Home > Lovelady State Bank > Performance and Condition Ratios
Lovelady State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4401% | 1,245 |
| Cost of funding earning assets | 0.5433% | 4,151 |
| Net interest margin | 4.8967% | 365 |
| Noninterest income to average assets | 1.0100% | 626 |
| Noninterest expense to average assets | 3.4633% | 601 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.7432% | 673 |
| Return on assets (ROA) | 1.7432% | 642 |
| Pretax return on assets | 1.7432% | 976 |
| Return on Equity (ROE) | 17.9000% | 833 |
| Retained earnings to average equity (ytd only) | 12.2524% | 613 |
| Net charge-offs to loans | 0.0550% | 1,310 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 79.3333% | 1,028 |
| Efficiency ratio | 65.4321% | 2,424 |
| Assets per employee ($millions) | 4.5498% | 3,922 |
| Cash dividends to net income (ytd only)* | 31.5325% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 986 |
| Loan loss allowance to noncurrent loans | 177.4359% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 565 |
| Noncurrent loans to loans | 0.8598% | 888 |
| Net loans and leases to total assets | 44.6300% | 3,876 |
| Net loans and leases to deposits | 50.9141% | 3,918 |
| Net loans and leases to core deposits | 53.5100% | 3,988 |
| Total domestic deposits to total assets | 87.6500% | 1,472 |
| Equity capital to assets | 10.9695% | 1,496 |
| Core capital (leverage) ratio | 11.9906% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2502% | 523 |
| Memoranda: | ||
| Average total assets | $52,031,200 | 4,302 |
| Average earning assets | $45,458,800 | 4,294 |
| Average equity | $5,068,400 | 4,255 |
| Average total loans | $21,838,000 | 4,273 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3461% | 1,214 |
| Cost of funding earning assets | 0.5163% | 4,110 |
| Net interest margin | 4.8298% | 394 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 3.2440% | 772 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.5357% | 1,053 |
| Return on assets (ROA) | 1.5357% | 1,040 |
| Pretax return on assets | 1.5357% | 1,496 |
| Return on Equity (ROE) | 16.2500% | 1,212 |
| Retained earnings to average equity (ytd only) | 16.2532% | 446 |
| Net charge-offs to loans | 0.0740% | 958 |
| Credit loss provision to net charge-offs | 375.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 54.1667% | 1,265 |
| Efficiency ratio | 66.2863% | 2,240 |
| Assets per employee ($millions) | 4.6022% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 903 |
| Loan loss allowance to noncurrent loans | 214.9068% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 1.1082% | 432 |
| Noncurrent loans to loans | 0.7399% | 1,115 |
| Net loans and leases to total assets | 42.3000% | 3,981 |
| Net loans and leases to deposits | 47.9040% | 4,011 |
| Net loans and leases to core deposits | 50.2865% | 4,033 |
| Total domestic deposits to total assets | 88.3100% | 1,470 |
| Equity capital to assets | 10.3844% | 1,604 |
| Core capital (leverage) ratio | 11.9061% | 1,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8335% | 499 |
| Memoranda: | ||
| Average total assets | $52,527,000 | 4,311 |
| Average earning assets | $45,963,750 | 4,311 |
| Average equity | $4,963,000 | 4,275 |
| Average total loans | $21,627,500 | 4,292 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2100% | 1,201 |
| Cost of funding earning assets | 0.5009% | 3,974 |
| Net interest margin | 4.7091% | 452 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 3.2655% | 723 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.4635% | 1,182 |
| Return on assets (ROA) | 1.4635% | 1,167 |
| Pretax return on assets | 1.4635% | 1,667 |
| Return on Equity (ROE) | 15.9900% | 1,267 |
| Retained earnings to average equity (ytd only) | 15.9918% | 474 |
| Net charge-offs to loans | 0.0556% | 971 |
| Credit loss provision to net charge-offs | 250.0000% | 955 |
| Earnings coverage of net charge-offs (x) | 67.3333% | 1,126 |
| Efficiency ratio | 68.2390% | 1,959 |
| Assets per employee ($millions) | 4.7332% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 1,332 |
| Loan loss allowance to noncurrent loans | 266.1157% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 1.0007% | 463 |
| Noncurrent loans to loans | 0.5466% | 1,365 |
| Net loans and leases to total assets | 41.9000% | 3,969 |
| Net loans and leases to deposits | 47.0699% | 4,016 |
| Net loans and leases to core deposits | 50.1540% | 4,014 |
| Total domestic deposits to total assets | 89.0200% | 1,253 |
| Equity capital to assets | 9.7666% | 1,990 |
| Core capital (leverage) ratio | 11.1254% | 1,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6590% | 582 |
| Memoranda: | ||
| Average total assets | $53,161,333 | 4,322 |
| Average earning assets | $46,718,000 | 4,325 |
| Average equity | $4,865,000 | 4,301 |
| Average total loans | $21,583,000 | 4,310 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9913% | 1,238 |
| Cost of funding earning assets | 0.4340% | 3,872 |
| Net interest margin | 4.5573% | 536 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 3.1428% | 875 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5193% | 1,148 |
| Return on assets (ROA) | 1.5193% | 1,130 |
| Pretax return on assets | 1.5193% | 1,628 |
| Return on Equity (ROE) | 17.1600% | 1,146 |
| Retained earnings to average equity (ytd only) | 17.1609% | 579 |
| Net charge-offs to loans | -0.0188% | 4,084 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.4121% | 2,045 |
| Assets per employee ($millions) | 4.7551% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 1,400 |
| Loan loss allowance to noncurrent loans | 203.2468% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0592% | 380 |
| Noncurrent loans to loans | 0.7179% | 1,053 |
| Net loans and leases to total assets | 40.4100% | 4,024 |
| Net loans and leases to deposits | 45.0663% | 4,066 |
| Net loans and leases to core deposits | 48.9316% | 4,021 |
| Total domestic deposits to total assets | 89.6700% | 1,272 |
| Equity capital to assets | 9.3584% | 2,251 |
| Core capital (leverage) ratio | 10.5381% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0519% | 651 |
| Memoranda: | ||
| Average total assets | $53,709,500 | 4,377 |
| Average earning assets | $47,923,000 | 4,375 |
| Average equity | $4,755,000 | 4,371 |
| Average total loans | $21,306,000 | 4,374 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5539% | 655 |
| Cost of funding earning assets | 0.2702% | 3,154 |
| Net interest margin | 4.2837% | 443 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 3.0271% | 932 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8072% | 3,302 |
| Return on assets (ROA) | 0.8072% | 3,229 |
| Pretax return on assets | 0.8072% | 3,608 |
| Return on Equity (ROE) | 9.3900% | 2,997 |
| Retained earnings to average equity (ytd only) | 5.3104% | 2,917 |
| Net charge-offs to loans | 0.0047% | 2,267 |
| Credit loss provision to net charge-offs | 2,000.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 476.0000% | 346 |
| Efficiency ratio | 78.2251% | 841 |
| Assets per employee ($millions) | 5.5113% | 3,205 |
| Cash dividends to net income (ytd only)* | 43.4211% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,264 |
| Loan loss allowance to noncurrent loans | 144.2396% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.1195% | 358 |
| Noncurrent loans to loans | 1.0254% | 704 |
| Net loans and leases to total assets | 37.8300% | 4,147 |
| Net loans and leases to deposits | 41.6813% | 4,192 |
| Net loans and leases to core deposits | 45.6824% | 4,128 |
| Total domestic deposits to total assets | 90.7600% | 1,035 |
| Equity capital to assets | 8.3737% | 2,791 |
| Core capital (leverage) ratio | 9.6452% | 2,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5416% | 774 |
| Memoranda: | ||
| Average total assets | $56,490,200 | 4,375 |
| Average earning assets | $42,930,400 | 4,450 |
| Average equity | $4,858,400 | 4,445 |
| Average total loans | $21,412,400 | 4,391 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 505 |
| Cost of funding earning assets | 0.2310% | 2,916 |
| Net interest margin | 4.2585% | 365 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.8409% | 1,167 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.7976% | 3,275 |
| Return on assets (ROA) | 0.7976% | 3,228 |
| Pretax return on assets | 0.7976% | 3,578 |
| Return on Equity (ROE) | 9.2200% | 2,965 |
| Retained earnings to average equity (ytd only) | 9.2153% | 1,574 |
| Net charge-offs to loans | 0.0062% | 1,930 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 350.0000% | 425 |
| Efficiency ratio | 77.5785% | 948 |
| Assets per employee ($millions) | 5.7053% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 1,519 |
| Loan loss allowance to noncurrent loans | 157.8125% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 1.0376% | 427 |
| Noncurrent loans to loans | 0.9039% | 864 |
| Net loans and leases to total assets | 36.7000% | 4,196 |
| Net loans and leases to deposits | 40.3146% | 4,227 |
| Net loans and leases to core deposits | 42.4090% | 4,213 |
| Total domestic deposits to total assets | 91.0400% | 1,224 |
| Equity capital to assets | 8.1713% | 2,779 |
| Core capital (leverage) ratio | 9.6515% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4577% | 795 |
| Memoranda: | ||
| Average total assets | $56,834,500 | 4,405 |
| Average earning assets | $40,984,000 | 4,504 |
| Average equity | $4,919,250 | 4,481 |
| Average total loans | $21,475,000 | 4,418 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6807% | 264 |
| Cost of funding earning assets | 0.2298% | 2,511 |
| Net interest margin | 4.4509% | 210 |
| Noninterest income to average assets | 0.5884% | 1,789 |
| Noninterest expense to average assets | 2.8364% | 1,104 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6871% | 3,351 |
| Return on assets (ROA) | 0.6871% | 3,307 |
| Pretax return on assets | 0.6871% | 3,608 |
| Return on Equity (ROE) | 7.7922% | 3,075 |
| Retained earnings to average equity (ytd only) | 7.7922% | 1,693 |
| Net charge-offs to loans | 0.0278% | 1,166 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 1,041 |
| Efficiency ratio | 80.5000% | 906 |
| Assets per employee ($millions) | 5.1309% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 1,714 |
| Loan loss allowance to noncurrent loans | 246.6102% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.9178% | 541 |
| Noncurrent loans to loans | 0.5719% | 1,478 |
| Net loans and leases to total assets | 36.0400% | 4,250 |
| Net loans and leases to deposits | 39.6001% | 4,279 |
| Net loans and leases to core deposits | 42.4001% | 4,250 |
| Total domestic deposits to total assets | 91.0099% | 1,242 |
| Equity capital to assets | 8.2566% | 2,937 |
| Core capital (leverage) ratio | 9.3406% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2310% | 821 |
| Memoranda: | ||
| Average total assets | $56,761,667 | 4,448 |
| Average earning assets | $37,430,667 | 4,596 |
| Average equity | $5,005,000 | 4,520 |
| Average total loans | $21,552,667 | 4,469 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5205% | 301 |
| Cost of funding earning assets | 0.2117% | 2,644 |
| Net interest margin | 4.3088% | 235 |
| Noninterest income to average assets | 0.5762% | 1,798 |
| Noninterest expense to average assets | 2.8179% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6184% | 3,336 |
| Return on assets (ROA) | 0.6184% | 3,320 |
| Pretax return on assets | 0.6184% | 3,588 |
| Return on Equity (ROE) | 6.7986% | 3,098 |
| Retained earnings to average equity (ytd only) | 6.7986% | 1,959 |
| Net charge-offs to loans | 0.0363% | 932 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 970 |
| Efficiency ratio | 82.0041% | 981 |
| Assets per employee ($millions) | 5.2252% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 2,088 |
| Loan loss allowance to noncurrent loans | 87.1642% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.2788% | 326 |
| Noncurrent loans to loans | 1.5563% | 518 |
| Net loans and leases to total assets | 36.9435% | 4,158 |
| Net loans and leases to deposits | 40.8960% | 4,214 |
| Net loans and leases to core deposits | 44.4068% | 4,137 |
| Total domestic deposits to total assets | 90.3353% | 1,367 |
| Equity capital to assets | 9.0158% | 2,697 |
| Core capital (leverage) ratio | 9.2261% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3209% | 998 |
| Memoranda: | ||
| Average total assets | $56,922,500 | 4,473 |
| Average earning assets | $37,783,500 | 4,615 |
| Average equity | $5,177,500 | 4,549 |
| Average total loans | $22,013,000 | 4,481 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 476 |
| Cost of funding earning assets | 0.2342% | 3,088 |
| Net interest margin | 4.3926% | 341 |
| Noninterest income to average assets | 0.6817% | 1,826 |
| Noninterest expense to average assets | 3.1931% | 738 |
| Loan and lease loss provision to assets | 0.0094% | 2,892 |
| Net operating income to assets | 0.5000% | 4,084 |
| Return on assets (ROA) | 0.5000% | 4,128 |
| Pretax return on assets | 0.5000% | 4,258 |
| Return on Equity (ROE) | 5.0207% | 3,995 |
| Retained earnings to average equity (ytd only) | 0.8838% | 4,287 |
| Net charge-offs to loans | 0.0781% | 1,015 |
| Credit loss provision to net charge-offs | 27.7778% | 2,243 |
| Earnings coverage of net charge-offs (x) | 15.1111% | 2,008 |
| Efficiency ratio | 86.2418% | 463 |
| Assets per employee ($millions) | 5.1244% | 3,622 |
| Cash dividends to net income (ytd only)* | 82.3970% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 2,324 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 352 |
| Noncurrent loans to loans | 1.4933% | 607 |
| Net loans and leases to total assets | 39.3947% | 4,128 |
| Net loans and leases to deposits | 43.6670% | 4,192 |
| Net loans and leases to core deposits | 45.0865% | 4,228 |
| Total domestic deposits to total assets | 90.2161% | 859 |
| Equity capital to assets | 9.1772% | 3,442 |
| Core capital (leverage) ratio | 9.1102% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,397,000 | 4,531 |
| Average earning assets | $36,721,000 | 4,652 |
| Average equity | $5,318,000 | 4,599 |
| Average total loans | $23,037,400 | 4,511 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 491 |
| Cost of funding earning assets | 0.2459% | 3,156 |
| Net interest margin | 4.4487% | 343 |
| Noninterest income to average assets | 0.6736% | 1,915 |
| Noninterest expense to average assets | 3.0766% | 854 |
| Loan and lease loss provision to assets | 0.0133% | 2,725 |
| Net operating income to assets | 0.6533% | 3,892 |
| Return on assets (ROA) | 0.6533% | 3,944 |
| Pretax return on assets | 0.6533% | 4,153 |
| Return on Equity (ROE) | 6.4246% | 3,815 |
| Retained earnings to average equity (ytd only) | 4.2333% | 3,497 |
| Net charge-offs to loans | 0.1208% | 652 |
| Credit loss provision to net charge-offs | 23.8095% | 1,977 |
| Earnings coverage of net charge-offs (x) | 12.5238% | 1,954 |
| Efficiency ratio | 82.2057% | 622 |
| Assets per employee ($millions) | 4.9979% | 3,700 |
| Cash dividends to net income (ytd only)* | 34.1085% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,776 |
| Loan loss allowance to noncurrent loans | 85.5882% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.3460% | 411 |
| Noncurrent loans to loans | 1.4531% | 728 |
| Net loans and leases to total assets | 42.0321% | 4,090 |
| Net loans and leases to deposits | 46.9084% | 4,185 |
| Net loans and leases to core deposits | 51.5114% | 4,060 |
| Total domestic deposits to total assets | 89.6047% | 964 |
| Equity capital to assets | 9.7714% | 3,131 |
| Core capital (leverage) ratio | 9.6853% | 2,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,654,250 | 4,596 |
| Average earning assets | $36,324,500 | 4,726 |
| Average equity | $5,354,250 | 4,661 |
| Average total loans | $23,171,750 | 4,569 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 515 |
| Cost of funding earning assets | 0.2565% | 3,230 |
| Net interest margin | 4.4661% | 381 |
| Noninterest income to average assets | 0.5705% | 2,335 |
| Noninterest expense to average assets | 3.0995% | 845 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5590% | 4,077 |
| Return on assets (ROA) | 0.5590% | 4,130 |
| Pretax return on assets | 0.5590% | 4,298 |
| Return on Equity (ROE) | 5.4222% | 4,053 |
| Retained earnings to average equity (ytd only) | 5.4222% | 3,030 |
| Net charge-offs to loans | 0.0866% | 813 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,659 |
| Efficiency ratio | 84.7208% | 521 |
| Assets per employee ($millions) | 4.4552% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 2,639 |
| Loan loss allowance to noncurrent loans | 70.7143% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.6984% | 297 |
| Noncurrent loans to loans | 1.7822% | 587 |
| Net loans and leases to total assets | 43.5244% | 4,074 |
| Net loans and leases to deposits | 48.6850% | 4,179 |
| Net loans and leases to core deposits | 53.6140% | 4,042 |
| Total domestic deposits to total assets | 89.3999% | 1,081 |
| Equity capital to assets | 10.0352% | 2,821 |
| Core capital (leverage) ratio | 9.7738% | 2,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,880,000 | 4,634 |
| Average earning assets | $35,870,000 | 4,757 |
| Average equity | $5,348,333 | 4,690 |
| Average total loans | $23,096,000 | 4,610 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 428 |
| Cost of funding earning assets | 0.2762% | 3,213 |
| Net interest margin | 4.6035% | 312 |
| Noninterest income to average assets | 0.5167% | 2,534 |
| Noninterest expense to average assets | 3.1005% | 837 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5481% | 4,080 |
| Return on assets (ROA) | 0.5481% | 4,123 |
| Pretax return on assets | 0.5481% | 4,278 |
| Return on Equity (ROE) | 5.2434% | 4,047 |
| Retained earnings to average equity (ytd only) | 5.2434% | 3,153 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9785% | 551 |
| Assets per employee ($millions) | 4.4079% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 2,346 |
| Loan loss allowance to noncurrent loans | 146.8900% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 1.3177% | 531 |
| Noncurrent loans to loans | 0.8987% | 1,507 |
| Net loans and leases to total assets | 43.3860% | 4,151 |
| Net loans and leases to deposits | 48.5200% | 4,243 |
| Net loans and leases to core deposits | 53.4854% | 4,119 |
| Total domestic deposits to total assets | 89.4187% | 1,116 |
| Equity capital to assets | 10.1125% | 2,602 |
| Core capital (leverage) ratio | 10.1077% | 2,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,089,000 | 4,663 |
| Average earning assets | $34,756,000 | 4,789 |
| Average equity | $5,340,000 | 4,709 |
| Average total loans | $22,861,000 | 4,639 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2906% | 269 |
| Cost of funding earning assets | 0.3683% | 3,776 |
| Net interest margin | 4.9223% | 139 |
| Noninterest income to average assets | 0.6279% | 2,108 |
| Noninterest expense to average assets | 3.4537% | 742 |
| Loan and lease loss provision to assets | 0.0064% | 4,272 |
| Net operating income to assets | 0.5938% | 3,777 |
| Return on assets (ROA) | 0.5938% | 3,882 |
| Pretax return on assets | 0.5938% | 4,095 |
| Return on Equity (ROE) | 5.2779% | 3,824 |
| Retained earnings to average equity (ytd only) | 0.6835% | 4,320 |
| Net charge-offs to loans | 0.0179% | 2,725 |
| Credit loss provision to net charge-offs | 75.0000% | 3,017 |
| Earnings coverage of net charge-offs (x) | 70.2500% | 972 |
| Efficiency ratio | 85.1949% | 561 |
| Assets per employee ($millions) | 4.1069% | 4,286 |
| Cash dividends to net income (ytd only)* | 87.0504% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 2,116 |
| Loan loss allowance to noncurrent loans | 102.6756% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.3209% | 605 |
| Noncurrent loans to loans | 1.3309% | 1,017 |
| Net loans and leases to total assets | 44.9628% | 4,196 |
| Net loans and leases to deposits | 50.6607% | 4,282 |
| Net loans and leases to core deposits | 52.5680% | 4,312 |
| Total domestic deposits to total assets | 88.7527% | 1,090 |
| Equity capital to assets | 10.8171% | 2,415 |
| Core capital (leverage) ratio | 10.4230% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,819,400 | 4,691 |
| Average earning assets | $32,586,400 | 4,817 |
| Average equity | $5,267,200 | 4,721 |
| Average total loans | $22,294,600 | 4,672 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3432% | 316 |
| Cost of funding earning assets | 0.3934% | 3,843 |
| Net interest margin | 4.9498% | 152 |
| Noninterest income to average assets | 0.6118% | 2,128 |
| Noninterest expense to average assets | 3.3243% | 874 |
| Loan and lease loss provision to assets | 0.0087% | 4,184 |
| Net operating income to assets | 0.7647% | 3,227 |
| Return on assets (ROA) | 0.7647% | 3,345 |
| Pretax return on assets | 0.7647% | 3,745 |
| Return on Equity (ROE) | 6.7284% | 3,302 |
| Retained earnings to average equity (ytd only) | 3.9355% | 3,084 |
| Net charge-offs to loans | 0.0419% | 2,028 |
| Credit loss provision to net charge-offs | 42.8571% | 2,914 |
| Earnings coverage of net charge-offs (x) | 38.2857% | 1,395 |
| Efficiency ratio | 81.1268% | 787 |
| Assets per employee ($millions) | 3.9815% | 4,324 |
| Cash dividends to net income (ytd only)* | 41.5094% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 1,911 |
| Loan loss allowance to noncurrent loans | 94.7040% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4086% | 638 |
| Noncurrent loans to loans | 1.4374% | 1,004 |
| Net loans and leases to total assets | 46.1049% | 4,311 |
| Net loans and leases to deposits | 52.2349% | 4,402 |
| Net loans and leases to core deposits | 54.9587% | 4,414 |
| Total domestic deposits to total assets | 88.2645% | 1,081 |
| Equity capital to assets | 11.3148% | 2,137 |
| Core capital (leverage) ratio | 10.9777% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,203,500 | 4,722 |
| Average earning assets | $32,539,250 | 4,843 |
| Average equity | $5,251,250 | 4,748 |
| Average total loans | $22,251,750 | 4,706 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4184% | 389 |
| Cost of funding earning assets | 0.4362% | 3,862 |
| Net interest margin | 4.9822% | 214 |
| Noninterest income to average assets | 0.6086% | 2,098 |
| Noninterest expense to average assets | 3.3539% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8056% | 3,030 |
| Return on assets (ROA) | 0.8056% | 3,142 |
| Pretax return on assets | 0.8056% | 3,567 |
| Return on Equity (ROE) | 7.0774% | 3,101 |
| Retained earnings to average equity (ytd only) | 7.0774% | 1,623 |
| Net charge-offs to loans | 0.0270% | 2,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 61.3333% | 950 |
| Efficiency ratio | 80.6316% | 845 |
| Assets per employee ($millions) | 3.9464% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 1,711 |
| Loan loss allowance to noncurrent loans | 155.6122% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 1.1572% | 955 |
| Noncurrent loans to loans | 0.8770% | 1,739 |
| Net loans and leases to total assets | 46.5486% | 4,336 |
| Net loans and leases to deposits | 52.7204% | 4,418 |
| Net loans and leases to core deposits | 55.4817% | 4,449 |
| Total domestic deposits to total assets | 88.2932% | 1,044 |
| Equity capital to assets | 11.3225% | 2,110 |
| Core capital (leverage) ratio | 11.2157% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,678,667 | 4,750 |
| Average earning assets | $32,556,000 | 4,864 |
| Average equity | $5,199,667 | 4,778 |
| Average total loans | $22,225,000 | 4,728 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2194% | 638 |
| Cost of funding earning assets | 0.4917% | 3,978 |
| Net interest margin | 4.7278% | 310 |
| Noninterest income to average assets | 0.6066% | 2,015 |
| Noninterest expense to average assets | 3.2204% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7315% | 3,163 |
| Return on assets (ROA) | 0.7315% | 3,249 |
| Pretax return on assets | 0.7315% | 3,590 |
| Return on Equity (ROE) | 6.4081% | 3,168 |
| Retained earnings to average equity (ytd only) | 6.4081% | 1,746 |
| Net charge-offs to loans | -0.0180% | 4,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4898% | 1,005 |
| Assets per employee ($millions) | 3.7188% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 1,682 |
| Loan loss allowance to noncurrent loans | 52.2843% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 2.1131% | 368 |
| Noncurrent loans to loans | 2.6848% | 428 |
| Net loans and leases to total assets | 48.6353% | 4,308 |
| Net loans and leases to deposits | 55.2124% | 4,396 |
| Net loans and leases to core deposits | 58.7595% | 4,407 |
| Total domestic deposits to total assets | 88.0877% | 1,076 |
| Equity capital to assets | 11.5516% | 2,396 |
| Core capital (leverage) ratio | 11.5155% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,839,500 | 4,787 |
| Average earning assets | $31,727,500 | 4,910 |
| Average equity | $5,118,500 | 4,824 |
| Average total loans | $22,163,000 | 4,761 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7398% | 368 |
| Cost of funding earning assets | 0.4769% | 4,179 |
| Net interest margin | 5.2629% | 167 |
| Noninterest income to average assets | 0.7524% | 1,619 |
| Noninterest expense to average assets | 3.4356% | 1,053 |
| Loan and lease loss provision to assets | 0.0441% | 3,129 |
| Net operating income to assets | 1.2666% | 1,817 |
| Return on assets (ROA) | 1.2666% | 1,900 |
| Pretax return on assets | 1.2666% | 2,624 |
| Return on Equity (ROE) | 11.4676% | 1,704 |
| Retained earnings to average equity (ytd only) | 5.7538% | 2,000 |
| Net charge-offs to loans | 0.1813% | 1,108 |
| Credit loss provision to net charge-offs | 47.6190% | 3,148 |
| Earnings coverage of net charge-offs (x) | 14.1429% | 2,302 |
| Efficiency ratio | 72.3849% | 1,813 |
| Assets per employee ($millions) | 3.7544% | 4,207 |
| Cash dividends to net income (ytd only)* | 49.8258% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 1,592 |
| Loan loss allowance to noncurrent loans | 183.3333% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 1.1542% | 1,032 |
| Noncurrent loans to loans | 0.7529% | 2,007 |
| Net loans and leases to total assets | 48.8425% | 4,379 |
| Net loans and leases to deposits | 55.2307% | 4,493 |
| Net loans and leases to core deposits | 59.5341% | 4,462 |
| Total domestic deposits to total assets | 88.4336% | 926 |
| Equity capital to assets | 11.2800% | 2,733 |
| Core capital (leverage) ratio | 11.2721% | 2,270 |
| Tier 1 risk-based capital ratio | 19.4793% | 1,415 |
| Total risk-based capital ratio | 20.6655% | 1,396 |
| Memoranda: | ||
| Average total assets | $45,319,600 | 4,824 |
| Average earning assets | $34,391,600 | 4,926 |
| Average equity | $5,005,400 | 4,878 |
| Average total loans | $23,161,200 | 4,803 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6520% | 449 |
| Cost of funding earning assets | 0.4817% | 4,216 |
| Net interest margin | 5.1702% | 206 |
| Noninterest income to average assets | 0.7432% | 1,616 |
| Noninterest expense to average assets | 3.1962% | 1,475 |
| Loan and lease loss provision to assets | 0.0147% | 3,614 |
| Net operating income to assets | 1.5364% | 1,102 |
| Return on assets (ROA) | 1.5364% | 1,149 |
| Pretax return on assets | 1.5364% | 1,847 |
| Return on Equity (ROE) | 13.9849% | 991 |
| Retained earnings to average equity (ytd only) | 10.4552% | 638 |
| Net charge-offs to loans | 0.1997% | 873 |
| Credit loss provision to net charge-offs | 14.2857% | 2,989 |
| Earnings coverage of net charge-offs (x) | 15.0842% | 2,210 |
| Efficiency ratio | 67.3267% | 2,520 |
| Assets per employee ($millions) | 3.6749% | 4,307 |
| Cash dividends to net income (ytd only)* | 25.2395% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 1,873 |
| Loan loss allowance to noncurrent loans | 165.7459% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.2086% | 1,047 |
| Noncurrent loans to loans | 0.7980% | 1,978 |
| Net loans and leases to total assets | 50.7563% | 4,384 |
| Net loans and leases to deposits | 57.6510% | 4,485 |
| Net loans and leases to core deposits | 60.9094% | 4,499 |
| Total domestic deposits to total assets | 88.0405% | 1,019 |
| Equity capital to assets | 11.7327% | 2,476 |
| Core capital (leverage) ratio | 12.0697% | 1,805 |
| Tier 1 risk-based capital ratio | 19.6977% | 1,419 |
| Total risk-based capital ratio | 20.8427% | 1,411 |
| Memoranda: | ||
| Average total assets | $45,386,250 | 4,897 |
| Average earning assets | $35,149,250 | 4,985 |
| Average equity | $4,986,250 | 4,950 |
| Average total loans | $23,373,250 | 4,865 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3905% | 694 |
| Cost of funding earning assets | 0.5048% | 4,100 |
| Net interest margin | 4.8857% | 354 |
| Noninterest income to average assets | 0.7159% | 1,649 |
| Noninterest expense to average assets | 2.9204% | 2,226 |
| Loan and lease loss provision to assets | 0.0218% | 3,368 |
| Net operating income to assets | 1.5759% | 959 |
| Return on assets (ROA) | 1.5759% | 996 |
| Pretax return on assets | 1.5759% | 1,623 |
| Return on Equity (ROE) | 14.6639% | 836 |
| Retained earnings to average equity (ytd only) | 14.6639% | 188 |
| Net charge-offs to loans | -0.0085% | 4,274 |
| Credit loss provision to net charge-offs | -500.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6377% | 3,029 |
| Assets per employee ($millions) | 3.6083% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 1,476 |
| Loan loss allowance to noncurrent loans | 174.0933% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 1.2587% | 1,039 |
| Noncurrent loans to loans | 0.8232% | 1,944 |
| Net loans and leases to total assets | 53.3684% | 4,262 |
| Net loans and leases to deposits | 60.6668% | 4,397 |
| Net loans and leases to core deposits | 64.1532% | 4,404 |
| Total domestic deposits to total assets | 87.9697% | 1,116 |
| Equity capital to assets | 11.8917% | 2,270 |
| Core capital (leverage) ratio | 11.7267% | 2,003 |
| Tier 1 risk-based capital ratio | 19.4055% | 1,457 |
| Total risk-based capital ratio | 20.6535% | 1,425 |
| Memoranda: | ||
| Average total assets | $45,815,330 | 4,933 |
| Average earning assets | $35,655,000 | 5,013 |
| Average equity | $4,923,670 | 4,993 |
| Average total loans | $23,603,330 | 4,898 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5720% | 455 |
| Cost of funding earning assets | 0.5296% | 3,921 |
| Net interest margin | 5.0424% | 267 |
| Noninterest income to average assets | 0.6543% | 1,803 |
| Noninterest expense to average assets | 3.0336% | 1,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5040% | 1,105 |
| Return on assets (ROA) | 1.5040% | 1,135 |
| Pretax return on assets | 1.5040% | 1,755 |
| Return on Equity (ROE) | 14.7163% | 807 |
| Retained earnings to average equity (ytd only) | 14.7163% | 296 |
| Net charge-offs to loans | -0.2702% | 5,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8539% | 2,816 |
| Assets per employee ($millions) | 3.8302% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 1,466 |
| Loan loss allowance to noncurrent loans | 92.5134% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.6231% | 700 |
| Noncurrent loans to loans | 1.5809% | 1,003 |
| Net loans and leases to total assets | 50.7180% | 4,423 |
| Net loans and leases to deposits | 56.8852% | 4,558 |
| Net loans and leases to core deposits | 61.8067% | 4,493 |
| Total domestic deposits to total assets | 89.1584% | 788 |
| Equity capital to assets | 10.7110% | 3,153 |
| Core capital (leverage) ratio | 10.6879% | 2,861 |
| Tier 1 risk-based capital ratio | 18.3249% | 1,709 |
| Total risk-based capital ratio | 19.5733% | 1,656 |
| Memoranda: | ||
| Average total assets | $47,073,500 | 4,954 |
| Average earning assets | $36,252,500 | 5,052 |
| Average equity | $4,811,000 | 5,051 |
| Average total loans | $23,683,000 | 4,952 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1337% | 790 |
| Cost of funding earning assets | 0.4647% | 3,581 |
| Net interest margin | 4.6690% | 519 |
| Noninterest income to average assets | 0.7191% | 1,776 |
| Noninterest expense to average assets | 3.0882% | 1,833 |
| Loan and lease loss provision to assets | 0.0839% | 2,454 |
| Net operating income to assets | 1.1699% | 2,313 |
| Return on assets (ROA) | 1.1699% | 2,304 |
| Pretax return on assets | 1.1699% | 3,015 |
| Return on Equity (ROE) | 12.0643% | 1,693 |
| Retained earnings to average equity (ytd only) | 5.8808% | 2,247 |
| Net charge-offs to loans | 0.1988% | 962 |
| Credit loss provision to net charge-offs | 85.1064% | 2,783 |
| Earnings coverage of net charge-offs (x) | 12.7234% | 2,510 |
| Efficiency ratio | 71.1251% | 2,026 |
| Assets per employee ($millions) | 4.0154% | 3,873 |
| Cash dividends to net income (ytd only)* | 51.2545% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 1,674 |
| Loan loss allowance to noncurrent loans | 90.1639% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.5316% | 760 |
| Noncurrent loans to loans | 1.5437% | 972 |
| Net loans and leases to total assets | 48.5192% | 4,604 |
| Net loans and leases to deposits | 53.8203% | 4,759 |
| Net loans and leases to core deposits | 59.8617% | 4,633 |
| Total domestic deposits to total assets | 90.1505% | 427 |
| Equity capital to assets | 9.7520% | 3,900 |
| Core capital (leverage) ratio | 9.9257% | 3,673 |
| Tier 1 risk-based capital ratio | 17.1626% | 2,009 |
| Total risk-based capital ratio | 18.3499% | 1,976 |
| Memoranda: | ||
| Average total assets | $47,697,600 | 4,981 |
| Average earning assets | $37,010,200 | 5,088 |
| Average equity | $4,625,200 | 5,100 |
| Average total loans | $23,639,800 | 4,980 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9709% | 987 |
| Cost of funding earning assets | 0.4463% | 3,547 |
| Net interest margin | 4.5245% | 706 |
| Noninterest income to average assets | 0.6810% | 1,931 |
| Noninterest expense to average assets | 2.8389% | 2,499 |
| Loan and lease loss provision to assets | 0.0561% | 2,850 |
| Net operating income to assets | 1.3088% | 1,820 |
| Return on assets (ROA) | 1.3088% | 1,826 |
| Pretax return on assets | 1.3088% | 2,590 |
| Return on Equity (ROE) | 13.5160% | 1,259 |
| Retained earnings to average equity (ytd only) | 9.6958% | 1,002 |
| Net charge-offs to loans | 0.2258% | 756 |
| Credit loss provision to net charge-offs | 50.0000% | 2,827 |
| Earnings coverage of net charge-offs (x) | 12.1755% | 2,466 |
| Efficiency ratio | 67.5333% | 2,623 |
| Assets per employee ($millions) | 3.9428% | 3,980 |
| Cash dividends to net income (ytd only)* | 28.2663% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 1,989 |
| Loan loss allowance to noncurrent loans | 63.5271% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.2829% | 1,071 |
| Noncurrent loans to loans | 2.0819% | 690 |
| Net loans and leases to total assets | 49.9905% | 4,597 |
| Net loans and leases to deposits | 55.6125% | 4,769 |
| Net loans and leases to core deposits | 60.4308% | 4,684 |
| Total domestic deposits to total assets | 89.8907% | 544 |
| Equity capital to assets | 10.0163% | 3,634 |
| Core capital (leverage) ratio | 10.2252% | 3,376 |
| Tier 1 risk-based capital ratio | 17.3495% | 1,984 |
| Total risk-based capital ratio | 18.4877% | 1,960 |
| Memoranda: | ||
| Average total assets | $47,575,750 | 5,036 |
| Average earning assets | $37,041,500 | 5,152 |
| Average equity | $4,606,750 | 5,162 |
| Average total loans | $23,622,500 | 5,039 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 797 |
| Cost of funding earning assets | 0.4756% | 3,191 |
| Net interest margin | 4.5340% | 644 |
| Noninterest income to average assets | 0.6756% | 1,971 |
| Noninterest expense to average assets | 2.9079% | 2,337 |
| Loan and lease loss provision to assets | 0.0420% | 3,063 |
| Net operating income to assets | 1.2462% | 1,996 |
| Return on assets (ROA) | 1.2462% | 1,995 |
| Pretax return on assets | 1.2462% | 2,740 |
| Return on Equity (ROE) | 13.0187% | 1,366 |
| Retained earnings to average equity (ytd only) | 13.0187% | 374 |
| Net charge-offs to loans | 0.1957% | 804 |
| Credit loss provision to net charge-offs | 43.4783% | 2,539 |
| Earnings coverage of net charge-offs (x) | 13.3478% | 2,153 |
| Efficiency ratio | 69.3000% | 2,428 |
| Assets per employee ($millions) | 4.0471% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 1,844 |
| Loan loss allowance to noncurrent loans | 128.5714% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 2,016 |
| Noncurrent loans to loans | 1.0668% | 1,656 |
| Net loans and leases to total assets | 47.9749% | 4,721 |
| Net loans and leases to deposits | 53.1637% | 4,871 |
| Net loans and leases to core deposits | 57.0620% | 4,827 |
| Total domestic deposits to total assets | 90.2399% | 489 |
| Equity capital to assets | 9.6736% | 3,941 |
| Core capital (leverage) ratio | 10.0636% | 3,513 |
| Tier 1 risk-based capital ratio | 16.9597% | 2,113 |
| Total risk-based capital ratio | 18.1059% | 2,096 |
| Memoranda: | ||
| Average total assets | $47,663,330 | 5,095 |
| Average earning assets | $37,009,670 | 5,213 |
| Average equity | $4,562,670 | 5,225 |
| Average total loans | $23,507,000 | 5,102 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9882% | 713 |
| Cost of funding earning assets | 0.4956% | 2,831 |
| Net interest margin | 4.4926% | 631 |
| Noninterest income to average assets | 0.6185% | 2,176 |
| Noninterest expense to average assets | 2.9823% | 2,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1692% | 2,139 |
| Return on assets (ROA) | 1.1692% | 2,151 |
| Pretax return on assets | 1.1692% | 2,895 |
| Return on Equity (ROE) | 12.2803% | 1,482 |
| Retained earnings to average equity (ytd only) | 12.2803% | 633 |
| Net charge-offs to loans | 0.0171% | 2,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 467 |
| Efficiency ratio | 71.8367% | 2,213 |
| Assets per employee ($millions) | 3.8554% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 1,749 |
| Loan loss allowance to noncurrent loans | 124.4444% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8170% | 1,940 |
| Noncurrent loans to loans | 1.1443% | 1,598 |
| Net loans and leases to total assets | 50.2734% | 4,539 |
| Net loans and leases to deposits | 55.8212% | 4,703 |
| Net loans and leases to core deposits | 61.9398% | 4,556 |
| Total domestic deposits to total assets | 90.0616% | 639 |
| Equity capital to assets | 9.8411% | 3,756 |
| Core capital (leverage) ratio | 9.8406% | 3,721 |
| Tier 1 risk-based capital ratio | 16.8276% | 2,171 |
| Total risk-based capital ratio | 18.0475% | 2,128 |
| Memoranda: | ||
| Average total assets | $47,212,500 | 5,164 |
| Average earning assets | $37,127,500 | 5,267 |
| Average equity | $4,495,000 | 5,287 |
| Average total loans | $23,449,000 | 5,159 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8332% | 913 |
| Cost of funding earning assets | 0.4021% | 3,236 |
| Net interest margin | 4.4310% | 713 |
| Noninterest income to average assets | 0.7327% | 1,832 |
| Noninterest expense to average assets | 3.2898% | 1,395 |
| Loan and lease loss provision to assets | 0.0435% | 3,371 |
| Net operating income to assets | 1.1133% | 1,818 |
| Return on assets (ROA) | 1.1133% | 1,841 |
| Pretax return on assets | 1.1133% | 3,131 |
| Return on Equity (ROE) | 11.6751% | 1,293 |
| Retained earnings to average equity (ytd only) | 5.1535% | 2,029 |
| Net charge-offs to loans | 0.0472% | 2,840 |
| Credit loss provision to net charge-offs | 181.8182% | 1,490 |
| Earnings coverage of net charge-offs (x) | 48.3636% | 1,114 |
| Efficiency ratio | 73.9853% | 1,893 |
| Assets per employee ($millions) | 4.0133% | 3,938 |
| Cash dividends to net income (ytd only)* | 55.8594% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 1,596 |
| Loan loss allowance to noncurrent loans | 91.3279% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.9904% | 1,562 |
| Noncurrent loans to loans | 1.5835% | 1,063 |
| Net loans and leases to total assets | 47.6869% | 4,791 |
| Net loans and leases to deposits | 52.5586% | 4,957 |
| Net loans and leases to core deposits | 59.9869% | 4,756 |
| Total domestic deposits to total assets | 90.7309% | 328 |
| Equity capital to assets | 9.2130% | 4,515 |
| Core capital (leverage) ratio | 9.4741% | 4,081 |
| Tier 1 risk-based capital ratio | 16.0550% | 2,416 |
| Total risk-based capital ratio | 17.2581% | 2,367 |
| Memoranda: | ||
| Average total assets | $45,991,200 | 5,232 |
| Average earning assets | $38,546,200 | 5,296 |
| Average equity | $4,385,400 | 5,362 |
| Average total loans | $23,290,200 | 5,215 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 979 |
| Cost of funding earning assets | 0.3676% | 3,485 |
| Net interest margin | 4.4046% | 723 |
| Noninterest income to average assets | 0.7481% | 1,796 |
| Noninterest expense to average assets | 3.3854% | 1,181 |
| Loan and lease loss provision to assets | 0.0587% | 2,905 |
| Net operating income to assets | 1.0649% | 2,256 |
| Return on assets (ROA) | 1.0649% | 2,295 |
| Pretax return on assets | 1.0649% | 3,441 |
| Return on Equity (ROE) | 11.0690% | 1,672 |
| Retained earnings to average equity (ytd only) | 7.0438% | 1,669 |
| Net charge-offs to loans | 0.0859% | 1,939 |
| Credit loss provision to net charge-offs | 133.3333% | 1,848 |
| Earnings coverage of net charge-offs (x) | 25.5325% | 1,724 |
| Efficiency ratio | 75.0813% | 1,728 |
| Assets per employee ($millions) | 3.8618% | 4,218 |
| Cash dividends to net income (ytd only)* | 36.3644% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 1,811 |
| Loan loss allowance to noncurrent loans | 53.8835% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.5666% | 953 |
| Noncurrent loans to loans | 2.6348% | 548 |
| Net loans and leases to total assets | 49.8953% | 4,706 |
| Net loans and leases to deposits | 55.3370% | 4,904 |
| Net loans and leases to core deposits | 60.2465% | 4,805 |
| Total domestic deposits to total assets | 90.1664% | 418 |
| Equity capital to assets | 9.7085% | 4,238 |
| Core capital (leverage) ratio | 10.2488% | 3,257 |
| Tier 1 risk-based capital ratio | 16.2915% | 2,381 |
| Total risk-based capital ratio | 17.4966% | 2,353 |
| Memoranda: | ||
| Average total assets | $45,449,000 | 5,294 |
| Average earning assets | $38,807,000 | 5,351 |
| Average equity | $4,372,500 | 5,421 |
| Average total loans | $23,287,000 | 5,268 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 1,185 |
| Cost of funding earning assets | 0.3677% | 3,407 |
| Net interest margin | 4.2688% | 940 |
| Noninterest income to average assets | 0.7043% | 1,966 |
| Noninterest expense to average assets | 3.4949% | 1,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9125% | 2,851 |
| Return on assets (ROA) | 0.9125% | 2,902 |
| Pretax return on assets | 0.9125% | 3,891 |
| Return on Equity (ROE) | 9.5143% | 2,264 |
| Retained earnings to average equity (ytd only) | 9.5143% | 702 |
| Net charge-offs to loans | -0.0258% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2965% | 1,294 |
| Assets per employee ($millions) | 3.6578% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 2,012 |
| Loan loss allowance to noncurrent loans | 53.9967% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.7064% | 837 |
| Noncurrent loans to loans | 2.5656% | 570 |
| Net loans and leases to total assets | 53.6793% | 4,424 |
| Net loans and leases to deposits | 59.8658% | 4,641 |
| Net loans and leases to core deposits | 63.5831% | 4,633 |
| Total domestic deposits to total assets | 89.6660% | 657 |
| Equity capital to assets | 10.1905% | 3,677 |
| Core capital (leverage) ratio | 10.1471% | 3,340 |
| Tier 1 risk-based capital ratio | 16.3801% | 2,364 |
| Total risk-based capital ratio | 17.5911% | 2,322 |
| Memoranda: | ||
| Average total assets | $45,151,670 | 5,341 |
| Average earning assets | $39,167,670 | 5,389 |
| Average equity | $4,330,330 | 5,467 |
| Average total loans | $23,231,000 | 5,310 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3868% | 1,686 |
| Cost of funding earning assets | 0.3832% | 3,170 |
| Net interest margin | 4.0036% | 1,463 |
| Noninterest income to average assets | 0.7077% | 1,929 |
| Noninterest expense to average assets | 3.3202% | 1,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8563% | 2,963 |
| Return on assets (ROA) | 0.8563% | 3,007 |
| Pretax return on assets | 0.8563% | 3,913 |
| Return on Equity (ROE) | 9.2040% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.2040% | 1,017 |
| Net charge-offs to loans | 0.0175% | 2,438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 545 |
| Efficiency ratio | 79.4979% | 1,430 |
| Assets per employee ($millions) | 3.7358% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 1,965 |
| Loan loss allowance to noncurrent loans | 127.2374% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.8766% | 2,108 |
| Noncurrent loans to loans | 1.1208% | 1,822 |
| Net loans and leases to total assets | 50.4194% | 4,643 |
| Net loans and leases to deposits | 55.8319% | 4,825 |
| Net loans and leases to core deposits | 59.9867% | 4,780 |
| Total domestic deposits to total assets | 90.3056% | 538 |
| Equity capital to assets | 9.6119% | 4,172 |
| Core capital (leverage) ratio | 9.6090% | 3,981 |
| Tier 1 risk-based capital ratio | 16.4168% | 2,389 |
| Total risk-based capital ratio | 17.6455% | 2,340 |
| Memoranda: | ||
| Average total assets | $45,780,500 | 5,391 |
| Average earning assets | $39,664,500 | 5,440 |
| Average equity | $4,259,000 | 5,533 |
| Average total loans | $22,900,000 | 5,376 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 1,216 |
| Cost of funding earning assets | 0.4463% | 2,567 |
| Net interest margin | 4.1810% | 1,164 |
| Noninterest income to average assets | 0.6316% | 2,497 |
| Noninterest expense to average assets | 2.9994% | 2,357 |
| Loan and lease loss provision to assets | 0.0313% | 3,730 |
| Net operating income to assets | 0.9400% | 2,634 |
| Return on assets (ROA) | 0.9400% | 2,745 |
| Pretax return on assets | 0.9400% | 3,694 |
| Return on Equity (ROE) | 10.5963% | 1,736 |
| Retained earnings to average equity (ytd only) | 4.3936% | 2,786 |
| Net charge-offs to loans | -0.0853% | 5,538 |
| Credit loss provision to net charge-offs | -78.9474% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5381% | 2,059 |
| Assets per employee ($millions) | 3.8943% | 4,150 |
| Cash dividends to net income (ytd only)* | 58.5366% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 1,942 |
| Loan loss allowance to noncurrent loans | 138.9831% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 2,364 |
| Noncurrent loans to loans | 1.0319% | 2,016 |
| Net loans and leases to total assets | 48.2378% | 4,881 |
| Net loans and leases to deposits | 53.0437% | 5,059 |
| Net loans and leases to core deposits | 57.1479% | 5,008 |
| Total domestic deposits to total assets | 90.9396% | 300 |
| Equity capital to assets | 9.0069% | 4,818 |
| Core capital (leverage) ratio | 9.1056% | 4,610 |
| Tier 1 risk-based capital ratio | 15.8449% | 2,610 |
| Total risk-based capital ratio | 17.0618% | 2,550 |
| Memoranda: | ||
| Average total assets | $47,977,000 | 5,387 |
| Average earning assets | $38,316,400 | 5,503 |
| Average equity | $4,256,200 | 5,601 |
| Average total loans | $22,274,200 | 5,436 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6585% | 1,167 |
| Cost of funding earning assets | 0.4599% | 2,461 |
| Net interest margin | 4.1987% | 1,121 |
| Noninterest income to average assets | 0.6240% | 2,555 |
| Noninterest expense to average assets | 2.7998% | 3,012 |
| Loan and lease loss provision to assets | 0.0690% | 2,842 |
| Net operating income to assets | 1.0575% | 2,166 |
| Return on assets (ROA) | 1.0575% | 2,288 |
| Pretax return on assets | 1.0575% | 3,401 |
| Return on Equity (ROE) | 11.9646% | 1,338 |
| Retained earnings to average equity (ytd only) | 7.8411% | 1,234 |
| Net charge-offs to loans | -0.1145% | 5,620 |
| Credit loss provision to net charge-offs | -131.5789% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3080% | 2,682 |
| Assets per employee ($millions) | 3.8548% | 4,206 |
| Cash dividends to net income (ytd only)* | 34.4659% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 1,779 |
| Loan loss allowance to noncurrent loans | 114.9660% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.7393% | 2,712 |
| Noncurrent loans to loans | 1.3003% | 1,714 |
| Net loans and leases to total assets | 48.1506% | 4,949 |
| Net loans and leases to deposits | 53.2274% | 5,151 |
| Net loans and leases to core deposits | 57.4076% | 5,082 |
| Total domestic deposits to total assets | 90.4620% | 335 |
| Equity capital to assets | 9.4645% | 4,696 |
| Core capital (leverage) ratio | 9.4107% | 4,312 |
| Tier 1 risk-based capital ratio | 16.4560% | 2,433 |
| Total risk-based capital ratio | 17.7047% | 2,387 |
| Memoranda: | ||
| Average total assets | $48,288,500 | 5,431 |
| Average earning assets | $37,979,500 | 5,564 |
| Average equity | $4,268,000 | 5,658 |
| Average total loans | $22,125,250 | 5,495 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 1,316 |
| Cost of funding earning assets | 0.4723% | 2,348 |
| Net interest margin | 4.1037% | 1,357 |
| Noninterest income to average assets | 0.6249% | 2,484 |
| Noninterest expense to average assets | 2.7938% | 3,050 |
| Loan and lease loss provision to assets | 0.0204% | 3,730 |
| Net operating income to assets | 1.0048% | 2,370 |
| Return on assets (ROA) | 1.0048% | 2,504 |
| Pretax return on assets | 1.0048% | 3,563 |
| Return on Equity (ROE) | 11.6275% | 1,441 |
| Retained earnings to average equity (ytd only) | 11.6275% | 377 |
| Net charge-offs to loans | -0.4644% | 5,932 |
| Credit loss provision to net charge-offs | -9.8039% | 4,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1551% | 2,490 |
| Assets per employee ($millions) | 4.2753% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 1,543 |
| Loan loss allowance to noncurrent loans | 66.0377% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.2291% | 1,672 |
| Noncurrent loans to loans | 2.4145% | 745 |
| Net loans and leases to total assets | 45.9322% | 5,129 |
| Net loans and leases to deposits | 50.6840% | 5,304 |
| Net loans and leases to core deposits | 55.3318% | 5,209 |
| Total domestic deposits to total assets | 90.6247% | 284 |
| Equity capital to assets | 9.3115% | 4,962 |
| Core capital (leverage) ratio | 9.0056% | 4,819 |
| Tier 1 risk-based capital ratio | 16.5374% | 2,409 |
| Total risk-based capital ratio | 17.7863% | 2,359 |
| Memoranda: | ||
| Average total assets | $48,965,670 | 5,481 |
| Average earning assets | $38,112,000 | 5,627 |
| Average equity | $4,231,330 | 5,725 |
| Average total loans | $21,963,330 | 5,561 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3623% | 1,918 |
| Cost of funding earning assets | 0.4534% | 2,548 |
| Net interest margin | 3.9090% | 1,909 |
| Noninterest income to average assets | 0.6088% | 2,473 |
| Noninterest expense to average assets | 2.6355% | 3,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0814% | 1,980 |
| Return on assets (ROA) | 1.0814% | 2,083 |
| Pretax return on assets | 1.0814% | 3,164 |
| Return on Equity (ROE) | 12.9886% | 1,041 |
| Retained earnings to average equity (ytd only) | 12.9886% | 395 |
| Net charge-offs to loans | -1.0924% | 6,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9052% | 2,965 |
| Assets per employee ($millions) | 4.5014% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 1,572 |
| Loan loss allowance to noncurrent loans | 64.9541% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 1,824 |
| Noncurrent loans to loans | 2.4817% | 762 |
| Net loans and leases to total assets | 43.6373% | 5,266 |
| Net loans and leases to deposits | 47.7809% | 5,428 |
| Net loans and leases to core deposits | 51.8788% | 5,358 |
| Total domestic deposits to total assets | 91.3279% | 190 |
| Equity capital to assets | 8.5711% | 5,521 |
| Core capital (leverage) ratio | 8.5217% | 5,374 |
| Tier 1 risk-based capital ratio | 15.8288% | 2,770 |
| Total risk-based capital ratio | 17.0781% | 2,699 |
| Memoranda: | ||
| Average total assets | $49,934,500 | 5,516 |
| Average earning assets | $39,703,500 | 5,643 |
| Average equity | $4,157,500 | 5,779 |
| Average total loans | $21,969,500 | 5,614 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 3,250 |
| Cost of funding earning assets | 0.5107% | 2,064 |
| Net interest margin | 3.5062% | 3,499 |
| Noninterest income to average assets | 0.6005% | 2,709 |
| Noninterest expense to average assets | 2.9504% | 2,700 |
| Loan and lease loss provision to assets | 0.0301% | 3,769 |
| Net operating income to assets | 0.5845% | 4,357 |
| Return on assets (ROA) | 0.5845% | 4,451 |
| Pretax return on assets | 0.5845% | 4,885 |
| Return on Equity (ROE) | 7.0310% | 3,499 |
| Retained earnings to average equity (ytd only) | 0.6524% | 5,249 |
| Net charge-offs to loans | 0.2988% | 1,009 |
| Credit loss provision to net charge-offs | 23.4375% | 3,717 |
| Earnings coverage of net charge-offs (x) | 4.7813% | 3,491 |
| Efficiency ratio | 82.7606% | 1,300 |
| Assets per employee ($millions) | 4.5776% | 2,916 |
| Cash dividends to net income (ytd only)* | 90.7216% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 2,717 |
| Loan loss allowance to noncurrent loans | 61.1227% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.0506% | 2,085 |
| Noncurrent loans to loans | 2.1886% | 913 |
| Net loans and leases to total assets | 43.0631% | 5,341 |
| Net loans and leases to deposits | 46.8823% | 5,522 |
| Net loans and leases to core deposits | 50.7977% | 5,461 |
| Total domestic deposits to total assets | 91.8537% | 123 |
| Equity capital to assets | 8.0848% | 5,820 |
| Core capital (leverage) ratio | 8.1080% | 5,771 |
| Tier 1 risk-based capital ratio | 15.1951% | 3,082 |
| Total risk-based capital ratio | 16.2890% | 3,096 |
| Memoranda: | ||
| Average total assets | $49,789,600 | 5,548 |
| Average earning assets | $42,097,000 | 5,632 |
| Average equity | $4,138,800 | 5,830 |
| Average total loans | $21,420,800 | 5,664 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 3,526 |
| Cost of funding earning assets | 0.5275% | 1,983 |
| Net interest margin | 3.4273% | 3,847 |
| Noninterest income to average assets | 0.5908% | 2,798 |
| Noninterest expense to average assets | 2.8036% | 3,175 |
| Loan and lease loss provision to assets | 0.0134% | 4,002 |
| Net operating income to assets | 0.6526% | 4,119 |
| Return on assets (ROA) | 0.6526% | 4,229 |
| Pretax return on assets | 0.6526% | 4,820 |
| Return on Equity (ROE) | 7.7962% | 3,194 |
| Retained earnings to average equity (ytd only) | 3.5613% | 3,935 |
| Net charge-offs to loans | 0.3634% | 723 |
| Credit loss provision to net charge-offs | 8.6207% | 3,461 |
| Earnings coverage of net charge-offs (x) | 4.2760% | 3,377 |
| Efficiency ratio | 80.8050% | 1,547 |
| Assets per employee ($millions) | 4.5532% | 2,914 |
| Cash dividends to net income (ytd only)* | 54.3227% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 2,927 |
| Loan loss allowance to noncurrent loans | 54.7170% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 2,061 |
| Noncurrent loans to loans | 2.4403% | 841 |
| Net loans and leases to total assets | 42.7853% | 5,442 |
| Net loans and leases to deposits | 46.7566% | 5,621 |
| Net loans and leases to core deposits | 51.0008% | 5,542 |
| Total domestic deposits to total assets | 91.5064% | 156 |
| Equity capital to assets | 8.3778% | 5,781 |
| Core capital (leverage) ratio | 8.3530% | 5,672 |
| Tier 1 risk-based capital ratio | 15.6729% | 2,961 |
| Total risk-based capital ratio | 16.7632% | 2,966 |
| Memoranda: | ||
| Average total assets | $49,648,500 | 5,614 |
| Average earning assets | $41,703,750 | 5,708 |
| Average equity | $4,155,750 | 5,909 |
| Average total loans | $21,281,500 | 5,739 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 3,187 |
| Cost of funding earning assets | 0.5385% | 1,915 |
| Net interest margin | 3.4856% | 3,556 |
| Noninterest income to average assets | 0.6020% | 2,729 |
| Noninterest expense to average assets | 2.8645% | 3,015 |
| Loan and lease loss provision to assets | 0.0202% | 3,730 |
| Net operating income to assets | 0.6464% | 4,136 |
| Return on assets (ROA) | 0.6464% | 4,246 |
| Pretax return on assets | 0.6464% | 4,834 |
| Return on Equity (ROE) | 7.7251% | 3,203 |
| Retained earnings to average equity (ytd only) | 7.7251% | 1,379 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1213% | 1,604 |
| Assets per employee ($millions) | 4.1444% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,893 |
| Loan loss allowance to noncurrent loans | 89.4602% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 0.8787% | 2,788 |
| Noncurrent loans to loans | 1.7944% | 1,428 |
| Net loans and leases to total assets | 42.8910% | 5,443 |
| Net loans and leases to deposits | 46.9288% | 5,633 |
| Net loans and leases to core deposits | 51.5329% | 5,558 |
| Total domestic deposits to total assets | 91.3961% | 208 |
| Equity capital to assets | 8.5175% | 5,670 |
| Core capital (leverage) ratio | 8.5108% | 5,519 |
| Tier 1 risk-based capital ratio | 16.0911% | 2,813 |
| Total risk-based capital ratio | 17.3389% | 2,768 |
| Memoranda: | ||
| Average total assets | $49,503,000 | 5,680 |
| Average earning assets | $41,599,670 | 5,774 |
| Average equity | $4,142,330 | 5,969 |
| Average total loans | $21,135,670 | 5,806 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8740% | 3,730 |
| Cost of funding earning assets | 0.5278% | 2,026 |
| Net interest margin | 3.3462% | 4,038 |
| Noninterest income to average assets | 0.5588% | 2,897 |
| Noninterest expense to average assets | 2.8428% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5912% | 4,324 |
| Return on assets (ROA) | 0.5912% | 4,422 |
| Pretax return on assets | 0.5912% | 4,937 |
| Return on Equity (ROE) | 7.1298% | 3,436 |
| Retained earnings to average equity (ytd only) | 7.1298% | 1,958 |
| Net charge-offs to loans | -0.0192% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7830% | 1,525 |
| Assets per employee ($millions) | 4.1435% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6628% | 1,842 |
| Loan loss allowance to noncurrent loans | 111.6883% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7160% | 3,350 |
| Noncurrent loans to loans | 1.4888% | 1,903 |
| Net loans and leases to total assets | 40.9155% | 5,551 |
| Net loans and leases to deposits | 44.6630% | 5,728 |
| Net loans and leases to core deposits | 49.0240% | 5,635 |
| Total domestic deposits to total assets | 91.6093% | 209 |
| Equity capital to assets | 8.3223% | 5,854 |
| Core capital (leverage) ratio | 8.4695% | 5,549 |
| Tier 1 risk-based capital ratio | 16.4091% | 2,730 |
| Total risk-based capital ratio | 17.6564% | 2,675 |
| Memoranda: | ||
| Average total assets | $49,388,000 | 5,736 |
| Average earning assets | $42,436,500 | 5,801 |
| Average equity | $4,095,500 | 6,034 |
| Average total loans | $20,864,000 | 5,858 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 2,761 |
| Cost of funding earning assets | 0.5718% | 2,028 |
| Net interest margin | 3.6831% | 3,070 |
| Noninterest income to average assets | 0.6838% | 2,376 |
| Noninterest expense to average assets | 3.0835% | 2,578 |
| Loan and lease loss provision to assets | 0.0441% | 3,687 |
| Net operating income to assets | 0.7102% | 3,836 |
| Return on assets (ROA) | 0.7102% | 3,950 |
| Pretax return on assets | 0.7102% | 4,581 |
| Return on Equity (ROE) | 7.8525% | 3,208 |
| Retained earnings to average equity (ytd only) | 1.4144% | 5,131 |
| Net charge-offs to loans | 0.5121% | 798 |
| Credit loss provision to net charge-offs | 18.0180% | 3,997 |
| Earnings coverage of net charge-offs (x) | 3.0811% | 3,979 |
| Efficiency ratio | 80.3448% | 1,876 |
| Assets per employee ($millions) | 4.0878% | 3,746 |
| Cash dividends to net income (ytd only)* | 81.9876% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 1,994 |
| Loan loss allowance to noncurrent loans | 135.0394% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.7074% | 3,449 |
| Noncurrent loans to loans | 1.2072% | 2,434 |
| Net loans and leases to total assets | 42.1923% | 5,602 |
| Net loans and leases to deposits | 46.0240% | 5,796 |
| Net loans and leases to core deposits | 50.5705% | 5,689 |
| Total domestic deposits to total assets | 91.6745% | 192 |
| Equity capital to assets | 8.2623% | 5,921 |
| Core capital (leverage) ratio | 8.3820% | 5,685 |
| Tier 1 risk-based capital ratio | 16.8564% | 2,573 |
| Total risk-based capital ratio | 18.1067% | 2,516 |
| Memoranda: | ||
| Average total assets | $45,337,600 | 5,896 |
| Average earning assets | $38,826,400 | 5,957 |
| Average equity | $4,100,600 | 6,074 |
| Average total loans | $21,677,400 | 5,893 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 2,534 |
| Cost of funding earning assets | 0.5783% | 2,031 |
| Net interest margin | 3.7432% | 2,845 |
| Noninterest income to average assets | 0.6695% | 2,475 |
| Noninterest expense to average assets | 3.1074% | 2,450 |
| Loan and lease loss provision to assets | 0.0300% | 3,809 |
| Net operating income to assets | 0.7386% | 3,733 |
| Return on assets (ROA) | 0.7986% | 3,533 |
| Pretax return on assets | 0.7986% | 4,368 |
| Return on Equity (ROE) | 8.6240% | 2,892 |
| Retained earnings to average equity (ytd only) | 4.3443% | 3,564 |
| Net charge-offs to loans | 0.6167% | 589 |
| Credit loss provision to net charge-offs | 9.9010% | 3,707 |
| Earnings coverage of net charge-offs (x) | 2.5347% | 3,890 |
| Efficiency ratio | 80.1704% | 1,889 |
| Assets per employee ($millions) | 3.8272% | 4,229 |
| Cash dividends to net income (ytd only)* | 49.6250% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5895% | 2,333 |
| Loan loss allowance to noncurrent loans | 63.6364% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.3761% | 2,245 |
| Noncurrent loans to loans | 2.4978% | 1,173 |
| Net loans and leases to total assets | 46.2396% | 5,352 |
| Net loans and leases to deposits | 50.8659% | 5,590 |
| Net loans and leases to core deposits | 55.9431% | 5,453 |
| Total domestic deposits to total assets | 90.9049% | 389 |
| Equity capital to assets | 8.9797% | 5,376 |
| Core capital (leverage) ratio | 9.0873% | 4,950 |
| Tier 1 risk-based capital ratio | 17.4005% | 2,428 |
| Total risk-based capital ratio | 18.6548% | 2,391 |
| Memoranda: | ||
| Average total assets | $44,408,500 | 5,988 |
| Average earning assets | $38,041,750 | 6,052 |
| Average equity | $4,112,500 | 6,137 |
| Average total loans | $21,836,750 | 5,955 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 2,187 |
| Cost of funding earning assets | 0.5833% | 2,046 |
| Net interest margin | 3.8130% | 2,520 |
| Noninterest income to average assets | 0.7016% | 2,269 |
| Noninterest expense to average assets | 2.9884% | 2,870 |
| Loan and lease loss provision to assets | 0.0228% | 3,823 |
| Net operating income to assets | 0.9658% | 2,473 |
| Return on assets (ROA) | 0.9658% | 2,563 |
| Pretax return on assets | 0.9658% | 3,621 |
| Return on Equity (ROE) | 10.3196% | 2,003 |
| Retained earnings to average equity (ytd only) | 10.3196% | 646 |
| Net charge-offs to loans | 0.4288% | 953 |
| Credit loss provision to net charge-offs | 10.6383% | 3,293 |
| Earnings coverage of net charge-offs (x) | 4.6170% | 3,074 |
| Efficiency ratio | 75.1432% | 2,787 |
| Assets per employee ($millions) | 3.7440% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7835% | 1,884 |
| Loan loss allowance to noncurrent loans | 227.9070% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 4,213 |
| Noncurrent loans to loans | 0.7826% | 3,744 |
| Net loans and leases to total assets | 48.0480% | 5,167 |
| Net loans and leases to deposits | 53.0771% | 5,416 |
| Net loans and leases to core deposits | 59.3408% | 5,175 |
| Total domestic deposits to total assets | 90.5248% | 581 |
| Equity capital to assets | 9.3795% | 4,861 |
| Core capital (leverage) ratio | 9.4351% | 4,421 |
| Tier 1 risk-based capital ratio | 17.7243% | 2,341 |
| Total risk-based capital ratio | 18.9783% | 2,309 |
| Memoranda: | ||
| Average total assets | $43,902,670 | 6,059 |
| Average earning assets | $37,713,330 | 6,120 |
| Average equity | $4,108,670 | 6,176 |
| Average total loans | $21,922,670 | 5,996 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3068% | 2,495 |
| Cost of funding earning assets | 0.5800% | 2,156 |
| Net interest margin | 3.7269% | 2,761 |
| Noninterest income to average assets | 0.7006% | 2,164 |
| Noninterest expense to average assets | 2.9776% | 2,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9219% | 2,542 |
| Return on assets (ROA) | 0.9219% | 2,613 |
| Pretax return on assets | 0.9219% | 3,615 |
| Return on Equity (ROE) | 9.8619% | 2,095 |
| Retained earnings to average equity (ytd only) | 9.8619% | 1,000 |
| Net charge-offs to loans | 0.3654% | 988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,446 |
| Efficiency ratio | 76.3593% | 2,742 |
| Assets per employee ($millions) | 3.9920% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8981% | 1,758 |
| Loan loss allowance to noncurrent loans | 141.7808% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.9109% | 3,453 |
| Noncurrent loans to loans | 1.3388% | 2,801 |
| Net loans and leases to total assets | 48.7270% | 5,034 |
| Net loans and leases to deposits | 53.8073% | 5,306 |
| Net loans and leases to core deposits | 60.3038% | 5,010 |
| Total domestic deposits to total assets | 90.5584% | 768 |
| Equity capital to assets | 9.3391% | 4,713 |
| Core capital (leverage) ratio | 9.4114% | 4,405 |
| Tier 1 risk-based capital ratio | 17.3171% | 2,550 |
| Total risk-based capital ratio | 18.5715% | 2,514 |
| Memoranda: | ||
| Average total assets | $43,390,000 | 6,130 |
| Average earning assets | $37,243,000 | 6,195 |
| Average equity | $4,056,000 | 6,239 |
| Average total loans | $21,894,500 | 6,052 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9199% | 1,054 |
| Cost of funding earning assets | 0.6125% | 2,548 |
| Net interest margin | 4.3074% | 1,092 |
| Noninterest income to average assets | 0.7810% | 2,160 |
| Noninterest expense to average assets | 2.9812% | 3,108 |
| Loan and lease loss provision to assets | 0.2619% | 1,357 |
| Net operating income to assets | 1.1215% | 1,860 |
| Return on assets (ROA) | 1.1215% | 1,927 |
| Pretax return on assets | 1.1215% | 2,880 |
| Return on Equity (ROE) | 11.7980% | 1,486 |
| Retained earnings to average equity (ytd only) | 4.6340% | 2,860 |
| Net charge-offs to loans | 0.0487% | 4,542 |
| Credit loss provision to net charge-offs | 1,000.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 52.8182% | 763 |
| Efficiency ratio | 68.3033% | 4,140 |
| Assets per employee ($millions) | 3.8971% | 4,070 |
| Cash dividends to net income (ytd only)* | 60.7219% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9747% | 1,614 |
| Loan loss allowance to noncurrent loans | 146.1279% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.9098% | 3,610 |
| Noncurrent loans to loans | 1.3514% | 2,877 |
| Net loans and leases to total assets | 50.2566% | 5,056 |
| Net loans and leases to deposits | 55.5015% | 5,351 |
| Net loans and leases to core deposits | 61.4788% | 5,108 |
| Total domestic deposits to total assets | 90.5501% | 782 |
| Equity capital to assets | 9.3566% | 4,608 |
| Core capital (leverage) ratio | 9.4103% | 4,397 |
| Tier 1 risk-based capital ratio | 16.9514% | 2,631 |
| Total risk-based capital ratio | 18.2103% | 2,590 |
| Memoranda: | ||
| Average total assets | $41,996,400 | 6,226 |
| Average earning assets | $34,940,000 | 6,321 |
| Average equity | $3,992,200 | 6,328 |
| Average total loans | $22,582,000 | 6,096 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9389% | 1,050 |
| Cost of funding earning assets | 0.6179% | 2,663 |
| Net interest margin | 4.3211% | 1,048 |
| Noninterest income to average assets | 0.7819% | 2,241 |
| Noninterest expense to average assets | 2.7605% | 3,792 |
| Loan and lease loss provision to assets | 0.3191% | 1,052 |
| Net operating income to assets | 1.2734% | 1,420 |
| Return on assets (ROA) | 1.2734% | 1,493 |
| Pretax return on assets | 1.2734% | 2,438 |
| Return on Equity (ROE) | 13.3414% | 1,156 |
| Retained earnings to average equity (ytd only) | 8.9276% | 1,077 |
| Net charge-offs to loans | 0.0234% | 4,663 |
| Credit loss provision to net charge-offs | 2,500.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 124.8255% | 421 |
| Efficiency ratio | 63.4164% | 4,902 |
| Assets per employee ($millions) | 3.7662% | 4,309 |
| Cash dividends to net income (ytd only)* | 33.0833% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9390% | 1,891 |
| Loan loss allowance to noncurrent loans | 141.3115% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.9728% | 3,714 |
| Noncurrent loans to loans | 1.3721% | 3,125 |
| Net loans and leases to total assets | 52.6142% | 4,803 |
| Net loans and leases to deposits | 58.4856% | 5,141 |
| Net loans and leases to core deposits | 65.5687% | 4,748 |
| Total domestic deposits to total assets | 89.9609% | 1,019 |
| Equity capital to assets | 9.8967% | 4,058 |
| Core capital (leverage) ratio | 9.7502% | 4,031 |
| Tier 1 risk-based capital ratio | 17.2571% | 2,603 |
| Total risk-based capital ratio | 18.5127% | 2,564 |
| Memoranda: | ||
| Average total assets | $41,778,500 | 6,303 |
| Average earning assets | $34,527,500 | 6,405 |
| Average equity | $3,987,500 | 6,405 |
| Average total loans | $22,733,000 | 6,153 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 1,081 |
| Cost of funding earning assets | 0.6191% | 2,780 |
| Net interest margin | 4.2873% | 1,056 |
| Noninterest income to average assets | 0.7017% | 2,628 |
| Noninterest expense to average assets | 2.8882% | 3,367 |
| Loan and lease loss provision to assets | 0.2864% | 1,270 |
| Net operating income to assets | 1.0646% | 2,057 |
| Return on assets (ROA) | 1.0646% | 2,176 |
| Pretax return on assets | 1.0646% | 3,246 |
| Return on Equity (ROE) | 11.2911% | 1,722 |
| Retained earnings to average equity (ytd only) | 11.2911% | 596 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1306% | 4,158 |
| Assets per employee ($millions) | 3.4772% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7325% | 2,658 |
| Loan loss allowance to noncurrent loans | 78.5288% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.3205% | 3,136 |
| Noncurrent loans to loans | 2.2061% | 2,171 |
| Net loans and leases to total assets | 53.6955% | 4,634 |
| Net loans and leases to deposits | 59.6623% | 5,008 |
| Net loans and leases to core deposits | 67.8241% | 4,516 |
| Total domestic deposits to total assets | 89.9990% | 1,021 |
| Equity capital to assets | 9.7397% | 4,251 |
| Core capital (leverage) ratio | 9.5315% | 4,196 |
| Tier 1 risk-based capital ratio | 16.7851% | 2,795 |
| Total risk-based capital ratio | 18.0405% | 2,765 |
| Memoranda: | ||
| Average total assets | $41,895,330 | 6,346 |
| Average earning assets | $34,567,000 | 6,445 |
| Average equity | $3,950,000 | 6,461 |
| Average total loans | $22,901,330 | 6,174 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7341% | 1,445 |
| Cost of funding earning assets | 0.6305% | 2,842 |
| Net interest margin | 4.1037% | 1,448 |
| Noninterest income to average assets | 0.6479% | 2,888 |
| Noninterest expense to average assets | 2.9252% | 3,251 |
| Loan and lease loss provision to assets | 0.2859% | 1,233 |
| Net operating income to assets | 0.8480% | 2,908 |
| Return on assets (ROA) | 0.8480% | 3,049 |
| Pretax return on assets | 0.8480% | 3,957 |
| Return on Equity (ROE) | 9.1446% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.1446% | 1,336 |
| Net charge-offs to loans | -0.0523% | 6,155 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0657% | 3,601 |
| Assets per employee ($millions) | 3.2852% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 3,336 |
| Loan loss allowance to noncurrent loans | 60.2291% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 1.5430% | 2,952 |
| Noncurrent loans to loans | 2.6818% | 1,906 |
| Net loans and leases to total assets | 52.4843% | 4,627 |
| Net loans and leases to deposits | 57.8855% | 5,055 |
| Net loans and leases to core deposits | 65.0408% | 4,646 |
| Total domestic deposits to total assets | 90.6692% | 686 |
| Equity capital to assets | 9.2114% | 5,239 |
| Core capital (leverage) ratio | 9.2328% | 4,510 |
| Tier 1 risk-based capital ratio | 16.1256% | 3,193 |
| Total risk-based capital ratio | 17.3771% | 3,152 |
| Memoranda: | ||
| Average total assets | $41,980,000 | 6,403 |
| Average earning assets | $34,895,500 | 6,492 |
| Average equity | $3,893,000 | 6,539 |
| Average total loans | $22,952,000 | 6,224 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1457% | 1,220 |
| Cost of funding earning assets | 0.6553% | 3,870 |
| Net interest margin | 4.4904% | 962 |
| Noninterest income to average assets | 0.8938% | 1,879 |
| Noninterest expense to average assets | 3.5128% | 1,783 |
| Loan and lease loss provision to assets | 0.0499% | 5,190 |
| Net operating income to assets | 1.1634% | 1,721 |
| Return on assets (ROA) | 1.1659% | 1,871 |
| Pretax return on assets | 1.1659% | 2,919 |
| Return on Equity (ROE) | 12.2514% | 1,433 |
| Retained earnings to average equity (ytd only) | 4.7484% | 2,883 |
| Net charge-offs to loans | 0.2526% | 3,425 |
| Credit loss provision to net charge-offs | 35.0877% | 5,021 |
| Earnings coverage of net charge-offs (x) | 8.5263% | 2,394 |
| Efficiency ratio | 74.3265% | 3,018 |
| Assets per employee ($millions) | 3.4377% | 5,130 |
| Cash dividends to net income (ytd only)* | 61.2420% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 3,947 |
| Loan loss allowance to noncurrent loans | 45.7026% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 1.8448% | 2,649 |
| Noncurrent loans to loans | 3.1703% | 1,628 |
| Net loans and leases to total assets | 55.2361% | 4,414 |
| Net loans and leases to deposits | 60.9985% | 4,913 |
| Net loans and leases to core deposits | 67.3087% | 4,614 |
| Total domestic deposits to total assets | 90.5532% | 679 |
| Equity capital to assets | 9.3377% | 5,099 |
| Core capital (leverage) ratio | 9.2904% | 4,433 |
| Tier 1 risk-based capital ratio | 15.7768% | 3,277 |
| Total risk-based capital ratio | 17.0299% | 3,235 |
| Memoranda: | ||
| Average total assets | $40,053,600 | 6,499 |
| Average earning assets | $34,184,000 | 6,551 |
| Average equity | $3,811,800 | 6,608 |
| Average total loans | $22,569,200 | 6,321 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0976% | 1,433 |
| Cost of funding earning assets | 0.6547% | 4,156 |
| Net interest margin | 4.4428% | 1,108 |
| Noninterest income to average assets | 0.5668% | 3,494 |
| Noninterest expense to average assets | 3.2298% | 2,481 |
| Loan and lease loss provision to assets | 0.0335% | 5,355 |
| Net operating income to assets | 1.1269% | 2,000 |
| Return on assets (ROA) | 1.1303% | 2,180 |
| Pretax return on assets | 1.1303% | 3,233 |
| Return on Equity (ROE) | 11.8188% | 1,691 |
| Retained earnings to average equity (ytd only) | 7.1896% | 2,017 |
| Net charge-offs to loans | 0.2081% | 3,485 |
| Credit loss provision to net charge-offs | 28.5714% | 4,819 |
| Earnings coverage of net charge-offs (x) | 9.8847% | 2,260 |
| Efficiency ratio | 73.5676% | 3,057 |
| Assets per employee ($millions) | 3.0696% | 5,924 |
| Cash dividends to net income (ytd only)* | 39.1703% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 3,831 |
| Loan loss allowance to noncurrent loans | 98.8604% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.3808% | 3,535 |
| Noncurrent loans to loans | 1.5446% | 3,473 |
| Net loans and leases to total assets | 56.0757% | 4,439 |
| Net loans and leases to deposits | 62.3454% | 4,923 |
| Net loans and leases to core deposits | 69.0733% | 4,600 |
| Total domestic deposits to total assets | 89.9436% | 882 |
| Equity capital to assets | 9.7306% | 4,886 |
| Core capital (leverage) ratio | 9.6692% | 4,014 |
| Tier 1 risk-based capital ratio | 16.0902% | 3,221 |
| Total risk-based capital ratio | 17.3437% | 3,190 |
| Memoranda: | ||
| Average total assets | $39,754,000 | 6,590 |
| Average earning assets | $34,211,500 | 6,633 |
| Average equity | $3,801,750 | 6,692 |
| Average total loans | $22,431,250 | 6,401 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0168% | 1,740 |
| Cost of funding earning assets | 0.6584% | 4,371 |
| Net interest margin | 4.3583% | 1,312 |
| Noninterest income to average assets | 0.5188% | 3,795 |
| Noninterest expense to average assets | 3.3297% | 2,219 |
| Loan and lease loss provision to assets | 0.0504% | 5,039 |
| Net operating income to assets | 0.9067% | 2,882 |
| Return on assets (ROA) | 0.9118% | 3,114 |
| Pretax return on assets | 0.9118% | 4,032 |
| Return on Equity (ROE) | 9.5902% | 2,534 |
| Retained earnings to average equity (ytd only) | 9.5902% | 1,086 |
| Net charge-offs to loans | 0.2955% | 2,848 |
| Credit loss provision to net charge-offs | 30.3030% | 4,437 |
| Earnings coverage of net charge-offs (x) | 5.7576% | 2,759 |
| Efficiency ratio | 77.6733% | 2,503 |
| Assets per employee ($millions) | 3.0742% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 3,826 |
| Loan loss allowance to noncurrent loans | 128.7823% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 1.1835% | 4,042 |
| Noncurrent loans to loans | 1.1947% | 4,159 |
| Net loans and leases to total assets | 55.8864% | 4,487 |
| Net loans and leases to deposits | 62.0744% | 4,982 |
| Net loans and leases to core deposits | 69.8121% | 4,547 |
| Total domestic deposits to total assets | 90.0313% | 909 |
| Equity capital to assets | 9.6660% | 4,800 |
| Core capital (leverage) ratio | 9.4867% | 4,155 |
| Tier 1 risk-based capital ratio | 16.0301% | 3,149 |
| Total risk-based capital ratio | 17.2822% | 3,120 |
| Memoranda: | ||
| Average total assets | $39,703,670 | 6,642 |
| Average earning assets | $34,325,000 | 6,675 |
| Average equity | $3,774,670 | 6,734 |
| Average total loans | $22,333,670 | 6,445 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9297% | 2,137 |
| Cost of funding earning assets | 0.6511% | 4,724 |
| Net interest margin | 4.2786% | 1,535 |
| Noninterest income to average assets | 0.7379% | 2,456 |
| Noninterest expense to average assets | 3.4973% | 1,769 |
| Loan and lease loss provision to assets | 0.1011% | 4,074 |
| Net operating income to assets | 0.8592% | 3,112 |
| Return on assets (ROA) | 0.8592% | 3,345 |
| Pretax return on assets | 0.8592% | 4,195 |
| Return on Equity (ROE) | 9.1141% | 2,782 |
| Retained earnings to average equity (ytd only) | 9.1141% | 1,551 |
| Net charge-offs to loans | 0.5054% | 1,823 |
| Credit loss provision to net charge-offs | 35.7143% | 3,520 |
| Earnings coverage of net charge-offs (x) | 3.3929% | 2,855 |
| Efficiency ratio | 78.4580% | 2,435 |
| Assets per employee ($millions) | 3.0955% | 5,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 3,722 |
| Loan loss allowance to noncurrent loans | 96.7213% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.4140% | 3,748 |
| Noncurrent loans to loans | 1.6531% | 3,619 |
| Net loans and leases to total assets | 54.1388% | 4,697 |
| Net loans and leases to deposits | 59.9571% | 5,155 |
| Net loans and leases to core deposits | 67.9687% | 4,678 |
| Total domestic deposits to total assets | 90.2960% | 918 |
| Equity capital to assets | 9.3735% | 4,999 |
| Core capital (leverage) ratio | 9.4205% | 4,169 |
| Tier 1 risk-based capital ratio | 15.7998% | 3,283 |
| Total risk-based capital ratio | 17.0534% | 3,251 |
| Memoranda: | ||
| Average total assets | $39,573,000 | 6,698 |
| Average earning assets | $34,404,000 | 6,727 |
| Average equity | $3,730,500 | 6,791 |
| Average total loans | $22,158,500 | 6,501 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4358% | 1,331 |
| Cost of funding earning assets | 0.7912% | 4,929 |
| Net interest margin | 4.6445% | 843 |
| Noninterest income to average assets | 0.8124% | 1,994 |
| Noninterest expense to average assets | 3.5534% | 1,853 |
| Loan and lease loss provision to assets | 0.1094% | 5,224 |
| Net operating income to assets | 1.0997% | 1,836 |
| Return on assets (ROA) | 1.0997% | 1,949 |
| Pretax return on assets | 1.0997% | 2,838 |
| Return on Equity (ROE) | 10.9465% | 1,712 |
| Retained earnings to average equity (ytd only) | 3.1587% | 3,975 |
| Net charge-offs to loans | 0.1422% | 5,007 |
| Credit loss provision to net charge-offs | 129.0323% | 2,382 |
| Earnings coverage of net charge-offs (x) | 14.2581% | 1,472 |
| Efficiency ratio | 74.6123% | 3,122 |
| Assets per employee ($millions) | 2.9927% | 6,097 |
| Cash dividends to net income (ytd only)* | 71.1443% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 3,288 |
| Loan loss allowance to noncurrent loans | 110.3858% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 1.2878% | 4,068 |
| Noncurrent loans to loans | 1.5196% | 3,869 |
| Net loans and leases to total assets | 56.0468% | 4,690 |
| Net loans and leases to deposits | 62.1703% | 5,218 |
| Net loans and leases to core deposits | 70.6922% | 4,686 |
| Total domestic deposits to total assets | 90.1504% | 913 |
| Equity capital to assets | 9.4821% | 4,910 |
| Core capital (leverage) ratio | 9.2762% | 4,363 |
| Tier 1 risk-based capital ratio | 15.5626% | 3,287 |
| Total risk-based capital ratio | 16.8181% | 3,241 |
| Memoranda: | ||
| Average total assets | $36,556,600 | 6,780 |
| Average earning assets | $31,090,400 | 6,835 |
| Average equity | $3,672,400 | 6,836 |
| Average total loans | $21,805,800 | 6,567 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5419% | 1,157 |
| Cost of funding earning assets | 0.8295% | 4,951 |
| Net interest margin | 4.7124% | 744 |
| Noninterest income to average assets | 0.8377% | 1,887 |
| Noninterest expense to average assets | 3.5103% | 1,915 |
| Loan and lease loss provision to assets | 0.1483% | 4,593 |
| Net operating income to assets | 1.1380% | 1,848 |
| Return on assets (ROA) | 1.1380% | 1,969 |
| Pretax return on assets | 1.1380% | 2,864 |
| Return on Equity (ROE) | 11.1585% | 1,803 |
| Retained earnings to average equity (ytd only) | 6.3608% | 2,318 |
| Net charge-offs to loans | 0.1535% | 4,539 |
| Credit loss provision to net charge-offs | 160.0000% | 1,922 |
| Earnings coverage of net charge-offs (x) | 13.8812% | 1,577 |
| Efficiency ratio | 73.1839% | 3,334 |
| Assets per employee ($millions) | 3.2398% | 5,590 |
| Cash dividends to net income (ytd only)* | 42.9981% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 3,117 |
| Loan loss allowance to noncurrent loans | 63.0000% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 1.9703% | 3,180 |
| Noncurrent loans to loans | 2.7729% | 2,510 |
| Net loans and leases to total assets | 54.6853% | 5,059 |
| Net loans and leases to deposits | 60.8716% | 5,533 |
| Net loans and leases to core deposits | 67.0578% | 5,301 |
| Total domestic deposits to total assets | 89.8372% | 958 |
| Equity capital to assets | 9.6767% | 4,811 |
| Core capital (leverage) ratio | 9.8894% | 3,588 |
| Tier 1 risk-based capital ratio | 15.8156% | 3,209 |
| Total risk-based capital ratio | 17.0708% | 3,165 |
| Memoranda: | ||
| Average total assets | $35,969,500 | 6,856 |
| Average earning assets | $30,217,250 | 6,931 |
| Average equity | $3,668,250 | 6,893 |
| Average total loans | $21,713,000 | 6,635 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5561% | 1,160 |
| Cost of funding earning assets | 0.8584% | 4,996 |
| Net interest margin | 4.6977% | 734 |
| Noninterest income to average assets | 0.8514% | 1,799 |
| Noninterest expense to average assets | 3.6628% | 1,599 |
| Loan and lease loss provision to assets | 0.2286% | 3,630 |
| Net operating income to assets | 0.9314% | 2,511 |
| Return on assets (ROA) | 0.9314% | 2,616 |
| Pretax return on assets | 0.9314% | 3,501 |
| Return on Equity (ROE) | 8.9634% | 2,533 |
| Retained earnings to average equity (ytd only) | 8.9634% | 1,120 |
| Net charge-offs to loans | 0.1288% | 4,449 |
| Credit loss provision to net charge-offs | 285.7143% | 1,066 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,477 |
| Efficiency ratio | 75.9479% | 3,017 |
| Assets per employee ($millions) | 2.7868% | 6,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8208% | 2,917 |
| Loan loss allowance to noncurrent loans | 81.7227% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.7776% | 3,542 |
| Noncurrent loans to loans | 2.2280% | 3,191 |
| Net loans and leases to total assets | 57.8972% | 4,651 |
| Net loans and leases to deposits | 64.9320% | 5,161 |
| Net loans and leases to core deposits | 71.6996% | 4,851 |
| Total domestic deposits to total assets | 89.1658% | 1,438 |
| Equity capital to assets | 10.3263% | 3,717 |
| Core capital (leverage) ratio | 10.3248% | 2,906 |
| Tier 1 risk-based capital ratio | 16.2294% | 2,870 |
| Total risk-based capital ratio | 17.4860% | 2,835 |
| Memoranda: | ||
| Average total assets | $35,000,330 | 6,956 |
| Average earning assets | $29,589,000 | 7,012 |
| Average equity | $3,637,000 | 6,945 |
| Average total loans | $21,738,000 | 6,700 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6806% | 919 |
| Cost of funding earning assets | 0.8718% | 5,120 |
| Net interest margin | 4.8088% | 562 |
| Noninterest income to average assets | 0.8724% | 1,758 |
| Noninterest expense to average assets | 3.7224% | 1,492 |
| Loan and lease loss provision to assets | 0.3490% | 2,467 |
| Net operating income to assets | 0.9073% | 2,529 |
| Return on assets (ROA) | 0.9073% | 2,589 |
| Pretax return on assets | 0.9073% | 3,468 |
| Return on Equity (ROE) | 8.7029% | 2,604 |
| Retained earnings to average equity (ytd only) | 8.7029% | 1,488 |
| Net charge-offs to loans | -0.1095% | 7,114 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7664% | 3,373 |
| Assets per employee ($millions) | 2.6708% | 6,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8494% | 2,855 |
| Loan loss allowance to noncurrent loans | 119.8198% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 1.0599% | 4,809 |
| Noncurrent loans to loans | 1.5435% | 4,152 |
| Net loans and leases to total assets | 60.9879% | 4,082 |
| Net loans and leases to deposits | 68.4832% | 4,611 |
| Net loans and leases to core deposits | 75.9560% | 4,310 |
| Total domestic deposits to total assets | 89.0553% | 1,738 |
| Equity capital to assets | 10.4579% | 3,231 |
| Core capital (leverage) ratio | 10.5309% | 2,583 |
| Tier 1 risk-based capital ratio | 16.0615% | 2,878 |
| Total risk-based capital ratio | 17.3165% | 2,853 |
| Memoranda: | ||
| Average total assets | $34,386,500 | 7,030 |
| Average earning assets | $29,363,000 | 7,072 |
| Average equity | $3,585,000 | 6,993 |
| Average total loans | $21,925,000 | 6,743 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1309% | 654 |
| Cost of funding earning assets | 0.9495% | 5,942 |
| Net interest margin | 5.1815% | 294 |
| Noninterest income to average assets | 0.8231% | 2,175 |
| Noninterest expense to average assets | 3.8926% | 1,327 |
| Loan and lease loss provision to assets | 0.3269% | 4,195 |
| Net operating income to assets | 1.1440% | 1,563 |
| Return on assets (ROA) | 1.1440% | 1,644 |
| Pretax return on assets | 1.1440% | 2,421 |
| Return on Equity (ROE) | 10.6767% | 1,700 |
| Retained earnings to average equity (ytd only) | 2.7454% | 3,932 |
| Net charge-offs to loans | 0.3109% | 4,464 |
| Credit loss provision to net charge-offs | 159.4203% | 2,199 |
| Earnings coverage of net charge-offs (x) | 7.1739% | 2,189 |
| Efficiency ratio | 72.5762% | 3,686 |
| Assets per employee ($millions) | 2.6195% | 6,823 |
| Cash dividends to net income (ytd only)* | 74.2857% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6296% | 3,466 |
| Loan loss allowance to noncurrent loans | 154.4681% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 5,424 |
| Noncurrent loans to loans | 1.0549% | 4,964 |
| Net loans and leases to total assets | 64.3497% | 3,794 |
| Net loans and leases to deposits | 72.2057% | 4,484 |
| Net loans and leases to core deposits | 79.4756% | 4,282 |
| Total domestic deposits to total assets | 89.1199% | 1,586 |
| Equity capital to assets | 10.3926% | 3,278 |
| Core capital (leverage) ratio | 10.1533% | 2,925 |
| Tier 1 risk-based capital ratio | 15.4271% | 3,031 |
| Total risk-based capital ratio | 16.6813% | 2,990 |
| Memoranda: | ||
| Average total assets | $33,653,800 | 7,093 |
| Average earning assets | $29,489,800 | 7,109 |
| Average equity | $3,606,000 | 7,111 |
| Average total loans | $22,195,600 | 6,812 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1758% | 645 |
| Cost of funding earning assets | 0.9596% | 6,134 |
| Net interest margin | 5.2163% | 282 |
| Noninterest income to average assets | 0.8464% | 2,014 |
| Noninterest expense to average assets | 3.6597% | 1,652 |
| Loan and lease loss provision to assets | 0.3576% | 3,752 |
| Net operating income to assets | 1.3868% | 1,135 |
| Return on assets (ROA) | 1.3868% | 1,217 |
| Pretax return on assets | 1.3868% | 1,923 |
| Return on Equity (ROE) | 12.8444% | 1,297 |
| Retained earnings to average equity (ytd only) | 7.9865% | 1,423 |
| Net charge-offs to loans | 0.2105% | 4,680 |
| Credit loss provision to net charge-offs | 257.1429% | 1,285 |
| Earnings coverage of net charge-offs (x) | 12.5417% | 1,672 |
| Efficiency ratio | 67.7206% | 4,525 |
| Assets per employee ($millions) | 2.6666% | 6,825 |
| Cash dividends to net income (ytd only)* | 37.8234% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7111% | 3,121 |
| Loan loss allowance to noncurrent loans | 149.6032% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.7269% | 5,657 |
| Noncurrent loans to loans | 1.1438% | 4,950 |
| Net loans and leases to total assets | 62.4675% | 4,431 |
| Net loans and leases to deposits | 70.2993% | 5,104 |
| Net loans and leases to core deposits | 77.9349% | 4,812 |
| Total domestic deposits to total assets | 88.8594% | 1,474 |
| Equity capital to assets | 10.6473% | 3,350 |
| Core capital (leverage) ratio | 10.7788% | 2,438 |
| Tier 1 risk-based capital ratio | 15.2953% | 3,104 |
| Total risk-based capital ratio | 16.5489% | 3,061 |
| Memoranda: | ||
| Average total assets | $33,554,000 | 7,182 |
| Average earning assets | $29,317,750 | 7,198 |
| Average equity | $3,622,750 | 7,193 |
| Average total loans | $22,175,500 | 6,904 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2809% | 532 |
| Cost of funding earning assets | 0.9600% | 6,337 |
| Net interest margin | 5.3209% | 239 |
| Noninterest income to average assets | 0.8800% | 1,759 |
| Noninterest expense to average assets | 3.7428% | 1,467 |
| Loan and lease loss provision to assets | 0.3616% | 3,540 |
| Net operating income to assets | 1.4525% | 983 |
| Return on assets (ROA) | 1.4525% | 1,053 |
| Pretax return on assets | 1.4525% | 1,688 |
| Return on Equity (ROE) | 13.3889% | 1,161 |
| Retained earnings to average equity (ytd only) | 13.3889% | 347 |
| Net charge-offs to loans | 0.2790% | 3,943 |
| Credit loss provision to net charge-offs | 193.5484% | 2,035 |
| Earnings coverage of net charge-offs (x) | 9.7097% | 1,983 |
| Efficiency ratio | 67.3536% | 4,702 |
| Assets per employee ($millions) | 2.8079% | 6,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 3,612 |
| Loan loss allowance to noncurrent loans | 118.1818% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.8814% | 5,359 |
| Noncurrent loans to loans | 1.3238% | 4,741 |
| Net loans and leases to total assets | 65.5438% | 3,933 |
| Net loans and leases to deposits | 74.0710% | 4,667 |
| Net loans and leases to core deposits | 82.5453% | 4,341 |
| Total domestic deposits to total assets | 88.4879% | 1,739 |
| Equity capital to assets | 10.9838% | 2,881 |
| Core capital (leverage) ratio | 10.9426% | 2,278 |
| Tier 1 risk-based capital ratio | 15.0719% | 3,123 |
| Total risk-based capital ratio | 16.3241% | 3,082 |
| Memoranda: | ||
| Average total assets | $33,183,330 | 7,252 |
| Average earning assets | $29,168,000 | 7,253 |
| Average equity | $3,600,000 | 7,237 |
| Average total loans | $22,223,330 | 6,954 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2671% | 559 |
| Cost of funding earning assets | 0.9642% | 6,528 |
| Net interest margin | 5.3029% | 243 |
| Noninterest income to average assets | 0.8261% | 1,903 |
| Noninterest expense to average assets | 3.7537% | 1,406 |
| Loan and lease loss provision to assets | 0.3644% | 3,185 |
| Net operating income to assets | 1.3849% | 1,108 |
| Return on assets (ROA) | 1.3849% | 1,184 |
| Pretax return on assets | 1.3849% | 1,820 |
| Return on Equity (ROE) | 12.8469% | 1,283 |
| Retained earnings to average equity (ytd only) | 12.8469% | 641 |
| Net charge-offs to loans | 0.2894% | 3,255 |
| Credit loss provision to net charge-offs | 187.5000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,905 |
| Efficiency ratio | 68.2119% | 4,683 |
| Assets per employee ($millions) | 2.7802% | 6,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 3,821 |
| Loan loss allowance to noncurrent loans | 86.3753% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.4358% | 4,353 |
| Noncurrent loans to loans | 1.7578% | 4,111 |
| Net loans and leases to total assets | 65.3258% | 4,032 |
| Net loans and leases to deposits | 73.5340% | 4,823 |
| Net loans and leases to core deposits | 80.3940% | 4,718 |
| Total domestic deposits to total assets | 88.8376% | 1,602 |
| Equity capital to assets | 10.8057% | 2,948 |
| Core capital (leverage) ratio | 10.5953% | 2,539 |
| Tier 1 risk-based capital ratio | 14.6951% | 3,260 |
| Total risk-based capital ratio | 15.9471% | 3,229 |
| Memoranda: | ||
| Average total assets | $32,927,500 | 7,349 |
| Average earning assets | $29,040,500 | 7,351 |
| Average equity | $3,549,500 | 7,328 |
| Average total loans | $22,117,000 | 7,041 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5055% | 665 |
| Cost of funding earning assets | 1.0807% | 7,030 |
| Net interest margin | 5.4248% | 202 |
| Noninterest income to average assets | 0.8133% | 2,342 |
| Noninterest expense to average assets | 4.1355% | 1,175 |
| Loan and lease loss provision to assets | 0.3768% | 4,526 |
| Net operating income to assets | 1.0331% | 1,731 |
| Return on assets (ROA) | 1.0331% | 1,773 |
| Pretax return on assets | 1.0457% | 2,434 |
| Return on Equity (ROE) | 9.3001% | 1,924 |
| Retained earnings to average equity (ytd only) | 2.4593% | 3,417 |
| Net charge-offs to loans | 0.2506% | 5,054 |
| Credit loss provision to net charge-offs | 226.4151% | 1,650 |
| Earnings coverage of net charge-offs (x) | 8.5472% | 1,924 |
| Efficiency ratio | 74.4068% | 3,807 |
| Assets per employee ($millions) | 2.7078% | 6,840 |
| Cash dividends to net income (ytd only)* | 73.5562% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 3,939 |
| Loan loss allowance to noncurrent loans | 81.1083% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.4988% | 4,134 |
| Noncurrent loans to loans | 1.7961% | 3,942 |
| Net loans and leases to total assets | 67.0360% | 3,920 |
| Net loans and leases to deposits | 75.2713% | 4,843 |
| Net loans and leases to core deposits | 103.8375% | 3,588 |
| Total domestic deposits to total assets | 89.0592% | 1,456 |
| Equity capital to assets | 10.7531% | 2,919 |
| Core capital (leverage) ratio | 10.3457% | 2,745 |
| Tier 1 risk-based capital ratio | 14.0289% | 3,485 |
| Total risk-based capital ratio | 15.2807% | 3,432 |
| Memoranda: | ||
| Average total assets | $31,846,200 | 7,411 |
| Average earning assets | $27,853,400 | 7,435 |
| Average equity | $3,537,600 | 7,434 |
| Average total loans | $21,150,800 | 7,128 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5267% | 710 |
| Cost of funding earning assets | 1.1071% | 7,164 |
| Net interest margin | 5.4195% | 205 |
| Noninterest income to average assets | 0.7953% | 2,454 |
| Noninterest expense to average assets | 3.9261% | 1,388 |
| Loan and lease loss provision to assets | 0.4208% | 3,805 |
| Net operating income to assets | 1.1488% | 1,588 |
| Return on assets (ROA) | 1.1488% | 1,660 |
| Pretax return on assets | 1.1656% | 2,368 |
| Return on Equity (ROE) | 10.2576% | 1,830 |
| Retained earnings to average equity (ytd only) | 6.9511% | 1,523 |
| Net charge-offs to loans | 0.3124% | 4,087 |
| Credit loss provision to net charge-offs | 204.0816% | 2,182 |
| Earnings coverage of net charge-offs (x) | 7.6940% | 2,366 |
| Efficiency ratio | 71.2214% | 4,385 |
| Assets per employee ($millions) | 2.7065% | 6,836 |
| Cash dividends to net income (ytd only)* | 32.2344% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 3,929 |
| Loan loss allowance to noncurrent loans | 87.9310% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 1.3486% | 4,394 |
| Noncurrent loans to loans | 1.5946% | 4,241 |
| Net loans and leases to total assets | 66.2541% | 4,370 |
| Net loans and leases to deposits | 74.7854% | 5,249 |
| Net loans and leases to core deposits | 99.3261% | 4,453 |
| Total domestic deposits to total assets | 88.5923% | 1,392 |
| Equity capital to assets | 11.1214% | 2,905 |
| Core capital (leverage) ratio | 11.1108% | 2,325 |
| Tier 1 risk-based capital ratio | 14.7854% | 3,141 |
| Total risk-based capital ratio | 16.0508% | 3,077 |
| Memoranda: | ||
| Average total assets | $31,684,500 | 7,474 |
| Average earning assets | $27,578,500 | 7,511 |
| Average equity | $3,548,500 | 7,493 |
| Average total loans | $20,912,500 | 7,206 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5182% | 788 |
| Cost of funding earning assets | 1.1464% | 7,256 |
| Net interest margin | 5.3718% | 219 |
| Noninterest income to average assets | 0.8275% | 2,283 |
| Noninterest expense to average assets | 3.8192% | 1,622 |
| Loan and lease loss provision to assets | 0.4456% | 3,311 |
| Net operating income to assets | 1.1903% | 1,503 |
| Return on assets (ROA) | 1.1903% | 1,590 |
| Pretax return on assets | 1.2158% | 2,254 |
| Return on Equity (ROE) | 10.6029% | 1,820 |
| Retained earnings to average equity (ytd only) | 10.6029% | 626 |
| Net charge-offs to loans | 0.4949% | 2,848 |
| Credit loss provision to net charge-offs | 137.2549% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.1176% | 2,911 |
| Efficiency ratio | 69.6864% | 4,847 |
| Assets per employee ($millions) | 2.6721% | 6,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 4,378 |
| Loan loss allowance to noncurrent loans | 132.3671% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.9262% | 5,120 |
| Noncurrent loans to loans | 0.9696% | 5,282 |
| Net loans and leases to total assets | 65.7290% | 4,625 |
| Net loans and leases to deposits | 74.2767% | 5,416 |
| Net loans and leases to core deposits | 98.5366% | 4,648 |
| Total domestic deposits to total assets | 88.4921% | 1,531 |
| Equity capital to assets | 11.2428% | 2,723 |
| Core capital (leverage) ratio | 11.2432% | 2,234 |
| Tier 1 risk-based capital ratio | 15.1998% | 2,936 |
| Total risk-based capital ratio | 16.1849% | 2,991 |
| Memoranda: | ||
| Average total assets | $31,420,000 | 7,550 |
| Average earning assets | $27,216,000 | 7,589 |
| Average equity | $3,527,330 | 7,566 |
| Average total loans | $20,608,670 | 7,291 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4784% | 906 |
| Cost of funding earning assets | 1.1953% | 7,308 |
| Net interest margin | 5.2831% | 238 |
| Noninterest income to average assets | 0.8618% | 2,024 |
| Noninterest expense to average assets | 3.8074% | 1,455 |
| Loan and lease loss provision to assets | 0.3859% | 3,013 |
| Net operating income to assets | 1.2220% | 1,592 |
| Return on assets (ROA) | 1.2220% | 1,697 |
| Pretax return on assets | 1.2734% | 2,362 |
| Return on Equity (ROE) | 10.8929% | 2,003 |
| Retained earnings to average equity (ytd only) | 10.8929% | 996 |
| Net charge-offs to loans | 0.0593% | 4,639 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 802 |
| Efficiency ratio | 69.6471% | 4,651 |
| Assets per employee ($millions) | 2.6229% | 7,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 3,700 |
| Loan loss allowance to noncurrent loans | 90.0958% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.2804% | 4,117 |
| Noncurrent loans to loans | 1.5174% | 4,009 |
| Net loans and leases to total assets | 64.6418% | 4,874 |
| Net loans and leases to deposits | 73.0163% | 5,611 |
| Net loans and leases to core deposits | 97.3819% | 4,809 |
| Total domestic deposits to total assets | 88.5306% | 1,469 |
| Equity capital to assets | 11.2724% | 2,748 |
| Core capital (leverage) ratio | 10.9889% | 2,505 |
| Tier 1 risk-based capital ratio | 15.2041% | 2,967 |
| Total risk-based capital ratio | 16.4552% | 2,928 |
| Memoranda: | ||
| Average total assets | $31,097,500 | 7,605 |
| Average earning assets | $27,105,500 | 7,638 |
| Average equity | $3,488,500 | 7,627 |
| Average total loans | $20,238,000 | 7,348 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6594% | 2,203 |
| Cost of funding earning assets | 2.1737% | 5,712 |
| Net interest margin | 4.4857% | 1,460 |
| Noninterest income to average assets | 0.8506% | 2,223 |
| Noninterest expense to average assets | 3.8156% | 1,730 |
| Loan and lease loss provision to assets | 0.2928% | 4,043 |
| Net operating income to assets | 0.8661% | 3,146 |
| Return on assets (ROA) | 0.8661% | 2,997 |
| Pretax return on assets | 0.7428% | 4,272 |
| Return on Equity (ROE) | 8.2323% | 2,961 |
| Retained earnings to average equity (ytd only) | 1.1426% | 4,547 |
| Net charge-offs to loans | 0.4815% | 2,431 |
| Credit loss provision to net charge-offs | 105.5556% | 5,077 |
| Earnings coverage of net charge-offs (x) | 3.7333% | 4,240 |
| Efficiency ratio | 78.6531% | 2,813 |
| Assets per employee ($millions) | 2.5600% | 7,087 |
| Cash dividends to net income (ytd only)* | 86.1210% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 3,896 |
| Loan loss allowance to noncurrent loans | 85.0000% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.2695% | 3,686 |
| Noncurrent loans to loans | 1.5115% | 3,522 |
| Net loans and leases to total assets | 63.7793% | 5,318 |
| Net loans and leases to deposits | 71.9828% | 6,064 |
| Net loans and leases to core deposits | 95.7250% | 5,278 |
| Total domestic deposits to total assets | 88.6035% | 1,200 |
| Equity capital to assets | 11.1621% | 2,908 |
| Core capital (leverage) ratio | 10.4099% | 3,059 |
| Tier 1 risk-based capital ratio | 15.1730% | 2,968 |
| Total risk-based capital ratio | 16.3342% | 2,929 |
| Memoranda: | ||
| Average total assets | $32,446,000 | 7,539 |
| Average earning assets | $28,936,600 | 7,570 |
| Average equity | $3,413,400 | 7,715 |
| Average total loans | $18,692,800 | 7,418 |