087 |
| Average earning assets | $23,835,000 | 6,079 |
| Average equity | $3,633,000 | 5,990 |
| Average total loans | $19,029,500 | 5,829 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2470% | 395 |
| Cost of funding earning assets | 0.3404% | 3,915 |
| Net interest margin | 4.9066% | 295 |
| Noninterest income to average assets | -0.8169% | 6,338 |
| Noninterest expense to average assets | 4.0332% | 652 |
| Loan and lease loss provision to assets | 0.2208% | 859 |
| Net operating income to assets | -0.7213% | 6,226 |
| Return on assets (ROA) | 3.3266% | 79 |
| Pretax return on assets | 3.3266% | 108 |
| Return on Equity (ROE) | 25.0763% | 118 |
| Retained earnings to average equity (ytd only) | 25.0763% | 43 |
| Net charge-offs to loans | 0.0839% | 2,205 |
| Credit loss provision to net charge-offs | 375.0000% | 778 |
| Earnings coverage of net charge-offs (x) | -8.5000% | 3,840 |
| Efficiency ratio | 114.1667% | 140 |
| Assets per employee ($millions) | 3.3269% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 1,778 |
| Loan loss allowance to noncurrent loans | 503.1250% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 4,914 |
| Noncurrent loans to loans | 0.3265% | 4,524 |
| Net loans and leases to total assets | 72.4404% | 1,907 |
| Net loans and leases to deposits | 84.2915% | 2,279 |
| Net loans and leases to core deposits | 88.1976% | 2,534 |
| Total domestic deposits to total assets | 85.9403% | 2,715 |
| Equity capital to assets | 13.9019% | 1,014 |
| Core capital (leverage) ratio | 13.3167% | 1,041 |
| Tier 1 risk-based capital ratio | 18.3667% | 1,963 |
| Total risk-based capital ratio | 19.6215% | 1,925 |
| Memoranda: | ||
| Average total assets | $27,174,670 | 6,154 |
| Average earning assets | $24,090,000 | 6,147 |
| Average equity | $3,605,000 | 6,054 |
| Average total loans | $19,078,670 | 5,886 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2622% | 374 |
| Cost of funding earning assets | 0.3475% | 3,889 |
| Net interest margin | 4.9147% | 290 |
| Noninterest income to average assets | 0.3788% | 4,168 |
| Noninterest expense to average assets | 3.5550% | 1,199 |
| Loan and lease loss provision to assets | 0.2185% | 811 |
| Net operating income to assets | 0.9325% | 2,596 |
| Return on assets (ROA) | 8.9457% | 25 |
| Pretax return on assets | 8.9457% | 36 |
| Return on Equity (ROE) | 69.0372% | 13 |
| Retained earnings to average equity (ytd only) | 69.0372% | 6 |
| Net charge-offs to loans | -0.0425% | 5,441 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5418% | 2,576 |
| Assets per employee ($millions) | 3.9813% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 1,804 |
| Loan loss allowance to noncurrent loans | 1,056.6667% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.9688% | 2,685 |
| Noncurrent loans to loans | 0.1586% | 5,210 |
| Net loans and leases to total assets | 66.7552% | 2,642 |
| Net loans and leases to deposits | 77.6850% | 2,850 |
| Net loans and leases to core deposits | 80.2900% | 3,125 |
| Total domestic deposits to total assets | 85.9306% | 2,978 |
| Equity capital to assets | 13.8756% | 1,024 |
| Core capital (leverage) ratio | 13.9514% | 838 |
| Tier 1 risk-based capital ratio | 19.2312% | 1,805 |
| Total risk-based capital ratio | 20.4838% | 1,763 |
| Memoranda: | ||
| Average total assets | $27,454,500 | 6,218 |
| Average earning assets | $24,172,500 | 6,209 |
| Average equity | $3,557,500 | 6,119 |
| Average total loans | $18,817,000 | 5,943 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5697% | 283 |
| Cost of funding earning assets | 0.4849% | 2,832 |
| Net interest margin | 5.0848% | 261 |
| Noninterest income to average assets | 0.5337% | 3,281 |
| Noninterest expense to average assets | 4.2119% | 594 |
| Loan and lease loss provision to assets | 0.1803% | 1,424 |
| Net operating income to assets | 0.5662% | 4,526 |
| Return on assets (ROA) | 0.5662% | 4,615 |
| Pretax return on assets | 0.5662% | 5,048 |
| Return on Equity (ROE) | 4.9250% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.9250% | 2,654 |
| Net charge-offs to loans | 0.4339% | 977 |
| Credit loss provision to net charge-offs | 61.7284% | 3,252 |
| Earnings coverage of net charge-offs (x) | 2.5556% | 4,123 |
| Efficiency ratio | 84.9455% | 1,293 |
| Assets per employee ($millions) | 3.3800% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6032% | 2,079 |
| Loan loss allowance to noncurrent loans | 882.3529% | 662 |
| Noncurrent assets plus other real estate owned to assets | 1.0133% | 2,724 |
| Noncurrent loans to loans | 0.1817% | 5,179 |
| Net loans and leases to total assets | 68.0954% | 2,542 |
| Net loans and leases to deposits | 77.5807% | 3,018 |
| Net loans and leases to core deposits | 80.2030% | 3,275 |
| Total domestic deposits to total assets | 87.7737% | 1,882 |
| Equity capital to assets | 12.0118% | 2,011 |
| Core capital (leverage) ratio | 11.8366% | 1,743 |
| Tier 1 risk-based capital ratio | 16.0773% | 2,926 |
| Total risk-based capital ratio | 17.3319% | 2,863 |
| Memoranda: | ||
| Average total assets | $27,731,000 | 6,298 |
| Average earning assets | $24,130,600 | 6,289 |
| Average equity | $3,187,800 | 6,232 |
| Average total loans | $18,666,000 | 6,011 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6379% | 254 |
| Cost of funding earning assets | 0.5110% | 2,651 |
| Net interest margin | 5.1268% | 232 |
| Noninterest income to average assets | 0.5352% | 3,290 |
| Noninterest expense to average assets | 4.2239% | 598 |
| Loan and lease loss provision to assets | 0.1673% | 1,480 |
| Net operating income to assets | 0.6021% | 4,440 |
| Return on assets (ROA) | 0.6021% | 4,528 |
| Pretax return on assets | 0.6021% | 5,019 |
| Return on Equity (ROE) | 5.2951% | 4,580 |
| Retained earnings to average equity (ytd only) | 5.2951% | 2,885 |
| Net charge-offs to loans | 0.6075% | 605 |
| Credit loss provision to net charge-offs | 41.1765% | 3,271 |
| Earnings coverage of net charge-offs (x) | 1.8941% | 4,047 |
| Efficiency ratio | 84.5933% | 1,318 |
| Assets per employee ($millions) | 2.7090% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 2,493 |
| Loan loss allowance to noncurrent loans | 111.5079% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.8162% | 1,630 |
| Noncurrent loans to loans | 1.3918% | 2,325 |
| Net loans and leases to total assets | 65.7992% | 2,902 |
| Net loans and leases to deposits | 74.8855% | 3,319 |
| Net loans and leases to core deposits | 77.4091% | 3,592 |
| Total domestic deposits to total assets | 87.8664% | 1,831 |
| Equity capital to assets | 11.9048% | 2,147 |
| Core capital (leverage) ratio | 11.6954% | 1,912 |
| Tier 1 risk-based capital ratio | 16.0504% | 3,035 |
| Total risk-based capital ratio | 17.3050% | 2,987 |
| Memoranda: | ||
| Average total assets | $27,903,750 | 6,367 |
| Average earning assets | $24,264,000 | 6,364 |
| Average equity | $3,172,750 | 6,304 |
| Average total loans | $18,654,250 | 6,076 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7835% | 189 |
| Cost of funding earning assets | 0.5384% | 2,451 |
| Net interest margin | 5.2451% | 184 |
| Noninterest income to average assets | 0.5324% | 3,253 |
| Noninterest expense to average assets | 4.1313% | 647 |
| Loan and lease loss provision to assets | 0.1420% | 1,743 |
| Net operating income to assets | 0.8234% | 3,217 |
| Return on assets (ROA) | 0.8234% | 3,315 |
| Pretax return on assets | 0.8234% | 4,184 |
| Return on Equity (ROE) | 7.3526% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.3526% | 1,586 |
| Net charge-offs to loans | 0.0106% | 4,045 |
| Credit loss provision to net charge-offs | 2,000.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 136.0000% | 443 |
| Efficiency ratio | 81.0585% | 1,868 |
| Assets per employee ($millions) | 2.7191% | 6,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9177% | 1,535 |
| Loan loss allowance to noncurrent loans | 479.4521% | 968 |
| Noncurrent assets plus other real estate owned to assets | 2.4824% | 1,146 |
| Noncurrent loans to loans | 0.4000% | 4,788 |
| Net loans and leases to total assets | 65.8343% | 2,775 |
| Net loans and leases to deposits | 74.8119% | 3,221 |
| Net loans and leases to core deposits | 77.3094% | 3,510 |
| Total domestic deposits to total assets | 87.9997% | 1,901 |
| Equity capital to assets | 11.8054% | 2,149 |
| Core capital (leverage) ratio | 11.5611% | 1,955 |
| Tier 1 risk-based capital ratio | 15.5891% | 3,304 |
| Total risk-based capital ratio | 16.8464% | 3,252 |
| Memoranda: | ||
| Average total assets | $28,175,000 | 6,423 |
| Average earning assets | $24,518,000 | 6,420 |
| Average equity | $3,155,330 | 6,354 |
| Average total loans | $18,837,000 | 6,121 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0278% | 139 |
| Cost of funding earning assets | 0.5916% | 2,051 |
| Net interest margin | 5.4362% | 139 |
| Noninterest income to average assets | 0.5442% | 3,085 |
| Noninterest expense to average assets | 3.9767% | 780 |
| Loan and lease loss provision to assets | 0.0698% | 2,738 |
| Net operating income to assets | 1.2418% | 1,369 |
| Return on assets (ROA) | 1.2418% | 1,426 |
| Pretax return on assets | 1.2418% | 2,310 |
| Return on Equity (ROE) | 11.3811% | 1,575 |
| Retained earnings to average equity (ytd only) | 11.3811% | 692 |
| Net charge-offs to loans | -0.1045% | 6,132 |
| Credit loss provision to net charge-offs | -100.0000% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1979% | 2,927 |
| Assets per employee ($millions) | 2.7652% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8080% | 2,012 |
| Loan loss allowance to noncurrent loans | 36.9848% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 4.3288% | 518 |
| Noncurrent loans to loans | 4.8884% | 466 |
| Net loans and leases to total assets | 66.9753% | 2,402 |
| Net loans and leases to deposits | 75.8705% | 2,825 |
| Net loans and leases to core deposits | 78.3517% | 3,165 |
| Total domestic deposits to total assets | 88.2757% | 2,067 |
| Equity capital to assets | 11.5218% | 2,227 |
| Core capital (leverage) ratio | 10.9096% | 2,477 |
| Tier 1 risk-based capital ratio | 15.2646% | 3,567 |
| Total risk-based capital ratio | 16.5211% | 3,518 |
| Memoranda: | ||
| Average total assets | $28,667,000 | 6,478 |
| Average earning assets | $25,017,500 | 6,476 |
| Average equity | $3,128,000 | 6,419 |
| Average total loans | $19,130,000 | 6,170 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3138% | 511 |
| Cost of funding earning assets | 0.7349% | 1,596 |
| Net interest margin | 4.5789% | 638 |
| Noninterest income to average assets | 0.3029% | 5,178 |
| Noninterest expense to average assets | 4.6211% | 471 |
| Loan and lease loss provision to assets | 0.0817% | 3,480 |
| Net operating income to assets | -0.5411% | 6,506 |
| Return on assets (ROA) | -0.5411% | 6,513 |
| Pretax return on assets | -0.5411% | 6,498 |
| Return on Equity (ROE) | -4.9753% | 6,485 |
| Retained earnings to average equity (ytd only) | -4.9753% | 6,369 |
| Net charge-offs to loans | 0.1332% | 3,469 |
| Credit loss provision to net charge-offs | 92.3077% | 2,695 |
| Earnings coverage of net charge-offs (x) | -5.1923% | 5,396 |
| Efficiency ratio | 111.0384% | 254 |
| Assets per employee ($millions) | 2.9682% | 5,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7063% | 2,382 |
| Loan loss allowance to noncurrent loans | 35.9002% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 4.6897% | 518 |
| Noncurrent loans to loans | 4.7528% | 549 |
| Net loans and leases to total assets | 64.2410% | 3,002 |
| Net loans and leases to deposits | 71.8057% | 3,548 |
| Net loans and leases to core deposits | 74.6828% | 3,769 |
| Total domestic deposits to total assets | 89.4650% | 1,354 |
| Equity capital to assets | 10.3430% | 3,347 |
| Core capital (leverage) ratio | 10.3427% | 3,100 |
| Tier 1 risk-based capital ratio | 14.0069% | 4,291 |
| Total risk-based capital ratio | 15.2587% | 4,229 |
| Memoranda: | ||
| Average total assets | $29,387,200 | 6,530 |
| Average earning assets | $24,765,800 | 6,556 |
| Average equity | $3,195,800 | 6,496 |
| Average total loans | $19,522,200 | 6,228 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3732% | 464 |
| Cost of funding earning assets | 0.7676% | 1,494 |
| Net interest margin | 4.6056% | 612 |
| Noninterest income to average assets | 0.2638% | 5,559 |
| Noninterest expense to average assets | 4.2528% | 657 |
| Loan and lease loss provision to assets | 0.1092% | 2,944 |
| Net operating income to assets | -0.2502% | 6,492 |
| Return on assets (ROA) | -0.2502% | 6,507 |
| Pretax return on assets | -0.2502% | 6,490 |
| Return on Equity (ROE) | -2.2722% | 6,496 |
| Retained earnings to average equity (ytd only) | -2.2722% | 6,293 |
| Net charge-offs to loans | 0.2114% | 2,560 |
| Credit loss provision to net charge-offs | 77.4194% | 2,909 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 5,011 |
| Efficiency ratio | 103.4292% | 368 |
| Assets per employee ($millions) | 2.8724% | 6,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6142% | 2,941 |
| Loan loss allowance to noncurrent loans | 50.8580% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 4.1011% | 755 |
| Noncurrent loans to loans | 3.1739% | 1,239 |
| Net loans and leases to total assets | 69.1756% | 2,107 |
| Net loans and leases to deposits | 77.9491% | 2,672 |
| Net loans and leases to core deposits | 81.2048% | 2,974 |
| Total domestic deposits to total assets | 88.7446% | 1,696 |
| Equity capital to assets | 11.0604% | 2,709 |
| Core capital (leverage) ratio | 10.9580% | 2,521 |
| Tier 1 risk-based capital ratio | 14.1730% | 4,301 |
| Total risk-based capital ratio | 15.4247% | 4,252 |
| Memoranda: | ||
| Average total assets | $29,313,500 | 6,609 |
| Average earning assets | $24,491,500 | 6,642 |
| Average equity | $3,227,250 | 6,564 |
| Average total loans | $19,553,000 | 6,294 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4764% | 388 |
| Cost of funding earning assets | 0.8223% | 1,297 |
| Net interest margin | 4.6542% | 551 |
| Noninterest income to average assets | 0.1491% | 6,305 |
| Noninterest expense to average assets | 4.3036% | 624 |
| Loan and lease loss provision to assets | 0.1084% | 2,985 |
| Net operating income to assets | -0.4270% | 6,612 |
| Return on assets (ROA) | -0.4270% | 6,633 |
| Pretax return on assets | -0.4270% | 6,602 |
| Return on Equity (ROE) | -3.8841% | 6,614 |
| Retained earnings to average equity (ytd only) | -3.8841% | 6,388 |
| Net charge-offs to loans | 0.3620% | 1,755 |
| Credit loss provision to net charge-offs | 45.7143% | 3,298 |
| Earnings coverage of net charge-offs (x) | -1.3429% | 4,734 |
| Efficiency ratio | 107.9932% | 308 |
| Assets per employee ($millions) | 2.8487% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 3,232 |
| Loan loss allowance to noncurrent loans | 82.1990% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 3.6754% | 1,009 |
| Noncurrent loans to loans | 1.9192% | 2,484 |
| Net loans and leases to total assets | 68.7682% | 2,096 |
| Net loans and leases to deposits | 77.5289% | 2,637 |
| Net loans and leases to core deposits | 79.9624% | 3,030 |
| Total domestic deposits to total assets | 88.7001% | 1,781 |
| Equity capital to assets | 11.1384% | 2,620 |
| Core capital (leverage) ratio | 10.7276% | 2,641 |
| Tier 1 risk-based capital ratio | 14.1605% | 4,316 |
| Total risk-based capital ratio | 15.4143% | 4,273 |
| Memoranda: | ||
| Average total assets | $29,510,000 | 6,653 |
| Average earning assets | $24,322,330 | 6,695 |
| Average equity | $3,244,000 | 6,612 |
| Average total loans | $19,338,670 | 6,335 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4489% | 395 |
| Cost of funding earning assets | 0.8718% | 1,132 |
| Net interest margin | 4.5771% | 584 |
| Noninterest income to average assets | 0.5862% | 3,210 |
| Noninterest expense to average assets | 4.3569% | 602 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1332% | 6,470 |
| Return on assets (ROA) | -0.1332% | 6,518 |
| Pretax return on assets | -0.1332% | 6,511 |
| Return on Equity (ROE) | -1.2197% | 6,509 |
| Retained earnings to average equity (ytd only) | -1.2197% | 5,979 |
| Net charge-offs to loans | 0.6927% | 887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.3030% | 3,893 |
| Efficiency ratio | 103.1546% | 452 |
| Assets per employee ($millions) | 2.9786% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5686% | 3,530 |
| Loan loss allowance to noncurrent loans | 70.5882% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 4.7036% | 795 |
| Noncurrent loans to loans | 2.2222% | 2,363 |
| Net loans and leases to total assets | 63.2008% | 2,851 |
| Net loans and leases to deposits | 71.1397% | 3,305 |
| Net loans and leases to core deposits | 73.2690% | 3,669 |
| Total domestic deposits to total assets | 88.8404% | 1,772 |
| Equity capital to assets | 11.0018% | 2,956 |
| Core capital (leverage) ratio | 10.7178% | 2,532 |
| Tier 1 risk-based capital ratio | 14.4281% | 4,225 |
| Total risk-based capital ratio | 15.6798% | 4,191 |
| Memoranda: | ||
| Average total assets | $30,021,500 | 6,704 |
| Average earning assets | $23,858,000 | 6,770 |
| Average equity | $3,279,500 | 6,665 |
| Average total loans | $19,056,000 | 6,408 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5120% | 606 |
| Cost of funding earning assets | 0.9394% | 1,712 |
| Net interest margin | 4.5725% | 819 |
| Noninterest income to average assets | 0.7022% | 2,708 |
| Noninterest expense to average assets | 4.4462% | 603 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1376% | 5,918 |
| Return on assets (ROA) | 0.1376% | 6,075 |
| Pretax return on assets | 0.1376% | 6,089 |
| Return on Equity (ROE) | 1.1965% | 6,089 |
| Retained earnings to average equity (ytd only) | 1.1965% | 5,276 |
| Net charge-offs to loans | 1.8193% | 441 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.1108% | 5,436 |
| Efficiency ratio | 96.9977% | 662 |
| Assets per employee ($millions) | 3.0257% | 5,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 2,743 |
| Loan loss allowance to noncurrent loans | 85.3846% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 4.5147% | 912 |
| Noncurrent loans to loans | 2.0540% | 2,637 |
| Net loans and leases to total assets | 61.6518% | 3,305 |
| Net loans and leases to deposits | 69.3406% | 3,787 |
| Net loans and leases to core deposits | 71.3756% | 4,120 |
| Total domestic deposits to total assets | 88.9117% | 1,625 |
| Equity capital to assets | 10.8471% | 3,123 |
| Core capital (leverage) ratio | 10.8614% | 2,377 |
| Tier 1 risk-based capital ratio | 14.5885% | 3,967 |
| Total risk-based capital ratio | 15.8409% | 3,923 |
| Memoranda: | ||
| Average total assets | $28,339,000 | 6,798 |
| Average earning assets | $24,056,800 | 6,815 |
| Average equity | $3,259,400 | 6,732 |
| Average total loans | $19,348,400 | 6,453 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4934% | 685 |
| Cost of funding earning assets | 0.9414% | 1,903 |
| Net interest margin | 4.5520% | 899 |
| Noninterest income to average assets | 0.6796% | 2,815 |
| Noninterest expense to average assets | 4.4269% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1867% | 5,949 |
| Return on assets (ROA) | 0.1867% | 6,110 |
| Pretax return on assets | 0.1867% | 6,148 |
| Return on Equity (ROE) | 1.5982% | 6,129 |
| Retained earnings to average equity (ytd only) | 1.5982% | 5,536 |
| Net charge-offs to loans | 2.0509% | 344 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.1304% | 5,270 |
| Efficiency ratio | 95.9544% | 679 |
| Assets per employee ($millions) | 2.5913% | 6,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9746% | 2,244 |
| Loan loss allowance to noncurrent loans | 52.0216% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 5.3782% | 801 |
| Noncurrent loans to loans | 3.7958% | 1,396 |
| Net loans and leases to total assets | 67.2257% | 2,418 |
| Net loans and leases to deposits | 76.1606% | 2,955 |
| Net loans and leases to core deposits | 78.5553% | 3,381 |
| Total domestic deposits to total assets | 88.2683% | 1,867 |
| Equity capital to assets | 11.5142% | 2,727 |
| Core capital (leverage) ratio | 11.2221% | 2,198 |
| Tier 1 risk-based capital ratio | 14.6153% | 4,107 |
| Total risk-based capital ratio | 15.8700% | 4,074 |
| Memoranda: | ||
| Average total assets | $27,859,500 | 6,896 |
| Average earning assets | $24,076,500 | 6,902 |
| Average equity | $3,253,750 | 6,822 |
| Average total loans | $19,438,750 | 6,535 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4623% | 781 |
| Cost of funding earning assets | 0.9228% | 2,239 |
| Net interest margin | 4.5394% | 927 |
| Noninterest income to average assets | 0.6077% | 3,210 |
| Noninterest expense to average assets | 4.4204% | 592 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1375% | 6,072 |
| Return on assets (ROA) | 0.1375% | 6,237 |
| Pretax return on assets | 0.1375% | 6,243 |
| Return on Equity (ROE) | 1.1713% | 6,268 |
| Retained earnings to average equity (ytd only) | 1.1713% | 5,606 |
| Net charge-offs to loans | 3.0821% | 188 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.0635% | 5,051 |
| Efficiency ratio | 96.9841% | 658 |
| Assets per employee ($millions) | 2.6298% | 6,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9931% | 2,249 |
| Loan loss allowance to noncurrent loans | 54.6742% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 5.1749% | 903 |
| Noncurrent loans to loans | 3.6454% | 1,567 |
| Net loans and leases to total assets | 65.6146% | 2,748 |
| Net loans and leases to deposits | 74.1387% | 3,273 |
| Net loans and leases to core deposits | 78.7953% | 3,397 |
| Total domestic deposits to total assets | 88.5025% | 1,813 |
| Equity capital to assets | 11.2728% | 2,827 |
| Core capital (leverage) ratio | 11.2922% | 2,051 |
| Tier 1 risk-based capital ratio | 14.4987% | 4,107 |
| Total risk-based capital ratio | 15.7559% | 4,062 |
| Memoranda: | ||
| Average total assets | $27,644,670 | 6,957 |
| Average earning assets | $24,056,000 | 6,958 |
| Average equity | $3,244,330 | 6,862 |
| Average total loans | $19,402,330 | 6,587 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6688% | 551 |
| Cost of funding earning assets | 0.8708% | 2,908 |
| Net interest margin | 4.7980% | 565 |
| Noninterest income to average assets | 0.6962% | 2,676 |
| Noninterest expense to average assets | 4.6069% | 501 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2518% | 5,813 |
| Return on assets (ROA) | 0.2518% | 5,962 |
| Pretax return on assets | 0.2518% | 6,079 |
| Return on Equity (ROE) | 2.1014% | 6,044 |
| Retained earnings to average equity (ytd only) | 2.1014% | 5,219 |
| Net charge-offs to loans | 2.0597% | 450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.1700% | 4,287 |
| Efficiency ratio | 94.8171% | 783 |
| Assets per employee ($millions) | 2.5153% | 6,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0284% | 810 |
| Loan loss allowance to noncurrent loans | 54.3175% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 6.7515% | 648 |
| Noncurrent loans to loans | 5.5754% | 951 |
| Net loans and leases to total assets | 67.7028% | 2,167 |
| Net loans and leases to deposits | 76.9029% | 2,689 |
| Net loans and leases to core deposits | 81.9961% | 2,840 |
| Total domestic deposits to total assets | 88.0367% | 2,297 |
| Equity capital to assets | 11.7500% | 2,218 |
| Core capital (leverage) ratio | 12.1359% | 1,514 |
| Tier 1 risk-based capital ratio | 14.6774% | 3,968 |
| Total risk-based capital ratio | 15.9463% | 3,918 |
| Memoranda: | ||
| Average total assets | $27,003,000 | 7,024 |
| Average earning assets | $23,426,500 | 7,035 |
| Average equity | $3,236,000 | 6,915 |
| Average total loans | $19,420,000 | 6,639 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0747% | 381 |
| Cost of funding earning assets | 0.9876% | 3,465 |
| Net interest margin | 5.0871% | 349 |
| Noninterest income to average assets | 1.1141% | 1,066 |
| Noninterest expense to average assets | 4.4303% | 626 |
| Loan and lease loss provision to assets | 1.3777% | 570 |
| Net operating income to assets | -0.2562% | 6,304 |
| Return on assets (ROA) | -0.2005% | 6,329 |
| Pretax return on assets | -0.2005% | 6,285 |
| Return on Equity (ROE) | -1.6516% | 6,307 |
| Retained earnings to average equity (ytd only) | -1.8963% | 6,142 |
| Net charge-offs to loans | 0.7335% | 2,318 |
| Credit loss provision to net charge-offs | 247.3333% | 979 |
| Earnings coverage of net charge-offs (x) | 2.0133% | 4,268 |
| Efficiency ratio | 79.7993% | 2,327 |
| Assets per employee ($millions) | 2.6338% | 6,679 |
| Cash dividends to net income (ytd only)* | -14.8148% | 7,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5087% | 534 |
| Loan loss allowance to noncurrent loans | 69.4022% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 5.9686% | 820 |
| Noncurrent loans to loans | 5.0556% | 1,110 |
| Net loans and leases to total assets | 71.5240% | 1,728 |
| Net loans and leases to deposits | 81.7941% | 2,230 |
| Net loans and leases to core deposits | 104.6265% | 865 |
| Total domestic deposits to total assets | 87.4440% | 2,499 |
| Equity capital to assets | 12.2295% | 1,951 |
| Core capital (leverage) ratio | 11.8078% | 1,704 |
| Tier 1 risk-based capital ratio | 14.7389% | 3,801 |
| Total risk-based capital ratio | 16.0152% | 3,762 |
| Memoranda: | ||
| Average total assets | $26,928,000 | 7,052 |
| Average earning assets | $23,491,000 | 7,062 |
| Average equity | $3,269,600 | 6,944 |
| Average total loans | $20,448,800 | 6,639 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9948% | 466 |
| Cost of funding earning assets | 1.0141% | 3,580 |
| Net interest margin | 4.9806% | 432 |
| Noninterest income to average assets | 0.8765% | 1,735 |
| Noninterest expense to average assets | 4.5748% | 541 |
| Loan and lease loss provision to assets | 0.0985% | 5,227 |
| Net operating income to assets | 0.5564% | 4,289 |
| Return on assets (ROA) | 0.6303% | 4,144 |
| Pretax return on assets | 0.6303% | 4,714 |
| Return on Equity (ROE) | 5.2003% | 4,450 |
| Retained earnings to average equity (ytd only) | 4.8754% | 3,258 |
| Net charge-offs to loans | 0.5609% | 2,558 |
| Credit loss provision to net charge-offs | 22.9885% | 5,522 |
| Earnings coverage of net charge-offs (x) | 1.5287% | 4,492 |
| Efficiency ratio | 87.4765% | 1,389 |
| Assets per employee ($millions) | 2.4349% | 6,953 |
| Cash dividends to net income (ytd only)* | 6.2522% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9757% | 2,400 |
| Loan loss allowance to noncurrent loans | 40.5102% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 5.5257% | 1,005 |
| Noncurrent loans to loans | 4.8771% | 1,299 |
| Net loans and leases to total assets | 73.5402% | 1,406 |
| Net loans and leases to deposits | 84.5401% | 1,913 |
| Net loans and leases to core deposits | 121.9704% | 339 |
| Total domestic deposits to total assets | 86.9885% | 2,667 |
| Equity capital to assets | 12.6456% | 1,824 |
| Core capital (leverage) ratio | 12.2516% | 1,562 |
| Tier 1 risk-based capital ratio | 15.1431% | 3,584 |
| Total risk-based capital ratio | 16.4008% | 3,543 |
| Memoranda: | ||
| Average total assets | $27,075,500 | 7,118 |
| Average earning assets | $23,664,500 | 7,128 |
| Average equity | $3,281,750 | 6,996 |
| Average total loans | $20,680,250 | 6,689 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0301% | 455 |
| Cost of funding earning assets | 1.0458% | 3,636 |
| Net interest margin | 4.9843% | 408 |
| Noninterest income to average assets | 0.7581% | 2,219 |
| Noninterest expense to average assets | 4.5560% | 559 |
| Loan and lease loss provision to assets | 0.5815% | 1,663 |
| Net operating income to assets | -0.0294% | 6,270 |
| Return on assets (ROA) | 0.0736% | 6,153 |
| Pretax return on assets | 0.0736% | 6,143 |
| Return on Equity (ROE) | 0.6160% | 6,167 |
| Retained earnings to average equity (ytd only) | 0.1232% | 5,787 |
| Net charge-offs to loans | 0.8718% | 1,774 |
| Credit loss provision to net charge-offs | 86.8132% | 3,561 |
| Earnings coverage of net charge-offs (x) | 0.8242% | 4,685 |
| Efficiency ratio | 89.1931% | 1,304 |
| Assets per employee ($millions) | 2.4699% | 6,950 |
| Cash dividends to net income (ytd only)* | 80.0000% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2025% | 1,917 |
| Loan loss allowance to noncurrent loans | 45.5645% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 6.7982% | 768 |
| Noncurrent loans to loans | 4.8338% | 1,365 |
| Net loans and leases to total assets | 73.8710% | 1,440 |
| Net loans and leases to deposits | 84.5231% | 2,029 |
| Net loans and leases to core deposits | 133.0284% | 237 |
| Total domestic deposits to total assets | 87.3974% | 2,523 |
| Equity capital to assets | 11.9879% | 2,097 |
| Core capital (leverage) ratio | 11.8977% | 1,674 |
| Tier 1 risk-based capital ratio | 14.0836% | 4,108 |
| Total risk-based capital ratio | 15.3447% | 4,071 |
| Memoranda: | ||
| Average total assets | $27,172,670 | 7,182 |
| Average earning assets | $23,714,330 | 7,193 |
| Average equity | $3,246,670 | 7,056 |
| Average total loans | $20,875,670 | 6,750 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0677% | 427 |
| Cost of funding earning assets | 1.1199% | 3,379 |
| Net interest margin | 4.9478% | 417 |
| Noninterest income to average assets | 0.7213% | 2,441 |
| Noninterest expense to average assets | 4.5631% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5152% | 4,430 |
| Return on assets (ROA) | 0.7213% | 3,490 |
| Pretax return on assets | 0.7213% | 4,216 |
| Return on Equity (ROE) | 6.0466% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.0594% | 3,149 |
| Net charge-offs to loans | 0.8360% | 1,574 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.7955% | 4,043 |
| Efficiency ratio | 89.8551% | 1,346 |
| Assets per employee ($millions) | 2.4476% | 7,057 |
| Cash dividends to net income (ytd only)* | 16.3265% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0088% | 2,398 |
| Loan loss allowance to noncurrent loans | 33.0448% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 8.7171% | 516 |
| Noncurrent loans to loans | 6.0790% | 1,037 |
| Net loans and leases to total assets | 76.0957% | 1,022 |
| Net loans and leases to deposits | 87.0866% | 1,584 |
| Net loans and leases to core deposits | 137.7993% | 209 |
| Total domestic deposits to total assets | 87.3793% | 2,723 |
| Equity capital to assets | 12.1713% | 1,813 |
| Core capital (leverage) ratio | 11.8433% | 1,654 |
| Tier 1 risk-based capital ratio | 14.1019% | 4,004 |
| Total risk-based capital ratio | 15.3582% | 3,972 |
| Memoranda: | ||
| Average total assets | $27,174,500 | 7,231 |
| Average earning assets | $23,930,000 | 7,229 |
| Average equity | $3,241,500 | 7,098 |
| Average total loans | $21,052,500 | 6,793 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0277% | 801 |
| Cost of funding earning assets | 1.3116% | 3,804 |
| Net interest margin | 4.7161% | 791 |
| Noninterest income to average assets | 0.7215% | 2,700 |
| Noninterest expense to average assets | 4.6012% | 592 |
| Loan and lease loss provision to assets | 0.3018% | 4,393 |
| Net operating income to assets | 0.0405% | 5,729 |
| Return on assets (ROA) | 0.0405% | 5,868 |
| Pretax return on assets | 0.0405% | 5,813 |
| Return on Equity (ROE) | 0.3402% | 5,874 |
| Retained earnings to average equity (ytd only) | 0.3402% | 5,412 |
| Net charge-offs to loans | 0.1853% | 5,194 |
| Credit loss provision to net charge-offs | 210.2564% | 1,460 |
| Earnings coverage of net charge-offs (x) | 2.3846% | 3,945 |
| Efficiency ratio | 93.0752% | 1,116 |
| Assets per employee ($millions) | 2.4932% | 7,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1890% | 1,890 |
| Loan loss allowance to noncurrent loans | 45.9861% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 7.7666% | 654 |
| Noncurrent loans to loans | 4.7601% | 1,452 |
| Net loans and leases to total assets | 75.5989% | 1,350 |
| Net loans and leases to deposits | 86.1685% | 2,063 |
| Net loans and leases to core deposits | 140.3534% | 225 |
| Total domestic deposits to total assets | 87.7338% | 2,403 |
| Equity capital to assets | 11.6901% | 2,133 |
| Core capital (leverage) ratio | 11.5791% | 1,796 |
| Tier 1 risk-based capital ratio | 13.7373% | 4,031 |
| Total risk-based capital ratio | 14.9983% | 4,002 |
| Memoranda: | ||
| Average total assets | $27,166,600 | 7,289 |
| Average earning assets | $24,321,000 | 7,277 |
| Average equity | $3,233,400 | 7,212 |
| Average total loans | $21,048,200 | 6,867 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9374% | 1,058 |
| Cost of funding earning assets | 1.3395% | 3,979 |
| Net interest margin | 4.5980% | 1,048 |
| Noninterest income to average assets | 0.7084% | 2,776 |
| Noninterest expense to average assets | 4.5014% | 593 |
| Loan and lease loss provision to assets | 0.4034% | 3,488 |
| Net operating income to assets | -0.0590% | 6,115 |
| Return on assets (ROA) | -0.0590% | 6,224 |
| Pretax return on assets | -0.0590% | 6,178 |
| Return on Equity (ROE) | -0.4938% | 6,211 |
| Retained earnings to average equity (ytd only) | -0.4938% | 5,914 |
| Net charge-offs to loans | 0.2475% | 4,455 |
| Credit loss provision to net charge-offs | 210.2564% | 1,669 |
| Earnings coverage of net charge-offs (x) | 1.7948% | 4,367 |
| Efficiency ratio | 92.8934% | 1,064 |
| Assets per employee ($millions) | 2.5399% | 7,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1576% | 1,876 |
| Loan loss allowance to noncurrent loans | 56.1064% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 7.0654% | 762 |
| Noncurrent loans to loans | 3.8456% | 1,987 |
| Net loans and leases to total assets | 75.3105% | 1,529 |
| Net loans and leases to deposits | 85.7486% | 2,399 |
| Net loans and leases to core deposits | 137.9828% | 281 |
| Total domestic deposits to total assets | 87.8271% | 2,072 |
| Equity capital to assets | 11.5788% | 2,471 |
| Core capital (leverage) ratio | 11.4471% | 1,971 |
| Tier 1 risk-based capital ratio | 13.4160% | 4,255 |
| Total risk-based capital ratio | 14.6732% | 4,213 |
| Memoranda: | ||
| Average total assets | $27,102,000 | 7,379 |
| Average earning assets | $24,387,000 | 7,365 |
| Average equity | $3,240,250 | 7,300 |
| Average total loans | $21,011,000 | 6,959 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9988% | 951 |
| Cost of funding earning assets | 1.3578% | 4,142 |
| Net interest margin | 4.6411% | 912 |
| Noninterest income to average assets | 0.7904% | 2,170 |
| Noninterest expense to average assets | 4.4589% | 605 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5369% | 4,164 |
| Return on assets (ROA) | 0.5369% | 4,310 |
| Pretax return on assets | 0.5369% | 4,792 |
| Return on Equity (ROE) | 4.4417% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.4417% | 3,245 |
| Net charge-offs to loans | 0.2878% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 3,797 |
| Efficiency ratio | 89.2537% | 1,397 |
| Assets per employee ($millions) | 2.5039% | 7,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8271% | 2,642 |
| Loan loss allowance to noncurrent loans | 33.4474% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 6.8802% | 779 |
| Noncurrent loans to loans | 5.4626% | 1,209 |
| Net loans and leases to total assets | 76.2771% | 1,433 |
| Net loans and leases to deposits | 86.8571% | 2,367 |
| Net loans and leases to core deposits | 140.9622% | 279 |
| Total domestic deposits to total assets | 87.8190% | 2,094 |
| Equity capital to assets | 11.9413% | 2,132 |
| Core capital (leverage) ratio | 12.0616% | 1,613 |
| Tier 1 risk-based capital ratio | 14.0146% | 3,722 |
| Total risk-based capital ratio | 15.2684% | 3,685 |
| Memoranda: | ||
| Average total assets | $26,823,000 | 7,445 |
| Average earning assets | $24,304,670 | 7,428 |
| Average equity | $3,242,000 | 7,341 |
| Average total loans | $20,846,330 | 7,020 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8885% | 1,223 |
| Cost of funding earning assets | 1.3933% | 4,223 |
| Net interest margin | 4.4951% | 1,155 |
| Noninterest income to average assets | 0.6500% | 2,936 |
| Noninterest expense to average assets | 4.6253% | 502 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1209% | 5,965 |
| Return on assets (ROA) | 0.1209% | 6,079 |
| Pretax return on assets | 0.1209% | 6,086 |
| Return on Equity (ROE) | 0.9943% | 6,118 |
| Retained earnings to average equity (ytd only) | 0.9943% | 5,418 |
| Net charge-offs to loans | 0.5834% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.2667% | 4,808 |
| Efficiency ratio | 97.4522% | 945 |
| Assets per employee ($millions) | 2.3937% | 7,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9065% | 2,419 |
| Loan loss allowance to noncurrent loans | 39.3360% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 6.5322% | 870 |
| Noncurrent loans to loans | 4.8467% | 1,514 |
| Net loans and leases to total assets | 76.4042% | 1,454 |
| Net loans and leases to deposits | 89.2705% | 2,021 |
| Net loans and leases to core deposits | 119.1260% | 818 |
| Total domestic deposits to total assets | 85.5873% | 3,366 |
| Equity capital to assets | 12.2251% | 1,919 |
| Core capital (leverage) ratio | 12.1070% | 1,596 |
| Tier 1 risk-based capital ratio | 14.3183% | 3,480 |
| Total risk-based capital ratio | 15.5756% | 3,443 |
| Memoranda: | ||
| Average total assets | $26,463,000 | 7,543 |
| Average earning assets | $24,115,000 | 7,529 |
| Average equity | $3,218,500 | 7,431 |
| Average total loans | $20,569,500 | 7,123 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1688% | 1,324 |
| Cost of funding earning assets | 1.6054% | 5,001 |
| Net interest margin | 4.5634% | 1,049 |
| Noninterest income to average assets | 0.6688% | 3,164 |
| Noninterest expense to average assets | 4.6395% | 690 |
| Loan and lease loss provision to assets | 0.4228% | 4,292 |
| Net operating income to assets | -0.2306% | 5,877 |
| Return on assets (ROA) | -0.5689% | 6,241 |
| Pretax return on assets | -0.5689% | 6,068 |
| Return on Equity (ROE) | -4.5741% | 6,177 |
| Retained earnings to average equity (ytd only) | -6.4594% | 6,190 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0223% | 1,315 |
| Assets per employee ($millions) | 2.4177% | 7,329 |
| Cash dividends to net income (ytd only)* | -41.2162% | 7,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0407% | 1,938 |
| Loan loss allowance to noncurrent loans | 31.2315% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 6.9111% | 737 |
| Noncurrent loans to loans | 6.5342% | 914 |
| Net loans and leases to total assets | 75.9880% | 1,800 |
| Net loans and leases to deposits | 87.2808% | 2,685 |
| Net loans and leases to core deposits | 107.9252% | 3,108 |
| Total domestic deposits to total assets | 87.0615% | 2,465 |
| Equity capital to assets | 12.1000% | 1,979 |
| Core capital (leverage) ratio | 11.8613% | 1,731 |
| Tier 1 risk-based capital ratio | 14.3946% | 3,267 |
| Total risk-based capital ratio | 15.6528% | 3,215 |
| Memoranda: | ||
| Average total assets | $26,015,800 | 7,608 |
| Average earning assets | $23,732,400 | 7,592 |
| Average equity | $3,235,600 | 7,520 |
| Average total loans | $19,479,000 | 7,227 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1396% | 1,526 |
| Cost of funding earning assets | 1.6493% | 5,167 |
| Net interest margin | 4.4903% | 1,219 |
| Noninterest income to average assets | 0.6803% | 3,156 |
| Noninterest expense to average assets | 4.6022% | 660 |
| Loan and lease loss provision to assets | 0.5669% | 3,118 |
| Net operating income to assets | -0.3917% | 6,311 |
| Return on assets (ROA) | -0.8452% | 6,721 |
| Pretax return on assets | -0.8452% | 6,566 |
| Return on Equity (ROE) | -6.7488% | 6,638 |
| Retained earnings to average equity (ytd only) | -9.2590% | 6,728 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3323% | 1,258 |
| Assets per employee ($millions) | 2.4546% | 7,298 |
| Cash dividends to net income (ytd only)* | -37.1947% | 7,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0766% | 1,635 |
| Loan loss allowance to noncurrent loans | 55.9840% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 4.5332% | 1,340 |
| Noncurrent loans to loans | 3.7092% | 2,007 |
| Net loans and leases to total assets | 73.5269% | 2,659 |
| Net loans and leases to deposits | 83.8812% | 3,668 |
| Net loans and leases to core deposits | 106.7079% | 3,621 |
| Total domestic deposits to total assets | 87.6560% | 1,825 |
| Equity capital to assets | 11.9810% | 2,247 |
| Core capital (leverage) ratio | 12.0917% | 1,760 |
| Tier 1 risk-based capital ratio | 14.6881% | 3,184 |
| Total risk-based capital ratio | 15.9460% | 3,126 |
| Memoranda: | ||
| Average total assets | $25,871,000 | 7,684 |
| Average earning assets | $23,605,750 | 7,669 |
| Average equity | $3,240,000 | 7,587 |
| Average total loans | $19,191,250 | 7,307 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1649% | 1,577 |
| Cost of funding earning assets | 1.6915% | 5,314 |
| Net interest margin | 4.4734% | 1,234 |
| Noninterest income to average assets | 0.6668% | 3,214 |
| Noninterest expense to average assets | 4.5108% | 772 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2432% | 5,113 |
| Return on assets (ROA) | 0.2510% | 5,178 |
| Pretax return on assets | 0.2510% | 5,325 |
| Return on Equity (ROE) | 1.9743% | 5,308 |
| Retained earnings to average equity (ytd only) | -1.7892% | 5,692 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8845% | 1,453 |
| Assets per employee ($millions) | 2.1520% | 7,725 |
| Cash dividends to net income (ytd only)* | 190.6250% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 2,874 |
| Loan loss allowance to noncurrent loans | 75.4854% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 3.4232% | 1,827 |
| Noncurrent loans to loans | 2.0798% | 3,415 |
| Net loans and leases to total assets | 75.5073% | 2,311 |
| Net loans and leases to deposits | 86.8204% | 3,383 |
| Net loans and leases to core deposits | 110.9979% | 3,253 |
| Total domestic deposits to total assets | 86.9695% | 2,274 |
| Equity capital to assets | 12.6549% | 1,853 |
| Core capital (leverage) ratio | 13.4810% | 1,278 |
| Tier 1 risk-based capital ratio | 15.7482% | 2,711 |
| Total risk-based capital ratio | 16.9998% | 2,646 |
| Memoranda: | ||
| Average total assets | $25,494,330 | 7,775 |
| Average earning assets | $23,293,000 | 7,754 |
| Average equity | $3,241,670 | 7,651 |
| Average total loans | $18,830,330 | 7,405 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0015% | 2,357 |
| Cost of funding earning assets | 1.7641% | 5,295 |
| Net interest margin | 4.2374% | 1,786 |
| Noninterest income to average assets | 0.6475% | 3,213 |
| Noninterest expense to average assets | 4.5796% | 658 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0632% | 6,349 |
| Return on assets (ROA) | -0.0316% | 6,434 |
| Pretax return on assets | -0.0316% | 6,414 |
| Return on Equity (ROE) | -0.2478% | 6,437 |
| Retained earnings to average equity (ytd only) | -7.8055% | 6,894 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3986% | 1,070 |
| Assets per employee ($millions) | 2.0203% | 7,878 |
| Cash dividends to net income (ytd only)* | -3,050.0000% | 8,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6780% | 2,215 |
| Loan loss allowance to noncurrent loans | 136.4035% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 2.8874% | 1,975 |
| Noncurrent loans to loans | 1.2302% | 4,510 |
| Net loans and leases to total assets | 75.1681% | 2,463 |
| Net loans and leases to deposits | 87.0872% | 3,453 |
| Net loans and leases to core deposits | 106.9174% | 3,806 |
| Total domestic deposits to total assets | 86.3136% | 2,546 |
| Equity capital to assets | 13.2781% | 1,629 |
| Core capital (leverage) ratio | 13.2555% | 1,401 |
| Tier 1 risk-based capital ratio | 16.4304% | 2,537 |
| Total risk-based capital ratio | 17.6856% | 2,480 |
| Memoranda: | ||
| Average total assets | $25,329,500 | 7,820 |
| Average earning assets | $23,127,500 | 7,801 |
| Average equity | $3,228,500 | 7,708 |
| Average total loans | $18,340,500 | 7,470 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6937% | 2,044 |
| Cost of funding earning assets | 2.2441% | 5,398 |
| Net interest margin | 4.4496% | 1,538 |
| Noninterest income to average assets | 0.5896% | 3,922 |
| Noninterest expense to average assets | 4.2688% | 1,081 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3970% | 5,160 |
| Return on assets (ROA) | 0.4167% | 4,900 |
| Pretax return on assets | 0.4167% | 5,211 |
| Return on Equity (ROE) | 3.2454% | 5,139 |
| Retained earnings to average equity (ytd only) | 0.6736% | 4,827 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4912% | 1,412 |
| Assets per employee ($millions) | 2.2013% | 7,708 |
| Cash dividends to net income (ytd only)* | 79.2453% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7138% | 1,869 |
| Loan loss allowance to noncurrent loans | 135.2174% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 2.6575% | 1,798 |
| Noncurrent loans to loans | 1.2674% | 3,974 |
| Net loans and leases to total assets | 67.5197% | 4,552 |
| Net loans and leases to deposits | 77.3461% | 5,426 |
| Net loans and leases to core deposits | 94.8320% | 5,376 |
| Total domestic deposits to total assets | 87.2956% | 1,799 |
| Equity capital to assets | 12.2577% | 2,133 |
| Core capital (leverage) ratio | 12.9090% | 1,576 |
| Tier 1 risk-based capital ratio | 16.5507% | 2,469 |
| Total risk-based capital ratio | 17.8062% | 2,398 |
| Memoranda: | ||
| Average total assets | $25,440,200 | 7,827 |
| Average earning assets | $23,305,400 | 7,811 |
| Average equity | $3,266,200 | 7,760 |
| Average total loans | $17,262,000 | 7,503 |